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Hello folks, and thank you once again for tuning into and visiting the ADR-NOW! Internet Radio Webinar. I am your host, Anthony Johnson.
In this episode, we will continue our conversation on how to remove a foreclosure deficiency judgment from your credit bureau report by using Section 6 of RESPA, the Real Estate Settlement Procedures Act. Under RESPA, you may send what is called a "QUALIFIED WRITTEN REQUEST" to the loan servicer. The loan servicer must provide you with a letter of acknowledgement within 20 days. Subsequently, the servicer must make any appropriate corrections to the account and provide you with a written clarification regarding any business dispute.
You may also challenge the foreclosure deficiency judgment under the auspices of the Fair Debt Collection Practices Act or Fair Credit Reporting Act. Remember, under the FCRA, you are entitled to complete and accurate reporting of information in your credit file. If you can uncover evidence of fraud during the foreclosure process, i.e., "robo-singing" of documents, you may allege that the foreclosure judgment was ascertained by fraud and the servicer, trustee or presumptive owner of the note did not have standing to foreclose!
Visit our website at www.adr-now.com for more information.
If you have been foreclosed upon, and now have a deficiency judgment reporting on your credit bureau report, you must tune in to this FREE Webinar, 6:00PM EST, every Saturday and Sunday for further illumination.
DISCLAIMER: We are not attorneys. We are not engaged in rendering legal advice. We are Alternative Dispute Resolution Practitioners. If legal advice is required, the assistance of a competent, qualified,, legal professional should be obtained.
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It's good to talk.