Q
I don’t understand my monthly mortgage statement and the amounts it says I owe. Is there any way I can request information about it?
AYes. Whenever you don’t understand your bank’s accounting of your loan, the Real Estate Settlement Procedures Act (RESPA) permits you to send a letter to the bank or loan servicer asking for an explanation of your account (called a “Qualified Written Request” or “QWR” for short). The QWR must be acknowledged within 5 days by the bank/servicer and answered within 30. If they don’t answer or the answer is not reasonable, you can sue for a proper accounting and damages. Follow this link for a sample letter:<INSERT LINK>
Q
If I’m foreclosed on, do I have to file bankruptcy to protect my home?
AWhile that’s an option, too many consumers choose that option first before knowing or understanding whether they can fight the foreclosure. Bankruptcy devastates your credit standing and stays on your credit report for ten (10) years. If your bank is making errors on your account, you need a consumer lawyer to analyze your loan account to determine whether your bank is violating any federal or state law by its errors or other bad acts.
Q
We will fight to protect your legal rights under the law?
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Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet.
Q
We will fight to protect your legal rights under the law?
ALorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.
Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet.
Q
We will fight to protect your legal rights under the law?
ALorem ipsum dolor sit amet, consectetuer adipiscing elit, sed diam nonummy nibh euismod tincidunt ut laoreet dolore magna aliquam erat volutpat. Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat.
Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi. Nam liber tempor cum soluta nobis eleifend option congue nihil imperdiet.

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