All Forum Posts by: Ben Taub

 but how do you find it on public records ?

if you see a old mortgage that has been recorded how do you know that they end up paying it ?

i end up finding another attorney that told me that this is exactly where a Quit title would came in ,to eithr get the lien relesed or to get a payoff . however we are already running out of time , instead i just hired him to write a letter threating to sue Fay for being unresponsive etc.

what Minna mentioned, that i must find out who is the real Note Holder, this is exactly the problem we are facing, that the only Lien we See is that it was with Fay back in 2018, but since than it was Purged off............but no idea who to ask a payoff from..........

Thanks for all of you for your help!

i went into contract on a short sale property in Essex County NJ.

everything looked fine until we found out that there is a second note on the property originated by BOA 

We have reached out to Bank of America to inquire about this lien, and they informed us that servicing of the mortgage was transferred to Fay Servicing back in 2015. We have also contacted Fay Servicing who told us that the loan was purged off their system back in 2018 and we needed to speak with their lien release dept about getting the lien released from title. Unfortunately, I have not been able to reach anyone in the lien release dept at Fay and have not gotten an answer from them if they are going to be releasing the lien from title or if they are going to require a payoff in order to do so.
I do not have any loan number or additional account information from Fay and when we call their customer service dept, they tell us they have no record of the loan in their system. But the consumer advocacy team has confirmed that they located the loan and It was purged in 2018 which is why customer service cannot see It. The last thing they told us is they would submit a research request to the lien release dept to look into this matter… but it's been over a month since they said that, and we have not heard anything and they are no longer responding to my emails.

i was told to do a Quiet Title however my attorney told me that a  QT is only in the situation where we are sure that it was paid off and have proof for that , however in this case the seller doesn't remember that was paid off, but most likely it was purged since they just stopped to collecting it .so he can't see how we can file for a QT.

can Anyone advise on this? is there really nothing you can do if a lender is unresponsive???!!!