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

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.  Or you can visit the Tila Solutions website at .  They will help you and your family.  They are on your side.

Tags: foreclose, foreclosure, predatory foreclosure, illegal foreclosure, stop foreclosure,  Tila Solutions, Tila, RESPA, HOEPA, ECOA, OCC, predatory loan, forensic audit, forensic loan review, forensic loan audit, fraud, forensic loan audit, predatory loan, notice of default, save homes, Banks, Servicers, Securitization, Securitization Audit, MERS, Bankers, Brokers

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