The following has been borrowed in great part from a letter written by Senator Whitehouse to Attorney General Holder. I have made some modifications: please make your own changes as needed (i.e. name of your lender).
Date/print/sign and MAIL! Written correspondence generally carries more weight with officials and is logged in accordingly.
Eric H. Holder, Jr.
Attorney General of the United States
U.S. Department of Justice
950 Pennsylvania Avenue, NW
Washington, D.C. 20530
Dear Attorney General Holder:
I commend you for your announcement that the Department of Justice is examining recent reports of wrongdoing by mortgage servicers and their agents in foreclosure proceedings. With millions of American families facing foreclosure this year, it is offensive appalling to find these reports of reckless behavior in a process that devastates the families involved. Loan servicers should make every effort and take every care to avoid an outcome which may leave a family without a home. In circumstances where no reasonable efforts can postpone an inevitable foreclosure, the homeowner deserves a respectful and supervised foreclosure process.
I ask that you launch a formal criminal investigation of foreclosure practices at major loan servicers and that you vigorously prosecute those who have cut corners with foreclosure actions and mortgage fraud. As foreclosure rates continue across the country, offenders must be brought to swift justice to deter future wrongdoing.
The experiences for customers dealing with these big banks and servicers has been more stressful than necessary due to reported deceptive practices, lack of proper disclosure and lack of good faith by the lenders . Foreclosure should be a final resort, to be exercised with care and only when reasonable efforts to modify mortgages fail. Thank you for your prompt attention to this sensitive and urgent request.
Sincerely,
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