Yes- they are calling my cell phone. My issue is that I am not sure they are acting as an agent or that they have an assignment of the note. If it is not going to "settle" things with BOA, I don't want to pay them anything. Again, I have received ZERO written communication from them- no valadtion of debt, no initial letter of collection etc. They refuse to send me anything.
After talking with the bank- we both came to the conclusion that since it was showing as "paid off" (charged off) that FRM is NOT acting as an AGENT for BOA. They are probably a JDB and since they have provided NOTHING in writing and did not pay the bank the 10K that I paid them for the settlement- I should not deal with them further! I FINALLY got in touch with someone that was able to give me correct info! (not helping this situation is the fact that during the loan mod process, they changed systems and changed loan numbers so the number I had didn't match anything!)
Thanks for the help! I will be sending them a cease communication letter - certified- tomorrow. Please pass along the warnings to anyone else dealing with them! Focus Receiveables Mgmt is not an Agent and they scam you. Also- if you have set up a payment arrangement thru ACH - and think the colleciton is fradulant, you can dispute it with your bank and they will investigate and you might get your money back. I was sure glad to get mine back!
All of this