ASK NEIL GARFIELD A QUESTION
Yes! You Can Ask a Question!
If you have already had a consult or already ordered and received a TERA, you might have a remaining question about which you need clarification. Please keep in mind that your question is limited to one and must not require a review of any documents in order for Mr. Garfield to adequately answer your question.
Your question will be answered by Neil Garfield as thoroughly as possible - usually within 24 hours of receipt. Keep in mind that questions with multiple subparts will not be answered within the scope of this service. For that you need a consult and probably at least a Preliminary Document Review (PDR or PDR+).
Upon completion of checkout, you will be redirected to a form where you will submit your question. If you are unsure about how to phrase your question, below are some examples that you can use as a guide.
Please take note that the question and answer are for general information and should never be used as a substitute for legal advice from an attorney licensed to practice in the jurisdiction in which your case is located.
Commonly Asked Questions
- What is the main strategy that gets traction in the courts for homeowners?
- What is the difference between a subpoena and a notice of taking deposition?
- Do homeowners win foreclosure cases?
- When should I send a Qualified Written Request (QWR)?
- When should I send a Debt Validation Letter (DVL)?
- What's the point of sending a Qualified Written Request or Debt Validation Letter?
- When should I send complaints to my state's Attorney General and the Consumer Financial Protection Board?
- Why is a TERA report necessary? What can I do with it?
- How do I deal with a servicer who is misapplying my payments?
- Do REMIC Trusts actually own the loans?
- How do determine the identity of the obligee (creditor) for my debt?
- Is "holder of the note" the same as owner of the debt?
- Generally, who are the entities that have a financial interest in my debt?
- How do I determine the validity of the "credit bid" at foreclosure sale?
- If the notary is false, forged, invalid or fabricated doesn't that invalidate the instrument?