When asking for a break down of the firms actual services provided, she emailed saying she had to speak with an attorney before getting back to me!!!!
Here is the body of that email.
I am sorry it took so long to get back to you, but your request had to be reviewed by an attorney. Your sale date of 12-7-11 was postponed. Do you want us to request updated figures for you? We are in the process of rescheduling a new sale date and responding to your debt dispute. I have attached a copy of the SOT and the Fair Debt Letter.
●The Fee is the Attorney fees for the foreclosure action.
●A title search is required for several reasons. It is needed in order to verify who is the current owner of the property, to discover any lien holders that are required by statute to receive notice of the foreclosure, and to confirm if title to the property is clear. Our office does not provide a copy of the title search. You can always contact your mortgage company and ask if they are willing to provide you a copy.
●A title update is done to check if anything has changed in the land records prior to the sale to ensure compliance with state and federal guidelines relating to the foreclosure sale. Our office does not provide a copy of the title search. You can always contact your mortgage company and ask if they are willing to provide you a copy.
●Overnight means overnight mail
●Executed documents refers to the Substitution of Trustee and Assignment of Mortgage which are required in order to complete the foreclosure
●The Fair Debt letter was mailed on 11-03-11. The remaining costs for the mailing were estimation for the notice of sale.
●Your sale date was postponed prior to the ads running in the newspaper so I cannot provide you a copy of the advertisement. The advertisement cost was estimation.
A title update isn't performed until after the sale. When asked for copy of overnight mail receipt, none was provided. This property was listed on the firm's website with a date of sale, doesn't this count as advertising!!!!!!