Escrow Account Errors & Force-Placed Insurance Charges

Your escrow should cover taxes and insurance. When a mortgage company misses a payment or adds costly coverage, fees rise sharply. Then, foreclosure threats can occur.

Get help from a mortgage and escrow lawyer. We can challenge errors in your escrow account, deal with force-placed insurance, secure refunds, and protect your home.

Reach out for a free consultation.

Common Escrow Account Errors

Mortgage company failed to pay property taxes, causing tax liens or penalties
Mortgage company failed to pay the insurance on time
Mortgage company claimed you had no insurance, then bought overpriced force-placed coverage
Loan balance increased suddenly due to insurance charges or tax advances
Unauthorized “property inspection” or “property preservation” junk fees
Inconsistent or confusing escrow account statements

Possible Solutions for Escrow Account Errors

Demand a corrected escrow analysis under RESPA
Challenge force-placed insurance charges and seek refunds
Correct payments and demand a refund of junk fees
Stop foreclosure caused by escrow mistakes
Pursue damages for financial harm under federal and state laws

Get help and a free consultation

Your home is worth protecting.

Your future is worth fighting for.

Smiling parents with two children in front of their brick home after successfully resolving mortgage escrow problems

Their mistake doesn’t have to cost you everything

You trusted your mortgage company to handle your taxes and insurance. But now you’re getting letters about unpaid property taxes. Your insurance lapsed without warning. Your loan balance has jumped overnight. And somehow, you’re the one paying for their mistakes.

Escrow mistakes and force-placed insurance pose serious risks. These include tax liens, foreclosure, property loss, and high junk fees. If your mortgage company messed up your escrow account, you have rights. And you may have strong claims to make them fix it.

How escrow errors happen and why they put your home at risk

Your monthly mortgage payment usually covers more than just principal and interest. It covers your property taxes. It covers your homeowners’ insurance. It ensures that critical bills are paid on time, protecting both you and the lender.

When a mortgage company fails to pay these bills, the consequences land on you. Tax authorities don’t wait. Insurance companies cancel policies without warning. Some companies say they “protected” your home by buying costly force-placed insurance. This can add thousands to your loan balance. One mistake can put your home at risk of tax sale.

How we help fix escrow and insurance mistakes

We help clients get full escrow histories. We challenge wrongful charges and demand corrections before they become permanent. If mortgage companies won’t fix their mistakes, we fight back. We use federal law and consumer protection rules.

Your mortgage company’s mistakes shouldn’t cost you your home. They shouldn’t cost you your peace of mind.

If your mortgage company didn’t pay your taxes, let your insurance lapse, or added force-placed insurance wrongly, we can help.