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Good afternoon. I am the legal expert that will assist you in this matter.
It is my understanding that you signed a consent judgment a few years ago. Since executing the judgment, you have made all payments consistent with the entry. However, you have not received any documentation from the mortgage company regarding these payments. Despite the consent judgment that you agreed to, the mortgage company should keep you apprised of the outstanding balance on the loan. It is a requirement of the Fair Debt Collections Act practices. To gain this information from the mortgage company, you should send them a letter requesting your current balance. Give them 20-30 days from the date of the letter to provide you with your balance. In the meantime, please try to gather all evidence of payments that you made to the company.
You can take the position that they are in default of the entry by failing to provide you with the balance. However, all the mortgage company needs to do is to take the entry to a judicial officer and then you will be fighting an uphill battle.
Please let me know if you have any additional questions. Given that I am a practicing attorney, I may not be able to respond to your follow up questions immediately, but I will respond as soon as my schedule permits.
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