Mastering RFIs and NOEs: Essential RESPA Tools for Protecting Homeowners in Times of Job Loss

As more federal workers lose their jobs, the number of loan modifications and foreclosures is expected to increase during this challenging period of job transition. Real Estate Settlement Procedures Act (RESPA) has established itself as the most effective tool that any consumer practitioner can use when dealing with mortgage servicers.  Requests for Information (RFIs) and Notices of Error (NOEs) are a necessary information tool, a vital discovery tool, and a sword to attack a mortgage servicer when errors are made.  Most importantly for your clients, RFIs and NOEs serve as a shield that protects their interests.  Now more than ever, consumer attorneys need to know how to prepare proper RFIs and NOEs and how to use the information gathered.  This webinar is geared to beginner attorneys who want to improve their RFIs and NOEs.

What You Will Learn

• • General tips on how to handle judicial foreclosures
  • General tips on how to handle non-judicial foreclosures
  • How to draft Requests for Information and Notices of Errors
  • How to use Notices of Error as a litigation tool
  • How to use Requests for Information as a discovery tool

Speakers

Brian Flick is the managing partner of Dann Law’s Cincinnati Office.  He is a tireless advocate for consumers in Ohio, Kentucky and across the United States.  He has litigated RESPA cases in federal and appellate courts across the country including Alabama, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, Tennessee, and Texas.  He is a Board Member of the National Association of Consumer Bankruptcy Attorneys and is the Ohio Chair of the National Association of Consumer Advocates.

Steve Sharpe is a senior attorney at the National Consumer Law Center (NCLC) focusing on foreclosures and mortgage lending. He leads NCLC’s federal mortgage servicing policy work and frequently presents on mortgage servicing and other housing issues. Steve is a co-author of NCLC’s Mortgage Servicing and Loan Modifications, Home Foreclosures, Too Damn High: How Junk Fees Add to Skyrocketing Rents, and the report How GSE Note Sales Undermine Homeownership, which examines the impact of bulk sales of hundreds of thousands of home loans to investors.

Please note that all live webinars are free to NACA members. If you are a non-member who purchased this webinar or a higher level member, you will be able to access the webinar recording at no additional cost.