If your name is not on a home loan but you live in the house, can the mortgage company keep calling you even after you have asked them to stop?
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If your name is not on a home loan but you live in the house, can the mortgage company keep calling you even after you have asked them to stop?
My in-laws have a loan on the house. We live in the house with them. The mortgage company keeps calling my cell phone (which is in my wife’s name) even after I have told them that I have nothing to do with the loan, I have no control on when they get paid, and to please stop calling me. My in-laws are not even a month behind and they are getting calls almost everyday.
Asked on January 12, 2012 under Bankruptcy Law, Florida
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
There is nothing preventing the lender on the home that you are living in from calling on your cell phone with respect to in-laws who seemingly have not made payments for the home that you are living in even though you are not the borrower.
I would simply advise the lending company's representative to not call you anymore the next time you receive a telephone call concerning past due monies owed. One way to get the calls to stop is simply to speak with the caller's supervisor and request the stoppage.
Possibly the continued calls could be in violation of your state's laws prohibiting unfair debt collection practices. For a better answer on this issue, you might wish to consult with an attorney that practices in the area of consumer law.
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