Articles, videos, white papers and podcast episodes on how pooled debt works, what your records can show, and what to do with them.
Across 605 HUD-approved agencies in fiscal year 2025, outcomes that depend on the counselor and the client were common. The outcome that depends on the servicer...
Your counseling program has a defined mandate, and a review of the servicer's compliance sits outside it. This note explains how we carry that work for...
In much of the country a foreclosing party is never required to prove its authority unless the homeowner takes legal action. Michigan shows how a clear...
In both foreclosure systems the foreclosing party supplies the proof of its own right to enforce, and in the ordinary case nobody tests it. A purchaser,...
A securitization depends on the claim that loans were truly sold and isolated from the company that made them. This paper sets out how that claim...
A foreclosure sale is run by a substitute trustee who is expected to be neutral. This 95-second video follows the money from the high bid to...
See the form our findings take. This sample walks through a complete examination record, from the determination on each element to the charge-by-charge audit. Every figure...
A working paper for attorneys, trustees, originators, servicers, housing counselors and courts: an eight-point framework for recognizing a defective security interest in a post-transfer file, with...
Everyone in the foreclosure chain is licensed, registered or commissioned, and none of those credentials tests the rules that govern a loan after it is sold....
A default can come from the servicer's own handling of payments, fees or escrow. This article explains how that happens, which rules govern the accounting, and...
A foreclosure or a bankruptcy changes the posture of a mortgage dispute and leaves several questions open. Here are five rights that can outlast the loss...
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