After my house was paid off I kept getting new demands for continued payments from new banks as the debt kept being sold.
There was nothing complicated about this, everything was black and while. The problem was it was simply no competent interface with the mortgage servicer who might receive documents and act on them. And it turns out there is something worse than an Indian call center. A Baltimore call center. Staffed by angry women who could barely communicate. I felt like I needed to hire Ice-T as a translator.