Three nuns are driving down the road when all of a sudden a vampire jumps out in front of the car and blocks their way. The driver yells to the sister in the passenger seat, “Quick! Show him your cross!”
The sister rolls down her window and yells, “Get out of the way, you bloody toothy git!”
And I’m cross too. I’m sure you’ve had the experience of someone telling you, “Oh just do this and that and you’ll have a splendid result.” Splashed across the Internet are agencies wanting to help you with forensic loan audits, the “tidbits” of your loan documents which may have been written or executed incorrectly. What I have yet to see in any of the advertising is a disclaimer that you should check the statute of limitations in your state.
We took the loan to an excellent attorney who informed us that if we had been to see him last October or before, we could have done marvelous things, but as it was, after 4 years in the state of Washington the mistakes on the loan are all yours to enjoy.
Check your state’s code if considering going down this path. It could save you the upfront fee an less-than-forthcoming auditor might charge; they don’t make money if they inform you you haven’t got a legal leg to stand on.
Isn’t that odd? You’re using someone who is potentially unscrupulous to ferret out the unscrupulous bank behavior?