When an unfamiliar bank termed as a Trustee for a securitized trust sends you a letter stating you owe them money and you are in default, the first thing you should do is contact a local title company and have them look for an Assignment of Mortgage under your address or tax key number. Chances are the Assignment of Mortgage is fabricated and void.
The following information will assist you in searching the Securities and Exchange Commission (SEC) for the alleged trust.
When you have the name of the Trust and a copy of the Assignment research the securitized trust on the Securities and Exchange Commission (SEC) website
Reading the securitized Trust will help you know more about the securitization scheme. You will likely get a warning from various investors on the behaviors of some Trusts. These are at the Free Writing Prospectus Supplement (FWP). In some instances, the term Loan tape will be found in some Trusts. In the Loan tape, the alleged loans are listed name. The loan tape is an FWP.
When you have found the Trust, you can order a certified copy from the SEC, which will be addressed to the judge.
One thing to know about is the whistleblower. Whistleblowers know securities law violations which are important in identifying any potential fraud and other violations. If your assignment was made after the Closing Date of the trust, you can file and form and upload the fabricated Assignment of the Mortgage.
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