Build your case
The work that runs for months, not hours
Get Help is for the week you are in. This page is for the record you are building: what to keep, where to file it, and the legal grounds a lawyer will ask you about. None of it is fast, and all of it compounds.
In immediate danger of eviction or a sale date? Start at Get Help instead, then come back here.
Document everything, starting today
What to save, how to record it, and why the paper trail is the part of this you control.
- What to save: Every letter, email, voicemail, phone call record, text message, and VA portal screenshot. Note who you spoke with, when, and what they said.
- Where to file reports:
- CFPB complaint: consumerfinance.gov/complaint
- VA OIG hotline: va.gov/oig/hotline
- State Attorney General: search "[your state] attorney general consumer complaint"
- Your Congressional representatives: Call (202) 224-3121 and file a constituent casework request.
- Why this matters even if it doesn't stop your foreclosure: Every complaint filed is evidence. When attorneys bring class action or injunctive relief, they need documented patterns across families. Your filing makes the case stronger for everyone.
Counsel is scarce for structural reasons, and fee-shifting is the fact that changes the ask
Why these cases are hard to place, the three things attorneys can actually do, and the provision that makes the work payable.
You may have heard: “the VA isn’t the one foreclosing” →
The largest concrete gap in this crisis is legal representation. Families need attorneys who work in RESPA and mortgage-servicing litigation, and there are three things those attorneys can do that nothing else on this site can:
- File for injunctive relief. A court order pausing foreclosures and evictions until H.R. 1815 is implemented, or until the VA complies with its own circulars and statutory authority.
- Bring a class action. Represent the 15,000+ families who have already lost homes and the 90,000 in foreclosure right now, rather than one case at a time. DOCUMENTED FACT Sen. Blumenthal, Senate Veterans’ Affairs Committee, May 20, 2026; ICE Mortgage Technology data via NPR.
- Enforce existing law. H.R. 1815 is signed law. 38 U.S.C. § 3732 and § 3733 give the VA authority over properties it owns. Where the VA will not act voluntarily, a judge can compel it.
Fee-shifting is the fact most families do not know to lead with. RESPA’s fee-shifting provision, 12 U.S.C. § 2605(f), and state consumer-protection statutes, make wrongful-foreclosure litigation viable as a paid engagement rather than pro bono. A family with documented servicer misconduct, rate-cap violations, dual tracking, escrow overcharges on a tax-exempt property, “Not Reviewed” loss-mitigation marks or VALERI submission failures is a paid-capable plaintiff in a fee-shifting jurisdiction. Say that when you call.
State example, Washington
Washington’s Consumer Protection Act, RCW 19.86, is the state-law half of the fee-shifting argument here, and RCW 19.86.090 is where the damages and attorney-fee provisions sit. Nearly every state has an equivalent consumer-protection statute. Search “[your state] consumer protection act attorney fees” and bring the citation to the call. RESPA fee-shifting under 12 U.S.C. § 2605(f) is federal and applies wherever you live.
Powers v. Collins is the parallel precedent. Public Counsel is litigating Powers v. Collins (9th Cir. No. 24-6576; C.D. Cal. 2:22-cv-08357; affirmed December 23, 2025) on VA non-implementation in the homeless-veteran-housing context. The same theory of unreasonable agency delay applies to the H.R. 1815 implementation gap. PROJECT ANALYSIS
Families and attorneys who want to coordinate: veteransforeclosurecrisis@gmail.com. This project tracks a documented cohort across multiple states and servicers, with congressional oversight and federal and state investigations open.