Certified Forensic
Loan Auditors
Newsletter & Industry Update
April 13, 2015
Breaking News
Estero retiree suing bank after surprise foreclosure
washingtonpost.com | April 11, 2015
A business that calls alone Prosperity Training allegedly taught various economically distressed owners an unlawful and expensive lesson, charging hefty upfront fees for home loan relief providers under no circumstances rendered, when advising actions that still left some dealing with foreclosures.
Read more
FHFA, Nomura Trial Over Mortgage-Backed Securities Winding Down
themreport.com | April 11, 2015
The court battle between the Federal Housing Finance Agency (FHFA) and Nomura Holdings is nearing a climax after three weeks, as both sides presented closing arguments on Thursday.
Read more
FTC: Fraud promised mortgage loan reduction, did opposite
eaglecurrent.com | April 11, 2015
A business that calls alone Prosperity Training allegedly taught various economically distressed owners an unlawful and expensive lesson, charging hefty upfront fees for home loan relief providers under no circumstances rendered, when advising actions that still left some dealing with foreclosures.
Read more
Foreclosure risk for 1,300 unless homeowners make deal soon
silive.com | April 11, 2015
STATEN ISLAND, N.Y. -- Next month, the city will sell unpaid and long-overdue property tax, water-sewer charges, and other liens that have accumulated on almost 1,300 Staten Island single-family homes, co-ops and condominiums -- unless the owners pay the debts or enter into payment agreements no later than May 14.
Read more
From Robo-signing to e-Signing: The Future of Mortgaging
raleighnewstoday.com | April 11, 2015
Several days ago, the New York Times published a rundown on startups who are looking to digitalize and streamline the mortgage underwriting process, with the aim of putting loans into the hands of information savvy Millennials. Starting small but growing fast, the startups profiled aim to take digitalize mortgaging, allowing loan seekers the experience of getting loans from anywhere, anytime, with ease.
Read more
Learn about RECAP to avoid charges downloading docs from PACER
April 11, 2015
You do not have to be a lawyer to have a PACER account to look at US cases and download docs from other files in federal court and bankruptcy court.
Read more
Procedure to get a free PACER account to download docs on federal and bankruptcy cases
April 11, 2015
To obtain a free PACER (Public Access to Court Electronic Records) account for use in your CJA cases, follow this procedure.
Read more
VERY IMPORTANT DEBT COLLECTION CASE! Third Circuit?Court FOUND STRICT LIABILITY on debt collectors who use "false, deceptive, or misleading representation"
April 11, 2015
Cite this case; file summary judgment on strict liability issue submit affidavits of "false, misleading, deceptive" representations, attaching those docs to your affidavit and "authenticating" them by testifying that you "received them" by mail on ____date.
Read more
Dan Benham's Counter Claim to Bank
April 11, 2015
Please proof-read this counter claim (PDF) before implementing. Click here to listen to Foreclosure, Rod's class.
Read more
Foreclosure Starts Leveling Off After Spiking to Start 2015
dsnews.com | April 8, 2015
Foreclosure starts dropped off by 15 percent according to Black Knight Financial Services' February 2015 Mortgage Monitor released earlier this week, almost reversing the spike they experienced in January ? indicating that foreclosure starts may be leveling off and even nearing pre-recession numbers.
Read more
AIG sued for "misleading investors" in security fraud
ibamag.com | April 8, 2015
The fallout from the 2008 financial crisis continues to follow American International Group. Pacific Investment Management Co. has filed a suit against AIG seeking remuneration for misleading investors about ?colossal? losses related to unregulated credit-default swaps and subprime debt prior o 2008.
Read more
Banks Moving on State Legislatures to Allow Wrongful Foreclosures
livinglies.wordpress.com | April 8, 2015
I have been getting reports from across the country that the Banks are lobbying for legislation, written by the Banks, to prevent states from bringing civil or criminal actions against banks and servicers bringing wrongful foreclosures. In short, they want to reverse the consent orders and settlements in which they promised to ?review? and make sure that the right party was initiating foreclosure and was alleging true facts. All that might be undone if the Banks succeed in this new legislative push.
Read more
How and Why Your Mortgage is Nothing More than Legal Fiction
adventuresintosovereignty.org | April 5, 2015
The United States Corporate Government turned you, a live person, into property and chattel with your birth certificate and they made millions off of you! They own your home and any and all property you think is yours and they own YOU ? your very body ? and your children.
Read more
Real Estate Fraud Report - Hundreds of Cases to Ruin Easter & Passover
activerain.trulia.com | April 5, 2015
Read more
Morgan Stanley Reaches $2.6 Billion Settlement Over Mortgage-Backed Securities
nbc-2.com | April 1, 2015
The bank said it had reached a preliminary agreement with the Justice Department today. Morgan Stanley, one of two remaining large independent investment banks, said today that it had reached a preliminary $2.6 billion settlement with the Justice Department over its dealings with mortgage-backed securities before the financial crisis.
Read more
Foreclosure to Home Free, as 5-Year Clock Expires
nytimes.com | March 31, 2015
MIAMI ? In September, Susan Rodolfi celebrated an unusual anniversary: five years of missed mortgage payments. She is like a ghost of the housing market?s painful past, one of thousands of Americans who have skipped years of mortgage payments and are still living in their homes.
Read more
CFLA Announces "Learn How to a Perform Mortgage Securitization Audit" Brooklyn, NY; April 24-26, 2015
pr.com | March 27, 2015
CFLA, Inc has created a comprehensive training certification program entitled: Mortgage Securitization Auditor "MSA"- A 24-hour in-person intensive seminar held across the country. Brooklyn, NY, March 27, 2015 --(PR.com)-- Register Online: www.cfla.com or call toll free: 888-758-CFLA (2352).
Read more
Hurting Homeowners Say Bank Settlement Funds Belong with Them
gothamgazette.com | March 26, 2015
More than two years on and David Velez's battle with Hurricane Sandy is far from over. But, thanks to some help from the Attorney General's office, Velez's fight with his mortgage lender may soon be coming to an end. The first floor of the retired NYPD officer's home in Gerritsen Beach, Brooklyn was destroyed by flooding during the hurricane, and without help from insurance he and his wife used their savings to rebuild.
Read more
John Cupis: Things are looking up for self-employed mortgage applicants
moneymarketing.co.uk | March 26, 2015
Being self-employed post-MMR feels like a bad place to be and the situation is worsening. According to the Bank of England, 15 per cent of the UK workforce is now self-employed, while self-employment has accounted for over a third of the overall increase in UK employment since the recession: around 600,000 people.
Read more
Servicers in DOJ's Crosshairs Following JPM Robo-Signing Settlement
nationalmortgagenews.com | March 26, 2015
Mortgage servicers were supposed to have stopped robo-signing foreclosure documents when state and federal authorities cracked down on the practice years ago, but it seems some have not learned their lesson.
Read more
Breaking News Archive
Letters From The Editor
Learn about RECAP to avoid charges downloading docs from PACER
April 11, 2015
You do not have to be a lawyer to have a PACER account to look at US cases and download docs from other files in federal court and bankruptcy court.
Read more
Procedure to get a free PACER account to download docs on federal and bankruptcy cases
April 11, 2015
To obtain a free PACER (Public Access to Court Electronic Records) account for use in your CJA cases, follow this procedure.
Read more
VERY IMPORTANT DEBT COLLECTION CASE! Third Circuit?Court FOUND STRICT LIABILITY on debt collectors who use "false, deceptive, or misleading representation"
April 11, 2015
Cite this case; file summary judgment on strict liability issue submit affidavits of "false, misleading, deceptive" representations, attaching those docs to your affidavit and "authenticating" them by testifying that you "received them" by mail on ____date.
Read more
Dan Benham's Counter Claim to Bank
April 11, 2015
Please proof-read this counter claim (PDF) before implementing. Click here to listen to Foreclosure, Rod's class.
Read more
Banks Moving on State Legislatures to Allow Wrongful Foreclosures
livinglies.wordpress.com | April 8, 2015
I have been getting reports from across the country that the Banks are lobbying for legislation, written by the Banks, to prevent states from bringing civil or criminal actions against banks and servicers bringing wrongful foreclosures. In short, they want to reverse the consent orders and settlements in which they promised to ?review? and make sure that the right party was initiating foreclosure and was alleging true facts. All that might be undone if the Banks succeed in this new legislative push.
Read more
Bank of America whistle-blower?s bombshell: We were told to lie
salon.com | April 1, 2015
Bank of America?s mortgage servicing unit systematically lied to homeowners, fraudulently denied loan modifications, and paid their staff bonuses for deliberately pushing people into foreclosure: Yes, these allegations were suspected by any homeowner who ever had to deal with the bank to try to get a loan modification ? but now they come from six former employees and one contractor, whose sworn statements were added last week to a civil lawsuit filed in federal court in Massachusetts.
Read more
U.S. Trustee Program Reaches $50 Million Settlement with JPMorgan Chase to Protect Homeowners in Bankruptcy
justice.gov | April 1, 2015
The Department of Justice?s U.S. Trustee Program (USTP) has entered into a national settlement agreement with JPMorgan Chase Bank N.A. (Chase) requiring Chase to pay more than $50 million, including cash payments, mortgage loan credits and loan forgiveness, to over 25,000 homeowners who are or were in bankruptcy. Chase will also change internal operations and submit to oversight by an independent compliance reviewer. The proposed settlement has been filed in the U.S. Bankruptcy Court for the Eastern District of Michigan, where it is subject to court approval.
Read more
The Truth in Lending Act and Rescission: Lessons Learned by Lenders from Jesinoski v. Countrywide
natlawreview.com | April 1, 2015
The Supreme Court just made mortgage rescission a little bit easier for borrowers and scarier for lenders in Jesinoski v. Countrywide Home Loans. Under the Truth in Lending Act, 15 U.S.C. ?1601-1677 (?TILA?), mortgage lenders are required to disclose the rights of obligors and other material disclosures to borrowers. Borrowers have a right of rescission for three days from the transaction or until the disclosures are made, up to three years after the transaction. The borrower must give notice to the lender of his or her exercise of the right to rescind within those time periods.
Read more
New Bank of America whistle-blower emerges: More customer abuse secrets
salon.com | April 1, 2015
Last week, I detailed bombshell revelations from Bank of America whistle-blowers, in which former employees of the bank detailed systematic fraud and deceptive practices inside their loan modification department ? including bonuses and Target gift cards for staff who racked up foreclosures.
Read more
Wells Wins in Second Circuit Court Appeal Boyce Loses Home in SB
justia.com | March 27, 2015
The Boyces signed a $1.155 million promissory note payable to Pacific Mortgage, secured by a deed of trust on their Santa Barbara house. Pacific Mortgage endorsed the note to Option One, which endorsed the note in blank and put it in a mortgage investment pool, of which Wells Fargo was trustee.
Read more
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Student Testimonials
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CFLA Sponsored Advertising
Products & Services Available
Complete Quiet Title Package
CFLA is offering attorneys the Complete Quiet Title Package and Bloomberg Securitization Audit for purchase online. Please see details and pricing below.
CFLA Explains Complete Quiet Title Package
Please fill out the attached forms and return to our office for processing.
Audit Submission Form
Credit Card Authorization Form
CFLA's "Quiet Title Package" is cutting edge work product developed by the Nation's Most Well Respected Attorneys in the Foreclosure Defense industry.
*THIS IS A COMPLETE TURN-KEY LAWSUIT TO SUE YOUR LENDER FOR DAMAGES, including Rescission, monetary damages, attorneys fees, and costs. This Complete sytem works both Pre-Foreclosure, During Foreclosure, or Post_Foreclosure.
Don't let the Bank Take Your Home, You Have a Fighting Chance!!!!
The Quiet Title Package includes all of the Following...
(1) Bloomberg Securitization Audit
CFLA has pioneered research and development of the Mortgage Securitization Audit and Full Bloomberg Securitization Audit, utilizing ABS NET and the Bloomberg Terminal. This cutting edge service includes (1) Identification of the Trust Vehicles claiming ownership of your mortgage through the Securities & Exchange Commission (S.E.C.), (2) Full Screenshots of the Identified Trust showing active trading data, loan modification data, remics, whether it has been sol, how many times, whether credit default swap insurance has been purchased and by whom, (3) a Full Chain of Title Analysis C.O.T.A., (4) Full Robosigner Analysis, (5) FRAUD Analysis, (6) Analysis of the Assignments and Transfers, (7) All publicly Recorded Documents, (8) Copy of the Pooling & Servicing Agreement (PSA) and/or Prospectus Supplement, and (9) A Court Ready Expert Witness Affidavit attesting to the finding of fact; this full 9 Point Audit Report is the most advanced Audit Report on Residential Mortgages in Existance, and brought to you by the Founders of this Industry, Attorney Owned & operated, and A+ Rated with the Better Business Bureau.
Download Sample Bloomberg Property Securitization Analysis
(2) Civil Complaint to QUIET TITLE & for other Relief
The Complaint package includes a Civil Complaint that is Jurisdictional Specific, and can be tailored to work on a Federal Level. This TURN-KEY Lawsuit to sue your lender will include 12-15 different causes of action all with specifica and actionable claims that have remedies as against the lender... The Temporary Restraining order is designed STOP A SALE IMMEDIATELY to give the attorney time to fight the bank in favor of the Homeowner and the Lis Pendens will cloud the title, making it very difficult for the bank to take possession of the home and re-sell it, so a solution can be reached in favor of the Homeowners.
Download Sample Complaint / Petition
(3) Temporary Restraining Order to Stop the Sale
Download Sample TRO
(4) Lis Pendens to "Cloud Marketability of Title"
*This Litigation support service is tailor made for the specifications of each Attorney, and is drafted by Competent and Qualified Attorney with Factual Specific Allegations tailored for each client, ready to be signed by the Attorney and filed.
CFLA has trained more than 1,000 Attorneys and Real Estate professionals on Mortgage Securitization since 2007, and is widely recognized as the Industry Leaders.
CFLA is Attorney Owned and Operated since 2007, and has an A+ rating with the Better Business Bureau.
Must Call today to get special offer at 888-758-CFLA (2352)
Download Sample Lis Pendens
Testimonials
My wife and I would like to thank you for the wonderful work you've done submitting the loan modification to ocwen on our behalf, we have been wrestling with them for so long and we were getting no where and in fear of losing our home. After you suggested I called them to find out what the status of our loan modification was, they told us over the phone that we were eligible for a Sam [Shared Appreciation Modification) they reduced our principle from $736,579.75 to $513,950.00 our interest rate went from 4.25% to 2.00% our monthly mortgage payment went from $3467.83 interest only to $2354.82 principle interest taxes and insurance included, our interest only loan was changed to a 22 year conventional fixed rate loan at 2.00%. This is good news, we could not be more grateful for the work you put into the modification. In addition; the difference between the original principle including penalties and interest and the new principal balance of $513,950 was $476,732.99 which they agreed to waive off 1/3 of that amount each year for three years as long as I remain current on my payments, at the end of that time the debt would not exist. They also told me that notification had gone out to their attorneys to stop the foreclosure proceedings, which was pending a sale date as you know. My wife and l are still in shock we wanted to see everything in writing and they told me over the phone tracking indicated that the package had been delivered to my address and it was already in the mailbox. I?m sending you copies of everything for you to look over This was a great deal you got us Steven there's more I can?t put in writing. Well Done this is a big step for us to be able to stay in our home.
?Anthony and Karen Boone
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I just wanted to thank you for the great job on the affidavit that you wrote with our Bloomberg Audit. We had a sale date today 10-22-13 and yesterday our attorney presented a complaint with the affidavit referenced to the judge to do an injunction and he read it for only a few minutes and stopped the sale. We are proceeding to a hearing at a future date. We are in Wyoming and I don't believe they have ever seen anything like this against the banks. We have friends who now want a securitization audit and I am going to talk them into a Bloomberg audit. Thank you again.
?Susan Cacho
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Hello, you did a securitization audit for me in 2014. Guess what? Chase agreed to settle for 11k, which was 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. Dave
?David Schaar
Our Bloomberg securitization audit is one of the services we specialize in and receive many attorney requests for. This type of audit is among the first important steps in determining the securitization of a loan and by whom, and our staff are expert and very experienced in this research process. A Bloomberg securitization audit from CFLA can be a vital tool in an attorney?s or homeowner?s foreclosure defense and litigation brought against lenders. Call us today to talk about your needs.
Securitization Analysis
CFLA Explains Level III Bloomberg Report
Download Sample Complaint / Petition
Download Sample Bloomberg Property Securitization Analysis
Our report will include the following:
- Loan Recording at county, governmental housing reporting agencies and financial reporting services
- Deed Recording and Transfers
- Verification that Assignees on Promissory Note is True and Correct
- Information Identifying ?True? beneficial Interest as per Promissory Note
- Disclosures and Sufficiency of Information as per UCC
- Securitized Trust Verification
- Pooling and Servicing Agreement governing the Trust that holds your Note
- CUSIP ? Identifying the Trust Account
- Trust Prospectus filed with the Securities and Exchange Commission
- Identification of the Servicers; Originators; Trustees and Underwriters
- Details of Bond Performance ? Transactional up-to-date information
- Periodic Reporting of Loan Performance in Securitized Trust
- Client Specific Information ? (special requests)
CFLA is a subscriber of Bloomberg and uses the latest search for Non-Agency residential loans by characteristic. Either Loan Number or Original Amount that are provided to perform a search to verify that the loan is inside the Securitized Trust.
Our Bloomberg Report Will Include the Following Documents
(click pictures to enlarge)
Non-Agency Mortgage Loan Find (LFND)
The name of the Securitized Trust, the loan number, and group it belongs to:
The number of classes (tranches) and group status (active or paid):
The loan level data will identify that the loan is inside the securitized trust:
The Security Description of Trust will identify the current ratings, current amount of the class, CUSIP number, and the Trustee and Lead Manager:
The Collateral Composition page will identify the Originator:
Identifies the Distribution payments for loans that are Delinquent, Foreclosure, Bankruptcy or REO:
Identifies the performance of the Trust and shows the percentage of problem loans:
Prospectus filing for references:
New Products
DVDs
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Principal Reductions Through Strategic Litigation- Under Homeowner Bill of Rights (CA) III with Patricia Rodriguez, Esq. San Diego, CA - April 5, 2014 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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How to Cancel Secured and Unsecured Debt Obligations Through Strategic Litigation
with Jeffrey C Jackson, Esq. New York, NY - February 7, 2014 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Foreclosure Defense Post GLASKI & SB900
with Patricia Rodriguez, Esq Los Angeles, CA - November 23, 2013 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Foreclosure Defense Seminar
with Chad Elrod, Esq. and Jeff Jackson, Esq. Miami, FL - May 4, 2013 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Quiet Title Kings Tour
with Anthony P. Vigna, Esq., Chad Elrod, Esq. and Jeff Jackson, Esq. New York, NY - March 30, 2013 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Contract Litigation and UCC
with Chad Elrod, Esq. and Jeff Jackson, Esq. Dallas, TX - February 16, 2013 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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SB-900 Homeowner Bill of Rights
with Patricia Rodriguez, Esq. and Chad Elrod, Esq. Los Angeles, CA - January 19, 2013 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Achieving Principle Reductions with Lenders by Creating Leverage
with Divina Westerfield, Esq., Oliver Hull, Esq., and Andrew Lehman, J.D. New York, NY - June 30, 2012 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Mortgage Securitization Auditor Training Class
with Timothy L. O'Reilly, Esq. Las Vegas, NV - April 20-22, 2012 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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with Charles W. Christmas, Jr., Esq. Arun Gupta, Esq. and Charles Powell, Esq. Las Vegas, NV - March 31, 2012 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Quiet Title Workshop
with Regis P Sauger Atlanta, GA - February 11, 2012 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Mortgage Securitization and Quiet Title II
with Patricia Rodriguez, Esq. Las Vegas, NV - January 7, 2012 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Mortgage Securitization and Quiet Title I
with Patricia Rodriguez, Esq. Los Angeles, CA - Sept 10, 2011 ORDER DVD ONLY $99.00 (plus $9.95 Shipping & Handling) |
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Bloomberg Terminal Training with Billy F. Bowles
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Study-at-Home Education Package
Entire Education Package
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?Study at Home ?Education Package Includes More Than 60 Hours of State Bar Approved Study on Mortgage Securitization in each of the following jurisdictions: CA, NV, TX, FL, NY, GA .?
Learn Cutting Edge Foreclosure Defense Secrets and ?How to Litigate Quiet Title Claims, in State & Federal Court, as well as how to utilize cutting edge ?Mortgage Securitization in Advanced Litigation to Achieve Principle Reductions.?
The Complete Attorney Education Package will include State Bar Approved Instruction in all of the following States:
CALIFORNIA, NEVADA, TEXAS, FLORIDA, GEORGIA, and NEW YORK
The More than 50 hours of STATE BAR APPROVED video instruction included with this package.
Every package will include each of the following:
- 6hr DVD- "Securitization in Litigation MCLE" (CALIFORNIA BAR)
Taught by Timothy O?Reilly, Esq. and Patricia Rodriguez, Esq.
(recorded on 09/10/11 in Los Angeles, CA)
- 6hr DVD- "Mortgage Securitization MCLE" (NEVADA BAR)
Taught by Patricia Rodriguez, Esq
(recorded on 01/07/12 in Las Vegas, NV)
- 7hr DVD- "Quiet Title MCLE" (GEORGIA BAR)
Taught by Regis Sauger
(recorded on 02/11/12 in Atlanta, GA)
- 7hr DVD- "Foreclosure Defense Using Bankruptcy MCLE" (NEVADA BAR)
Taught by Charles Christmas, Esq.
(recorded on 03/31/12 in Las Vegas, NV)
- 4hr DVD- "Mortgage Securitization Auditor Training Class" (CALIFORNIA BAR)
Taught by Timothy O?Reilly, Esq on 04/22/12
- 7hr DVD- ?Achieving Principal Reductions While Creating Leverage With Banks? (NEW YORK BAR)
Taught by Divina Westerfield, Esq
(recorded on 06/30/12 in New York, NY)
- 2hr DVD- "SB-900 Homeowner Bill of Rights" (CALIFORNIA BAR)
Taught by Patricia Rodriguez, Esq
(recorded on 01/19/13 in Los Angeles, CA)
- 6hr DVD- "Contract Litigation and UCC" (TEXAS BAR)
Taught by Chad Elrod, Esq and Jeffery Jackson, Esq
(recorded on 02/16/13 in Dallas, TX)
- 6hr DVD- "Quiet Title Kings Tour" (NEW YORK BAR)
with Chad Elrod, Esq., John P. Fretz, Esq. and Andrew Lehman, J.D.
(recorded on 09/07/13 in Brooklyn, NY)
- 6hr DVD- "Foreclosure Defense Seminar " (FLORIDA BAR)
Taught by Chad Elrod, Esq. and Jeff Jackson, Esq.
(recorded on 05/04/13 in Miami, FL)
- 6hr DVD- "Foreclosure Defense Post GLASKI & SB900" (CALIFORNIA BAR)
Taught by Patricia Rodriguez, Esq
(recorded on 11/23/13 in Los Angeles, CA)
- 2hr DVD- HOW TO USE THE BLOOMBERG TERMINAL for Securitization Audits
Presented by Billy Bowles on 04/25/12
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