Thursday, December 30, 2010

: Bank of America Sued by Arizona and Nevada for Fra

Ads Title*:Bank of America Sued by Arizona and Nevada for Fraudulent Loan Modifications
Ads Description*:First let's review to see if this is the first time that Bank of America has been accused of pretending to modify loans:
BofA Sued AGAIN Over HAMP: Bank Accused Of Lying About Lost Paperwork
Arthur Delaney - 07/12/2010 02:00 PM In a new lawsuit seeking class-action status, homeowners accuse Bank of America of systematically and deliberately failing to comply with the Obama administration's mortgage modification program by lying to borrowers about missing paperwork and fudging their financial information, among other things... (Huffington Post)

And then . . .
Enough: Rampant Fraud in Foreclosures Means It's High Time for a National Foreclosure Moratorium
Ray Brescia - 10/04/2010 10:06 AM Officials at two major banks admit that they filed fraudulent documents in hundreds of thousands of foreclosure actions. African-American and Latino borrowers are roughly 75% more likely than white borrowers of similar economic backgrounds to face foreclosure. (Huffington Post)

And now . . .
Arizona, Nevada Sue Bank Of America Over Mortgages
New York Times - 12/18/2010 09:09 AM The attorneys general of Arizona and Nevada on Friday filed a lawsuit against Bank of America, accusing it of engaging in "widespread fraud" by misleading customers with "false promises" about their eligibility for modifications on their home mortgages...

"In withering complaints filed in state courts in both states, the attorneys general accused Bank of America of assuring customers that they would not be foreclosed upon while they were seeking loan modifications, only to proceed with foreclosures anyway; of falsely telling customers that they must be in default to obtain a modification; of promising that the modifications would be made permanent if they completed a trial period, only to renege on the deal; and of conjuring up bogus reasons for denying modifications.
"The complaints in the lawsuit in many ways echoed problems encountered by homeowners nationwide who have tried with little luck to obtain mortgage modifications from banks, often through a federal program set up for that purpose. Thousands of homeowners complain that banks repeatedly lose their documents, fail to return calls or foreclose when a homeowner believes he or she is still negotiating a modification."

Tila Solutions receives countless calls from homeowners every day who have suffered at the hands of all the major and minor banks --- describing the situations that are cited in these two most recent suits by Arizona and Nevada. And sadly, many of the people who call, seeking help, still have a hard time believing that the bank will, in the end, take their home. Why? Because they keep being told by the bank, "Not to worry, you are in review for modification," or "Just resubmit your paperwork."

Weeks later, Tila Solutions gets that call from that same homeowner again: "They sold my home, what do I do now?" If there is any message that homeowners need to hear and believe it is the fact that the bank is lying to you. There is substantial proof of it all over the news, in the courts, around the internet, and in your own neighborhoods. Those who save their homes do so by refusing to listen to the banks, and getting professional help.

It has been stated for months by many people in many walks of life: Banks do not want to modify your loan. They'll string you along because they want to foreclose on you. Why? There's no money in modification. That is the simple truth. Here's the most important thing to remember: Banks will foreclose on you while they fight the lawsuits that have been filed against them.

The way you save your home is by taking action now. There are those who think and say they'll wait for the government to do something – they will lose their homes while they wait. The bank can foreclose much faster than the government can try a case in the courts.

The success in saving your home starts with investigating the bank and holding the bank accountable for the crimes they committed against you when they gave you the loan, that's called a forensic audit. If you are already in foreclosure, then investigate the bank to find out if they even have the legal documents they need to foreclose on you—that's called a Securitization Audit. These two audits will open the doors to helping you save your home.

Tila Solutions is expert in getting these investigations done and then using them to get the bank to quit leading you on and give you a loan mod – and a good one at that. Trust the people who have the proven record of saving homes. Stop trusting the people who lied to you, cheated you, and are continuing to do so every day. When they tell you that you don't need anybody on your side, (while they are suing you) just remember that they can manipulate you and that is why they don't want a professional helping you. You are easier to lie to and bamboozle than a professional company that has the proof of all their crimes and stands up for you, fights for you, and most important of all wins for you.

Tila Solutions looks out for you. Their audits will prove you were wronged and they will use those audits to help you get a loan mod. A Tila Solutions Consultant is available for people by telephone at (702) 508-0335. Or you can visit the Tila Solutions website at http://www.tilasolutions.com. They will help you and your family. They are on your side.






Key Words: BofA, Bank of America, loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default, Securitization Audit, fraudulent loan modifications, Arizona, Nevada, Attorneys General, HAMP
Website:http://www.tilasolutions.com
Name:Helen Johnson
Address:California City USA
Phone Number / Email:(702) 508-0335 / Helen09381423@yahoo.com



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Tuesday, December 28, 2010

: Konveksi mangset dan kerudung

Ads Title*:Konveksi mangset dan kerudung
Ads Description*:Menerima produksi mangset (baju daleman muslim) dan kerudung skala besar atau kecil.

Dijamin harga murah, kualitas TOP

Dapat produksi apapun model yang diinginkan

Lokasi di Jawa Barat namun bisa kirim ke luar pulau dan ekspor
Website:http://
Name:
Address:Jawa Barat / Indonesia
Phone Number / Email:+6285287418433



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Friday, December 24, 2010

: Predatory Servicing Practices are Causing Many to

Ads Title*:Predatory Servicing Practices are Causing Many to End up in Foreclosure
Ads Description*:Thousands of people are losing their homes to foreclosure or filing bankruptcy to prevent the loss of their home through foreclosure every month. In fact, recent reports from industry insiders are claiming that there are more than 7,000 bankruptcies being filed each day, while some have projected that big banks like BofA and Wells Fargo could be releasing as many as 25,000 homes to foreclosure proceedings by December of 2010. In many instances homeowners have been led down a not-so-merry path, often being told that their home is under review for a loan mod, which inevitably is denied, as a foreclosure auction date is sent to the homeowner.

The Obama plan (HAMP program) has taken hit after hit for failing to actually save homes. In a recent news article put out by the Huffington Post, entitled Extend and Pretend: The Obama Administration's Failed Foreclosure Program, the Obama Plan is described as doing nothing more than putting off foreclosures, allowing the banks to appear financially healthy because they can carry the full value of the loan, and not record any loss.

This has been identified as a stabilizing act for banks and the housing market, but not for homeowners. They are left for months, even years wondering if they will lose their homes to foreclosure, when the sheriff will come knocking on their door, or if they will have to destroy the rest of their already distressed credit by filing a bankruptcy.

Rockingham Associates is a company that investigates loans and investigates lenders. Borrowers have federally protected rights. Rockingham Associates has a long history of helping borrowers gain an advantage through investigative techniques.

People with predatory loans normally end up with predatory servicers. The banks are doing what is best for the banks, which has always been the case. But this time in an effort to save their own bottom lines they have betrayed the American public, strung them along, taken money from them under false pretenses and finally taken their homes.

Homeowners who are seeing what the banks are really up to contact Rockingham in record numbers to get their lenders and their loans investigated. They use the results of these investigations to show the bank that there are laws which have been broken by the banks.

The Obama Plan was all about giving the lenders "incentives" to work with homeowners. Incentives don't seem to work with the lenders. They'll toss people who don't even qualify for the HAMP program into the program, and then extract payment from them month after month after month, even though the program only required three payments during the trial phase. Then they tell them they don't qualify, and complete or start foreclosure. The government paid them to do this. Sadly the Government continues to allow this predatory servicing to continue unchecked as the foreclosure statistics rise month after month.

What does work? Predatory Servicers seem to respond best to the force of the laws that protect homeowners or borrowers. Sadly, they spend their time threatening and abusing homeowners preying upon the homeowners fear of loss, while then doing a 180, and becoming the homeowners "best friend". It seems when you start showing the lender "the goods", he then realizes that you did qualify for a loan mod after all.

If you are tired of being a victim of your predatory lender, and tired of being lied to, and you truly think that you should be able to save your home, then you should consider contacting the people at Rockingham Associates. They are the experts who save homes.

Consider contacting one of their representatives to begin to unravel your financial dilemmas. Visit their website at www.rockinghamassoc.com .









Tags: Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, Credit Scores, Foreclosure, predatory foreclosure, bankruptcy, Rockingham Associates, Rockingham, borrowers, HAMP, HAMP Program, Obama Plan, Bankruptcies
Website:http://
Name:Jenny Davis
Address:
Phone Number / Email:



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Thursday, December 23, 2010

: ONLINE ADVERTISERS NEEDED URGENTLY!

Ads Title*:ONLINE ADVERTISERS NEEDED URGENTLY!
Ads Description*:ONLINE ADVERTISERS NEEDED URGENTLY!

Just try One Time & you get result of it.

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Tuesday, December 21, 2010

: LATEST FORECLOSURE RESCUE SCAM—LOAN AUDITS

Ads Title*:LATEST FORECLOSURE RESCUE SCAM—LOAN AUDITS
Ads Description*:Mortgage Fraud Examiners, the investigative firm who warned the public about loan modification scams, the "criminal loan modification trap" and the Mortgage Elimination scam is now warning the public of this latest scam.

When the mortgage crisis hit American homeowners full-force, companies offering "foreclosure rescue" and "loan modification" companies sprouted like weeds. Most promised troubled homeowners quick fixes for high fees, and failed to deliver after collecting their money, leaving families poorer and closer to homelessness.

The new flood of loan audit companies is fueled by the spread of loan modification companies in an attempt to side step the upfront fees that the states have prohibited these companies from charging. They're the proverbial "wolf in sheep's clothing."

Mortgage Fraud Examiners is a project of Lex Consulting, LLC http://www.instantlawpartner.com. For over 30 years, Lex Consulting has provided litigation support to attorneys, helping them break into new areas of practice, or providing specialized advice for complex cases requiring novel approaches to the law. Due to the recent housing crisis, Mortgage Fraud Examiners, a team of specially trained attorneys, was created to provide borrowers and the legal community with comprehensive assistance to help them keep them in their homes.

Mortgage Fraud Examiners CEO Storm Bradford explains: "Although forensic examinations of mortgage transactions can be of substantial value to a homeowner, regrettably, most companies providing these so-called 'loan audits' are nowhere near qualified to do so. They are performed and sold by persons with no legal training, such as, former real estate agents, mortgage brokers, or loan processors, who input data into some software program. The "audit" is a useless checklist of the documents provided to the "auditor," with no information about the legal implications of the documents. It's that old adage on computer software: 'Garbage-in, garbage-out.' We do our forensic examinations mostly for attorneys and their clients. Knowledgeable attorneys are going to spot a scam 'audit' a lot quicker than a layperson. We have to provide services that withstand the scrutiny and demands of a trained legal eye. You need a specific and unique legal knowledge to do a f! orensic examination of a mortgage transaction; a ten-minute software audit is no substitute for three years of law school. We're legal professionals looking for things that software can't find, besides, we know what to look for!"

"A true forensic examination inspects the homeowners' appraisal, mortgage and supporting documents, in the context of the dealings surrounding the creation of those documents, so legal experts can discover legal defenses a homeowner can use to avoid foreclosure.

Jonathon Moseley, an attorney specializing in foreclosures, employs the services of Mortgage Fraud Examiners explains, "Mortgage Fraud Examiners helps me identify contract defenses, torts, regulatory violations and other types of legal anomalies. The value of a thorough examination of the mortgage transaction is that the examination is done right -- with legal accuracy and depth. Unfortunately, cheap imitators must be avoided. A simplistic, software-based forensic audit by individuals with no legal training defeats the whole purpose: Careful analysis of the whole transaction, to include an analysis of the appraisal is needed to prepare a legal defense. The first step in any contract dispute is to see if the contract is legally valid. Too many lawyers never check whether the mortgage is even legally enforceable before rushing in to tackle a foreclosure. Spending money on one of these so-called forensic audits is entirely wasted because it takes a thinking legal pr! ofessional to find defects in a mortgage transaction."

How does a consumer spot a legitimate loan auditor from an untrained one? "Ask the right questions," Bradford advises. "Ask how they do they conduct the audit- is it software, or are there specifically trained attorneys spending real time examining the documents looking for contract defenses? If they're not performing a forensic appraisal that should be a clue. We find appraisal fraud in four out of every five-mortgage transactions we examine. Be wary if they tell you something vague like, 'Attorney backed,' or they're 'certified loan auditors.' Either legal professionals are performing the examinations, or not, and there is no schooling or certification process to becoming Joe the Auditor. Someone could have been a ditch digger last week and doing 'audits' this week. Be careful with a 100% guarantee. Guarantees usually always have loopholes. Homeowners need to be careful. You even have attorneys doing loan modifications instead of doing what they are paid t! o do--that's looking for contract defenses."

"There really are many legal options available to homeowners facing foreclosure," Bradford concludes. "But there are no shortcuts to finding them. Every claim has unique facts, every claim has different applicable law, and only a legal professional is going to find the answers to help each individual borrower stay in their home."

Contact: Mortgage Fraud Examiners
Phone: 800-540-EXAM (3926)
http://www.MortgageFraudExaminers.com
Website:http://www.mortgagefraudexaminers.com
Name:Storm Bradford
Address:1818 Library St, Ste 500, Reston, Virginia
Phone Number / Email:703-622-5181



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: BEWARE OF THE DANGER IN LOAN MODIFICATIONS

Ads Title*:BEWARE OF THE DANGER IN LOAN MODIFICATIONS
Ads Description*:Mortgage Fraud Examiners, the investigative firm who warned the public about the "useless" software audits, and "The Administrative Process" is now warning the public of the "criminal loan modification trap."

According to the latest data from the Federal Reserve "approximately 3 percent of the seriously delinquent borrowers received a concessionary modification in the year following their first serious delinquency, while fewer than 8 percent received any type of modification," at all! Nonetheless, everyone is hawking loan mods these days. It's a scary thought that people with no legal experience are pushing people into loan modifications without any discussion of a forensic loan analysis or forensic appraisals. The scariest part, when you modify a loan, you essentially WAIVE any claims you have to go after the lender! Why is this important, because the majority of loans closed in this century have problems that the borrower could use against his lender! In fact, and in most cases, lenders are holding nothing but worthless or at best questionable mortgage instruments. If you sign up for a loan modification, you are in essence validating an alleged debt that you most li! kely don't have anymore because it was destroyed in the securitization process.

Furthermore, a loan modification company cannot guarantee the distressed borrower that their submitted documents for the modification will not be used against them by law enforcement in the future. Prosecutors are going after borrowers for participating in fraud by overstating their true income. What this does is make any submission to the lender vulnerable unless you have the attorney-client privilege over your submission. (The same is true if a borrower submits financial statements to obtain a Deed In Lieu of Foreclosure or Short Sale.) Therefore, a loan modification should be a last resort- a legal maneuver not something done by Joe the Modifier.

The threat of foreclosure is a legal problem, and you start by treating it like any other legal problem. The first basic step it to determine whether the mortgage is legally valid. Wouldn't you like to know if you could pursue your lender for a better deal before you get their boilerplate modification agreement?

Mortgage Fraud Examiners is a project of Lex Consulting. For over 30 years, Lex Consulting has provided litigation support to attorneys, helping them break into new areas of practice, or providing specialized advice for complex cases requiring novel approaches to the law. Mortgage Fraud Examiners is a team of specially trained attorneys that provides Forensic Document Examinations and Forensic Appraisals, helping borrowers and their lawyers with comprehensive assistance and the evidence needed to bring about positive outcomes in favor of the homeowner.

For more guidance and information contact: Mortgage Fraud Examiners by phone: 800-540-EXAM (3926) http://www.MortgageFraudExaminers.com.
Website:http://www.mortgagefraudexaminers.com
Name:Storm Bradford
Address:1818 Library St, Ste 500, Reston, Virginia
Phone Number / Email:703-622-5181



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: THE LATEST FORECLOSURE RESCUE SCAM—MORTGAGE ELIM

Ads Title*:THE LATEST FORECLOSURE RESCUE SCAM—MORTGAGE ELIMINATION
Ads Description*:Mortgage Fraud Examiners, the investigative firm who warned the public about the "criminal loan modification trap" and "useless" software audits, is now warning the public of this latest scam—"The Administrative Process"

Actually, this scam is not new; the last time it was prevalent was back in the late 1980s and early 1990s when many Midwestern farmers were losing their family farms. Hucksters flooded the Corn Belt promoting their openly brainless schemes managing to convince farmers that they weren't required under the law to repay their bank loans. These same theories have resurfaced today in what is known as "Mortgage Elimination" or "The Administrative Process."

Mortgage Fraud Examiners CEO Storm Bradford explains: "The previous scams we've exposed dealt mainly with companies that market "useless" software audits, and companies charging fees for loan modifications when the homeowner can go through HUD or non-profit organizations and get it done for free. However, this belated scam literally instructs homeowners on how to commit federal and/or state crimes."

"Swindlers of the "Re-conveyance By Administrative Process" scam, as it's known, advise homeowners that financial institutions are forced to cancel mortgages and deeds of trust, without payment on secured promissory notes because they never lent money to the borrower for the purchase of their home. According to them, this makes most mortgages unenforceable against their so-called "proprietary administrative procedure."

"You might ask why anyone would believe such idiocy when obviously the bank writes a check for the purchase of a home, or writes the homeowner a check for a cash-out refinance? Well, it's because these swindlers allude to various discredited legal theories, quote from out-of-context Federal Reserve press releases, and intermingle bogus legal terminology to scam thousands of dollars out of unsuspecting homeowners who are not aware of the fact, this "vapor money" theory has been squarely addressed and rejected by various courts throughout the country for over twenty-five years.

"Homeowners in foreclosure are simply desperate for a solution, and that's what the scammers count on. The sad part is the desperate homeowner and his family end up in even more desperate straits. They end up paying thousands of dollars for legal babble that gets them nothing, except a possible criminal conviction in the end."

There are several variations of the scam, but basically this is how it works:

1. Owner/borrower executes a substitution of trustee for the deed of trust against his or her property (which, of course, the owner/borrower has no authority to do because of its non revocable character). Substitution of trustee is recorded.
2. Substituted trustee executes and records a release (or reconveyance) of the deed of trust, or
3. Substituted trustee records a notice of sale pursuant to deed of trust, followed by a trustee's deed in favor of a third party (or trust). It appears the trustee's deed does not follow a legitimate foreclosure sale, and the third party is a 'strawman' or otherwise holds the title in trust for the former owner/borrower.
4. Later, property is refinanced (or possibly sold) with new title insurance being issued to include coverage against the supposedly released or foreclosed deed of trust.

In essence, the homeowner files a forged reconveyance on a property, making it appear that the property is owned free and clear. The homeowner encumbers the property with a new loan and runs off with the new loan proceeds. http://www.fincen.gov/law_enforcement/ss/html/mortgage1.html

"There really are many legal options available to homeowners facing foreclosure," Bradford concludes. "However, the only process that works is to find a REAL legal dispute that a judge is willing to accept as a valid reason to declare the debt void, such as tortuous misconduct, gross violation of lending laws, violations of state and federal consumer protection acts, or appraisal fraud. Every mortgage transaction has unique facts, every claim has different applicable law, and only a legal professional is going to find the answers."

Mortgage Fraud Examiners
Phone: 800.540.EXAM (3926)
http://www.mortgagefraudexaminers.com
Website:http://www.mortgagefraudexaminers.com
Name:Storm Bradford
Address:1818 Library St, Ste 500, Reston, Virginia
Phone Number / Email:703-622-5181



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: Predatory Loans, Predatory Servicers, Predatory Fo

Ads Title*:Predatory Loans, Predatory Servicers, Predatory Foreclosures
Ads Description*:By Harlan Gray

For some time now the nation has been abuzz with the knowledge that more than 6 million loans issued over the past decade are predatory. Almost every homeowner who has attempted to work directly with his servicer to get their loan cleaned up (modified) has found that they've been lied to, stalled, cheated, mislead, and then foreclosed upon. Thus the Lenders have been labeled as predatory servicers. Now it has come to light that the foreclosure of these loans is also nothing but a pack of lies. Those are the predatory foreclosures. Tila Solutions has been using Forensic Loan Reviews or Forensic Loan audits for quite some time now to show the federal violations in loans and save homes. The use of forensics has been a powerful resource to stop foreclosure.

There's a sheriff in the Midwest who will no longer evict people from their homes after the bank has foreclosed. He just flat refuses to uproot good people who were preyed upon and lost their homes to fraudulent foreclosures. He seems to think that the banks need to operate with some level of truth before he should remove a person. That Sheriff is probably a real hero. He's not mincing ideas or soft peddling actions. Prove to him that the lender followed the law and if they did then he'll do his job. If they didn't he won't. That proof can also be used to prevent foreclosure. When Tila Solutions uses Securitization Audits or Forensic Loan Audits – they provide the proof of the illegal acts committed by lenders.

Now let's stop calling things by "nice" names. Let's all be a bit bolder and bit more willing to fight for what not only is right, but what is ours.

Predatory Loan – what is it really? It is a loan that violates federal laws and guidelines. That's right, it is a law breaker. TILA, RESPA, HOEPA, ECOA, Bank Fraud (which has a statute of limitations of ten years by the way), and OCC & FDIC violations – these are laws and regulations that banks are supposed to follow. Some Banker or Broker wrote that illegal loan, and got you to sign it. That in itself is often a fraudulent act. How do you know if your loan is a lawbreaker? You get Tila Solutions to investigate it. They'll give you the proof.

Now let me ask you this, what happens if you knowingly or unknowingly break a law? Let's say driving while under the influence: Are you called a Predatory Drinker, slapped on the hand, given money to fix your problem, told to fix it, then told to try harder? No, in fact you are charged, given a record, suffer severe penalties, pay out large sums of money, and identified clearly in every system as a criminal ("he has a record").

So predatory loans are illegal loans. They were issued by people who broke the laws. They are being serviced by people who break, bend, manipulate and ignore the laws – starting with insisting on taking your money from you based upon an illegal contract that they insist is legal. ("No, I'm not dddrrrunk," slurred the drunk as he headed toward his car.) Predatory Servicers are, in fact, no better than some mafia group or street gang. No respect for the law, the rights of homeowners, or those who run the country. They're nothing more than thieves.

Predatory Foreclosures are just plain and simple Illegal Foreclosures.

This becomes quite simple: The loan was illegal. The servicing of the loan was illegal. The actual procedures followed to seize the property were illegal!

Why? Well first it all goes back to the illegal contract. But then the lenders ignored the laws (once again) and sold them without proper paper trails, recordings, etc. They often sold them into trusts that now don't even exist. They sold them in bits and pieces, and they set up a company to do all their bidding: MERS. MERS itself is a corporation that has clouded clear title in our country on more than 6 million loans. They made the whole "behind the scenes" so confusing and untraceable that for the longest time people (and well educated ones at that) were confused over the intricate details.

So why are you worried that the lender is going to take your home? Because you still don't realize that he can't. That's where Tila Solutions comes in. By now every homeowner in America has probably begun to realize that lenders break laws whenever it serves their own needs. It will take years to unravel every mess they've made, and congress, Attorneys General and the courts will work to solve these issues for much longer than you have to save your home. One-by-one Tila solutions stops foreclosures and saves homes. Securitization Audits and Forensic Audits are the tools used to stop foreclosures and save homes.

Banks are not above the law, but will try to operate as if they are. You don't have to take that anymore! A Tila Solutions Consultant is available for people by telephone at (702) 508-0335. Or you can visit the Tila Solutions website at www.tilasolutions.com. They will help you and your family. They are on your side.

Tags: foreclose, foreclosure, predatory foreclosure, illegal foreclosure, stop foreclosure, Tila Solutions, Tila, RESPA, HOEPA, ECOA, OCC, predatory loan, forensic audit, forensic loan review, forensic loan audit, fraud, forensic loan audit, predatory loan, notice of default, save homes, Banks, Servicers, Securitization, Securitization Audit, MERS, Bankers, Brokers
Website:http://www.tilasolutions.com
Name:Harlan Gray
Address:USA
Phone Number / Email:(702) 508-0335



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Sunday, December 19, 2010

: Jual hidrogel/hydrogel di Ambon, Ternate, Maluku t

Ads Title*:Jual hidrogel/hydrogel di Ambon, Ternate, Maluku tenggara, Maluku dan seluruh Maluku
Ads Description*:Anda ingin beli hidrogel/hydrogel? Kami menyediakan untuk anda. Kami menjual hidrogel ke seluruh Indonesia dan seluruh Maluku, termasuk maluku utara dengan harga paling terjangkau.
Hidrogel kami juga yang paling baik kualitasnya, tidak luntur, warna berkilauan dan warnanya tahan lama.
Pastikan anda membeli hidrogel dari kami, karena kami memberikan garansi uang kembali jika anda kecewa dengan kualitas barang kami.
Info lebih lanjut, klik :
http://hidrogel.bisnisant.web.id
http://hidrogell.wordpress.com
ym: awalindah
email: nurawal@telkom.net


hidrogel, Jual, hidrogel, Ambon, Ternate, Maluku tenggara, Maluku, seluruh Maluku
Website:http://hidrogel.bisnisant.web.id
Name:nur awal
Address:Mojokerto
Phone Number / Email:081330233879



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: Jual hidrogel/hydrogel di Malang, Blitar, Pasuruan

Ads Title*:Jual hidrogel/hydrogel di Malang, Blitar, Pasuruan, Bondowoso, Situbondo dan seluruh Jawa Timur
Ads Description*:Anda ingin beli hidrogel/hydrogel? Kami menyediakan untuk anda. Kami menjual hidrogel ke seluruh Indonesia dengan harga paling terjangkau.
Hidrogel kami juga yang paling baik kualitasnya, tidak luntur, warna berkilauan dan warnanya tahan lama.
Pastikan anda membeli hidrogel dari kami, karena kami memberikan garansi uang kembali jika anda kecewa dengan kualitas barang kami.
Info lebih lanjut, klik :
http://hidrogel.bisnisant.web.id
http://hidrogell.wordpress.com
ym: awalindah
email: nurawal@telkom.net

Jual hidrogel, Malang, Blitar, Pasuruan, Bondowoso, Situbondo , hidrogel, lebaran, ramadhan, Jawa Timur
Website:http://hidrogel.bisnisant.web.id
Name:nur awal
Address:Mojokerto
Phone Number / Email:081330233879



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Saturday, December 18, 2010

: Isn’t it Time You Knew What Is Really Happening

Ads Title*:Isn't it Time You Knew What Is Really Happening with Loan Modifications?
Ads Description*:Currently, every Bank's Foreclosure Department operates at maximum efficiency, smoothly running through the processes required to foreclose on you in "a timely fashion".

Meanwhile, the Loan Modification department, whose job is to "help" you stay in your home, operates like the three stooges (losing faxes, asking for the same thing over and over, transferring you to multiple untrained personnel – often in India). They just seem to be "unable" to do a job that normally does not take more than a couple weeks completed in less than a year. Actions speak louder than words. The actions are to foreclose.

You have heard people say, "Don't pay a professional to get your loan modified." They tell you that you can work with those helpful lenders who got us all into this mess. They reassure you that you'll get a great loan mod-- but wait—those are the people who are suing you to foreclose on your home! Since when do people who are suing you really become (honestly now) "helpers"?

Did you know they make far more money if they foreclose on you? They lose money if they give you a loan mod. And don't overlook this little item: many of them are even guaranteed to make money if they foreclose! Check out this video that made big waves a couple of months back, it revealed one such guarantee by the FDIC and One West Bank. http://vimeo.com/10074664

Seriously, the banks hate to see Tila Solutions involved. They know that if Tila is investigating, they can't kick you around. They know that when Tila Solutions Examiners audit home and commercial property loans they find laws broken and fraud committed. It really messes up the bank's game plan!

Tila gives the power to force the bank to do a loan mod or have the tides turned on them, with you being the one suing! That one suit of yours could become the basis for many others. Class action suits against the banks are rampant right now. Bank of America is currently being sued for taking government funds to do loan modifications and then NOT DOING THE MODIFICATIONS. And remember this: You are still providing your share of 75 billion dollars to keep the banks afloat so they can pretend to help you while they are actually foreclosing on your home.

Take a look at a couple of the emails that Tila Solutions receive everyday from people needing help. Below these emails are examples of what the outcome is when Tila Forensic Loan Audits are used with the banks.

Of course, you can try for a loan modification on your own and probably lose your home. Or you can contact a Tila Consultant and ask for a forensic audit on your loan. They'll also take over the negotiations for you and in almost all cases they will save your home and cut your payments by 40%-50%.



-----Original Message-----
From:
Sent: Thursday, May 27, 2010 8:39 PM
To: helpdesk@tila-now.com
Subject: Online Application Information



Name:

Phone number:

State:

Email address:

My situation is: In Feb 2009 we began loan modifacation. Home Eq was sold to Quantum and Quantum recommended we do a re finance. GMFS the refi company has had us waiting since last Feb 2010 on the closing. Recieved notice today that if we do not pay 3,000 by tomorrow our home will be forclosed on June 1, 2010. We do not have those funds and are considering short sale or some advice.

_____________________________________________________________________________



-----Original Message-----
From:
Sent: Thursday, May 27, 2010 4:28 PM
To: helpdesk@tila-now.com
Subject: Online Application Information



Name:

Phone number:

State:

Email address:

My situation is: I am an attorney and would like to talk to you about using your service.



_____________________________________________________________________________



From:
Sent: Wednesday, May 26, 2010 11:14 AM
To: helpdesk@tila-now.com
Subject: Online Application Information



Name:

Phone number:

State:

Email address:

My situation is: Chase was the 2nd mortgage they paid the 1st off now someone cam to my door and told me that they are her to relocate me HELP



Below are just a few examples of the types of results we get for clients every day at Tila

Loan Modifications & Restructurings:



Perm Loan Mod agreed to: Step Rate mod starts at 2% in 2010 and moves to 5.25% in 2018 until maturity in July of 2050. $127,542.71 of the principal balance is being deferred by B of A and interest will not be charged on this amount. Remaining Principal balance of $306,152.73 will be interest bearing. Regular monthly mortgage payment prior to modification was $3809.58/month. New monthly payment after mod is $1951.27.

FROM LISA: Thank you very much . Without TILA & Liana I believe loan mod agreement for me would never happen. Lisa

_____________________________________________________________________________

Dianna G:

Old Terms: 10.750% Adjustable rate interest, $608.00 monthly payment

New Terms: 4.600% Fixed rate interest, $339.36 monthly payment

Lowered interest rate by 6.15%! Changed from Adjustable Rate to Fixed Rate!

Homeowner now current on loan and foreclosure has been stopped!

_____________________________________________________________________________

DOUG N:

Old Principal Balance: $161,275.55

New Principal Balance: $156,849.13

Old Terms: 7.57% interest, monthly payment including escrow: $1,729.81

New Terms: 4.68% interest, monthly payment including escrow: $1,567.37

Legal fees and outstanding escrow advances amount waived: $13,191.59

Lowered Principal balance, lowered interest rate, $13,191.59 of fees waived!

_____________________________________________________________________________

SHORT SALES


JIM T.

Principal loan amount prior to short sale: $651,111.52

RESULTS:

Short Sale lender Accepted: $447,950 as debt paid in full

Overall debt forgiven: $203,161.52

Home owner walked away from home with NO outstanding financial liability to lenders.

_____________________________________________________________________________

MARIA D.

Principal loan amounts prior to short sale: 2 Lenders

Senior Short Sale lender: $499,966.69
Junior Short Sale lender: $163,449.09

Results:

Senior Short Sale lender accepted: $365,573.27
Junior Short Sale lender accepted: $ 3,250.00

Overall debt forgiven: $294,592.51

Home owner walked away from home with NO outstanding financial liability to lenders.


_____________________________________________________________________________



Sometimes when you are as effective as Tila Solutions, you get attacked. Usually by the competition or possibly even by those you investigate (the lenders or their paid attack dogs). Tila's results speak for themselves, just look at those permanent mods! Tila poses a real threat to who have been trying to take your home! That is why we are most likely the only firm with an A rating by the BBB. What is your bank's rating? Somewhere between a D and a F-? Or the competition –will almost always be scoring below a C. Some have fallen to an F. Tila restores your dignity and self-respect! Despite the attack dogs, Tila Solutions Saves Homes, lives and families.

You can reach a Tila Solutions Consultant by calling 702-508-0335 or visit their website at http://www.tilasolutions.com.



Tags: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, forensic audit
Website:http://www.tilasolutions.com
Name:Karen Karen
Address:
Phone Number / Email:patricia796@mail.com



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: Isn’t it Time You Knew What Is Really Happening

Ads Title*:Isn't it Time You Knew What Is Really Happening with Loan Modifications?
Ads Description*:<p class="MsoNormal"><span>Currently, every Bank's Foreclosure Department operates at maximum efficiency, smoothly running through the processes required to foreclose on you in "a timely fashion". <span> </span></span></p>
<p class="MsoNormal"><span><span> </span>Meanwhile, the Loan Modification department, whose job is to "help" you stay in your home, operates like the three stooges (losing faxes, asking for the same thing over and over, transferring you to multiple untrained personnel – often in India). They just seem to be "unable" to do a job that normally does not take more than a couple weeks completed in less than a year.<span> </span><strong>Actions speak louder than words.<span> </span>The actions are to foreclose.</strong></span></p>
<p class="MsoNormal">You have heard people say, "Don't pay a professional to get your loan modified."<span> </span>They tell you that you can work with those helpful lenders who got us all into this mess.<span> </span>They reassure you that you'll get a great loan mod-- but wait—those are the people who are suing you to foreclose on your home!<span> </span>Since when do people who are suing you really become (honestly now) "helpers"?</p>
<p class="MsoNormal">Did you know they make far more money if they foreclose on you?<span> </span>They lose money if they give you a loan mod.<span> </span>And don't overlook this little item: many of them are even guaranteed to make money if they foreclose!<span> </span>Check out this video that made big waves a couple of months back, it revealed one such guarantee by the FDIC and One West Bank. <a href="http://vimeo.com/10074664">http://vimeo.com/10074664</a></p>
<p class="MsoNormal">Seriously, the banks hate to see Tila Solutions involved. <span>They know that if Tila is investigating, <span> </span>they can't kick you around.<span> </span>They know that when Tila Solutions Examiners audit home and commercial property loans they find laws broken and fraud committed. <span> </span>It really messes up the bank's game plan!</span></p>
<p class="MsoNormal"><span>Tila gives the power to force the bank to do a loan mod or have the tides turned on them, with you being the one suing!<span> </span>That one suit of yours could become the basis for many others.<span> </span>Class action suits against the banks are rampant right now.<span> </span>Bank of America is currently being sued for taking government funds to do loan modifications and then NOT DOING THE MODIFICATIONS.<span> </span><span style="text-decoration: underline;">And remember this:<span> </span>You are still providing your share of 75 billion dollars to keep the banks afloat so they can pretend to help you while they are actually foreclosing on your home.</span></span></p>
<p class="MsoNormal">Take a look at a couple of the emails that Tila Solutions receive everyday from people needing help.<span> </span>Below these emails are examples of what the outcome is when Tila Forensic Loan Audits are used with the banks.</p>
<p class="MsoNormal">Of course, you can try for a loan modification on your own and probably lose your home. Or you can contact a Tila Consultant and ask for a forensic audit on your loan.<span> </span>They'll also take over the negotiations for you and in almost all cases they will save your home and cut your payments by 40%-50%.</p>
<p class="MsoPlainText"></p>

<p class="MsoPlainText">-----Original Message-----
From:
Sent: Thursday, May 27, 2010 8:39 PM
To: helpdesk@tila-now.com
Subject: Online Application Information
<p class="MsoPlainText"></p>
<p class="MsoPlainText">Name:</p>
<p class="MsoPlainText">Phone number:</p>
<p class="MsoPlainText">State:</p>
<p class="MsoPlainText">Email address:</p>
<p class="MsoPlainText">My situation is: In Feb 2009 we began loan modifacation. Home Eq was sold to Quantum and Quantum recommended we do a re finance. GMFS the refi company has had us waiting since last Feb 2010 on the closing. Recieved notice today that if we do not pay 3,000 by tomorrow our home will be forclosed on June 1, 2010. We do not have those funds and are considering short sale or some advice.</p>
<p class="MsoPlainText">_____________________________________________________________________________</p>
<p class="MsoPlainText"></p>

<p class="MsoPlainText">-----Original Message-----
From:
Sent: Thursday, May 27, 2010 4:28 PM
To: helpdesk@tila-now.com
Subject: Online Application Information
<p class="MsoPlainText"></p>
<p class="MsoPlainText">Name:</p>
<p class="MsoPlainText">Phone number:</p>
<p class="MsoPlainText">State:</p>
<p class="MsoPlainText">Email address:</p>
<p class="MsoPlainText">My situation is: I am an attorney and would like to talk to you about using your service.</p>
<p class="MsoPlainText"></p>
<p class="MsoPlainText">_____________________________________________________________________________</p>
<p class="MsoPlainText"></p>

<p class="MsoPlainText">From:
Sent: Wednesday, May 26, 2010 11:14 AM
To: helpdesk@tila-now.com
Subject: Online Application Information
<p class="MsoPlainText"></p>
<p class="MsoPlainText">Name:</p>
<p class="MsoPlainText">Phone number:</p>
<p class="MsoPlainText">State:</p>
<p class="MsoPlainText">Email address:</p>
<p class="MsoPlainText">My situation is: Chase was the 2nd mortgage they paid the 1st off now someone cam to my door and told me that they are her to relocate me HELP</p>
<p class="MsoNormal"><span> </span></p>
<p class="MsoNormal"><strong> </strong></p>
<p class="MsoNormal"><strong>Below are just a few examples of the types of results we get for clients every day at Tila</strong></p>
<p class="MsoNormal"><strong><span style="text-decoration: underline;"><span>Loan Modifications &amp; Restructurings:</span></span></strong></p>
<p class="MsoNormal"></p>
<p class="MsoNormal">Perm Loan Mod agreed to:<span> </span>Step Rate mod starts at 2% in 2010 and moves to 5.25% in 2018 until maturity in July of 2050.<span> </span>$127,542.71 of the principal balance is being deferred by B of A and interest will not be charged on this amount. Remaining Principal balance of $306,152.73 will be interest bearing.<span> </span>Regular monthly mortgage payment prior to modification was $3809.58/month.<span> </span>New monthly payment after mod is $1951.27.</p>
<p class="MsoNormal">FROM LISA: Thank you very much . Without TILA &amp; Liana I believe loan mod agreement for me would never happen.<span> </span>Lisa</p>
<p class="MsoPlainText">_____________________________________________________________________________</p>
<p class="MsoNormal"><strong><span style="text-decoration: underline;"><span>Dianna G</span></span></strong><span style="text-decoration: underline;"><span>: <span> </span></span></span></p>
<p class="MsoNormal"><span><span> </span>Old Terms:  <span> </span>10.750% Adjustable rate interest, $608.00 monthly payment</span></p>
<p class="MsoNormal"><span><span> </span><span> </span>New Terms:<span> </span><span> </span>4.600% Fixed rate interest, $339.36 monthly payment</span></p>
<p class="MsoNormal"><em><span><span> </span><span> </span></span></em><strong><em><span>Lowered interest rate by 6.15%! Changed from Adjustable Rate to Fixed Rate!</span></em></strong><em><span></span></em></p>
<p class="MsoNormal"><strong><em><span><span> </span>Homeowner now current on loan and foreclosure has been stopped!</span></em></strong><em><span></span></em></p>
<p class="MsoNormal">_____________________________________________________________________________<strong><span style="text-decoration: underline;"><span></span></span></strong></p>
<p class="MsoNormal"><strong><span style="text-decoration: underline;"><span>DOUG <span> </span>N:<span> </span></span></span></strong></p>

<span><span> </span>Old Principal Balance:<span> </span>$161,275.55</span>

<strong><span><span> </span>New Principal Balance: $156,849.13</span></strong>

<span><span> </span>Old Terms:<span> </span>7.57% interest, monthly payment including escrow: $1,729.81</span>

<span><span> </span>New Terms:<span> </span>4.68% interest, monthly payment including escrow: $1,567.37</span>

<span><span> </span>Legal fees and outstanding escrow advances amount waived: <span> </span><span> </span>$13,191.59</span>

<strong><em><span><span> </span></span></em></strong><strong><em><span>Lowered Principal balance, lowered interest rate, $13,191.59 of fees waived!</span></em></strong>
<p class="MsoNormal"><span><span> </span><span> </span></span>_____________________________________________________________________________<em><span></span></em></p>
<p class="MsoNormal"><strong><span>SHORT SALES</span></strong></p>
<p class="MsoNormal" align="center"><strong><span style="text-decoration: underline;"><span><span> </span></span></span></strong></p>
<p class="MsoNormal"><strong><span style="text-decoration: underline;"><span>JIM<em> </em>T</span></span></strong><span style="text-decoration: underline;"><span>.<span> </span></span></span></p>
<p class="MsoNormal"><span><span> </span>Principal loan amount prior to short sale:<span> </span>$651,111.52</span></p>
<p class="MsoNormal"><strong><span><span> </span>RESULTS:</span></strong></p>
<p class="MsoNormal"><span><span> </span><strong>Short Sale lender Accepted: $447,950 as debt paid in full</strong></span></p>
<p class="MsoNormal"><strong><em><span><span> </span><span> </span>Overall debt forgiven:<span> </span>$203,161.52</span></em></strong></p>
<p class="MsoNormal"><strong><em><span><span> </span></span></em></strong><strong><em><span>Home owner walked away from home with <span style="text-decoration: underline;">NO</span> outstanding financial liability to lenders.</span></em></strong></p>
<p class="MsoNormal">_____________________________________________________________________________<span></span></p>
<p class="MsoNormal"><strong><span style="text-decoration: underline;"><span>MARIA D.</span></span></strong><span style="text-decoration: underline;"><span><span> </span></span></span></p>
<p class="MsoNormal"><span><span> </span>Principal loan amounts prior to short sale:<span> </span>2 Lenders</span></p>

<p class="MsoNormal"><span>Senior Short Sale lender: $499,966.69
Junior Short Sale lender: $163,449.09</span>
<p class="MsoNormal"><strong><span><span> </span><span>Results:</span></span></strong></p>

<p class="MsoNormal"><strong><span>Senior Short Sale lender accepted: $365,573.27
Junior Short Sale lender accepted: $<span> </span>3,250.00</span></strong>
<p class="MsoNormal"><strong><em><span><span> </span></span></em></strong><strong><em><span><span> </span>Overall debt forgiven:<span> </span>$294,592.51</span></em></strong></p>
<p class="MsoNormal"><strong><em><span><span> </span>Home owner walked away from home with <span style="text-decoration: underline;">NO</span> outstanding financial liability to lenders.</span></em></strong></p>
<p class="MsoNormal"><span> </span></p>
<p class="MsoPlainText">_____________________________________________________________________________</p>
<p class="MsoNormal"></p>
<p class="MsoNormal">Sometimes when you are as effective as Tila Solutions, you get attacked.<span> </span>Usually by the competition or possibly even by those you investigate (the lenders or their paid attack dogs).<span> </span>Tila's results speak for themselves, just look at those permanent mods!<span> </span>Tila poses a real threat to who have been trying <span> </span>to take your home!<span> </span>That is why we are most likely the only firm with an A rating by the BBB.<span> </span>What is your bank's rating?<span> </span>Somewhere between a D and a F-?<span> </span>Or the competition –will almost always be scoring below a C.<span> </span>Some have fallen to an F.<span> </span>Tila restores your dignity and self-respect! Despite the attack dogs, Tila Solutions Saves Homes, lives and families.<span> </span></p&g! t;
<p class="MsoNormal">You can reach a Tila Solutions Consultant by calling 702-508-0335 or visit their website at <span><strong><span><a href="http://www.tilasolutions.com/"><span>http://www.tilasolutions.com</span></a></span></strong></span><strong>.</strong></p>
<p class="MsoNormal"></p>
<p class="MsoNormal"><strong>Tags: <span>loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, forensic audit</span></strong></p>
Website:http://www.tilasolutions.com
Name:Karen Myers
Address:
Phone Number / Email:patricia796@mail.com



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Friday, December 17, 2010

: Are You a Victim of Bank Perpetrated Fraud?Are You

Ads Title*:Are You a Victim of Bank Perpetrated Fraud?Are You a Victim of Bank Perpetrated Fraud?
Ads Description*:By Ryan Forsythe

Often the people who come to Truth in Lending Auditors feel that they have been the victim of fraud perpetrated by the banks. The type of fraud that now has them in foreclosure, and desperately trying to get a loan mod. They often feel that the bank or broker ran a scam on them. They feel betrayed and untrusting. Often this distrust will prevent them from taking any action at all. Sadly, They'll lose their home to foreclosure all because of a predatory loan.

For the many who dared to trust again, Tila staff helped them using Forensic Loan Audits to show clearly what the bank did wrong. Often finding that what the homeowner felt all along was true: the borrower was defrauded by the bank, broker or loan officer.

There are several federal laws that protect borrowers and loan forensics reveal where the bank did not follow those laws. Despite the false claims that banks and competitors like to make about Tila2, they continue to represent the homeowner. They confront the banks with the forensic loan audits showing the bank's true crimes when they made loans to unsuspecting homeowners. It becomes clear to the bank that the homeowner now knows the bank violated these laws.

Often, people will have loans that are insured by the federal government. If there is fraud in the loan, there is a good chance foreclosure is no longer an option for the lender. Understanding what fraud is may help you to understand if you are another victim of the scam that the banks have perpetrated upon millions over the past decade.

Understanding that Tila will take your audit to the bank and help you by getting new terms negotiated – usually in the form of a loan mod has made Tila a friend to thousands of homeowners, but maligned by competitors and banks. This is to be expected. Yet, Truth in Lending Auditors continues forward, saving homes, restoring dignity, and most of all helping those who have so often been the victims of fraud.

The following make not make much sense to you but it gives you insight into this complex area. This is why you need Tila. Tila audits state the exact laws broken on your mortgage which then gives you ammunition to save your home.

In Common Law, there are nine elements used to determine if fraud has been committed. In this article, we will provide those elements as it has pertained to so many who got mortgages over the past decade. The examples we use are not the only types of fraud, they are just some of the more common ones that many should be able to relate to.

The first element of fraud is classified as the representation of an existing fact. A common example of this is when you originally got your loan. Were you told that this was the only loan you could qualify for, or that you had to take this loan, even though it wasn't the loan you were originally promised because there was no time to get you a different one? Perhaps you were told you could get a better loan in a year or so? Many people were. The existing fact represented to you was that you were being put into the ONLY or the BEST loan available to you, which was a 30-year contract, but that you were going to be able to get out it in very short order.

The second element of fraud is stated as its materiality: This has many meanings in law, yet the one that applies is "material: being such as would affect or be taken into consideration by a reasonable person in acting or making a decision" meaning what you were told or given or shown was done in such a way that you, as a reasonable person, felt that you could act on it or make a decision.

The third element of fraud is described as it's falsity: What proof did they provide to you that there was ONLY one product available to you? Where was the clause in your loan that said, "This is a 30-year contract that you can get out of in a year?"

The fourth element of fraud is classified as the speaker's knowledge of its falsity. The bank, or loan officer, or broker knew the truth. They were educated in such matters as real estate markets, credit scores and of course their own practices and products being offered. Recent investigative reports show they knew there would be high numbers of defaulted loans.

The fifth element of fraud is identified as the speaker's intent that it shall be acted upon by the other party. They got you to sign, right?

The sixth element of fraud covers the other party's ignorance of its falsity. Not all borrowers know or fully comprehend the real estate markets, how they fluctuate, credit scores and lender practices and products.

The seventh element of fraud is stated as the other party's reliance on the truth of the representation. You trusted your broker, loan officer, or banker, right? He made it clear that he was helping you get the house? You believed what he told you?

The eighth element of fraud is described as the other party's right to rely on it. You were operating with a licensed individual authorized to represent the bank or employed by the bank. Did you not have every right to rely upon what he told you, and what he gave you to sign?

The ninth element of fraud is the consequent damages suffered by the other party. How much damage have you now sustained? Credit scores wiped out? Savings gone? 401K depleted? Home value dropped? Relationship destroyed? Job lost? Bank claiming you owe them thousands upon thousands in accumulated fees, penalties, and interest? All of the above plus you also lost your home?

If any Fraud exists (or violations of TILA, RESPA, HOEPA, and ECOA) then there is really no good reason for you to give up and walk away. You need a forensic audit to find out. Contact a Truth in Lending Auditors Consultant at 1 702 508 0335. It may be the smartest thing you ever did. There's no reason to lose your home to foreclosure. Visit the Tila website at http://www.tila2.com.

Tags : Truth in Lending Auditors, Tila, Tila2, fraud, Loan Mod, Loan Modification, Forensic Loan audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loan
Website:http://www.tila2.com
Name:Ryan Forsythe
Address:
Phone Number / Email:karen10993@jesusanswers.com



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: baju renang muslim

Ads Title*:baju renang muslim
Ads Description*:Jual baju renang muslim murah, kualitas terbaik bahan lycra.Melayani eceran dan Grosir.hargaEceran BRM dewasa Rp.145rbHARGA GROSIR BRM ANAK mulai 130ribu.Bisa di jual lagi.Call/sms:085731266561, YM:capt_yudha@yahoo.com .Info lengkap:www.busanamuslimkiasati.blogspot.com.
Website:http://www.busanamuslimkiasati.blogspot.com
Name:yanuar yudhatama
Address:surabaya
Phone Number / Email:085731266561



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Tuesday, December 14, 2010

: Tila2 Can Help Stop Foreclosure

Ads Title*:Tila2 Can Help Stop Foreclosure
Ads Description*:The professionals at Truth in Lending Auditors help homeowners stop foreclosure almost daily. The Tila2 staff work directly with your lender and you to show why it is in the best interest of the bank to give you a loan mod. Often people who come to Tila2 have tried for months on end to get the bank to modify their loan.

Why are the staff at Truth in Lending Auditors able to prevent foreclosure so often? Because they specialize in forensic audits. The first step that Truth in Lending Auditors takes when a homeowner needs to get a loan modification is to conduct a complete forensic loan document review of the loan that the lender gave them.

You may wonder why this is the first step: It is because over the past decade lenders have repeatedly violated TILA, RESPA, HOEPA, and ECOA laws. They've ignored guidelines set by the OCC, and they have put people into predatory loans that are now wiping them out. Tila2 personnel have found that the best way to get the lenders to the negotiations table and to bring an end to the burning and churning in the lender's system while desperately hoping for a Loan Mod that normally doesn't come is to show the lender what he is responsible for.

When you look at the abounding reports of unfair disqualifications, lost paperwork, completed trial modifications followed by trustee auction dates, and "understaffed" loss mitigation departments, it makes no sense to try to get the bank to lower your payments, drop your interest rate, or reduce your principal without first give the banks ample and compelling reasons. Those reasons are found in the forensics. Homeowners who are tired of being scammed come to Tila2.

Lenders, bankers, news media, government officials, and even competitors warn homeowners away from seeking professional services to help you save their financial life and home. . . Why? It is easier to foreclose when the bank doesn't have any middle man. And it is always easier to get business for your company if you put out false reports about the competition.

Don't be mislead. The facts speak for themselves. Tila2 uses forensics and the first and most critical step in getting you the successful negotiations you need. If you are at risk of losing your home to foreclosure, then don't delay. Get Truth in Lending Auditors on your side.

Much information has come to light that begins to suggest that the banks are profiting from foreclosure. The banks see no profitability in loan mods. The Federal Reserve Bank of Boston released their findings on this a year ago.
Are you still wondering if you should trust the bank's promise to give you that loan mod? Are you still trying to decide if it is time you got a forensic loan audit? No matter what, the facts speak for themselves. What are the facts of your loan? Most probably the facts are a large number of violations. How can those facts help save your home?

It is probably time you contacted tila2 and took matters into your own hands. Just remember this: The bank wants your money and your home. Take action and give yourself a fighting chance. Get a Forensic Loan Review and let the people at Tila2 negotiate new terms for you with the bank.
Truth in Lending Auditors can be contacted at 1 – 7 0 2 – 5 0 8 – 0 3 3 5. You can find out more about Tila and Forensic Loan Reviews at http://www.tila2.com/.










Tags: Truth in Lending Auditors, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans
Website:http://www.tila2.com/
Name:Caroline Taylor
Address:California City CA, USA
Phone Number / Email:1 7 0 2 5 0 8 0 3 3 5 /Caroline4589872@yahoo.com



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Wednesday, December 8, 2010

: Stock for FREE

Ads Title*:Stock for FREE
Ads Description*:New company, while the stock-for FREE
www.me2everyone.com/588474
Website:http://www.me2everyone.com/588474
Name:
Address:Indonesia
Phone Number / Email:duitextra27@yahoo.com



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Tuesday, December 7, 2010

: PART TIME JOBS AVAILABLE NOW! Daily Working 2-3 Ho

Ads Title*:PART TIME JOBS AVAILABLE NOW! Daily Working 2-3 Hour only, Minimum Monthly Earning 75 U.S.Dollars Click For Detail: www.typeinternational.us posted by muhammadimranafzal
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Phone Number / Email:lucky222111@gmail.com



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Saturday, December 4, 2010

: Who Can Legally Foreclose on You?

Ads Title*:Who Can Legally Foreclose on You?
Ads Description*:Bob Chapman said it best in his recent article, The Mortgage Securitization Scam,

"Only the owner of the loan can file. Thus, many of the titles are now subject to fraudulent conveyance. This means that foreclosure proceedings could be subject to legal challenge. Another question is could the foreclosures done since 2007 be nullified? How could a settlement be arrived at in a few months when there are millions of homeowners involved. The banks, which obviously deliberately broke the laws, will be responsible for fines and settlement with injured parties could cost them more than $10 billion. While this scenario moves forward the banks still are acting like goons and violating laws, to get people out of homes."

If you are not familiar with the mortgage securitization scam, it goes like this:

1. The bank gave you a loan. (Actually that loan was a predatory loan because it violated federal laws and it was designed by the banks to fail from the onset. It was meant to wipe you out financially, and force you into foreclosure. Forensic Loan Audits prove this.)

2. The bank (usually immediately) sold the loan. (This allowed them to have an immediate profit and let some other "poor schmuck" take the hit).

3. The bank also gave MERS the right to register the loan in their database. (This allowed for clouded title – unclear ownership – and ignoring of the proper recording of property ownership).

4. The loan was normally sold into a Trust which could then be split amongst numerous owners and traded upon the stock market. (Still others could be making money, hand over fist, while you were slowly becoming bankrupt. This is where the Securitization Audit is first needed).

5. The bank didn't bother to include the legal documents to the purchaser of the loan (note and deed).

6. MERS didn't either. (Again, the Securitization Audit shows the truth about the trust that "presumably owns your note, and whether or not anybody really owns the note.)

7. Steps 2 through 6 were often repeated over and over and over.

8. The note is now lost, the deed and note are no longer together, the last time the note was properly registered with the county was probably when you were given the loan.

9. The bank now wants to foreclose on you, but they don't have the note, so they just indicate that it is lost and the courts approve the foreclosure. (YOU DON'T EVEN HAVE THE FINANCIAL WHEREWITHAL TO SUE THEM – THEY ARE SAFE FROM DETECTION).

The Bank actually takes your home and evicts you. You move on. Your home lost, your finances and credit destroyed, with the possibility that the bank is now trying to sue you for the deficiency (that's the amount that they say you still owe them because they auctioned it for less than you owe), and there is still the future threat that the real owners each could come forward and also sue you for the amount of the loan.

What's Chapman's take on this?

"There is no question a massive fraud took place. It was identified by the title insurance companies who the lenders are trying to blame this criminality on. The result was the banks went around the title insurance companies and used foreclosure mills, when the title companies wouldn't play ball.

"The banks terrified that they had gotten caught tried to ram through Congress the Interstate Recognition of Notarizations Act to protect themselves and their criminal acts. The scum in the Senate and House used voice votes to pass the bill and because of the massive complaints the President pocket vetoed the measure. He also knew the bill would have been identified as unconstitutional.

"The bottom line is the banks had no legal right to foreclose and evict. That means the evicted can get their homes back. The new buyers are screwed because they have no legal standing because the banks sold them a house they did not own. The fraud committed by the foreclosure mills, at the behest of the banks, puts all foreclosures into question and even the status of those homeowners who are currently paying mortgages. That means if homeowners all stop paying their mortgages, they could end up owning their homes."

Sadly, it is not enough to say hey, "I'm going to stop paying you Mr. Banker," and think that "Mr. Banker" is just going to say fine and dandy. Since they are pros at scamming and pros and pointing out how they have done nothing wrong, unless you prove their violations, illegalities, and fraud, they will just take your home and send the sheriff to evict you. It's being done to thousands upon thousands as we speak. You have to actually stop them.

"But, how do I stop them?" you may ask. The fastest, most effective and most affordable way is to get both a Forensic Loan Audit and a Securitization Audit done on your loan. "What are these, and why both?" you may ask.

A Forensic Loan Audit investigates the loan the bank originally gave you. It reviews your loan against all the federal laws and regulations to see if the lender violated any of them. A Securitization Audit investigates the actual securitization of your loan and answers the burning questions, "Does my lender have the right to foreclose on me? Is he the owner of the note? Who owns the note? Have my deed and note taken separate paths? Has the Servicing and Pooling Agreement for the trust my note belongs to been violated? Does the Trust that my note was sold into still exist?

With the results of these two audits, you then have the proof that your lender scammed you. He scammed you when he gave you the loan, and he scammed you when he began foreclosure. With this proof, you can get a Rockingham Negotiator to work with your lender to actually modify your loan and give you a cleaned up loan and stop foreclosure.

You can't expect the government to step in and solve your problem before the lender will continue to act like a goon and foreclose on you, and the poor ignorant sheriff will come along and do the goon's bidding.

Protecting yourself by providing the proof of a predatory loan and a predatory foreclosure is the only known way at this time to rapidly and effectively stop foreclosure. It is up to you to use the laws of the land to protect you and your home. Rockingham Associates is there to help you do this.

Rockingham Associates provides a number of essential services to homeowners and borrowers across the nation. They can help you save your home from foreclosure, and they can help you even if you have already lost your home. Their program is designed to help homeowners stop foreclosure, prevent foreclosure or reverse foreclosure. They utilize the federal laws that guide lenders and protect borrowers for unfair or predatory lending practices. Contact a Rockingham Representative at (775) 636-8229. Visit their website at www.rockinghamassoc.com .

Keywords: foreclose, mortgage securitization, mortgage securitization scam, note, fraudulent, foreclosure proceedings, illegal foreclosure, stop foreclosure, MERS, Federal Laws, Bank, Clear Title, Forensic Loan Audit, Securitization Audit, evict, eviction, note, deed, who owns the note
Website:http://www.rockinghamassoc.com
Name:Glenn Dickson
Address:LA
Phone Number / Email:horabik7448walleck@gmail.com



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Thursday, December 2, 2010

: Budget Travel to East Java Indonesia

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