MORTGAGE RIGHTS
How to Protect Yourself Example Notice of Error This example comes from the Consumer Financial Protection Bureau website. NOTE: The example just shows the mortgage servicer's address. You MUST send the letter to the address the servicer has specified for inquiries and Qualified Written Requests!  Date: To: [Your mortgage servicer Your mortgage servicer’s address] From: [Your full name Your street address Your city, state, and ZIP Code] Re: Error Resolution Notice under 12 C.F.R. §1024.35 Mortgage Loan Number: [Your loan number] I am writing to request correction of the error described below in regard to the mortgage on my property at [Your home address]. [INSTRUCTIONS: Provide a full description of the error. You may adapt the sample language for some common servicing errors, provided below, or write your own description. Delete the sample language for errors that don’t apply. Please note that this is not a complete list of all possible errors, such as errors regarding your servicer’s failure to provide accurate information about loss mitigation options, foreclosure, or transfers of the servicing of your loans; your servicer’s foreclosure activity against you that may violate the rules; or any other error relating to the servicing of your loan. Your servicer may have obligations to respond to your letter even if it is not as detailed as the model below, but including these details will increase the chances that your servicer will be able to investigate your issue and respond quickly.] Payment Errors: Your company rejected the full payment I made on [Date] in the amount of [X dollars]. [If this was not equal to your regularly scheduled payment, explain why.] Your company did not properly credit the payment that I made on [Date] in the amount of [X dollars]. This payment should have been credited to: [Tell the servicer how the payment should have been credited to principal, interest, escrow, or other charges .] Your company failed to credit the payment I made on [Date] as of the date of receipt. Escrow Errors: I have been notified by [Source of information, e.g., taxing authority, homeowner’s insurance company] that your company failed to pay the following expenses from my escrow account: Property taxes: [Include amount and date due. Include evidence, if available.] Insurance premiums: [Include type of insurance, name of insurance company, account number, amount, and date due. Include evidence, if available.] Other charges: [Be specific.] I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. [Include evidence or describe why you believe you are entitled to excess escrow funds.] Fee Errors: Your company incorrectly imposed a [Describe type of fee – late fee or other] on [Date] in the amount of [X dollars]. [Describe or include evidence that you have been charged this fee.] Payoff Errors: Your company failed to provide an accurate mortgage payoff balance that I requested on [Date]. If you need to contact me, I can be reached at [Include the best contact information, which may be your home address, work or mobile phone, or email address.] Sincerely, [Your name Co-borrower’s name]
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 MORTGAGE RIGHTS
The site does not provide legal advice. Neither Susan LaCava nor her law firm, LaCava Law, S.C., represent you until there is a signed retainer agreement.
How to Protect Yourself Example Notice of Error This example comes from the Consumer Financial Protection Bureau website. NOTE: The example just shows the mortgage servicer's address. You MUST send the letter to the address the servicer has specified for inquiries and Qualified Written Requests!  Date: To: [Your mortgage servicer Your mortgage servicer’s address] From: [Your full name Your street address Your city, state, and ZIP Code] Re: Error Resolution Notice under 12 C.F.R. §1024.35 Mortgage Loan Number: [Your loan number] I am writing to request correction of the error described below in regard to the mortgage on my property at [Your home address]. [INSTRUCTIONS: Provide a full description of the error. You may adapt the sample language for some common servicing errors, provided below, or write your own description. Delete the sample language for errors that don’t apply. Please note that this is not a complete list of all possible errors, such as errors regarding your servicer’s failure to provide accurate information about loss mitigation options, foreclosure, or transfers of the servicing of your loans; your servicer’s foreclosure activity against you that may violate the rules; or any other error relating to the servicing of your loan. Your servicer may have obligations to respond to your letter even if it is not as detailed as the model below, but including these details will increase the chances that your servicer will be able to investigate your issue and respond quickly.] Payment Errors: Your company rejected the full payment I made on [Date] in the amount of [X dollars]. [If this was not equal to your regularly scheduled payment, explain why.] Your company did not properly credit the payment that I made on [Date] in the amount of [X dollars]. This payment should have been credited to: [Tell the servicer how the payment should have been credited to principal, interest, escrow, or other charges .] Your company failed to credit the payment I made on [Date] as of the date of receipt. Escrow Errors: I have been notified by [Source of information, e.g., taxing authority, homeowner’s insurance company] that your company failed to pay the following expenses from my escrow account: Property taxes: [Include amount and date due. Include evidence, if available.] Insurance premiums: [Include type of insurance, name of insurance company, account number, amount, and date due. Include evidence, if available.] Other charges: [Be specific.] I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. [Include evidence or describe why you believe you are entitled to excess escrow funds.] Fee Errors: Your company incorrectly imposed a [Describe type of fee – late fee or other] on [Date] in the amount of [X dollars]. [Describe or include evidence that you have been charged this fee.] Payoff Errors: Your company failed to provide an accurate mortgage payoff balance that I requested on [Date]. If you need to contact me, I can be reached at [Include the best contact information, which may be your home address, work or mobile phone, or email address.] Sincerely, [Your name Co-borrower’s name]
 MORTGAGE RIGHTS
 MORTGAGE RIGHTS
The site does not provide legal advice. Neither Susan LaCava nor her law firm, LaCava Law, S.C., represent you until there is a signed retainer agreement.
How to Protect Yourself Example Notice of Error This example comes from the Consumer Financial Protection Bureau website. NOTE: The example just shows the mortgage servicer's address. You MUST send the letter to the address the servicer has specified for inquiries and Qualified Written Requests!  Date: To: [Your mortgage servicer Your mortgage servicer’s address] From: [Your full name Your street address Your city, state, and ZIP Code] Re: Error Resolution Notice under 12 C.F.R. §1024.35 Mortgage Loan Number: [Your loan number] I am writing to request correction of the error described below in regard to the mortgage on my property at [Your home address]. [INSTRUCTIONS: Provide a full description of the error. You may adapt the sample language for some common servicing errors, provided below, or write your own description. Delete the sample language for errors that don’t apply. Please note that this is not a complete list of all possible errors, such as errors regarding your servicer’s failure to provide accurate information about loss mitigation options, foreclosure, or transfers of the servicing of your loans; your servicer’s foreclosure activity against you that may violate the rules; or any other error relating to the servicing of your loan. Your servicer may have obligations to respond to your letter even if it is not as detailed as the model below, but including these details will increase the chances that your servicer will be able to investigate your issue and respond quickly.] Payment Errors: Your company rejected the full payment I made on [Date] in the amount of [X dollars]. [If this was not equal to your regularly scheduled payment, explain why.] Your company did not properly credit the payment that I made on [Date] in the amount of [X dollars]. This payment should have been credited to: [Tell the servicer how the payment should have been credited to principal, interest, escrow, or other charges .] Your company failed to credit the payment I made on [Date] as of the date of receipt. Escrow Errors: I have been notified by [Source of information, e.g., taxing authority, homeowner’s insurance company] that your company failed to pay the following expenses from my escrow account: Property taxes: [Include amount and date due. Include evidence, if available.] Insurance premiums: [Include type of insurance, name of insurance company, account number, amount, and date due. Include evidence, if available.] Other charges: [Be specific.] I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. [Include evidence or describe why you believe you are entitled to excess escrow funds.] Fee Errors: Your company incorrectly imposed a [Describe type of fee – late fee or other] on [Date] in the amount of [X dollars]. [Describe or include evidence that you have been charged this fee.] Payoff Errors: Your company failed to provide an accurate mortgage payoff balance that I requested on [Date]. If you need to contact me, I can be reached at [Include the best contact information, which may be your home address, work or mobile phone, or email address.] Sincerely, [Your name Co-borrower’s name]
 MORTGAGE RIGHTS
 MORTGAGE RIGHTS
The site does not provide legal advice. Neither Susan LaCava nor her law firm, LaCava Law, S.C., represent you until there is a signed retainer agreement.
How to Protect Yourself Example Notice of Error This example comes from the Consumer Financial Protection Bureau website. NOTE: The example just shows the mortgage servicer's address. You MUST send the letter to the address the servicer has specified for inquiries and Qualified Written Requests!  Date: To: [Your mortgage servicer Your mortgage servicer’s address] From: [Your full name Your street address Your city, state, and ZIP Code] Re: Error Resolution Notice under 12 C.F.R. §1024.35 Mortgage Loan Number: [Your loan number] I am writing to request correction of the error described below in regard to the mortgage on my property at [Your home address]. [INSTRUCTIONS: Provide a full description of the error. You may adapt the sample language for some common servicing errors, provided below, or write your own description. Delete the sample language for errors that don’t apply. Please note that this is not a complete list of all possible errors, such as errors regarding your servicer’s failure to provide accurate information about loss mitigation options, foreclosure, or transfers of the servicing of your loans; your servicer’s foreclosure activity against you that may violate the rules; or any other error relating to the servicing of your loan. Your servicer may have obligations to respond to your letter even if it is not as detailed as the model below, but including these details will increase the chances that your servicer will be able to investigate your issue and respond quickly.] Payment Errors: Your company rejected the full payment I made on [Date] in the amount of [X dollars]. [If this was not equal to your regularly scheduled payment, explain why.] Your company did not properly credit the payment that I made on [Date] in the amount of [X dollars]. This payment should have been credited to: [Tell the servicer how the payment should have been credited to principal, interest, escrow, or other charges .] Your company failed to credit the payment I made on [Date] as of the date of receipt. Escrow Errors: I have been notified by [Source of information, e.g., taxing authority, homeowner’s insurance company] that your company failed to pay the following expenses from my escrow account: Property taxes: [Include amount and date due. Include evidence, if available.] Insurance premiums: [Include type of insurance, name of insurance company, account number, amount, and date due. Include evidence, if available.] Other charges: [Be specific.] I believe that I am entitled to a refund of excess funds in my escrow account and I have not received them. [Include evidence or describe why you believe you are entitled to excess escrow funds.] Fee Errors: Your company incorrectly imposed a [Describe type of fee – late fee or other] on [Date] in the amount of [X dollars]. [Describe or include evidence that you have been charged this fee.] Payoff Errors: Your company failed to provide an accurate mortgage payoff balance that I requested on [Date]. If you need to contact me, I can be reached at [Include the best contact information, which may be your home address, work or mobile phone, or email address.] Sincerely, [Your name Co-borrower’s name]
 MORTGAGE RIGHTS
The site does not provide legal advice. Neither Susan LaCava nor her law firm, LaCava Law, S.C., represent you until there is a signed retainer agreement.  MORTGAGE RIGHTS