Tracks in the Sand...How to Exploit the Compliance Docs Lenders Send Out

Now that the various foreclosure and eviction moratoriums have either ended, or are on life support, it is more important than ever for homeowners in or near foreclosure, to exploit the papertrail created by servicers and purported  mortgage note holders to carve out the details of what is in, and not in, these debt representation letters.  As has been the case for years, formally challenging these letters, such as through qualified written requests and/or debt verification letters, is a sound way to get going documentation to show both the absence of the right to foreclose, or more damning evidence that chain-of-title and related issues outright prevent the legal ability to foreclose.  The Covid era actions impacting foreclosures continue apace as well, and Charles will break down the latest in that arena.