: MORTGAGE FRAUD EXAMINERS WARNS BEWARE OF THE DANGE

Ads Title*:	MORTGAGE FRAUD EXAMINERS WARNS 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:	1-800-540-3926

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: MORTGAGE FRAUD EXAMINERS WARNS BEWARE OF THE LATES

Ads Title*:	MORTGAGE FRAUD EXAMINERS WARNS BEWARE OF 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 tortious 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:	1-800-540-3926

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: MORTGAGE FRAUD EXAMINERS WARNS BEWARE OF THE LATES

Ads Title*:	MORTGAGE FRAUD EXAMINERS WARNS BEWARE OF THE LATEST FORECLOSURE RESCUE SCAM—FORENSIC 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 and tortious conduct? If they're not performing a forensic appraisal that should be a clue. We find appraisal fraud in eight out of every ten-mortgage transactions we examine. Be wary of the scammers claiming to be '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. What are they REALLY guaranteeing, what are the loopholes? Homeowners need to be careful. "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:	1-800-540-3926

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: Bankers & Investors Planned to Profit off Your Pre

Ads Title*:	Bankers & Investors Planned to Profit off Your Predatory Loan.
Ads Description*:	How does it make you feel to know that investors and bankers made huge profits off of you when you couldn't make your loan payment? How does it make you feel to know that while you are struggling with a subprime loan (often called a predatory loan) there are bankers and investors who gambled on how much money they could make when you could no longer keep up those mortgage payments? Meanwhile, while they profit, your marriage, family and finances are being destroyed. What does it do to your trust and faith in the banking industry that seemed so nice when you were paying? Do you feel like you are a victim of fraud? How does it feel to know that they purposely put you in that predatory loan because they were going to make a huge profit at your expense? These are some of the findings of the recent SEC investigations into Goldman Sachs. Does it anger you that Goldman Sachs is now trying to negotiate a lesser charge than fraud? You may wonder why. It seems, in part, because the little announcement that they were purposely profiting off your failure caused their stock to drop! Of course that means they are losing money. Tila Solutions receives countless calls and emails from people desperate to save their homes, crying wives, frantic husbands, and elderly people about to be kicked out to the curb with no solutions in sight. There have even been reports of people committing suicide because they could not stop foreclosure. They call Tila because they need help. Real Help – not false hope. Often, the bank has sent the letter that they are about to foreclose when the homeowner calls. Tila Solutions is an audit company. They conduct forensic loan audits and help people locate the federal laws that were violated by the banks when the loan was issued. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously. It is always the same story: It seems that the bank had no trouble qualifying them for the predatory loan that is now consuming them, but there just seems to be no way possible to qualify them for a loan modification and lower their monthly payment. Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of! It's a story we are all quite familiar with now: somehow, that poor family, sitting in foreclosure does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification to drop their monthly payment, but has no trouble whatsoever demanding that they keep making the higher monthly payment or lose their home to foreclosure. When a person contacts Tila Solutions for help, it becomes a new story however. When Tila Solutions comes on the scene, foreclosure is stopped, banker crimes are found and exposed, and lower monthly payments (and often principal balance reductions too!) are achieved. Why? Because for the past 30 years there have been laws that protect the borrowers. TILA, HOEPA, RESPA, ECOA. These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory acts of unscrupulous lenders and bankers who would use them for their own profit. Borrowers have so much power and strength when they know their rights and use these laws. Tila Solutions helps them do this. Banks are not above the law. A Tila Solutions Consultant is available for people by telephone at 1 - 7 0 2 - 5 0 8 -0 3 3 5. 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. Tags: forensic-loan-audit, loan mod, loan modification, foreclose, foreclosure, Goldman Sachs, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, forensic audit, subprime, mortgage, predatory loan, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure
Website:	http://www.tilasolutions.com/
Name:
Address:
Phone Number / Email:	francis.shelly1887@gmail.com

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: Restoring Your Credit Scores is an Essential Part

Ads Title*:	Restoring Your Credit Scores is an Essential Part of Financial Recovery
Ads Description*:	By Glenn Dickson If you are like so many people today, the down trending economy has left you under employed or unemployed. You may have struggled for many months attempting to save your home from foreclosure, and hopefully you did not lose it like so many have. But probably in your attempts to save your home, your credit scores have dramatically declined. As a result, you could be trying to figure out how to put all the shattered pieces back together. If you are losing your home, or have already lost it, your credit scores have taken a deep dive. An active or completed foreclosure and possibly even a bankruptcy may now all be present on your credit report. Recovering from all this damage is probably foremost in your mind. You may have tried to save your home by using your credit cards or other unsecured lines of debt. You may have tried to save your home by stopping payments to the lender when the lender told you that was the only way you would qualify for a loan mod. Perhaps you have been left in limbo for many months, just waiting for an answer while you sent in more paperwork, and still you do not know if the bank will just keep running up the amount you owe with late fees, penalties, and foreclosure fees, or if you are going to get a loan mod. However the plunge in your credit scores happened or is happening and wherever you are headed now, to successfully manage your future, your credit scores are going to need to be cleaned up. Getting things moving in the right direction as quickly as you can is essential to your future plans and goals. Without good credit scores, getting a new home – even if only a rental can become a nightmare. Many people who have been living through the past three or four years experience embarrassment, shame and hopelessness when asked to provide their current credit report. One of the key essential first steps to beginning to restore your credit is to get your requests for loan modification completed, if you have not already lost your home. A successfully completed loan modification automatically brings your loan current and your modified monthly payments begin reporting as current again to all three credit bureaus. If you have already lost your home, then you may need to research and find out if your foreclosure was legal, and/or if you were the victim of a predatory loan, or predatory foreclosure. If you were, chances of getting your house back now are still possible, providing you have a good attorney who can prove your case in court. More realistically, you can use that information as the first critical step to helping you get negative information removed from your credit score. There is much that you can do to start restoring your credit, but chances are that you are not sure where to begin or what actions to take to get things moving in the right direction. If you don't know where to begin, there is an excellent company that can help you understand what to do and how to go about it. The company is called Rockingham Associates. They provide 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 clean up your credit scores, even if you have already lost your home. Their program is designed to help borrowers who are trying to restore their credit, save their homes, or recover from the loss of their home. They utilize the federal laws that guide lenders and protect borrowers from unfair or predatory lending practices. Consider contacting one of their representatives to begin to unravel your financial dilemmas. Visit their website at http://www.rockinghamassoc.com . Tags : Credit Repair, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, Credit Scores, Foreclosure, predatory foreclosure, bankruptcy, Rockingham Associates, credit cards, credit bureaus, borrowers
Website:	http://www.rockinghamassoc.com
Name:	Glenn Dickson
Address:	Temecula California
Phone Number / Email:	barbara1059428@jesusanswers.com

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: PELANGI Body Care Shop

Ads Title*:	PELANGI Body Care Shop
Ads Description*:	Kami menjual produk-produk body care produksi Bali dan IPB Bogor, berasal dari bahan bahan alami seperti buah-buahan dan tumbuhan yang bermanfaat bagi perawatan kulit tubuh anda. produk kami: body butter, scrub, hand body lotion, liquid soap apple, madu, bar soap madu, rumput laut, dll harga mulai Rp 20.000-50.000
Website:	http://facebook.com/bodycare
Name:	pelangi bodycare
Address:	jakarta selatan
Phone Number / Email:	085781525700

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: Bank Employees Start Coming Forward with Stories o

Ads Title*:	Bank Employees Start Coming Forward with Stories of Lies & Deceitful Acts Against Homeowners
Ads Description*:	From the New York Times Article, Two States Sue Bank of America Over Mortgages in December of 2010 - "Former employees said that Bank of America's modification staff was "chaotic, understaffed and not oriented to customers," according to a news release. One former employee said, "The main purpose of the training is to teach us how to get customers off the phone in less than 10 minutes." "Another employee said, "When checking on a borrower's status, I often found that the modification request had not been dealt with or was so old that the request had become inactive. Yet, I was instructed to inform borrowers that they were 'active and in status.' One time I complained to a supervisor that I felt I always was lying to borrowers." From an email that Tila Solutions received from a former bank employee: I have just in the last 2 weeks resigned my position from one of the top 3 banks in the country. I had been working in the Prime Mortgage Department talking to hundreds and hundreds of delinquent homeowners, who have been anywhere from 1 to 18 plus payments delinquent and/or in various stages of loan mods, or declined for loan mods. I have been one of the top performers in that department, earning monthly bonuses, and then just recently, I was recruited to work on the foreclosure affidavit re-views and to re-work and an re-submitt them to continue the foreclosure process. I am sure you've been reading in the newspapers about that mess and a lot of it is true. In talking with hundreds of delinquent homeowners, it has just blown me away, at how unaware they are of what is going on and how they believe everything they are told by the employees of the banks. From an anonymous phone call by a BofA Employee to Tila Solutions: "BofA finds ridiculous ways to disqualify people for loan modifications, one trick is to tell them to send in a list of documents, and then disqualify them because they didn't send in one document – which was never asked for by the bank in the first place. Another trick they have is to disqualify anybody that has some extra money in savings. BofA currently has 80,000 files for loan mod from last December that they are just getting to. Oh and by the way, it only takes two days to do a loan mod." From a homeowner who called in to Tila, "I was referred to your company to get help on my loan mod." When asked who referred the homeowner, they said that they were not supposed to say who, but that it was from a person who worked inside BofA and knew of Tila Solutions, and told the homeowner that if she really wanted to save her home to call Tila Solutions. The reason Tila Solutions is able to effectively help save homes is because they know how the banks operate. They know the banks lie, cheat, mislead, and outright steal people's homes. For these reasons Tila begins all new cases by investigating the bank's loan and or foreclosure either with a Forensic Audit or a Securitization Audit. They make it clear to the bank that the homeowner is not in the wrong, the bank is. From this groundwork they then move through all the bank lies and deceit and get that homeowner a loan mod. Often other Audit or Loan Mod companies fail to get the job done simply because they too are a) believing what the banks say, and b) they don't have any negotiations power. Tila does not operate that way. Listening to and believing the banks is the best way to lose your home. Instead, get smart. Get Forensics and/or Securitization audits done by Tila Solutions and have them negotiate with the bank 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 www.tilasolutions.com. They will help you and your family. They are on your side. Tags: BofA, Bank of America, loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic audit, Securitization Audit, fraudulent loan modifications
Website:	http://www.tilasolutions.com
Name:	Helen Johnson
Address:
Phone Number / Email:	michael0976@mail.com

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