Cuales son tus derechos cuando la deuda es vendida o tranferida

Esta información fue obtenida del sitio en internet de la Federal Trade Commission (FTC) y esta relacionada a los derechos del propietario en relación a la venta o transferencia del servidor de la deuda hipotecaria y de la Nota o préstamo hipotecario:

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Transfer of Loan Ownership

The ownership and servicing rights of your loan may be handled by one company or two. If ownership of your loan is transferred, the new owner must give you a notice that includes:

• the name, address and telephone number of the new owner of the loan
• the date the new owner takes possession of the loan
• the person who is authorized to receive legal notices and can resolve issues about loan payments
• where the transfer of ownership is recorded.

The new owner must give you this notice within 30 days of taking possession of the loan. It is in addition to any notices you may get about the transfer of the servicing rights for your loan.

Inquiries and Disputes

Under federal law, your mortgage servicer must respond promptly to written inquiries, known as “qualified written requests” (see Sample Complaint Letter). If you believe you’ve been charged a penalty, late fee or some other fee by mistake, or if you have other problems with the servicing of your loan, write to your servicer. Include your account number and explain why you believe your account is incorrect. Send your correspondence to the address the servicer specifies for qualified written requests.

Source:

http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea10.shtm