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Banks are not above the law, but they will try to operate as if they are. Here’s the latest: Bank of America has claimed that a couple from Indiana really doesn’t have a case against them for robo-signed foreclosure documents. Why? Because the family, according to BofA, didn’t try to do anything to stop the foreclosure, thus they can’t prove the bank “harmed” them. Now, here’s the real question: Is it true? Are people really just not making their payments and ignoring all those letters and phone calls and then letting the bank take their home? In the main, no- they are all over it, trying desperately to resolve the situation and save their home. It is just their word against the banks.

Read more on Bank of America Claims “Inaccurate or Faulty Documents” Don’t Show Homeowner Was Harmed…

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.

Read more on Illegal Foreclosures are Opening Loan Mod Doors…

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.

Read more on Bank of America and GMAC to Resume Foreclosures…

When a homeowner is rejected for a loan modification by his lender, a Forensic Loan Review is the critical first step that he or she should take to resolve the situation. A homeowner does not have to wait until he needs to stop foreclosure to get a Loan Audit done. In fact, the wise homeowner does not approach his lender to request a loan mod until he has his forensic loan audit completed.

A Forensic Loan Audit helps with commercial loans as well as a residential loan. If you have been turned down for a loan mod then contact a Tila Solutions Consultant. You do not have to wait to do an audit as a means to stop foreclosure. Get it before foreclosure even begins! If you are nearing or are in foreclosure, a Tila Consultant can help. They can also help people who are current on their loans or those with investment properties.

There is a homeowner hotline at Tila Solutions that you can call. Their consultants will interview you and help you identify whether or not you should get your loan investigated. Some reports are saying that as many as 6 million homeowners today have a predatory loan. A Tila Solutions Consultant can help you determine if your loan is in need of a Forensic Loan Audit. They can help you determine if the Forensic Audit may help stop foreclosure, avoid foreclosure or just ensure that you do get that loan mod.

Banks operate to make money and they treat you well as long as you are helping them to make money. If you aren’t, then you are “not their kind of client”. The only relationship you ever will have with the bank is based upon how well you give them the money that you agreed to. The lender does not consider any financial hardship as a good reason to give you a loan modification-mostly they ask for a “hardship letter” to see if you have recovered and thus maybe give them money again. Their only interest is in seeing the loan they gave you resulting in a monthly payment made on time.

What is interesting is that a violation-free loan, normally can withstand any hard times you may experience during the life of the loan.

Tila Solutions is an Audit Company that investigates loans. If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that there was any kind of “oddities” or pressuring to get you into that loan, then you should have it audited.

A Mortgage Audit also called a Forensic Loan Review or Forensic Loan Audit is an actual investigation or a detailed examination of the loan that the lender created issued to you. The audit is done to find all the Federal Laws that the banker violated.

There is a large body of laws that were passed to help prevent you from getting a predatory loan – which is a loan that heads you straight to foreclosure. Do you remember the day you got your loan? Do you recall reference to TILA, RESPA, HOEPA and ECOA? These are the laws that guide lenders and ensure they give you a loan that is in your best interest – they help prevent you from getting a predatory loan. They make sure you understand what you are getting before you sign, and give you a choice to rescind. Also, Tila Examiners often find fraud in these loans.

Tila Solutions Examiners will methodically go through your loan and locate all the violations and as you can imagine, your lender then loses much firepower against you! He no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.

Once the Forensic Loan Audit is completed, you need somebody on your side who can get something done with it! Some lenders, who often seem to operate above the law, have actually told homeowners that the Forensics will do them no good and that the homeowners just wasted their money! This is completely false. There are thousands of reports of bankers pushing borrowers around and misleading them all over the internet – Tila Negotiators know how to get you the best possible result and avoid all those misconceptions.

That is why Tila Solutions offers a free service to help negotiate new terms on your behalf you’re your investigation is completed.

Homeowners cannot forget that it was their lenders who lied to them when they gave them the loan, and it is their lenders who are still lying to them. Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.

You can save your home with a Forensic Loan Review! Call a Tila Solutions Consultant at 1 — 7 0 2 — 5 0 8 – 0 3 3 5. The Tila Solutions website is amassed with information and solutions. Visit http://www.tilasolutions.com/ for a Forensic Loan Audit and the free negotiation service offered by Tila Solutions.

Tags: Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, Mortgage Audit, predatory loan, Fraud, Loan Modification, loan mod foreclosure, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure

Read more on Do I Need a Forensic Loan Review If I Am Not in Foreclosure?…

Are you still wondering if you should trust the bank’s promise to give you that loan mod? Are you still trying to decide if it is time you got a forensic loan audit? No matter what, the facts speak for themselves. What are the facts of your loan? How can those facts help save your home?

Read more on Forensic Loan Audits Save Homes…

Tila Solutions Consultants are contacted every hour of every day by homeowners who are trying to understand what a predatory loan is and to determine if their loan is a predatory loan. They feel the need to make sense out of their downward spiraling financial situations that seems to be far beyond any ordinary financial struggles.

Read more on How Can You Tell If You Have a Predatory Loan?…

Thousands of people are losing their homes to foreclosure or filing bankruptcy to prevent the loss of their home through foreclosure every month. In fact, recent reports from industry insiders are claiming that there are more than 7,000 bankruptcies being filed each day, while some have projected that big banks like BofA and Wells Fargo could be releasing as many as 25,000 homes to foreclosure proceedings by December of 2010. In many instances homeowners have been led down a not-so-merry path, often being told that their home is under review for a loan mod, which inevitably is denied, as a foreclosure auction date is sent to the homeowner.

Read more on Predatory Servicing Practices are Causing Many to End up in Foreclosure…

Over the past several days three of the major banks have released to the news that they have stalled foreclosures. A closer look reveals that the lenders GMAC, Chase, and Bank of America have only stalled foreclosures for an estimated two to four week window in 23 states. The 23 states are those which specifically use the judicial system to get foreclosures completed. This means that if you are in a state that does what is known as a non-judicial foreclosure, such as California, then your foreclosure is not stalled.

Read more on Lenders Are Still Foreclosing in 27 States…

If you are like so many people today, the down trending economy has left you under employed or unemployed. You may have struggled for many months attempting to save your home from foreclosure, and hopefully you did not lose it like so many have. But probably in your attempts to save your home, your credit scores have dramatically declined.

Read more on Restoring Your Credit Scores is an Essential Part of Financial Recovery…

By Melanie Atherton

Congress has been working on new legislation that is designed to overhaul current financial regulations. This legislation points fingers in key critical areas across the nation’s economy. Important for homeowners is Congress’s plans to form a new agency to crack down on deceptive mortgages and other financial products in the future. It also aims to better protect consumers, tighten the reins on financial institutions and stop rewarding executives for taking reckless risks to fatten their quarterly earnings and bonuses.

Read more on Congress’s Future Plans Speaks Volumes of the Foreclosure Crisis…