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 provide a “real defense” for the Homeowner.  They provide as well, for those who want (and most do) out-of-court negotiations services to assist the homeowner get his loan modified.  If you view their website, you will find that they are an audit company that does not send the homeowner “hat in hand” to the bank to ask for help because he has fallen on hard times.  Their approach is to show the bank where the bank was at fault and thus must rectify the solution with the homeowner.  They do all of this without stepping foot in a courtroom.

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 Solutions looks out for the homeowner.  A Tila Solutions Consultant is available for people by telephone at (702) 508-0335.  Or you can visit the Tila Solutions website at .  They will help. They are not funded by the governments or the lenders. They are on the homeowners’ side.

Tags: wrongful foreclosure, foreclosure, stop foreclosure, loan mod, loan modification, forensic audit, forensic loan reviews, securitization audit,  Hamp Mod, modifications, Tila Solutions, free consultations

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