I borrowed {$20000.00} on a Visa to pay my Mortgage, it was a secured loan against my house. When the HOA foreclosed, they sold my house at auction XXXX XXXX for {$50000.00}. My attorney told me the HOA assumed liability of the {$20000.00} XXXX Lien. I called the lawyers for HOA and they say they asked for payoff from the XXXX XXXX XXXX collecting for the {$20000.00} Visa but XXXX refuses to give the HOA atty. a payoff amount. I called the XXXX XXXX XXXX and XXXX who I had spoken to before, suddenly adopted a sing-song tone and answered " I ca n't give you legal advice. '' I asked again, I 'm not asking you for advice I 'm asking what is your intention, why are n't you giving the attorney for the HOA a payoff amount and demanding payment? XXXX repeated " I ca n't give you legal advice. '' On XXXX XXXX, XXXX I wrote a letter and mailed by US Post Office on XXXX XXXX with signature required which I am attaching the letter to XXXX instructing them to give payoff to the HOA attorney. I need your help so they will not do a charge off which will hurt my credit. It is on my credit report as a current debt of {$25000.00} for Visa CACH but as of XXXX XXXX, XXXX we passed the date of redemption when the Deed was transferred to XXXX XXXX on behalf of HOA and the HOA assumed that XXXX Lien. 

Please do not let Mandarich Law Group do a charge off and if you can help please force them to demand and not accept anything less than the whole {$25000.00} that was due. I am also attaching their XXXX XXXX, XXXX receipt to me for my last payment of {$50.00} to Mandarich Law Group CACH on XXXX XXXX, XXXX. 

On XXXX/XXXX/XXXX my application could not be accepted to rent an apartment based on my credit report which shows this as a current debt. In order to rent a place I need this debt removed to help restore my credit. 
Thank you for your help to protect my credit and I gave permission to publish for people in a similar position to know the consequences to your credit and if the collection agent refuses to cooperate, the Consumer Financial Protection Bureau is our Champion. 
