I just got a call from Oxford in Maine telling me that they are trying to collect a debt from my mortgage company/bank...JP Morgan Chase, that they said I owed a deficiency to after my short sale a year ago. He said that sometimes the bank sends out the deficiency notice prior to the sale or a court decision, as I said as far as I knew I owed them nothing per the short sale agreement and Release of Mortgage terms, and that if I supplied him with the Release of Mortgage terms that state I woe the bank nothing, he would close the account. He said I owed the bank 43k plus!! YIKES!!! Well I had never heard that from the bank and never gotten anything in the mail from the bank or Oxford regarding and deficiency judgement, per the laws of the state of CT where the short sale took place. I lost everything and now live with my parents having to move my two kids 400 miles from the only home they ever knew. I lost the 120k I put down on the house and two years of interest only payments of 5k a month at 8.5% apr. So anyway, this was the first and only time I had heard anything about owing the bank. They know full well I am broke. The sale of the house covered all but 15k of the principal loan amount. I am giving the background as to give a larger picture of my situation. So at first I believed "Dan" and called the document company in CT that was paid to track my mortgage and they emailed me the Release of Mortgage, not the details, just the signed statement from the bank that I was free and clear. I emailed him a copy and thought it was done. NOOOOO...He emails me back saying he "suggests that I give him my attorney's number so he can speak to her directly. What??? A collection agency? With no proof or documentation what so ever that I owe anyone anything?? Um, no. So then he calls! I didn't pick up and got the recording. So I looked into it and I am convinced that if the bank wanted money from me they would have to go to court and I would have to be served and go to court in CT and then a deficiency judgement would be made my the judge. So I emailed him back saying in no uncertain terms not to contact me again, I know the law and if I find out "Dan" was doing anything at all illegal, he would get the crap sued out of him. I have yet to hear back. Then to get this off my mind, I decided to Google Oxford and this is what I am finding out. I did not give him any info he didn't already know. Oh and he got my home number by calling my mom at her house, she lives somewhere else, and told her he was a health insurer calling in regards to a claim. So she gave him my number! She and I had a chat about that. I have read that if I send them a cease and desist letter and they contact me after they receive it they are breaking the law. What I am wondering is if they were just fishing to see if they could get anything from me even though I have not heard anything from the CT courts or the bank.

Calls looking for someone who does not /never has lived here.

Oxford Management Services has called me every day for the past 3 weeks. I have asked them repeatedly not to call me anymore. Most days I get at least 2 calls and when I get angry and tell them not to call back is usually when I get 7 calls in a row. When I answer the person on the other end of the line starts yelling at me and it very hard to believe nd cursing. They claim I owe them money from a medical bill from June of 2007. According to them it was just submitted to them. I find it hard to believe it has been 3 years and they are just now gtting it submitted. Then when I tell them I don't feel comfortable giving them payment over the phone they say well we will give you a discount for paying it today. I tell them until I get something in my hand with all of the account info on it I am not sending them any money. That is when they start yelling at me. I am tired of being harassed by these people and am very close to pressing charges on them. I don't know what else I can do.

So, this morning my father in law got a call from a company claiming to be Oxford Management, a collection agency. They were looking for my wife and me. He (my father in law) forwarded me their info. When I got home from work I called them a bit confused as I pay my bills and hoped that something had not slipped through the cracks and was effecting my credit. When they answered they asked for my ssn and banking info to resolve a debt of about $200. I laughed. "i never give out my ssn and buy the way a det for what exactly" type of conversation began. They refused to tell me what the debt was for. I asked for something in writing. They refused to provide that. Finally I spoke to a manager "Kevin". He eventually agreed to e-mail me the collection letter. Well, 30 minutes or so later, guess what. You got it! No e-mail. I called back, spoke to Kevin again. This time he refused to send the e-mail or anything in writing because I was being rude to him. I asked for his last name. He terminated the call. Is this just some scam company? Call me crazy but I do not give my ssn and baanking info over the phone to ALMOST any company that contacts me via my inlaws, can't tell me what the money is for, can't prove that they are who they say they are, can't provide any written documentation of any debt whatsoever and don't know that my wive and I do not put both of our names on anything at all. EVER. Something is in her name or mine. We do not and have never ever co-bought a car or co- took a credit card or anything. Pretty bad con artists if you ask me.

Oxford Management calls but when I answer, they just say if you are so and so, press 1 but if you aren't so and so disconnect this call. They don't say who they are-I see their name on my caller ID-and they don't say what they want.