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By Caroline Taylor
The professionals at Truth in Lending Auditors help homeowners stop foreclosure almost daily. The Tila2 staff work directly with your lender and you to show why it is in the best interest of the bank to give you a loan mod. Often people who come to Tila2 have tried for months on end to get the bank to modify their loan.
Why are the staff at Truth in Lending Auditors able to prevent foreclosure so often? Because they specialize in forensic audits. The first step that Truth in Lending Auditors takes when a homeowner needs to get a loan modification is to conduct a complete forensic loan document review of the loan that the lender gave them.
You may wonder why this is the first step: It is because over the past decade lenders have repeatedly violated TILA, RESPA, HOEPA, and ECOA laws. They’ve ignored guidelines set by the OCC, and they have put people into predatory loans that are now wiping them out. Tila2 personnel have found that the best way to get the lenders to the negotiations table and to bring an end to the burning and churning in the lender’s system while desperately hoping for a Loan Mod that normally doesn’t come is to show the lender what he is responsible for.
When you look at the abounding reports of unfair disqualifications, lost paperwork, completed trial modifications followed by trustee auction dates, and “understaffed” loss mitigation departments, it makes no sense to try to get the bank to lower your payments, drop your interest rate, or reduce your principal without first give the banks ample and compelling reasons. Those reasons are found in the forensics. Homeowners who are tired of being scammed come to Tila2.
Lenders, bankers, news media, government officials, and even competitors warn homeowners away from seeking professional services to help you save their financial life and home. . . Why? It is easier to foreclose when the bank doesn’t have any middle man. And it is always easier to get business for your company if you put out false reports about the competition.
Don’t be mislead. The facts speak for themselves. Tila2 uses forensics and the first and most critical step in getting you the successful negotiations you need. If you are at risk of losing your home to foreclosure, then don’t delay. Get Truth in Lending Auditors on your side.
Much information has come to light that begins to suggest that the banks are profiting from foreclosure. The banks see no profitability in loan mods. The Federal Reserve Bank of Boston released their findings on this a year ago.
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? Most probably the facts are a large number of violations. How can those facts help save your home?
It is probably time you contacted tila2 and took matters into your own hands. Just remember this: The bank wants your money and your home. Take action and give yourself a fighting chance. Get a Forensic Loan Review and let the people at Tila2 negotiate new terms for you with the bank.
Truth in Lending Auditors can be contacted at ( 877) - 625--2419. You can find out more about Tila and Forensic Loan Reviews at http://www.tila2.com/.
Tags: Truth in Lending Auditors, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans
By Harlan Gray
In most states, foreclosure is initiated after three payments have been missed. In most states, the beginning of foreclosure is a document known as the notice of default. It will be mailed to the property address, and often nailed to the door of the property as well. In some states foreclosure is judicial – meaning the process has to go through the courts, in other states foreclosure is non-judicial and can be done through a trustee, such as a title company or a foreclosure specialist company. Then there are some states that allow for either method.
Traditionally, the foreclosure process has taken approximately 90 days to complete, and it is completed by the bank auctioning off the home, usually at the county courthouse or curing the default. If nobody buys the home, the lender will buy the home back and then place it with a real estate agent to be sold. Sometimes homeowners think that if nobody bought the property, then it didn’t get sold and it is still theirs. This is not the case in at least 95% of the auctions. Once the lender buys it, the home is his and the homeowner will have to vacate the property, normally within 30 days.
Today, homeowners have opportunities available to them to stop the bank’s attempts to foreclose on him or her before the home is auctioned off. Tila Solutions is able to help homeowners who contact them before the home is auctioned off.
It is important to know that the homeowner does not have to leave his home at the beginning of the foreclosure process. And the homeowner still has time to stop foreclosure and save his home. But, also understand that the lender will not accept any payments from him except for the full default amount. The default amount is the total amount of missed payments, plus all fees.
Traditionally, paying the full default amount, which always includes fees and penalties and other “additional costs” – often marked up to create more profit for the lender, is known as curing the default. If the homeowner cures the default any time before the auction date on the property then he is not going to lose his home. It is estimated still that at least 50% of the homeowners manage to cure their defaults. This is one reason why lenders would prefer to use the foreclosure process to make money instead of give a homeowner a loan mod. However, statistics are also showing that these homeowners who cured the default normally end up back in foreclosure in very short order.
Tila Solutions receives countless calls and emails from people every day desperately trying to save their homes. There have even been reports of people committing suicide because they could not stop foreclosure. They call Tila because they need help. Real Help – not false hope.
Lender Lies & Deceit
In any given month Tila Solutions receives countless calls from people that they can no longer help. These are the people who were told by their lenders that they did not need to worry about the foreclosure, because they were “under review” for a loan mod, and the homeowners actually believed the bank. Then somehow the auction date or denial letter didn’t arrive at the property address or in the mail, and the homeowner learned that either a) his home was going to be sold in the next couple of days or day, or b) his home was already sold at auction.
Tila Solutions is an audit company. They conduct forensic loan audits and help people locate the federal laws that were violated by the banks when the loan was issued. They use the results of these audits to help people save their homes and get the loan mods the banks refused to give previously. But they can only help IF the home has not been auctioned off!
These days, the lenders have the goal of cleaning up their books, turning a profit, and making more money (actually the same goals the banks have always had – cut the losses and turn a profit). Banks determine where they will see the best return on the money they loaned, and sadly, you are not it. Now that means auction off your home, and make money elsewhere, and that is what has been happening to the masses.
It is always the same story: You, the homeowner, were lied to when you were given the loan: it wasn’t a good loan worked out in your best interest, it was a predatory loan that is now consuming you, but has made money hand-over-fist for the lender. Now you are being told there just seems to be no way possible to qualify for a loan modification and lower their monthly payment, or worse yet, that you are under review and not to worry about the auction date.
Until Tila Solutions conducts the Forensic Loan Review and finds the crimes that the banker is guilty of, you will continue to be lied to, and either cure the default, only to end up in foreclosure at a later date, or just lose your home.
It’s a story we are all quite familiar with now: somehow, that poor family, sitting in foreclosure does not make enough money to pay a smaller monthly payment, so the bank refuses to do the loan modification. Of course they will also continue demanding the higher monthly payment or you lose your home to foreclosure.
Stopping the Bank Scam
Homeowners just don’t realize that the bank will tell them lies. It will tell them that they are getting a loan mod and then it will auction off their home. If any other company operated this way they would be shut down rapidly and prosecuted! But the banks have billions of dollars and they are getting away with it. If homeowners do not have somebody on their side, and keep listening to the bank lies, they will be another statistic of the bank scams.
When Tila Solutions comes on the scene, foreclosure is stopped, banker crimes are found and exposed, and lower monthly payments (and often principal balance reductions too!) are gotten.
Tila Solutions uses the power you have always had to protect you: TILA, HOEPA, RESPA, ECOA. These are the laws that protect borrowers and prevent them from having their lives destroyed through the predatory acts of unscrupulous lenders and bankers who would use them for their own profit.
Borrowers have so much power and strength when they know their rights and use these laws. Tila Solutions helps them do this.
Banks are not above the law, but will try to operate as if they are. You don’t have to take that anymore! A Tila Solutions Consultant is available for people by telephone at 1- 307—459—0232. Or you can visit the Tila Solutions website at www.tilasolutions.com. They will help you and your family. They are on your side.
Tags: loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic loan audit, predatory loan, notice of default
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Heres one more enjoyable, girly, and bright Daydreamer Heart Medallion Tote from Juicy Couture. Effectively what else is latest because Juicy Couture often crafts some thing of the particular exact same appeal though very good thing, this specific replica handbags would be perfect for those who enjoy their masterpieces yet do not enjoy their too much branding.
This doesnt have any oversized logo branding on it except for the gleaming logo charms that dangle from the particular front. This handbag is made from a mixture of acetate and rayon supplies, so it is indeed natural for the handbag to appearance shiny. Coming in pink color would all of the additional appeal to ladies or possibly teens or any young-at-heart individuals as this could show additional of their youthfulness. And on the other hand, this handbag could too show additional femininity because it comes in a drawstring closure together with an oversized ribbon that ties on the front.
This cartier bags would be a great choice if you want to appearance classy for the day and until certain after-dark parties, while holding just about everything you need. It boasts a dimension of 13 x 10 x 7 inches and opens through a magnetic tab closure, which would show extra zip and slip pockets sitting on the logo-print lining for storage. Theres also an ID window on the front plus two gathered side pockets on the exterior for any of your stuff that needs to be handy. The exact canvas striped handles of 8-inch drop definitely add to the particular baggage whole theme.
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Have this Hudson Downtown Significant Shoulder paper shopping bag from Michael Kors as your everyday carryall or perhaps your off-duty wallet in the course of the exact weekend. It truly screams casualness though elegance is nevertheless existing, and it indeed shows an understated luxe in its overall layout.
It really is truly just adequate because it also comes very minimal in layout; yet, this suitcase nevertheless managed to show a classy appeal, thanks to the exact polished gold tone hardware all all through. This suitcase is created from soft textured leather, as well as the hardware are existing around the logo plaque around the front together with the exact buckle fastening of the exterior front flap pocket. You can find also golden buckles on best, and leather around the base which runs as a result of the exact sides.
This suitcase holds a dimension of about 13?-inch wide throughout the exact bottom, 16-inch wide throughout the exact center, 15?-inch wide throughout the exact best x 5?-inch deep x 11-inch high. This opens as a result of a magnetic snap closure, which will show an interior lining together with back wall zip pocket, multifunctional slip pocket, along with a center zip divider. It has dual handles together with golden leather trim and 4-inch drop, and also a golden detachable shoulder strap to hold.
This Michael Kors Hudson Downtown Significant Shoulder mens concho belt is actually obtainable in Walnut and Vanilla colors, and whichever you decide on, you are guaranteed of a great addition to your selection.
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