What to Gather Before Hiring a Foreclosure Attorney or Audit Firm

A better intake package reduces cost and speeds strategy. Organize records first, then pay for deeper analysis where it matters.

• Loan documents and recorded assignments
• Recent statements and any full payment history
• All default letters, foreclosure pleadings, and transfer notices
• Any dispute letters and servicer responses

Borrower Review Framework

Borrowers usually get better results when they organize concerns into a timeline instead of a list of frustrations. Start with the month where the account changed the most, then track what changed in payment amount, escrow, fees, delinquency status, and notices. Tie each change to a document. If a change cannot be tied to a supporting record, flag it for follow-up. This framework helps separate true account defects from normal loan events.

A practical review also compares what the servicer told you against what the ledger and statements show. If a representative says one thing but statements, letters, or notices show something else, keep both versions in the file. In many foreclosure files, inconsistency itself becomes a key issue, especially when account figures are used to accelerate, deny a workout, or quote reinstatement terms.

Evidence Package That Helps Counsel Move Faster

• 12 to 24 months of statements around the disputed period
• Bank proof of payment for disputed months
• Default and acceleration notices with dates
• Workout or modification correspondence and submission receipts
• Servicing-transfer and ownership letters
• Escrow analyses, tax/insurance records, and fee details
• RFI and NOE letters plus proof of delivery

Once this package is assembled, counsel can evaluate leverage and timing much faster. If you want a screening first, use the free online audit and provide this timeline package so we can identify high-value issues before you spend more on deeper review.