Article
The Manufactured Default: When Servicing Errors Create the Delinquency
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...
Serv Inc. Library
Research you can use.
Articles, videos, white papers and podcast episodes on how pooled debt works, what your records can show, and what to do with them.
Article
The Untrained Professional: Foreclosure Trustees and the Missing Competence Standard
The party that conducts a foreclosure sale carries a duty that differs from state to state. In the four states reviewed here, none requires the trustee...
Article
The Dual Duty Problem in HUD Foreclosure Prevention
A HUD-approved counseling agency must serve its client's best interests, and it may be funded in part by the lending industry. The program's own rules anticipate...
Article
Why RESPA Never Appears in a HUD Action Plan to Prevent Foreclosure
A HUD-approved housing counselor will walk you through a budget and the servicer's loss mitigation options. Whether the servicer has followed federal servicing rules is outside...
Article
Walking Away From a Foreclosure: Five Rights That Survive the Surrender
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...
Article
Paying Without Knowing: Why Every Borrower Should Keep a Case File
Most borrowers pay what the statement says and assume someone is checking the math. Federal enforcement pulled back in 2025, which leaves more of the record-keeping...
Article
When One Party Wears Two Hats: How Double Agency Weakens a Foreclosure
When one company or its affiliate acts as servicer, beneficiary and sometimes buyer at the sale, nobody independent is checking the documents. The same gaps that...
Article
Servicer Conflicts of Interest in Securitized Loans, and Six Questions Worth Asking
The company you pay each month usually works for whoever owns your loan, under an agreement you never see. This article covers how that shapes what...
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