Please seek legal counsel (a litigation attorney would be best) and not listen to a majority of the posts here.

I felt compelled to create an account just to set you straight.

TILA and RESPA violations are FEDERAL issues and have nothing to do with the non-judicial foreclosure process.

TILA and RESPA are statutes that protect consumer credit transactions.
TILA and RESPA require certain disclosures. These disclosures are very specific as to what they must contain, when they are/were given to you, how many copies you recieve, if they were signed (in some cases)...etc.

Many sub-prime loans were shoddy and put together with limited oversight. The benefit to you is that your loan MAY contain issues that render it unenforceable.

If you do not have the required disclosures, you may be entitled to rescind the loan, seek damages, file suit for fraud, etc. etc.

An audit may help if it is done by a qualified auditor. For your own sake, be sure that the auditor is a human and not a software program.

Can this be done on your own?
Yes. However, it is a very complex process.
In order to stop the foreclosure you would need to file a lawsuit.
If it is prepared wrong, the suit will most likely be thrown out of court.

MERS has some control over your rights. If MERS did not disclose their relaqtionship properly (and your attorney is crafty), you may have claims for damages.

Once again, this is not simple stuff.

One final piece of advice. If you are unable to find the TILA and RESPA laws, and understand how they effect you, you probably will not be capable of filling your own lawsuit properly. This is not meant to offend you. You can expect the lenders to have top notch counsel who will tear a poorly constructed lawsuit to shreds. This does not mean that it can't be done.
In theory, you can perform open heart surgery. Just because you can, does not mean that there wont be consequences for the slightest mistake.

Good luck, dont let the "bastads" take your home without a fight.

http://www.hud.gov/offices/hsg/sfh/res/respa_hm.cfm
http://www.fdic.gov/regulations/laws...6500-1400.html
http://dockets.justia.com/search?q=M.E.R.S.+Inc.