Legal Question in Real Estate Law in California

You need to contact an attorney who specializes in consumer law, and specifically who represents clients in Fair Debt Collection Practices Act litigation. While the lender is entitled to call you, they cannot harass you. By paying late, yes, you are inviting collection calls, but there is a fine line that if a lender crosses, he may become liable to you. Contact the County Bar Association for your County to obtain a list of referrals to attorneys who practice in this area. As for the modification, if it was finalized prior to the loan having been sold (meaning not just that you completed the trial payment plan, but that a formal modification agreement was signed by everyone, and recorded), then the new investor must take the loan subject to that modification and accept its terms. You need to be sure, however, that it was in fact completed. It is the except to the rule that modifications are actually finalized, so you need to verify that this was all completed.

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