YOUR LENDER IS WRONG. AN ATTORNEY CAN PROVE IT.
Billing errors, unauthorized fees, and predatory loan terms are legally challengeable — and your lender knows most people won't push back.
TILA, RESPA, and state lending laws impose strict rules on lenders — your attorney identifies every violation and pursues corrections, refunds, and damages.
Already have a legal plan
Within 24 hours
Flat monthly rate.
Consumer finance attorneys bill by the hour or require large retainers.
A legal plan membership gives you access to attorneys who can review loan documents, draft dispute letters, and escalate to regulators — for less than a dollar a day.
Loan disputes range from billing errors and unauthorized fees to TILA violations, predatory lending, and wrongful loan modification denials. Federal law gives borrowers real tools to fight back.
The Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), and the Fair Debt Collection Practices Act give borrowers enforceable rights. But most people don't know these protections exist — let alone how to invoke them. An attorney can identify violations, force corrections, and in some cases recover damages and attorney fees directly from the lender.
Fees that weren't properly disclosed at closing, or that are applied incorrectly after the fact, are legally challengeable — even years later under TILA's rescission provisions.
Loan servicers must follow investor guidelines and federal rules when evaluating modifications. Denials that violate those standards can be formally challenged and reversed.
Loans with deceptive terms, hidden markups, or rates that violate state usury laws give borrowers grounds to rescind the loan, seek damages, or void specific provisions.
From TILA violations to CFPB complaints — attorneys on call handle every stage of a loan dispute.
Attorneys review loan documents for Truth in Lending Act and RESPA violations — undisclosed fees, APR miscalculations, kickbacks — and identify the remedies available to you under federal law.
Formal legal dispute letters carry far more weight than consumer complaint calls. Attorneys draft Qualified Written Requests and demand letters with the statutory citations that require a lender response.
If your modification was wrongfully denied, an attorney can challenge the servicer's decision and enforce applicable investor guidelines — forcing a proper review rather than a form rejection.
Loans with deceptive terms, hidden fees, or rates that violate state usury laws give borrowers grounds to rescind, seek damages, or void specific loan provisions — attorneys identify which remedies apply.
Three stages — from identifying the violation to enforcing your rights.
Pull original loan documents, payment history, and all correspondence. Attorneys identify where the lender deviated from contractual terms, federal disclosure requirements, or state consumer protection law.
Send formal Qualified Written Requests, dispute letters, or demand letters with statutory citations that legally require a lender response — creating a record and starting the clock on mandatory timelines.
File CFPB or state regulator complaints, or initiate litigation. Lenders face real financial consequences when violations are documented and pursued — making settlement far more likely.
Federal law gives borrowers more leverage than most people realize — but only if they use it.
If your lender failed to properly disclose APR, fees, or loan terms, you may be entitled to rescission or damages — sometimes up to three years after the loan closed. The remedy can be significant.
A properly sent Qualified Written Request triggers mandatory response deadlines under federal law. Lenders who ignore a QWR face statutory penalties — giving borrowers real leverage from the moment the letter is sent.
The Consumer Financial Protection Bureau has authority to investigate lenders, issue fines, require corrective action, and obtain restitution for borrowers. A CFPB complaint, backed by documentation, gets a lender's attention.
Borrowers who challenged their lenders — and won.
Identified undisclosed origination fees violating TILA — full refund secured
Forced servicer to correct payment history after unauthorized fee application
Challenged wrongful loan modification denial under investor guidelines — approved on appeal
Filed CFPB complaint — lender corrected account errors within 30 days
Rescinded predatory auto loan with undisclosed dealer markup
Recovered statutory damages after servicer failed to respond to Qualified Written Request
If your lender has done any of these things, you may have more legal leverage than you think.
Fees that weren't properly disclosed under TILA are legally challengeable — even years after the loan closed. An attorney reviews your closing documents and identifies what the lender failed to disclose.
Servicers must follow investor and federal guidelines when evaluating modifications. Denials that skip required steps or contradict those guidelines can be formally challenged and reversed.
Incorrect payment applications — fees charged before principal, payments misapplied, or erroneous late charges — affect your balance and credit report. Attorneys force corrections through formal dispute channels.
When customer service calls go nowhere, a Qualified Written Request under RESPA changes the dynamic. Lenders have mandatory response obligations — and face statutory penalties for ignoring them.
If what you signed doesn't reflect what you were promised — different rates, hidden fees, or changed terms — that discrepancy may constitute a TILA violation or fraud giving you the right to rescind.
If you're being pursued for a debt you believe is miscalculated, already paid, or improperly assigned, an attorney can challenge the collection and enforce your rights under the FDCPA.
No retainer. No hourly fees. Just real attorney access.
Tell us about your situation so we can connect you with the right legal support.
A legal plan representative reaches out, explains your options, and gets you access to experienced attorneys at an affordable monthly rate.
Get connected with a licensed attorney — consultation, rights assessment, demand letters, and full legal support in pursuing what you're owed.
What borrowers ask most before pursuing a loan dispute.
Borrowers who pushed back — and made their lenders correct the record.
"My mortgage servicer kept applying my payments to fees instead of principal. My attorney sent a Qualified Written Request and the account was corrected within two weeks — no more runaround."
"I was charged $3,000 in origination fees that weren't disclosed at closing. My attorney identified the TILA violation and we got every dollar back. I had no idea that was even possible."
"My loan modification was denied three times with no real explanation. My attorney challenged it under investor guidelines and the fourth review was approved. Having legal backing made all the difference."
"I didn't know a CFPB complaint could actually get results. My attorney filed one with full documentation and my servicer responded with a corrected statement within 30 days."