Скачать или смотреть Mortgage Dispute Resolution: Fighting Lender Errors in Michigan and Ohio

In the mortgage landscape of Michigan and Ohio, mortgage servicer errors are surprisingly common, but homeowners often feel powerless to fix them. Under the federal Real Estate Settlement Procedures Act (RESPA) and Regulation X, you have a statutory right to demand information and correct errors.

In this video, a Michigan and Ohio attorney explains how to resolve a mortgage dispute without going to court. We break down the "RESPA Response" strategy:

The Notice of Error (NOE): This is your most powerful tool. Once you send a formal NOE, the servicer must acknowledge receipt within 5 days and provide a full written response or correction within 30 days.

The Request for Information (RFI): If you suspect something is wrong but need the bank's records to prove it, an RFI forces the lender to produce your payment history and accounting ledgers.

Escrow Disputes: We look at how to challenge "force-placed insurance" and inaccurate property tax projections that can lead to sudden, massive increases in your monthly payment.

We also discuss Alternative Dispute Resolution (ADR). In Ohio, all 88 counties provide access to Foreclosure Mediation Programs, while Michigan offers MMM (Mortgage Modification Mediation) through the bankruptcy courts to help homeowners and lenders reach a consensual agreement. Whether you are facing a billing error or an imminent foreclosure, understanding the difference between a "customer service complaint" and a "statutory notice" is the only way to hold your lender accountable.

✅ In this video, a Michigan and Ohio attorney explains Notice of Error protocols, escrow account rights, and state-specific mediation programs.

Disclaimer: This video is for educational purposes only and does not create an attorney-client relationship.

Among legal topics covered in this video:

RESPA & TILA Protections: The federal "hammer" used to force lenders to acknowledge and fix account inaccuracies.

Notice of Error (NOE): How to properly draft a letter that legally forces a servicer's investigation.

Qualified Written Requests (QWR): Understanding the formal communication that prevents the lender from reporting you to credit bureaus during the dispute.

Escrow Accounting Errors: Fighting "force-placed" insurance and incorrect tax disbursements.

Ohio Foreclosure Mediation: Utilizing the 11-step model designed by the Supreme Court of Ohio to resolve disputes.

Tender Defense: How to legally "tender" the undisputed portion of your payment to prevent a default while fighting the disputed portion.

Michigan & Ohio attorney David Soble and the Soble Law team are dedicated to the success of their clients in the areas of real estate, contracts, and financial disputes. As part of our commitment, we actively write, publish, and create books, articles, podcasts, slide presentations, and newsletters—all designed to simplify complicated legal concepts related to real estate and finance.

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