The best part of the article (if you can call it that) is that it gives you potential information

“Regulation Z, which is part of the Truth in Lending Act,” Kelly said. “It requires that monthly statements be sent if there is interest assessed on a mortgage.”

So if they did not send monthly statements, it throws the homeowner a potential lifeline.

By violating Regulation Z, Kelly says, “they then open themselves up to serious legal consequences and provide consumers the leverage they need to stay in their homes.”

This is just one strategy, but Kelly has been using this approach to help homeowners in dozens of cases. She just resolved a class action case where she was able to get the names of nearly 300 homeowners from one company and help them all.