We Want to Hear your Mortgage Servicing Horror Stories for Events After January 10, 2014 At the law office of Ira J. Metrick, we work with federal counsel, many times on a contingency basis, to file suit against lenders and their representatives, who have violated federal laws including: The Fair Debt Collection Practices Act (FDCPA) […]
Why is My Bank Sending Me Bills for a Discharged Second Mortgage?
My Second Mortgage was Discharged Through Bankruptcy. Why is My Bank Still Contacting Me? A Bankruptcy Discharge is a federal court order that erases a debt, such as a mortgage or second mortgage (Credit Line, Home Equity Line of Credit “HELOC” or Equity Loan). Any debt that is included on a Bankruptcy Discharge cannot show […]
Dual Tracking (12 C.F.R. §1024.41(c))
Important to Note: If you haven’t been denied for a loan modification by your current Servicer since January 10, 2014 , as long as you submit a complete loan modification application at least 37 days before a sheriff sale, your lender must review and respond to the application within 30 days. If they take longer than 30 […]