Legal Question in Consumer Law in Michigan

Re: Deceptive, Abuse, Opportunism of a Mortgage Servicing Company.

With all due respect, I disagree with Mr. Courtright's response about the integrity of mortgage servicers. In my opinion, mortgage lenders and servicers (especially in the subprime market) frequently use illegal tactics and practices to collect money from borrowers they are not legally entitled to. I understand your frustration, but this is a highly specialized area of consumer law; however, your comments about attorneys in general are unfair. Attorneys and law firms work on tight budgets and only take cases they think they can win. Lawsuits are very expensive, law firm overhead is very expensive, and not all attorneys can fund litigation -- especially when he or she is not familiar with the area of law or do not think they can win and the client cannot contribute financially to the expenses incurred during the lawsuit.

I also think you unfairly took your frustration out on Mr. Courtright who used his valuable time to give you free legal advice he thought would benefit you. You are not entitled to free legal representation unless you are a defendant in a criminal case and meet certain criteria. If you want to discuss your mother's issues with the mortgage servicer, call me at 248.679.1552.

Re: Deceptive, Abuse, Opportunism of a Mortgage Servicing Company.

I can't really comment on why other attorneys decline to represent you because I don't know what any specifics of these allegations your are making are. Having said that, I would find it highly unlikely that a mortgage servicing company in a highly regulated environment such as mortgage lending would lack for 'proofs' that you are referring to. Ultimately, maybe what the other attorneys are looking at is that your mother's situation doesn't really require a lawyer. It sounds like you should contact the mortgage servicer 'compare' your proofs with theirs and find out where the confusion lies. If you show a payment being submitted that the servicer hasn't posted, find out through your mother's bank where if the check cleared and who cashed it. If there is misinformation on the credit bureau, get a copy of your credit report and find out what it is. If there is inaccurate information, then file a formal dispute with the credit bureau. The credit bureau will forward your dispute to the company reporting it. If they don't respond within 30 days then the credit bureau assumes the consumer is right and alters the information. Legal action should be your last resort, not your first.