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We Resolve Disputes and Get Results
Mortgage servicers are required to account for and apply your payments in accordance with the terms of the mortgage, and state and federal law. Sometimes mistakes happen. But when they do, they must be acknowledged and corrected immediately, before they cost you money or impact your credit rating. Mistakes often arise in the application of payments, calculation of law fees and collection of escrow money. Homeowners can alert their mortgage servicers by making a Qualified Written Request, explaining the nature of the error and a request that it be corrected. Mortgage servicers are required to acknowledge receipt of a QWR within five business days and must respond in writing within 30 days either having corrected the mistake, or explaining why there was none. When a legitimate request to correct a mistake is disregarded or ignored, that is where we come in. We advocate for our clients forcefully to ensure mortgage servicing errors are corrected and, when they are not, we will bring claims and obtain judgments for consumer protection violations in Massachusetts courts. If you are having difficulty with a mortgage servicer mishandling your monthly payments or escrow account, call us today for a free consultation.