Mortgage Errors & Wrongful Foreclosures

Misapplied payments, escrow errors, or wrongful foreclosure?

Get help from a mortgage lawyer. They can make your mortgage company fix records, stop foreclosure, and pay damages. Use RESPA, TILA, and state consumer-protection laws to support your case.

Reach out for a free consultation to learn how a Maryland and DC housing lawyer can help you protect your home.

Mortgage errors don’t fix themselves, but you can fight back.

Mortgage problems can escalate from paperwork mistakes to threats. One missed payment can lead to junk fees, scary letters, and default notices. It may also push you toward wrongful foreclosure. But not every default is your fault. And not every foreclosure is legal.

Mortgage companies cut corners. They misapply payments, mess up escrow accounts, or add unnecessary insurance. Then, they refuse to fix the issues. Why? Because the system rewards speed, not accuracy.

The law aims to protect homeowners, but homeowners don’t always find it simple to use. That’s where we come in. We help people fight back. This could be about a payment the mortgage company “can’t find” or a foreclosure that shouldn’t happen.

Concerned homeowner on the phone reviewing a mortgage statement and taking notes at her kitchen table.

Common Mortgage Errors

  • Misapplied or missing payments
  • Escrow errors, like missed tax or insurance payments by the mortgage company
  • Force-placed insurance that costs more than your own policy
  • Trial modifications revoked without explanation
  • Mortgage companies ignoring loss mitigation rules or deadlines
  • Improper fees or charges, including inspection fees, property preservation, or late fees during bankruptcy

When these issues lead to foreclosure

Small errors can have huge consequences. If a mortgage company claims you didn’t pay (even when you did), they can mark your loan delinquent. That triggers fees. The fees push up your balance. The higher balance triggers default. From there, things move fast.

Some people are offered help, but don’t know if it’s real. Others apply and hear nothing back. Some are told their loan is under review, then they get a foreclosure notice.

That’s called dual tracking. It’s illegal. But the system won’t stop it unless you make it.

Know Your Rights.

Federal laws like RESPA and TILA give you the right to clear statements, fair treatment, and real answers. Some investor rules and government programs may also help.

But some rights have deadlines. Others only work if you send the right paperwork, the right way, at the right time. That’s where we come in.

We know how mortgage companies operate. We’ve seen the playbook. And we help clients use the law to fight back before time runs out.

Get help and a free consultation
01

Misapplied Payments


If a mortgage company misapplies your payments, your balance may seem off. This can lead to your loan going into default, and then fees can pile up quickly. Many borrowers end up fighting foreclosure even though they made every payment. If your statements don’t add up, there are ways to correct the record.

02

Escrow Errors, Force-Placed Insurance, and Junk Fees

When mortgage companies mishandle escrow accounts, borrowers suffer. They face tax liens, insurance lapses, force-placed insurance, and junk fees. These mistakes can cost thousands on a loan. They often lead people toward foreclosure without warning. If your taxes weren’t paid or your balance jumped without explanation, you may have a claim.

03

Wrongful Foreclosure


A foreclosure notice doesn’t always mean it’s too late. If something feels off, or if you’re having trouble, don’t wait. There might still be time to protect your home. Ask for help now.




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