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Talk to a local city official about it.

If you're unfortunate enough to run into someone like me, I say OK, fill out this 1003, show me your bank statements and pay stubs, give me an authorization to run your credit, give me the info on the property and a check for the appraisal.

Michael-How did you come across that book & who is the author?

I understand the overall concept, but can some of you that have more experience give me some advice / guidance on what to do during this process.I have my authorization from the owners.I faxed it over.The property has been sitting vacant, filled with mold and needs gutted.

Lastly there is a document known as a Specific Power of Attorney which may authorize the servicing agent to proceed in any event of default, investigations, title search, to insure the property, pay taxes and litigate on behalf of the note holder.

And that is not shown only by their increased number but also by the average period that is nowadays required to close the process and also by the increased level of authority for servicers to participate in short sales.

You need to have the seller's authorization even speak to the lender about this account.

(Author Unknown)

In general, my guess is that the onus is on you to ensure that the bill is paid, regardless of whether you receive notification; but if you are officially told that you're paid in full, it seems a little shady that you're later told that wasn't the case.Of course, if it went in front of a judge, you'd like have to prove that the information they gave you was erroneous and that it led to the fees you later incurred.