From my understanding this is the one and only piece of property she is renting and she is not licensed. She moved to Ohio and as some may know Michigan is a terrible state for when it comes to selling and buying homes. The unemployement rate is through the roof and no one can really afford to buy houses. So instead of trying to sell she just rented the property out.

And I agree with what you said about the banks. I have a student loan and have moved from my parents to an apartment and now to this condo and they always seem to find me to send me payment reminders and so forth and that is just a $1,500 student loan. I can only imagine how hardcore and serious they would get over an $80,000 condo.

Okay here is a small update. I researched in to it and the guy who came to my home was from a company called J. M. Adjustment Services, LLC. According to their website they are a third party liquidation company hired by other companies to personally go to peoples houses to try and collect past debt. Pretty much they are a repo company and in this case he was here to try and settle the debt before the condo is repossessed. So now I am thinking she was well aware of this whole thing and in fact recieved the letter monthes ago and this is their last chance effort to try and settle her debt before taking the condo.

I am going to call not only the number left on the letter, but this company as well. I need a solid answer and I need it now.

good for you!! let us know what you find out!!!

also, try to call around and find out what your "rights" are according to your state law.

Well I called the number and the lady was unable to give me any information due to privacy and legal reasons which I understand. She did confirm the name of my landlord all on her own without me even saying a word. And technically according to the lady by calling her I was breaking the law, but she would turn the other cheek and pretend I never called.

I dunno what to do now. It looks as if I am back at square one. We are going to send the landlord a very lengthy email after dinner tonight demanding we get something in writing that says we will not be evicited due to her stupidity. And even if this is all taken care of I still want out of this place ASAP because all trust I had with her is lost. It's just I don't know what will happen if we did break the lease and moved early. We only moved in this past August. Ugggh!

I was kinda worried about you calling the number from the lady. It's your business in the sense you need to know if you need to move asap or not, otherwise it's really not your place to be callling around on this ladies stuff and opening her mail even if she said to considering the nature of the matter. This is just my opinion. I'd be afraid that someone would try and hold me accountable because I did all that stuff.

Again my opinion is leave the landlords problem to the landlord and get the heck out of dodge and wipe your hands of her. Mail that letter you have to her certified to you can prove you gave it to her.

You might call the Attorney Generals Office to find out your rights and get some legal type assistance.

Again, good luck. Fingers crossed that everything works out for you.

Well as stated we sent her a pretty long email last night with our concerns asking for a straight up answer as to why the guy came here and why he said what he said to me. Her reply, besides being snippy and rude basically said to chill out and relax. She doesn't owe anyone money and the guy simply came to get her signature to verify her new address in Ohio. I am sorry, but my gut feeling tells me not to believe her. Why would someone come to your home just for your Herbie Hancock? I mean haven't you ever heard of a fax machine? And even if this is the case why would he say what he said to me? Something seems fishy to me.

i know everyone hates to hear this because of the money...but i would call an attorney. you need to protect yourself...and your stuff!!!!!!! what if they came and changed the locks and your babies were in there??? that would be horrible!!!

This is the time I really wished I had a punching bag in my basement just to let loose on and get rid of all of my anger and frustration. Believing what my landlord told me and that he was just here to varify an address I called that J. M. Adjustment Services, LLC company and voiced a complaint on the guy who came to my house and told me what he told me. If he was just here for that then why would he tell me what he told me? That was what I want answered. The owner was anything, but nice. He demanded that I apologize to him and admit that I was lying for saying what I said about his employee Lou who has been there for 11 years. The thing is thought I was on the phone with Rachael while he was here and she overheard every single thing that was being said and will confirm that I was in fact being truthful.

He continued to not listen to a word I was saying about what had happened or even attempt to believe a single thing that I was able to get in so I told him he would heard from my lawyer and hung up. His attitude was extremely rude and uncalled for and his “faithful employee” Lou should have never disclosed that information with me and what makes it worse is he was lying about it all.

After I hung up I reported the company to the BBB and to the local Fox 2 News for their Hall of Shame. Before I go and contact a local lawyer I am going to post what happened on a website/forum I found that allows you to get free legal advice from real lawyers. See what they say before I go any further.

Here is an article by a well known California eviction lawyer regarding renters rights when the landlord is foreclosed on.. Basically it appears you will have 111 days from the time that the mortgage company notifies YOU that a foreclosure is in progress. Now if she is not renting the condo LEGALLY they may be different. I certainly would check with an attorney right away

Are you renting and worried about what might happen if the landlord gets foreclosed on? You should be concerned, because once the bank forecloses, they can kick you out.
It's surprising to hear that in this tenant-friendly state, but that's what Jim Burmeister, eviction attorney here in Carlsbad, has confirmed.
How will you know that your landlord is in trouble?
Once the landlord has missed a few payments, the bank will post a notice of default on your front door. That's when the process begins, and you have at least 111 days before the bank can take the house. So you have some breathing room, but a couple of things will occur to you:
1. The landlord is taking my rent but not making his payment - RAT!
2. Could I end up with an eviction on MY credit report?
If the bank can kick you out, they'd do that formally with an eviction notice. If you realize that a foreclosure is underway, you might as well surrender to the fact that you're going to be moving. I wouldn't risk an eviction notice, I'd be making plans to get out around the 111th day.
Other ways to see it coming:
1. Ask about repairs - if the landlord bites your head off, it probably means tensions are running hot - for a reason.
2. The landlord is bugging you to pay the rent quicker.
3. Landscaping isn't being kept up.
4. If you know where he lives - check his landscaping too.
5. If appraisers have been coming by, he's trying to refinance.
6. Check the county records for loan amounts.
Generally-speaking, if there's a lot of fast-talking, or no talking going on, then that's a sign of stress. If you flat out ask him about foreclosure, the next 10 seconds will probably give you all the answers you need.