15 articles curated by the roster // agent
Mohan Harihar did not hire an attorney. He did not accept defeat. He found the document the banks did not want found — and the attorneys who tried to take his home ran for the exits.
Most homeowners do nothing for 60 days, then panic. The servicer is counting on exactly that.
Four hundred years before MERS existed, English courts of Chancery established an iron rule: the note and the mortgage are one. You cannot separate them. The industry built a trillion-dollar securitization machine on the assumption that you would never look up what that rule actually said.
The bank threatening to take your home may not legally own your loan. They may not even know who does. The chain of title is the most lethal weapon you have — and you have never been told about it.
The servicer does not want you to know about RESPA. One properly written letter creates a legal obligation they cannot ignore. Their response — or silence — becomes your evidence.
When the foreclosure sale is days away, the servicer is counting on your paralysis. They are not counting on you filing a TRO, invoking bankruptcy, or forcing them to prove standing. Here is the emergency playbook they do not want you to read.
The servicer has lawyers, paralegals, and a document management system that knows where every file is. You have a filing cabinet and a phone. Your evidence locker is not just organization. It is your legal weapon.
Select Portfolio Servicing filed a corporate assignment signed by an 'Assistant Secretary' whose signing authority had legally vanished 180 days prior. The bank's lawyers thought no one would check. The engine did.
LoanCare acknowledged a loan modification review by certified mail while simultaneously rushing a Motion for Summary Judgment. This is not a mistake. It is a federal Dual-Tracking Breach under RESPA Regulation X.
Jeremy Miner's Neuro-Emotional Persuasion Questioning framework is not a sales tactic. It is a psychological weapon for homeowners who have been trained to surrender.
The 'Ask Jeremy' conversational pivot is not a sales pitch. It is a pattern-interrupting question that forces homeowners to confront the reality of their own inaction.
A denial letter is a procedural document. What it rarely tells you is whether the entity that denied you had the legal right to service your loan in the first place.
Long before county recorders and mortgage servicers, English courts built an entire system of land law around one concept: actual possession. They called it seisin. And the rules they built around it explain exactly why a gap in your chain of title is not a paperwork error — it is a structural defect in the foreclosing party's claim.
Since at least the early 1700s, English and American courts of equity have imposed a specific burden on any party claiming to enforce a lost instrument: prove the loss, prove you had it, and post security against the day the original surfaces in someone else's hands. Banks claiming a lost note in your foreclosure are subject to a legal doctrine older than the United States — one they are betting you have never heard of.
Congress passed RESPA in 1974. The duty it codified — the servicer's obligation to account for every dollar received and applied on your loan — existed in courts of equity for at least a century before that. The statutory violation your servicer committed may also be a violation of something far older, with remedies RESPA itself does not provide.