Well, again, we're not in foreclosure, but we don't have the money for a lawyer either. I'd LOVE to find one that could fight for clear title, succeed, and then we could pay them out of the money we'd normally be paying the false mortgage companies, but that would have to be a contingency arrangement and they'd have to be sure they could win!
As Chuck posted this is a scam. What grounds do you have to "fight" for quiet title? When homeowners fall victim to these swindlers and tries to get a quiet title one of 2 things happen.
1. They do NOT use proper service (one part of a lot of scams). While the homeowner "wins" a default judgment, this is NOT binding on the owner/holder and is VOID. It may take a little while for the owner/holder to figure out what you did because you never served them properly. When you stop paying them based on a VOID judgment they will quickly sell your home (non-judicial) because you are probably going to ignore their notices (you THINK you quieted the title).
2. The owner/holder shows up in court, you lose, and you are responsible for THOUSANDS of dollars in attorney fees for the bank. You certainly will find out who can enforce your note and is entitled to the payments. It is just going to cost you several THOUSAND dollars in addition to any cost you pay to bring the action.
Most attorneys KNOW this. This is why you will have a very difficult time finding an attorney willing to take your suggested action. This is where swindlers like Mike H. step in and offer to "help" you bring the action for a fee.
Of course, if you look hard enough you will find an attorney that will file ANYTHING if you pay them enough. In this case, you will be out his fee plus the costs of the bank defending the action.
What a lot of the swindlers fail to tell homeowners is that a quiet title action does NOT wipe the note. Even IF you did have a clear title, you would still owe the money on the note and they most likely could get a judgment then garnish your wages and find other ways to get their money.
There is NO such thing as a free house.
We've contacted attorneys and they send us stupid form letters saying they can't help us!
There is a reason why.