I am really glad that you posted this gigi. TILA and RESPA are very powerful laws and they need to be addressed by EVERYONE that is facing foreclosure or attempting a loan modification. A simple review of all your loan documents and disclosures may reveal that you are in fact the victim of
predatory lending or mortgage fraud.
Many people will go into foreclosure and lose their homes, never knowing that they were victims and that they could have fought back, fixed their loan and even recoup a lot of money in the process.
These laws are in place to protect consumers and consumers need to start using these laws to protect themselves or else they are just letting these guys make you victims twice and that isn't right.
So stand up, get educated and fight back to save our homes!