Mortgage Violation Recovery System





Attention: Did Your Bank/Lender Lose Your Documents, Delay Processing Your Requests, Bait & Switch Your Terms, Lie to You and Cause You to Lose Your Home to Foreclosure?

Your Bank May Owe You Money Due to Their Incompetence. This Could Apply To You.

If you attempted a Loan Modification within the past 5 years, a Short Sale within the past 2 years, tried a Workout Program or gave back the Bank/Lender your home, via a Deed-in-Lieu within the past 2 years, you may be entitled to a Financial Settlement from your Bank or Lender regardless whether your attempt was successful or not.

It is Time to Get PAID What You Deserve!


 What is this about?

This is a program that could pay you for violations your Bank, Lender or Mortgage servicer may have made when you attempted any form of Loss Mitigation or tried to save your home from Foreclosure. There is a little known Government Act that outlines service and response metrics that the Banks and Lenders must adhere to when they process the Loss Mitigation requests. If they do not comply, the Act states that the homeowner is entitled to financial compensation as the Bank/Lender is penalized for those violations.


Does this apply to me?

It applies to anyone who attempted a Loan Modification, tried a Workout Program with the Bank/Lender, did a Short Sale or gave the property back with a Deed-in-Lieu.

However, it is time sensitive:

For Short Sales, any attempt made over the past 2 ½ years may apply, whether the Short Sale was successful or not.

For Loan Modifications, any attempt over the past 5 years may apply, whether the Loan Modification was successful or not (if you still reside in the property).

Workout Programs and Deed-in-Lieu attempts over the past 2 ½ years apply.

How does it work?

We affiliated with an Audit and Law firm who will review your file and any correspondence you had with your Bank/Lender/Servicer. In fact, they will obtain some of this information from your Lender (with your permission) and analyze the file. If they find any violations, then they will purse legal action, on your behalf, in order to obtain the settlement.

I sold my home with a Short Sale within the past 2 ½ years. Can I still try this?

Yes, it does not matter whether your outcome was successful or not. We still can review your file to see if any violations were committed when the Bank/Lender processed your Short Sale.

What if I am currently working through a Short Sale on my property?

Yes, we recommend that you contact us and we can start this process immediately. It will not affect your current Short Sale process.

My Lender and I worked out a Loan Modification and I have a new payment plan. Will this affect that?

No, it will not affect anything going forward. This is a program to go back in time and see if the Banks and Lenders committed any violations on your file. Whether or not you have a working Loan Modification does not absolve your Lender from violations they may have made on your loan/file.

What if I lost my home to Foreclosure?

That is OK. Again, as long as you attempted some form of Loss Mitigation and your attempts fit within the time frames allowed, a claim can be pursued on your behalf.

I am behind on my Mortgage right now. What should I do?

Please contact us as soon as possible, so we can recommend and solution to prevent a Foreclosure. You need to attempt a Loan Modification or Short Sale in order to have something to eventually litigate against in order to collect the potential violations. You will receive a notice to start the Foreclosure process in the near future.

I received a Foreclosure Notice in the Mail. What should I do?

Same answer. Please contact us as soon as possible, so we can recommend and solution to prevent a Foreclosure. You need to attempt a Loan Modification or Short Sale in order to have something to eventually litigate against in order to collect the potential violations. A Short Sale is more beneficial when trying to stop a Foreclosure.

I am far along in the Foreclosure process. Does this program apply to me?

If you are currently facing Foreclosure and far along in the process, you will need to attempt some form of Loss Mitigation (Short Sale, Loan Modification, etc.) in order to have the ability to submit a potential claim in the future (and to possibly postpone or stop the sale). Please contact us directly so we can review your situation and see how we can help you accomplish that.

My home is scheduled to go to Foreclosure auction. Will this work with that?

If you have made attempts via Loss Mitigation to stop the foreclosure, we will be able to review your process and most likely help you. If you have made no attempts, please contact us so we can review your situation and Foreclosure sale date to see if we can help.

How much does it cost me to do this?

There is no upfront fee or money out of your pocket to start this program. If there is a claim, you will share proceeds with the Audit and Law firms.

What are the benefits to this?

The benefits are purely financial to you. If the audit firm finds violations, the attorney firm will secure a settlement on your behalf. There are no guarantees that any violations occurred or will be found, however each violation is worth $2000 and based on what we have seen so far, the average file has between 3 – 5, or more violations, since it does not cost you anything to start this process, it is worth it to at least see if you qualify.

This looks like it is far too easy and too good to be true. What is the catch?

Yes, you may be skeptical, however this is indeed real and there is no “catch”. This can be found in a recent Government Act that involves Mortgages. It is a “newer” opportunity as it has only been available for consumers who qualified in the past few years and will continue to apply to consumers on a going forward basis.

You are most likely not aware of this opportunity as it is not well explained or advertised on billboards or television commercials and your Bank or Lender has no obligation and no benefit to inform you of this either.

My Real Estate Agent says I should not do this. Why did they say that?

Your agent is trying to, or at least should be, working in your best interest. If they think this is not a good idea, it is most likely because they are unaware of what this is or how it can help you or they may feel threatened by having you speak with another party. Remember, your Agent works for you and you are the homeowner. You direct them, not the other way around. Tell them to find out more information or to even contact us and we can help explain. Your Agent is not going to provide you with additional financial assistance and cannot prevent you from moving forward. We are able to work along side them in this process.

I have an Attorney working for me to stop the Foreclosure. They don’t want me to contact you. What should I do?

The answer is similar to the Real Estate Agent question. If your attorney has been able to keep you in your property, they are most likely receiving some monthly payment from you and they are afraid of losing that income, or they also are unaware of this program or do not understand the advantages yet. We are able to work along side your Attorney to assist you and will engage them in a discussion if required. In the end, they are not going to give you any financial assistance and also remember that they are working for you, not the other way around.

I know family and friends that were affected by this, how could I help them?

Please refer anyone you know to us. If this program applies to them, and it results in a paid financial settlement to them, we will provide you with a $50 Visa Gift Card for your/each referral.

I have more questions or would like some more information, who can I speak with?

We are more than happy to discuss this with you. You can contact us via phone, email or text. There is no obligation and we encourage you to call. You will not know whether you are entitled to any compensation unless you ask.

How do I contact you to get this process started or to ask questions?

You can speak with the following person who has provided this information to you.

There are no obligations. Better to be informed that to miss out on a potential settlement. This person is operating as an affiliate with the Audit and Law firm working on the claims. Do not be afraid to call us. Your Bank/Lender will not tell you what to do with this opportunity.


For More Information, Please Contact us at 386-235-7464

About the Author

The Short Sale GuyProfessional Real Estate Investor who enjoys assisting distressed homeowners and working with local real estate agents to help provide private market solutions that work wince 2007.View all posts by The Short Sale Guy →

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