Regulation-ready
foreclosure filings for
community lenders.
Pleadbound assembles jurisdiction-specific filing packages — notices of default and sale, affidavits of indebtedness, trustee instruments, lis pendens, and supporting exhibits — from the current statutes of the relevant state. Each package ships with a complete audit log, redemption and publication calendaring, and a clean handoff to your foreclosure counsel or substitute trustee.
Built for community banks, credit unions, and nonbank mortgage servicers that lack the scale to deploy a full enterprise default suite.
01 · The platform
State-aware filing packages, assembled from current statute.
Every product in a Pleadbound package is jurisdiction-specific — not a generic template re-used across states. The platform reads the relevant statute, pulls the required instruments, and produces a filing-ready record your counsel or trustee can sign off on.
- Borrower identification and loan record
- Lien instrument and recording data
- Case detail (jurisdiction, track, status)
- Prior correspondence and loss-mitigation history
- Notice of Default (state-specific)
- Notice of Sale
- Affidavit of Indebtedness
- Trustee instruments and assignments
- Lis Pendens / statutory declarations
- Supporting exhibits and timelines
02 · Compliance posture
A compliance posture built for the post-FSOC scrutiny window.
The FSOC 2024 Annual Report signaled heightened supervisory focus on nonbank mortgage servicers, and state foreclosure statutes continue to diverge. Pleadbound keeps a smaller lender aligned with the federal framework while remaining current on per-state obligations — without the cost or vendor lock-in of an end-to-end servicing platform.
- RESPA
- Real Estate Settlement Procedures Act — disclosure and error-correction posture across every servicer touchpoint.
- Regulation X
- The federal mortgage servicing framework — notices, timing, and loss-mitigation sequencing carried into every filing.
- State foreclosure statutes
- State-by-state notice and publication cadence, redemption and reinstatement windows, sale mechanics.
- Lis pendens mechanics
- Recording-first obligations, content requirements, and duration rules per jurisdiction.
- Audit retention
- Field-level audit logs retained alongside the package for the depth your regulator and your counsel require.
- Vendor handoff
- A documented channel to foreclosure counsel networks and substitute trustees — covers who, what, when.
03 · Enterprise vs. Pleadbound
Enterprise default-suite posture, without the enterprise contract.
04 · Workflow
From borrower file to filed package, in four steps.
- 01
Upload the borrower, lien, and case file.
Hand off the package you already have — borrower details, instrument record, and case record. No new system of record.
- 02
Select the jurisdiction and track.
Pleadbound assembles the right products from current state statute — notices, affidavits, statutory declarations — and pulls every required reference.
- 03
Review against the audit log.
Every field, document, and statutory citation is recorded. Review, request adjustments, and re-issue without losing provenance.
- 04
Handoff to counsel or substitute trustee.
Send the assembled package to outside counsel, a foreclosure counsel network, or a substitute trustee through the vendor portal — without re-keying.
Get started
Bring enterprise-grade compliance to your foreclosure stack.
Email us for a walkthrough and a sample package assembled from your jurisdiction. Inquiries about partnership, jurisdiction coverage, and integration with existing counsel networks are all welcome.
Replies typically within one business day. Production access follows a short qualification call and a sample-package review on a real file.