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Mortgage and Lending Fraud

Mortgage foreclosures have become common for many homeowners since the housing bust in 2008. However, a new trend which is emerging shows that some of the more recent foreclosures are a result of potentially unscrupulous lenders, including private entity investment companies who buy and manage mortgage loans.

In some cases, lenders such as Nationstar (aka Mr. Cooper) have been accused of predatory lending practices, mortgage loan fraud, and unfair and deceptive mortgage loan modifications. These alleged violations result in wrongful foreclosures and inaccurate credit reporting.

Losing your home can be financially and emotionally devastating as you deal with damaged credit and financial loss. This is especially true when you fall victim to events which are completely out of your control. The shock of learning that, through no fault of your own, your home will be auctioned off despite obvious errors by your lender can be extremely frustrating.

How Our Mortgage and Lending Fraud Attorneys Can Help

The Consumer Law attorneys at Fields Law Firm may be able to help. Our law firm can review your case, free of charge, and determine whether your lender violated any of the state or federal laws.

If the lender did violate your rights, you have the right to sue them and, if you win the case, you could receive $1,000 or actual damages (whichever is greater), and they must pay your attorney fees and out-of-pocket costs.

Keep in mind, there are no upfront fees to get started. Simply pick up the phone and call 1-888-343-5375 to get started on protecting your future, your financial resources and assets, and most importantly, the health and well-being of you and your family.

Here’s a checklist of how we can help you:

Step 1 – Creating a Case File

Our Consumer Law team can help you gather the information regarding the events leading up to your current situation. The sooner we can begin to document the details, the better.

  • A timeline of events.
  • Logs of any phone conversations with dates, names and phone numbers of any representatives you spoke to, and notes on what information they gave you.
  • Copies of any email or letters received from or sent to the lender.
  • Your most recent credit report from all 3 credit reporting agencies.
  • Any evidence of the fraud or deception.

Step 2 – Understanding Your Rights

You have rights under federal laws. Our attorneys will review your case and determine whether those rights were violated. If so, you may have the right to seek monetary damages.

  • The Fair Debt Collection Practices Act (FDCPA) is a federal law which protects consumers against unfair debt collection practices, such as harassment.
  • The Fair Credit Reporting Act (FCRA) is also a federal law which protects consumers against credit reporting errors and failure to conduct a reasonable investigation of disputes to resolve the errors.
  • The Telephone Consumer Protection Act (TCPA) is a federal law that protects consumers from unsolicited phone calls and text messages.

Step 3 – Correcting Credit Reporting Errors

If your credit report has any errors or inaccuracies, our attorneys will assist you in contacting each of the 3 credit reporting agencies to get the errors corrected. Under the Fair Credit Reporting Act, after a consumer disputes the accuracy of his or her report, each agency is required to investigate the dispute within 30 days, and report the results of the investigation.

In some cases, these credit reporting errors can lead to separate lawsuits against each of the credit reporting agencies and the bank or lender, particularly if the bank or lender knew that they had submitted inaccurate information and all three agencies failed to correct the mistakes.

The three credit reporting agencies are:

  • Equifax
  • Experian
  • Transunion

Step 4 – Reporting Fraud to the Appropriate Agencies

In some cases, reporting fraud to the various state and federal agencies may be helpful, and could prevent similar fraudulent activity against another unsuspecting consumer.

Mortgage Fraud: The US Department of Housing and Urban Development (HUD) Office of the Inspector General is responsible for investigating suspected fraud, waste or abuse in HUD programs or operations.

Lending Fraud: Filing a complaint with the Federal Trade Commission will also enter the fraud into the Consumer Sentinel Network so that law enforcement can stop ongoing fraud and track these crimes.

Mortgage Loan Modification Fraud: The Loan Modification Scam Alert Campaign was launched in 2009 after Congress asked NeighborWorks America to help educate homeowners and offers links and phone numbers to report loan modification scams.

Consumer Fraud: Minnesota Attorney General’s Consumer Protection Unit

Step 5 – Taking Care of You and Your Family

We understand that you may be worried about your family, especially if you are facing foreclosure and an uncertain future. The emotional toll on you and your family during this stressful time and the added financial burden can also have significant health impacts. And, your current financial situation may leave you wondering how you could even afford to hire an attorney to fight for your rights.

At Fields Law, we are committed to helping those who have been injured by predatory lenders, both physically and financially. That’s why we provide our legal services on a contingency basis. That means for most cases there are no upfront costs or fees and we don’t get paid unless we win. We will take care of everything for you, so that you can focus on the health and well-being of you and your family.

If you find yourself a victim of mortgage or lending fraud, inaccurate credit reporting or wrongful foreclosure Fields Law can help. Call us today for free advice.

SETTLEMENTS AND RECOVERIES IN ALL CASES DEPEND ON SPECIFIC FACTUAL AND LEGAL CIRCUMSTANCES WHICH ARE UNIQUE TO EACH CLIENT’S CASE. PAST CASE RESULTS ARE NOT A GUARANTEE OR PREDICTION OF SIMILAR RESULTS IN FUTURE CASES WHICH THE FIELDS LAW FIRM AND ITS LAWYERS MAY UNDERTAKE.

READ OUR CLIENT REVIEWS

John Kelley
John Kelley
21:38 16 Oct 18
I was having issues with an insurance company and I hired fields law firm. The people there are amazing and always quick to answer questions even a couple times on the weekend. I worked with Blake amazing person and very informative on my case. I would highly recommend this firm to any of my friends.read more
Michael Frazier
Michael Frazier
23:58 10 Oct 18
I had the pleasure to work with Michael and Annie on my LTD case. When my claim was denied by the insurance carrier, Michael didn't hesitate to take them on with an appeal. He worked diligently on the appeal and ultimately won this for me. Mind you, this wasn't a huge case but he treated me like it was and as if I was the only case he was representing. He kept me abreast of vital information, it was clear that he knew his stuff and wasn't afraid to take on the big insurance company. Michael was much more than I ever expected given that our relationship was entirely remote, handled by telephone and email only. Not only is he a strong lawyer, he treated me with compassion and respect. I am beyond pleased with him and the Fields Law team. Michael cares about his clients and he gets the job done for them because he knows how impactful an injury can be to both a person's well-being and their financial security. I highly recommend Michael and Fields Law whether you are local to their Minnesota offices or out of state like myself.read more
Melanie Eason
Melanie Eason
20:12 29 Aug 18
Fields Law Firm is great. Patrick Kramer, my lawyer, is fantastic. He and his legal assistant Samantha K. have handled my case for several years. They have kept me informed every step of the way. They are both easy to contact. I have both of their phone numbers and email addresses and they respond promptly to any messages I leave. Without their help I would not have been able to get the disability company to fulfill their promises. It is a relief to leave all the dealings with the disability insurance company in their hands.read more
Jeannie Kerr
Jeannie Kerr
23:37 15 Sep 18
My experience with Merrick Williams of Fields Law Firm has been truly above and beyond satisfactory. His knowledge and professionalism have guided me through a very difficult time. He and his assistant Angela were readily available to answer any questions and address my concerns. I highly recommend him as an attorney and will use his services again if necessary in the future.read more
ebon jordan
ebon jordan
19:51 27 Sep 18
Field Law Firm was great my lawyer Zach Schmoll was more than I could ask for. He always kept me in the loop and explain everything perfectly, got back to me whenever I called less than 24 hrs and was a extremely nice guy. This guy is young and knows what he is doing so please don’t let the age fool you. I had a wonderful experience with Field Law and will refer anyone with legal matters to them.read more
Edward Johnson
Edward Johnson
23:11 31 Oct 18
I highly recommend Fields law Firm if you need some no nonsense attorneys to represent you. I was treated courteously and efficiently each and every time by Mike and his associates. They settled my Long Term Disability case in a timely fashion. and was pleased with the results. Thanks again Mike and Fields Law Firm. You are the best!read more
Jeffrey
Jeffrey
19:19 09 Nov 18
Fields Law Firm is simply the very best when it comes to representing you & fighting for your rights! They are a "10 Star" Law Firm hands down! Michael Kemmmitt & Sarah Christensen were simply outstanding to work with. They took over my long term disability case after I was being denied my benefits & gave me the moral support & law experience that I needed to win my case. They were supportive throughout my case & they will fight tooth & nail to assure your rights are not being denied. It is so rare to find a law firm that treats you like YOU are the most important person to them. I HIGHLY recommend Fields Law Firm. They are truly advocates for justice.read more
Ben Chadwick
Ben Chadwick
23:20 12 Nov 18
Michael and Samantha were always giving me updates in a very timely manner. They were very good at getting back with me if I had questions, and they didn't have the answer at the time of our discussion. They were very thorough in their handling of my case, and we received a positvie ruling due to their efficiency and expertise. Thank you very much Michael and Samantha, I appreciate all that you did to help me with my case. I would definitely refer people to you, as well as use you in the future. Benjamin Chadwick.read more
Michael Rosa
Michael Rosa
00:01 01 Dec 18
Evan was absolutely fantastic. He was knowledgable, informative and patient. Evan Sanford and Fields law took my case when other lawyers pretty much told me to pound sand. The outcome was a substantial amount of money that will take the pressure off of me for years to come. I would absolutely recommend Fields law.read more
BOBBY jr
BOBBY jr
17:49 02 Dec 18
It is very difficult for the average disabled person to battle the disability insurance and Social Security disability industries. I was very sick, exhausted, and stressed out about being denied and told that I can work by someone who doesn't even know me! The paperwork was daunting and had to be filled out multiple times. I chose Field's Law Firm after finding them online. They took over my claims and handled all of the paperwork and appeals that were necessary. They even went to a hearing with me to the Social Security Judge. Field's also kept me in the loop every step of the way. This allowed me to focus more on myself and greatly reduced my financial anxiety. They don't get paid unless you get paid. You truly have nothing to lose and everything to gain! I am truly appreciative of Field's Law Firm!read more
Raphael Roe
Raphael Roe
00:35 04 Dec 18
I had the pleasure of working with Patrick Kramer for my LTD appeal. He walked me through the entire process and answered all my questions. Patrick called me anytime there was new information and went above and beyond what I expected. It was one of the most stress free processes I’ve had to deal with thanks to the team at Field’s! Thank you for all your hard work! -Michael Roe, Monroe, MIread more
Donna Williams
Donna Williams
19:07 06 Dec 18
My attorney, Blake Bauer and paralegal, Samantha Kurschner are wonderful. Whenever I need to speak with one of them, they are always available. If I have to leave a message, my call is promptly returned. They worked diligently on my case and won my LTD claim. I highly recommend Fields Law Firm.read more
Lori Anderson
Lori Anderson
20:33 04 Dec 18
Jodie has been a wonderful person and on top of my social security disability claim. The attorneys are great and very thorough with what they do. Would recommend Fielsd Law Firm to everyone. Thank you for everything you have done for me.
Todd Burge
Todd Burge
15:40 11 Dec 18
I worked with Attorney Hans Lodge on a large debt collection from a creditor. He was able to determine that there was a violation of the Fair Debt Collection Practices Act, and swiftly moved into legal action. This whole matter was completely and quickly resolved within a couple of months. This whole situation could not have turned out any better on my end. I highly recommend working with Hans or any of the attorneys at Fields Law Firm!read more
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