Jack Conte
Since 2004 Jack Conte has been doing Mortgage Loan audits and Loan Transaction History analysis for homeowners and attorneys. A teacher of RESPA and TILA law Mr. Conte’s extensive knowledge and use of these laws often proves an insurmountable problem for the servicer.
The seldom used and little understood part of RESPA law concerned with the Loan Transaction History and how payments are applied to the loan has become one of Mr. Conte’s areas of expertise, he has discovered by examining how payments have been applied throughout the life of the loan, many times wrongdoing is exposed. In so doing Mr. Conte has also discovered that it is difficult if not impossible for the servicer to legally justify, fees, charges and other misappropriation of monies paid by the borrower.
Mr. Conte contends it is not who legally owns the loan, although this is another important defense, but more tenuous than having indisputable evidence of the proof of debt.
If there is provable wrongdoing discovered in the Loan Transaction History, which is what Mr. Conte may find through an analysis, there are no “gray areas to create doubt”. In almost every case where wrongdoing has been found in the Loan Transaction History analysis for “proof of debt” foreclosures have been stopped indefinitely (proof is on file). Mr. Conte’s primary objective is to prevent the servicer from legally foreclosing without “proof of debt”. This has been accomplished each time unaccountable fees, charges and other misappropriations have been discovered.
As a recognized authority in Real Estate Settlement Procedures Act and the Truth In Lending Act Law, Mr. Conte is constantly sought after for advice by attorneys for help and understanding of how these laws relate to specific parts of the loan documents and to formulate a legal strategy to assist their clients.
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1-800-990-9023