How we turn
your documents
into provable facts.
Most consumers have more evidence than they realize. Servicers, employers, and debt collectors generate documentation of their own misconduct — and most of it ends up in your hands, unexamined. Serv Inc. knows exactly what to look for, how to structure it, and how to use it.
Six steps from documents
to resolution.
Each step builds on the last. You decide how far you go — and every step forward increases the strength of your record.
Start with whatever you have. You do not need a complete file to begin — in fact, what is missing is often as important as what is present. Our intake accepts mortgage documents, servicer correspondence, debt collection notices, court filings, pay stubs, employment records, and more.
Every upload is encrypted in transit and at rest. Your documents are never shared with third parties. The intake form captures your contact information, state, and issue type so we can route your file to the right analysis team.
After review, you receive a structured analysis of what we found in your documents, what is missing, and why each element matters. The free summary gives you the shape of your case — the categories of concern, the regulatory frameworks implicated, and the documents we still need to see.
The full analysis report, available to Analysis members, goes deeper: specific deficiencies, compliance scoring, a document-by-document breakdown, and a preliminary assessment of your position under RESPA, TILA, FDCPA, or FLSA as applicable.
Documents submitted: mortgage note, deed of trust, two servicer transfer notices.
Found: Assignment from original lender to trust recorded 14 months after trust closing date — potentially defective. Allonge present but not physically attached to note as required. Foreclosing entity differs from named beneficiary on deed of trust.
Missing: Complete chain of assignments, pooling and servicing agreement, original note endorsement chain.
Assessment: Foreclosing party's standing to enforce is questionable. Full analysis recommended before any response deadline.
Documents submitted: collection notices (×4), one written dispute letter from consumer.
Found: Collector failed to provide written verification within 30 days of consumer's written dispute — potential FDCPA §809(b) violation. Collection activity continued after dispute notice was received — documented in postmark dates. Collector is not the original creditor and provided no proof of valid debt purchase.
Missing: Proof of debt assignment, original account agreement, payment history.
Assessment: Multiple FDCPA violations documented. Formal notice and cease-communication letter appropriate as first step.
Documents submitted: QWR letter (consumer-sent), two servicer response letters, escrow statements.
Found: Servicer response to QWR was delivered on day 32 — RESPA requires acknowledgment within 5 business days and substantive response within 30. Response did not address three of the five specific questions raised. Force-placed insurance charged during period when consumer had documented coverage.
Missing: Payment application history, escrow analysis, insurance correspondence.
Assessment: RESPA QWR non-compliance documented on timeline and substance. Regulatory complaint to CFPB and formal notice to servicer warranted.
Documents submitted: 18 months of pay stubs, offer letter, two performance reviews.
Found: Employee classified as exempt (salaried) but job duties as described in performance reviews are non-exempt under FLSA administrative exemption test. Documented weeks with 52–58 hours worked at straight salary — no overtime calculated. Deductions taken from salary in weeks with partial absences — destroys salary basis test and removes exemption entirely.
Missing: Full payroll records, timekeeping data, written job description.
Assessment: Strong indicators of FLSA misclassification. Back wages potentially significant. Full investigation recommended.
The Analysis tier gives you the tools to go deep on your own case. The Self-Analysis Wizard guides you through a structured review of your own documents — asking the right questions in the right sequence, flagging deficiencies, and generating a structured summary you can download or use in the next step.
The resource library and video content teach you what the regulatory frameworks actually require, how servicers and employers document their processes, and what the most common violations look like. Knowledge of your own situation is not a luxury — it is leverage.
The Expert File Review is the bridge between self-service and full investigation. A Serv Inc. investigator personally reviews your file — your documents, your wizard findings, your full analysis report — and delivers a written roadmap of your case: what is strong, what needs to be developed, and what the clearest path to resolution looks like.
The review includes a recorded session walking you through the findings. Many members who complete an Expert File Review find that the roadmap itself makes the decision about Full Service straightforward — because they can now see exactly what the investigation would uncover and where it leads.
Full Service members receive a dedicated case manager who oversees their investigation from intake to resolution. This is not a monitoring service — it is an active investigation. Your case manager coordinates document requests, drafts formal notices and affidavits, prepares regulatory complaints, and manages the evidentiary record as it develops.
Service calls are included. You are not submitting tickets into a queue — you have a professional working your case who knows your file, knows your timeline, and is accountable for the progression of your matter.
This is why everything prior matters. Dispute resolution — formal administrative process, private arbitration, and mediation — operates on the strength of the record you have built. The formal notices, affidavits, and structured evidentiary record created in your investigation are not background documents — they are the foundation of your position.
Serv Inc. operates a private dispute resolution framework that functions independently of the public court system. We do not wait for a regulatory agency to act. We build a record that makes your claims provable as fact, and we pursue resolution through private channels that have no backlog, no political calendar, and no structural incentive to protect the institution over the consumer.
The documents that prove
misconduct already exist.
Servicers, employers, and debt collectors generate documentation of their own violations. Here is what we look for across each case type.
- Chain of title defects and assignment gapsLate recordings, missing endorsements, robo-signed documents
- Allonge attachment and endorsement chainPhysical attachment requirements and endorsement sequence
- Trust closing date vs. assignment date mismatchesSecuritization trust violations and standing defects
- Servicer identity vs. foreclosing party identityWho is actually entitled to foreclose — and can they prove it?
- Loss mitigation process violationsRESPA dual-tracking rules and modification review requirements
- Force-placed insurance overchargesCoverage during periods of documented consumer insurance
- Verification failure after written dispute30-day statutory window and required documentation
- Collection activity after notice of disputePostmark analysis and timeline documentation
- Proof of valid debt purchase or assignmentChain of ownership from original creditor to collector
- Statute of limitations on the underlying debtState-specific SOL analysis and zombie debt tactics
- False or misleading representationsMisrepresentation of amount, status, or legal standing
- Harassment and communication violationsTime, place, and frequency restrictions under FDCPA
- QWR response timeline violations5-day acknowledgment and 30-day substantive response requirements
- Incomplete or non-responsive QWR repliesSpecific questions that were ignored or deflected
- Payment misapplication and accounting errorsPayment history analysis and escrow account irregularities
- Improper escrow account managementShortage calculations, disbursement errors, overcharges
- Failure to credit payments timelySame-day crediting requirements and late fee abuse
- Transfer notice violationsRequired disclosures at servicer transfer and timeline compliance
- Exempt vs. non-exempt misclassificationDuties test, salary basis test, salary level test — all three must be met
- Salary basis violations destroying exemptionImproper deductions that eliminate the salaried exemption entirely
- Unpaid overtime calculation errorsRegular rate of pay calculation, bonus inclusion, and off-clock work
- Independent contractor misclassificationEconomic reality test and ABC test analysis by state
- Tip credit and minimum wage violationsCredit eligibility, tip pooling rules, and cash wage requirements
- Record-keeping failures as evidenceEmployer failure to maintain required records supports employee claims
The laws that protect you.
We know how to use them.
Our investigations are grounded in four primary federal frameworks — plus applicable state law in every jurisdiction we serve.
- QWR response failures
- Escrow account mismanagement
- Dual-tracking during loss mitigation
- Force-placed insurance abuse
- Verification timeline failures
- Collection after dispute notice
- False representations of debt
- Harassment and communication abuse
- APR and finance charge errors
- Rescission right failures
- Required disclosure omissions
- High-cost mortgage rule violations
- Exempt classification failures
- Salary basis test destruction
- Overtime calculation errors
- Contractor misclassification
Public process vs.
private resolution.
The public system was not designed for speed, accountability, or consumer outcomes. Private dispute resolution is built around all three.
What people ask
before they upload.
Honest answers to the questions we hear most often — including the hard ones.
The first step costs nothing.
The longer you wait, it might.
Upload your documents today. Get your free summary analysis. If there is something there, you will know within the week — and you will know exactly what to do next.