Foreclosure and Collections

Who do you REALLY Owe?

There are no attorneys or financial advisors here (and we’re “legally” prohibited from giving “legal advice” or “financial advice”), but we CAN and DO assist Americans in applying a combined quarter century of real world experience to help you save your home.

Loan Origination Audits
Commonly known as a “Forensic Audit”. This is the audit that identified predatory loans (“subprime loans” were one of the biggest categories of predatory loans that decimated the economy in 2007-2009). This audit produces all the evidence of the Federal Violations of The Truth in Lending Act (TILA), The Real Estate Settlement Procedures Act of 1974 (RESPA), The Home Ownership and Equity Protection Act (HOEPA), and The Equal Credit Opportunity Act (ECOA), and signs of fraud.
Mortgage “Securitization” Audits

It’s a simple process on its face. A bank (“Lender”) accepts your mortgage application. You sign a “Note” (I.O.U.) agreeing to pay the “Lender” back with interest.  The “Lender”  sells your “Note” (I.O.U.), gets paid, and signs over your “Note”, along with the right to collect on it. We track that process through legal and financial records to prove the “Lender” gave up any right to foreclose.

Credit Card “Securitization” Audits
As a presenter to the Federal Reserve Bank of Philadelphia explained, “Credit card asset-backed securities (ABS) were first issued in 1987. Since that time, the credit card ABS market has become the primary vehicle by which the card industry funds unsecured loans to consumers.” Explaining further, “In virtually all cases, a credit card ABS issuer structures its securitization to achieve a sale of the underlying receivables…”


As we upgrade and modernize this 25-year-old web domain, we’ll be adding Testimonials from willing Clients, so keep an eye out.


Modernizing will include relevant business articles and reviews of state and federal court decisions/opinions affecting small businesses. MORE TO COME.

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