Michigan Sample Letter to Foreclosure Attorney - Payment Dispute

• Category: Letters - Legal - Foreclosures
• State: Multi-State
• Control #: US-0511LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: Payment Dispute — Urgent Assistance Requested Dear [Foreclosure Attorney's Name], I hope this letter finds you well. My name is [Your Full Name], and I am writing regarding my ongoing mortgage foreclosure case, bearing case number [Case Number], currently being handled by your esteemed law firm. I regret to inform you that a serious payment dispute has arisen as a result of a discrepancy in my mortgage account. It has come to my attention that there are significant errors in the repayment schedule provided by [Lender's Name]. I have diligently made timely payments towards my mortgage, but it seems that these irregularities persist despite my efforts to resolve them directly with the lender. I kindly request your prompt attention to this matter, as it is greatly affecting my financial stability and the possibility of me retaining my home. Furthermore, I am genuinely concerned that these discrepancies may lead to further consequences, such as foreclosure, if left unresolved. To provide you with a clearer understanding, I have outlined the key concerns related to my payment dispute: 1. Misapplied Payments: While reviewing my mortgage statements, I discovered that multiple payments have been inaccurately applied, causing a skewed balance and incorrect delinquency measurements. I have ample proof of my timely payments, including bank statements and canceled checks, which contradict their records. 2. Miscalculated Corrective Actions: In an attempt to rectify the issue, I contacted the lender's customer service repeatedly. However, the corrective actions they have undertaken so far have only exacerbated the problem. I believe an intervention from your professional expertise is vital to resolve this matter fairly. 3. Inconsistent Escrow Accounting: Furthermore, my escrow account funds have been severely mishandled by the lender, leading to an unwarranted increase in my monthly payments. Upon investigation, I discovered that my property tax and insurance payments have not been made promptly, despite consistently funding the escrow account. This negligence has put my home at risk and further aggravates the situation. Given the severity of the situation, I kindly request these immediate actions from your office: 1. Conduct a Thorough Case Review: I urge you to conduct an in-depth review of my foreclosure case, scrutinizing each payment discrepancy and comparing it thoroughly against my records. This will help us identify the cause of the problem and determine an appropriate course of action. 2. Engage with the Lender: Please liaise directly with [Lender's Name] on my behalf, ensuring they fully recognize and address the reported issues. Kindly stress the urgency of resolving this dispute without further delay, as it directly affects my ability to maintain occupancy of my home. 3. Negotiate Possible Compensation: Explore the possibility of appropriate compensation for the inconvenience, stress, and potential damages that have ensued as a result of the lender's errors and mishandling. This may involve discussing potential waivers, fee reductions, or other forms of appropriate restitution. In conclusion, I am greatly hopeful that your expertise and dedication, combined with your knowledge of Michigan foreclosure law, will help alleviate the burdensome situation I currently find myself in. I understand that timelines are crucial, so I kindly request your prompt intervention to prevent further escalation. I genuinely appreciate your attention to this matter and look forward to a positive resolution to this ongoing payment dispute. Please keep me informed throughout the process, providing updates on any progress or developments. Thank you for your utmost support and understanding. Sincerely, [Your Full Name] [Your Contact Information]

Subject: Payment Dispute — Urgent Assistance Requested Dear [Foreclosure Attorney's Name], I hope this letter finds you well. My name is [Your Full Name], and I am writing regarding my ongoing mortgage foreclosure case, bearing case number [Case Number], currently being handled by your esteemed law firm. I regret to inform you that a serious payment dispute has arisen as a result of a discrepancy in my mortgage account. It has come to my attention that there are significant errors in the repayment schedule provided by [Lender's Name]. I have diligently made timely payments towards my mortgage, but it seems that these irregularities persist despite my efforts to resolve them directly with the lender. I kindly request your prompt attention to this matter, as it is greatly affecting my financial stability and the possibility of me retaining my home. Furthermore, I am genuinely concerned that these discrepancies may lead to further consequences, such as foreclosure, if left unresolved. To provide you with a clearer understanding, I have outlined the key concerns related to my payment dispute: 1. Misapplied Payments: While reviewing my mortgage statements, I discovered that multiple payments have been inaccurately applied, causing a skewed balance and incorrect delinquency measurements. I have ample proof of my timely payments, including bank statements and canceled checks, which contradict their records. 2. Miscalculated Corrective Actions: In an attempt to rectify the issue, I contacted the lender's customer service repeatedly. However, the corrective actions they have undertaken so far have only exacerbated the problem. I believe an intervention from your professional expertise is vital to resolve this matter fairly. 3. Inconsistent Escrow Accounting: Furthermore, my escrow account funds have been severely mishandled by the lender, leading to an unwarranted increase in my monthly payments. Upon investigation, I discovered that my property tax and insurance payments have not been made promptly, despite consistently funding the escrow account. This negligence has put my home at risk and further aggravates the situation. Given the severity of the situation, I kindly request these immediate actions from your office: 1. Conduct a Thorough Case Review: I urge you to conduct an in-depth review of my foreclosure case, scrutinizing each payment discrepancy and comparing it thoroughly against my records. This will help us identify the cause of the problem and determine an appropriate course of action. 2. Engage with the Lender: Please liaise directly with [Lender's Name] on my behalf, ensuring they fully recognize and address the reported issues. Kindly stress the urgency of resolving this dispute without further delay, as it directly affects my ability to maintain occupancy of my home. 3. Negotiate Possible Compensation: Explore the possibility of appropriate compensation for the inconvenience, stress, and potential damages that have ensued as a result of the lender's errors and mishandling. This may involve discussing potential waivers, fee reductions, or other forms of appropriate restitution. In conclusion, I am greatly hopeful that your expertise and dedication, combined with your knowledge of Michigan foreclosure law, will help alleviate the burdensome situation I currently find myself in. I understand that timelines are crucial, so I kindly request your prompt intervention to prevent further escalation. I genuinely appreciate your attention to this matter and look forward to a positive resolution to this ongoing payment dispute. Please keep me informed throughout the process, providing updates on any progress or developments. Thank you for your utmost support and understanding. Sincerely, [Your Full Name] [Your Contact Information]