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. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously. But they can only help IF the home has not been auctioned off!

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.

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 gotten.

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 1- 307—459—0232. 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: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default

Filtry wody są urządzeniami lub też aparatami używanymi w procesach oczyszczania wody. Mechanizm dezynfekcji wody jest w większości sytuacji podobny, zaś dysproporcje uwidaczniają się w zaawansowaniu w technologii aparatów. Najzwyklejsze urządzenia są przepływowymi filtrami do wody z wymiennymi wkładami do filtrów typu: mechaniczne (polipropylenowe), filtry węglowe (eliminacja metali ciężkich, chloru, poprawa barwy oraz zapachu), filtry zmiękczające (usuwanie jonów odpowiedzialnych za tworzenie się kamienia kotłowego). Wszystkie wkłady oraz złoża mają określoną żywotność zależną od natężenia przepływu przez filtr, ilości zanieczyszczeń lub też objętości samego złoża filtracyjnego.

Większe wersje filtrów wody przeznaczone są dla zaspokojenia potrzeb instalacji w domach jednorodzinnych lub też instalacjach w przemyśle. Tego typu filtry wody posiadają bardzo zaawansowane mechanizmy automatyki nadzorujące cykle płukań czy też regeneracji złóż filtracyjnych. To rozwiązania optymalnie ekonomicznie, ale pociągające za sobą znacznie większe koszty inwestycyjne.

Once you have missed a payment the lender is not your friend. Missed payments equal more money for the lender. The more the lender gets, the happier he is. The best way for the lender to get more money out of you is to increase your monthly payment through accrued interest from late payments or missed payments, late fees and penalties. It is a real money maker for the lender. This has always been a fact and all homeowners know it and accept it.

Where the problem currently lies is that the homeowner has been led to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind. The lender is not going to help you – unless there’s money to be made in it for him. Enough money to make it worth his while – and that means he will actually pretend to help you. In fact, the lender will just string you along with false promises and pretenses for months and months and months, finally you’ll end up in foreclosure and possibly lose your home to public auction.

You, the homeowner have always been nothing more than a loan number to the lending institutions. Sadly, that’s all you’ll ever be. They’re not particularly moved by the fact that your child has special needs, or your mother needs extra care. They don’t really care that your spouse lost their job, or that the home has been in your family for six generations. In fact they have no interest in any of the aspects of your life. The equation is simple: Your money or your home.

What matters is that your loan number has fallen behind and now you are on the very-profitable-for-the-lender road to foreclosure. Soon they will either get a large, normally uncontested “chunk of change” from you-who-represents-your-loan-number, or they’ll get your house – which secures your loan number.

Sure, they have seemingly courteous people on the phone (well some of them do, others use call centers in India or hire brutes to scare, manipulate and threaten you), all who say “stop making your payment and we’ll get you a loan mod,” or “we can’t help you until you are three payments behind,” or we have you in the system for a loan mod, now it will take only 4 months to get you a mod (of course it actually turns out to be 13 to 18 months because they are always losing your paperwork).

Why does a process as simple as a loan mod take so long? Because every missed payment is more money for the lender. Did you know that almost half the homeowners manage somehow to cure their default amount to prevent foreclosure from starting? Sure, but they wiped out every financial resource the homeowner had, and once again, he can’t make his monthly payment!

The homeowner is back in default and on the road to foreclosure in no time at all. Meanwhile the lender made a nice sum and gets to go for round two. The only route left to save the home is bankruptcy – most homeowners think—so they destroy the rest of their credit and dignity in a last ditch effort to save their home. It bought them a bit of time, but it seems the lender still gets the home in the end.

What started all this? Rather, who started all this? It was the lenders themselves. That’s correct, they gave you loans designed to fail. They’ve made billions of dollars at your expense. That’s why it is predatory lending and predatory servicing. Since the day you got your loan you have been preyed upon. You have been told that this is “all your fault,” and the government has “tried to comfort you” with promises of help through President Obama’s HAMP program. That, of course we all know now, is just a great big joke. Most people only give money to the lender for months on end, while none of it goes to their loan, then they get disapproved and foreclosed upon.

And it seems to so many homeowners that everybody is in on their pain for the lender’s gain. Attorney’s won’t take on the homeowner and fight for him when the lender will pay him well to foreclose. Judges don’t really want their courtrooms clogged up with foreclosure cases, so warehouse them through. Lenders ‘warn” homeowners not to get professional help, ‘cuz, well you know, “the lender will help you for free”, yah, sure we all know that lie by now. And saddest of all: politicians are passing laws that prevent homeowners from hiring professionals to help them get their loans modified!

But there is hope, and there is help. Rockingham Associates is there for the homeowner. They conduct forensic loan reviews which reveal all the violations in the loan the lender gave you. They conduct predatory servicing investigations, which reveal all the predatory acts the servicer has committed against you. They use those investigations as the springboard to getting you successful negotiations. Lenders suddenly would rather modify your loan, than deal with investigations.

Homeowners don’t have to stand alone, they don’t have to be abused and preyed upon. They just need a professional on their side and that would be the good people at Rockingham Associates. Visit their website at http://www.rockinghamassoc.com to learn more about this company and what they can do for you. They are busy rekindling the American Dream. Their goal is to get you complete financial recovery. Consider contacting one of their representatives to begin to unravel your financial dilemmas.

TAGS: lender, late payments, default, homeowners, 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, Predatory Servicing

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? How can those facts help save your home?

Despite government intervention, people continue to churn and burn while desperately hoping for a Loan Mod, while thousands report abusive, deceiving, unfair and inept practices in the Loan Mod Departments. Foreclosure statistics are still on the rise — they are moving along seamlessly, however, those departments are adequately staffed.

Lenders, bankers, news media – and even government officials warn you away from seeking professional services to help you save your financial life and your home. . . Why?

The clue lies here in a video recently released on the web – you probably saw it. In summary, it states that IndyMac makes more money foreclosing, short selling, and collecting from the FDIC than they do modifying loans.

Some allege that the deal has been made with other banks who bought out failing loans, such as Bank of America, Chase, and Wells Fargo too. As news of the Goldman Sachs Investigation hits the papers (banks put people into failing loans purposely so they could clean up on the stock market when they failed). Bankers scammed homeowners.

Tila Solutions personnel hear from homeowners daily how they are being forced into foreclosure or short sale by their banks. This strongly suggests that the findings in this video may have merit.

The money is in foreclosure and short sales. Loan Mods are not profitable and the professionals that could and do help are often maligned. (Companies like Tila Solutions are cutting into the bank profits when they save homes). It makes sense really because bankers are not in the business of helping people, they in the business of money-making.

Tila Solutions is in the business of providing forensic loan audits, and helping homeowners save their homes. That’s got to wreck those bank profits in the foreclosure and short sale departments!

But, how did we end up as a nation in foreclosure? Who did it? More importantly, who scammed you originally, and who is still scamming you now? Read on.

It started in the late 90’s: a 1999 Orlando Sentinel article states, – In a move that could provide stronger consumer protections for more than 1 million new home buyers a year, the federal government plans to take a novel, get-tough approach with lenders: It’s going to hold thousands of banks and mortgage companies directly responsible for the number of home buyers they finance who fall into default or foreclosure within the first 24 months after loan closing. (gotta wonder what the heck happened, don’t you?)

Over the past decade estimates are as high as 80% of the loans issued by banks contain federal violations and are predatory loans. Now there’s a huge contributing factor to escalating foreclosures and bankruptcies over the past five years! (Tila Solutions has still not investigated a loan that did not contain numerous violations!)

And how many banks issued predatory loans that they then collected that federal mortgage insurance on after they foreclosed on the homeowner (and so often the homeowner didn’t know he had been foreclosed upon – he thought he was getting a loan mod). Tila hears from and helps these homeowners every day.

How about WaMu – once touted as the nation’s largest bank (they’re out of business now)
Seattle Times reported in October of 2009, that the fallout from the ‘biggest banking collapse in U.S. history shows no sign of ending soon.” What fallout? It’s all those lawsuits and federal investigations alleging securities fraud “whether fraud played a role in WaMu’s collapse,” and bankruptcy.

Of course, WaMu was shut down by the FDIC, and Chase was forced to buy their failing loans. Of course, Tila Solutions gets hundreds of calls from homeowners, desperate to stop Chase from foreclosing on their WaMu loans – you know those loans they produced that now has them being investigated for fraud and securities violations (back to issuing loans designed to fail for the benefit of the stock market, are we?)

Today, Chase is servicing all those loans. Still burning and churning in Chase’s Loan Mod Department – listening to their recording which says, “we will modify your loan for free” while hoping to hear from a customer service rep that you don’t have to fax your tax return for the 20th time, or fearing that you will hear that since you didn’t, you will now be foreclosed upon.

Or are you one of the more recent statistics – a person who thought they were getting a loan mod (for free) even made all your trial mod payments, and then received your auction date in the mail? They may claim to modify your loan for free – but rest assured they charged YOU several thousand dollars to foreclose on you.

Why on earth wouldn’t you get Tila Solutions to investigate and negotiate for you? The bank hired a professional to foreclose on you.

Many homeowners still, to this day, appear to put their faith in the banks – but would they have if our government’s efforts to stop the bank scams had made a much bigger media splash?
Summing things up then:
Can we be so bold as to assume that under the pretense of “working” to modify loans, they are taking homes in record numbers? Tila sees the rising foreclosure statistics as a strong indication that this is the case.
Why is there no steady onslaught of media reports on this? How is bilking homeowners out of thousands of dollars in trial mod payments before their homes are foreclosed upon not a scam? Tila Solutions helps homeowners stop these actions daily.

In an article in the March 4th 2010, Orlando Sentinel, we see that Bank of America carries the lowest scores for loan mods: “The lender, one of the nation’s biggest banks, holds more than a million mortgages that are months behind on their payments — twice as many defaulting home loans as any other lender in the country. But it has given permanent mortgage modifications to only about 1 percent of those borrowers — one of the lowest rates among lenders nationally.”

Unless the home owner stops “listening to what the banks say” and starts reading the lawsuits the banks are passing out like lollipops when you make a deposit, the foreclosures are going to just keep on multiplying. It is time to stop thinking the bank is going to help you. It is time to start helping yourself.
Investigations have resulted in fraud and federal violations being found and addressed – albeit not adequately by our government, but even they cannot ignore them. Thus, one can surmise that when federal violations and fraud are found doors have opened – at any level.
Tila Solutions finds these violations, and doors open – no matter how the lenders may wish to deny it. TILA, RESPA, HOEPA, ECOA and Fraud violations when found in a loan open doors and save homes.

Do yourself a favor and contact Tila Solutions. Take matters into your own hands. Just remember this: The bank wants your money and your home. Get a Forensic Loan Audit and let the people at Tila negotiate new terms for you with the bank.
Tila Solutions can be contacted at 1 307 459–0232. You can find out more about Tila and Forensic Loan Reviews at http://www.tilasolutions.com

Tags: Tila Solutions, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans

Filtry do wody są urządzeniami lub aparatami stosowanymi w procesach oczyszczania wody. Mechanizm uzdatniania wody jest w znacznej większości przypadków podobny, zaś różnice uwidaczniają się w zaawansowaniu technologicznym filtrów wody. Najzwyklejsze urządzenia to przepływowe filtry do wody z wymiennymi wkładami do filtrów typu: wkłady mechaniczne (polipropylenowe), wkłady węglowe (eliminacja metali ciężkich, chloru, polepszenie barwy i zapachu), zmiękczające (likwidacja jonów odpowiedzialnych za powstawanie kamienia kotłowego). Wszelkie wkłady i złoża mają konkretną żywotność zależną od natężenia przepływu przez filtry do wody, skalę zanieczyszczeń lub też objętości samego złoża filtracyjnego.

Większe modele filtrów do wody przeznacza się dla zaspokojenia potrzeb montażu w domach czy też instalacjach przemysłowych. Takie filtry do wody posiadają niesamowicie zaawansowane układy automatyki regulujące cykle płukań lub też regeneracji złóż filtracyjnych. Są to rozwiązania optymalnie pod względem ekonomicznym, jednak gwarantujące na starcie zdecydowanie poważniejsze koszty inwestycyjne.

Wkłady filtracyjne to wymienne opakowania jednorazowe albo wielorazowe zawierające złoża filtrujące, których zadaniem jest oczyszczanie przepływającej wody pod względem konkretnych parametrów. Takie wkłady filtracyjne stosowane są z reguły w mniejszych filtrach, stosowanych w biurach czy domach. Obecnie w ofercie firm znajduje się bardzo szeroki asortyment wkładów uzdatniających o rożnych przeznaczeniach. Popularne zastosowania: wkłady zmiękczające (minimalizują twardość – przyczynę osadzania się kamienia kotłowego), wkłady węglowe (polepszają smak i zapach wody, pozbywają się metali ciężkich i chlorków), mechaniczne wkłady filtracyjne (filtrują makrocząsteczki czyli cząstki korozji, piasek itp.).

Dotychczas najpoważniejszym minusem wkładów do filtrów wody była ich jednorazowa konstrukcja i niewielka objętość złoża we wkładzie. Produkowane dzisiaj filtry do wody bardzo często dają możliwość jednak na uzupełnianie złoża filtracyjnego bez konieczności zakupu całego nowego wkładu. Działanie takie pozwala na zminimalizowanie kosztów powiązanych z koniecznością wyprodukowania obudowy – “rusztowania” dla wkładu filtracyjnego i umożliwia wykorzystanie pełnej pojemności filtra. Z uwagi na w miarę małą kubaturę wkładów filtracyjnych należy pamiętać o ich regularnym napełnianiu i wymianie.

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

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? How can those facts help save your home?

Despite government intervention, people continue to churn and burn while desperately hoping for a Loan Mod, while thousands report abusive, deceiving, unfair and inept practices in the Loan Mod Departments. Foreclosure statistics are still on the rise — they are moving along seamlessly, however, those departments are adequately staffed.

Lenders, bankers, news media – and even government officials warn you away from seeking professional services to help you save your financial life and your home. . . Why?

The clue lies here in a video recently released on the web – you probably saw it. In summary, it states that IndyMac makes more money foreclosing, short selling, and collecting from the FDIC than they do modifying loans.

Some allege that the deal has been made with other banks who bought out failing loans, such as Bank of America, Chase, and Wells Fargo too. As news of the Goldman Sachs Investigation hits the papers (banks put people into failing loans purposely so they could clean up on the stock market when they failed). Bankers scammed homeowners.

Tila Solutions personnel hear from homeowners daily how they are being forced into foreclosure or short sale by their banks. This strongly suggests that the findings in this video may have merit.

The money is in foreclosure and short sales. Loan Mods are not profitable and the professionals that could and do help are often maligned. (Companies like Tila Solutions are cutting into the bank profits when they save homes). It makes sense really because bankers are not in the business of helping people, they in the business of money-making.

Tila Solutions is in the business of providing forensic loan audits, and helping homeowners save their homes. That’s got to wreck those bank profits in the foreclosure and short sale departments!

But, how did we end up as a nation in foreclosure? Who did it? More importantly, who scammed you originally, and who is still scamming you now? Read on.

It started in the late 90’s: a 1999 Orlando Sentinel article states, – In a move that could provide stronger consumer protections for more than 1 million new home buyers a year, the federal government plans to take a novel, get-tough approach with lenders: It’s going to hold thousands of banks and mortgage companies directly responsible for the number of home buyers they finance who fall into default or foreclosure within the first 24 months after loan closing. (gotta wonder what the heck happened, don’t you?)

Over the past decade estimates are as high as 80% of the loans issued by banks contain federal violations and are predatory loans. Now there’s a huge contributing factor to escalating foreclosures and bankruptcies over the past five years! (Tila Solutions has still not investigated a loan that did not contain numerous violations!)

And how many banks issued predatory loans that they then collected that federal mortgage insurance on after they foreclosed on the homeowner (and so often the homeowner didn’t know he had been foreclosed upon – he thought he was getting a loan mod). Tila hears from and helps these homeowners every day.

How about WaMu – once touted as the nation’s largest bank (they’re out of business now)
Seattle Times reported in October of 2009, that the fallout from the ‘biggest banking collapse in U.S. history shows no sign of ending soon.” What fallout? It’s all those lawsuits and federal investigations alleging securities fraud “whether fraud played a role in WaMu’s collapse,” and bankruptcy.

Of course, WaMu was shut down by the FDIC, and Chase was forced to buy their failing loans. Of course, Tila Solutions gets hundreds of calls from homeowners, desperate to stop Chase from foreclosing on their WaMu loans – you know those loans they produced that now has them being investigated for fraud and securities violations (back to issuing loans designed to fail for the benefit of the stock market, are we?)

Today, Chase is servicing all those loans. Still burning and churning in Chase’s Loan Mod Department – listening to their recording which says, “we will modify your loan for free” while hoping to hear from a customer service rep that you don’t have to fax your tax return for the 20th time, or fearing that you will hear that since you didn’t, you will now be foreclosed upon.

Or are you one of the more recent statistics – a person who thought they were getting a loan mod (for free) even made all your trial mod payments, and then received your auction date in the mail? They may claim to modify your loan for free – but rest assured they charged YOU several thousand dollars to foreclose on you.

Why on earth wouldn’t you get Tila Solutions to investigate and negotiate for you? The bank hired a professional to foreclose on you.

Many homeowners still, to this day, appear to put their faith in the banks – but would they have if our government’s efforts to stop the bank scams had made a much bigger media splash?
Summing things up then:
Can we be so bold as to assume that under the pretense of “working” to modify loans, they are taking homes in record numbers? Tila sees the rising foreclosure statistics as a strong indication that this is the case.
Why is there no steady onslaught of media reports on this? How is bilking homeowners out of thousands of dollars in trial mod payments before their homes are foreclosed upon not a scam? Tila Solutions helps homeowners stop these actions daily.

In an article in the March 4th 2010, Orlando Sentinel, we see that Bank of America carries the lowest scores for loan mods: “The lender, one of the nation’s biggest banks, holds more than a million mortgages that are months behind on their payments — twice as many defaulting home loans as any other lender in the country. But it has given permanent mortgage modifications to only about 1 percent of those borrowers — one of the lowest rates among lenders nationally.”

Unless the home owner stops “listening to what the banks say” and starts reading the lawsuits the banks are passing out like lollipops when you make a deposit, the foreclosures are going to just keep on multiplying. It is time to stop thinking the bank is going to help you. It is time to start helping yourself.
Investigations have resulted in fraud and federal violations being found and addressed – albeit not adequately by our government, but even they cannot ignore them. Thus, one can surmise that when federal violations and fraud are found doors have opened – at any level.
Tila Solutions finds these violations, and doors open – no matter how the lenders may wish to deny it. TILA, RESPA, HOEPA, ECOA and Fraud violations when found in a loan open doors and save homes.

Do yourself a favor and contact Tila Solutions. Take matters into your own hands. Just remember this: The bank wants your money and your home. Get a Forensic Loan Audit and let the people at Tila negotiate new terms for you with the bank.
Tila Solutions can be contacted at 1 307 459–0232. You can find out more about Tila and Forensic Loan Reviews at http://www.tilasolutions.com

Tags: Tila Solutions, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans

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

A Forensic Loan Review or Forensic Loan Audit, sometimes also called a Mortgage Audit is a thorough investigation of the loan that the bank gave you. This audit is done to locate all the Federal Laws that were violated by your bank when they created the loan they offered to you or your broker for you.

Tila Solutions is an Audit Company. They investigate loans given by the banks to determine if the bank violated any of the federal laws that protect the homeowners. Ultimately, if you have a predatory loan, you will need a Forensic Loan Audit. If you feel that the lenders mislead you, withheld information from you, rushed you, or possibly gave you a loan that could contain fraud then you will want to get your loan investigated.
Tila Solutions Examiners work with the Federal Laws that protect you as a borrower. Probably when you signed your loan documents you heard or saw reference to TILA, RESPA, HOEPA and ECOA. Those laws were passed to help prevent you from getting a loan that you won’t be able to pay back, which is often known as a predatory loan. They are also supposed to ensure that you understand the loan.

Tila Examiners also look for fraud and they investigate the loan to see if it complies with other federal regulating bodies and their guidelines. The fraud they look for is fraud committed by the banks – and their investigations have shown that the banks committed much fraud over the past decade!

When homeowners get turned down by the bank for a loan modification, a forensic loan audit is the critical first step to turning that around. Banks are not in the business of helping people; they are in the business of making money. The bank is not interested in giving you a lower payment, because you are experiencing hard times. They are only interested in seeing the loan they gave you “perform”.

In many cases the bank calculations will show that they can make more money or experience less risk (or both) if they do not give you a loan modification. Normally that means you will be in foreclosure and losing your home. The Forensic Loan Audit is your most powerful weapon to show that foreclosure is no longer a money-making option for the bank.

A performing loan is a loan that has a monthly payment coming in on time. The bank gets a nice profit for very little risk. This is all they want, and sadly, if you are not going to give them their money, then the bank will calculate the risk of modifying your loan against other methods of making money.

And that is why you need to get Tila Solutions to conduct a full forensic loan audit for you. Simply put the bank loses much of its power and ability to travel down other money-making avenues if the loan contains federal violations of TILA, RESPA, HOEPA, ECOA or if fraud is found when the investigation is done. Tila Examiners will meticulously go through your loan looking for all the federal violations.

This is very important: Once the Forensic Loan Review is completed, something effective must be done with it. Lenders actually tell homeowners it makes no difference (doesn’t it remind you of a criminal pointing out that the police won’t stop him) but don’t believe it for a minute. That is why Tila Solutions offers a free service to help negotiate on your behalf. The Lenders push borrowers around and mislead them all the time. Tila Solutions Negotiators will work on your behalf to make sure that you get your loan modification.

Tila Solutions has a homeowner hotline that you can call. Their consultants can help you identify if you have a predatory loan. They can help you determine if your loan is in need of a Forensic Loan Audit.

You should contact a Tila Consultant if you have been turned down for a loan mod, or if you are nearing or are in foreclosure. Tila Consultants can help people who are current on your loans or those with investment properties. A Forensic Loan Audit helps with these types of loans.

The Tila Solution website is loaded with information – go to http://www.tilasolutions.com to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions. You can call a Tila Solutions Consultant at 1 — 3 0 7 — 4 5 9 — 0 2 3 2.

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