An Advocate For Mortgage Borrowers

As a mortgage borrower, you have a right to trust those you work with in buying your home. This includes real estate agents, lenders and mortgage servicers. It may be the first time that you have worked with such professionals.

Unfortunately, these professionals do not always abide by the law. They may take advantage of your circumstances for the purposes of financial gain. Or they may perform sloppy work that can lead to you losing your home and investment. Under such circumstances, you need to turn to our seasoned attorneys and staff at Kurland Law Group in Rockville, Maryland.

A Law Firm Accustomed To Taking On Challenging Cases

Our team can make a difference in assisting homeowners and real estate investors who find themselves in a quandary due to circumstances that they could not have anticipated. Our attorneys at Kurland Law Group have extensive experience litigating difficult and challenging cases. We focus on effective strategies that will compensate those wronged due to mortgage fraud and foreclosure errors. Our attorneys provide representation in cases involving:

  • Real Estate Settlement Procedures Act (RESPA) claims: RESPA requires mortgage lenders to disclose charges and fees borrowers will need to pay during the closing process. RESPA violations arise when the lender fails to make such disclosures. The failure to provide information may lead to the extension of a loan or the payment of excessive fees by the borrower.
  • Fair Debt Collection Practices Act (FDCPA) and Maryland Fair Debt Collection Practices Act (MDCPA) violations: FDCPA violations arise when debt collectors violate federal laws pertaining to the collection of debts. The MDCPA provides additional protections to lenders when it comes to debt collection practices.
  • Fair Credit Reporting Act (FCRA) violations: The FCRA regulates the reporting and use of consumer credit information. Lenders must be truthful in the dissemination of such data and can be held liable for misreporting information that can impact credit ratings or otherwise hamper a buyer's ability to finance or pay for a home.
  • Mortgage servicing rule violations under the Real Estate Settlement Procedures Act or Regulation X: Regulation X requires mortgage lenders, brokers and servicers of these loans to provide pertinent and timely disclosures concerning costs of the real estate settlement process.
  • Regulation Z or mortgage servicing rule claims: Among its many provisions, Regulation Z protects consumers from being subjected to unfair, abusive or deceptive lending and servicing practices by mortgage lenders. It also requires mortgage lenders to provide several disclosures so that borrowers are fully aware of the conditions of loans.

Some lenders may rely on improper business practices to gain personal financial advantage. This may lead to the extension of your loan or the paying of excessive fees. Borrowers may find themselves facing financial difficulties and the loss of their home. At such moments, it is important to hire the legal services of an attorney who will aggressively defend your interests.

Banking Errors Can Sometimes Lead To Wrongful Home Foreclosures

You may be struggling to make your mortgage payments. Yet there are instances when lenders make mistakes. Banks may fail to abide by the terms of a loan agreement concerning loan modifications. Lenders may fail to apply payments properly, resulting in additional fees, inaccurate credit reporting and even a notice of foreclosure from your bank. Certain errors are so egregious that they could lead to foreclosure action or even a foreclosure sale. In such instances, you must respond quickly.

Our attorneys hold banks and other lending institutions accountable for such errors. We will take immediate action and work toward negotiating the most favorable resolution of your matter. When necessary, we can litigate your matter in court. We routinely litigate cases in both federal and state court.

An Experienced Law Firm That Gets Results

If you believe that a mortgage lender, bank or mortgage servicer has behaved unethically or unprofessionally, contact us at 301-637-0354. We are Kurland Law Group in Rockville, Maryland. Our lawyers have extensive experience with mortgage- and lending-related cases.