The bank must answer your questions about the loan and agreement; however, they don’t want to because the answers may reveal mistakes fraud, misrepresentations, unjust enrichment and a host of Truth in Lending disclosure violation and violations or other law like RESPA, HOEPA, Fair Debt Collection Practices Act, etc…. However, they are required to answer your “Qualified Written Requests” and this can be used in your foreclosure or pre-foreclosure situation to bring the bank to the bargaining table.

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