Summary
In Louisiana, the Fair Debt Collection Practices Act protects you from harassment by mortgage companies. This law prohibits unfair collection practices and applies to third-party debt collectors. You might consider sending a cease and desist letter to the mortgage company. Continuing to pay the mortgage can help preserve the mobile homes equity, but youre not obligated to pay your fathers debt. For specific advice, consult a local attorney. The Louisiana State Bar Associations Lawyer Referral Service can help you find an attorney specializing in your case.Full Conversation
My father passed in *. He had a mobile home he had been paying a mortgage on. I felt like the right thing to do was to keep paying it even though I have no obligations to the mortgage. It's paid every month on or by the 22nd plus late fees if applicable. It's isn't behind. But the mortgage company has harassed me EVERY month about it saying they aren't willing to extend to the 22nd although they take their money. Is there anything that can be done to stop the harassment?
Hello Shannon, I'm sorry to hear about this situation. To better advise you, could you please tell me which country or state you're located in? Laws regarding mortgage payments and creditor harassment can vary depending on the location.
Louisiana
Hello Shannon, in Louisiana, you are protected by the Fair Debt Collection Practices Act:
- It prohibits harassment and unfair collection practices.
- It applies to third-party debt collectors, including mortgage companies.
- You might consider sending a cease and desist letter to the mortgage company.
Please consult with a local attorney for specific advice.
If i am to send the letter can i or should I continue paying the mortgage since the mobile home os on my property if i choose?
Hello Shannon, you could continue payments to preserve the mobile home's equity and avoid foreclosure. However, you're not obligated to pay your father's debt. If the mortgage company harasses you, they could be violating the Fair Debt Collection Practices Act. Please consult a local attorney.
Ok do you have any suggestions of an attorney in or around Minden Louisiana?
I'm sorry, but as a legal information provider, I can't recommend specific attorneys. However, you can use the Louisiana State Bar Association's Lawyer Referral Service. They can help you find an attorney who specializes in your type of case.
Ok thank you very much
You're welcome, Shannon! If you have any more questions in the future, don't hesitate to reach out. Best of luck with your situation.
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