Equitas
provides real and effective options and solutions to consumers who
have been victimized by unfair and deceptive predatory mortgage
lending practices. If you believe that you may be a victim of
predatory lending, our EMS Comprehensive Investigation
will arm you with the proof necessary in order to turn the tables on
your predatory lender. We are not looking to simply provide a
temporary fix to your situation. Our goals are to take you out of
that loan, that is a losing proposition, and into a more affordable
and therefore more sustainable loan that will lower the chances for
default.
Our team of auditors and attorneys will review
your closing documents and statements in detail to find errors,
miscalculations, discrepancies and violations of federal and state
consumer protection statutes such as
The Truth-in-Lending Act (TILA),
The Real Estate Procedures and Settlement Act (RESPA),
The Equal Credit Opportunity Act (ECOA),
The Home Owner Equity Protection Act (HOEPA),
The Fair Housing Act (FHA) &
Unfair and Deceptive Acts or Practices (UDAP).
We also identify fraud, misrepresentation, unfair and deceptive
acts, breach of contract, unconscionability and claims under other
theories of law. These laws are strictly enforced in order to
prevent lenders and their associates from taking advantage of
consumers or misleading them as to the actual cost of credit.
Once the due diligence investigation is completed,
Equitas and its in-house attorneys, who are experienced in
this type of law, will then attempt to negotiate with your lender on
your behalf using the audit findings as leverage in order to achieve
a favorable settlement. One of our main focuses of the settlement
process will be to protect your most valuable asset, your home.
Equitas focuses on keeping you, the consumer, in your home
through a more favorable and sustainable loan.
- Some of the possible results of our investigation and fruitful
negotiations may lead to:
- Recouping of overcharges with back interest
- Compensation based on the violations uncovered
- Modification of your loan to a prime fixed rate
- Modification of your loan through Principal Reduction
To FIND OUT HOW TO TURN THE TABLES on
predatory lenders: Click Here
