The Chicago boy in me is wondering who you screwed with. This kind of thing has distant retribution written all over it. I’m not doubting anything about your story, nor even that it’s possible to get screwed without doing anything, but this seems like almost textbook revenge.
Are you telling lies?
I had another meeting with the congressman’s office today. The people that gave his office the deadlline of 5-10-2010 for Treasury to respond to the congressional inquiry went on vacation that day, so they are pushing to have the debt frozen.
Apparently Treasury can’t figure out who the creditor is that has attached this debt to my social security number on their FMS system, and that is what is running all of my funds. Treasury’s offset department states that they can take up to 100% of the net pay from my account, sieze bank accounts, etc since the debt is reporting over ten years old. Treasury’s FMS automated letter generation sent me a notice that the funds were being garnished to pay creditor “33” with account number “2541” which Treasury can’t explain. Treasury reports that the creditors have six digits in their ID numbers, so they can’t substanciate the debt. I am pushing for it to be completely discharged and the FMS offset department refund all the wages and tax refunds that I am missing but they haven’t responded yet. They keep sending the congressional inquiry.
I am in the middle of having my credit pulled from the three agencies to give the congressional aides so they can see if they can garnish more information than the FMS letter had on it. It was missing the total balance due and some other information that Treasury stated should have been on it.
The current strategy is to call Treasury and get them to provide in writing that they don’t know why this debt is being charged to me. Once that happens, the congressman’s office will write me a letter from Ralph Hall stating that I am in a situation of mistaken identity and my funds are being improperly siezed from me to give to the mortgage company Wells Fargo. Once that happens I am hoping I can get them to stop with the letter. Wells Fargo states that they are going to send a sheriff to my house on the 3rd of June to serve me with notice to vacate.
This confirms the “world’s shittiest mortgage” question, based on what my wife (a real estate agent) has told me about dealing with them.
Have you looked into going to court to get an injunction to stop the eviction? I don’t know how you’d do that, but have you?
That is kind of what the congressman’s office is trying to do with the letter. He won’t actually write it until Treasury confirms they can’t substanciate the debt, and they are stalling their feet on it. They originally had until the 8th to respond (why they set their date on a Saturday is beyond me.) Then they pushed it back to the 10th, and here we are still with nothing.
I am going to try to call Wells Fargo again today to see if I can get them to stop it at least temporairly by sending them copies of the congressional inquiries into the matter and all the paperwork involved but I don’t know what they want to say. The appraisal guy they sent out was a galaxy class dick, but I am sure he was just a third party Joe Blow thinking I was some sort of deadbeat.
Knock it off. Dispute or question what the OP is saying without calling him a liar or a troll.
Wait, I thought… you don’t know where your money is going because you don’t know who the creditor is that’s taking it and you’re about to be evicted because you don’t have money left to pay the mortgage company (I assume Wells Fargo is *your *mortgage company?) How are your funds being seized and given to Wells Fargo?
How much do you owe Wells Fargo in back mortgage?
Start selling stuff. Craigslist, yard sales, whatever. If its not nailed down, sell it. Start delivering pizzas, or finding any other kind of work to scratch up some money. If you can give WF some of the back-mortgage, you may be able to stave off eviction.
WF has stated they’re sending a sherriff to evict you, but have you received a summons? You can only be evicted through a court order. Maybe 6/3 is when the sherriff will be serving you w/ eviction papers - which only begins the legal process of eviction.
It was about 30 percent, which is pretty standard in my area. Unfortunately the county in which I live is the most affluent in Texas apparently, so a lot of it is tax that goes to escrow accounts. I am working side jobs as much as possible to try to give them something, but I am waiting on hearing back from the legal advice phone number we have here at work if paying partially is going to stop the proceedings or not. I have heard of other people putting every extra dime they had into keeping their house, but since the payments weren’t complete they pretty much just donated the partial payments they made to the lender that was foreclosing on their house. I can possibly come up with about 20 bucks a day, but I need about ten at the minimum for gasoline to keep me going back and forth to work.
That will soon change if I get laid off.
You clearly know the name of someone at Treasury. Call reception and ask for a mailing address. Certified mail. Done.
I hate to say this, but call your local Tea Party. Having a few thousand protesters on your yard will get you the media attention.
And this sort of thing is the Government run amok that they like to protest.
That might be what the deal is. I have never missed a payment on anything in my life (and I have paid off two cars and a motorcycle, numerous credit cards) so all of this is completely new to me. Although they aren’t legally allowed to, I do know that creditors frequently lie to people they are trying to collect from. I am just doing my best to make sure that any funds that I send them that are for less than what Wells Fargo wants are going to keep the house from being foreclosed on or not. I have heard in the past of people making partial payments and still getting the house foreclosed on.
Currently I have 3.21 in my savings account, and -47 dollars in my checking account, so they won’t be getting just a whole lot. I have a van that I rebuilt for sale, and pretty much everything. I already sold my computer. The only thing that I have that isn’t for sale is my vinyl record collection. I have all the Beatles, all Led Zepplin, etc… but most of those I enherited from my dead sister so I don’t want to part with that. But I am taking your advice, the carpet is even for sale.
The congressman’s office tried this already. If they aren’t expecting the letter then they won’t accept the letter. But I am going to see if I can get one of the aides to mail it to a director or someone. That might be a good idea. Send it to a particular person, even if it isn’t the right person. They will sign for it and then have to deal with it once they open it. Its not a bad idea.
I do know that we don’t accept certified mail where I work…
I kind of pissed them off when they had a convention here at the college I work at… they got out of hand and I had to shut them down. There is a thread about it on here somewhere but I can’t find it.
Nevermind, I think I was just parsing what you said incorrectly.
I think you mean “Once that happens, the congressman’s office will write me a letter [from Ralph Hall stating that I am in a situation of mistaken identity and my funds are being improperly siezed from me] to give to the mortgage company Wells Fargo.”
My BS Detector just red-lined.
Yet you are magically able to post here. How is that so?
You’ve probably done this already, but the feds have a special form for people who are about to be garnished for student loan debt that isn’t theirs and an identity theft affidavit. It freezes the action while it’s being investigated. You have to prove you weren’t a student and it wasn’t your loan, which is pretty easy. Your high school records and birth certificate will prove you were under 18 and therefore noit able to even take out the loan in the first place. http://ed.gov/offices/OSFAP/DCS/disputes.html
I think you are howling at the moon when it comes to trying to find someone to sue the treasury dept. rather than focusing on getting this whole process stopped. There are probably motions you could file pro se to stop this while you get a hearing date.
I had an IRS problem and the office of the taxpayer advocate literally stopped all action in minutes and got a fubar situation resolved within 30 days.
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