I am in a same situation .
Have over $160K in TCPA and per advise of an attorney a very good chance to cash in on more than half, but I'll be waiting.
You see, if the mortgage company has not foreclosed (as mine hasn't, lets say, due to internal issues), you need leverage
in case they do and there is a deficiency or any other problems, which may require you to pay out of pocket.
TCPA has a 4 year SOL .
My case was dismissed w/o prejudice about 9 months ago, but now I got even more violations (FCRA, FDCPA, RESPA, etc) on
lender and its collectors and it keeps accumulating. (FDCPA for CAs has 1 year SOL).