Is Trott Law legit -- and what do you do if they contact you?

Yes -- Trott Law, P.C. is a legitimate, active law firm based in Farmington Hills, Michigan (formerly known as Trott & Trott, P.C.), with a Minnesota office in St. Paul. It is not a scam. What makes this firm different from a typical debt collector is what it actually does: its work is PREDOMINANTLY MORTGAGE FORECLOSURE and mortgage-default servicing -- default, bankruptcy, eviction, and litigation on home loans. That means the usual consumer debt-settlement framing does NOT apply here. There is no unsecured balance to "settle," there's no savings-calculator scenario, and the clock is not driven by unsecured-debt negotiation -- it's driven by foreclosure notice deadlines, redemption periods, and eviction timelines. If you're getting notices from Trott Law, it usually means your mortgage is in default and moving toward foreclosure, so the things that actually help are on the secured track: loss mitigation or a loan modification with your servicer, reinstatement or payoff, and understanding your state's redemption rights -- often with a HUD-approved housing counselor or legal aid. A firm that regularly collects is still a "debt collector" under the FDCPA, so you keep your validation and dispute rights on the debt -- but the MATTER itself is secured, so read every notice carefully and meet its deadlines. It is not a scam, but scammers do impersonate foreclosure firms to pressure quick wires, so verify that any notice or demand came through proper channels before you send money.

Seeing "Trott Law" on a letter is stressful, because it usually arrives when a mortgage is already behind. Here's the calm version: Trott Law, P.C. is a real, active Michigan law firm, not a scam -- and because its work is mostly mortgage foreclosure, your path is very different from settling an ordinary credit-card debt. What matters most is reading each notice and acting on its deadlines.

Short answer

Yes, Trott Law is legit -- an active Farmington Hills, Michigan law firm (formerly Trott & Trott, P.C.) whose work is predominantly mortgage foreclosure and default servicing, with a St. Paul, Minnesota office. If they're contacting you, it usually means a mortgage default, so you're on the foreclosure/secured track -- not the debt-settlement track. Focus on your notice deadlines, redemption rights, and options with your servicer.

Who Trott Law is

Trott Law, P.C. is a creditors'-rights and default-servicing law firm based in Farmington Hills, Michigan, formerly known as Trott & Trott, P.C., with an office in St. Paul, Minnesota. It is a high-volume Michigan foreclosure firm, and its work is predominantly mortgage foreclosure and mortgage-default servicing -- handling default, bankruptcy, eviction, and litigation on home loans for mortgage servicers and lenders. Because it regularly collects, it can act as a debt collector under the FDCPA -- but the matters it works are secured mortgage matters, not unsecured consumer accounts.

Foreclosure is a secured track with different rules

This is the key thing to understand: a mortgage is a secured debt, tied to your home. So consumer debt-settlement framing does not apply here. There is no unsecured balance to "settle," and there is no savings-calculator scenario -- a homeowner's path is the foreclosure/secured track. What drives the timeline is not negotiation over an unsecured balance; it's foreclosure notice deadlines, redemption periods, and eviction timelines, which vary by state.

Read every notice and meet its deadlines. Missing a foreclosure deadline can cost you options that a late response can't recover.
Understand your state's redemption rights. Some states give a window to reinstate or redeem after a sale -- see how to stop a foreclosure.
Know the default-to-foreclosure path. If you're not sure where you are in the process, review what happens if you stop paying your mortgage.

What actually helps

On a secured mortgage matter, the useful moves are with the servicer and the process -- not a settlement offer on an unsecured balance:

Loss mitigation or a loan modification with your mortgage servicer, which can restructure the loan to make it affordable.
Reinstatement or payoff -- bringing the loan current, or paying it off, within the window your state and loan allow.
Understanding your redemption rights and any right to cure the default before a sale.
A HUD-approved housing counselor or legal aid. These are often free and can help you weigh options and communicate with the servicer.

Also understand what happens after a sale: whether a lender can still pursue you depends on your state. See whether you still owe money after a foreclosure and whether a mortgage lender can sue you after foreclosure for a deficiency.

Your rights still apply -- but the matter is secured

An attorney or firm that regularly collects is still a debt collector under the FDCPA, so you keep your rights on the debt: you can request written validation, ask that any notice name the current owner or servicer of the loan, and dispute anything inaccurate. Just remember the underlying matter is secured -- so validation and dispute rights don't turn a mortgage into a negotiable unsecured balance. The foreclosure process and its deadlines keep running while you exercise those rights, so act promptly.

Is it a scam?

No -- Trott Law, P.C. is a real, active law firm, not a fake front. But scammers do impersonate foreclosure firms to pressure homeowners into quick wire transfers, so verify before you send any money: real notices come through proper channels tied to your actual loan and servicer, and a legitimate firm won't demand an untraceable wire on the spot. If something feels rushed or off, contact your servicer directly using the number on your statement, and consider a HUD-approved housing counselor or legal aid. Like many high-volume default-servicing firms, it can draw consumer complaints or regulatory scrutiny -- that alone doesn't make it illegitimate.

If it's a genuinely-owed mortgage default

If your mortgage really is in default, the honest path is the secured one: work the process. That means talking with your servicer about loss mitigation, reinstatement, or a modification; understanding your state's redemption and eviction timelines; and getting help from a HUD-approved housing counselor or legal aid. Do not treat this as a negotiable unsecured debt or route yourself to a debt-settlement or savings tool -- those are for unsecured consumer balances, and a home mortgage is neither. The right move is to act on the notices in front of you, on time, with qualified help.

This page is general information, not legal or tax advice. Your rights and timelines vary by state, and secured mortgage and foreclosure matters are treated very differently from unsecured consumer debts; consider consulting a qualified attorney, a HUD-approved housing counselor, or legal aid.