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Mortgages, car loans and other debts get bundled and sold, sometimes more than once. Most of the paperwork behind those sales is never shown to you or explained, even when it changes what you are being charged. We request those records, examine them, and tell you in plain language whether the obligation is sound and enforceable, whatever your account status is.
Documents encrypted and never shared. Summary analysis delivered at no charge. No attorney-client relationship is created by submission.
Most of the records behind your debt are never shown to you. We request them, examine them and explain them.
A foreclosure notice, a repossession, a collector you have never heard of, a rent charge that keeps changing. We review your documents quickly and put what we find in writing while there is still time to use it.
You called. You wrote. You filed with an agency and got a form letter. We build the record that complaint was missing and send it to the people required to answer it.
Your payments are current. You still have a right to know who holds your debt, whether the transfers were done properly, and whether what you are being charged matches the contract. Most people have never seen those records.
An estate plan, a sale, a refinance or an inheritance all depend on what is actually owed and who can enforce it. We give you the facts from the record so you and your advisors can decide what protection you need.
When a loan is sold into a pool, the company you deal with often does not own it. It collects for investors under contracts you were never given. Fees, advances and transfers get handled as "underlying" business between those companies, yet they shape what lands on your statement.
The agencies that once checked this for individual consumers rarely do now. We do that checking.
From your first upload to a record you can use.
Loan documents, statements, letters from your servicer or a collector, court filings. Send whatever you have. Intake is secure and confidential.
We identify what we found, what is missing, and why it matters. Your free summary shows you the shape of your case. The full report goes deeper.
Through the Self-Analysis Wizard, Expert File Review or Full Service investigation, your documents become a structured, provable record of fact.
With your authorization, we send notices, track deadlines, answer responses, join your calls and route findings to the regulators responsible. We also prepare your file for mediation, arbitration or your attorney.
We do not promise results, and every file depends on what its records show. When a dispute is documented and pursued properly, these are the outcomes it can produce:
A short video on who checks the numbers in a foreclosure sale, and a complete sample of the examination record a member receives.
A foreclosure sale is run by a substitute trustee who is expected to be neutral. This short video follows the money from the high bid to the surplus, names the three documents that decide the number, and gives four ways to get the math in writing.
A complete sample examination record, with every figure made up for illustration. It shows the determination on each element the other side has to establish, the charge-by-charge audit, the response deadlines, and what a homeowner can do with the result.
Open the sample reportNon-identifying summaries of open Serv Inc. matters. Findings describe what the records showed and have not been decided by a court.
The member's home was sold at foreclosure in 2025. Our review found a written request that drew no acknowledgment or answer within the federal deadlines, a substitution of trustee signed without a stated title or attached authority, no recorded assignment although the loan appeared to have been sold into an investment pool, no original note produced on request, and a recorded release of the mortgage still on the title. We routed the findings to three regulators, and the member used the record to file a court challenge.
The member disputed their car loan account in 2024. The lender's dispute desk answered without resolving it, and so did its executive office. We documented both responses and routed the record to the federal consumer bureau, a state attorney general and the Better Business Bureau. With that record, the member filed suit as a self-represented party, and the lender's attorneys have responded in the case.
A written request drew one response from the servicer, a formal notice of error drew a second, and a payoff statement was produced along the way. Each response went into the record, and the member's sworn statement of the dispute was finalized in June 2026.
Every member starts with a free analysis. Your next step depends on what we find.
$1,499 / 3 months · $5,999 / year
Payment plans available on annual
Serv Inc. was built by professionals who spent careers inside the institutions that consumers now need protection from. We know how servicers document — and how they don't.
Our investigators come from corporate banking, compliance, legal services, and consumer advocacy. We understand the documents because we've written them, reviewed them, and used them in proceedings.
"The documents tell the truth.
We make sure it gets heard."
Upload your documents for a free analysis. No cost, no commitment. If there is something there, we will tell you — and show you exactly what to do next.
