STEP ONE - We file a Qualified Written Request with lending institutions in order to obtain a complete set of borrower’s loan documents. (Learn More)

STEP TWO - Our proprietary software analyzes loan documents for violations according to:

• Real Estate Settlement & Procedures Act (RESPA)
• Truth in Lending Act (TILA)
• Equal Credit Opportunity Act (ECOA)
• Fair Credit Reporting Act (FCRA)

STEP THREE - Our Equity Analysts manually search each page of loan documents to uncover missing documents, predatory lending practices, forgeries, misrepresentations and violations including:

• Constructive Fraud
• Breach of Contract
• Excessive Fees
• Fraud and Negligent Misrepresentation

STEP FOUR - We generate a detailed report of all violations on the part of lenders in loan documents that can be used by loan modification companies and attorneys to gain leverage with lenders in negotiating loan modifications.