{"id":1535,"date":"2026-01-04T03:22:36","date_gmt":"2026-01-04T03:22:36","guid":{"rendered":"http:\/\/goolsbylawoffice.com\/?p=1535"},"modified":"2026-02-22T21:21:49","modified_gmt":"2026-02-22T21:21:49","slug":"mortgage-servicing-problems","status":"publish","type":"post","link":"http:\/\/goolsbylawoffice.com\/?p=1535","title":{"rendered":"Mortgage Servicing Problems"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1535\" class=\"elementor elementor-1535\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12428fb e-flex e-con-boxed e-con e-parent\" data-id=\"12428fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-621f1bd e-con-full e-flex e-con e-child\" data-id=\"621f1bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd6ca18 elementor-widget elementor-widget-text-editor\" data-id=\"fd6ca18\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft wp-image-1717 size-medium\" src=\"http:\/\/goolsbylawoffice.com\/wp-content\/uploads\/2026\/02\/Foreclosure-of-home-200x300.jpeg\" alt=\"\" width=\"200\" height=\"300\"><\/p>\n<div class=\"et_pb_text_inner\">\n<div class=\"et_pb_column et_pb_column_2_3 et_pb_column_0 et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_module et_pb_text et_pb_text_0 et_pb_text_align_left et_pb_bg_layout_light\">\n<div class=\"et_pb_text_inner\">\n<p>More than ten years after the start of the subprime mortgage crisis, mortgage servicing problems continue to be widespread. The federal Consumer Financial Protection Bureau reports that it receives over 50,000 mortgage-related complaints each year.<\/p>\n<p>Common mortgage servicing problems that we see include:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Failing to credit payments<\/li>\n<li>Mishandling escrow accounts<\/li>\n<li>Failing to properly respond to requests for information<\/li>\n<li>Failing to properly investigate and respond to disputes or requests for information from borrowers<\/li>\n<li>Failing to process loan modification applications<\/li>\n<li>Failing to provide notice that the servicing company has changed<\/li>\n<li>Improper force-placed insurance<\/li>\n<li>False credit reporting<\/li>\n<li>Many more<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>A number of different overlapping federal and state laws protect consumers who have been wronged by mortgage servicers. &nbsp;Contact us for a&nbsp;free consultation about your rights. If a mortgage servicer hasn\u2019t followed the law, we\u2019ll go after them and make them pay.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5bfec86 e-flex e-con-boxed e-con e-parent\" data-id=\"5bfec86\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b649fa1 e-con-full e-flex e-con e-child\" data-id=\"b649fa1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b210a19 e-con-full e-flex e-con e-child\" data-id=\"b210a19\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<h3 \n\t\tdata-interaction-id=\"720df0e\" \n\t\tclass=\"e-720df0e-0d6b7c6 e-heading-base\" \n\t\t \n\t\t\n\t\t\t>\n\t\n\t\t\tContact Us Today\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b70ec elementor-widget elementor-widget-wpforms\" data-id=\"28b70ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style id=\"wpforms-css-vars-elementor-widget-28b70ec\">\n\t\t\t\t.elementor-widget-wpforms.elementor-element-28b70ec {\n\t\t\t\t--wpforms-field-size-input-height: 31px;\n--wpforms-field-size-input-spacing: 10px;\n--wpforms-field-size-font-size: 14px;\n--wpforms-field-size-line-height: 17px;\n--wpforms-field-size-padding-h: 9px;\n--wpforms-field-size-checkbox-size: 14px;\n--wpforms-field-size-sublabel-spacing: 5px;\n--wpforms-field-size-icon-size: 0.75;\n\t\t\t}\n\t\t\t<\/style><div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-1513\"><form id=\"wpforms-form-1513\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1513\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fposts%2F1535\" data-token=\"ecf83bf758849f7a574763260f917494\" data-token-time=\"1778161815\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-field-container\"><div id=\"wpforms-1513-field_1-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"1\"><fieldset><legend class=\"wpforms-field-label\">Name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-1513-field_1\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][1][first]\" aria-errormessage=\"wpforms-1513-field_1-error\" required><label for=\"wpforms-1513-field_1\" class=\"wpforms-field-sublabel after\">First<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-1513-field_1-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][1][last]\" aria-errormessage=\"wpforms-1513-field_1-last-error\" required><label for=\"wpforms-1513-field_1-last\" class=\"wpforms-field-sublabel after\">Last<\/label><\/div><\/div><\/fieldset><\/div><div id=\"wpforms-1513-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label\" for=\"wpforms-1513-field_2\">Email <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-1513-field_2\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][2]\" spellcheck=\"false\" aria-errormessage=\"wpforms-1513-field_2-error\" required><\/div><div id=\"wpforms-1513-field_4-container\" class=\"wpforms-field wpforms-field-number\" data-field-id=\"4\"><label class=\"wpforms-field-label\" for=\"wpforms-1513-field_4\">Phone<\/label><input type=\"number\" id=\"wpforms-1513-field_4\" class=\"wpforms-field-small\" name=\"wpforms[fields][4]\" placeholder=\"(123) 456-7890\" min=\"10\" max=\"20\" step=\"any\" aria-errormessage=\"wpforms-1513-field_4-error\" ><\/div><div id=\"wpforms-1513-field_7-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"7\"><fieldset><legend class=\"wpforms-field-label\">Best time to reach you<\/legend><ul id=\"wpforms-1513-field_7\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-1513-field_7_1\" name=\"wpforms[fields][7][]\" value=\"Morning\" aria-errormessage=\"wpforms-1513-field_7_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1513-field_7_1\">Morning<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-1513-field_7_2\" name=\"wpforms[fields][7][]\" value=\"Afternoon\" aria-errormessage=\"wpforms-1513-field_7_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1513-field_7_2\">Afternoon<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"checkbox\" id=\"wpforms-1513-field_7_3\" name=\"wpforms[fields][7][]\" value=\"Evening\" aria-errormessage=\"wpforms-1513-field_7_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1513-field_7_3\">Evening<\/label><\/li><\/ul><\/fieldset><\/div>\t\t<div id=\"wpforms-1513-field_5-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"5\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-1513-field_5\" >reach Best time<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-1513-field_5\" class=\"wpforms-field-medium\" name=\"wpforms[fields][5]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-1513-field_3-container\" class=\"wpforms-field wpforms-field-textarea\" data-field-id=\"3\"><label class=\"wpforms-field-label\" for=\"wpforms-1513-field_3\">Message<\/label><textarea id=\"wpforms-1513-field_3\" class=\"wpforms-field-medium\" name=\"wpforms[fields][3]\" aria-errormessage=\"wpforms-1513-field_3-error\" ><\/textarea><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-1513-field_5-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-1513-field_5-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-1513-field_5-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"1513\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/posts\/1535\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1513\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img decoding=\"async\" src=\"http:\/\/goolsbylawoffice.com\/wp-content\/plugins\/wpforms-lite\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3797d3a e-flex e-con-boxed e-con e-parent\" data-id=\"3797d3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-24e4118 e-con-full e-flex e-con e-child\" data-id=\"24e4118\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-262d606 elementor-widget elementor-widget-text-editor\" data-id=\"262d606\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Congress has found that many \u201ccredit repair\u201d companies rip off consumers through certain advertising and business practices. According to the Federal Trade Commission, those businesses mislead consumers into believing that adverse information in their credit reports can be deleted even if it\u2019s accurate and recent.\u00a0 Consumers are thereby cheated out of the money they pay for \u201ccredit repair.\u201d<\/p><p>By encouraging and facilitating disputes to credit bureaus of\u00a0accurate\u00a0credit information, such credit repair companies cause credit bureaus like Equifax, Experian, and Trans Union to tend to view all consumer disputes with suspicion.\u00a0 That makes it harder for people with actual false information to get it corrected. So credit repair scams are a plague on the whole system.<\/p><p>In response, Congress passed the Credit Repair Organizations Act, to protect the public from unfair or deceptive practices by credit repair companies and to make sure people are informed before they pay for \u201ccredit repair.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d4cf89 elementor-widget elementor-widget-text-editor\" data-id=\"4d4cf89\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If a credit repair company has taken advantage of you, you are not alone. \u00a0Contact us for a free consultation about your rights. \u00a0If you\u2019ve been ripped off, we\u2019ll go after the credit repair company and make them pay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc0442 elementor-widget elementor-widget-text-editor\" data-id=\"7fc0442\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Credit repair companies may not:<\/p>\n<ul>\n<li>Make any misrepresentations about a consumer\u2019s credit to credit bureaus or creditors<\/li>\n<li>Misrepresent the services of the company<\/li>\n<li>Charge or receive payment before services are fully performed<\/li>\n<li>Provide services without a written contract signed and dated by the consumer<\/li>\n<li>Try to obtain a waiver of any provisions of the law for credit repair organizations<\/li><\/ul><ul>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca0cf7f elementor-widget elementor-widget-text-editor\" data-id=\"ca0cf7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 0.875rem;\">Credit repair companies must give you,\u00a0in writing:<\/span><\/p><ul><li>A specific Disclosure of Consumer Credit File Rights<\/li><li>The Terms and conditions of payment<\/li><li>A full and detailed description of their services, including any guarantees and an estimated time frame for completion<\/li><li>The company\u2019s name and address<\/li><li>A Notice of your right to cancel<\/li><li>A form for canceling<\/li><li>A copy of the signed agreement and anything else they make you sign<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ad24fb elementor-widget elementor-widget-text-editor\" data-id=\"6ad24fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 0.875rem;\">Credit repair companies must do things in this order:<\/span><\/p><ul><li>Provide disclosure of Consumer Credit File Rights<\/li><li>Have consumer sign compliant contract<\/li><li>Wait for 3-day cancellation period<\/li><li>Fully perform service<\/li><li>Only then may they charge and receive payment<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fdedbd e-con-full e-flex e-con e-child\" data-id=\"4fdedbd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f82ef5b elementor-widget elementor-widget-heading\" data-id=\"f82ef5b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">CONTACT US TODAY<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-264b432 elementor-widget elementor-widget-wpforms\" data-id=\"264b432\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wpforms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wpforms-container wpforms-container-full wpforms-render-modern\" id=\"wpforms-1513\"><form id=\"wpforms-form-1513\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"1513\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/index.php?rest_route=%2Fwp%2Fv2%2Fposts%2F1535\" data-token=\"ecf83bf758849f7a574763260f917494\" data-token-time=\"1778161815\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-field-container\"><div id=\"wpforms-1513-field_1-container\" class=\"wpforms-field wpforms-field-name\" data-field-id=\"1\"><fieldset><legend class=\"wpforms-field-label\">Name <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><div class=\"wpforms-field-row wpforms-field-medium\"><div class=\"wpforms-field-row-block wpforms-first wpforms-one-half\"><input type=\"text\" id=\"wpforms-1513-field_1\" class=\"wpforms-field-name-first wpforms-field-required\" name=\"wpforms[fields][1][first]\" aria-errormessage=\"wpforms-1513-field_1-error\" required><label for=\"wpforms-1513-field_1\" class=\"wpforms-field-sublabel after\">First<\/label><\/div><div class=\"wpforms-field-row-block wpforms-one-half\"><input type=\"text\" id=\"wpforms-1513-field_1-last\" class=\"wpforms-field-name-last wpforms-field-required\" name=\"wpforms[fields][1][last]\" aria-errormessage=\"wpforms-1513-field_1-last-error\" required><label for=\"wpforms-1513-field_1-last\" class=\"wpforms-field-sublabel after\">Last<\/label><\/div><\/div><\/fieldset><\/div>\t\t<div id=\"wpforms-1513-field_5-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"5\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-1513-field_5\" >to Best Message<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-1513-field_5\" class=\"wpforms-field-medium\" name=\"wpforms[fields][5]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-1513-field_2-container\" class=\"wpforms-field wpforms-field-email\" data-field-id=\"2\"><label class=\"wpforms-field-label\" for=\"wpforms-1513-field_2\">Email <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-1513-field_2\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][2]\" spellcheck=\"false\" aria-errormessage=\"wpforms-1513-field_2-error\" required><\/div><div id=\"wpforms-1513-field_4-container\" class=\"wpforms-field wpforms-field-number\" data-field-id=\"4\"><label class=\"wpforms-field-label\" for=\"wpforms-1513-field_4\">Phone<\/label><input type=\"number\" id=\"wpforms-1513-field_4\" class=\"wpforms-field-small\" name=\"wpforms[fields][4]\" placeholder=\"(123) 456-7890\" min=\"10\" max=\"20\" step=\"any\" aria-errormessage=\"wpforms-1513-field_4-error\" ><\/div><div id=\"wpforms-1513-field_7-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-id=\"7\"><fieldset><legend class=\"wpforms-field-label\">Best time to reach you<\/legend><ul id=\"wpforms-1513-field_7\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-1513-field_7_1\" name=\"wpforms[fields][7][]\" value=\"Morning\" aria-errormessage=\"wpforms-1513-field_7_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1513-field_7_1\">Morning<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"checkbox\" id=\"wpforms-1513-field_7_2\" name=\"wpforms[fields][7][]\" value=\"Afternoon\" aria-errormessage=\"wpforms-1513-field_7_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1513-field_7_2\">Afternoon<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"checkbox\" id=\"wpforms-1513-field_7_3\" name=\"wpforms[fields][7][]\" value=\"Evening\" aria-errormessage=\"wpforms-1513-field_7_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-1513-field_7_3\">Evening<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-1513-field_3-container\" class=\"wpforms-field wpforms-field-textarea\" data-field-id=\"3\"><label class=\"wpforms-field-label\" for=\"wpforms-1513-field_3\">Message<\/label><textarea id=\"wpforms-1513-field_3\" class=\"wpforms-field-medium\" name=\"wpforms[fields][3]\" aria-errormessage=\"wpforms-1513-field_3-error\" ><\/textarea><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-1513-field_5-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-1513-field_5-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-1513-field_5-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"1513\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/posts\/1535\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-1513\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img decoding=\"async\" src=\"http:\/\/goolsbylawoffice.com\/wp-content\/plugins\/wpforms-lite\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\"><\/div><\/form><\/div>  <!-- .wpforms-container -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>More than ten years after the start of the subprime mortgage crisis, mortgage servicing problems continue to be widespread. The federal Consumer Financial Protection Bureau reports that it receives over &#8230;<\/p>\n","protected":false},"author":1,"featured_media":1717,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":["post-1535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-areas-of-practice"],"_links":{"self":[{"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/posts\/1535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1535"}],"version-history":[{"count":16,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/posts\/1535\/revisions"}],"predecessor-version":[{"id":1841,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/posts\/1535\/revisions\/1841"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=\/wp\/v2\/media\/1717"}],"wp:attachment":[{"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1535"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/goolsbylawoffice.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}