This is an important win for homeowners, many of which are facing wrongful and fraudulent foreclosure on their property. This court’s ruling highlights the complete and utter failure of financial institutions to behave responsibly and obey the rules that govern securitized mortgages.

This means that more borrowers are likely to start suing these predatory lenders for wrongful foreclosure and quiet title actions since now there are thousands of homes being foreclosed on and then sold at foreclosure auctions with defective titles. Since the banks have not followed proper securitization procedures, this means that legally, they never should have been able to foreclose on these properties in the first place.

Recently in Utah,  several people have been awarded the titles to their houses and condos, free and clear, due to the banks failure to follow the state’s quiet title laws. One homeowner was awarded a quiet title where over $417,000 was owed, since the lender was found to no longer be able to legally collect on the mortgage.

The actions of these predatory lenders have brought this on themselves with their blatant disregard for the law, not to mention their own customers. You want to be sure that you can prove you are paying the correct party, that you are protected from wrongful foreclosure.

Having a securitization audit performed on your mortgage can determine just exactly who has the title to your home and who has the mortgage. Close to 85% of mortgages over the last ten years have been securitized and many of them have been securitized incorrectly. If this is the case, a securitization audit can prove this and could be the evidence you need to stop foreclosure and keep you in your home. If you use quiet title along with a securitization audit, you may just have the evidence you need to not only stop foreclosure, but be awarded the title to your home free and clear.

If you are behind on your mortgage and facing foreclosure, looking into a quiet title action could be just what you need to stop foreclosure on your home. Even if you are current on your mortgage, it still makes sense to look into a securitization audit as well as a quiet title action in case your loan and home have gotten caught up in this ponzi scheme being run by predatory lenders such as what happened in Massachusetts. The last thing you would want to have to go through is paying money to them for the length of your mortgage, and then at the very end of it not being able to clear your title, just because the banks violated the law. A quiet title action can be just what you need.

The bottom line is that the nation’s courts are sending a clear message:  Banks cannot go behind the scenes and create their own little way of doing business, which happens to violate the laws of land ownership and then think that they can get courts to “see things their way”.  That just isn’t working for them anymore.

But, on the flip side, homeowners have to remember, if they don’t stand up and fight in the courts, with the evidence to prove what the bank has done to them, then the courts will have no choice but to let the bank get away with it.  Step one becomes the responsibility of the homeowner:  Get the proof of the bank’s play for your home and take it to court.

Answer: The most pervasive, malicious, vicious, insidious and mind-numbing combination of deceptive practices, perjury, misrepresentation and fraud ever committed against the American Homeowner by their own banks.

1. Fraud: Millions upon millions of loans were written by banks that all had one thing in common:  The bank knowingly put people in loans they could never hope to repay.  The banks didn’t care because they were going to sell the loan off after the closing file was signed.
2. Deceptive Practices and Misrepresentation: Homeowners have suffered nationwide at the hands of the banks for years attempting to get loan modifications that the banks never intended to give.  They preferred to instead collect the proof that the homeowner could never pay off the mortgage (repeated monthly requests for financials) while draining the homeowner of all his financial resources (turned down because there was still money in the 401K or there was still a savings account, etc.) and then turn the homeowner down because “he did not make enough money.”  Truth is they took all the money there was, and then proceeded to foreclosure knowing the homeowner could never pay the attorney fees for a court battle.
3. Deceptive Practices Leading to Wrongful Foreclosures:  Millions of people have been turned down for loan modification after the banks put them into trial modifications that have extended as much as 28 months in some cases. (Loan Mods can be done in as little as two weeks).  The trial mod payments were never credited to their loans. This caused their loan balances to grow exponentially to a point that the homeowner could never get a reduced monthly payment.  Then the banks said they did not make enough money to get a loan mod and opted to foreclose.
4. Perjury: The banks repeatedly requested documentation from homeowners, month after month, which the homeowners diligently and dutifully provided, then told the courts that the homeowners did not provide the requested documentation and the bank had to foreclose.
5. Fraud upon the Courts:  The banks never provided to the courts the evidence that they were the actual holder of the note and deed (or mortgage as it is called in some states).
6. Fraud: It is estimated that as many as 65 million loans have been improperly securitized. That means the lender who claims to be your lender most probably isn’t.  That’s fraud and misrepresentation.
7. Fraud: If your loan is in the Mortgage Electronic Registration System (MERS), then it has been securitized, which means you are being defrauded. (Note not all improperly securitized loans appear in the MERS database.)  You have been paying the wrong lender.
8. Fraud: MERS was created by the lenders and for the lenders.  It bypasses extant laws for the proper recording of loans and deeds.  It ignores the proper “chain of assignment” which means the lender who claims to be your lender probably isn’t.
9. No Legal Standing:  Courts have ruled against MERS.
   1. In May of 2009, a US Bankruptcy Court Judge ruled that MERS could not represent lenders seeking to foreclose on delinquent homeowners already in bankruptcy unless it could produce the actual loan note.
   2. Massachusetts, Nevada, New York, Kansas, California, Idaho, and Michigan Supreme Courts have all ruled in some form or another against MERS and their rights to foreclose.
   3. Two Appellate Courts, Michigan and New York have ruled as well that MERS has no right.
   4. 10.   Clouded Title:  Because the chain of title has been broken, you have been paying the wrong lender, and the lender who threatens or is foreclosing on you is not the one you owe. In the future another could come forward and attempt to collect this same debt from you claiming that they are the lender.

Homeowners no longer trust their lenders.  They’ll trust a judge to review the overwhelming evidence of all that has happened to them—specifically how they have been the unknowing puppet in a game that made billions upon billions for a few while millions suffered the loss of home, family, jobs, pride, dignity, respect and their own dreams.

As the proof of criminal wrongdoing continues to unfold, often rocking the nation with yet another round of incredulity, nobody is willing to put even a modicum of faith in the banks.  They also know that it will do them no good if their loan is securitized.  What is to stop another from foreclosing on them in the very near future?

Their hope lies in proving to a judge that the banks have wronged them, have stolen money from them, have stolen their home (or are trying to), and that in the future yet another creditor could come forward to do it to them all over again.

How are they doing it?

First they get the investigative work done.

• A Forensic Audit to show that the bank put them in a loan they would never be able to repay (as well as many other federal violations).
• A Securitization Audit to show that the bank who is taking their monthly payments or foreclosing on them is not even the rightful creditor and does not own the necessary and essential documents to collect a debt, let alone foreclose.

Then they get this critical information into the hands of an attorney or paralegal firm that specializes in this type of law.  (People who cannot afford attorneys are using paralegal services).

They are winning. This could be you.

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.   They will help you and your family.  They are on your side.

By Jenna Lee Andrews

HAMP PROGRAM A FAILURE

Once again, the Obama Modification program (commonly called HAMP)  is coming under fire from members of Congress. The program was supposed to help 3 million to 4 million homeowners avoid foreclosure, but it has fallen far short of that goal, and now Republican lawmakers have introduced legislation to shut it down.

Originally, the HAMP Program was designed to “help responsible homeowners stay in their homes,” (an actual quote from President Obama when he announced the program).  It was intended to be the loan modification program that would allow homeowners to keep their homes and reward the banks for their “efforts” in getting homeowners’ loans modified.  It was equivalent to an “Everybody Wins” solution – except the American Taxpayer that is. Although millions of loans were to be modified, sadly it has only worked for around 600,000 people across the country.

There are 3.3 million families who might have been reached by this program if only it had been better designed, better managed and better executed by the Treasury department,” said Neil Barofsky, the special inspector general installed to oversee the government’s bank bailout efforts.

In February, Barofsky announced he would be stepping down from his post in March. He says the Obama administration’s program to prevent foreclosures is broken, and that many of the people it’s supposed to be helping are now “in a far worse place than they would have been had this program not existed.”  HAMP has done nothing to stop foreclosure.  Many homeowners who applied HAMP were not even in foreclosure when they began the process.  Now they sit by waiting for a bank to modify their loan, only to receive notice (if they’re lucky) that their home will be sold at auction.

Barofsky’s decision to bail ship instead of taking firm steps to stop the banks in creating more victims of the HAMP program confirms public sentiment that the HAMP program was never anything more than a government scam to bilk the American taxpayer.  Most Americans now feel that there was never any intention by the government to actually bring lenders into line and hold them accountable for their pillaging and plundering of the American Homeowner.

This refusal by the government to insist and take strong actions to hold the banks accountable for their predatory lending practices and predatory loans, for their illegal foreclosures, their wrongful denials of HAMP applicants, and their constant ineptitude (lost faxes, missing paperwork, month and months of  “under review” for a loan mod process that only takes a couple of weeks to do) has led more and more people to question the constant and ongoing government campaign messages that homeowners will get the help they need from the bank – free of charge.

Statistics speak loudly, and the statistics show that homeowners working directly with the bank to obtain a loan mod are losing everything: their credit scores, their savings, their lines of credit, their peace of mind, their families and relationships, and finally their home – usually through wrongful foreclosure.

The good thing about the American homeowners is their ability to see the falsity and fraud of it all and then take action to protect themselves. And that is the trend we are now seeing.  American homeowners are finally taking action.  They are reaching to professionals who can and have saved thousands of homes on an ever-greater number.

One such company that reports a steady rise in calls for help is Tila Solutions.  This company conducts forensic loan reviews, and Securitization Audits to help provide a “real defense” for the Homeowner.

Tila Solutions urges all homeowners to remember that professional help is truly a must when the banks have proven statistically that they will not modify loans, and will instead foreclose.  But the professional help must include actions that hold the bank accountable for the predatory loans they issued and for the illegal foreclosures they are involved in.  Homeowners have very little success in saving their homes if they do not have Forensic Loan Audits and/or Securitization Audits done before they attempt to get loan modifications. Tila also recommends that homeowners get legal professionals to assist with the loan mod process.

Tila Solutions looks out for the homeowner.  A Tila Solutions Consultant is available for people by telephone at (702) 508-0335.  They are on the homeowners’ side.

By Tara Tyrrell

According to the research firm RealtyTrac, a record 2.9 million homes fell into foreclosure in 2010, with banks seizing more than 1 million homes. By the end of December, roughly one out of every 500 housing units in the U.S. had received a foreclosure filing. More than 3 million foreclosure notices are expected in 2011.  One still hard to find statistic: 80% of the homeowners who do what their bank says and avoid the use of professional companies to assist them are the ones that lost their homes to foreclosures.

These are not the statistics that show the government, with the HAMP Mod Program, or the banks with their in-house loan modifications are serious about giving people modifications, or have any desire to actually stop foreclosures.  Nor do they support “going it alone against the bank” if you truly want to stop foreclosure.

In fact, in recent months, more and more evidence is surfacing to support the claims that the government is doing nothing to stop foreclosure because they have the misguided belief that accelerating foreclosures will help the recovery of the economy.  (Alan Scherber, bnet.com blog news article of January 28, 2011, Foreclosure Express: Why the Feds Let Banks Get Away with Murder)

As more and more Americans wake up and smell the coffee, they are returning to simple truths that they’ve known all along:  Banks do not help people in need, Banks do not help people with hardships, Banks only lend money to those who don’t need it, Banks only lend money to those who are a good risk.  Those are the simple truths of Banks.  Their assessment of who gets a loan mod follows those hard fast rules of banking.

As for the Government:  The government shines on to the American Public, looking for a vote, but complies with the demands of whatever the group with the most money for his campaign lays out.  Those are the simple truths of politics.  Banks fund politicians well.

Where does this leave the American Homeowner in distress:  He will be lied to, mislead, given false promises, and then he will get a foreclosure notice in the mail – normally while still waiting for the loan modification that will never come.  He will be told there is no way to stop foreclosure.  He will be told in the next call, “not to worry, that foreclosure is just a formality, we are going to stop foreclosure just as soon as we give you this loan mod, and that is still under review.”  He will be given this line of garbage right up to the time that his home is sold at the sheriff’s auction.  It is happening right now  to thousands of homeowners.  Meanwhile politicians stand by, and claim they are really on the American Homeowners side.

It is for these reasons that homeowners have stopped listening to the banks, to the government, and to all the precautions against getting professionals to help them stop foreclosure and get a loan mod.  One of the leading companies today helping homeowners save their homes is Tila Solutions.  They first conduct forensic or securitization audits to find out all the wrongdoings of the banks.  And then, they help the homeowner team up with a legal professional that can help him with a true defense.

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 re-submit 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 can then help the homeowner locate proper legal professionals to assist them in moving 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 believe what the banks say, and 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 help you in getting proper legal help to negotiate with the bank for you.

By Helen Johnson

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.  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.

By Harlan Gray

In most states, foreclosure is initiated after three payments have been missed.  In most states, the beginning of foreclosure is a document known as the notice of default.  It will be mailed to the property address, and often nailed to the door of the property as well.  In some states foreclosure is judicial – meaning the process has to go through the courts, in other states foreclosure is non-judicial and can be done through a trustee, such as a title company or a foreclosure specialist company.  Then there are some states that allow for either method.

Traditionally, the foreclosure process has taken approximately 90 days to complete, and it is completed by the bank auctioning off the home, usually at the county courthouse or curing the default.  If nobody buys the home, the lender will buy the home back and then place it with a real estate agent to be sold.  Sometimes homeowners think that if nobody bought the property, then it didn’t get sold and it is still theirs.  This is not the case in at least 95% of the auctions.  Once the lender buys it, the home is his and the homeowner will have to vacate the property, normally within 30 days.

Today, homeowners have opportunities available to them to stop the bank’s attempts to foreclose on him or her before the home is auctioned off.  Tila Solutions is able to help homeowners who contact them before the home is auctioned off.

It is important to know that the homeowner does not have to leave his home at the beginning of the foreclosure process.  And the homeowner still has time to stop foreclosure and save his home. But, also understand that the lender will not accept any payments from him except for the full default amount.  The default amount is the total amount of missed payments, plus all fees.

Traditionally, paying the full default amount, which always includes fees and penalties and other “additional costs” – often marked up to create more profit for the lender, is known as curing the default.  If the homeowner cures the default any time before the auction date on the property then he is not going to lose his home.  It is estimated still that at least 50% of the homeowners manage to cure their defaults. This is one reason why lenders would prefer to use the foreclosure process to make money instead of give a homeowner a loan mod.  However, statistics are also showing that these homeowners who cured the default normally end up back in foreclosure in very short order.

Tila Solutions receives countless calls and emails from people every day desperately trying to save their homes.  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.

Lender Lies & Deceit

In any given month Tila Solutions receives countless calls from people that they can no longer help.  These are the people who were told by their lenders that they did not need to worry about the foreclosure, because they were “under review” for a loan mod, and the homeowners actually believed the bank.  Then somehow the auction date or denial letter didn’t arrive at the property address or in the mail, and the homeowner learned that either a) his home was going to be sold in the next couple of days or day, or b) his home was already sold at auction.

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. The results of these audits help people save their homes.

These days, the lenders have the goal of cleaning up their books, turning a profit, and making more money (actually the same goals the banks have always had – cut the losses and turn a profit). Banks determine where they will see the best return on the money they loaned, and sadly, you are not it.  Now that means auction off your home, and make money elsewhere, and that is what has been happening to the masses.

It is always the same story:  You, the homeowner, were lied to when you were given the loan: it wasn’t a good loan worked out in your best interest, it was a predatory loan that is now consuming you, but has made money hand-over-fist for the lender.  Now you are being told there just seems to be no way possible to qualify for a loan modification and lower their monthly payment, or worse yet, that you are under review and not to worry about the auction date.

Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of, you will continue to be lied to, and either cure the default, only to end up in foreclosure at a later date, or just lose your home.

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.  Of course they will also continue demanding the higher monthly payment or you lose your home to foreclosure.

Stopping the Bank Scam

Homeowners just don’t realize that the bank will tell them lies.  It will tell them that they are getting a loan mod and then it will auction off their home.  If any other company operated this way they would be shut down rapidly and prosecuted!  But the banks have billions of dollars and they are getting away with it.  If homeowners do not have somebody on their side, and keep listening to the bank lies, they will be another statistic of the bank scams.

Tila Solutions uses the power you have always had to protect you:  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, 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.  They will help you and your family.  They are on your side.

Banks are not above the law, but they will try to operate as if they are.  Here’s the latest:  Bank of America has claimed that a couple from Indiana really doesn’t have a case against them for robo-signed foreclosure documents.  Why?  Because the family, according to BofA, didn’t try to do anything to stop the foreclosure, thus they can’t prove the bank “harmed” them.  Now, here’s the real question:  Is it true?  Are people really just not making their payments and ignoring all those letters and phone calls and then letting the bank take their home?  In the main, no– they are all over it, trying desperately to resolve the situation and save their home.  It is just their word against the banks.

People who use the services provided by Tila Solutions accumulate plenty of proof of all the harm the bank’s loan has caused them, all the actions they took to try and stop a foreclosure, and their proof of this begins with the Forensic Audit and Securitization Audit.

Plenty of Attorneys for lenders have been caught lying to judges in the past, claiming that homeowners never attempted to apply for loan mods, even though the homeowner had tried for months!  There are countless reports of homeowners who never even received a notice of default, but only learned that their home was no longer theirs when the Sherriff came to evict them.

The whole, “You can’t prove that we harmed you” is a rather fascinating development that homeowners would be wise to do something about.  What proof do homeowners have that they have taken every effort to try and prevent the bank from harming them?  Seriously, if the homeowner is the only one working directly with the bank (which is the way banks and government prefer you work), it becomes his word against the banks.  Seems the bank normally comes out the winner.   Tila staff have investigated so many predatory loans to date that there is no doubt anymore of the banks harming the people.

You don’t see too many banks claiming that they “harmed” a person because of their predatory loans either.  Unless an independent company investigates the bank, you can count on the bank brushing the whole predatory loan, or right to foreclose (where’s the note) under the carpet and out of your view.

Your property is being stolen from you by banks that claim they can prove they have not harmed you and it is ok to have fraudulent foreclosure documents because you were missing your payments anyway!  It’s hard not to compare that to some justification a child might use, such as:  it was ok for the child to eat all the cookies because nobody else was—clearly nobody was harmed!

Facts:

• Usually homeowners are missing payments on loans that were designed to fail.  Forensic Loan Audits consistently prove this. That right there is a lot of harm to the homeowner.
• Most homeowners are being told to stop making payments by banks to qualify for loan modifications.  That is more harm to the homeowner.
• Most homeowners are being stalled with “lost paperwork,”  “didn’t get your fax,” and other ridiculous antics from lenders during the loan mod process while the lender proceeds with foreclosure.  Homeowners are often waiting for more than a year to get a loan mod – the amount of missed payment being added to a loan benefits the lender and harms the homeowner.
• Most homeowners who are being foreclosed upon are being foreclosed upon by a bank that doesn’t even own the note and/or has the deed rightfully assigned.  That is the final bit of harm. Of course a Securitization Audit proves this.

But if you don’t have somebody working as an authorized third party on your behalf, how do you prove any of it?  If you don’t have a Forensic Audit of the original loan the lender gave you done, how do you prove the harm they are guilty of from the very moment they created that loan for you?  If you don’t get a Securitization Audit done to show whether or not the lender can even foreclose upon you, how do you prove that they can’t take your home?

Even more important than proof is the fact that if you get a company like Tila Solutions involved on your behalf, then more than likely you won’t need to think about what you have to prove and can’t.  You can just think about how you were one of the lucky few who actually escaped the bank oppression and still have your home.

You have to take care of matters and protect yourself and your family.  The bank isn’t there to help you.  They are there to protect their financial bottom line.  They have proven repeatedly that they look out for number one, and that is not you.

By Sean Hansen

Let’s take a look at some of the more common illegal foreclosures:

1. The lender who is foreclosing on you is not the lender on your deed of trust.  This is ok if all the proper assignments are recorded.  Of course, the lenders set up MERS and very few loans have the proper chain of title.  If this has happened to you, then you need to consider getting a Securitization audit to track the deed of trust, and to track the note.  You could just possibly save your home! Here’s one of the key reasons why homeowners are now demanding a Securitization Audit.  It is a new day.  The Homeowner had first the laws of TILA, RESPA, HOEPA and ECOA on his side – and Forensic Audits proved that the banks lied to the homeowners when they gave the loans.  But now again, they lie when they foreclose on his home.  There’s an audit to empower homeowners with the laws of the land once again.  That’s the Securitization Audit.
2. Was your foreclosure started with just your note?  Did they fail to include the deed of trust?  Did the lender who started the foreclosure own both the note and the deed?  Again, if these two documents are not properly recorded, kept together and utilized by the rightful owner, then you could be suffering through an illegal foreclosure.  A securitization audit is the way to find out.
3. Robo-signers or “The Burger King Kids”:  By now, we all know that the big banksters have admitted to some “paperwork” errors.  Cat’s out of there bag there folks.  Are you going to trust that the lying, loan-sharking lenders who worked in cahoots with foreclosure mill attorneys have now “corrected” everything.  I should hope not.  Better get your own independent Securitization Audit to ensure that you are not the unwitting victim of property thieves.
4. Predatory Loans:  Loans that wipe you out financially, and were designed to do so from the onset – they consume far more of your income than is allowed, there were often bait and switch tactics used to get the homeowner into the loan, huge kickbacks to brokers, high interest rates, adjustable interest rates, the list goes on and on and on.  And it is these types of violations that bring real hope to the homeowners when he gets his loan audited.  This is the Forensic Loan Document Review.  It is the audit that investigates all the federal laws that protect you, not just the more commonly known ones.
5. There are many homeowners today that are suffering with both predatory loans and illegal or predatory foreclosures.  Muster up the power you have to protect yourself and turn this situation around.  Show the lender a forensic loan audit and a securitization audit and watch him start to finally negotiate.  You may even find that your foreclosure just sort of “disappears”.  Put the ball back in your court.

You do not have to be victimized or stolen from. You can take this situation and turn it around.  You can save your home.

Tila Solutions Consultants can help you determine what services you need.  If you plan on taking your lender to court, their examiners provide telephone testimony for your lawsuit.