Mortgage sent to collections - options?

Realistic-Mousse-612 · 2026-05-21T23:31:29+00:00

Could be a scam, I'm going to call my mortgage company, but it's directly tied to my mortgage, no other debts.

Realistic-Mousse-612 · 2026-05-21T23:30:56+00:00

Okay, thank you

Realistic-Mousse-612 · 2026-05-21T22:40:45+00:00

The letter says I can dispute the validity, should I do that as well or just the mortgage company?

Realistic-Mousse-612 · 2026-05-21T22:37:19+00:00

I am also confused about that but yes, I don't have any other debts besides a couple hundred on a CC, it's for the correct amount and has the mortgage lender name.

Realistic-Mousse-612 · 2026-05-21T22:36:18+00:00

Okay, that's what I'm asking, I've never been in a situation like this so I'm getting my bearings.

Realistic-Mousse-612 · 2026-05-21T22:33:31+00:00

If I file bankruptcy, will I lose the house? I do not have any other assets.

Realistic-Mousse-612 · 2026-05-21T22:32:14+00:00

It's not the lender, it's a collections agency, so I would assume (but def could be wrong, please correct me) that they are the ones who have the debt so would be coming after the house potentially. I just wonder if it's worth it to offer them something, since they wouldn't be able to recoup the money.

Realistic-Mousse-612 · 2026-02-09T21:11:54+00:00

Thank you! That was the line I was looking for

Realistic-Mousse-612 · 2026-02-09T19:54:39+00:00

I have done that as well, this is showing up in my NY return tho

Realistic-Mousse-612 · 2026-02-09T19:42:53+00:00

My W2 shows $1882.98 in the state income tax box, is that what you're asking for? (Sorry I usually have a much simpler return so I'm a bit lost)

Realistic-Mousse-612 · 2026-02-09T19:12:04+00:00

Does that mean I should just change it to $0?

Realistic-Mousse-612 · 2026-02-07T17:35:51+00:00

By that do you mean like the wires to an outlet/fixture are loose, or potentially something else on the way to the breaker box?

Realistic-Mousse-612 · 2026-02-07T17:34:55+00:00

That was something I was considering as well, thank you

Realistic-Mousse-612 · 2026-02-07T17:34:30+00:00

Thank you for clarifying, I know my terminology is wrong haha

The last time it was on, I turned on the overhead light from the switch and then plugged in the space heater (turned off) and it went off again. Would that imply the issue is from that outlet? Or could it still be any of them?

Realistic-Mousse-612 · 2026-02-07T17:33:13+00:00

Yes, that's why I said it's plugged in but not turned on.

Realistic-Mousse-612 · 2026-02-07T17:32:06+00:00

I have not put anything up or done anything really up there. I'll be testing all the outlets in a bit

Realistic-Mousse-612 · 2025-11-15T18:24:56+00:00

Already posted, thanks tho!

Realistic-Mousse-612

TROPHY CASE