FDP MODULE 5 – DOCUMENT AND TRACK EVERYTHING!!!!
Everything that happens concerning your mortgage should be tracked. From phone calls from your servicer to letters received from your servicer to letters you may send your servicer. Letters sent to you by the lenders attorney or the trustee etc. You should record every phone call from your servicers. (check requirements of your state first) Most calls can be recorded if at least one person knows that it is being recorded.
Create a spreadsheet and track all documents sent to you or by you. Scan and sort all of your documents in case you need to email them to an expert. Make sure they are titled properly, such as when you scan your deed of trust list it as “deed of trust”. All phone calls received by you or made by you regarding your mortgage should be recorded or at least tracked and notes should be taken of the conversation. The key to winning a lawsuit is to have documentation proving what you are alleging.
Basic Document Management
One way to increase the overall efficiency of your document management is simply to use your existing file-system tools in an agreed upon, standardized fashion. For instance, naming a document “20120301_DEED OF TRUST_SMITH_RECORDED” instead of “Deed of trust.doc” is a rudimentary form of document management. By including the document date 20120301 for Mar. 3, 2012 you know immediately the date of the document. Then list the name of the document, your name as client, and whether it was signed, recorded or whatever (or other descriptive data) your document will be easier to locate when you’re looking for the deed of trust recorded on Mar. 3, 2012, as opposed to other erstwhile “Smith” correspondence. Arranging documents on a
computer or file server in standard sub-folders, with meaningful names and topics, can also be useful when managing documents.
For homeowners with a manageable level of document output, these basic document storing techniques may suffice, especially if all document editors understand the conventions and stick by them. But this kind of process can be difficult to impose and enforce effectively, especially if the homeowners choose to implement their own variations on what could be an easy labeling system.
One huge advantage of this system is that it names and stores your documents using a standardized, organization-wide convention, something that can be difficult to maintain otherwise, especially given a typical nonprofit’s turnover rate and dependence on volunteers. What’s more, most files will track not just the date the file was last modified (as Windows does), but also the date the document was originally created — which is often more useful in finding a particular document.
By using a standardized labeling system for your digitized documents it makes using a third party such as a document expert or attorney easier as they get can better find all of your documents with ease to offer research or opinions of those documents. Please make sure you either have a multi-functional printer or access to one when scanning your documents. It can be a nightmare trying to gather and sort documents taken one page at a time by a cell phone. Also make sure all document pages are scanned together or in order. Nothing makes it harder for a foreclosure fraud investigator or an attorney than getting documents and having to either sort them or pull out staples to scan them.
Another item that can be useful to your foreclosure defense would be a recounting of your day and the signing table. Because we all know that document signings are done fast and without full disclosure or explanation. Write up as detailed account of your closing as you can remember.
1. The name of the Title Officer
2. Were you rushed or given plenty of time to review documents
3. Were you given signed copies of your documents after the signing or given unsigned copies of your documents prior to the signing
4. Were you told the process needed to speed up due to another signing that was scheduled? 5. Did you ask the Title officer or loan officer if you could get your documents prior to signing to review them? 6. What did they say? Did they tell you why you could not review your loan documents 2 or 3 days prior to the signing of them?
7. Did they make any promises that they did not fulfill at the closing table?
8. How did they answer questions you had about certain documents? Were they complete answers or just brush offs?
9. Did they give you two copies of your notice of rescission document?
10. Did they tell you that you could stop the transaction and rescind the transaction within 3 days of signing your documents?
11. Did they give you written notification of that statement?
Anything you can remember about the day you signed your loan documents that you can may be useful to any third party that might help you defend your foreclosure or help you with a wrongful foreclosure case. Having a detailed accounting of your signing of the loan documents can prove invaluable to your case and to anyone helping you with that case.
Documents and Materials
As mentioned above. In order to take on the foreclosing party and win your case against them, you will need to keep detailed records of mortgage or foreclosure documents, communications, and court documents filed against you. In this power point we will go over the documents you will need and the items you will need to keep the best track of. your progress and your case.
Now that you have gathered all the documents you will need in your quest to save your property, now lets go over all of the materials you will need to keep good track of everything concerning your case.
1. Colored File Folders
These will be useful when organizing your documents initially. Put all your recorded documents in one colored folder, your communication documents in another, and your closing documents in yet another. And a Misc. Folder for Miscellaneous Documents.
2. Multi-Purpose Printer
A Multipurpose scanner-printer can save you an enormous amount of time and money keeping your documents organized This HP sells for Under $ 100.00. You should scan all of your documents so that you have digital copies of everything concerning your foreclosure Defense. Having digital copies of everything concerning your case can really make it much much easier for 3rd parties such as attorney’s, paralegals, auditors, and other experts working on your case to examine documents easily and quickly.
Because with the administrative processes talked about in a previous chapter you will be using the post office quite a lot to send documents to the foreclosing parties. And you will need some post office supplies in order to do that. Listed below are documents you can pic up at your nearest Post Office.
Green Certified Mail Receipts