Client, who has owned her home for 23 years, needs to remove a mortgage from her property. Client purchased the property outright from her father in 1996. Client’s father took out a Bank of America mortgage for $18,000 two years later in 1998, securing client’s property as collateral, despite him no longer being an owner. Client’s father died in 2018 and likely did not make any payments towards the mortgage. Client received a notice of intent to foreclosure in March 2019 with the principal and interest amounting to $56,000. Foreclosure proceedings have not yet been initiated. A previous volunteer has sent demand letters to the bank, but there has been no response. Client would like the mortgage to be void, as she received no benefit. A volunteer must file a quiet title action to remove the encumbrance from the property.