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Nationstar Mortgage LLC

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Fast Fact: Pursuant to the Fair Credit Reporting Act, it is unlawful for a creditor to report information if they have actual knowledge that it is erroneous.

You should dispute a debt in writing if you feel as if the dollar amount being requested is inaccurate, if you feel the debt is not owed at all, or if you feel the debt is fraudulent.

If your alleged Nationstar Mortgage LLC account is with a collection agency, you can send a letter to that collection agency within thirty days of first being notified of the collection. You should send such a letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation or proof of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt.

    The Fair Credit Reporting Act (“FCRA”) regulates the credit bureaus’ responsibilities as to your credit report. There are many things credit bureaus are required to do as it pertains to their credit reporting. Credit Bureaus must:

  • report accurately;
  • conduct a reasonable investigation of any dispute you make with them as to inaccurate credit reporting;
  • clearly mark any trade line disputed by you as disputed by the consumer.

    Your best option is to consult with a consumer protection attorney if you believe your rights are being violated.

  • 2 Comments

    1. Meghan F. on April 25, 2015 at 9:03 pm

      I had a mortgage and then refinanced through Nationstar Mortgage LLC for a lower rate, no closing costs loan. Apparently rhere WERE closing costs which were not disclosed. Nationstar Mortgage LLC depleted my escrow account to pay for the costs and now my payments are right back up to where they were before I did the re-fi. Well to top it all off, today I get a letter from a collection agency saying I owe Nationstar Mortgage LLC $300. Nationstar Mortgage LLC never sent me a bill nor even told me about any fee but now I’m in collections. My credit is pristine until I dealt with Nationstar Mortgage LLC.

    2. Marianne B. on June 10, 2015 at 10:49 pm

      For the third time within a year our mortgage statement with Nationstar Mortgage LLC has shown a late fee. Two of those times we have mailed our payment to Nationstar Mortgage LLC over 2 weeks early. We’ve gone to the bank to get a copy of the checks to Nationstar Mortgage LLC. Worst part is, Nationstar Mortgage LLC will not change the negative credit reporting due to these supposedly late payments.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.