Foreclosure Defense Checklist

Foreclosure defense is such a complex area that it is helpful to have a comprehensive checklist to walk through for each matter. This checklist is designed with that purpose in mind.

This is a checklist that Doucet Gerling provides to its clients to walk through each possible defense.  It is not required, but is helpful for the firm. It enables you to input data surrounding a pending foreclosure to help us identify whether any particular issues warrant further investigation. While this is designed to cover most situations, you should review your individual situation with your attorney prior to proceeding to ensure all angles are covered.

This checklist does not cover state consumer protecton statutes because Ohio's CSPA does not apply to mortgage transactions. Completing this form does not create an attorney-client relationship, which only occurs through our written and signed agreements.

Client Information

Primary Client Name {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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This Checklist Will Take About 30 Minutes to Complete.

Skip Over Any Question that You Do not Understand or Cannot Answer.  Leave Those Blank. 

You May Find Gathering these Documents Helpful in Reviewing this Checklist, which You Should Also Email or Deliver to Your Lawyer. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Property Information

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Is the Property Listed for Sale? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do You Have Plans to List/Considering Listing it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Property Debt Information

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Loan Transaction

(Blank if Foreclosure is Not Loan Related)

Closing

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Does the Client Speak and Read English? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Loan Transaction, Cont.

(Blank if Foreclosure is Not Loan Related.)

Loan Terms

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Do You Want an Audit of the Adjustments (additional cost)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Broker Information / Appraisal

Mortgage Broker

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A broker's bad actions can be imputed onto the lender via agency law.  The current holder can be liable for their conduct by not being a HIDC.

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Appraisal

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Litigation

Has a Lawsuit Been Filed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Litigation Details

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Was the Lawsuit Filed in the County in Which the Property is Located? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is There a Demand for Reformation of the Mortgage or Deed in the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is there a Need to Quiet Title? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Substantive Defenses/Claims

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Prior Material Breach/Their Breach of Contract

Please Mark if Any of the Following Contract Issues Apply. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Trash Out/Set Out

Has the Foreclosure Process Finished with the Deed Being Completely Transfered to a New Owner/Back to Lender? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Does the Original Transaction Appear Grossly Unfair or Unconscionable? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Unconscionability Analysis

Do Any of the Following Apply (Procedural Unconscionability) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do Any of the Following Apply (Substantive Unconscionability) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Statute of Limitations/Laches

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Did a False or Misleading Statement by the Other Side (or its predecessors) Cause You Actual Loss or Injury? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Fraud

A claim for common-law fraud requires proof of the following elements: (1) a representation or, where there is a duty to disclose, concealment of a fact, (2) which is material to the transaction at hand, (3) made falsely, with knowledge of its falsity, or with such utter disregard and recklessness as to whether it is true or false that knowledge may be inferred, (4) with the intent of misleading another into relying upon it, (5) justifiable reliance upon the representation or concealment, and (6) a resulting injury proximately caused by the reliance.

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Rights to Enforce Note

Would You Like to Analyze Note Enforceability?  (This only applies to loans and is complex.  Firm clients may ignore.) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was a Loan Modification Ever Finalized for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Most commercial loans and second mortgages are not negotiable instruments. Many first mortgages are likely to be found to be a negotiable instrument.  The definition is found in the UCC as follows:

UCC § 3-104. NEGOTIABLE INSTRUMENT.

(a) Except as provided in subsections (c) and (d), "negotiable instrument" means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it:

(1) is payable to bearer or to order at the time it is issued or first comes into possession of a holder;

(2) is payable on demand or at a definite time; and

(3) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain (i) an undertaking or power to give, maintain, or protect collateral to secure payment, (ii) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or (iii) a waiver of the benefit of any law intended for the advantage or protection of an obligor.

Non-Negotiable Instrument

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Negotiable Instrument

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An indorsement is a stamp at the end of the note that purports to transfer the document to another party.  It looks similar to an indorsement you might see on the back of a check.

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An Allonge is a Seperate Piece of Paper that Contains an Indorsement (versus being a stamp that appears directly on the last page of the note).

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§ 3-309. ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT.

(a) A person not in possession of an instrument is entitled to enforce the instrument if:

(1) the person seeking to enforce the instrument

(A) was entitled to enforce it the instrument when loss of possession occurred, or

(B) has directly or indirectly acquired ownership of the instrument from a person who was entitled to enforce the instrument when loss of possession occurred;

(2) the loss of possession was not the result of a transfer by the person or a lawful seizure; and

(3) the person cannot reasonably obtain possession of the instrument because the instrument was destroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an unknown person or a person that cannot be found or is not amenable to service of process.

(b) A person seeking enforcement of an instrument under subsection (a) must prove the terms of the instrument and the person's right to enforce the instrument. If that proof is made, Section 3-308 applies to the case as if the person seeking enforcement had produced the instrument. The court may not enter judgment in favor of the person seeking enforcement unless it finds that the person required to pay the instrument is adequately protected against loss that might occur by reason of a claim by another person to enforce the instrument. Adequate protection may be provided by any reasonable means.

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Securitization

Would you like to analyze your loan to determine whether it was part of a pool of loans that were securitized and sold to bond holders? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Securitization

Go to:

https://www.sec.gov/edgar/searchedgar/companysearch.html

Search the name of the company named as trustee, then look for the particular trust.  Click on the one you want and open the document called Prospectus.

Open the Complete Submission File and click Ctrl+F on your keyboard to search for:

POOLING AND SERVICING AGREEMENT

Scroll down a little and find the Cutoff Date and Closing Date for this trust.

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Rights to Enforce Mortgage/Deed of Trust

Is there a Mortgage that You Would Like to Analyze? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Mortgage Transfer(s)

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Mortgage Notarizations

Notarizations

Was Any Document Notarized Outside Your Presence when You Closed the Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Provide Details About What Was Notarized Outside Your Presence. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did Either Borrower Sign the Mortgage on Behalf of the Other Borrower without (if applicable) at Closing? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was there a Power of Attorney (POA) to Sign for the Other? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Provide Details About What One Person Signed for the Other. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was the Notary Who Signed the Closing Documents Properly Licensed with a Current Stamp? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Address Any Issues Regarding Witnesses to the Mortgage Here (or leave blank if none/unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was the Notary Who Signed the Mortgage Assignments Properly Licensed with a Valid Stamp? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Dower Rights re: Mortgage

Dowery Analysis

At Closing, Who Owned the Property (As Evidenced on the Deed)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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At Closing, Who Signed the Loan/Note? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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At Closing, Who Signed the Mortgage? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did Married Spouses Own the Property at Closing, With Only One Spouse on the Loan, and the Other Spouse Signing the Mortgage Only to Waive Dower? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Any Additional Comments About Dowery Can Be Included Here (leave blank if none). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Federal Statutory

CARES Related Regulations

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RESPA

ABA,  forced placed insurance,  notice of servicing transfers, how to do one of these, 4 months behind

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Are You Aware of Any Kickbacks Paid/Received to Others When Your Loan Closed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Written a Letter to Your Servicer Requesting Information? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did it Respond With the Information? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Written a Letter to Your Servicer Notifying it of an Error and Requesting a Correction? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did it Respond by Correcting the Error or Explaining Why it Was not an Error? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did it Charge You to Investigate the Error? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did Your Servicer Notified You When the Servicing Changed to a New Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RESPA Mortgage Servicing

Is this Loan a HELOC or Reverse Mortgage? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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RESPA Servicing

Was Your Loan At Least 120 Days Past Due on the Date the Foreclosure Started? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Contacted Your Mortgage Servicer to See What Options it Has to Help in the Past 3 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did Your Servicer Provide You an Application for Help in Response to Your Request? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Filled Out a Loss Mitigation Application and Sent it Into Your Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Your servicer is not allowed to take any steps to proceed with any aspect of foreclosure, whether that is file a motion, move to sell the property, or send you a foreclosure notice.

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Did You Appeal the Decision? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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SCRA

Have You Ever Served in the Military? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Has the Servicer Notified the Court? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Has the Other Side Ever Called Your Cell Phone with a PreRecorded Voice or with an AutoDialer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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TCPA

Did You Ever Give Your Cell Phone Number to Them, or a Prior Company of Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did You Ever Revoke Consent by Giving them Notice in Writing or Email Not to Call Your Cell Phone? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did They Continue to Call After You Revoked Consent? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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ECOA

Is Any Borrower Identify as a Member of a Minority/Non-White Ethnic Group? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Does the Rate Appear Higher than Market, Or Would you like to Perform a HMDA data analysis? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Visit https://www.consumerfinance.gov/data-research/hmda/historic-data/ for the data for your original lender.

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Anti-Tying Act

Did the bank require that you buy any of its products as a condition to giving you the loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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FDCPA

Were You Allegedly Behind in Payments When the Servicing Most Recently Changed Hands? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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This is a very important question to answer accurately.  Did your servicer acquire the servicing of your loan while you were allegedly behind in payments?

FDCPA

Did Your Servicer Do Any of the Following? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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TILA

TILA

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Sec 34, 32, nominal damages, form resission, finance charge rescission, etc, also not sending statements, not providing payoff quote, signed outside presence, form blank, not given docs on date of closing, emailed docs day later, sign doc waiving right to rescind, payoff quote, not timely crediting payments

 

Did You Purchase Any Credit Life Insurance Product as Part of this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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FCRA

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A Mortgage should not be indicating behind if you obtained a Covid-19 deferment.

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National Consent Decrees

Visit https://www.justice.gov/ust/national-mortgage-settlements to search if the mortgage searvicer has prior consent decrees.

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Prior FTC Violations

Visit https://www.ftc.gov/enforcement/cases-proceedings to search FTC rulings.

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Prior CFPB Violations

Visit https://www.consumerfinance.gov/enforcement/actions/ to search CFPB rulings.

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Technical/Rule Based Defenses

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Service of Process

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This does not mean they are liable on the debt, but rather only deals with whether they were named (they should have been).

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Look on the first page of the complaint for this information.

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Cognovit

Is a Cognovit Provision Present? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Ensure All of The Following Were Followed {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Business Unfair and Deceptive Acts and Practices

Do Any of the Following Apply (RC 4165)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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State Specific UDAP Laws/Claims/Defenses

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Conditions Precedent

Mortgage Condition Precedent

Does the Mortgage Have a Paragraph that Requires Written Notice of the Default (check paragrahs 21 and 22)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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FHA/VA Condition Precedent

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Bankruptcy

Have You Filed Bankruptcy in the Last 8 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did You Ever Pay Mortgage Insurance (MI or PMI)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Additional Information

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Have You Filed a CFPB Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Filed a Complaint with the Attorney General? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do You Feel Safe in Your Home? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Personal Financial information

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Objectives

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Would You Consider Any of the Following to Resolve this Matter? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Foreclosure Defense Checklist

Foreclosure defense is such a complex area that it is helpful to have a comprehensive checklist to walk through for each matter. This checklist is designed with that purpose in mind.

This is a checklist that Doucet Gerling provides to its clients to walk through each possible defense.  It is not required, but is helpful for the firm. It enables you to input data surrounding a pending foreclosure to help us identify whether any particular issues warrant further investigation. While this is designed to cover most situations, you should review your individual situation with your attorney prior to proceeding to ensure all angles are covered.

This checklist does not cover state consumer protecton statutes because Ohio's CSPA does not apply to mortgage transactions. Completing this form does not create an attorney-client relationship, which only occurs through our written and signed agreements.

Client Information

Primary Client Name {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Primary Email {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Primary Phone {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Co-Client Name {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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This Checklist Will Take About 30 Minutes to Complete.

Skip Over Any Question that You Do not Understand or Cannot Answer.  Leave Those Blank. 

You May Find Gathering these Documents Helpful in Reviewing this Checklist, which You Should Also Email or Deliver to Your Lawyer. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Property Information

Subject Property Address {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Ownership Type on Loan Closing Date {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Property Type {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Relationship Type at Closing {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Current Property Residents {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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How Many Mortgages Are on this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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How Many Other Liens (Not Mortgages) Are on this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please identify any title related problems/issues (leave blank if not applicable or unknown): {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Is the Property Listed for Sale? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do You Have Plans to List/Considering Listing it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Property Debt Information

Who is Pursuing Foreclosure? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is their Name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What was the Financing Use for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Name of the Mortgage Servicer or Debt Buyer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Name of the Original Lender (e.g., on the Note)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is the Entity Pursuing Foreclosure the Same as the Original Lender? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the amount of your normal payments? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are You Behind on Other Debts Impacting this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Much Do They Claim is Past Due? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What's the Total Amount Owed to Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Approximate Amount of All Debts/Liens on this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Approximate Property Value? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Loan Transaction

(Blank if Foreclosure is Not Loan Related)

Closing

How Much Money Did the Borrower Get from the Closing, if any?  (Leave blank if under $2,000) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Was the Money Used For? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was Either Borrower Instructed to Pre-Date or Post-Date any Document at Closing? (Leave Blank if No) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did a Mortgage Brokerage Company Obtain Financing for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Type of Loan Was This? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did this loan include mortgage insurance (MI)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
State Total Amount of Closing Costs including YSP (if known). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Original Loan Amount {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Cost of Loan as Percentage {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Higher Cost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What Fees Stand Out as Higher Cost, and Who Benefited From Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was this Loan Stated Income or Stated Asset? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Date Did this Loan Close? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Provide Any DTI Analysis of Actual Income at the Time to SISA/NINA Amounts Indicated in the Loan Documents. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
A 4506-T is Present, Meaning the Lender Had Access to Tax Returns. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Client Speak and Read English? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Additional Notes Regarding the Loan Closing or Underwriting. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Loan Transaction, Cont.

(Blank if Foreclosure is Not Loan Related.)

Loan Terms

What was the initial interest rate? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Higher Rate? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was the loan an Adjustable Rate Mortgage (ARM)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do You Want an Audit of the Adjustments (additional cost)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Are the Adjustment Periods (if known)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What was the Margin (if known)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Higher Cost Margin? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Is there evidence that a fixed rate was promissed (e.g., GFE)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
State Any Prepayment Penalty (leave blank if none/unsure) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Interest-Only or Negative Amoritization Features (leave blank if none or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Indentify Any Balloon Terms That Have Impacted this Loan or Foreclosure (leave blank if none or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Unusual Issues In Light of the Client's Credit Scores at Closing. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Additional Notes Regarding the Loan Terms, Including Comments Regarding the TILA APR Disclosure. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Broker Information / Appraisal

Mortgage Broker

What Was the Loan Officer and Their Company's Name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was the Mortgage Broker and Loan Officer Licensed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the total amount of their company's fees from the HUD-1 Settlement Statement (leave blank if unknown, otherwise estimate)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Higher Broker Commission? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
How did You Hear About the Mortgage Broker?  (e.g., came to door, cold called, referral, etc.).  Did anything unusual happen? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

A broker's bad actions can be imputed onto the lender via agency law.  The current holder can be liable for their conduct by not being a HIDC.

{ binding firstError.message }

Appraisal

Were the comps used within 12 months and georgraphically close? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Issues with the Appraisal Used (or leave blank if unsure/unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Litigation

Has a Lawsuit Been Filed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Litigation Details

What is the current status of the lawsuit/procedural posture? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What is the Case Number? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Stage is the Lawsuit At? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
State or Federal Court? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
In What County/District? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was the Lawsuit Filed in the County in Which the Property is Located? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is There a Demand for Reformation of the Mortgage or Deed in the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Identify the Nature of the Reformation Request. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Is there a Need to Quiet Title? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Describe What Issues Need Quieted on Title. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Substantive Defenses/Claims

Were All Borrowers Over 65 When the Loan Closed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Any Borrower Finish High School? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
If you dispute the alleged deliquency, please state the reasons here (leave blank if none or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Prior Material Breach/Their Breach of Contract

Please Mark if Any of the Following Contract Issues Apply. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Itemize Any Fees Charged to Your Account that Appear Inflated or Incorrect.  (Leave blank if none, or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
State Any Issues/Problems You Noticed with the Account History/Statement. (Leave blank if none, or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Please Explain Any Broken Promisses, Contract Issue(s), or Evidence of Servicing Abuse (leave blank if none or unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Did these Issues Arise Prior to the Other Side's Claim of Your Default? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }

Trash Out/Set Out

Has the Foreclosure Process Finished with the Deed Being Completely Transfered to a New Owner/Back to Lender? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Indicate if They Changed the Locks or Removed Personal Items from the Property (leave blank if no/unknown/unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Describe any Instance of Their Tresspass (or leave blank if unsure or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Does the Original Transaction Appear Grossly Unfair or Unconscionable? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Unconscionability Analysis

Do Any of the Following Apply (Procedural Unconscionability) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Do Any of the Following Apply (Substantive Unconscionability) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Has the Other Side Acted with Unclean Hands?  Leave blank if no or unsure. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Identify Any Special Undertakings or Special Circumstances by the Other Side that Might Create a Fiduciary Duty (or leave blank). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Statute of Limitations/Laches

Approximately How Many Years are you Behind in Payments on this Debt? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Over 6 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Did a False or Misleading Statement by the Other Side (or its predecessors) Cause You Actual Loss or Injury? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Fraud

Identify the Representation/Statement Made. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Who Made the Statement? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Documentary Evidence Is There of the Statement? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Was the Statement Material to the Transaction? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Evidence Shows the Statement Was False? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What Evidence Shows They Knowingly Made the False Statement, or Made it with Utter Disregard of the Truth? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Evidence Shows They Intended to Mislead the Client? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Was the Client's Reliance on the False Statement Justifiable? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Was the Client's Proximate Injury Due to the False Statement? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
How Much is That Injury in Dollars? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }

Rights to Enforce Note

Would You Like to Analyze Note Enforceability?  (This only applies to loans and is complex.  Firm clients may ignore.) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was a Loan Modification Ever Finalized for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is the Note a Negotiable Instrument? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Non-Negotiable Instrument

Is the Name of the Lender on the First Page of the Note the Same as the Entity that is Now Claiming Note Ownership and Rights to Foreclose? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Contracts or Documents Purporting to Transfer Interest to the New Owner of the Note (directly or through multiple parties ending with the new owner)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does that Contract Include Language (in each transfer document) Show the Terms of the Transfer(s) (mutual assent) PLUS How Much Was Paid for the Transfer of the Note Ownership (consideration)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Indicate Any Additional Comments Here. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Negotiable Instrument

Is the Name of the Lender on the First Page of the Note the Same as the Entity that is Now Claiming Note Ownership and Rights to Foreclose? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Indorsements or Allonges with Indorsements Purporting to Transfer Interest to the New Owner of the Note (directly or through multiple parties ending with the new owner)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do Any of the Indorsements Appear to Be Made by Rubber Stamp or Not be Genuine? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do Any Indorsements Appear on Allonges? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is There an Indication that the Note is Lost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is There a Lost Note Affidavit, or Other Allegations Regarding the Circumstances of how the Note was lost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Affidavit State the New Owner was Entitled to Enforce it When it was Lost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Affidavit State the New Owner Aquired the Note from the Person Who Lost it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Affidavit State the Loss was not the result of a transfer by the person or a lawful seizure {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the affidavit state the new owner cannot reasonably obtain possession of the instrument because the instrument was destroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an unknown person or a person that cannot be found or is not amenable to service of process. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Indicate Any Additional Comments Here About the Note's Negotiability. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Securitization

Would you like to analyze your loan to determine whether it was part of a pool of loans that were securitized and sold to bond holders? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Has the bank or plaintiff alleged the owner is a trust (or do you know its name)?  For example: "U.S. Bank NA, successor trustee to Bank of America, successor to LaSalle Bank National Association, as trustee, on behalf of the trust of the Bear Stearns Asset Backed Securities I Trust 2004-HE5, Asset-Backed Certificates, Series 2004-HE5"? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Securitization

Go to:

https://www.sec.gov/edgar/searchedgar/companysearch.html

Search the name of the company named as trustee, then look for the particular trust.  Click on the one you want and open the document called Prospectus.

Open the Complete Submission File and click Ctrl+F on your keyboard to search for:

POOLING AND SERVICING AGREEMENT

Scroll down a little and find the Cutoff Date and Closing Date for this trust.

What is the Cut-Off Date for this Trust? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Closing Date for this Trust? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Date of Mortgage Transfer to this Trust on Any Assignment within the loan file or in the foreclosure complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Mortgage Transfer Before Cutoff Date? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Rights to Enforce Mortgage/Deed of Trust

Is there a Mortgage that You Would Like to Analyze? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Mortgage Transfer(s)

Is the Name of the Lender on the First Page of the Mortgage the Same as the Entity that is Now Claiming Rights to Foreclose? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Mortgages Purporting to Transfer Interest to the New Owner of the Note (directly or through multiple parties ending with the new owner)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Mortgage Include Language that MERS is or was Involved? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Evident Issues Regarding the Chain of Mortgage/DOT Transfers (explain or leave blank if none/unsure)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Are you aware of any assignments of mortgage outside the foreclosure documentation?  (Leave blank if not sure or not applicable). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Mortgage Notarizations

Notarizations

Was Any Document Notarized Outside Your Presence when You Closed the Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Provide Details About What Was Notarized Outside Your Presence. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Did Either Borrower Sign the Mortgage on Behalf of the Other Borrower without (if applicable) at Closing? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was there a Power of Attorney (POA) to Sign for the Other? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Provide Details About What One Person Signed for the Other. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was the Notary Who Signed the Closing Documents Properly Licensed with a Current Stamp? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Address Any Issues Regarding Witnesses to the Mortgage Here (or leave blank if none/unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was the Notary Who Signed the Mortgage Assignments Properly Licensed with a Valid Stamp? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }

Dower Rights re: Mortgage

Dowery Analysis

At Closing, Who Owned the Property (As Evidenced on the Deed)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
At Closing, Who Signed the Loan/Note? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
At Closing, Who Signed the Mortgage? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Married Spouses Own the Property at Closing, With Only One Spouse on the Loan, and the Other Spouse Signing the Mortgage Only to Waive Dower? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Any Additional Comments About Dowery Can Be Included Here (leave blank if none). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Federal Statutory

CARES Related Regulations

{ binding firstError.message }

RESPA

ABA,  forced placed insurance,  notice of servicing transfers, how to do one of these, 4 months behind

Was the Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) Provided at Loan Origination? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are You Aware of Any Kickbacks Paid/Received to Others When Your Loan Closed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Explain any Kickbacks, Including Evidence You Have. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Have You Written a Letter to Your Servicer Requesting Information? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did it Respond With the Information? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Written a Letter to Your Servicer Notifying it of an Error and Requesting a Correction? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did it Respond by Correcting the Error or Explaining Why it Was not an Error? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did it Charge You to Investigate the Error? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Your Servicer Notified You When the Servicing Changed to a New Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Escrow Issues or Errors Impacting the Foreclosure (leave blank if none/unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

RESPA Mortgage Servicing

Is this Loan a HELOC or Reverse Mortgage? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

RESPA Servicing

Was Your Loan At Least 120 Days Past Due on the Date the Foreclosure Started? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Contacted Your Mortgage Servicer to See What Options it Has to Help in the Past 3 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Your Servicer Provide You an Application for Help in Response to Your Request? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Filled Out a Loss Mitigation Application and Sent it Into Your Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Did Your Servicer Respond to your FIRST Request for Help? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Long Did it Take Your Servicer to Respond? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
While Your Servicer Was Reviewing Your Completed Application, did It Do Anything to Move Forward with Foreclosure? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Describe How Your Servicer Moved Forward with Foreclosure (Dual Tracking). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Describe Any Ways in Which Your Servicer Botched Your Request for Help (including not using reasonable dilligence). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Did You Appeal the Decision? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Describe Your Seriver's Response to Your Appeal. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

SCRA

Have You Ever Served in the Military? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did You Obtain this Loan Prior to Enlisting? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Has Your Interest Rate Ever Been Above 6%? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are You Currently Serving in the Military? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Has the Servicer Notified the Court? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }
Has the Other Side Ever Called Your Cell Phone with a PreRecorded Voice or with an AutoDialer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

TCPA

Did You Ever Give Your Cell Phone Number to Them, or a Prior Company of Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did You Ever Revoke Consent by Giving them Notice in Writing or Email Not to Call Your Cell Phone? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did They Continue to Call After You Revoked Consent? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Describe the Dates and Times of Each Call Made, as Substantial Damags Might be Available. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

ECOA

Is Any Borrower Identify as a Member of a Minority/Non-White Ethnic Group? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Rate Appear Higher than Market, Or Would you like to Perform a HMDA data analysis? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the HMDA data show that the original lender charged more for loans for tracts that were minority than non-minority? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Anti-Tying Act

Did the bank require that you buy any of its products as a condition to giving you the loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please explain if any products were tied to getting this loan (for example, also taking out a personal loan, or buying an account protection product). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

FDCPA

Were You Allegedly Behind in Payments When the Servicing Most Recently Changed Hands? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

FDCPA

Did Your Servicer Do Any of the Following? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

TILA

TILA

Are You Receiving Monthly Statements from Your Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
When Did You Receive the Last Monthly Statement (Not Escrow Review)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was the Refinance Closed in the Past 3 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Sec 34, 32, nominal damages, form resission, finance charge rescission, etc, also not sending statements, not providing payoff quote, signed outside presence, form blank, not given docs on date of closing, emailed docs day later, sign doc waiving right to rescind, payoff quote, not timely crediting payments

 

Did You Purchase Any Credit Life Insurance Product as Part of this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Identify the Life Insurance Product and Its Terms. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

FCRA

Do You Have a Copy of Your Credit Report that shows this Debt Being Reported Incorrectly? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Explain the Specific Errors on Your Report. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

National Consent Decrees

Identify any current decrees and whether conduct indicated in that decree is similar to the conduct underlying this foreclosure (leave blank if not applicable or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Prior FTC Violations

Original Lender Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Current Servicer Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Prior CFPB Violations

Original Lender Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Current Servicer Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Technical/Rule Based Defenses

Was the Note and Mortgage Attached to the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was an Account Statement Attached to the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Service of Process

Describe Any Problems or Failures Associated with Serving You a Copy of the Lawsuit (leave blank if none or unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Are You Legally Married? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was Your Spouse Also Named in the Lawsuit? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was the Treasurer's Office Also Named in the Lawsuit? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Were Your Tenants Named in the Lawsuit (Or John Doe, Tenant)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }

Cognovit

Is a Cognovit Provision Present? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Ensure All of The Following Were Followed {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Business Unfair and Deceptive Acts and Practices

Do Any of the Following Apply (RC 4165)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

State Specific UDAP Laws/Claims/Defenses

Please State Any State-Specific Claims or Defenses You Are Aware Here (leave blank if none or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Number of Times Foreclosure Has Been Filed {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Describe Any Final Factual Determinations in Any Prior Judgment Between You Both (preclusion)?  Leave blank if none or unsure. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please explain if they Have Ever Accepted Late or Partial Payments. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Please Explain if They Ever Waived a Payment or Told You They Would Waive a Payment and Include dates and times.  Leave blank if none. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please explain if you have ever offered a payment plan, short sale, or other means to repay the amount due and they refused. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Conditions Precedent

Mortgage Condition Precedent

Does the Mortgage Have a Paragraph that Requires Written Notice of the Default (check paragrahs 21 and 22)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did the Servicer Mail Out a Letter that Complies with paragraph 21/22 in the mortgage? Explain here. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Identify Any State Law Requirement Regarding Notice Prior to Foreclosing if it Impacts this Foreclosure (leave blank if unsure or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

FHA/VA Condition Precedent

Did Your Servicer Mail You a Booklet Called "How to Avoid Foreclosure"? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Your Servicer Attempt to Arrange a Face to Face Meeting with You? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does Your Mortgage Servicer Have an Office Within 200 Miles (search on google maps)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Explain Any Other FHA Issues, Including if Your Servicer Filed Foreclosure Before 3 Full Payments Were Due. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Bankruptcy

Have You Filed Bankruptcy in the Last 8 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did You Receive a Bankruptcy Discharge for this Debt (No Longer Must Repay)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is the Other Side Requesting a Monetary Judgment Against You Despite the Discharge? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Explain Any Violations of the Bankruptcy Stay or Injunctions. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Did You Ever Pay Mortgage Insurance (MI or PMI)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Additional Information

Is There Anything Else We Should Know About the Loan Servicing that We Should Know About (leave blank if no)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Is There Anything Else We Should Know or Additional Claims/Defenses You Believe Need Addressed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Please indicate the names and addresses of any person or entity who you belive may have information that needs to be obtained via subpeona (or leave blank if none/unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Have You Filed a CFPB Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Filed a Complaint with the Attorney General? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do You Feel Safe in Your Home? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Personal Financial information

What is the total amount owed on all car/auto/boat loans? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Student Loan Debt {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the total amount owed on all non-secured debt (credit cards, personal loans, etc)?  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the approximate amount you expect to earn this year in income from all sources (total including all retirement, before all deductions)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Are Your Sources of Income? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Non-Secured Debt to Income Ratio {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What Was the Financial Issue that Created the Foreclosure? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Is the Issue Now Resolved, or What Needs to Happen to Resolve it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Objectives

What Are Your Objectives? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Would You Consider Any of the Following to Resolve this Matter? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
The email has been sent.

Your progress has been saved.

{ binding firstError.message }

Foreclosure Defense Checklist

Foreclosure defense is such a complex area that it is helpful to have a comprehensive checklist to walk through for each matter. This checklist is designed with that purpose in mind.

This is a checklist that Doucet Gerling provides to its clients to walk through each possible defense.  It is not required, but is helpful for the firm. It enables you to input data surrounding a pending foreclosure to help us identify whether any particular issues warrant further investigation. While this is designed to cover most situations, you should review your individual situation with your attorney prior to proceeding to ensure all angles are covered.

This checklist does not cover state consumer protecton statutes because Ohio's CSPA does not apply to mortgage transactions. Completing this form does not create an attorney-client relationship, which only occurs through our written and signed agreements.

Client Information

Primary Client Name {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Primary Email {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Primary Phone {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Co-Client Name {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

This Checklist Will Take About 30 Minutes to Complete.

Skip Over Any Question that You Do not Understand or Cannot Answer.  Leave Those Blank. 

You May Find Gathering these Documents Helpful in Reviewing this Checklist, which You Should Also Email or Deliver to Your Lawyer. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Property Information

Subject Property Address {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Ownership Type on Loan Closing Date {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Property Type {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Relationship Type at Closing {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Current Property Residents {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Many Mortgages Are on this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Many Other Liens (Not Mortgages) Are on this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please identify any title related problems/issues (leave blank if not applicable or unknown): {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Is the Property Listed for Sale? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do You Have Plans to List/Considering Listing it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Property Debt Information

Who is Pursuing Foreclosure? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is their Name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What was the Financing Use for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Name of the Mortgage Servicer or Debt Buyer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Name of the Original Lender (e.g., on the Note)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is the Entity Pursuing Foreclosure the Same as the Original Lender? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the amount of your normal payments? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are You Behind on Other Debts Impacting this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Much Do They Claim is Past Due? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What's the Total Amount Owed to Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Approximate Amount of All Debts/Liens on this Property? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Approximate Property Value? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Loan Transaction

(Blank if Foreclosure is Not Loan Related)

Closing

How Much Money Did the Borrower Get from the Closing, if any?  (Leave blank if under $2,000) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Was the Money Used For? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was Either Borrower Instructed to Pre-Date or Post-Date any Document at Closing? (Leave Blank if No) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did a Mortgage Brokerage Company Obtain Financing for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Type of Loan Was This? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did this loan include mortgage insurance (MI)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
State Total Amount of Closing Costs including YSP (if known). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Original Loan Amount {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Cost of Loan as Percentage {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Higher Cost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What Fees Stand Out as Higher Cost, and Who Benefited From Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was this Loan Stated Income or Stated Asset? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Date Did this Loan Close? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Provide Any DTI Analysis of Actual Income at the Time to SISA/NINA Amounts Indicated in the Loan Documents. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
A 4506-T is Present, Meaning the Lender Had Access to Tax Returns. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Client Speak and Read English? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Additional Notes Regarding the Loan Closing or Underwriting. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Loan Transaction, Cont.

(Blank if Foreclosure is Not Loan Related.)

Loan Terms

What was the initial interest rate? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Higher Rate? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was the loan an Adjustable Rate Mortgage (ARM)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do You Want an Audit of the Adjustments (additional cost)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Are the Adjustment Periods (if known)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What was the Margin (if known)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Higher Cost Margin? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Is there evidence that a fixed rate was promissed (e.g., GFE)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
State Any Prepayment Penalty (leave blank if none/unsure) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Interest-Only or Negative Amoritization Features (leave blank if none or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Indentify Any Balloon Terms That Have Impacted this Loan or Foreclosure (leave blank if none or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Identify Any Unusual Issues In Light of the Client's Credit Scores at Closing. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Additional Notes Regarding the Loan Terms, Including Comments Regarding the TILA APR Disclosure. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Broker Information / Appraisal

Mortgage Broker

What Was the Loan Officer and Their Company's Name? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was the Mortgage Broker and Loan Officer Licensed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the total amount of their company's fees from the HUD-1 Settlement Statement (leave blank if unknown, otherwise estimate)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Higher Broker Commission? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
How did You Hear About the Mortgage Broker?  (e.g., came to door, cold called, referral, etc.).  Did anything unusual happen? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

A broker's bad actions can be imputed onto the lender via agency law.  The current holder can be liable for their conduct by not being a HIDC.

{ binding firstError.message }

Appraisal

Were the comps used within 12 months and georgraphically close? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Issues with the Appraisal Used (or leave blank if unsure/unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Litigation

Has a Lawsuit Been Filed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Litigation Details

What is the current status of the lawsuit/procedural posture? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
What is the Case Number? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Stage is the Lawsuit At? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
State or Federal Court? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
In What County/District? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Was the Lawsuit Filed in the County in Which the Property is Located? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is There a Demand for Reformation of the Mortgage or Deed in the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Identify the Nature of the Reformation Request. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is there a Need to Quiet Title? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Please Describe What Issues Need Quieted on Title. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Substantive Defenses/Claims

Were All Borrowers Over 65 When the Loan Closed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Did Any Borrower Finish High School? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
If you dispute the alleged deliquency, please state the reasons here (leave blank if none or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Prior Material Breach/Their Breach of Contract

Please Mark if Any of the Following Contract Issues Apply. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Itemize Any Fees Charged to Your Account that Appear Inflated or Incorrect.  (Leave blank if none, or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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State Any Issues/Problems You Noticed with the Account History/Statement. (Leave blank if none, or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Explain Any Broken Promisses, Contract Issue(s), or Evidence of Servicing Abuse (leave blank if none or unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did these Issues Arise Prior to the Other Side's Claim of Your Default? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Trash Out/Set Out

Has the Foreclosure Process Finished with the Deed Being Completely Transfered to a New Owner/Back to Lender? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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Please Indicate if They Changed the Locks or Removed Personal Items from the Property (leave blank if no/unknown/unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Describe any Instance of Their Tresspass (or leave blank if unsure or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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{ binding firstError.message }
Does the Original Transaction Appear Grossly Unfair or Unconscionable? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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{ binding firstError.message }

Unconscionability Analysis

Do Any of the Following Apply (Procedural Unconscionability) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do Any of the Following Apply (Substantive Unconscionability) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Has the Other Side Acted with Unclean Hands?  Leave blank if no or unsure. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Identify Any Special Undertakings or Special Circumstances by the Other Side that Might Create a Fiduciary Duty (or leave blank). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }

Statute of Limitations/Laches

Approximately How Many Years are you Behind in Payments on this Debt? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Over 6 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
Did a False or Misleading Statement by the Other Side (or its predecessors) Cause You Actual Loss or Injury? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Fraud

Identify the Representation/Statement Made. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Who Made the Statement? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
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What Documentary Evidence Is There of the Statement? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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How Was the Statement Material to the Transaction? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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{ binding firstError.message }
What Evidence Shows the Statement Was False? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Evidence Shows They Knowingly Made the False Statement, or Made it with Utter Disregard of the Truth? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Evidence Shows They Intended to Mislead the Client? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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How Was the Client's Reliance on the False Statement Justifiable? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What Was the Client's Proximate Injury Due to the False Statement? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
How Much is That Injury in Dollars? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }

Rights to Enforce Note

Would You Like to Analyze Note Enforceability?  (This only applies to loans and is complex.  Firm clients may ignore.) {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was a Loan Modification Ever Finalized for this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is the Note a Negotiable Instrument? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Non-Negotiable Instrument

Is the Name of the Lender on the First Page of the Note the Same as the Entity that is Now Claiming Note Ownership and Rights to Foreclose? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Contracts or Documents Purporting to Transfer Interest to the New Owner of the Note (directly or through multiple parties ending with the new owner)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does that Contract Include Language (in each transfer document) Show the Terms of the Transfer(s) (mutual assent) PLUS How Much Was Paid for the Transfer of the Note Ownership (consideration)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Indicate Any Additional Comments Here. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Negotiable Instrument

Is the Name of the Lender on the First Page of the Note the Same as the Entity that is Now Claiming Note Ownership and Rights to Foreclose? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Indorsements or Allonges with Indorsements Purporting to Transfer Interest to the New Owner of the Note (directly or through multiple parties ending with the new owner)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do Any of the Indorsements Appear to Be Made by Rubber Stamp or Not be Genuine? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Do Any Indorsements Appear on Allonges? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is There an Indication that the Note is Lost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Is There a Lost Note Affidavit, or Other Allegations Regarding the Circumstances of how the Note was lost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Affidavit State the New Owner was Entitled to Enforce it When it was Lost? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Affidavit State the New Owner Aquired the Note from the Person Who Lost it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Affidavit State the Loss was not the result of a transfer by the person or a lawful seizure {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the affidavit state the new owner cannot reasonably obtain possession of the instrument because the instrument was destroyed, its whereabouts cannot be determined, or it is in the wrongful possession of an unknown person or a person that cannot be found or is not amenable to service of process. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Indicate Any Additional Comments Here About the Note's Negotiability. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Securitization

Would you like to analyze your loan to determine whether it was part of a pool of loans that were securitized and sold to bond holders? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Has the bank or plaintiff alleged the owner is a trust (or do you know its name)?  For example: "U.S. Bank NA, successor trustee to Bank of America, successor to LaSalle Bank National Association, as trustee, on behalf of the trust of the Bear Stearns Asset Backed Securities I Trust 2004-HE5, Asset-Backed Certificates, Series 2004-HE5"? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Securitization

Go to:

https://www.sec.gov/edgar/searchedgar/companysearch.html

Search the name of the company named as trustee, then look for the particular trust.  Click on the one you want and open the document called Prospectus.

Open the Complete Submission File and click Ctrl+F on your keyboard to search for:

POOLING AND SERVICING AGREEMENT

Scroll down a little and find the Cutoff Date and Closing Date for this trust.

What is the Cut-Off Date for this Trust? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Closing Date for this Trust? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
What is the Date of Mortgage Transfer to this Trust on Any Assignment within the loan file or in the foreclosure complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Mortgage Transfer Before Cutoff Date? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Rights to Enforce Mortgage/Deed of Trust

Is there a Mortgage that You Would Like to Analyze? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

Mortgage Transfer(s)

Is the Name of the Lender on the First Page of the Mortgage the Same as the Entity that is Now Claiming Rights to Foreclose? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Mortgages Purporting to Transfer Interest to the New Owner of the Note (directly or through multiple parties ending with the new owner)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Mortgage Include Language that MERS is or was Involved? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are There Any Evident Issues Regarding the Chain of Mortgage/DOT Transfers (explain or leave blank if none/unsure)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Are you aware of any assignments of mortgage outside the foreclosure documentation?  (Leave blank if not sure or not applicable). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Mortgage Notarizations

Notarizations

Was Any Document Notarized Outside Your Presence when You Closed the Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Provide Details About What Was Notarized Outside Your Presence. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Did Either Borrower Sign the Mortgage on Behalf of the Other Borrower without (if applicable) at Closing? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was there a Power of Attorney (POA) to Sign for the Other? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Provide Details About What One Person Signed for the Other. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was the Notary Who Signed the Closing Documents Properly Licensed with a Current Stamp? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Address Any Issues Regarding Witnesses to the Mortgage Here (or leave blank if none/unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Was the Notary Who Signed the Mortgage Assignments Properly Licensed with a Valid Stamp? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }

Dower Rights re: Mortgage

Dowery Analysis

At Closing, Who Owned the Property (As Evidenced on the Deed)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
At Closing, Who Signed the Loan/Note? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
At Closing, Who Signed the Mortgage? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Married Spouses Own the Property at Closing, With Only One Spouse on the Loan, and the Other Spouse Signing the Mortgage Only to Waive Dower? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Any Additional Comments About Dowery Can Be Included Here (leave blank if none). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Federal Statutory

CARES Related Regulations

{ binding firstError.message }

RESPA

ABA,  forced placed insurance,  notice of servicing transfers, how to do one of these, 4 months behind

Was the Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) Provided at Loan Origination? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are You Aware of Any Kickbacks Paid/Received to Others When Your Loan Closed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Explain any Kickbacks, Including Evidence You Have. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Have You Written a Letter to Your Servicer Requesting Information? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did it Respond With the Information? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Written a Letter to Your Servicer Notifying it of an Error and Requesting a Correction? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did it Respond by Correcting the Error or Explaining Why it Was not an Error? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did it Charge You to Investigate the Error? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Your Servicer Notified You When the Servicing Changed to a New Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Identify Any Escrow Issues or Errors Impacting the Foreclosure (leave blank if none/unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

RESPA Mortgage Servicing

Is this Loan a HELOC or Reverse Mortgage? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

RESPA Servicing

Was Your Loan At Least 120 Days Past Due on the Date the Foreclosure Started? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Contacted Your Mortgage Servicer to See What Options it Has to Help in the Past 3 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did Your Servicer Provide You an Application for Help in Response to Your Request? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Have You Filled Out a Loss Mitigation Application and Sent it Into Your Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Did Your Servicer Respond to your FIRST Request for Help? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
How Long Did it Take Your Servicer to Respond? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
While Your Servicer Was Reviewing Your Completed Application, did It Do Anything to Move Forward with Foreclosure? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please Describe How Your Servicer Moved Forward with Foreclosure (Dual Tracking). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Describe Any Ways in Which Your Servicer Botched Your Request for Help (including not using reasonable dilligence). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
Did You Appeal the Decision? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Describe Your Seriver's Response to Your Appeal. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

SCRA

Have You Ever Served in the Military? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did You Obtain this Loan Prior to Enlisting? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Has Your Interest Rate Ever Been Above 6%? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Are You Currently Serving in the Military? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Has the Servicer Notified the Court? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
{ binding firstError.message }
Has the Other Side Ever Called Your Cell Phone with a PreRecorded Voice or with an AutoDialer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

TCPA

Did You Ever Give Your Cell Phone Number to Them, or a Prior Company of Them? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did You Ever Revoke Consent by Giving them Notice in Writing or Email Not to Call Your Cell Phone? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Did They Continue to Call After You Revoked Consent? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Describe the Dates and Times of Each Call Made, as Substantial Damags Might be Available. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

ECOA

Is Any Borrower Identify as a Member of a Minority/Non-White Ethnic Group? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the Rate Appear Higher than Market, Or Would you like to Perform a HMDA data analysis? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Does the HMDA data show that the original lender charged more for loans for tracts that were minority than non-minority? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

Anti-Tying Act

Did the bank require that you buy any of its products as a condition to giving you the loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Please explain if any products were tied to getting this loan (for example, also taking out a personal loan, or buying an account protection product). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

FDCPA

Were You Allegedly Behind in Payments When the Servicing Most Recently Changed Hands? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }

FDCPA

Did Your Servicer Do Any of the Following? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }
{ binding firstError.message }

TILA

TILA

Are You Receiving Monthly Statements from Your Servicer? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
When Did You Receive the Last Monthly Statement (Not Escrow Review)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
{binding displayValue}
{ binding firstError.message }
Was the Refinance Closed in the Past 3 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Sec 34, 32, nominal damages, form resission, finance charge rescission, etc, also not sending statements, not providing payoff quote, signed outside presence, form blank, not given docs on date of closing, emailed docs day later, sign doc waiving right to rescind, payoff quote, not timely crediting payments

 

Did You Purchase Any Credit Life Insurance Product as Part of this Loan? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Identify the Life Insurance Product and Its Terms. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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FCRA

Do You Have a Copy of Your Credit Report that shows this Debt Being Reported Incorrectly? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Explain the Specific Errors on Your Report. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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National Consent Decrees

Identify any current decrees and whether conduct indicated in that decree is similar to the conduct underlying this foreclosure (leave blank if not applicable or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Prior FTC Violations

Original Lender Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Current Servicer Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Prior CFPB Violations

Original Lender Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Current Servicer Rulings {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Technical/Rule Based Defenses

Was the Note and Mortgage Attached to the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was an Account Statement Attached to the Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Service of Process

Describe Any Problems or Failures Associated with Serving You a Copy of the Lawsuit (leave blank if none or unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Are You Legally Married? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was Your Spouse Also Named in the Lawsuit? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Was the Treasurer's Office Also Named in the Lawsuit? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Were Your Tenants Named in the Lawsuit (Or John Doe, Tenant)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Cognovit

Is a Cognovit Provision Present? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Ensure All of The Following Were Followed {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Business Unfair and Deceptive Acts and Practices

Do Any of the Following Apply (RC 4165)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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State Specific UDAP Laws/Claims/Defenses

Please State Any State-Specific Claims or Defenses You Are Aware Here (leave blank if none or if unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Number of Times Foreclosure Has Been Filed {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Describe Any Final Factual Determinations in Any Prior Judgment Between You Both (preclusion)?  Leave blank if none or unsure. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please explain if they Have Ever Accepted Late or Partial Payments. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please Explain if They Ever Waived a Payment or Told You They Would Waive a Payment and Include dates and times.  Leave blank if none. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please explain if you have ever offered a payment plan, short sale, or other means to repay the amount due and they refused. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Conditions Precedent

Mortgage Condition Precedent

Does the Mortgage Have a Paragraph that Requires Written Notice of the Default (check paragrahs 21 and 22)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did the Servicer Mail Out a Letter that Complies with paragraph 21/22 in the mortgage? Explain here. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Identify Any State Law Requirement Regarding Notice Prior to Foreclosing if it Impacts this Foreclosure (leave blank if unsure or unknown). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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FHA/VA Condition Precedent

Did Your Servicer Mail You a Booklet Called "How to Avoid Foreclosure"? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did Your Servicer Attempt to Arrange a Face to Face Meeting with You? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Does Your Mortgage Servicer Have an Office Within 200 Miles (search on google maps)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Explain Any Other FHA Issues, Including if Your Servicer Filed Foreclosure Before 3 Full Payments Were Due. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Bankruptcy

Have You Filed Bankruptcy in the Last 8 Years? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did You Receive a Bankruptcy Discharge for this Debt (No Longer Must Repay)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is the Other Side Requesting a Monetary Judgment Against You Despite the Discharge? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Explain Any Violations of the Bankruptcy Stay or Injunctions. {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Did You Ever Pay Mortgage Insurance (MI or PMI)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Additional Information

Is There Anything Else We Should Know About the Loan Servicing that We Should Know About (leave blank if no)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is There Anything Else We Should Know or Additional Claims/Defenses You Believe Need Addressed? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Please indicate the names and addresses of any person or entity who you belive may have information that needs to be obtained via subpeona (or leave blank if none/unsure). {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Filed a CFPB Complaint? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Have You Filed a Complaint with the Attorney General? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Do You Feel Safe in Your Home? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Personal Financial information

What is the total amount owed on all car/auto/boat loans? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Student Loan Debt {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What is the total amount owed on all non-secured debt (credit cards, personal loans, etc)?  {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What is the approximate amount you expect to earn this year in income from all sources (total including all retirement, before all deductions)? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Are Your Sources of Income? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Non-Secured Debt to Income Ratio {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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What Was the Financial Issue that Created the Foreclosure? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Is the Issue Now Resolved, or What Needs to Happen to Resolve it? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Objectives

What Are Your Objectives? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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Would You Consider Any of the Following to Resolve this Matter? {{ Cognito.resources["required-asterisk"] }} , { binding firstError.message }
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