Unauthorized Foreclosure Legal Steps

Summary

If you are facing an unauthorized foreclosure in Orlando, FL, verify the attorneys authority with the bank and gather all relevant documentation. Consult with a local attorney to explore legal actions, such as filing a motion to dismiss or seeking a summary judgment against the party wrongfully initiating the foreclosure. You can also file complaints with the Florida Bar, the Consumer Financial Protection Bureau (CFPB), or the Office of the Comptroller of the Currency (OCC) for further investigation and assistance. If you have an open appeal, ensure your attorney is actively working on it and monitor all court deadlines. Consider seeking a court order to dismiss the case based on the banks confirmation that you do not have a loan with them.

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Orlando fl
Thank you for providing your location. To address your concern about the attorney representing the bank in the foreclosure process:
- Verify the attorney's authorization with the bank directly.
- Review the foreclosure documentation for any discrepancies.
- Consider filing a complaint with the Florida Bar if you believe the attorney is acting unethically.
Would you like more information on how to file a complaint?
~Florida Bar Association
Phone: (*) *-*
Website: www.floridabar.org
I did verify it with the bank
Thank you for verifying with the bank. Given your situation, here are steps you can take:
- Collect all communication and documentation regarding the attorney's involvement.
- Consult with a local attorney to discuss potential legal actions.
- You can still file a complaint with the Florida Bar if you suspect unethical behavior.
Would you need more details on how to file a complaint with the Florida Bar?
What can I do beside the bar
Thank you for the additional details. Besides filing a complaint with the Florida Bar, you can consider the following steps:
- Seek legal advice from a foreclosure defense attorney.
- File a motion in court to challenge the foreclosure based on the unauthorized representation.
- Contact the Consumer Financial Protection Bureau (CFPB) for further assistance.
Would you like more information on any of these steps?
What would the CFPB do to the attorney
The Consumer Financial Protection Bureau (CFPB) can take the following actions:
- Investigate the complaint against the attorney.
- Impose penalties if violations of federal consumer financial laws are found.
- Provide you with resources and support during the foreclosure process.
Would you like more information on how to contact the CFPB?
.
Thank you for the details. Here’s more information on how to contact the Consumer Financial Protection Bureau (CFPB):

Consumer Financial Protection Bureau (CFPB)


Phone: (*) *-*
Address: * G Street NW, Washington, DC *
Website: www.consumerfinance.gov

Would you like assistance with anything else?
What else can be done
I understand that you're looking for additional steps you can take regarding the attorney representing the bank. Here are some further actions you may consider:
- **Contact your state’s Attorney General:** They may have a consumer protection division that could assist.
- **Seek mediation services:** This could help resolve the dispute outside of court.
- **Engage in pre-foreclosure counseling:** There are HUD-approved counselors who can provide advice.
Would you like more details on any of these options?
I don’t have a loan with the bank
Thank you for the information. Given that you don't have a loan with the bank, you might be facing a case of mistaken identity or fraudulent activity. Here are some steps you can take:
- **Contact the bank** directly and inform them of the error.
- **File a police report** if you suspect identity theft.
- **Consult with a local attorney** to discuss potential legal actions.
Would you like more details on any of these steps?
The bank knows l have a letter from them stating that
Thank you for the information. Since the bank has acknowledged the letter, here are the next steps you might consider:
- **Request a written confirmation:** Ask the bank to provide a written confirmation acknowledging the error.
- **Send a formal dispute letter:** Document your case and send it to the bank.
- **Consult with a local attorney:** To explore legal avenues based on the bank's acknowledgment.
Would you like more details on any of these steps?
They did
Given that the bank has acknowledged the error and you have their confirmation:
- **Request a formal retraction:** Ask the bank to send a formal retraction of the foreclosure proceedings.
- **File a complaint with regulatory bodies:** Consider filing a complaint with the Office of the Comptroller of the Currency (OCC) or the CFPB.
- **Consult with a local attorney:** To explore potential legal actions for any damages incurred.
Would you like more details on any of these steps?
When would OCC do
The Office of the Comptroller of the Currency (OCC) can:
- Investigate your complaint against the bank.
- Ensure the bank complies with consumer protection laws.
- Mandate corrective actions if violations are found.
- Provide you with updates on the investigation's progress.
Would you like more information on how to file a complaint with the OCC?
.
It appears you might need more details on how to proceed. Here’s how you can contact the Office of the Comptroller of the Currency (OCC):
~Office of the Comptroller of the Currency (OCC)
Phone: (*) *-*
Address: * 7th Street SW, Washington, DC *
Website: www.occ.gov

Would you like assistance with anything else?
What department of Wells Fargo would l contact
To address your situation with Wells Fargo, you should contact their **Customer Care Department** or their **Office of Executive Complaints**. They can assist with resolving errors and addressing unauthorized actions.
Would you like more details on how to contact these departments?
I contacted exac
Thank you for your patience. To follow up on your contact with Wells Fargo:
- **Customer Care Department:** They handle general inquiries and complaints.
- **Office of Executive Complaints:** For escalated issues and serious concerns.
Would you like specific contact details for these departments?
I contacted the executive office and they told me they are not foreclosing and don’t have a loan with them
Thank you for the information. Since the executive office confirmed they are not foreclosing and don't have a loan with you:
- **Request a formal written statement:** From Wells Fargo confirming their position.
- **Notify the court:** If there are foreclosure proceedings, inform the court of the bank's statement.
- **Consult a local attorney:** To explore legal actions against any party wrongfully initiating foreclosure.
Would you like more details on any of these steps?
I did that with the court
Thank you for the detailed information. Given your situation, here are further steps you may consider:
- **Seek a court order:** Request the court to dismiss the foreclosure case based on the bank's confirmation.
- **File a complaint:** With the local bar association regarding the attorney's actions.
- **Consult a local attorney:** For potential claims of damages or wrongful foreclosure.
Would you like more details on any of these steps?
I did ask for dismissal and nothing is happening
Thank you for the information. Since you have already requested dismissal and nothing is happening, here are some additional steps you can consider:
- **File a Motion to Expedite:** Request the court to expedite the hearing on your dismissal motion.
- **Request a Hearing:** Ask the court clerk to schedule a hearing on your motion.
- **File a Complaint:** With the court's administrative office regarding delays.
Would you like more details on any of these steps?
And what to do if l have an open appeal
Thank you for the information. If you have an open appeal, consider the following steps:
- **Consult Your Attorney:** Ensure your attorney is actively working on the appeal.
- **Monitor Deadlines:** Keep track of all court deadlines and requirements.
- **Submit Additional Evidence:** If applicable, provide any new evidence that supports your case.
Would you like more details on any of these steps?
Why should I have to appeal if I don’t have a loan
Thank you for sharing your situation. If you don't have a loan with the bank, appealing might be necessary to clear your name and rectify the error. Here are your options:
- **Submit a Motion to Dismiss:** Based on the bank's confirmation.
- **File for a Summary Judgment:** To expedite the process.
- **Consult Your Attorney:** For personalized legal strategy.
Would you like more details on any of these steps?
Summary judgement against whom
Thank you for your patience. In your case, a summary judgment should be filed against the party wrongfully initiating the foreclosure. This could be the bank or the attorney involved.
Would you like more details on how to file for a summary judgment?
.
Thank you for the details. Here's how you can proceed with filing for a summary judgment:
- **Gather Evidence:** Collect all documents proving you have no loan with the bank.
- **File the Motion:** Submit a motion for summary judgment to the court.
- **Legal Support:** Consult with your attorney for assistance.
Would you like more details on any of these steps?