When to Use This Template
This template is used to join or organize a class action lawsuit against mortgage lenders for systematic fraud. Class actions allow many plaintiffs with similar claims to pursue justice collectively, sharing resources and legal representation while maximizing potential recovery.
Template Document
Class Action Notice
Join the Fight Against Mortgage Fraud
ARE YOU ELIGIBLE TO JOIN?
You may be eligible if you:
- Have or had a mortgage from a major bank
- Were not told your promissory note creates the money
- Were not informed the bank provides no consideration
- Have faced foreclosure or threat of foreclosure
- Had your loan securitized without clear disclosure
- Experienced robo-signing or document fraud
- Were charged fees and interest on money you created
- Lost your home to foreclosure
- Are current on payments but want justice
If you checked ANY box above, you may be eligible to join this action!
LEGAL CLAIMS BEING PURSUED
- FRAUD - Banks misrepresented that they were lending money when they were creating it from your signature
- LACK OF CONSIDERATION - Contracts are void because banks provided nothing of value
- RICO VIOLATIONS - Pattern of racketeering activity through mail and wire fraud
- UNJUST ENRICHMENT - Banks profited from money created by borrowers' signatures
- BREACH OF FIDUCIARY DUTY - Failed to disclose material facts about money creation
- VIOLATION OF TRUTH IN LENDING ACT - Failed to make required disclosures
- UNFAIR AND DECEPTIVE PRACTICES - Systematic deception of consumers
- CONVERSION - Unlawfully taking property created by borrowers
- SECURITIZATION FRAUD - Multiple sales of same notes, breaking chain of title
- QUIET TITLE - Clear clouds on property titles from fraudulent claims
POTENTIAL DAMAGES AND RELIEF
- Return of all payments made
- Clear title to your property
- Void mortgage for lack of consideration
- Treble damages under RICO
- Punitive damages for fraud
- Restoration of credit
- Injunction against foreclosure
- Disgorgement of illegal profits
- Reformation of entire mortgage system
JOINDER FORM
JOIN THE CLASS ACTION
Name: [YOUR FULL LEGAL NAME]
Address: [PROPERTY ADDRESS]
City, State, ZIP: [CITY, STATE ZIP]
Phone: [PHONE NUMBER]
Email: [EMAIL ADDRESS]
Original Lender: [ORIGINAL LENDER NAME]
Current Servicer: [CURRENT SERVICER]
Loan Amount: $[ORIGINAL LOAN AMOUNT]
Loan Date: [LOAN ORIGINATION DATE]
Account Number: [LOAN/ACCOUNT NUMBER]
[DESCRIBE YOUR DAMAGES: payments made, home loss, credit damage, emotional distress, financial hardship, etc.]
EVIDENCE TO GATHER
Please collect and preserve:
- Original loan documents and promissory note
- All correspondence from lender/servicer
- Payment history and records
- Foreclosure notices if applicable
- Evidence of robo-signing or fraud
- Recording documents from county
- Qualified Written Request responses
- Any notices sent to bank
- Credit reports showing damage
- Financial records of losses
BENEFITS OF JOINING
- NO UPFRONT COSTS - Attorneys work on contingency
- STRENGTH IN NUMBERS - Collective action more powerful
- EXPERT LEGAL TEAM - Experienced attorneys handling case
- SHARE RESOURCES - Pool evidence and expertise
- NATIONAL ATTENTION - Media coverage of class action
- PRECEDENT SETTING - Change the system for everyone
- SUPPORT NETWORK - Connect with other victims
- MAXIMUM RECOVERY - Larger damages in class action
LEGAL REPRESENTATION
Lead Counsel:
Firm Name: [LAW FIRM NAME]
Attorney: [LEAD ATTORNEY NAME, ESQ.]
Address: [FIRM ADDRESS]
Phone: [FIRM PHONE]
Email: [FIRM EMAIL]
Website: [FIRM WEBSITE]
Fee Structure: Contingency - No fee unless we win. Typical fee: 33% of recovery.
EXPECTED TIMELINE
- Phase 1 (0-3 months): Gathering class members and evidence
- Phase 2 (3-6 months): Filing class action complaint
- Phase 3 (6-12 months): Class certification proceedings
- Phase 4 (12-18 months): Discovery and depositions
- Phase 5 (18-24 months): Settlement negotiations or trial
- Phase 6 (24-36 months): Distribution of awards
Note: Timeline may vary. Some cases settle quickly, others take years.
FREQUENTLY ASKED QUESTIONS
Q: Do I need to pay anything upfront?
A: No. This is a contingency case - attorneys only get paid if we win.
Q: Can I join if I'm current on my mortgage?
A: Yes! You're still a victim of fraud even if you're paying.
Q: Will this affect my credit?
A: Part of the relief sought includes credit restoration.
Q: Can the bank retaliate?
A: Retaliation would strengthen our case and add damages.
Q: What if I already lost my home?
A: You may be entitled to significant monetary damages.
AUTHORIZATION TO JOIN CLASS ACTION
I hereby authorize the above-named attorneys to represent me in the class action against mortgage lenders for fraud, lack of consideration, and related claims. I understand this is a contingency arrangement with no upfront costs.
I verify under penalty of perjury that the information provided above is true and correct.
Signature
Name (Printed): [PRINT NAME]
Date: [DATE]
NOTARY ACKNOWLEDGMENT
State of [STATE]
County of [COUNTY]
On this _____ day of _______________, 20_____, before me personally appeared _______________, known to me to be the person who executed the foregoing instrument.
_______________________________
Notary Public
My Commission Expires: _____________
TIME IS LIMITED - STATUTES OF LIMITATIONS APPLY
Join NOW to Protect Your Rights!
Contact:
Phone: [CONTACT PHONE]
Email: [CONTACT EMAIL]
Website: [WEBSITE URL]
Filing Checklist
Before Submitting
- Review eligibility criteria and confirm you qualify
- Complete all personal and mortgage information fields
- Gather all supporting evidence and documentation
- Review the legal claims and understand the basis
- Verify attorney/law firm information if joining existing action
- Sign and date the authorization section
- Consider notarization for added weight
- Keep copies of all documents submitted
- Note statute of limitations deadlines
- Prepare damage documentation and estimates
Important Considerations
Class action joinder is a strategic decision. Joining a class action means you typically cannot pursue individual claims for the same issues. Consult with an attorney about whether joining a class action or pursuing individual litigation is more advantageous for your specific situation. Class members typically receive smaller individual awards but benefit from shared costs and expertise.
Legal Foundation
Relevant Legal Authorities
- Federal Rule of Civil Procedure 23 - Class action requirements and certification
- 18 U.S.C. § 1961-1968 - RICO (Racketeer Influenced and Corrupt Organizations Act)
- 15 U.S.C. § 1601 et seq. - Truth in Lending Act (TILA)
- 12 U.S.C. § 2601 et seq. - Real Estate Settlement Procedures Act (RESPA)
- 15 U.S.C. § 1692 et seq. - Fair Debt Collection Practices Act (FDCPA)
- State Consumer Protection Statutes - Unfair and deceptive practices laws
- Common Law - Fraud, unjust enrichment, conversion, breach of fiduciary duty