Beware of Scam “Forensic” Loan Auditors/Companies
Ok, here we go go again… now the scams have hit the loan auditing industry. Most of these fakers are ex-mortgage brokers who didn’t make it in the mortgage industry and are now looking for a new way to make money. There are a few good auditors out there who have really put in the time, effort and research to actually know the laws and know how to properly state the elements of these violations in a manner that can actually help a homeowner in a foreclosure matter (and can help an attorney bring these violations as affirmative defenses or counterclaims in a foreclosure case).
TILA or supposed “Forensic” Audits that use standardized check-off lists without providing a mathematical determination of the TILA Disclosure Statement and amounts are NOT Forensic Audits. A check-off list or automated/software-driven TILA Audit describing potential violations as “Serious,” or “Moderate” is incompetent and useless. A Forensic TILA Audit must provide accurate TILA; Regulation Z citations, case law precendent, as well as actual computation of all settlement service fees properly allocated in the TILA Disclosure Statement or the Audit will NOT withstand scrutiny by legal authorities. Do not be fooled by imitations using standardized check-off lists.
There is absolutely nothing “forensic” about plugging loan data into some software and having it spit out a report. But that is exactly what most of these fakers are doing and they are charging anywhere from $395 to $995 based on what I have seen so far.
If the loan audit will NOT stand up to legal scrutiny then you have wasted your money and someone has scammed you into believing you were paying for something that would help you. Why would you pay for a loan audit that would not stand up to legal scrutiny?
The software driven report serves a limited purpose and I use a popular banking compliance software for my audits as well but this software-driven report is only a small piece of my actual audit and findings report. A true forensic auditor examines every document relevant to the loan and looks at signatures, dates, parties on the documents, who provided those disclosures or documents and also obtains the story from the client because every loan is a story. It involved people and usually quite a bit of communication between the borrower and the indispensable parties to the transaction.
I have myself setup for Google Alerts on a number of search terms so I go to these other websites pretty frequently. I also get clients who have dealt with some of these fraudsters and now want my help to clean up the mess and the wasted money. Hopefully this post will cause those who read it to really do some good checking before they part with hard-earned money.
Bottom line is to make sure you follow your gut. Do your homework, ask questions, ask for references. A good auditor will most likely have attorneys they work for and consult for.
Feel free to contact me if you have any other questions on this topic or would like a sample of my audit reports. You’ll be able to see the true forensic nature of a good audit vs. these computer-generated reports.
Category: Featured, Forensic Loan Audits, Truth in Lending
I have been contacted by a company called Hope Audits.
They promisse a lot. They say they can force the bank to reduce the principal and the rate.
They charge $2,500 in advance.
It looks like a scam to me.. what do you know about them?
TKS
Alfonso
I was contacted by them as well but they went by the name Hope Audit Solutions as was supposedly a company based out of Santa Ana California. They asked me for my checking account information and wanted 1 month's mortgage in the amount of $1530. Their address, telephone number, website, etc can not be found. I truly believe they are scammers.
From NC.
Hi Alfonso,
I am a victim of a fraud of a company located in Holbrook NY named Nelson Funding aka Natiowide Court. I paid them #1650.00 up front almost a year ago to receive a forensic audit. I stil have not recieved one. I been stressing for months going back and forth with them. They claim they submitted for my loan modification without it but the contract clearly states when the forensic audit is sent to me they have completed their obligation to me. Again they basically took me for my money so in hopes to stop companies from doing this to others do not believe anything they say.
Our family name was misspelled several times in the Loan Documents; I asked the Notary we can not sign to that misspelled name, but he insisted that Agent will give us the corrected; however, we asked again until to the Title secretary to give us the corrected or the amended documents; since April 2005, they have not provided. Also, we did not get what we really wanted why we need to Refinance: to have a better loan, like lowered interest rate and monthly payment, and most especially to Open Equity Line of Credit. The Agent disappeared after the loan was processed. We spent almost $10K for closing cost to that new worst loan, we could have just hold on to the old Loan we had.
I work for hope audit solutions based in santa ana california. They used to have a loan modification company called "home loan mod usa" then they changed the name to "core pac solutions". they just changed the name again to hope audit solutions just a little while ago and THEY ARE A SCAM!!!! RUN when you can and if you have paid CORE PAC SOLUTIONS a fee to modify your mortgage just dispute the charge with you credit card company for a full refund! they cant say no to that. DONT PAY THEM BY WIRE TRANSFER OR CHECK!!!!!
Thank you for your insight. What do you know about CMAC: http://www.truthinaudits.com They are touring with NACA across the country. Are they legit?
I don't have any specific interaction with them. I'll just say that there are maybe a half a dozen of us anywhere in the country who really know how to audit these transactions from all angles and can work with and/or coach an attorney through the process to bring these claims. Just because NACA is involved doesn't mean a thing. I have had several clients tell me that they had a bad experience and/or received bad advice from NACA. If you need any auditing work done, please feel free to contact me and we can talk directly. My number is 800-985-4685 ext. 0
I have been denied a loan modification by Chase, after two trial plans over a ten month period. I have legal representation and have been given an additional 30 day window to declare my new spouses income as part of the loan mod request. I am the sole signature on the loan, divorced in November 2008.
I was denied due to insufficient income, both in the HAMP and Chase's internal program. Ofcourse Chase will not tell me, my attorney or the court appointed mediator, how insufficient. My loan is at $635,000 and my income gross is $73,000, self employed and with a $1863 navy pension.
Can you advise me regarding an audit? Would it help in this situation? Will it place an additional stay on the foreclosure while Chase complies with the audit demand? My attorney is suggesting CH 13, which appears to be my only path to keeping my home. Can I negotiate a loan mod while in CH 13?
I live in CT.
Thank you,
William Gash
860.941.0044
I guess I am late. I payed by my checking account to Core Pac Sulutions who had changed rescently from Hope Audit Solutions. They took what they said was a morgage payment before they would contact my morgage co any further to dispute charges for me. They took 1200 dollars and never called back again. The old number was 714-656-3893. The first represenative was a gentelmen by the name of Corn wallas, whom they said they fired and then someone else after him and then he was fired untill no assistance at all and no money returned.
If you paid with a credit card, try disputing the charge with the credit card company, if it's not too late.
My wife and I had the unfortunate experience of meeting with Keith Turner (real name Reginald Keith Turner) conducting business from 13000 S. Tryon Street in Charlotte, NC for the purpose of securing a forensic loan audit. The business name is Hazelton Management LLC (without a comma). We learned that he is licenced in CT as Hazelton Management, LLC. The tax accessor's office records a catalogue store located at 13000 S. Tryon Street. We cancelled this order with Turner before he would have had opportunity to perform any work and asked him to return our payment to him of $1,450. We live in Winston-Salem. Turner left our home, deposited our check into a CT bank account and will not respond to our request for a refund. This man and his business operations in the State of NC are a total fraud and I would advise everyone reading this to stay away from these criminals.
WLP
My daughter and her husband had the misfortune of dealing with this character! He scammed them out of their hard earned money under the pretense that he could assist them with a modification of their home mortgage. (They were experiencing a financial hardship at the time.) He had my daughter meet him in a Food Lion parking lot to pick up the payment! His claim was that he didn't want people "coming in and out his office while he was trying to get his work done." He never did what he said he was going to do and when they attempted to contact him, he never returned their calls. Never do business with this company under any circumstances!
Melanie can you tell me where your daugher and husband met or found Mr. Turner. There are a lot of people looking for him. Thank you
Hello my name is Terry. I met Keith in CT. Is he still in NC? Do you have a phone number for him? One of my family members is looking for him. Any information you can give me will be deeply appreciated.
Is your daughter and husband still having financial misfortunes? I do short sales for free, in most cases the bank or the realtors pays me. Go to my website http://www.gttproperty.com
I would to try and help you, if I can. Feel free to call me my number is on my website.
1-203-848-5246 is the number that he gave my husband
Your daughter is Veronica Austin, and is mentally unstable and has arrest warrants out for her. Check with the High Point Police Department to verify. Veronica stalked our employees and even after her money was refunded she continued to call our office up to 100 times per day. If she has not been arrested she should turn herself in.
Dear Willie, Can I speak with you over the phone? I have a couple of question about this company and it's owner and you may be able to help me.
Willie – Can you tell me where or how you met Mr. Turner? There are a lot of people looking for him. Thank you
I have a small claims judgment against this guy and Hazelton Management LLC here in Connecticut. Any information on his whereabouts would be very helpful. Thank you.
Stay Away!! I am an investor in CT who worked and invested with Keith Turner while he was in CT. I lost a lot of money with him. People like him make it hard for people who are doing the "Right Thing" for folks. They give us a bad name. If confronted, or any of your friends or family are contacted, I recommend you/they call the FBI in New Haven, CT and the Dept of Consumer Protection in CT. The have a working file on his activities. STAY AWAY and keep him out of your Finances!!
The Pinkneys have a long record of slandering several organizations. The Pinkneys retained the services of Hazelton Management and pressured the company to rush their process to assist them so they could avoid further financial hardship. The Pinkneys feel everyone is out to get them, including their bank, the Banking Commissioner for the state of North Carolina, and also Ms Pinkneys former employer. Ms Pinkney has either sued or tried to sue everyone she has done business with because according to her, none of her problems are ever her fault, always someone elses. No business can satisfy everyone, especially when people may not necessarily have all their marbles.
call the NC AG Cooper's office. He has shut Turner's business down in Charlotte. AG Cooper is putting together a case to get peoples money back and would love to hear from anyone who has been scammed 919-716-6000 by Turner.
Hi my name is samuel a. cortez Im a 20 years air force retire, I was contacted by kith turner he said that he was going to save my home, not only that he move in to my house and has not paid my the rent for five months at lease I know where he is at Im suing him for my money and the rent money he is at 9815 adagio ct matthews nc 28105. I will like to talk to you to see if we could file criminal charges my phone number is 704 622 9405
I was contacted by US Loan Auditors LLC have anyone hear of them.
I was contacted by them too-just based on some phone conversations and the amount of cash they want up front-I smell a rat. They requested 1% of our home loan amount and $1000.00 per month to go into an account to pay .for the legal fees. To start I would have to send them a check in the amount of 3220.00! Everything they promise seems to good to be true and if it seems to good to be true I am guessing it is.
Hi Dawn, I am communication with US Loan Auditors and you financial commitments sound similar to mine. What did you end up doing? Did you follow through with US Loan Auditors? Have you seen any results? Please help me out. Thank you!
I sent them a certified letter after being solicited by mail, and then talking to them on the phone. I wanted to make sure they were legitimate. The letter I sent them certified just came back refused. They tried to get me to say my lender told me to falsify my income, and other stuff, but my lender never did any of the things the man on the phone suggested.
I was also contacted by them and mailed a package and they stated that if I sent all pertinent documumentation that we do check and see if they had a case and if so would charge me 1% of the loan amount would – to $3750.00 and it is a 100% guarantee if they see that we would fit the parameter.
Did you go forward
lindaarrellano@comcast.net
Is Robert Hook a Marshall Company a scam or it it for real? I am after $55,000.00 @3% for a 6 year contract.$835.00 a month for 72 months. So far, all they are asking is for a copy of my driver's license for security purposes. No money yet. They said My 1st payment would be in 3 months.I am in desperate need of this money trying to save my trucking business.Their email is marshall company@sify.com. What should I do. Hope you can help. Joe.
I have send money to this robert Hook for a loan…is he and his company real "Marshall_company@sify.com…let me know….
do not give your driver's license. It has nothing to do with a loan modification. I had a scammer who did that and I finsihed the loan myself because james parsa law group was disbarred and i reported him to SigTarp, the attorney general. While finishing my loan, the bank had no need for my driver's license. I am in the same situaion trying to verify a good legal company. So far I found a another company who might be a scam. I think if you have any doubts, follow your inutition (gut) feelings. Resarch any company by google but you have to be smart. They may change their old name to a new name for a clean record. Goodle will assocate that but YOU have to find it.
Core Pac S. and Hope Audit S. are the same company – Core Pac handles the modification requests and Hope Audit handles the audit requests.
I am a former employee of Core Pac Solutions and I would highly advise NOT to obtain the services of this company.
First of all, Core Pac Solutions is not and was never a law firm. Although this attorney is a real person, they simply used the name of Stephen E. Heyn to make the company look more credible.
The mailer that you received was through a marketing company that we paid to deliver mailers to thousands of homeowners. This mailer promised we could get you a really low interest rate, probably something like 2%. Unfortunately, not ONE of our employees ever saw this mailer. Be warned: we are not the only company sending out these generic mailers!
The $500 is for the service, the additional mortgage payment IS NOT, nor is it held in escrow. This is a flat out lie! They request this “mortgage payment” for 2 reasons: 1. to make you feel more secure that you will get a good modification from your lender and 2. because the salesperson taking your call works on 100% commission.
Unfortunately, if you get declined by your lender, and request a refund, you will find it next to impossible to obtain any money back. They will use reasons such as, you did not supply us with the requested documents in a timely manner (which, by the way, IS stated in the contract YOU signed)or that the company is entitled to an additional fee based on the amount of time spent on the file. If you receive a less-than-desired modification, you will not be refunded, as they have held up their part of the contract by assisting you with the process.
Cornell Wallace was an employee when I worked there and was fired because he used the marketing, that Core Pac paid for, to redirect the potential clients to another company he worked for (possibly his own). Do NOT pay him for his services, regardless of the company he works for! He is a crook and, in my opinion, deserves to be in jail!
Hiring a professional to assist you with a modification will usually help you to get a better deal than if you were to do it on your own but, keep in mind, it is still not a guarantee and the the person you hire still deserves to get paid for their services, regardless of the outcome.
Also keep in mind that a loan modification can sometimes take up to 6 or 7 months, depending on factors such as the lender (and their workload), the investor and the city, since it involves escrow as well.
As of October 2009 in the state of California, you cannot be legally charged for a loan modification before you actually get the loan.Effective October, 2009 in California, it is illegal to collect any fees, regardless of the form, for negotiating or attempting to negotiate a loan modification for a residential mortgage. All modification services must be fully completed before any money can be collected. It is also illegal to divide fees or services into components for the purpose of avoiding this law.
As the last line states….calling what it is by any other name…still is breaking the law.
Vicki,
I read about that law. I can confirm that this is true for "Loan Mod" companies and am glad. A few of my friends were duped by a loan mod company in Newport Bch, CA. From what I gather, forensic companies that do not charge for modification or negotiations do not fall under the same restrictions. I know, as we hired a forensic company called Truth In Lending Auditors out of Wyoming and got a great mod. They did not charge for the mod. Their only charge was for the forensic report. It was a lifesaver. Their negotiator Liana is top notch, in my opinion. She got us 2.5% Fixed for 3 years, 3.5% fixed for 2 years, and 5% for the rest of our loan. My payment dropped to just shy of half of what it was. Even late fees disappeared. I was behind 5 months.
John
My consultant was Sara Miller. Great gal.
Here is her contact info:
Sara Miller
Intake Consultant
Truth In Lending Auditors
Direct Line: 307 222-4525
Main Office Line: 307 316 0044
Fax: 253 444 5498 http://www.tila6.com/
Do you have any advice on loan modification companies that are NOT scams? It seems like just about all of them are! I've also been talking to TILA (Truth in Lending Auditors) out of Wyoming. They have an "A" BBB rating but that's all I've done on my check so far. I would really appreciate your feedback.
TILA (Truth in Lending Auditors) out of Wyoming. They called me after an e-mail: yesterdays local paper had an article from Minnesota’s Attorney General saying, she had 2 law suits against these people who ask for money up-front. hope this helps, they probable wouldn’t….
Do you know anything about "Truth in Lending Auditors, LLC" out of Cheyenne, WY. Please let me knowL Are they legitimit or a scam. they want $1,850 up front to start work on the audit.
I think they are called TILA for short. A co worker used them and said that they gave her a very good quality audit. She also said that their negotiators were able to get rid of their Home Equity Line of 75k. They have an 'A' rating apparently (Just looked them up)
Hope that helps Bob.
Vicki
I used them, and kissed $2700 that I borrowed to pay them goodbye.
Beware! I created a website with the detailshttp://www.tila21.com
Hi Bob,
Did you end up using TILA? I am talking to them and just can't figure out if everyone out there is a scammer or if they are legit. Please reply asap if you get this message!
Beware:http://www.tila21.com read first
Marybeth and Bob I am at the point of the forensic part but havent heard back in a couple days. i was wondering if I have been took. i sure hope not,
Doug
Yes, Rickey, they are crooks.
Can you go into more detail. They are seeking local counsel to act on their behalf, but I'm weary of applying for the position if I would be dealing with scammers.
Thanks
Do you know anything about Lender Forsenics LLC out of North Palm Beach Florida? I was recommended by The Law Offices Of James Cioffi.
Is there anybody that you could refer in my area? Daytona Beach, Volusia County Florida? I really dont want to get scammed by anybody. Thank you
Bev, I am in your area and I used Lane Houk (this is his site). His services are reasonably priced, and he is very upfront and honest and working with my attorney as well. He also posted his number above, I will paste it in: 800-985-4685 ext. 0
Lane-Thank you!! For your informative site and all of your expertise!
I tried Us loan auditors…. they were ok, i liked what i got out of the program, just cant say much about it.
Jay,
You could really HELP ME OUT if you would provide answers to a couple of general questions.
I'm on the fence and I need to make a decision ASAP…….I don't want to know any specifics that apply to your personal situation. I have been solicited by them too.
Is the company out of Rancho Cordova, in the Sacramento area and an office in San Jose CA?
Did he/she do what they said they would do for you?
I was told 1%, plus 1/2 of my monthly payment, which is $2400?.
Being told $2400 vs $1000, from the other responses I've read makes me very skeptical.
You are the first person, that I read about, that has gone through the entire process, with this company
that I believe to be the same one I'm considering.
When you're in a bind you tend to want to believe, "This is just what I needed"
How long did the process take from start to finish?
Your answers would be a big help!!
Best Regards
MJ1
MJ1 if the process takes longer than 10 days including weekends be leery
Jay
You would really HELP A LOT OF PEOPLE by sharing some of what occured for you……….I'm one of those people you could help.
I also was told 1%, but I was quoted $2400/mo…. .1/2 of my monthly payment!
I've read through a lot of these comments and I have yet to see anyhting higher that $1000/mo so right away, I'm skeptical
Did they meet your expectations?
Was it worth it?
How long did the process take?
I have a lot more questions, but If you will respond to those questions that is enough for me to make a decision. TIME is not on my side…………..Whatever you are willing to share would be helpful!
Best Regards,
Mac
Jay
You would really HELP A LOT OF PEOPLE by sharing some of what occured for you……….I'm one of those people you could help.
I also was told 1%, but I was quoted $2400/mo…. .1/2 of my monthly payment!
I've read through a lot of these comments and I have yet to see anyhting higher that $1000/mo so right away, I'm skeptical
Did they meet your expectations?
Was it worth it?
How long did the process take?
I have a lot more questions, but If you will respond to those questions that is enough for me to make a decision. TIME is not on my side…………..Whatever you are willing to share would be helpful!
Best Regards,
Mac
Beware of a company called Financial Capital Solutions, Newport Beach California.
They do phone solicitation, fast talkers.
Talked a disabled vet looking for a refinace or a loan modification into their program, took 1500, wanted another almost 1500. When approached with the knowledge that this was not what he was to have paid for, they said they’d refund only 590 as they had done paperwork and had a file…the file nor the money have not been returned. This man didn’t need an investigation. He was under the impression, as their add says, that he would be dealing with an attorney.
When I called and asked…I got the same fast talk, was told they would find out mistakes, then they would “strong arm” the loan company to give him a loan? Anyone who has experienced an upside down loan knows there is no strong arm approach that will work. I’m sending the information to the Attorney General of California…, as well as the BBB, that with just one complaint has given them a D rating….buyer beware
hi everyone,
here is the info on who has contacted me:
Tim Bronson
Intake Consultant
Truth in Lending Auditors
Office Phone: 307 316 0044
Direct Line: 307 200 4550
Fax Line: 253 444 5498
http://www.tila8.com
any comments?
they charge 1,650 total in to 825.00 payments
So, are you saying Tim Bronson at Truth in Lending Auditors is a scammer?
hello, Did you deside to go with them. They called me and qutoed a different price. So I’m very uncomfortable.
Please, Let me know more>
Be careful. Please read about my experience with themhttp://www.tila21.com
BEWARE OF ANYBODY ASKING FOR MONEY UP FRONT;
MINNESOTA ATTORNEY GENERAL HAS LAW SUITS AGNIST
2 OF THEM.. JUST SEARCH ON YAHOO WHAT SHE SAYS.
BEWARE OF:Truth in Lending Auditors
How about America's Lending Resource? Has anyone heard of them?
Has anyone heard of "Endless Fraud Detection? They even have a radio show in Austin, TX?
Thanks,
I also want to know if anyone has heard of "Endless Fraud Detection". They are not part of the BBB, so does anyone know if they are for real, or a scam?
Beware of a company called Nelson Funding LLC aka Nationwide Court located in Holbrook NY
The banks and our government are all in on this scam of the American homeowner. Check out the REAL story where the banks are tearing down NEW homes to avoid paying taxes at:
http://www.youtube.com/watch?v=ZsgOaCZ2Lag
My Husband was injured at work and paniced. We hire Hope Audit solutions, also :Core-Pac,: also General Assistance Modification Center now, again, Hope Audit Solution..And YES, they STOLE our money which I consider Legal Fraud, Legal Larceny and a Felony !!
I am in research of a Class Action Lawsuit… If you read their Policy, you will see: They WERE NOT to advise you of any finanical or Legal advice. They Breeched the Contract…They told us Not to pay a months mortgage, it will be placed on the back end of the loan..(financial advice??) They should be held accountable..Not only did they breech the contact,. They NEVER contacted our Mortgage company to modify our interest rate.! We were told NOT to SPEAK to our morgage company AND DO NOT tell them we hired them!! ( Legal advice??). Of course being honest Americans, we did contact our mortgage company, which is how we found out they never sent one document !!! If this were you or I, we would be charged with criminal action..We would face Full Reprecussions ! We would Face Full Reimburstment plus Hefty fines and maybe jail,and penalities, or hours of community work ! Not to mention a criminal record that would haunt us until our death! we have every email, phone messages and faxes proving they intended to fraud us..I researched this AFTER months of no compromise and faxing repetitively all the necessary documents. We believed they were part Of Obamas restruction stimulus package!!! But really, does it matter what we believed? This company did not conform to the contract, Bottom line! Anyone know where we can get invoved in a class action lawsuit??? Thank you
Yes,
I live in Tn, but found this wonderful lawyer in New York. I'm part of a class action suit with her. Her name is Jessica Sleater, tel: 212-631-8627, fax: 212-868-1229, email address is jsleater@milberg.com. She is great! Carla Hilgert….chilgert@aol.com
Tim Bronson
Intake Consultant
Truth in Lending Auditors
Office Phone: 307 316 0044
Direct Line: 307 200 4550
Fax Line: 253 444 5498
http://www.tila8.com
I e-mail this person, and he called me. A very well spoken person, his charges were different than the above.
Would like to know if anyone follow-thru on when they can do to help… and if this is a SCAM…
We have hired TILA to do a forensic loan audit. They promised many things and in the end, delivered little. They said the forensic loan audit would stop our foreclosure process- that was not the case!!! Then, they submitted a loan mod request. We got denied again- meaning, basically, the loan audit served no purpose and it was so full of errors, we couldn't believe it. They do not take checks- that should be your first clue. DO NOT PAY THEM TO HELP YOU. THEY DID NOT DELIVER FOR US WHATSOEVER!!!
Yes a SCAM
DOES ANYOME HAVE ANY REAL PROOF THAT TRUTH IN LENDING AUDITORS, LLC ARE FRAUDS?? IS THERE SOME KIND OF CONSUMER PROTECTION LIST?????? WHERE CAN SOMEONE GO TO CHECK THM OUT?????
I'm in Illinois and a local attorny (Law offices of Darren A. Fish) contacted us by mail to reduce our principle by using subprime mortgage predatory lending rules against our morgage company. 1st is this possible? 2nd our they legit?
We were contacted also, we are in a bad way. please respond on any info on this guy.
thank you
After many searches: yesterday the local newspaper, open my eyes to my search for a modify on my mortgage.
ALL THESE PEOPLE THAT ASK FOR MONEY UP FRONT ARE SCAMMERS! The article was by the MINNESOTA ATTORNEY
GENERAL…she has two suits out on them…the new laws and Banks are changing the rules… she said: call the
MORTGAGE HOLDER, ANY EXPLAIN YOUR POSITION AND IF THEIR IS ANYTHING THEY CAN DO TO HELP… i WENT THROUGH A MOD;
A PERSON CAN ONLY HAVE TWO IN ONE MORTGAGE… I SAID, I WAS UNEMPLOYED, AND THAT IS GOOD UNTIL JULY, THEN SS…
I’M SHORT ON MY BILLS BY $1200, AND MY HOME HAS FALLEN IN VALUE…I HAD THE BANK SEND ME NEW PAPERS AND I WILL RETURN THEM AT THE END IF JUNE…UNLESS I HEAR SOMETING DIFFERENT IN THE NEWS.
A few points: I have been looking for a good attorney or professional to help my clients. I am in this industry, but the sad news is there are very very few good people, and even less loans being modified. Stats are horrible! Our leg. has passed laws to make it very difficult to get the help that is so desperately needed. Most of the good people are getting out because of the lack of cooperation with the banks. This is causing stress with their clients…and their reps. This is removing good people, and leaving some very questionable outfits, that just don't care, to remain. Loan mods take time..if you have someone that is working, be patient and understand the time frames. Make sure to ask lots of questions, and keep your expectations realistic. Be careful! Where there is pain…ther are sharks! Check into who you are hiring w/the BBB, and sites like this. Do NOT just write a check. High pressure is not something a good professional will do. If you come across someone that's done a good job….please pass their name along!
does anyone have experience with us loan auditors and are they allowed to charge an upfront fee thanks
Beware of promises they made and dont keep. I just saw $2700 fly away with wings by using them.
What do you know about Direct Capital Software Co.? They sell auditing equipment?
See my website where I posted what happened to me with Truth in Lending Auditors. If you want to lose your money, and achieve nothing. Use them. www dot tila21 dot com
that was very informative
thanks
HAS ANYONE USE US LOAN AUDITOR AND WHAT IS YOUR OPINION OF THEM, FORESNIC AUDIT OR NO GOOD UNLESS YOU HAVE A GOOD REAL ESTATE ATTORNEY THEY WANT 1200.00 TO PERFORM AN AUDIT AND FILE PAPERWORK IF YOU HAVE A CASE
We've recently been contacted by US Loan Auditors too . . . Don't know if it's all a scam . . . What did you finally decide?
Hi everyone
I have recently contacted Truth in Lender Auditors in WY (www.tile8.com) I spoke with a Hal Benson. PLEASE, let me know if these guys are legit and what results any of you have had. We are desperate and running out of time.
Thanks a million
Diane
Not legit. Scammers. I got scammed and am making it one of my lifes missions to prevent others being scammed http://www.tila21.com to read about my experience, including emails
HI Diane, Did you get any results….I have just been talking to Heather for a couple of days and was ready to send them money…and thought I would check them out one more time…Now I see these negatives….Why nothing on the better business bureau?
I JUST SENT $2500 TO JAMES A. CIOFFI!!!! SHOULD I TRY TO GET MY MONEY BACK???!!!
they told me they would bring my mortgage from $1700 to $1050…. is it a scam?
Do not hire American Forensic Loan Auditors. They promise you everything once you pay $2000.00 they do nothing for you!
does anyone kwos Twin Builders Foundation Corp. pls reply if u have any information.
US Loan Auditors and My US Legal Services are a Scam. They are being investigated by the State Bar.
I gave a $2500 retainer to this THE LAW OFFICES OF JAMES CIOFFI. An educated used car salesman that works for this firm ( Joe Prince) talked me and my husband into the deal. He assured and promised us (via phone and email) that we would not loose any money. After we paid, we found out that we were victims of the bait and switch scam. The "processor" stated that we couldnt do a modification and there were no refunds of the retainer allowed. Well… we lost all of our money that we had in our savings account. Now, we are still struggling with a baby on the way. SAVE YOUR MONEY!!!! DONT DO IT!!!