foreclosure-complaint

name	foreclosure-complaint
title	Foreclosure Complaint
description	Drafts U.S. judicial foreclosure complaints pleading standing, chain of title, default, and amounts due with jurisdiction-specific compliance and exhibit control. Triggered when the user needs a foreclosure complaint, mortgage foreclosure pleading, note-and-mortgage enforcement action, or default-based real estate litigation involving acceleration, standing, or lost-note issues.
author	CaseMark
author_url	https://github.com/CaseMark/skills/tree/main/skills/legal/foreclosure-complaint
license	Apache-2.0
version	0.1.0
execution_mode	open
jurisdiction	us
practice	real-estate
language	en
tags	["drafting","litigation","pleading"]

Foreclosure Complaint

Draft a court-ready judicial foreclosure complaint with verified standing, default allegations, and itemized relief.

Prerequisites

Collect before drafting:

1. Loan documents — note, mortgage/deed of trust, riders, endorsements/allonges
2. Assignment chain — each note/mortgage transfer with dates and recording data
3. Payment history — last paid installment, default date, arrearage breakdown
4. Pre-suit notices — breach/acceleration/right-to-cure letters with proof of service
5. Property data — legal description, parcel ID, address, recording info
6. Jurisdiction rules — venue statute, foreclosure statute, verification/affidavit requirements
7. Interested parties — borrower(s), guarantors, junior lienholders, HOA/condo, tenants

Inputs

Field	Required	Notes
Court/County	Yes	Must match property location and venue statute
Plaintiff identity	Yes	Entity type, state of formation, capacity (holder/servicer)
Defendant list	Yes	All parties with record or claimed interests
Note terms	Yes	Date, principal, rate, payment schedule, maturity
Mortgage terms	Yes	Date, recording book/page or instrument no.
Property legal description	Yes	Exact as recorded; include street address
Default date	Yes	First missed payment date
Amounts due	Yes	Principal, interest, fees, advances, per diem
Notices	Yes	Dates, method, content compliance
Standing facts	Yes	Chain of assignments and note possession
Modifications	If any	Dates, material terms, recalculated amounts

Workflow

1. Build Pleading Structure

Follow this section order:

• Caption — court, parties, case type, case no. placeholder