I was one that was guilty of trying to make deals work for folks especially in the beginning.

By then filing for foreclosure the Mortgagee (the OP) would be guilty of dual tracking which is expressly forbidden.

From what I can tell, false advertising is not only shady as hell, but is also illegal, and subject to enforcement by the FTC.Here's what I was able to dig up on 15 USC § 54 - False advertisements; penalties:or if such violation is with intent to defraud or mislead, be guilty of a misdemeanor, and upon conviction shall be punished by a fine of not more than $5,000 or by imprisonment for not more than six months, or by both such fine and imprisonment; except that if the conviction is for a violation committed after a first conviction of such person, partnership, or corporation, for any violation of such section, punishment shall be by a fine of not more than $10,000 or by imprisonment for not more than one year, or by both such fine and imprisonment:Perhaps you'll reconsider such tactics . . .

Upon service of the responsive pleadings, if any, the matter shall proceed as in chancery cases.

I'm guilty of underfunding as well.Now, here's where you can help yourself.

Brian,I sent a email to the David the lawyer from the link you posted asking him to provide me with court cases where someone was found guilty of to a LO in Texas and I will see if he will respond with court cases or BS.Joe Gore

Pleading ignorance may help but only if you fix the issue or get on someone's good side.

Of course, this is only to try to make him feel guilty.

The boundaries are indistinct.I've been guilty of this, too.

I believe that they do that to protect the guilty ... otherwise, nobody would want to rent to those evicted tenants, and no tenant would want to rent from some landlord against whom lots of tenant complaints have been filed.