For almost everything the typical taxpayer has questions about, statutes (so the actual laws written by Congress) are basically highest level "authority" followed by Treasury regulations (which are the nitty gritty details fleshed out by the Internal Revenue Service at the direction usually of Congress).When I quoted from Section 168(e)(2)(A)(i), e.g., I was quoting statute, so highest level authority. 

We use microsoft so we uploaded state law information into a sharepoint site and then created an AI agent within microsoft that is a teams chatbot to ask questions about lost note affidavits, allonges, assignments, statute of limitiations, foreclosure timelines etc.We also include standard documents in the GPT like note and deed of trust for that state and ask the GPT to review the note and docs from teh seller to see if there are any out of ordinary terminology or conflicts within the documents. 

This is known as the “discovery rule,” and it can extend a buyer’s right to bring legal action even beyond the standard statute of limitations if the seller actively concealed the defect or failed to respond honestly to disclosure questions.

I recommend you read your state's statutes on this to determine specifically what is required. 

Most states (if not all) have mortgage fraud statutes, too.

Anti-SLAPP statutes exist in many U.S. jurisdictions, including Illinois, and allow for the immediate dismissal of such suits along with the recovery of attorneys’ fees and costs by the defendant.

The local statute of limitations may apply.

The local statute of limitations may apply.

Accusations have to be proven to win.Most items have a 3 year statute of limitations for a lawsuit.

If it is a loan modification to extend the mortgage, I'm guessing you might be in default or close to it.One answer for how long you have to do a loan modification is that you have until the hard money lender forecloses and the house is sold or files a lawsuit and gets a judgment.If you are in default, unless the lender drops the ball, probably within 6 years (or whatever the statute of limitations is for a breach of contract claim is in the state) of your last payment, and they'll file a lawsuit or initiate a foreclosure action.Note: This information is for educational and informational purposes only and does not constitute legal, tax, financial, or investment advice.