MORTGAGE RIGHTS
Challenging the Amount Due The Online and Printed Histories Do Not Match
Some servicers offer online access to accounts. Do not assume that the online account history will be the same as a printed account history that you obtain from the servicer. In this example, the clients, Beth and Michael, obtained a spreadsheet of their account from the servicer's website, and compared it to an Account History provided by the servicer. The printout's and the spreadsheet accounting for a payment of $3,000 made on 2/29/2008 are wildly different. During discovery, you should always ask for ALL account records, including 'pencil" records. Some account executives keep their own account histories, and they may not be accurate. The illustration is also an example of how to make the point that the versions are not the same. If we had simply given the judge pages from the different account histories, he may have had difficulty spotting the mistakes. If you are worried about your credibility, you can attach the pages from the different account histories to your illustration. We beat the servicer over the head with these differing versions as evidence that it must have kept two sets of books.
NEXT: Introduction to Account Histories
 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.
Challenging the Amount Due The Online and Printed Histories Do Not Match Some servicers offer online access to accounts. Do not assume that the online account history will be the same as a printed account history that you obtain from the servicer. In this example, the clients, Beth and Michael, obtained a spreadsheet of their account from the servicer's website, and compared it to an Account History provided by the servicer. The printout's and the spreadsheet accounting for a payment of $3,000 made on 2/29/2008 are wildly different. During discovery, you should always ask for ALL account records, including 'pencil" records. Some account executives keep their own account histories, and they may not be accurate. The illustration is also an example of how to make the point that the versions are not the same. If we had simply given the judge pages from the different account histories, he may have had difficulty spotting the mistakes. If you are worried about your credibility, you can attach the pages from the different account histories to your illustration. We beat the servicer over the head with these differing versions as evidence that it must have kept two sets of books.
 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.
Challenging the Amount Due The Online and Printed Histories Do Not Match Some servicers offer online access to accounts. Do not assume that the online account history will be the same as a printed account history that you obtain from the servicer. In this example, the clients, Beth and Michael, obtained a spreadsheet of their account from the servicer's website, and compared it to an Account History provided by the servicer. The printout's and the spreadsheet accounting for a payment of $3,000 made on 2/29/2008 are wildly different. During discovery, you should always ask for ALL account records, including 'pencil" records. Some account executives keep their own account histories, and they may not be accurate. The illustration is also an example of how to make the point that the versions are not the same. If we had simply given the judge pages from the different account histories, he may have had difficulty spotting the mistakes. If you are worried about your credibility, you can attach the pages from the different account histories to your illustration. We beat the servicer over the head with these differing versions as evidence that it must have kept two sets of books.
 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.
Challenging the Amount Due The Online and Printed Histories Do Not Match Some servicers offer online access to accounts. Do not assume that the online account history will be the same as a printed account history that you obtain from the servicer. In this example, the clients, Beth and Michael, obtained a spreadsheet of their account from the servicer's website, and compared it to an Account History provided by the servicer. The printout's and the spreadsheet accounting for a payment of $3,000 made on 2/29/2008 are wildly different. During discovery, you should always ask for ALL account records, including 'pencil" records. Some account executives keep their own account histories, and they may not be accurate. The illustration is also an example of how to make the point that the versions are not the same. If we had simply given the judge pages from the different account histories, he may have had difficulty spotting the mistakes. If you are worried about your credibility, you can attach the pages from the different account histories to your illustration. We beat the servicer over the head with these differing versions as evidence that it must have kept two sets of books.
 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