Settlement Starts With a Defensible Number
A foreclosure accounting review tests the numbers used in a foreclosure demand, reinstatement quote, payoff quote, mediation statement, or settlement proposal. The goal is to separate documented amounts from unsupported fees, unexplained advances, escrow confusion, and payment-history gaps.
What We Organize
- Principal, interest, escrow, fees, advances, and attorney cost categories
- Default date and claimed amount due compared to account records
- Payment history, suspense entries, and servicing transfer gaps
- Reinstatement and payoff quotes compared against ledgers and notices
- Potential waiver, correction, or documentation issues for negotiation
How It Helps Settlement Discussions
Borrowers, attorneys, and mediators need a usable number. If the foreclosure accounting is unclear, the file can be organized into disputed and undisputed categories. That can support more focused negotiation, fee-waiver requests, correction requests, or attorney review.
Best Timing
Start before mediation, settlement conferences, sale deadlines, repayment-plan discussions, or payoff negotiations. Waiting until the last day often limits what can be documented.
Important: this review supports file organization and issue spotting. It does not provide legal advice or guarantee that a lender, servicer, court, or mediator will accept a disputed amount.
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Related reviews: reinstatement and payoff quote audit, payment history audit, and servicing audit.