Most people skip an important administrative step that locks in the evasive answers of banks, servicers and lawyers for “trustees.” We offer a customized Complaint to your State’s Attorney General Complaints(AGC) and the Consumer Financial Protection Bureau (CFBP) challenging the parties seeking to collect, enforce or foreclose using the note and mortgage. The prerequisite is our TERA report or the equivalent, and responses to questions that the recipient(s) of your QWR and DVL fail to adequately address. If you get the Case Analysis the Cfpb complaint will cite to “answers” that conflict with other information (Statements and correspondence) from the same source. The AG and CFBP required the investigated party(ies) to respond. Lying to you (response to QWR or DVL) is not necessarily a crime. But lying to law enforcement is another story. The response will usually contain conflicting and inconsistent statements that may serve as additional evidence of a pending or post wrongful foreclosure action.

It is critical that the narrative of these Complaints do not unintentionally admit to something against your interest thus requiring the homeowner to seek out competent advice from people like the LendingLies Team who do proper investigation, research and have essential understanding of the process known as “securitization”, the role of derivatives, and the law and practice as it relates to mortgages, deeds of trust, promissory notes, the investment banking industry and the lending industry.

For further information, please visit Neil Garfield’s LivingLies Blog: Cfpb Complaint: Prohibition of Unfair, Deceptive, or Abusive Acts in the Collection of Consumer Debts.