Lawyers & Pro Se Litigants
THE ADMINISTRATIVE STRATEGY
This is the ADMINISTRATIVE STRATEGY: First the questions, then the complaint and finally the follow up complaint. Includes without charge a copy of the title report and a 30 minute CONSULT with Neil.
Part 1 QWR and DVL
Part 2 Complaints to CFPB and State AG
Part 3 Follow-up complaints to CFPB and State AG
Part 4 (Optional) lawsuit alleging violations of RESPA, FDCPA
Administrative complaints are more likely than litigation to produce early settlements although litigation strategies will often produce better settlements and modifications. Questions are posed via QWR and DVL. Complaints are made to the CFPB and State AG.
The Qualified Written Request (QWR) under the Real Estate Settlement and Procedures Act (RESPA) together with the Debt Validation Letter (DVL) under the Federal Debt Collectors Procedures Act (FDCPA) is the starting point, asking pointed questions relating to the debt.
When correctly written they require response from servicers and parties claiming to be lenders or successors. After sending the QWR and DVL and receiving the responses we analyze their response and draft complaints for you to send to your State AG -Attorney General and the CFPB -Consumer Financial Protection Board. Again they must respond.