If You Are A Borrower, You Could Have Been Injured

Mortgage Attack recommends finding reasons and ways to attack the lender and/or others involved in the loan transaction for injuring the mortgagor (you, the home loan borrower).  See the Defend topic for reasons why.

Types of Injuries

Research has shown that lenders and their agents have injured more than 90% of the single family home mortgagors since the year 2002.  We believe they injured many prior to that time also. The injuries take the form of tortious conduct, contract and regulatory breaches, and legal errors.

How You Got Injured

Such injuries include appraiser fraud, mortgage broker fraud, loan officer fraud, Title Company errors, lender errors, lender complicity in the torts, breaches, and errors, and servicer malfeasance such as forcibly placed insurance, foreclosing during a loan modification, mishandling funds, and accounting errors that make it impossible to bring the loan current.

You Need a Mortgage Examination to Find Your Injuries

Differences exist between all mortgage loans and borrowers,  so one cannot predict what injuries exist without carefully examining all of the mortgage loan related documents to discover the injuries.  See the Exam topic for details.

Examine and Attack – The Winning Strategy

A competent strategy for using the examination report effectively has emerged over the years.  We discuss it in the following paragraphs.


If the lender and servicer do not perform as required and to your, the mortgagor’s, satisfaction, then you should file a written complaint with the Consumer Financial Protection Bureau (CFPB).  You might also bring in a competent attorney to assist in negotiating a settlement.

Try a Settlement

Lenders have many times settled to the satisfaction of the mortgagor upon prompting by the CFPB.  Settlements can take the form of setoffs from the loan balance, a permanent reduction in the loan balance and interest rate, and sometimes forgiveness of the debt and giving claim to the house to the mortgagor.  The settlement nearly always requires the mortgagor to sign a confidentiality agreement. For that reason, we do not hear about such settlements through the news media.

Mortgage Attack!!!

If the creditor and servicer still won’t correct the injuries, you, the mortgagor, should obtain a competent attorney’s assistance in preparing and filing a pleading (complaint, counter-complaint, or cross-complaint) against the injurious parties, including the original lender and whoever owns that lender’s liabilities.    We do not recommend that mortgagors unskilled in this type of litigation attempt to do battle against their adversaries in court by themselves.

Settle or Sue

The adversary will often settle soon after you the mortgagor file the lawsuit because bankers and their lawyers know the courts (judges and juries) have the duty to redress your injuries, and might award substantial compensatory and punitive damages plus legal fees and costs to you.

Litigate for Damages

If the adversary still makes no effort to settle, the litigation could drag on for two or three years.  But the damages awards can justify it.  You the mortgagor can come out with enough money to buy several houses and go on a year-long cruise around the world.  Yes, the awards can get quite large.

Foreclosure Defense Alone is Just Plain WRONG

Now, compare this in your mind to what you  would have upon winning a foreclosure battle.  At best (about as rare as chicken teeth) you will have the house free and clear. But most likely you will still owe  a huge debt with accrued interest, the house will still need repairs, and your wallet will feel substantially emptier after paying legal fees.

Mortgage Attack believes only a fool would defend against foreclosure of a valid mortgage without bothering to get the mortgage examined and going on the attack against the lender and agents who hurt him through torts, breaches, and errors.

Summary – How to Lose or Win

It’s pretty simple and clear:

  1. Defend against the foreclosure and LOSE  (even if you “win” a temporary dismissal), or
  2. Examine and Attack the mortgage.  Then have a chance of winning BIG.

Mortgage Attack Even if You Do NOT Face Foreclosure

Who says you must face foreclosure to justify attacking the lender and agents for injuring you?  If you have a mortgage, you have a 90% likelihood that you suffered meaningful injuries.  A mortgage examination could reveal those causes of action (reasons to sue the lender or agents) underlying your mortgage, whether or not you face foreclosure.  And you can obtain the same  benefits as a foreclosure victim if you attack the lender and agents for those causes of action.

Visit the Exam topic now if you want to have a hope of winning against the bank.