855-824-1000

I got a call Nov 3, 2011 from someone who says they work for Five lakes Agency, an Agent of Chase Mortgage. Debt collections are only to contact me throught my Chapter 13 Trustee and Attorney.

They had some information about my motrtgage but not enough detail to make it sound the least bit credible.

After a little bit of searching I found they are registered as a foreign corporation in Wyoming. It appears to be the same place that was reported on the news a few months ago as a Incorporation Factory, that cranks out incorporations like gum balls.

I got a similar message and we don't have a bankruptcy!  I will not call back.

If you are receiving these calls on a land line, there are some cable services for phone use that offer call blocking to eliminate these pesty calls.  It's worth every penny to subscribe!

These people are sharks and thieves and should be shut down.

I called the number before reading this and the man asked me my name and last four of my SS number. I started laughing at him. I asked who he was trying to contact and he hesitated and said some name that sounded like he just made it up. I told him to take me off the call list and he apologies and said he would.

We are receiving calls and having messages left from this number stating it is from Five Lakes Agency as well.  They reference JP Morgan Chase and that they may be trying to collect a debt.  We have no debts with Chase as we declared BK in 2011 and ALL outstanding liens were included in the BK.  Not sure what they are up to but when I called the number, there is a man by the name of Victor who answed.  Sounded suspicious to me even before I found the messages on line.  I am referring to our attorney.

Chase is selling discharged debt on second mortgages whether it was in a bankruptcy or not to these bozos. It is their way of circumventing bankruptcy.

They will try to get you to settle with them to release the lien if you need to sell your house. Chase is supposed to be modifying loans, but they are not. Chase is a bunch of crooks like this 5 Lakes deal.

Have an attorney talk to them.

You cannot include a LIEN in your bankruptcy. A LOAN yes, which is what your mortgage is. But every home has a lien placed on it. You can't just live in your home for free. If that was the case every person would purchase a home and then file bankruptcy. I think you should dig dipper and talk to your atty and they can clarify for you that you do have a lien. These companies are here to HELP you so that when you do go to sell your home you are able to profit off of it, and not have it be an item of the bank. You don't have to pay, but in the long run that's your loss...

The reason these loans were called HELOC's is because there was some value in these properties and they lend you the money you put in the property , as of the time that the alleged lenders decided that there was no recourse in collecting them  ( approx, 120 days after a borrower stops paying) they charge them off. Then you charge them off as a persenol liability through Bk , based on 11 U.S.C section 524 (a) (2) once the BK is filed there is an injunction in place to all who try to collect a debt that has been discharged. The debts on HELOC's are sold for around $0.005 ( half a penny on the dollar) to collector's. Ask them to verify your debt with the "Note" , if they don't an continue to collect file a law suit against them, it cost more than the whole debt they bought. By the way I just received a letter from this company, if you receive a letter look at the bottom they are goverened by FDCPA.

They are fraudulently trying to scare us into payment.  They have violated the fair debt collection act.

Thanks to all who posted their experiences with Five Lakes. Based on reading these posts, I have no intention to return the robo-call I got today.

My heloc was discharged in a Ch. 7 BK 6 years ago, and Chase recently charged off the debt after I stopped paying the monthly minimums over 5 months ago...

The lien still is attached to my property, but perhaps Five Lakes will settle for one cent on the dollar to release it...we shall see. Not a penny more will be offered.

I have been reading these post and it sounds like Five Lakes agency is a bottom feeder debt collector.

I guess my confusion is that I filed BK7 at the end of 2010 and gave up the house in the BK.  They Foreclosed on this property and already sold it to a new person in July of 2011.

now I am getting a letter in the mail from Five Lakes Agency that states even though I filed BK7 and it was discharged and extinguishes my personal liability for the debt owned to the lien holder.  They still hold a valid lien on the property.  Moreover, in an attempt to assist me with obtaining a lien release on the above referenced property, JP Morgan is willing to extend some repayment and/or settlement options.  

I dont own this house anymore and JP Morgan already sold it to another individual.

I have an email into my lawyer about this but wanted other inputs while I wait to hear back.

should I be confused on this??

Hello, I got a letter from Five Lakes too, but I have not been able to get in touch with a live person. Do you have a contact name/phone number (anyone?)  I would really appreciate it.  My e-mail is meantrex@gmail.com.  Thank you.

I received a call from Five Lakes Agency INc. stating that they are ready to foreclose on my property  and they are working on behalf of Chase.  My bankruptcy was discharged in 09 and my home loan is current. I contacted my attorney and will file a complaint with attorney general.  I tried to call and no answered, so I left a message and told them to call my attorney.

my lein is second, they cannot foreclose, my first is current, I never reaffirmed, and why now, when they had every opportunity to move forward.  Get a hold of attorney and sue Chase.  I am filing a complaint with the attorney general.  They need to send letter first not call and threaten the consumer over the phone concerning foreclosuer.  Chase is corrupt bank.

good for you, they are a second, my first will swallow them, and my first is current, not a dime, they wrote off the second before the bankruptcy was final in 09 when I was current, anbd when I did not re affirm they never came to court.  I am ready to fight, and I going to report them to the attyn general.  I had a threatening call today, I am protected under bankruptcy laws.

Same call as described in comments thread from Five Lakes.  The 855-824-1000 number they left on my voice mail is not in service on 8/27/12.  I am questioning the credibility of this agency as the collector on behalf of Chase.  I would rather deal directly with Chase to work toward paying the second mortgage at a negotiated amount to eventually release the second lein.

I beg to differ. Not every home has a mortgage. Many are owned free and clear by the homeowner. Property tax laws vary from state to state, but do not assume that someone, somewhere has a claim against your property. Please be careful not to misinform

Has anyone contacted these folks with any success? if so, what was the result.

I found an address for them in Troy, Michigan which is 901 Tower Drive Suite A250 and I will be paying them a visit. Trying to figure out if they are a legal corporation or just want your money.