If you believe that you may be a victim of predatory lending, having a comprehensive audit performed on your mortgage is an absolute necessity. So pay close attention to what I'm about to tell you, because I know money may be tight and time may be running out.
Cost of comprehensive mortgage audit: $400
I'm addressing the cost right up front because if you are already scrambling to make ends meet, you will want to make a cost-benefit analysis on the front end and figure out fast if this is something you want to pursue.
It costs $400 to have a comprehensive audit performed on your mortgage. There are actually two parts to an audit.
Mortgage Origination
The first phase focuses on the mortgage origination phase of the transaction. This is where the majority of federal law violations are detected.
Mortgage Servicing
The second phase of the audit focuses on the mortgage servicing-side of the transaction. Both parts are necessary in order to deliver an accurate audit for the homeowner.
Why $400?
Because that's how much it costs to deliver this service to you.
This is a labor-intensive process that requires trained auditors to sort through the hundreds of pages of documents you will be providing to our audit team for careful review.
Who's doing the auditing?
Let me tell you about who is doing the auditing: Our audit strategies and methodologies were created by Dr. Gary Lacefield, a former Senior Civil Rights Analyst, Investigator, and Conciliator for HUD: The Department of Housing & Urban Development from 1991-99.
We're pretty confident about Dr. Lacefield's ability to spot a predatory loan, which is why we engaged his services:
Dr. Lacefield negotiated the twelve largest civil rights settlements in history, involving housing providers versus HUD (The Department of Housing & Urban Development).
As Supervisor of Lending Investigations for HUD over a 10-state region, Dr. Lacefield was responsible for investigating national lending cases. He personally negotiated and drafted the six largest lending settlement agreements in HUD Civil Rights history, totaling over $10 billion.
Dr. Lacefield's auditing team will deliver a comprehensive forensic audit that will tell you if you were placed in a loan that you were not qualified to repay.
And they'll do it within 10 business-days of receiving all of the documents needed to complete your audit.
Nothing can happen unless and until an audit is completed by our team of experts. Once the audit is completed and in your hands, you'll have a clearer understanding of what your next step needs to be, as well as what your options are. Knowledge really is power.
You've gotta case! Now what do you do?
The audit results come in and yes, you've gotta case: Now what do you do?
There are three paths to take if your audit results indicates that you are in fact, a victim of predatory lending.
Choice C: File a complaint with HUD
Your first choice will cost you nothing: Take your audit results and file a complaint with HUD on your own.
Keep in mind you're not going to be the only complaint filed with HUD.and while it's a free process, the time that it will take to get anything of substance done on your behalf may be much longer than you're willing to wait. But it's free.
Choice B: Hire an attorney and file a lawsuit.
Then there's Choice B: Hire an attorney and file a lawsuit on your own.
Thanks to the results of your audit, you'll be able to provide your attorney with the best road map for representing you. The downside is that it'll be extremely difficult to find an attorney who's willing to take your case on a contingency basis, meaning they only get paid when and if they work out a settlement or win a lawsuit on your behalf.
More likely, if you can find an attorney to represent you who is qualified to take your case, you will be asked to pay a substantial retainer fee up front and, thereafter, the attorney's fees at his or her hourly rate.
Choice A: Retain VoidMyMortgage.com's attorneys!
Choice A? Retain VoidMyMortgage.com's legal team to represent you. Because we have devised a strategy and retained the expertise necessary to pursue predatory lending cases for victims on a larger scale, we think this choice makes the most sense.
No fee unless they settle your case to your satisfaction.
Look, we know money's tight. That's why no fee is owed unless and until a settlement is reached on your behalf and even then, our fee will be passed
on to those companies or individuals who violated your rights that are protected by federal law.
$400 is your total 'at risk' investment.
Your total 'at risk' investment is only $400. No strings or hidden fees.
We don't play those games, but we will represent you on a best efforts basis and will work to try to restructure your mortgage to your satisfaction.
Do your homework up front.
We don't want you to spend $400 on an audit on a whim and a prayer. It's important that you spend time in the "Are You A Victim?" section to see if it's worth investing the money, time and effort to pursue this course of action.
You've got to take responsibility for self-diagnosing your situation up front before spending any money with our auditing team.
We are not credit counselors, either!
Understand that VoidMyMortgage.com is not, in any way, shape or form, a credit counseling service. That's not what we do and that's not what you're
signing up for.
Education.
Our first goal is to educate you about your rights and options.
Audit your mortgage.
Our second goal is to give you a way to find out-beyond a shadow of a doubt-if you're a victim of predatory lending. Accomplishing this through the comprehensive mortgage audit discussed in greater detail on this website.
Remedies and reparations.
And finally, if you do have a case, we want to put you in a position to pursue those companies or individuals guilty of violating your rights. Our team of forensic accountants, auditors and attorneys will do their best to make sure justice is served, and work towards restructuring your mortgage to your maximum benefit.
Ready to go to work?
If you're ready to begin the mortgage auditing process, click here.
