By Helen Johnson

From the New York Times Article, Two States Sue Bank of America Over Mortgages in December of 2010 -  “Former employees said that Bank of America’s modification staff was “chaotic, understaffed and not oriented to customers,” according to a news release. One former employee said, “The main purpose of the training is to teach us how to get customers off the phone in less than 10 minutes.”

“Another employee said, “When checking on a borrower’s status, I often found that the modification request had not been dealt with or was so old that the request had become inactive. Yet, I was instructed to inform borrowers that they were ‘active and in status.’ One time I complained to a supervisor that I felt I always was lying to borrowers.”

From an email that Tila Solutions received from a former bank employee:  I have just in the last 2 weeks resigned my position from one of the top 3 banks in the country. I  had been working in the Prime Mortgage Department talking to hundreds and hundreds of delinquent homeowners,  who have been anywhere from 1 to 18 plus payments delinquent and/or in various stages of loan mods, or declined for loan mods.  I have been one of the top performers in that department, earning monthly bonuses, and then just recently, I was recruited to work on the foreclosure affidavit re-views and to re-work and an re-submitt them to continue the foreclosure process.  I am sure you’ve been reading in the newspapers about that mess and a lot of it is true.

In talking with hundreds of delinquent homeowners, it has just blown me away, at how unaware they are of what is going on and how they believe everything they are told by the employees of the banks.

From an anonymous phone call by a BofA Employee to Tila Solutions:  “BofA finds ridiculous ways to disqualify people for loan modifications, one trick is to tell them to send in a list of documents, and then disqualify them because they didn’t send in one document – which was never asked for by the bank in the first place.  Another trick they have is to disqualify anybody that has some extra money in savings.  BofA currently has 80,000 files for loan mod from last December that they are just getting to.  Oh and by the way, it only takes two days to do a loan mod.”

From a homeowner who called in to Tila, “I was referred to your company to get help on my loan mod.”  When asked who referred the homeowner, they said that they were not supposed to say who, but that it was from a person who worked inside BofA and knew of Tila Solutions, and told the homeowner that if she really wanted to save her home to call Tila Solutions.

The reason Tila Solutions is able to effectively help save homes is because they know how the banks operate.  They know the banks lie, cheat, mislead, and outright steal people’s homes.  For these reasons Tila begins all new cases by investigating the bank’s loan and or foreclosure either with a Forensic Audit or a Securitization Audit.  They make it clear to the bank that the homeowner is not in the wrong, the bank is.  From this groundwork they then move through all the bank lies and deceit and get that homeowner a loan mod.

Often other Audit or Loan Mod companies fail to get the job done simply because they too are a) believing what the banks say, and b) they don’t have any negotiations power.  Tila does not operate that way.  Listening to and believing the banks is the best way to lose your home.  Instead, get smart.  Get Forensics and/or Securitization audits done by Tila Solutions and have them negotiate with the bank for you.

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

Tags : BofA, Bank of America, loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic audit,  Securitization Audit, fraudulent loan modifications

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 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.

TAGS: foreclose lender, homeowners, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, predatory foreclosure, fraudulent foreclosure, Foreclosure Fraud, Bank of America, GMAC, Chase stalled foreclosures, forensics, forensic loan audit, Banksters, Assignment audit, Tila solutions,Consultants, MERS

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 and they also have negotiations services to help you get loan modifications.  If you plan on taking your lender to court, their examiners provide telephone testimony for your lawsuit.  Most people just want the problem solved the fastest way possible, which is giving the lender the opportunity to use loan modification to fix the problem.

Stop your illegal foreclosure, get your loan modified and save your home.  Tila Solutions is there to help you.  To find out about their services, call them at (702) 508-0335.  Learn more about the work this company is doing at .  It is a whole new day dawning for the homeowner.

Tags: illegal foreclosure, banksters, securitization audit, forensic audit, TILA, HOEPA, RESPA, ECOA homeowners, predatory Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, forensic loan document review, Banksters, Assignment audit, Tila solutions, Tila, Tila Solutions Consultants, MERS