#respa — Public Fediverse posts
Live and recent posts from across the Fediverse tagged #respa, aggregated by home.social.
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Because the whole point of these laws is to protect people who can't afford to be robbed, cheated, or swindled by big businesses.
So if you think you "can't afford" a lawyer, think again.
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Because the whole point of these laws is to protect people who can't afford to be robbed, cheated, or swindled by big businesses.
So if you think you "can't afford" a lawyer, think again.
-
Because the whole point of these laws is to protect people who can't afford to be robbed, cheated, or swindled by big businesses.
So if you think you "can't afford" a lawyer, think again.
-
Because the whole point of these laws is to protect people who can't afford to be robbed, cheated, or swindled by big businesses.
So if you think you "can't afford" a lawyer, think again.
-
Because the whole point of these laws is to protect people who can't afford to be robbed, cheated, or swindled by big businesses.
So if you think you "can't afford" a lawyer, think again.
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When a debt collector breaks the law, your lawyer is free.
When a credit reporting agency breaks the law, your lawyer is free.
When a hospital bills you for a procedure they never performed, your lawyer is free.
When a mortgage lender breaks their contract with you, your lawyer is free.
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When a debt collector breaks the law, your lawyer is free.
When a credit reporting agency breaks the law, your lawyer is free.
When a hospital bills you for a procedure they never performed, your lawyer is free.
When a mortgage lender breaks their contract with you, your lawyer is free.
👇
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When a debt collector breaks the law, your lawyer is free.
When a credit reporting agency breaks the law, your lawyer is free.
When a hospital bills you for a procedure they never performed, your lawyer is free.
When a mortgage lender breaks their contract with you, your lawyer is free.
👇
-
When a debt collector breaks the law, your lawyer is free.
When a credit reporting agency breaks the law, your lawyer is free.
When a hospital bills you for a procedure they never performed, your lawyer is free.
When a mortgage lender breaks their contract with you, your lawyer is free.
👇
-
When a debt collector breaks the law, your lawyer is free.
When a credit reporting agency breaks the law, your lawyer is free.
When a hospital bills you for a procedure they never performed, your lawyer is free.
When a mortgage lender breaks their contract with you, your lawyer is free.
👇
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Your lawyer is free.
Over the weekend, we got a flood of comments saying, "I can't afford a lawyer."
Because they still don't know just how low the price tag is.
It's zero. The lawyer is free.
Almost every consumer-protection law on the books makes the bad guys pay for your lawyer, not you.
This means:
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Your lawyer is free.
Over the weekend, we got a flood of comments saying, "I can't afford a lawyer."
Because they still don't know just how low the price tag is.
It's zero. The lawyer is free.
Almost every consumer-protection law on the books makes the bad guys pay for your lawyer, not you.
This means:
👇
-
Your lawyer is free.
Over the weekend, we got a flood of comments saying, "I can't afford a lawyer."
Because they still don't know just how low the price tag is.
It's zero. The lawyer is free.
Almost every consumer-protection law on the books makes the bad guys pay for your lawyer, not you.
This means:
👇
-
Your lawyer is free.
Over the weekend, we got a flood of comments saying, "I can't afford a lawyer."
Because they still don't know just how low the price tag is.
It's zero. The lawyer is free.
Almost every consumer-protection law on the books makes the bad guys pay for your lawyer, not you.
This means:
👇
-
Your lawyer is free.
Over the weekend, we got a flood of comments saying, "I can't afford a lawyer."
Because they still don't know just how low the price tag is.
It's zero. The lawyer is free.
Almost every consumer-protection law on the books makes the bad guys pay for your lawyer, not you.
This means:
👇
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9) Dual tracking - beginning a foreclosure while a loss mitigation application is in process
10) Dual tracking - seeking a foreclosure sale while a loss mitigation application is in process
11) Other errors related to the servicing of the loan
We've seen mortgage lenders make all of these errors, sometimes many at the same time.
You have a right to demand they fix those mistakes, and if they don't, you can take them to court.
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6) Failure to provide a correct payoff balance on request
7) Failure to provide accurate information about loan modifications and other loss mitigation
8) When a loan transfers to another servicer, failure to also transfer accurate loan information
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1) Failure to accept proper payments
2) Failure to apply those payments properly to your loan
3) Failure to credit that payment on the date received
4) Failure to pay taxes and insurance out of your escrow as agreed
5) Adding improper fees and charges
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Has your mortgage lender ever screwed up your loan?
When your mortgage lender makes a mistake, you'll want to write to them and let them know. (See yesterday's post).
Under "Regulation X" — which has to do with federal real estate law and nothing to do with social media—there are 11 categories of mistakes you can demand your mortgage lender fix:
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4. Send it certified mail, return receipt requested. This way, you can prove you sent it.
5. They have five days to acknowledge getting your letter.
6. They have 30 days to investigate and fix the error, but they can ask for another 15 days.
7. If they don't fix the mistake, you might be able to, or need to, sue them to fix it.
Tomorrow, we'll talk about what kind of errors you can put in this letter.
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1. You must send the letter by mail.
2. You must explain the error in your letter. Be clear and brief as possible about the error.
3. You MUST send it to the correct address. Look for any address designated for a "Qualified Written Request" or "QWR." If you have any doubt, send it to EVERY address that might reasonably be listed for such errors.
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Yesterday's post about Mr. Cooper / Nationstar and their problems raised a lot of questions.
Here's the most important thing you need to know:
Federal law gives you the right to inform your mortgage servicer about any error. It requires them to investigate the error. And if there is an error, they must fix it and send you written notice of the fix.
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Do not call them, do not email them, do not reach out to them on social media.
Instead, you MUST write a letter to them, explaining the error, and you must send it to this address only:
Notice Of Error/Request For Information
Attn: Customer Relations
PO Box 619098
Dallas, TX 75261-9741Send it certified mail, return receipt requested. Your mortgage is too important to skimp on postage.
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Now, they have stopped accepting payments at all due to a hacking attack and data breach that has left their payment systems shut down for over a week.
The company has promised that no one will suffer from "late fees, penalties, or negative credit reporting" as a result of the attack.
If Mr. Cooper has made a mistake in handling your mortgage, a phone call WILL NOT PROTECT YOUR RIGHTS.
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If your mortgage is with Mr. Cooper (Nationstar), you're in a world of pain—again.
It was just a couple of years ago when the mortgage servicing giant double- and triple-charged many homeowners' mortgage payments, leaving many with empty bank accounts and overdraft fees.
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