“Welcome to my personal hell, I need to relocate to Silicon Valley or San Diego (to be determined) for a business opportunity and my personal mortgage mess makes my house more or less unsalable. The problem isn’t terribly complicated but resolving the problem is more or less impossible when the only “customer service” I can get in contact with is a bunch of angry ghetto skanks. (There is something worse than an Indian call center - it is called a Baltimore call center.)
Basically, I have two mortgage servicers trying to collect from me, I know which one is legimate, but neither I or they can persuade Laquisha to escalate us to somebody with the authority to fix the problem.”
Hire an attorney and bring a quiet title action against one or both lenders based on the locally recorded owner of record of the note and the mortgage. That’ll bring ‘em out of the woodwork and if not, you could end up with a clean title without even having to pay the mortgage back. Try to find a lawyer that specializes in this.
We agreed to stand down for sixty days to give the genuine agent (who has been nothing but helpful) an opportunity to settle it for themselves. But yes, that is the next step. A title action could take four to six months - so if they can sort it out amongst themselves that is fine with me given the retainers lawyers were demanding.