Why would a mortgage company send a sub contractor to a home that is not vacant? This happened after a sheriff sale.
There are insufficient information provided to formulate a specific response. However if there was a sheriff sale presumably by the mortgage company the the purchaser at the sheriff sale which may be the mortgage company is the new owner and therefore can take appropriate action to protect the condition of its property regardless of who is living there unless someone else is the owner as a result of the sale.