Carrington Mortgage is a direct lender and loan servicer that offers borrowers a range of mortgage products and services. The company was founded in 2003 and is headquartered in California. It is one of the largest independent mortgage lenders in the country. Carrington Mortgage specializes in various loan products, including fixed and adjustable mortgages. The company also offers government-backed loans, such as FHA and VA loans, specialty mortgage products, such as jumbo loans, investment property loans, and reverse mortgages. In addition to its mortgage products, Carrington Mortgage also provides loan servicing and management. The company also offers loan modification programs for those having difficulty making their mortgage payments.

Unfortunately, many of their customers find themselves in situations with Carrington Mortgage that require legal action. If you're currently in this situation, you probably wonder, "How do I sue Carrington Mortgage?" This blog post will answer that very question.

Generate and mail a demand letter in minutes from your phone or computer using Dispute's software.

Step 1: Gather Evidence

Before you start suing Carrington Mortgage, you will need to gather evidence proving they have violated the terms of your loan agreement. This could include documents such as the loan agreement, proof of payments, and any other correspondence with Carrington Mortgage. Additionally, if you have any evidence of a breach of contract, such as an email, voicemail, or text message, these can be used to strengthen your case.

Step 2: Consider an Attorney

Once you have gathered all the necessary evidence, the next step is to contact an attorney. An experienced attorney will be able to review your evidence and provide you with advice on the best course of action. They will also be able to represent you in court, should it come to that.

Step 3: File a Complaint

If you decide to pursue legal action against Carrington Mortgage, the next step is to file a complaint. This complaint should include all the evidence you have gathered and a detailed explanation of how Carrington Mortgage violated your loan agreement. Once you have drafted the complaint, you will need to file it with the appropriate court.

Step 4: Serve Carrington Mortgage

Once the complaint has been filed, you will need to serve Carrington Mortgage with a copy of the complaint. This can be done by a process server, mail, or other means, depending on the court’s requirements.

Step 5: Prepare for Trial

If Carrington Mortgage does not respond to the complaint or the court rules in your favor, the next step is to prepare for trial. This involves ensuring you have all the necessary evidence and documents to present your case in court. Additionally, you may need to hire expert witnesses to testify on your behalf.

You should know that the process of filing a lawsuit against someone can be complicated and time-consuming. If the situation seems to be a bit smaller than hiring an attorney and filing a civil suit, you can consider small claims court. The benefit of small claims court is that lawyers aren’t required. This makes small claims less intimidating and more affordable for most Americans

With Dispute software, you can start your small claims case by generating, signing, and mailing a demand letter and small claims filing in minutes from your phone or computer. Keep reading below for more info on how to move forward.

Write a Demand Letter

demand letter is a formal letter asking for payment. Strongly worded demand letters on professional letterhead have a better chance of reaching a settlement out of court than regular letters. At Dispute, you can generate a demand letter in minutes.

  1. On the top, in the address block, put in the company name and address. You can find the registered agent at the bottom of this page.
  2. Next, put the subject line as 'Re: Demand for Payment'
  3. In one sentence, tell them how much the other party owes you which you will claim in your small claims lawsuit.
  4. Then, in two to three sentences describe your issue.
  5. Finally, state in plain language that you will go to small claims court if necessary. Don't say that you will do anything else, such as speaking poorly about them.
  6. On the bottom, include your name and address

How to Send a Demand Letter

After you write the demand letter, you’ll want to send it to their registered agent so that it’s guaranteed to go to the legal department. Make sure that you get a tracking number for the mail you send them. It can become important evidence in your case.

Demand letters are often mailed. But if you don’t have time to find a printer, buy an envelope, and visit a post office, we can mail it for you. Send your demand letter with just a click from the comfort of your home with Dispute.

Start your Small Claims Forms

If the dealership does not pay you after receiving the demand letter, you can file a small claim to win your money back. Although this may sound complicated, small claims is actually less complicated than regular court. There are some county guidelines you’ll have to follow, but filing with Dispute can make it easier on you.

You’ll need to find and prepare your small claims form based on where you decide to sue. Usually, people sue where the defendant lives or does business.

Then, wherever you decide to sue, look up the county's small claims system. They’ll provide details on their website about what small claims forms are necessary. You can read more about the small claims process here.

Serve your Small Claims Paperwork

One of the last steps before your trial will be to physically give the small claims paperwork to the defendant. This is called “serving” the defendant. You can’t serve the defendant yourself, but you can find someone else to do it. Many people hire professional process servers. There are legal guidelines that you must follow so that your case can go to court.

Defendants may sometimes avoid service. In order to keep your court date, you should hire a professional process server so that you can be sure all legal guidelines are appropriately followed.

Attend your Small Claims Trial

On the date of your small claims trial, be sure to arrive early and well prepared. Bring at least three copies of all evidence you intend to present, and if your hearing is remote be sure to have provided copies in advance to the other party and to the court. Failure to follow the strict local guidelines can result in your case being dismissed, but if you’ve followed the rules then you can often win by default when the other party doesn’t show up.

How Much it Costs

So how much will you spend by suing in small claims court?

  • Court Filing Fees: The amount you will pay to file a small claims lawsuit depends on how much you are suing for and where you are suing. You can expect to pay between $30 to $400 to file the lawsuit. If you cannot afford to pay court fees, you can ask the court to waive the fees.  ‍
  • Serving Costs: Once the lawsuit is filed, you must notify the defendant that you have sued them. This is called "serving." Serving Costs can range from $20-100 depending upon the local area.

‍Remember, if you win, you can request that the other party pay for your court fees and serving costs.‍

The Benefits of Small Claims Court

  1. Court filing fees are cheaper in small claims than in other courts.
  2. The process is faster in small claims than in other courts, as your hearing will usually be scheduled 30-70 days after you file the lawsuit.
  3. Lawyers are generally not allowed in small claims, which helps keep the costs of suing low.  

Taking the First Step in Your Lawsuit

If all of this work seems complicated or daunting, rest assured that it's easier than it initially seems. 2.7 million small claims court cases are filed annually in the US, which is only growing as more people realize how easy it is to enforce their legal rights in court.

Suing can be a complex and challenging process. It's essential to gather evidence and understand the legal process. If you believe that you have been the victim of this crime, don't hesitate to seek legal advice. By taking action, you can hold the company accountable for its actions and receive the compensation you deserve.