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Today’s predatory lenders are responsible for predatory foreclosures. While the lenders spend month after month pretending to modify your loan, they can and do ramrod foreclosures through at record speeds, and why? Because they don’t bother to follow the laws, regulations or guidelines when foreclosing. Predatory lenders passed out predatory loans for more than a decade, now they are actively engaged in predatory foreclosures.

As has been made clear by a number of studies, news releases and private sector companies: the American public have been mislead to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind by giving him a loan mod. Statistics are showing that 80% of the homeowners who try to work directly with the bank to get this “help” are in fact turned down for modification.

Over the past several days three of the major banks have released to the news that they have stalled foreclosures. A closer look reveals that the lenders GMAC, Chase, and Bank of America have only stalled foreclosures for an estimated two to four week window in 23 states. The 23 states are those which specifically use the judicial system to get foreclosures completed. This means that if you are in a state that does what is known as a non-judicial foreclosure, such as California, then your foreclosure is not stalled.

News reports have revealed that these three lenders were using “Robo-signers” to sign affidavits.

At the root of all three announcements are „robo-signers,” middle managers who sign affidavits that allow banks to repossess homes that are in default, without properly reviewing the loan documents. One GMAC employee, Jeffrey Stephan, admitted in depositions that he authorized up to 10,000 foreclosures a month without seeing the files associated with them. At Chase, Beth Ann Cottrell, a robo-signer in Ohio, told a lawyer in a sworn deposition that she signed off on about 18,000 foreclosure affidavits and other documents a month without reviewing all the files. -Wall Street Journal, October 2nd, 2010

And what can we predict for the homeowners in those 27 other states, where the lenders’ actions are not monitored by the courts? Simply put: a free for all. Homeowners please be diligent and most of all. Watch your backs! Don’t listen to your lender, don’t believe your lender. He has just lost the ability to foreclose in almost half of the US. There is only one thing on his mind: He’s got to replace those lost foreclosure revenues, and FAST!

As more and more homeowners get forensic loan audits done on the loan they were given by the bank, it becomes painfully clear that the bank violated federal laws when they gave that loan. The American homeowner has been preyed upon by the banking industry for more than a decade.

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.

What is the actual fact of the situation? The banks need to appear profitable. Every year in the banking industry, the fourth quarter is the quarter to clean up the balance sheets. Now one of the best ways to do that is to remove as many non-performing loans from the books as possible. And that is done through foreclosure. The banks can also collect on insurance policies for those bad loans. And that is more money in the coffers. Coming through the fourth quarter in as profitable of a position as possible is the goal of the banker –not modifying your loan. With almost half of his foreclosure market currently gone, he is going to be in full foreclosure frenzy wherever he is not being regulated, restricted, and watched.

If you have not gotten yourself any type of professional assistance, now is the time to get it. And if you are not using forensics to show the lender the kind of illegal loan that he wrote for you to sign, then chances are you will become a fourth quarter foreclosure statistic. Arm yourself. Save your home. Don’t be mislead.

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 trained professionals at Tila Solutions. Visit their website http://www.tilasolutions.com/ to learn more about this company and what they can do for you. Or Call a Tila Solutions Consultant at 1 — 7 0 2 — 5 0 8 – 0 3 3 5. They are busy saving homes. They know the lender lies and deception. They know how to use a forensic loan audit to actually get you a real loan modification. If you really don’t want to lose your home, just call them.

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Last week the several major newspapers released the news that Bank of America was finding “errors” in the paperwork. The Bank claimed that they found maybe 10 to 25 errors in the first 100 files reviewed; of course many are concerned over the bank’s inability to say if it was ten or eleven, or twenty-five. This week, despite their admittance of “flawed foreclosures” (that’s just a pretty word for predatory foreclosures or fraudulent foreclosures) they announced that their Foreclosure Frenzy will resume at full speed in 23 states (the judicial states) and Bank of America also claimed foreclosure numbers should be around 100,000. GMAC also announced they will resume their foreclosures as well. JP Morgan Chase has remained silent on the subject thus far.

Once again, homeowners are at great risk, only this time it is hoped that homeowners will be wise enough to stand up to the banks and demand that the bank’s presumably predatory foreclosure is in fact valid and correct. Although Bank of America is claiming that the problem was truly only a simple matter of “correcting signatures” which could cause the unaware homeowner to think there is nothing left that he can do to fight the foreclosure process, this is (as usual) false information from the Banks. A quick review reminds us that today thousands of homeowners already know this, which is why they come to Tila Solutions to get Forensic Loan Audits and Assignment Audits.

By this time, most homeowners no longer believe that what the banks say or do is truthful or valid information. They have seen the banks issue fraudulent loans, they have heard the false promises of loan mods that never happen, they have seen the nationwide scandal of illegal foreclosures, and they have heard from friends, family, and neighbors the grievous recounting of seized homes for the want of “missed paperwork”, the forms the bank claims never arrived even though the homeowner sent them repeatedly. Tila Solutions Consultants receive these cries for help daily. Tila immediately gets these homeowners empowered through forensics and professional services provided by their company, which in turn has saved their homes.

But, what can the homeowner, with all his newly found wisdom do in the light of Foreclosure Fraud and blatant criminality? Unless he does something, sadly, he will lose his home. The government put on a big display of “how awful it all is”, but the foreclosures are resuming. The “Banksters” as they are now being called by many, just claim it is their legal right to foreclose. But, these predatory lenders still only have the right to foreclose if the foreclosure is legal and despite the fact that they “fixed” their documents, most of the foreclosures are still not valid or legal. And the reason lies in the famous “where’s the note” strategy, and of course the dubious and shysterish acts the predatory lenders are all guilty of when they created MERS and then assigned 64 million loans to it. If your loan has MERS involved, then you need to immediately protect yourself by getting a complete Assignment Audit done. An Assignment Audit will investigate the legality of the loan you were issued, then the tracking and assignment of the Title, as well as the Servicing and Pooling Agreements, and finally thus determine who owns the note, or more commonly the total and complete absence of the note. This audit normally shows your predatory lender is still breaking the law when he is trying to foreclose on you. Only the true and valid holder of the true and valid note has the legal right to foreclose on you.

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. Right now, that money is found in foreclosures. Once you get a complete Forensic Loan Audit and Assignment Audit, then you will be able to show the lender he’s got no money coming to him by foreclosing on you, so he may as well work with you.

Homeowners don’t have to stand alone, against these Banksters, and in fact they shouldn’t. Any homeowner can read the reports of abusive and predatory practices by the hundreds on the internet. They know now they need a professional on their side. Tila Solutions has been the icon of strength, wisdom and hope for thousand of homeowners. Visit their website http://www.tila-now.com/ to learn more about this company and what they can do for you. They are busy saving homes. They know the lender lies and deception. They know how to use a forensic loan audit and Assignment Audits to actually stop foreclosures and get you a real loan modification. If you really don’t want to lose your home, just call them. They can be reached at (702) 508-0335.

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As the months pass and more and more homeowners have utilized Forensic Loan Audits to show that they are stuck in Predatory Loans, which they can never hope to repay, the crisis builds and builds for the banks.

One such example of this crisis is a recent lawsuit where the Federal Home Loan Bank of Chicago sued BofA, Citigroup, Goldman Sachs, and Wells Fargo for the more than $3.3 billion in residential mortgage backed securities these banks sold them. In short, it seems the big boys lied when they sold predatory loans, claiming they were safe.

It was described best in this recent article from Bloomberg on October 15, 2010:

Federal Home Loan Bank of Chicago sued lenders including Bank of America Corp. claiming their failure to disclose relaxed subprime mortgage underwriting standards, led it to unknowingly buy risky mortgage-backed securities.

A little bit later in the article, it states,

“The defendants did not tell the bank the truth about the loans that comprised the mortgage pools,” underlying the securities, the Federal Home Loan Bank alleged. While it believed it was acquiring “safe” securities, “in fact the bank purchased a toxic stew of doomed mortgage loans,” according to the complaint.

As we have all watched the new round of lies and fraud be revealed in the media, illegal foreclosures, fraudulent loans, homes auctioned despite loan mods “in review”, it becomes clear that at long last the bank can no longer try to pretend that their hands are clean and they are the innocent victims in this financial meltdown they created.  And though there may be comfort in that, the homeowner is still the innocent victim getting railroaded by the bank.

Unless he chooses to fight back and take a stand against the bank and demand recourse for his predatory loan.  Of course, he will have to have the proof that it is a predatory loan, and that is why he needs a forensic loan audit.

The forensic loan audits that Tila Solutions conducts for homeowners have repeatedly shown exactly what this suit strikes at.  People were put into loans without proper qualification.  In many cases there was no underwriting, or very lax underwriting.  The people who were approved for these loans never had a chance of being able to pay them back.  This is just one of the many areas that the TILA and RESPA laws are there to prevent.

In September there were more than 100,000 foreclosure filings across the US.  For the year, more than half a million foreclosure filings have already occurred.  It is now estimated by some that before this mess is finally resolved, there could be millions more in foreclosure.

But, the question in most homeowner’s minds is why do the banks feel the need to foreclose at all?  The loan modification tool has been made available to lenders and homeowners.  Why not use it?

The answer is simple; unless the banks foreclose they cannot recoup their losses through insurance policies.  In fact, it is why the Forensic Loan Reviews have saved so many people from foreclosure.  A thoroughly done set of forensics on a loan, coupled with expert loan negotiations can bring a foreclosure to an end and finally result in a loan modification because the lenders are at risk of losing their insurance payoff once the forensics are in the file.

Homeowners struggle constantly in trying to determine who to believe:  The bank that has them in foreclosure while modifying their loan?  Or the private sector company who has the ability to show all the lies from the very onset of that loan and get the bank to modify as a solution to everyone’s problems.

The answer is simple:  The banks have been revealed to be fraudulent in most aspects of business, so it is safe to operate from the viewpoint that they will not modify your loan, and will complete the foreclosure.  Protect yourself and get Tila Solutions to help you.

It is probably time you contacted a Tila Solutions Consultant to get real help.  Just remember this:  The bank wants your money and your home.  Take action and give yourself a fighting chance.  Get a Forensic Loan Review and let the people at Tila Solutions to negotiate new terms for you with the bank.

Tila Solutions can be contacted at 702 508 0335.  You can find out more about Tila and Forensic Loan Reviews at http://www.tila-now.com

TAGS: forensic Loan Audits Tila Solutions, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, predatory loans, Fraud, subprime loans, toxic loans, Bank of America, Citigroup, Goldman Sachs, Wells Fargo, TILA, RESPA