Borrowers have rights. Mortgage companies have rules.
When lenders or mortgage servicers mishandle payments, ignore disputes, misstate what you owe, or fail to follow the rules, you may have rights and legal remedies.
Borrower Rights Issues We Handle
Wrongful foreclosure
Mortgage servicing errors
RESPA violations
Escrow mismanagement
Force-placed insurance disputes
Misapplied mortgage payments
Incorrect payoff balances
Dual tracking
Loan modification mishandling
Improper fees and charges
Failure to investigate or respond to borrower disputes
Errors in mortgage account statements
Sometimes you do everything right.
And the mortgage company still gets it wrong.
Borrowers often reach out after months of confusing statements, misapplied payments, inconsistent instructions, or modification paperwork that seems to go nowhere.
The problem may not be on your end. Mortgage companies and servicers have legal obligations, too. When payments are mishandled, information is inaccurate, or required procedures are not followed, you may have defenses, claims, or other legal options.
When something doesn’t add up, the paper trail matters.
Mortgage servicing problems often develop over months, sometimes even years. Account statements, payment histories, escrow records, notices, correspondence, and loan modification documents can help show what happened and where things went wrong.
A legal review can help determine what the mortgage company or servicer was required to do, whether those obligations were met, and what options may now be available.
Depending on the facts, that may include disputing account errors, demanding information or corrections, challenging improper charges, addressing servicing violations, defending a foreclosure, or pursuing other available legal remedies.
First, figure out what happened. Then determine what can be done about it.
Your mortgage company has lawyers.
You can have one, too.
If something about your mortgage account, loan modification, foreclosure, or servicing history doesn’t add up, it may be worth having an experienced attorney take a closer look.