Likewise, the answer to Moss’s 2nd QWR (dated ounts due to have legal fees and you can will set you back, dating back to pl
Moss does not allege clearly one Ditech try a personal debt collector or your loan was a student in standard whenever Ditech began servicing it
Regarding Ditech, since the that loan servicer, the company in reality manage be considered due to the fact a personal debt enthusiast whether your loan were into the standard when Ditech began upkeep they. See id.; fifteen U.S.C. § 1692a. But she do claim you to (1) Ditech first started maintenance the loan to your ; (2) her payment per month was $ (that is equivalent to $nine, annually); (3) she was delivered a notice out of Intent to help you Foreclose into ount to deal with their unique default, also attorney’s costs and you will expenditures, is $twenty-two, (that is more than twice exactly what Moss’s monthly installments would have totaled on months that Ditech serviced their unique loan).