We never ask you to commit to a service before you know what we found. Upload your documents, get your free summary, and choose the level of support that matches your situation, whether that is a self-service toolkit, a one-time expert review, or a dedicated investigator working your case until it is resolved.
Start with a free document upload and analysis summary. Upgrade when, and only when, you are ready for more.
$1,499 / 3 months · $5,999 / year
Payment plans available on annual
A complete sample examination record, with every figure made up for illustration. Work at this depth sits in the Full Service tier, and the report explains why it takes months of tracked requests and responses.
Open the sample reportMost investigations take 3–12 months to reach resolution. The longer options are priced to reward that commitment, and to make sure you are never paying month-to-month while waiting on your case to move.
Annual payment plan available: 3 installments of $2,099 · Request a payment plan · Available for members in active financial hardship
Full Service membership covers the investigation itself: the case manager, the drafting, the filings, the coordination. When that investigation puts money in your hands, Serv Inc. is paid 20 percent of what is recovered. If nothing is recovered, no recovery fee is owed, and the evidentiary record your membership built is still yours.
Twenty percent of net recovery, meaning the amount actually paid to you or credited to your account after reimbursement of any third party costs advanced on your behalf. No sliding scale and no minimum.
Settlement payments, refunds of unlawfully assessed fees and charges, statutory damages, and the value of any balance reduction, fee waiver, or lien release obtained through the investigation.
Free and Analysis members owe no recovery fee at any time. Attorney fees awarded directly to outside counsel are excluded, as is anything you recover on your own without Serv Inc. involvement.
The recovery fee is disclosed in your Full Service membership agreement before you enroll, is calculated on a written statement delivered with any recovery, and is due within 30 days of funds being released to you. Serv Inc. does not hold client funds, does not take an assignment of your claim, and does not place a lien on your property or your recovery. Serv Inc. is not a law firm and does not provide legal advice or legal representation.
Non-identifying summaries of open Serv Inc. matters. Findings describe what the records showed and have not been decided by a court. Results depend on the facts and the documents, which is why the analysis comes first.
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.
Select a tier to see exactly what is included, who it is right for, and what you can expect.
The Free tier exists for one reason: to show you what is in your documents before you commit to anything. No credit card, no obligation, no time limit. Upload whenever you are ready, the analysis will be there when you return.
The free summary tells you the categories of concern we identified, the regulatory frameworks that are potentially implicated, and what documents we still need to see to complete a full analysis. It is enough to know whether your situation warrants further investigation.
Right for you if: you want to understand your position before deciding what to do, you are in good standing and want a proactive review, or you are not yet ready to commit to a paid service.
The Analysis tier gives self-directed members everything they need to go deep on their own case. The full report does not just summarize findings, it documents specific deficiencies, applies the relevant regulatory standard, and assigns a compliance score to the institution's conduct.
The Self-Analysis Wizard walks you through your own documents step by step, asking the questions an investigator would ask, flagging what matters, and generating a structured PDF summary of your findings. The resource library and video content teach you what the frameworks require and what violations look like in practice.
Right for you if: you want to understand your case fully before deciding on Full Service, you are a researcher or advocate working on behalf of others, or your situation is developing and you want to monitor it over time.
The Expert File Review is a one-time add-on available to Analysis members. A Serv Inc. investigator, not a system, not a template, personally reviews your file: your uploaded documents, your wizard findings, your full analysis report. They deliver a written investigation roadmap and a recorded walkthrough session.
The roadmap tells you what is strong in your case, what needs to be developed, where the clearest path to resolution runs, and whether Full Service investigation is warranted. For many members, the roadmap itself answers the question of what to do next, and for many others, it makes the decision about Full Service straightforward.
Right for you if: you have completed the wizard and want a human perspective, you are deciding between self-service and Full Service, or you want a professional assessment before taking formal action.
Full Service membership is for members who are ready to pursue resolution actively. You receive a dedicated case manager, one investigator who knows your file, your timeline, and your goals, who works your case from enrollment to resolution. Not a ticket system. Not a rotation. One person accountable for the outcome of your matter.
Service calls are included. Your case manager coordinates document requests, drafts formal notices and affidavits, prepares CFPB and State AG complaints, and manages the private dispute resolution process. The annual option is specifically designed to carry members through the full arc of a complex investigation, and includes a complimentary Expert File Review at enrollment.
Right for you if: you are in active foreclosure or litigation, you have exhausted public channels and need the record pursued for you, or your matter is complex enough to require sustained professional attention.
Full Service is the only tier carrying a recovery fee. It is 20 percent of net recovery, billed after funds reach you, and nothing is owed if the investigation does not produce a recovery. See how the recovery fee works →
The Enterprise track is for organizations that serve the same consumers we do. Housing counseling agencies, attorneys and corporate sponsors refer members into our investigation process, and we refer back when a member needs what they offer. Engagements are scoped one at a time.
We also consult, build training on RESPA, FDCPA and consumer protection frameworks, and develop joint products with partners who want record investigation available to the people they serve.
A complete feature breakdown across all tiers so you can make the right call for your situation.
| Feature | Free | Analysis $129/mo |
Full Service from $599/mo |
Enterprise Custom |
|---|---|---|---|---|
| Document Intake & Analysis | ||||
| Secure document upload | ✓ | ✓ | ✓ | ✓ |
| Summary analysis report | ✓ | ✓ | ✓ | ✓ |
| Full analysis report with compliance scoring | ✗ | ✓ | ✓ | ✓ |
| Document vault with version history | ✗ | ✓ | ✓ | ✓ |
| Case status tracking dashboard | ✗ | ✓ | ✓ | ✓ |
| Self-Service Tools | ||||
| Self-Analysis Wizard (all case types) | ✗ | ✓ | ✓ | ✓ |
| Downloadable wizard output PDF | ✗ | ✓ | ✓ | ✓ |
| Resource and download library | Intro only | ✓ Full | ✓ Full | ✓ Full |
| Video library | Intro only | ✓ Full | ✓ Full | ✓ Full |
| Professional Services | ||||
| Expert File Review (written roadmap) | ✗ | Add-on $199–299 | Add-on / Incl. Annual | ✓ |
| Dedicated case manager | ✗ | ✗ | ✓ | ✓ |
| Service calls included | ✗ | ✗ | ✓ | ✓ |
| Formal notice and affidavit drafting | ✗ | ✗ | ✓ | ✓ |
| QWR coordination and monitoring | ✗ | ✗ | ✓ | ✓ |
| Regulatory complaint preparation | ✗ | ✗ | ✓ | ✓ |
| Mediation and arbitration file preparation | ✗ | ✗ | ✓ | ✓ |
| Recovery fee on amounts recovered | None | None | 20% | Per agreement |
| Enterprise Only | ||||
| In-network referral partnership | ✗ | ✗ | ✗ | ✓ |
| Shared-market client referrals | ✗ | ✗ | ✗ | ✓ |
| Consulting and advisory engagements | ✗ | ✗ | ✗ | ✓ |
| Custom training development | ✗ | ✗ | ✗ | ✓ |
| Joint product development | ✗ | ✗ | ✗ | ✓ |
The Enterprise track is a separate conversation. If you represent a housing counseling agency, a law office, a nonprofit or a corporate sponsor, we would like to talk about what a partnership looks like. No pricing is published because no two engagements are the same.
Explore a Partnership →Upload your documents today. Get your free summary within the week. If there is something in your file, and there often is, you will know exactly what it is and what to do about it.
