Has anything been recorded with the county recorders office?
Sounds like Freedom is pulling a fast one here. For some reason I don't think the assignment to Chase was a "done deal" before they notified you the loan was sold. Was the loan in default before it was sold?
Maybe someone at Chase caught the default status and kicked it back to Freedom?? Maybe this is why the Chase people could not find you in their system and this is why Freedom came back into the picture??
Anyway...in the meantime they cemented you in default.
I smell a big fat rat......
If you are not familiar with RESPA please go to http://www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm
I have copied a bit of the info below
Loan Transferred to New Servicer. Your loan servicer is required to notify you in writing at least 15 days before the servicing of your loan is transferred to a new servicer. The notice must include the following information:
Treatment of Payments During Transfer Period. During the 60-day period beginning on the effective date of the transfer, the payment may not be treated as late if you mistakenly send it to the old mortgage servicer instead of the new one.
- The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them.
- The name, address, and toll-free or collect call telephone number for the new servicer.
- Information that tells whether you can continue any optional insurance, such as mortgage life or disability insurance, and what action, if any, you must take to maintain coverage.
- A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of the loan.
Hope this helps and good luck with the attorney!