Bantu badi bafuta mabanza a 'Zombie' ne dikuata dia nzubu muibidi dia Zombie¶

Kupeta tshilumbu tshia ku kabadi bua karte ka mfranga ka bidimu 10 anyi mukanda wa luondapu, anyi kunzulula tshimpitshimpi Dimanyisha dia dipanga kufuta ne dijimija dia nzubu pa nzubu muibidi udi kayi ne dîyi anyi Home Equity Line of Credit (HELOC) uudi kuyi muanji kumvua katshia mu 2009, ntshilumbu tshikole tshia makuta. Mu Amerike wa ku Nord, ku Mputu, ne mu Australie, basumbishi ba mabanza badi basumba mabanza adi kaayi ne tshijadiki ne mabanza a nzubu adi kaayi ne tshijadiki tshia "80/20" bua makuta makese pa dolare ne batuadija kampanye ka disangisha dia makuta anyi dikuata dia bintu. Mu bilumbu bia mabanza a zombie adi kaayi ne tshijadiki, difuta dimue dia dolare 5 dia "ditabuja dimpe" anyi dilaya difunda dia kufuta didi mua kujula mikenji ya tshikondo tshia ndekelu ne kukuteka mu tshilumbu tshijima. Mu bilumbu bia zombie second mortgage, basumbishi ba makuta a pa nkaya badi bindile too ne padi mushinga wa nzubu webe ubanda, bateka bidimu 10 too ne ku 15 bia ntatu ne bitadi mu bidimu bidibu kabayi banji kutuma mikanda ya ngondo yonso, ne balongolola disumbisha dia nzubu webe. Bua kuimanyika malu onso abidi aa, bidi bikengela kuenza mudimu ne mikenji mikole idi itangila dibanza dia CFPB Regulation F, kujadika Truth in Lending Act (TILA) Regulation Z periodic-statement rule ku diambuluisha dia makuta adibu bafila kunyima, kuela mpata ku mikanda ya dilaya idi minyanguke, ne kuenza mudimu ne mikenji idi itangila dikuba dia bintu.

Enza nunku mpindieu¶

1. Lama bukubi buebe pikala muena mudimu wa dibanza anyi muena mudimu wa malu a dibanza ulua ku tshiibi tshiebe. Shi muntu ulua kumbelu kuebe wamba mudiye muena mudimu wa tshibawu, muena mudimu wa ku kabadi, anyi muena mudimu wa nzubu ne ubenga bua kupatuka anyi wenza malu adi akutshinyisha, buela munda, kanga tshiibi tshiebe, ne ubikile muaba uudi musombele nomba ya tshimpitshimpi (911 mu États-Unis ne mu Canada, 112 mu matunga a ku Mputu, 999 mu Royaume-Uni, 000 mu Australie). Ikala mutantshi wa metre 2 (6.5 feet) kunyima kua tshiibi tshikanga.
2. KUFUDI dolare nansha umue, kuanyishila bua kuangata dolare 5 "mu ditabuja dimpe", anyi kutua tshiala pa mukanda wa dianyisha dia dibanza dia kale. Mu matunga a bungi a mu États-Unis, mu provense ya mu Canada, ne mu matunga adi ne mikenji ya bantu bonso, kufuta nansha dolare umue anyi kutua tshiala pa mukanda wa dilaya dia kufuta pa dibanza didi dijika ** bidimu bia bungi bia mikenji ya tshikondo tshidi tshifika ku zero**, udi upingaja bukokeshi bua musumba wa mabanza bua kukufunda bua makuta onso adi mashale pamue ne makuta adibu bafuta.
3. Angata luapolo luebe lua mfranga isatu ya mbulamatadi ne tangila dituku dia dipanga dia kumpala (DOFD). Kumpala kua kuandamuna kudi muena mabanza udi kayi ne tshijadiki, tangila ngondo ne tshidimu tshijalame tshivua konte webe munyanguke ne kayi muanji kulua ne tshia lelu to. Muinshi mwa meyi a mbulamatadi a difila dia luapolo lua mfranga (15 U.S.C. Section 1681c), mabanza a bungi adi kaayi ne tshijadiki adi ne tshia kumbushibua kashidi mu luapolo luebe lua mfranga bidimu 7 ne matuku 180 kunyima kua dituku dia kumpala dia dipanga dia mfranga, nansha misangu bungi kayi idibu bapanyisha mabanza au.
4. Bikalabu bakutshinyisha ne: nebakuangate nzubu mukuabu udi kayi wenza mudimu anyi HELOC, utume diakamue mukanda wa dilomba (QWR), dilomba dia malu (RFI), ne dimanyisha dia tshilema (NOE). Muinshi mua mikenji ya dilongolola dia nzubu ne madimi (RESPA, 12 CFR Sections 2014 ne 2015 ne. 1024.36), kutuma mukanda mujadika ku adrese wa QWR/NOE udi musungudibue kudi muena mudimu udi ulomba: (a) mukanda wa dilaya wa kumpala wa wet-ink ne malu onso adibu banyisha, (b) malu onso a difuta dia mfranga ne malu adibu bafuta, © kopi ya formilere yonso ya 1099-C Cancellation anyi ya dishipa dia "Coff" nansha kakese, ne (d) kopi ya mikanda yonso ya ku ngondo ivuabu batume mu bidimu 15 bishale ebi.
5. Tuma mukanda wa FDCPA wa matuku 30 wa dilomba dia dibanza ne dilekela dia matuku makese. Mu matuku 30 a kalandriye a dipetangana dia kumpala dia muena mudimu anyi musumba wa mabanza a nzubu, utume mukanda mujadika udi ubengangana ne dibanza didi muinshi mua 15 U.S.C.C. Tshitupa tshia 1692g ne kulomba bua bajadike tshijengu tshia bumfumu ne kuimanyika mabikila onso a ku telefone (tangila Dikengesha dia bafidi ba mabanza).
6. Kulenguludi dibikila dia ku kabadi anyi dimanyisha dia dipana dia bintu. Nansha mudi dibanza anyi dibanza dia nzubu dibidi dikale ne tshikondo tshia ndekelu, tshikondo tshia ndekelu tshidi dikuba dia dijadika mu matunga a bungi (mbuena kuamba ne: udi ne bua kutshijula ku kabadi anyi mu tshilumbu tshia kulumbuluisha bua kuimanyika tshilumbu tshidi katshiyi tshiakane, anyi ditshimuna dia tshianana dilumbuluisha dia tshianana anyi disumbisha dia nzubu webe). Bua kumanya malu a kumpala a difuta dia nzubu, bala Dimanyisha dia dikuata dia nzubu, dianyisha dia nzubu, ne dipepeja dia dijimija.

flowchart TD
    A["Kupeta dilomba dia mabanza a kale anyi adi kaayi ne mudimu"] --> B{"Dibanza kadiena ne tshijadiki anyi ndifutu dia nzubu muibidi dia Zombie / HELOC?"}
    B -->|"Dibanza didi kadiyi dijadikibua (karte ka mfranga, luondapu, dibanza dia muntu nkayende, dipanga dia mashinyi)"| C["Futa ZERO ne KUENA tshiala; Tangila Dituku dia Dishipangana dia kumpala (DOFD) ne Mikenji ya Ditunga ya Dipangadika"]
    C --> D{"Mikenji ya ditunga / ya polovensa idi mijika anyi?"}
    D -->|"Eyowa: Dibanza dia Zombie didi kadiyi dijika"| E["Tuma mukanda wa dikokangana ne dilekela dia diyukidilangana; manyisha bualu buonso budi mua kukufikisha ku kabadi muinshi mua CFPB Reg F"]
    D -->|"Tòo: Mu tshikondo tshia mikalu"| F["Tuma dilomba dia dibanza dia FDCPA dia matuku 30; Longolola diandamuna pikalabu bafila ne dibikila dia bena ditunga"]
    B -->|"Zombie Second Mortgage / 80-20 Piggyback Loan / Old HELOC"| G["Fila RESPA dimanyisha dia tshilema (NOE), dilomba dia ngumu (RFI), ne dilomba dia dijadika dia FDCPA diakamue"]
    G --> H{"Mufidi wa makuta wa kumpala uvuaku muenzeje dibanza dia lukasa anyi mupangile bua kutuma mikanda ya ngondo yonso ya TILA munkatshi mua bidimu bia bungi anyi?"}
    H -->|"Difutu divua dienzeke lukasa kukadi bidimu bia bungi"| I["Kujadika mikenji ya mikalu ya nzubu (e.g., NY FAPA / state 4-to-6 year acceleration bar)"]
    H -->|"Kakuena mikanda ya ngondo yonso itumibua mu bidimu bia dikisha to"| J["Bikila CFPB TILA Reg Z Guidance: Lomba diumusha dia makuta onso a kunyima ne bitadi bivuabu bapete mu bidimu bia ditalala"]

Tshitupa 1: "Dibanza dia Zombie" didi kadiyi dijadika ne diteyi dia dibika dia mikenji ya mikalu¶

Dibanza dia zombie didi kadiyi dijadikibua didi dileja makuta a kale a ku karte ka mfranga, makuta a luondapu, makuta a difutu, makuta a telefone, anyi makuta a dipanga dia makuta a mashinyi (adi mashale panyima pa dipingaja dia mashinyi) adi ne bidimu 3 too ne ku 15. Banku ya ku ntuadijilu itu misangu ya bungi "ifuta" makuta adi kaayi mafuta kunyima kua matuku 180 a dipanga dia bitadi ne malu a dibala dia makuta, ne pashishe itu isumbisha mabeji a bungi a makuta adibu bafute kudi basumbishi ba mabanza ku 1 too ne ku 4 cents pa dolare.

Kumvua mêba abidi mashilangane pa dibanza dionso dia muena mudimu¶

Bantu badi basumba bintu batu misangu yonso bapetangana ne Dîba dia dimanyisha dia mfranga ne Dîba dia mikenji ya bilumbu. Bidi bilombodibua kudi mikenji mishilangane bikole ne bidi bienda mu bikondo bishilangane:

1. The Credit Bureau Reporting Clock (Federal FCRA, 15 U.S.C. Section 1681c©):
2. Bidi bijadika ku bidimu 7 (+ matuku 180): Mu ditunga dia États-Unis, konte udi kayi mufuta udi mua kumueneka mu luapolo luebe lua mfranga lua Equifax, Experian, ne TransUnion bua bidimu bipite pa 7 (bipima kubangila ku dituku dia matuku 180 kunyima kua Dituku dia dipanga dia kumpala, anyi DOFD, divua dienzeke kumpala kua disangisha anyi dijimija dia bitadi). Mu Canada, tshikondo tshia dijimija dia luapolo lua mfranga tshidi 6 too ne ku 7 bidimu; mu Royaume-Uni, bidi bidimu 6 kubangila ku dibenga kufuta; mu Australie, bidi bidimu 5 bua bitadi bia pa tshibidilu.
3. "Re-Aging" wa luapolo lua mfranga idi kayiyi mianyishibue kudi mikenji: Musumbishi wa mabanza kena mua kutuadija kabidi mu mikenji dîba dia luapolo lua mfranga lua bidimu 7 pa kusumba mabanza, kunzulula "dituku dipiadipia dia disangisha dia makuta," anyi mene kukulomba bua kufuta tshitupa tshia makuta. Shi musumba wa mabanza mushintulule dituku dia kumpala dia dipanga dia mabanza mu luapolo lueba lua mabanza bua kuenza bua dibanza dia 2015 dimueneke bu dia 2024, mmuenze re-aging mu mushindu udi kauyi mu diumvuangana ne mikenji ya Fair Credit Reporting Act. Udi mua kuela mpata diakamue mu mukanda ne biro bia mfranga ne CFPB.
4. Mukenji wa tshilumbu tshia tshilumbu (mukenji wa tshipungidi tshia ditunga anyi wa polovensa):
5. Kubangila ku bidimu 3 too ne ku 10 (Misangu ya bungi bidimu 3 too ne ku 6): Etshi ke tshikondo tshia ndekelu tshia muena mabanza anyi musumba wa mabanza bua kukufundila tshilumbu ku kabadi. Padi tshikondo etshi tshijika, dibanza didi dilua "dijika."
6. Tshidi CFPB Regulation F ukandika (12 CFR Section 1006.26): Mu CFPB Regulation F, muena mabanza udi mukandike bikole bua kufunda anyi kutshinyisha bua kufunda muena mudimu bua dibanza didi dijika. Nansha kuamba ne tshilumbu tshia ku tubadi tshidi mua kuenzeka pa dibanza didi kadiyi dijika, mbualu budi bushipa mikenji ya mbulamatadi.

Mushindu kayi udi tshikebelu tshia mikenji ya mikalu tshienza mudimu (ne matunga adi matshikandike)¶

Nansha mudi musangishi wa bintu kayi mua kukufundila ku kabadi bua dibanza didi dijika mu matunga a bungi (ne mu Mississippi ne Wisconsin, dijika dia tshikondo tshia dibanza didi dijimija dibanza nkayadi), muena dibanza mu matunga makuabu a bungi udi anu ne bukenji bua kukulomba bua kufuta dibanza didi dijika ku budisuile, kadi misangu ya bungi kabena ne tshilumbu tshia dilomba ne mikenji dimanyisha dia tshikondo tshia ndekelu padibi bikengela.

Mona njiwu: mu tshitupa tshia matunga a mu États-Unis ne mu provense ya bungi ya mu Canada, mukenji wa mikenji wa Dibika ku difuta dia tshitupa anyi dianyisha difunda utshidi anu wenza mudimu: - Dipingaja dia tshitupa tshia makuta: Kutuma tshikebelu tshia dolare 5, kupesha muena mudimu karte kebe ka debit bua dolare 10, anyi kulekela muena mudimu wenza difutu dikese kudi kutuadija kabidi tshikondo tshia bidimu bia bungi tshia difutu adi kubangila ku dituku dia difutu adi. - Dijadikulula dia dianyisha difunda: Kutua tshiala pa mukanda wa dianyisha, kuandamuna ku e-mail anyi ku mesaje udi wamba ne "Ndi mumanye ne ndi ne dibanza dia makuta aa ne nentete bua kukufuta ngondo udi ulua," anyi kutua tshiala pa mukanda wa ntatu kudi mua kuikala mulayi mupiamupia mufunda wa kufuta udi utuadija kabidi tshikondo tshia ndekelu. - Matunga adi ne mikenji ya bukubi bua kuluisha dibika: - Matunga a dijimina (Disangisha dia bintu didi dikandika anyi dibika dia kashidi): Mississippi (Miss. Code Section 15-1-3), Wisconsin (Wis. Stat. Section 893.05), ne New York (Consumer Credit Fairness Act / CPLR 14-14, udi muteka Bidimu bisatu mikenji ya tshikondo tshia mfranga ya bantu badi basumba bintu ne mikandike kashidi dijadikulula dionso ku diambuluisha dia difuta dia tshitupa anyi dianyisha difunda padi tshikondo tshijika). - Matunga mudi difuta dia tshitupa nkayadi kadiyi mua kupingaja dibanza didi dijika: Californie (Cal. Code Civ. Proc. Section 360 & Civ. Code Section 1788.14: udi ulomba mulayi mupiamupia mufunda bua kufuta, ne bafidi ba makuta kabena mua kufunda bua dibanza didi dijika to** (Tex.), (Tex.). Tshitupa tshia mikenji 392.307: dibanza dia muena mudimu didi dijika kadiena mua kupingajibua ku difuta anyi ku dianyisha to), Maryland, Arizona, Massachusetts, Illinois, North Carolina, Oregon, Washington, ne Nevada.

Tshitupa 2: Difutu dia nzubu dibidi dia Zombie ne tshilumbu tshia dikuata dia nzubu dia HELOC¶

Nansha mudi dibanza dia zombie didi kadiyi ne tshijadiki dikale njiwu ya difunda, dibanza dia zombie dibidi didi njiwu ya buludiludi ya kuangata nzubu webe.

Mushindu kayi udi nzubu muibidi wa Zombie mufukibua¶

Mu tshikondo tshia dikola dia nzubu mu 2004 too ne mu 2008, bantu miliyo ya bungi bavua basumba nzubu bavua basumba nzubu ku diambuluisha dia "80/20 piggyback loans" (80% wa kumpala wa nzubu ne wa 20% wa nzubu muibidi bua kuepuka assurance wa nzubu) anyi bangata Home Equity Lines of Credit (HEC)s. Pavua lutatu lua mfranga lua mu 2008 luenzeke ne mushinga wa nzubu mupueka bikole, bantu miliyo ya bungi bavua ne nzubu bakashala panyima ne kuenzabu Dishintulula dia mfranga pa dibanza diabu dia kumpala.

Ntshinyi tshivua tshienzekele 20 pa lukama ya nzubu muibidi? 1. Bu muvua nzubu muinshi mua mayi (mushinga mukese kupita wa nzubu wa kumpala nkayende), dikuata dia nzubu muibidi mu 2010 kuvua mua kuikala kupeteshe zero dollars kudi mufidi wa makuta muibidi. 2. Pamutu pa kukanga bintu, banke wa nzubu muibidi wakajimija nzubu muibidi mu mikanda yende ya munda, wakalekela kutuma mikanda ya difutu dia ngondo yonso, ne wakasumbisha mukanda wa nzubu muibidi uvua kayi mua kufuta kudi musumba wa mabanza ku 1 too ne ku 5 cents pa dolare. 3. Bu muvua muena nzubu mushintulule dibanza diende dia kumpala ne kavua muanji kupeta dibanza dikuabu dia ngondo yonso pa dibanza dibidi dia nzubu munkatshi mua bidimu 10 anyi 15, muena nzubu uvua witaba ne: dibanza dibidi divua disangisha mu dishintulula dia dibanza dia kumpala, difuidibua luse bilondeshile tshipungidi tshia nzubu tshia mu 2012, anyi dijimijibua. 4. The Ambush Today: Nansha padibu bafunda mukanda wa dilaya anyi padibu bumbusha dibanza dia muntu nkayende mu nshapita wa 7 wa dinyanguka dia makuta, mukanda wa tshibawu tshia nzubu (mukanda wa ditabuja) udi ushala mulamakaja ku mikanda ya buloba ya mu tshimenga bilondeshile mukanda wa lupangu (in rem) pa kumbusha dipatuka dia bintu bia mushinga mukole / Dipingaja dia bintu. Mpindieu udi mushinga wa nzubu mubandile, basumbishi ba mabanza a pa nkaya badi batuma tshimpitshimpi Dimanyisha dia dibenga kufuta / Dijinga dia kuangata bintu, balomba makuta a ntuadijilu kusangisha ne dolare 40 000 too ne ku 80 000 ya makuta a kunyima ne bitadi bia panyima pa bidimu 14 bidibu kabayi banji kutuma tshilaminu tshimue.

Tshitupa 3: Bingoma 6 bia mikenji bua kutshimuna Zombie Second Mortgage foreclosure¶

Wewe mupeta dilomba dia dilomba dia makuta, dimanyisha dia dipanga kukumbaja, anyi dimanyisha dia dipana dia muena mudimu pa nzubu muibidi udi kayi ne dîyi anyi HELOC, ikala ujadika malu asambombo aa a mbulamatadi ne a provense diakamue:

Tshitupa 4: Dikonkonona dia tshitupa ku tshitupa bua kujadika ni dibanza diebe dia Zombie Second Mortgage divua bushuwa difuidibua luse anyi dijimija¶

1. Tangila 2012 National Mortgage Settlement (NMS) & HAMP 2MP Records: Munkatshi mua 2010 ne 2016, muinshi mua Home Affordable Modification Program Second Lien Modification Programme (2MP) ne $25 Billion National Mortgage Settlement (mu banke ya Country Well of America, JPMorgan Chase/WaMu, Citigroup, ne Ally/GMAC), banke minene ivua ne tshia kujima ne kupatula binunu nkama ne nkama ya makuta a nzubu. Imue misangu, banke uvua ujikija dibanza munda, mupangile bua kufunda dipatuka dia dibanza dia mu tshimenga, ne mu mpukapuka uvua mubueje konte mu dipana dia bungi bidimu bia bungi pashishe. Lomba mukanda mujima wa mudimu kudi banke wa kumpala.
2. Koka mikanda ya difutu ne ya makuta a IRS bua formilere 1099-C: Tangila ni banki wa kumpala uvua mupatule Formilere wa IRS 1099-C (Dijimija dia mabanza) ne code wa malu adi mua kumanyibua F anyi G. Padibu basangisha ne mikanda ya dijikija dia bilumbu, bidi biambuluisha bua kujadika ne: kakuena dibanza didiku to.
3. Tangila tshikandakanda tshia mu tshimenga tshieba / tshikandakanda tshia maloba: Angata kopi ya: (a) mukanda wa kumpala wa Mukanda muibidi wa ditabuja (tangila Dituku dia dikumbana: mukanda wa bidimu 10 anyi 15 uvua mukumbane mu 2016 anyi 2021 utu misangu ya bungi ufila mikalu mikole ya bidimu 4 too ne ku 6 bukola); (b) Dimanyisha dia dipanga dia makuta (NOD) difunda pankatshi pa 2008 ne 2015 (dileja dienda dia kumpala); ne © Difila dia mukanda wa ditabuja dionso difunda (kutangila ni kudi bilema anyi bafidi ba bintu badi kabayiku).
4. Funda tshilumbu kudi CFPB ne kudi procureur général wa ditunga diebe: Fila ku consumerfinance.gov/complaint ne ne tshibambalu tshia dishima dia basumbishi tshia procureur général wa ditunga dienu, bionso bibidi bidi bilonda mikenji idi kayiyi mianyishibue kudi mikenji ya TILA ya tshikondo tshia tshianana idi ilomba makuta a nzubu ya zombie.

Tshitupa 5: Mikanda ya muaku ne muaku bua kuimanyika bafutshi ba mabanza a Zombie ne ba Zombie babidi badi bafuta nzubu¶

Tshilejilu 1: Dikokangana dia "Dibanza dia Zombie" didi kadiyi ne tshijadiki ne mukanda wa dilekela dia diyukidilangana¶

Tuma mukanda ewu ku diambuluisha dia USPS Certified Mail with Return Receipt (anyi Registered Mail) kudi muena mudimu yonso udi ulomba difuta dia dibanza didi kadiyi dijadika:

[Date]

VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED
Tracking Number: [Insert Tracking Number]

To: [Name of Debt Buyer / Collection Agency]
[Street Address]
[City, State/Province, Postal Code]

Re: Account / Reference Number: [Insert Reference Number]
Alleged Original Creditor: [Insert Original Creditor]

NOTICE OF DISPUTE, TIME-BARRED DEBT STATUS, AND CEASE-AND-DESIST DEMAND

To Whom It May Concern:

I am writing in response to your communication dated [Date] regarding the above-referenced account.

1. FORMAL DISPUTE AND NON-ACKNOWLEDGMENT: I dispute this alleged debt in its entirety. Nothing in this letter constitutes an acknowledgment of any debt, a promise to pay, or a waiver of any statute of limitations defense.

2. NOTICE OF TIME-BARRED STATUS (12 CFR Section 1006.26): Based on the Date of First Delinquency of this alleged account, the applicable statute of limitations for filing any legal action expired years ago. Under CFPB Regulation F (12 CFR Section 1006.26(b)) and the Fair Debt Collection Practices Act (15 U.S.C. Section 1692e), you are strictly prohibited from bringing or threatening to bring any legal action on a time-barred debt. In addition, the credit reporting period under the Fair Credit Reporting Act (15 U.S.C. Section 1681c(c)) has expired; any attempt to report or re-age this account on my credit reports will result in immediate legal action.

3. DEMAND TO CEASE ALL COMMUNICATION (15 U.S.C. Section 1692c(c)): Pursuant to 15 U.S.C. Section 1692c(c) and applicable state/provincial law, I hereby demand that you immediately CEASE AND DESIST all further communications with me regarding this account, whether by telephone, mail, text, or electronic means, except to confirm in writing that your collection efforts have been terminated.

Sincerely,

____________________________________
[Your Printed Name - Do Not Sign If Concerned About Signature Copying, or Sign Over Typed Name]
[Your Mailing Address]

Tshilejilu 2: Zombie Second Mortgage RESPA Notice of Error (NOE), Request for Information (RFI), ne TILA Retroactive Interest Dispute¶

Tuma mukanda ewu ku diambuluisha dia Mukanda mujadika ne mukanda wa dipingaja udibu balombe ku adrese musunguluke udibu basungule kudi muena mudimu wa nzubu bua kupeta mamanyisha a QWR / NOE / RFI (tangila site wabu anyi kunyima kua mukanda wabu bua kupeta adrese menemene wa "Dilomba difunda dikumbane / Dimanyisha dia tshilema"):

[Date]

VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED
Tracking Number: [Insert Tracking Number]

To: [Name of Zombie Second Mortgage Servicer & Debt Buyer]
Attention: Qualified Written Request / Notice of Error / Loss Mitigation Department
[Designated QWR / NOE Street Address]

Re: Borrower Name(s): [Your Full Name(s)]
Property Address: [Your Home Street Address]
Alleged Loan / Account Number: [Insert Account Number]

QUALIFIED WRITTEN REQUEST (QWR), NOTICE OF ERROR (12 CFR Section 1024.35),
REQUEST FOR INFORMATION (12 CFR Section 1024.36), AND FDCPA DISPUTE (15 U.S.C. Section 1692g)

To Whom It May Concern:

I am the homeowner of the property located at the address above. I recently received your notice dated [Date] demanding payment and/or threatening foreclosure on a dormant second mortgage / HELOC on which no monthly periodic statements have been sent for approximately [Number, e.g., 12 to 15] years. I dispute the validity, enforceability, and amount of this alleged debt in its entirety. Nothing in this letter revives or acknowledges any debt.

1. FORMAL NOTICE OF SERVICING ERRORS (12 CFR Section 1024.35):
Please take formal notice of the following servicing errors that you must investigate and correct:
(a) UNLAWFUL RETROACTIVE INTEREST AND FEES UNDER TILA REGULATION Z (12 CFR Section 1026.41(e)(6)): Neither you nor any prior servicer sent monthly periodic billing statements on this charged-off loan between [Year, e.g., 2009] and [Year, e.g., 2025]. Under 12 CFR Section 1026.41(e)(6) and the CFPB's April 2023 Advisory Opinion, a servicer is prohibited from accruing or charging any interest, late fees, or corporate advances during any period in which periodic statements were suspended following charge-off. Assessing or demanding retroactive interest and fees for those silent years violates TILA and 15 U.S.C. Section 1692f(1). Demand is hereby made that you immediately remove 100% of all interest and fees accrued during all months in which periodic statements were not delivered.
(b) EXPIRATION OF STATUTE OF LIMITATIONS: This loan was defaulted and accelerated more than [Number] years ago, rendering any judicial or non-judicial foreclosure action time-barred under state law and strictly prohibited under CFPB Regulation F (12 CFR Section 1006.26(b)).

2. REQUEST FOR INFORMATION AND FDCPA VALIDATION (12 CFR Section 1024.36 & 15 U.S.C. Section 1692g):
Please provide copies of the following documents within statutory RESPA deadlines:
(a) A complete, legible copy of the original Promissory Note and Deed of Trust/Mortgage, including the front and back of all pages and all endorsements and allonges demonstrating an unbroken chain of title to the current owner, plus the exact physical location of the original wet-ink Note;
(b) The full legal name, street address, and contact information of the current owner/investor of the Note;
(c) A complete life-of-loan transaction history from origination (circa [Year]) to the present, itemizing principal, interest rate, interest charges, and fees for every month;
(d) The exact date the loan was charged off, the principal balance at the date of charge-off, and copies of any prior Notice of Default, Notice of Acceleration, or IRS Form 1099-C issued on this account; and
(e) Copies of every monthly periodic billing statement sent to me between [Year] and the present.

Under RESPA (12 CFR Sections 1024.35 and 1024.36), you must provide written acknowledgment of this Notice within five (5) business days and a complete written response and documentary production within thirty (30) business days, during which time you must halt all collection and foreclosure actions pursuant to 15 U.S.C. Section 1692g(b).

Sincerely,

____________________________________
[Your Signature & Printed Name]
[Your Property Address & Phone Number]

Tshitupa 6: Mikenji ya buloba bujima idi itangila mikalu ne mikenji ya dipanga dia makuta a nzubu¶

• Royaume-Uni (Mabanza adi mikandike kudi mikenji ne dipanga dia makuta a nzubu muinshi mua mikenji ya 1980):
• Dibanza dia muena mudimu didi kadiyi ne tshijadiki (Bidimu 6 mu Angleterre, Pays de Galles, ne Irlande wa ku Nord; Bidimu 5 mu Écosse): Muinshi mua Tshitupa 5 tshia mikenji ya dipangisha dia 1980, dibanza dia tshipungidi didi kadiyi ne tshijadiki (karte ka mfranga, dijimija dia makuta, dibanza dia muntu nkayende, difutu dia mudimu) didi dilua difutu dia mikenji **** kunyima kua bidimu 6 tshipeta (pa kumbusha pikala muena dibanza mufute anyi muele tshiala pa mukanda wa dianyisha mu tshikondo tshia bidimu 6 abi). Muinshi mua Financial Conduct Authority (FCA) Consumer Credit Sourcebook (CONC 7.15), musangishi kena mua kuamba anyi kuleja ne: badi mua kuenza mudimu wa dikumbaja dia mikenji padi dibanza dijika kudi mikenji to. Mu Ecosse, muinshi mua Prescription and Limitation (Scotland) Act 1973, mabanza a bantu badi basumba bintu adi ajika bionso kunyima kua bidimu 5 kakuyi difuta anyi dianyisha difunda, bidi biumvuija ne: mabanza adi ajika bilondeshile mikenji ne kaena mua kupingajibua nansha wewe muenze tshilema pashishe.
• Dipanga dia makuta a nzubu (Bidimu 12 pa tshintu tshinene, bidimu 6 pa makuta a ntatu): Muinshi mua Tshitupa tshia 20 tshia mukenji wa dipangisha dia nzubu wa 1980, pikala nzubu mupingajibue anyi muikale ne dibanza dia nzubu didi kadiyi dienza mudimu mu Angleterre ne mu Pays de Galles, tshikondo tshia dipanga dia nzubu ntshia bidimu 12 bua kupingaja kapitale 6 anu bidimu ** bua kupingaja makuta a bungi 5 diakalenga. Pa kumbusha, bilondeshela mikenji ya FCA Mortgages and Home Finance: Conduct of Business (MCOB 13.6), pikala mufidi wa makuta musue kulonda dipanga dia makuta a nzubu kunyima kua dipana/dipingaja dia bintu, udi ne tshia kumanyisha muena dibanza dijinga diende mu bidimu 6 bia dipana.
• Canada (Mikenji ya mikalu ya provense ne dijima):
• Matunga onso a mu Canada adi ateka tshikondo tshikole tshia dilomba dia dibanza didi kadiyi dijadika (dibala kubangila ku dituku dia ndekelu dia difuta anyi dia dianyisha difunda kumpala kua dijika): Bidimu bibidi mu Ontario (Mukenji wa mikalu, 2002), Mukenji wa mikalu wa mu Colombie-Britannique (Mukenji wa Dipangadika, 2002) (Limitations Act), Saskatchewan, Nova Scotia, ne New Brunswick; Bidimu bisatu mu Quebec (Mukenji wa bena ditunga wa Québec, mudi dijika dia tshikondo tshia bidimu bisatu tshia dilomba dia manga dijimija bukenji bua kuenza bualu kampanda); ne bidimu 6 mu Manitoba, Prince Edward Island, Newfoundland ne Labrador, ne maloba.
• Mukenji munene wa diluisha dibika mu Ontario ne BC: Muinshi mua Tshitupa tshia 13(9) tshia mukenji wa Ontario wa mikalu, 2002 ne Tshitupa tshia 24(7) tshia mukenji wa mikalu wa mu BC, dianyisha anyi difuta dia tshitupa didi anu dipingaja dîba dia bidimu 2 pikaladi dienza KUMPALA kua tshidimu tshia mikalu ** udi ujika. Padi tshikondo tshia bidimu bibidi tshijika mu Ontario anyi mu BC, difuta dia pashishe anyi dianyisha difunda kadiena dipingaja bukenji bua kufunda to to. Bua nzubu ya nzubu mu Ontario, tshikondo tshia ndekelu ntshia bidimu 10 bilondeshile Mukenji wa mikalu ya nzubu.
• Australie (State Limitation Acts & National Credit Code):
• Bua karte ka mfranga kadiyi ne tshijadiki, mfranga ya muntu nkayende, ne bitadi, tshikondo tshia ndekelu ntshia bidimu 6 mu New South Wales, Victoria, Queensland, Western Australia, South Australia, ne Tasmania (ne 3 bidimu mu Northern Territory). Bia mushinga, mu New South Wales (muinshi mua Tshitupa tshia 63 tshia Limitation Act 1969 (NSW)), dijika dia tshikondo tshia bidimu 6 didi dijimija tshishiki dibanza ne bukenji, mbuena kuamba ne dibanza didi dijika mu NSW ndifue kashidi ne kadiena mua kupingajibua kunyima kua matuku to. Muinshi mua ACCC ne ASIC Debt Collection Guidelines, kutshinyisha bua kuya ku tubadi anyi kulonda dibanza didi mikenji mikandike kunyima kua muena mudimu mumane kuamba ne: kabakufuta mbualu budi kabuyi ne lungenyi to.

Nkonko itubu bela misangu ya bungi¶

Nshapita wa 7 wa dijimija dia makuta dia bidimu 10 bishale udiku ujimija tshibawu tshia Zombie Second Mortgage tshia nzubu wanyi anyi?¶

Tòo, ki mbua tshianana to. Nshapita wa 7 wa dijimija dia makuta udi ujimija bua kashidi bujitu bua muntu nkayende (mu bumuntu) pa mabanza eba a kumpala ne a buibidi, bidi biumvuija ne: mufidi wa mabanza a nzubu muibidi kena mua kukufunda wewe nkayebe bua dilumbuluisha dia makuta anyi kukumbaja difutu diebe to. Ino, bilondeshela dipangadika dia Kabadi kanene ka mu États-Unis mu Johnson v. Home State Bank ne Dewsnup v. Timm, tshipungidi tshia nzubu tshidi tshifunda pa nzubu ne madimi tshidi tshipita mu nshapita wa 7 wa dinyanguka dia makuta (mu rem). Musumbishi wa mabanza udi mua kuteta bua kuangata nzubu nkayende pa kumbusha pikala dibanza edi dipangisha kudi mikenji ya dibanza dia nzubu ya ditunga dienu, ditshimuna bilondeshile mukenji wa TILA Z, anyi dijimija mu tshilumbu tshipiatshipia tshia dilongolola dia nzubu tshia nshapita wa 13.

Netuambe tshinyi bikala muntu udi ulomba mabanza mubande ku kabadi bua mabanza andi mumanye ne: mmapite tshikondo tshia dijikija dia mabanza?¶

Udi anu ne tshia kufila mukanda mufunda Diandamuna ne mufundi wa kabadi kumpala kua tshikondo tshia diandamuna (pa tshibidilu matuku 20 too ne ku 30) ne kubandisha patoke Dikuba dia bulelela: Dijika dia mikenji ya mikalu. Mu matunga a bungi, mulumbuluishi kakutangila bidimu bia dibanza wewe mupangile bua kulua to; Wewe mubenge dibikila, muena mudimu neapete dilumbuluisha dia tshimpitshimpi didi mua kuenzeka munkatshi mua bidimu 10 to ne 20. Fila diandamuna diebe didi dileja tshilumbu tshia mikenji ya mikalu ne yukila ne avocat wa FDCPA bua kubanda muena dibanza, bualu difunda dia dibanza didi dijika didi dishipa dia mikenji ya CFPB F (12 CFR Section 1006.26(b)) idi ikupesha bukenji bua kupeta bitadi bia mikenji pamue ne bitadi bia avocat.

Ndi mua kusumbisha anyi kupingaja makuta a nzubu wanyi pikala Zombie Second Mortgage utshidi umueneka mu dikeba dianyi dia nzubu anyi?¶

Paudi ukeba kusumbisha anyi kupingaja makuta, kumpanyi wa assurance wa lupangu neabenge bua kukanga pa kumbusha padibu bapatula mukanda muibidi wa ditabuja udibu bafunde. Ino, kuena ne tshia kufuta dilomba dia difutu dikola ku mêsa a ndekelu to. Tshia kumpala, pikala mikenji ya dikuata dia nzubu mijika mu ditunga dienu, avocat wa nzubu ne madimi udi mua kufila Tshienzedi tshia tshiena bualu tshia ditalala (anyi mukanda wa dilomba dia dilekela dia mudimu, bu mudi muinshi mua New York RPAPL Section 1501(4)) ulomba mulumbuluishi bua kumbusha dibanza dia nzubu dibidi didi dijika mu mikanda ya buloba ya mu tshimenga bua dolare zero. Tshibidi, pikala tshipungidi katshiyi tshijika, dienzeja dia TILA Regulation Z bua kumbusha bidimu 10 too ne ku 15 bia tshikondo tshia tshianana tshidi katshiyi tshikumbanyine mikenji didi dienzeja mufidi wa makuta bua kukepesha dilomba dia difutu anyi kuitaba tshitupa tshikese tshia makuta a ntuadijilu.

Meme muele mpata bua dibanza dia zombie mu luapolo luanyi lua mfranga, dibengangana edi didi mua kupingaja tshikondo tshia dibanza anyi?¶

Tòo. Kufunda tshilumbu kudi Equifax, Experian, anyi TransUnion bilondeshile mukenji wa Fair Credit Reporting Act, anyi kutuma mukanda mufunda wa dikokangana dia dibanza kudi tshibambalu tshia disangisha dia makuta udi wamba ne: "Ndi ntantamena dibanza edi dijima," kakuena mua kutuadija kabidi tshikondo tshia dijikija dia mabanza anyi tshikondo tshia difila dia luapolo lua mabanza tshia bidimu 7 to. Kujadika mu mukanda ne udi ubenga dibanza kudi bishilangane menemene ne dianyisha difunda anyi mulayi wa kufuta.

Miaba mifumina¶

• Biro bia bukubi bua makuta a badi basumba bintu (CFPB) (Ditunga dia États-Unis): Mukenji F (Mukenji wa disangisha dia mabanza), 12 CFR tshitupa tshia 1006.26 ne Lungenyi lua CFPB lua mabanza adi kaayi ne tshikondo (mu ngondo muinayi 2023).
• Consumer Financial Protection Bureau (CFPB) (United States): Truth in Lending Act (TILA) Regulation Z, 12 CFR Section 1026.41(e)(6) and RESPA Regulation X, 12 CFR Sections 1024.35 and 1036.6.
• Federal Trade Commission (FTC) (United States): Fair Credit Reporting Act (FCRA), 15 U.S.C. Tshitupa tshia 1681c©.
• Malu adibu bashintulule mu mikenji ya ditunga (mu ditunga dia États-Unis): Mukenji wa dikuba dia dinyanguka dia bintu bia mu New York (FAPA, tshitupa tshia 213(4) tshia CPLR) ne Mukenji wa dikuba dia makuta a bantu badi basumba bintu (CPLR tshitupa tshia 214-i); Californie Civil Code Section 1788.14; Texas Finance Code Section 392.307.
• FCA (United Kingdom), Ontario Limitations Act (Canada), & ACCC/ASIC (Australia): Limitation Act 1980 (UK) & FCA CONC 7.15 / MCOB 13.6; Ontario Limitations Act, 2002 (Tshitupa tshia 13(9)); ne NSW Limitation Act 1969 (Tshitupa tshia 63).

Malu adi apetangana¶

• Dikengesha dia bafidi ba mabanza
• Dimanyisha dia dikuata dia nzubu, dianyisha dia nzubu, ne dipepeja dia dijimija
• Mudimu mukese anyi dinyanguka dia muntu nkayende: Nshapita 7 vs. 13 triage
• Uvua muenze mudimu ne tshilumbu tshia bena ditunga
• Buivi bua mukanda, dishima dia bumpianyi bua nzubu, ne dikuba dia mukanda wa dishima
• Nomba ya njiwu bilondeshile ditunga