Independent Foreclosure Review #3

IFR #3

We have included 2 examples from our files to give you an idea of 1) a foreclosure from 2009 we were able to prevent and 1) that took place before it found its way to our office.  The personal information is being protected for the privacy of our clients but we hope it will give you an idea on what you can look for in reviewing your situation.

These documents like many had a large number of details that didn’t look quite right.  Originally we noticed the Notice of Default – which is the document that begins the foreclosure process – was filed prior to a change in servicing and assignment of the deed of trust.  This means that the person who filed for the foreclosure is no longer servicing or owner of the mortgage account which is a requirement for foreclosure;
Next we have a certification stating that the lender is in possession of the original assignment of the Deed of Trust.  At the time this document was “Notarized” the notary seal was expired by more than a year And in what appears to be an attempt to correct the problem someone changed the date on the state issued notary seal;
Looking at the copy of the Assignment provided with the flawed Certification we see someone stamped their name and title and signed and dated the document.  Crossing out the stamp title AVP which typically would mean assistant Vice President and replacing it with the stamped title of Assistant Secretary.

This entry was posted in Credit Repair, Independent Foreclosure Review, Loss Mitigation and tagged , , . Bookmark the permalink.

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