Sample Letters

Foreclosure Defense Letters

Here is a sample letter you can use as part of your discovery process. You should send this letter certified mail, return receipt. Always get the greencard returned…do not use the Internet for confirmation. It does not count.

000-Rebuttal of NOD letter (Right Mouse Click. Select “Save Link As”) This is the dispute letter asking for debt validation within 30 days of your Notice of Default.

002-Initial-letter-to-lender (Right Mouse Click. Select “Save Link As”)

002-Second-Letter-to-Lender (Right Mouse Click. Select “Save Link As”)

These are just two of over 20 other documents contained in our member resources directory. If you wish to become a member of our foreclosure defense association, please join us. For more information about the benefits of membership, please click here.

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Comments (31)

#1 written by Mary
about 9 months ago

Greetings~

Many thanks for all that you are doing to help others become winners in this Fight. I need to order the Mortgage audit and Module 5 is reading
error message so I can not order. Please HELP
ASAP!!! I am in urgent did of this securitization
audit.
- #2 written by admin
  about 9 months ago
  
  Mary
  
  I just tried the order button in Module 5 and it worked fine. Please REFRESH the page and try again. If you have any further problems, please email me at info@consumerdefenseprograms.com.
  
  Thank you.
#3 written by Hugh Wells
about 9 months ago

How can we become an affiliate. We are very interested in what you have to offer but I would like to know exactly what you do (various options) and how much are they. Please get back with me as soon as possible.
- #4 written by admin
  about 9 months ago
  
  Hugh
  
  Please come here to sign up as an affiliate:
  http://www.consumerdefenseprograms.com/resources/joint-venture/
#5 written by Gene
about 10 months ago

While reading Vinces great information, I also encourage everyone to please read your deed of trust/contract!!! Look at the first part… Definitions…. C) LENDER; is_________. Lender is a corporation in________. Lenders address is ________.
Now count the number of times lender is mentioned in your deed of trust (187 times in mine) now goto paragraph 24… Substitute trustee…. Who does it say can do this…. Yes, ONLY the LENDER and no one else! Not MERS!! There is only one lender!!! Anyone after is a purchaser, bearer or holder… Not lender! Who does it say will send you a notice of default?… The Lender? Please read you contract/deed of trust!!!!!!
#6 written by Jeff Connors
about 10 months ago

Just read the latest post about the pretender lender quoting the Fair Debt Collection Practices Act. While I am not in foreclosure, having just glommed onto this subject, I did receive from Bof A the notice about transferring the accoubt from BoA Home Loan Servicing, LLC to BofA N.A. That letter was NOT the one saying they were a debt collector. Should I just proceed with request letters 1 and 2?
- #7 written by admin
  about 10 months ago
  
  Jeff
  
  We can not advise you whether or not you choose to fight bank fraud. That is a personal decision. Those who decide to fight, start by writing with a letter similar to the ones provided here.
#8 written by Jeff Connors
about 10 months ago

Buck:

Vince:I had a thought the other day! If your servicer is paying property taxes and home owner insurance out of escrow and you stop paying your mortagage payment, then when the property tax or insurance is due and they pay it from funds not in escrow they could and probably will put a lien against your property and try and foreclose that way? So to be on the safe side I informed my Insurance company to bill me directly and cease billing the agent servicer. I am going to do the same with the property Tax. whats your thought?Buck (in Bend Or)
#9 written by Gene
about 10 months ago

I encourage everyone to please read your deed of trust!!! Look at the first part… Definitions…. C) LENDER is_________. Lender is a corporation in________. Lenders address is ________.
Now count the number of times lender is mentioned in you deed of trust (187 times in mine) now goto paragraph 24… Substitute trustee…. Who does it say can do this…. Yes the LENDER and no one else! There is only one lender!!! Anyone after is a purchaser, bearer or holder… Not lender! Who does it say will send you a notice of default?… The Lender? Please read you contract/deed of trust!!!!!!
#10 written by Buck
about 10 months ago

Vince:
I had a thought the other day! If your servicer is paying property taxes and home owner insurance out of escrow and you stop paying your mortagage payment, then when the property tax or insurance is due and they pay it from funds not in escrow they could and probably will put a lien against your property and try and foreclose that way? So to be on the safe side I informed my Insurance company to bill me directly and cease billing the agent servicer. I am going to do the same with the property Tax. whats your thought?
Buck (in Bend Or)
- #11 written by admin
  about 10 months ago
  
  Buck
  
  We are sorry. We can not provide an answer to your question as it could be construed as “practicing law”. Thank you for your understanding.
- #12 written by April
  about 10 months ago
  
  Hi Buck,
  
  That would depend on your state homestead property tax laws. I studied tax liens for our state here in Texas and unless you have a valid and binding written contract with whomever it is that pays your property taxes, then they have no recourse against you and that includes putting a lien or trying to foreclose. It would behoove you to look up the property homestead tax laws in your state regarding this issue. There is a guy here in Texas in tarrant county that won his suit against the pretender lender and they are still paying his taxes… which I do not advocate ~ but at the same time, I do not have any sympathies for the servicers/
#13 written by admin
about 10 months ago

You have been given a complimentary access to our members area.

Good luck.
#14 written by Michelle
about 10 months ago

Hello,

Maybe I’ve misunderstood but I thought to file BK Chapter 13 it was better to list house as unsecured but my lawyer said that was not possible. So does listing it as secured and then immediately filing an adversary proceeding basically the same thing as listing it as unsecured?
- #15 written by admin
  about 10 months ago
  
  Michelle
  
  Some people file it as an unsecured debt…while others file it as a secured debt but then file an objection when the creditor produce some bogus document that has no proof that links them as a creditor. Again, be sure to discuss this with your attorney.
#16 written by ed
about 10 months ago

dear Vince and crew,
THis is great stuff. Thanks for doing all the research and making it easy for all of us dummies out there recognising that we have been taken advantage of. We can’t stand around being raked over the coals by fraudulent banksters and mortgage companies. You do have to be ready and fully armend and feel confidence in knowing all about your situation. Leave nothing guessticulation. (Thats my own concocted word). Then go full speed ahead. Its worth it.
#17 written by Alison Pavesich
about 10 months ago

I bought 8 books to pay it forward, wrote a review for it on Amazon. Cannot reach anyone to let you know this. Just got books today. “info@consumerdefenseprograms” is not a good address. Even Amazon tried it to verify my purchase and review. So what can I do? I even tried forwarding the info to you, so just tell me what you want me to do? I really need further assistance as the owner of my securitized not turned it over to MERS.
- #18 written by admin
  about 10 months ago
  
  Allison. Please re-email info@consumerdefenseprograms.com. We are always on top of this.
#19 written by JB Roberts
about 10 months ago

If I send and enter the Disputing the Debt and Notice of Default letter, do I have to answer all 29 points of the Amended Complaint that was attached to the Lis Pendens?
#20 written by JB Roberts
about 10 months ago

My assistant’s/sister’s property was pulled from the foreclosure auction October 2010 in a judicial state, after her many filings with the court, and the only thing she has received in the 8 months since, is an offer to modify the loan. How can she get this case settled once and for all, and in her favor?

FYI if needed:

Lis Pendens served 11/07; Court date to Dismiss Counter-Complaint:August 26, 2010; Auction Date: October 4, 2010.
#21 written by Veronica
about 1 year ago

I have sent the Rebuttal of NOD letter and the Initial letter to lender. Prior to that I had sent the “Show Me the Note” letter, therefore I indicated the Initial letter to lender as a Second Notice Letter and gave the bank 20 days to respond. My only correspondence to date is a letter from the former stated “bank’s attorney, notating that he is just a debt collector and that he will attempt to verify the debt and will get back to us. He further noted that he will have to “place on hold” all current foreclosure proceeding against us.
I will be sending the next letter which will be the Second letter to the lender right on schedule. Can I then assume that since the attorney have identified himself as simply “the debt collector” then I have not heard back from “the party of interest?”
- #22 written by admin
  about 1 year ago
  
  This is a debt collector and not the real party of interest. Under the Fair Debt Collections Practices Act, he needs to verify and validate the debt.
  - #23 written by Rich
    about 10 months ago
    
    I have TS on 7/28. I had sent out QWR & the bank replied but no promissory note. Do ask them to provide certified true copy of front and back of the promissory note? or Do I Rebuttal letter or the initial letter? Either of the letter do I have to indicate 30 day reply since I only have few days to TS?
    It is nerve racking. I don’t know how to stop the TS.
    Appreciate your help. God bless you organization.
    Thanks & best regards.
#24 written by CHARLENE
about 1 year ago

doing bk method. looking for forms on advicary proceedings. can you help?
- #25 written by admin
  about 1 year ago
  
  Charlene
  
  Once you download the documents, look at the directory called /BK Method. It has all the forms you need to file an adversary proceeding. Please review Module 0 for further instructions.
#26 written by Frank Molina
about 1 year ago

Dear Sir/Madam,

I am disabled senior citizen who has done most of the required letters to the lender. I have already sent them a “Notice of Default”. They have not responded at all and I would like to do a “Quiet Title” on the property. Please show me how to file a quiet title as this is all the FORM I need..i think… to reconvey the property back to myself. You can call me at (818) 770-4834 and we can talk about how we can exchange services. I live in the Los Angeles, California area. Please reply soon as I don’t want to prolong the “Quiet Title” process.
- #27 written by admin
  about 1 year ago
  
  Frank
  
  Filing a civil action is not as simple as “fill out this form…and then submit it”. You need to be educated on the process. Who to sue, how to service them, etc.
  
  This is why we created the coaching program to walk you through the process. For more information about our coaching program, come to:
  http://www.consumerdefenseprograms.com/coaching-program/intro/
#28 written by Donna
about 1 year ago

My husband and I have been in foreclosure mediation for 2 years they keep stalling to reinstate our loan- they say we are eligible for he loans??? Alot of what you talk about relates us. We have MetroCities Mortgage AND MERS on the Ashtabula Recorders website I don’t recall both of them being on the original – Now how does Wells Fargo have our Mortgage- Do they?? They are “recorded” 5 months into default after MetroCities would not take any more payments.?? GOD BLESS YOU AND YOUR CREW for ALL you have done!! I would also love to help other people but lack the know how in what I can do.
Maybe I can “Pass this info forward” to other people that are on the court dockets. It might help them.
Sorry I can’t buy you help. don’t have ANY money at all. scraped the coins out of the car to get a sweet Iced tea from McD’s But what I have learned has helped.
- #29 written by John Wayne
  about 10 months ago
  
  Hi Donna,
  If you really want to help others in these situations, then go to World Freeman Society or FMOTL and register.
  There are many,many people there crying out for help and many others offering fantastic advice and support covering a very comprehensive range of issues, dealing with corrupt Banks and Judiciary are two such problems
  All the best
  John
#30 written by Karen B.
about 1 year ago

OMG! This information is WONDERFUL! I cannot put this book down! I was very excited about this information, BUT I am disabled and cannot afford the fee for membership. The only thing that’s bad is that you guys do not have a buy in membership. But thank you for putting the info out there and the way it is written is Superfantastic!
- #31 written by admin
  about 1 year ago
  
  Thank you Karen
  
  What’s a “buy in membership”? How can we make this possible for you?
  
  We have an affiliate program. If you refer a fee people to our network, you get your membership for free.