Falling behind on your mortgage can feel overwhelming. The stress of missed payments, late notices, and the fear of foreclosure is heavy enough. But what happens if your lender/servicer makes a mistake—or worse, treats you unfairly?

The good news: you have rights, and there are protections in place to help you. At United Capital Mortgage Assistance (UCMA), we believe every homeowner deserves clear information about loan modification help and foreclosure prevention.

Common Situations Where Lenders Get It Wrong

1. Misapplied or Lost Payments

• What happens: You make a payment, but the servicer applies it incorrectly or claims it wasn’t received.
• Your protection: Federal law requires servicers to investigate and fix errors when you notify them in writing.
• Who to contact: File a complaint with the Consumer Financial Protection Bureau (CFPB) or Office of the Controller of the Currency at HelpWithMyBank.gov.

2. Foreclosure While You’re Seeking Help (Dual Tracking)

• What happens: You’re applying for a loan modification, but the lender continues foreclosure proceedings.
• Your protection: Federal rules prohibit foreclosure while a complete loan modification application is under review.
• Who to contact: CFPB, your state attorney general’s office, or a foreclosure defense attorney.

3. Ignoring Requests for Loan Modification Help

• What happens: You ask for mortgage relief options like forbearance or repayment plans, but the servicer delays or ignores your request.
• Your protection: Servicers must evaluate homeowners for available options before moving forward with foreclosure.
• Who to contact: HUD housing counselors (call 800-569-4287) or file a complaint with the CFPB.

4. Improper Fees or Charges

• What happens: Servicer adds inspection fees, late fees, or other charges not allowed by your loan agreement.
• Your protection: You can dispute charges under federal and state consumer protection laws.
• Who to contact: CFPB or your state banking regulator.

5. Incorrect Credit Reporting

• What happens: Even after entering a loan modification or repayment plan, your servicer reports you as delinquent.
• Your protection: The Fair Credit Reporting Act (FCRA) allows you to dispute inaccurate credit reporting.
• Who to contact: File disputes directly with Equifax, Experian, and TransUnion, and escalate through CFPB if needed.

How to Reach Out for Help

• CFPB: Submit complaints online at consumerfinance.gov/complaint.
• HUD Housing Counselors: Call (800) 569-4287 for free foreclosure prevention counseling.
• State Attorney General: Visit your state AG’s website or call their consumer protection division.
• Legal Aid: Search “legal aid + your county/state” for local offices.
• Credit Bureaus: File disputes directly on their websites.

UCMA’s Role in Protecting Homeowners

At UCMA, we specialize in loan modification help and foreclosure prevention. We guide homeowners through the process, ensure lenders follow the rules, and provide trusted resources so you don’t have to face this alone.

Whether you’re disputing fees, applying for a modification, or fighting foreclosure, UCMA is here to help you protect your home and your future.

Final Word

If your lender makes mistakes while you’re behind on your mortgage, remember: you are not powerless. Federal and state laws give you protections, and organizations like UCMA can stand by your side. Contact UCMA.

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