Travis C. Mills and Regina Harrell Mills have taken a bold step by filing a lawsuit against Rocket Mortgage, LLC, along with several officials, in the United States District Court for the Western District of Louisiana on February 26, 2025. The complaint alleges fraudulent foreclosure practices and violations of due process rights. This case could potentially impact how mortgage foreclosures are handled in Louisiana and beyond.
The plaintiffs, Travis C. Mills and Regina Harrell Mills, filed their complaint against Rocket Mortgage, LLC (formerly known as Quicken Loans, LLC), Judge Walter M. Caldwell IV, Sheriff Mike Tubbs, and Attorney Herschel C. Adcock Jr., asserting claims under federal law including the Fair Debt Collection Practices Act (FDCPA) and constitutional due process violations. The lawsuit was filed in the United States District Court for the Western District of Louisiana on February 26, 2025.
According to the plaintiffs' allegations, they were subjected to an unlawful foreclosure process orchestrated by Rocket Mortgage and facilitated by local officials. They claim that Judge Walter M. Caldwell IV authorized foreclosure actions based on fraudulent documents without proper due process. Additionally, Sheriff Mike Tubbs is accused of enforcing a Writ of Seizure despite these alleged irregularities. Attorney Herschel C. Adcock Jr., representing Rocket Mortgage, is said to have knowingly submitted fraudulent documents during the foreclosure proceedings.
The Mills argue that they discovered significant discrepancies in their mortgage documents which suggest deceptive lending practices. These include inconsistencies between the mortgage and note terms and conditions that render the contract unenforceable under established case law such as Carpenter v. Longan (1872). Furthermore, they allege that key loan terms were obscured within paragraphs rather than being clearly presented as required by federal lending laws like the Truth in Lending Act (TILA).
The plaintiffs are seeking multiple forms of relief from the court: an emergency stay on foreclosure proceedings pending resolution of their case; a formal investigation into Judge Caldwell's and Attorney Adcock's conduct with potential disciplinary action; removal of jurisdiction from state court; and any just or equitable relief deemed appropriate by the court.
Representing themselves pro se in this legal battle are Travis C. Mills and Regina Harrell Mills who reside at 6950 Westlake Road in Sterlington, Louisiana. The case is identified as Case No: 3:25-cv-00239 with proceedings taking place before an unspecified judge at this time.