Contra Costa California Sample Letter to Foreclosure Attorney to Provide Verification of Debt and Cease Foreclosure

• Category: Letters - Legal - Foreclosures
• State: Multi-State
• County: Contra Costa
• Control #: US-0509LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Foreclosure Attorney's Law Firm] [Address] [City, State, Zip Code] Subject: Verification of Debt and Cease Foreclosure for Property in Contra Costa, California Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing as the homeowner residing in Contra Costa, California, seeking immediate assistance and clarification regarding the foreclosure proceedings on my property, located at [property address]. I am aware that as a homeowner, I have the right to request verification of debt, as stated under the Fair Debt Collection Practices Act (FD CPA) and the California Homeowner Bill of Rights (HBO). Furthermore, I kindly request that you provide me with the necessary documentation to verify the debt associated with the foreclosure action against my property. In order to provide valid verification of the debt, I specifically request the following information: 1. Original loan agreement: I request a copy of the original loan agreement, including all amendments. 2. Payment history: Please provide a detailed account of all payments made towards the mortgage for the period of [start date] to [end date]. This includes the breakdown of principal, interest, fees, and any other charges. 3. Itemized accounting: I ask for an itemized accounting of all fees, charges, and expenses added to the mortgage since its origination. This includes any late fees, legal fees, inspection fees, and any other assessments that have been levied against my account. 4. Assignment of debt: Please provide documentation that establishes the ownership and authority of the current mortgage service to foreclose on my property. 5. Chain of title: I respectfully request the chain of title for my mortgage loan, including any assignments of mortgage from the original lender to the current service. I firmly believe that obtaining these documents is not only my legal right as a homeowner but also essential for ensuring fair and accurate foreclosure proceedings. I kindly request that you provide the aforementioned information within 30 days from the receipt of this letter. Furthermore, I understand that under the California Homeowner Bill of Rights, foreclosure proceedings should be ceased until proper verification of debt is delivered to the borrower. Therefore, I request an immediate halt to any foreclosure actions until the requested documents are provided, reviewed, and verified. Should you require any additional information or have any questions regarding this matter, please do not hesitate to contact me at [phone number] or via email at [email address]. I request that all communication be conducted in writing to maintain an accurate record of our correspondence. Thank you in advance for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this issue swiftly and amicably. Sincerely, [Your Name]

[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Foreclosure Attorney's Name] [Foreclosure Attorney's Law Firm] [Address] [City, State, Zip Code] Subject: Verification of Debt and Cease Foreclosure for Property in Contra Costa, California Dear [Foreclosure Attorney's Name], I hope this letter finds you well. I am writing as the homeowner residing in Contra Costa, California, seeking immediate assistance and clarification regarding the foreclosure proceedings on my property, located at [property address]. I am aware that as a homeowner, I have the right to request verification of debt, as stated under the Fair Debt Collection Practices Act (FD CPA) and the California Homeowner Bill of Rights (HBO). Furthermore, I kindly request that you provide me with the necessary documentation to verify the debt associated with the foreclosure action against my property. In order to provide valid verification of the debt, I specifically request the following information: 1. Original loan agreement: I request a copy of the original loan agreement, including all amendments. 2. Payment history: Please provide a detailed account of all payments made towards the mortgage for the period of [start date] to [end date]. This includes the breakdown of principal, interest, fees, and any other charges. 3. Itemized accounting: I ask for an itemized accounting of all fees, charges, and expenses added to the mortgage since its origination. This includes any late fees, legal fees, inspection fees, and any other assessments that have been levied against my account. 4. Assignment of debt: Please provide documentation that establishes the ownership and authority of the current mortgage service to foreclose on my property. 5. Chain of title: I respectfully request the chain of title for my mortgage loan, including any assignments of mortgage from the original lender to the current service. I firmly believe that obtaining these documents is not only my legal right as a homeowner but also essential for ensuring fair and accurate foreclosure proceedings. I kindly request that you provide the aforementioned information within 30 days from the receipt of this letter. Furthermore, I understand that under the California Homeowner Bill of Rights, foreclosure proceedings should be ceased until proper verification of debt is delivered to the borrower. Therefore, I request an immediate halt to any foreclosure actions until the requested documents are provided, reviewed, and verified. Should you require any additional information or have any questions regarding this matter, please do not hesitate to contact me at [phone number] or via email at [email address]. I request that all communication be conducted in writing to maintain an accurate record of our correspondence. Thank you in advance for your prompt attention to this matter. I look forward to receiving the requested documentation and resolving this issue swiftly and amicably. Sincerely, [Your Name]