Quote Quoting ballmich
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This is regarding a property in California.

I'm looking for leverage to stall a foreclosure and possibly modify a mortgage. An attorney to whom I've been speaking to is suggesting a "forensic audit" of the loan documents, basically looking for RESPA and TILA violations (I think).

Has anyone had success with this? Did it work as leverage to stall a foreclosure or help in a Loan Mod? Did you have to file a lawsuit alleging the violations, or was pointing out the violations enough to make the lender listen?

And finally, is this something that someone can do on their own, or do you really need an attorney for this?

Many thanks!
I would suggest that you do not spend the money for this with your attorney. CA is a NON JUDICIAL foreclosure state. Who would you plead your case to ? the trustee? I think not.

I suggest you read the MERS forclosure process for CA and you will see that you have very little rights in CA

http://www.mersinc.org/Foreclosures/index.aspx

And the foreclosure law for CA. Please note that first mortgage loans that originated in CA after 1993 are all done as NON JUDICIAL

http://stopforeclosure.com/Californi...losure_Law.htm