How to Fight Foreclosure by Asking Your Lender for Your Mortgage Note
- 1). Go to the Consumer Warning Network and print out the templates for requesting your original mortgage note. See resources for the address.
- 2). If you are in a non-judicial foreclosure state, then you would need to file a lawsuit against your lender to have them produce your original note. There are more details at the Consumer Warning Network.
- 3). The lender has to produce the original note with your signature on it. This is to verify that the company trying to foreclose on you indeed owns your debt.
- 4). Generally companies can produce the note, but during the period when they are looking for the document they cannot kick you out of your home. You may get a month or two of free housing.
- 5). It is very unlikely that you will get your house for free, but this process may allow you to negotiate with the lender for better terms.
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