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some guidance outside the scope of your three questions. Remember that all issues discussed should be referred to your local counsel before you make any decision or take any action. In fact it is advisable to have your local counsel on the CONSULT call.

Getting our TERA service beforehand will help focus the CONSULT to your specific case. You might also enhance the benefit by ordering a Preliminary Document Review where he looks at unrecorded documents. Here are just some sample questions that are frequently asked, in no particular order:

  • How likely is it that I will lose my home?
  • What can I do about it?
  • How can I settle or modify?
  • What are my chances of success if I do something now?

Neil will share his thoughts on your specific case in a recorded CONSULTATION. You will receive the audio file and you can have it transcribed into a word document to cut and paste into pleadings, motions, and memoranda.”

Get The Most Out Of Your Private Consult with Neil

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Ask Neil Garfield A Question

Yes! You Can Ask a Question!

If you have a question about one of our services or products,

email us. . . it’s free!

if you have already had a consult or already ordered and received a TERA, you might have a remaining question about which you need clarification. Please keep in mind that your question is limited to one and must not require a review of any documents in order for Mr. Garfield to adequately answer your question. Your question will be answered by Neil Garfield as thoroughly as possible – usually within 24 hours of receipt. Keep in mind that questions with multiple subparts will not be answered within the scope of this service. For that you need a consult and probably at least a Preliminary Document Review (PDR or PDR+). Upon completion of checkout, you will be redirected to a form where you will submit your question. If you are unsure about how to phrase your question, below are some examples that you can use as a guide.

Please take note that the question and answer are for general information and should never be used as a substitute for legal advice from an attorney licensed to practice in the jurisdiction in which your case is located.

Price: $24.99

Commonly Asked Questions

  1. What is the main strategy that gets traction in the courts for homeowners?
  2. What is the difference between a subpoena and a notice of taking deposition?
  3. Do homeowners win foreclosure cases?
  4. When should I send a Qualified Written Request (QWR)?
  5. When should I send a Debt Validation Letter (DVL)?
  6. What’s the point of sending a Qualified Written Request or Debt Validation Letter?
  7. When should I send complaints to my state’s Attorney General and the Consumer Financial Protection Board?
  8. Why is a TERA report necessary? What can I do with it?
  9. How do I deal with a servicer who is misapplying my payments?
  10. Do REMIC Trusts actually own the loans?
  11. How do determine the identity of the obligee (creditor) for my debt?
  12. Is “holder of the note” the same as owner of the debt?
  13. Generally, who are the entities that have a financial interest in my debt?
  14. How do I determine the validity of the “credit bid” at foreclosure sale?
  15. If the notary is false, forged, invalid or fabricated doesn’t that invalidate the instrument?