Loans

Servicing analysis can focus on payment posting, interest and fee calculations, account statements, modification activity, default status, payoff figures, collection records, and communications. A suitably qualified loan servicing expert witness can compare the servicing history with account records and documented loan terms to identify inconsistencies, disputed entries, or calculation issues.

Automotive financing disputes can involve retail installment financing, direct auto loans, payment history, payoff balances, default records, repossession-related accounting, deficiency calculations, and dealer or lender communications. A suitably qualified expert can reconstruct the account and explain how those records relate to the disputed financing transaction.

Underwriting records can show what information was documented as available when credit was approved, including applications, financial statements, credit information, cash-flow data, collateral documentation, approval memoranda, policy exceptions, and funding conditions. Expert review can reconstruct the underwriting sequence and determine what the file documents about the basis for the lending decision.

A disputed default balance may require review of payment ledgers, interest calculations, fees, modifications, forbearance records, notices, payoff statements, and account reconciliations. The analysis can reconstruct changes in the balance over time and identify the calculations or account entries underlying the claimed amount due.