A WORD OF ADVICE TO ALL:
GRIMM COLLECTION'S WILL USE ANY TACTIC-LEGAL OR NOT TO COLLECT A DEBT (VALID OR NOT)
2 1/2 YEARS AGO, MY HUSBAND AND I DECIDED TO EXPLORE A REFINANCE ON OUR HOME WITH A LOCAL MORTGAGE COMPANY. EVERYTHING ABOUT THE WAY THE MORTGAGE COMPANY DID BUSINESS SEEMED UNUSUAL (A LOT OF RED FLAGS) THEY WANTED TO RUN CREDIT CHECKS BEFORE HAVING US SIGN ANYTHING. "JUST TO SEE WHAT WE CAN DO FOR YOU BEFORE WE MOVE FORWARD" THE MORTGAGE AGENT WORKED OUT OF HER HOME IN THE OLYMPIA AREA. SHE RAN THE CREDIT, (ALTHOUGH WE WERE UNCOMFORTABLE WITH THIS IDEA) AND CALLED MY HUSBAND THE NEXT DAY TO LET HIM KNOW THAT WE WERE QUALIFIED FOR A 6.25 FIXED AT THAT TIME. (THIS IS DURING THE TIME BEFORE THE CREDIT AND MORTGAGE CRISIS). SHE ORDERED AN APPRAISAL FOR OUR HOME (WHICH 6 MONTHS BEFORE HAD APPRAISED IN THE HIGH 240,000 BRACKET AND WE HAD SINCE ADDED A HUGE DECK AND REMODELED EVERY ROOM, TRIM, WINDOWS "THE WORKS" IN THE ENTIRE HOME. THE APPRAISAL CAME BACK 40,000 LOWER THAN IT HAD 6 MONTHS PREVIOUSLY AND THE PAPERWORK FOR THE LOAN CAME BACK AT 13% NOT 6.25%. WE OBVIOUSLY NEW SOMETHING WAS NOT RIGHT AND WE BACKED OUT. THE MORTGAGE COMPANY PROMPTLY SENDS US A BILL FOR 475.00 FOR THE APPRAISAL. MY HUSBAND CONTACTED THE OWNER OF THE MORTGAGE COMPANY TO FIGHT THE BILL, SHE PROMPTLY STATED THAT SHE DID NOT REALIZE THE CIRCUMSTANCES AND NOT TO "WORRY ABOUT THE BILL". 2 YEARS GO BY, MY HUSBAND RECEIVES A CALL FROM GRIM COLLECTIONS, REGARDING THIS SAME BILL THAT HAS BEEN TURNED OVER TO THEM FOR COLLECTION. MY HUSBAND IMMEDIATELY LEFT WORK AND DROVE THERE TO DISPUTE IT.
I MAILED THEM A LETTER STATING THAT WE WERE DISPUTING THE BILL AND WHY. THEY PROMPTLY TOOK US TO COURT. ON THE ORIGINAL PAPERWORK THAT CAME FROM THE COURT, THE PRESIDING JUDGE AND THE ATTORNEY FOR THE COLLECTION AGENCY HAVE THE SAME LAST NAME? (COINCIDENCE? DOUBT IT). NOTHING WE SAY OR DO IN COURT WORKS, ITS OVER.
WE MAKE ARRANGEMENTS. GRIMM GARNISHES OUR BANK ACCOUNT RIGHT BEFORE CHRISTMAS CAUSING THE ACCOUNT TO GO OVER 2000.00 UPSIDE DOWN
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