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CFLA Offers New Online Mortgage Securitization Analyst Training Class - March 3-5, 2017
certifiedforensicloanauditors.com
Certified Forensic Loan Auditors Mortgage Securitization Anaylst Training Certification Class is a comprehensive 24-hour online intensive seminar. Students study and learn important topics related to Mortgage Securitization as well as complex analysis of how to obtain recorded documents. Trainees will complete (5) five full Mortgage Securitization Audits under the direct supervision of the Senior Auditor. Also covered are the complexities of form and substance related to Expert Witness Testimony and how to use your portfolio of Education and Experience to Educate Judges and Opposing Counsel on Securitization Issues, Chain of Title, and Robosigning. Graduates of the course will receive a Certificate of Completion having met the CFLA requirements necessary to be accredited as a Mortgage Securitization Analyst.
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Governor Cuomo Announces $28 Million Fine Levied Against PHH Mortgage Corporation for Shoddy Mortgage Origination and Servicing Practices
stopforeclosurefraud.com | November 14, 2016
Governor Andrew M. Cuomo today announced that PHH Mortgage Corporation and its affiliate, PHH Home Loans LLC, will pay a $28 million fine and engage a third-party auditor as part of a consent order for violations of federal and New York laws designed to protect homeowners. The consent order between the two companies and the Department of Financial Services was reached following a series of examinations that uncovered persistent shortcomings in their mortgage origination and servicing practices, including discrepancies in how mortgage foreclosures were documented and processed.
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False Claims by False Claimants
livinglies.wordpress..com | November 7, 2016
I recently had occasion to respond to an email regarding, as it turned out, understanding the way securitization actually worked, as opposed to what is shown on paper. The topic was "tender." This is what I wrote:
Why would you "tender" money to a party whose claim is obviously false?
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Casting Doubt on Validity of Servicer Affidavits in Foreclosure Litigation
livinglies.wordpress.com | November 4, 2016
Most institutional lenders, trusts and large financial institutions that loan money to borrowers or acquire distressed loans use loan servicers to service their loans after the loans are originated or otherwise assigned to them. Loan servicing is the process by which a lender uses a third party to, among other things, collect principal, interest and escrow payments from the borrower in connection with a loan.
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Wells Fargo in Talks With Prosecutors Over Potential Mortgage Abuses
wsj.com | November 3, 2016
Wells Fargo & Co. is in talks with a group of federal and state prosecutors examining potential abuses related to mortgages as it continues to grapple with investigations and public outrage from its sales-practices scandal. The bank disclosed in its most recent quarterly securities filing posted Thursday that it is in discussions with the Residential Mortgage-Backed Securities Working Group of the Financial Fraud Enforcement Task Force. That group, which includes the Justice Department, has levied billions of dollars in fines on other big U.S. banks, including a $16.65 billion payout from Bank of America Corp. and $13 billion from J.P. Morgan Chase & Co.
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Double Blind Foreclosure Scheme is Working for the Banks: States Quietly Resetting Title Across the Board
livinglies.wordpress.com | November 3, 2016
The plain fact is that if homes were fraudulently foreclosed based upon void fabricated instruments, the foreclosure itself is void. That is what is true under current law. But states like Massachusetts have passed legislation that most homeowners neither know about nor understand. Their rights to possession and title to property that is still legally owned by them (if current law was applied) are again being foreclosed legislatively. This completes the bank scheme in which the TBTF banks received a windfall "profit" in the trillions that really was a double blind fraudulent scheme. Both investors and homeowners alike are the victims while the TBTF banks are the victors.
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Housing advocacy groups call on FHFA, CFPB to investigate “pro-foreclosure” tactics
livinglies.wordpress.com | October 28, 2016
A consortium of housing advocacy groups is calling on the U.S. Department of the Treasury, the Federal Housing Finance Agency, and the Consumer Financial Protection Bureau to investigate “pro-foreclosure campaigns,” which the groups say are being perpetrated by “Wall Street giants including the largest hedge funds, mortgage bond traders, and insurance companies.”
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Why the Mortgages Cannot Legally Be Enforced
livinglies.wordpress.com | August 30, 2016
From the point of view of Article 9 there can be no foreclosure of a mortgage without the party claiming rights under the mortgage showing that they purchased the mortgage for value.
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Are We Heading for Another Housing Crisis?
money.usnews.com | May 12, 2016
Ten years ago, a storm was brewing in the housing market. Lenders were handing out mortgages seemingly to anyone who applied, and in many cases, borrowers weren't asked for documentation to prove income. Some institutions rolled out adjustable-rate mortgages that featured teaser rates and were marketed to consumers as loans that could be easily refinanced before the interest rate was scheduled to reset and send payments into the stratosphere.
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California high court opens door to wrongful foreclosure suits
latimes.com | March 6, 2016
During the bust that followed last decade's housing boom, hundreds of thousands of Californians lost their homes to foreclosure. It was a process later found to be rife with problems, such as overwhelmed bank employees who sometimes didn't even read the foreclosure documents in front of them. But challenging foreclosures on the basis of paperwork problems proved to be mostly futile, given California courts had ruled that borrowers who weren't paying their mortgages didn't suffer financial harm.
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The Banks Business Model is Foreclosing on Homeowners
March 2, 2016
Securitization is the reason banks want homeowners to foreclose. When a bank assigns the risk of a loan to the investors (certificate holders) of a Real Estate Investment Conduit Trust (SPV), the “bank” is no longer a traditional bank that gets the benefit of mortgage payments. Mortgage banks give as few modifications as possible and comply minimally with statutes put in place to protect borrowers, all while employing tricks to “cash in” on homeowners’ defaults, pushing them to foreclosure.
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YVANOVA affirms GLASKI!!!
February 17, 2016
The collapse in 2008 of the housing bubble and its accompanying system of home loan securitization led, among other consequences, to a great national wave of loan defaults and foreclosures. One key legal issue arising out of the collapse was whether and how defaulting homeowners could challenge the validity of the chain of assignments involved in securitization of their loans. We granted review in this case to decide one aspect of that question: whether the borrower on a home loan secured by a deed of trust may base an action for wrongful foreclosure on allegations a purported assignment of the note and deed of trust to the foreclosing party bore defects rendering the assignment void.
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Calif. Supreme Court Lets Borrowers Challenge Wrongful Foreclosures
nationalmortgagenews.com | February 19, 2016
The California Supreme Court on Thursday ruled that borrowers may challenge a wrongful foreclosure on the grounds that the assignment of the deed of trust was invalid. The decision in Yvanova v. New Century Mortgage Corp. has the potential to radically increase the number of lawsuits brought by borrowers, particularly on loans that were pooled into securitized trusts, experts on both sides of the issue said.
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If You Received a New Mortgage or Refinance between 2005 and the Present Your Mortgage is Null and Void!
cfla.com | February 3, 2016
If you received a new mortgage or refinanced you old mortgage between 2005 and the present and your mortgage was securitized by the Wall Street banks, your mortgage is null and void! We have truth in lending laws and full disclosure laws that are supposed to be front and center at your real estate closing.
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Goldman Sachs $5B Settlement in Favor of Homeowners
January 20, 2016
Find out if your home loan was securitized by Goldman Sachs during years 2005-2007 and thus subject to the $1.8b available for homeowners and consumers in the form of principal reduction or damages.
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The Mortgage Industry Keeps Showing It Doesn’t Care About You
thefiscaltimes.com | December 30, 2015
When the mortgage industry attributes some of its recent problems to TRID, they aren’t referring to some unheralded Star Wars character. They’re actually engaging in a uniquely unseemly lobbying tactic: using their own failings to bludgeon basic consumer protections.
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$5.4 Million! Jury Finds Wells Fargo Committed Fraud When It Used Robo-Signed Document
i-uv.com | December 14, 2015
Congratulations to the experts and attorneys on this. As Marie McDonnell states in the article reproduced below this case is important because it is the first time that Robo-signing has resulted in an award of damages for fraud. I would add that the lawyers must have done a fine job at trial — because ordinarily we don’t see jury instructions that would support punitive damages for robo-signing. The pages are turning on a new chapter.
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CFLA Bloomberg property Securitization Analysis are picking up Steam & Credibility in the International Markets
moneyweb.co.za | December 2, 2015
Securitization audits present a new problem for banks attempting to repossess the homes of defaulting borrowers. A newly formed company called Virtual Velocity has completed four audits so far and in each case the loans were apparently found to have been transferred to new owners in Taiwan and Thailand.
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Breaking News

Fannie, Freddie Plunge After Court Rules Hedge Funds Can’t Sue
livinglies.wordpress.com | February 21, 2017
In place since January 2013, the controversial net worth sweep allowed the U.S. to recapture all of the $187 billion in taxpayer money it spent to stave off the companies’ collapse during the global fiscal crisis and as of 2016, at least $56 billion more. All of that without reducing Treasury’s liquidation stake in either firm.
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2d Florida DCA Knocks Down CitiMortgage – PennyMac Dance
livinglies.wordpress.com | February 21, 2017
The Second District Court of Appeal in Florida has issued an opinion that diligently follows the law and the facts. This decision should serve as the blue print of foreclosure defense in all cases involving the dance between CitiMortgage and PennyMac. It is a shell game and the Court obviously is growing weary of the claims of "immunity" issued by the banks in foreclosure cases.
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Fannie and Freddie Launch Flex Modification Program: No Paperwork Required in Some Cases
livinglies.wordpress.com | February 21, 2017
Fannie Mae and Freddie Mac have launched a new loan modification program for troubled mortgages known as “Flex Modification.” The GSE’s have an issue with rising defaults and questionable paperwork and the Flex Modification allows them to modify the underlying defective “loan” and gloss over the false endorsements, assignments and chain of title issues. Brilliant!
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The FBI convicts a small time operator while the Big Banks continue their Crime Spree unabated
livinglies.wordpress.com | February 17, 2017
The FBI proudly announces they have convicted a California mortgage rescue operation but pays no attention to the fact that banks are continuing their unabated crime spree that way surpasses a small time mortgage rescue operation. The government has hard evidence that bank servicers are participating in criminal conduct that includes forging instruments, perjured affidavits, predatory servicing and modification scams and does nothing of impact to address the rampant fraud.
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Citigroup’s Crime Spree Against Americans Continues With Slaps on the Wrist
livinglies.wordpress.com | February 14, 2017
Last week, the Consumer Financial Protection Bureau (CFPB) charged two units of the Wall Street mega bank, Citigroup, with insidious fraudulent acts against homeowners while it imposed a modest $28.8 million in relief and penalties. The penalty portion of $7.4 million is meaningless because this is a bank that serially breaks the law, laughs at its regulators, and, most outrageously, it was simultaneously engaging in heinous misdeeds against Americans while the U.S. government was using taxpayer money to bail out its failed business model of brazen financial frauds. The $7.4 million in fines also stands in contrast to the $14.9 billion that Citigroup reported as net income for 2016.
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What is the CFPB and what does it offer consumers?
livinglies.wordpress.com | February 14, 2017
The new Presidential administration will soon dissect the Dodd-Frank Act, a group of regulations the Obama administration developed in response to the 2008 financial crisis. Some political analysts expect them to disband the Consumer Financial Protection Bureau (CFPB). So what exactly is it, and what does it do for consumers?
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Can you really call it a loan when the money came from a thief?
livinglies.wordpress.org | February 8, 2017
The banks were not taking risks. They were making risks and profiting from them. Or another way of looking at it is that with their superior knowledge they were neither taking nor making risks; instead they were creating the illusion of risk when the outcome was virtually certain.
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Trump’s Treasury pick says his bank didn’t ‘robo-sign.’ These court papers say it did.
thinkprogress.org | February 8, 2017
Before he was picked by President Trump to lead the Treasury Department, Steve Mnuchin ran a bank named OneWest, which foreclosed on tens of thousands of homeowners under his leadership. After his Senate hearing, he was asked specifically about the practice of robo-signing, which entails mortgage officials rapidly signing off on hundreds or thousands of foreclosure documents without verifying that the information is accurate or giving it a thorough review as required by law. Thus a bank can speed up the foreclosure process and, in some cases, get courts to let it take possession of a property with a full trial.
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THE BIGGER PICTURE: Foreclosure fight
fltimes.com | February 8, 2017
In 1998, Leanne Labadee bought a three-unit home on Ogden Street in Penn Yan for $75,000. The 50-year-old faithfully paid her mortgage every month, the majority of the time with money orders. She never missed a payment.
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RESCISSION: It’s time for another slap on the wrist for state and federal judges
livinglies.wordpress.org | February 6, 2017
50 years ago Congress decided to slap punitive measures on lenders who ignore or attempt to go around (table-funded loans) existing laws on required disclosures --- instead of creating a super agency that would review every loan closing before it could be consummated. So it made the punishment so severe that only the stupidest lenders would attempt to violate Federal law. That worked for a while --- until the era of securitization fail. (Adam Levitin's term for illusion under the cloak of false securitization).
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Are mortgage-backed securities backed by any guarantees?
tradebuddy.online.com | January 31, 2017
Actually, any mortgage-backed security (MBS) guarantee depends on who issued it. To review, an MBS is a security, created through the process of securitization, in which the underlying assets are loans made to individuals and companies who are using the funds to purchase buildings and homes. The mortgages are secured to the lender by the properties purchased by the borrowers and are often backed by some form of homeowners’ insurance. However, this insurance will only protect the issuer of the mortgages (mortgagee), and not the owners of an MBS that is issued using the same underlying mortgage. Therein lies part of the risk to MBS investors.
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TILA RESCISSION: Who Pays the Money?
livinglies.wordpress.com | January 31, 2017
The menu of items that are due to the borrower as a condition precedent to making a claim for repayment is expansive and frankly in many cases is equivalent or nearly equivalent to the total amount of the principal claimed as loan repayment.
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Federal Reserve Bankers Mocked Unemployed Americans Behind Closed Doors
theintercept.com | January 29, 2017
In 2011, unemployment was at a near crisis level. The jobless rate was stuck around 9 percent nationally, an unusually high number due to the continuing effects of the financial crash. House Democrats were aghast. “With almost five unemployed Americans for every job opening, too many people remain jobless because of a lack of work, not a lack of wanting to work,” said Congressman Lloyd Doggett, D-Tex. So in early November 2011, they introduced a bill to reauthorize Federal unemployment benefits, an insurance program designed to aide those looking for work.
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ServiceLink fined $65 million for LPS foreclosure deficiencies
housingwire.com | January 26, 2017
In 2011, Lender Processing Services was part of a massive settlement with the government over industry-wide foreclosure misconduct that occurred after the housing crash. That settlement stemmed from document missteps in the third-party foreclosure process at some very large banks and mortgage servicers in the aftermath of the subprime crisis.
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Mnuchin Lied About His Bank’s History of Robo-Signing Foreclosure Documents
theintercept.com | January 26, 2017
Treasury secretary nominee Steven Mnuchin lied in his written responses to the Senate Finance Committee, claiming that “OneWest Bank did not ‘robo-sign’ documents,” when ample evidence proves that they did. Mnuchin ran OneWest Bank from 2009 to 2015 in a manner so ruthless to mortgage holders that he has been dubbed the “Foreclosure King” by his critics.
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Citi Plan to Force foreclosures Exposed and Fined $29 Million
livinglies.wordpress.org | January 25, 2017
This is one instance in which the industry practice of tricking borrowers into foreclosure becomes crystal clear. The case is also instructive on the terms of so-called "modifications." The goal in all instances is to use every means at their disposal to trick the borrower into waiving rights and falling into the abyss of foreclosure without any appropriate disclosures.
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CHECKLIST — FDCPA Damages and Recovery: Revisiting the Montana S Ct Decision in Jacobson v Bayview
livinglies.wordpress.org | January 20, 2017
What is unique and instructive about this decision from the Montana Supreme Court is that it gives details of each and every fraudulent, wrongful and otherwise illegal acts that were committed by a self-proclaimed servicer and the "defective" trustee on the deed of trust. You need to read the case to see how many different times the same court in the same case awarded damages, attorney fees and sanctions against Bayview who persisted in their behavior even after the judgment was entered.
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Western Union to Pay $586 Million in US Fraud Settlement
databreachtoday.com | January 20, 2017
Western Union will pay $586 million to settle U.S. civil and criminal cases that alleged the company turned a blind eye for years to criminals who used its money transfer network to commit fraud. In one of the most serious accusations, the Department of Justice alleged that Western Union knew for at least five years that its agents were accommodating funds transfers connected with human smuggling.
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Moody’s Settlement with SEC Does Nothing for Homeowners
livinglies.wordpress.org | January 20, 2017
These settlements are a slap in the face to homeowners who were forced into battle with an over-reaching enemy supported by the government. We have acknowledgements of wrongdoing here by Moody's with respect to injury suffered by investors. But if the homeowners were not signing the false documents (the "loan contract") there would have been no "loans" and there would be no "derivatives", i.e., "securities" deriving their value from inactive or nonexistent trusts who issued certificates masked as "mortgage bonds."
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Harmed by Navient? What student loan borrowers need to know
usatoday.com | January 20, 2017
The U.S. Consumer Financial Protection Bureau is suing Navient Corp., the nation’s largest student loan servicer, accusing it of “systematically and illegally failing borrowers at every stage of repayment,” according to a press release Wednesday. The CFPB is asking Navient to compensate the borrowers the agency says were harmed.
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True Costs Of Foreclosure, Property Abandonment Extend Across Neighborhoods And Communities
finance.yahoo.com | January 17, 2017
CLEVELAND, Jan. 17, 2017 /PRNewswire/ -- A groundbreaking analysis of the true costs associated with the nation's housing crisis quantifies for the first time the substantial and numerous impacts foreclosures and vacant and abandoned properties have on homeowners and their communities. Even based on conservative estimates, the typical foreclosed home imposes costs of more than $170,000, according to a study commissioned by Community Blight Solutions and its Founder & Chairman, Robert Klein.
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Lawsuit Seeking Disgorgement Might Not Be Barred by Statute of Limitations
livinglies.wordpress..com | January 15, 2017
What is apparent here is that the Courts are coming to terms with the possibility that those relying upon a statute of limitation as a defense to various claims might NOT be protected by an otherwise applicable statute of limitations. The premise enunciated in a decision that seeks affirmation from the U.S. Supreme Court, is that disgorgement is not monetary damages or a penalty. It is an equitable finding that a party has been unjustly enriched and therefore has no present right to hold onto ill-gotten gains. The decision could result in elimination of the statute of limitations as a defense for the banks.
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California Attorney General's Office Announces $150 Million Settlement with Financial Services Company Moody's For Inflating Mortgage-Backed Securities Ratings
highlandnews.net | January 15, 2017
LOS ANGELES – Acting Attorney General Kathleen A. Kenealy, along with the U.S. Department of Justice and the attorneys general of 20 other states and the District of Columbia, today announced an $863.8 million settlement with Moody's Corporation (Moody's), a business and financial services company, to resolve federal and state civil claims related to the company’s misconduct in inflating ratings of residential mortgage-backed securities.
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Chase-WAMU Letter Reveals "Expungement" and "Assignments" of Alleged Mortgages Not on the Books and Records of WAMU
livinglies.wordpress..com | January 11, 2017
There is an old saying on Wall Street that "Bulls make money, Bears make money but Pigs never do." The obvious circumstances of Chase claiming ownership to nonexistent loan portfolios contained within WAMU coupled with the admission in this letter to the FDIC, shows just how arrogant Chase felt when they informed the FDIC that they wanted to get paid by the FDIC for expunging documents and fabricating other instruments for "loans" that were not on the books and records of WAMU at the time of their purchase and sale agreement wherein Chase acquired the WAMU estate.
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MERS/GMAC Note and Mortgage Discharged
livinglies.wordpress..com | January 10, 2017
If only all courts would entertain the possibility that everything presented to them should be the subject of intense scrutiny, 90%+ of all foreclosures would have been eliminated. Imagine what the country would look like today if the mortgages and fraudulent foreclosures failed.
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Steve Mnuchin’s Bank 'Robo-Signed' 6,000 Foreclosures a Week
forward.com | January 7, 2017
Steve Mnuchin’s financial skeletons could come back to haunt him as he tries to win confirmation as President-elect Donald Trump’s Secretary of the Treasury. A leaked memo from the California Attorney General’s office that alleges his bank routinely violated the state’s laws in foreclosing on homes.
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Fannie Mae Announces New Foreclosure Prevention Program
fanniemae.com | January 7, 2017
WASHINGTON, DC – Fannie Mae (FNMA/OTC) announced today its Flex Modification foreclosure prevention program, which is designed to help America’s families by offering reductions to their monthly mortgage payments. The Flex Modification leverages components of Fannie Mae’s Home Affordable Modification Program (HAMP®), which is set to expire at the end of this year, and the Fannie Mae Standard and Streamlined Modifications, which will be replaced by the Flex Modification in late 2017.
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Breaking News Archive

 

Letters From The Editor

Navient lawsuit: what student loan borrowers need to know
huffingtonpost.com | February 12, 2017
The U.S. Consumer Financial Protection Bureau is suing Navient Corp., the nation’s largest student loan servicer, accusing it of “systematically and illegally failing borrowers at every stage of repayment,” according to a press release from January 18. The CFPB is asking Navient to compensate the borrowers the agency says were harmed.
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David Collins v. Paul Financial, LLC, et al
February 12, 2017
Please find notice of a hearing to be held in the Los Angeles County Superior Court at Burbank on February 24th at 10:30 AM. I urge you all to attend and to bring family, friends, foreclosure victims, advocates and anyone you can think of to pack the courtroom.
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MARCIA SWIFT beats ANDY BEAL - We won our motion in Federal Court against Beal
January 29, 2017
BIG WIN for homeowner against the almighty BILLIONAIRE ANDY BEAL. This case labels ANDY BEAL's SECOND SUIT in federal court against the homeowner (while state ct case is still pending) was VEXATIOUS AND CONTRIVED.
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The Return of Non-Prime U.S. RMBS (What Investors Need to Know)
fitchratings.com | January 25, 2017
A new non-prime mortgage market is beginning to emerge in the U.S., almost 10 years after the subprime and Alt-A mortgage markets shut down amid dramatic underperformance. Fitch Ratings expects a notable increase in newly originated non-prime RMBS activity in 2017, though on a significantly smaller scale and with a higher credit quality than pre-crisis origination volume.
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Databank of CHF (JPMC) Robo-signers in California
December 7, 2016
ATTENTION CALIFORNIA HOMEOWNERS!!!!!!!! Are you a current, or were you California homeowner (between 2004 and present)? Was CHASE “HOME FINANCE, LLC” (“CHF”) now known as “JP MORGAN CHASE, N.A. (“JPMC”)” your lender, or loan servicer, or trust’s trustee? Did you receive any assignment(s) and/or substitution(s) of trustee from any source while CHF was the lender, or servicer, or the trust’s trustee?
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CFPB increases foreclosure protections
journal.firsttuesday.us | November 22, 2016
The Consumer Financial Protection Bureau (CFPB) has released new rules for mortgage servicers to follow when responding to mortgage delinquencies and pursuing foreclosure. Beginning October 19, 2017, mortgage servicers are to offer homeowners foreclosure protections more than once if the need for protection arises numerous times.
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New tool searches judge stats | Artificial intelligence predicts case outcomes | Cybersecurity insurance a 'must have'
October 26, 2016
This Month's Featured Technology Stories - ABA Journal Tech Monthly
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More legislation to help the BANKING CARTEL
October 25, 2016
For nonjudicial foreclosures which are resolved (e.g., reinstatement, foreclosure alternative, etc.) after the notice of default (NOD) is recorded, but before posting the notice of trustee’s sale (NOTS), the maximum base trustee’s fee has been increased.
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Did you ever wonder why YOU VICTIMS got checks for $100 for restitution from the banking cartel settlements with CORRUPT DOJ?
judicialwatch.org | October 25, 2016
The Department of Justice (DOJ) keeps giving radical leftist groups that support President Obama huge amounts of cash collected from big banks to settle discrimination and mortgage abuse lawsuits filed by the government.
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Latest Case on TILA RESCISSION NOTE: Disagreement Among Circuits Perhaps Ripe for USSC Review Remanded
justia.com | October 20, 2016
After plaintiff began missing loan payments on a house she bought in Long Beach, ReconTrust initiated a non-judicial foreclosure. In this case, the lender was Countrywide, the borrower was plaintiff and the trustee was ReconTrust. Plaintiff subsequently filed suit alleging that ReconTrust violated the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692e(2)(A), by sending her notices that misrepresented the amount of debt she owed.
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Consumer Financial Protection Bureau structure ruled unconstitutional
usatoday.com | October 12, 2016
A federal appeals court Tuesday declared the structure of the federal Consumer Financial Protection Bureau unconstitutional, a decision that marks a major setback for one of the signature safeguards created after the U.S. financial crisis.
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Must Always Allege Damages and Specifically How You Were Harmed
justia.com | October 7, 2016
Here, borrower should have alleged "cloud on title" impairs his ability to market the home for sale.
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Judge rejected in its entirety the government's argument to hide Fannie & Freddie docs (follow-up)
October 7, 2016
This document may help explain why no one has been convicted of a crime in the mortgage scandal.
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Letters From The Editor Complete Article Listing

 

Products, Services & Training Classes

"Chase agreed to settle for only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again."
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CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.

CFLA.com and CFLA Training Academy are professional auditing firms as well as the Nation's Leading Experts in Mortgage Securitization and Training. Certified Forensic Loan Auditors is a nationally recognized leader in the Foreclosure Defense Industry.

Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii. Bankruptcy Practice, Foreclosure Defense Strategies, Principal Reductions through Strategic Litigation, Mortgage Securitization in Litigation, and the Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Patricia Rodriguez, Esq; John Fretz, Esq; Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Charles Christmas, Esq; Timothy O’Reilly, Esq.; Amar Gupta, Esq.; and others.

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CFLA is the recognized leader throughout the U.S. as experts in Mortgage Securitization and Training. As founders and creators of this industry, we have long set the bar for expectations of a Auditing Company. Our experienced staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory Lending, Mortgage Fraud and Securitzaiton Fraud.

 

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In 2007, CFLA was founded by the Nation’s Leading Foreclosure Defense Attorneys to serve the Foreclosure Defense Industry and fight pervasive Bank Fraud and Institutional Fraud. CFLA united some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA—the foremost, nationally recognized legal brand for law firms, attorneys, and small business across the United States. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. As the company continues to grow, we continue to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea—it's our founding principle.

Call us today to obtain samples of work product, including Bloomberg Securitization Audits, Litigation Support, Quiet Title Packages, and to get more information about our Nationally Accredited and Industry Acclaimed Forensic Loan Analyst Training Certification Classes (3 days). The Nation’s Only Certification Training Class for Analyts in this industry!

 

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NEW CASE: Glaski Securitization Audits Can Prove Wrongful Foreclosure in California
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Mortgage Securitization Analyst Training
Certified Forensic Loan Auditors, LLC. has created a complete training certification program entitled: Mortgage Securitization Analyst "MSA"- A 20-hour in-person intensive seminar held across the country.
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"To simply assert mortgage fraud is one thing. But to provide the evidence that will stand up in court is another. CFLA has done an excellent job providing home owners and legal professionals the necessary & essential tools to prove a case on behalf of home owners. I have observed the growth and development of CFLA over the last several years. I am grateful for the dedication and commitment to excellence demonstrated by Andrew Lehman, the founder and chairman of CFLA and his network of legal professionals. Whether you are challenged with debt or wanting to help those who are, CFLA provides the clear and simple learning that empowers you with a new perspective & alternative remedies."
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Mortgage Securitization Auditors, trained by CFLA, have been admitted as Expert Witnesses in nearly every jurisdiction nationwide and have a minimum of 10 years of industry related experience, 40 Hours of Classroom Training on Mortgage Securitization, and have been certified through our Nationally Recognized “Mortgage Securitization Analyst Training Certification Class.”
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DVD Sets Only $99

 

FREE Mortgage Fraud Analysis

 

Affiliate Services

 

CFLA Sponsored Attorney Links

 

Take-Home Education Package

 

ALB Law Firm

 

Advocate Legal

 

The True News Network

 

Sutton Law Firm, P.L.L.C.

 

Rubenstein Business Law

 

Atighechi Law Group

 

Scunziano & Associates

 

Get Certified to Perform Mortgage Securitization Audits

 

CFLA Training Academy

 

Expert Witness Services

 

Cutting Edge Expert Securitization Reports

 

CFLA Credit Cards

 

Breaking News

 

Letters to the Editor

 

CFLA Weekly Newsletters

 

Code of Ethics

 

Testimonials

 

Instructional Videos

 

Job Opportunities

 

License Opportunities

 

MARS Rule

 

Product Samples

 

Resource Links

 

Servicer Information

 

Foreclosure Laws

 

REST Report

 

Quiet Title Packages from Licensed Attorneys

 

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Advertising Space: Mortgage Securitization, Quiet Title

 

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Certified Forensic Loan Auditors, LLC
13101 West Washington Blvd.
Suite 444
Los Angeles, CA 90066

Phone: 832-932-3951
Toll Free: 888-758-CFLA (2352)
Mobile Users: CLICK TO CALL
info@certifiedforensicloanauditors.com


 

 
 

CFLA IS NOT A LAW FIRM AND DOES NOT PROVIDE ANY LEGAL ADVICE. CFLA DOES NOT OFFER FORECLOSURE CONSULTING OR FORECLOSURE RELIEF
SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA
DOES NOT CHARGE OR OBTAIN REFERRALS FEES FOR THESE SERVICES. SERVICES NOT OFFERED TO RESIDENTS OF THE STATE OF NEVADA.

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