Lender cleared in foreclosure lawsuit

In the case Warren v. Countrywide Home Loans, homeowner Reginald Warren defaulted on his mortgage, and lender Countrywide Home Loans foreclosed on the property. Prior to the foreclosure, the homeowner requested that Countrywide verify the mortgage debt. Countrywide, however, failed to respond to the homeowner's debt verification request and proceeded with the foreclosure sale.

The homeowner filed suit, claiming that Countrywide's failure to verify his mortgage debt prior to the foreclosure sale violated the federal Fair Debt Collection Practices Act 15 USC §1692g(b) [FDCPA, the "Act"].

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