By Karen Myers
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 because of the possibility that you are in a predatory loan. They 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 a foreclosure.
In many cases, when the lender is reviewing your paperwork to see if they will give you a loan mod, their calculations support that they can make more money at less risk if they do not give you that loan mod. That is normally why foreclosure gets underway. The Forensic Loan Review is your most necessary resource to help stop foreclosure.
When a homeowner is rejected for a loan modification by the lender, a Forensic Loan Audit is the critical first step that he or she should employ to resolve the situation. Banks are not and never have been there to help people; they are money makers- either you make them money or you don’t. If you don’t, then you are of no interest to them. The lender does not consider hard times as a good reason to give you a loan modification. They are only interested in seeing the loan they gave you produce a monthly payment made on time. And if your loan is a violation-free loan, then normally you should have no trouble doing this, even when you are experiencing some hard times!
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 “funny business” or pressuring to get you into that loan, then you should have it audited. It helps you get the loan mod.
A Forensic Loan Audit, Forensic Loan Review or Mortgage Audit is a detailed examination or investigation of the loan that the bank gave you. The audit is done to find all the Federal Laws that the banker violated.
Do you remember when you signed your loan documents? Do you recall reference to TILA, RESPA, HOEPA and ECOA? Those laws were passed to help prevent you from getting a predatory loan – which is a loan that puts you on the road to foreclosure. These laws are also supposed to ensure that you understand what you are getting before you sign, and give you a choice to rescind. Tila Examiners review all these Federal Laws that protect you as a borrower.
While Tila Examiners are conducting this investigation of your loan, they are also on the lookout for fraud committed by the banks, and they find plenty of it!
Tila Examiners will methodically go through your loan sometimes producing a report numbering in the 40-page range. As you may have surmised, your lender loses much firepower against you and no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.
Do you know that some people have been told that a Forensic Loan Review will do them no good! This is false. But do keep this in mind: once the Forensic Loan Audit is completed, something must be done with it in an effective manner. Because lenders, who often seem to operate above the law, will tell homeowners it means nothing and that the homeowner just wasted his money, some homeowners just shut down, they need somebody on their side who knows what to do with the bank. That is why Tila Solutions offers a free service to help negotiate on your behalf once the investigation is completed. The Lenders push borrowers around and mislead them all the time.
Borrowers have to remember that it was these people who lied to them when the lender gave them the loan, and it is these people who are still lying to them. Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.
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. 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.
Just remember that the Tila Consultant is on your side. You can call one of the consultants today at 1 — 3 0 7 — 4 5 9 — 0 2 3 2. The Tila Solution website has much valuable information and a variety of solutions. Visit at http://www.tilasolutions.com/ to learn more about a Forensic Loan Review and to learn how to take advantage of 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
Looking around on the internet, one very clear statement comes across – Lenders lie to homeowners. Why are you listening to your lender? The most common lie is that the lender really wants to help you, and is working on a loan mod for you, but actually he is just stalling while he waits for the foreclosure to complete.
Tila Solutions saves homeowners from these lies every day. Tila Solutions conducts forensic loan reviews for homeowners. Tila then helps them get a loan mod, using those results to show the lender that he has given the homeowner a predatory loan. The forensic audit shows that there are numerous TILA and RESPA violations (and often there is fraud) in the loan.
You can find thousands of stories online that show what is happening to homeowners.
The lie: “We are working on a loan mod for you.”
The truth: “We are foreclosing on you and expect that you will be stupid enough to ignore the foreclosure proceedings waiting for the loan mod that will never come.”
Here’s an example of the lies from Rip Off Report (a small excerpt only) – as far back as 2002!
“My loan was assigned to Chase in February of 2002. Chase contacted me in December of 2003 offering me a loan modification. This sounded good to me because I was struggling due to a horrible payment plan they offered me when I had fallen behind in May of 2003 due to an illness. At that time, they took me from paying $710 to $1,310. In hindsight, this is when I should have gotten an attorney involved.
“I was given the particulars of my new "loan modification" by a Chase representative and was waiting to receive the papers to sign. I waited six months! I called and I called and I called again. I finally called a lawyer. Once Chase received his letter, they responded to me. They responded by telling me that they would not give me the modification that "I" had requested, and that I should find a way to either pay off my entire loan or get financing elsewhere. I was in shock!
“Little did I know, this was only the beginning. What Chase failed to tell me was that, while I was waiting for my loan modification papers, they had commenced foreclosure proceedings against me.” Phyllis Riverdale, New York
Here’s another:
“My complaint concerns the Loan Modification that I've been dealing with BofA and BAC Home Loans since October of 2009 to help me with my Mortgage payments.”
“My home equity loan was with BOA for 4 years. When BAC took over and talked to me about their Loan Modification Program, they started splitting my payment letting me pay only half of my mortgage. In the meantime, BAC will be looking into my loan to see if I qualify for a Loan Modification. I sent in all the requested docs, never make a Late Payment, and now after six months BAC is telling me that I have not been accepted into the program and I have to pay the full amount of $16, 051.01 by April, 24 2010 (They NEVER mentioned that if I do not qualify I have to pay whatever the full amount is by he time that they finish the paperwork) They are not giving me the chance for a repayments plan. I looks to me that they are trying to force me out to pay this amount if not I am going to lose my house! I need someone to help us. We have no other choice but to send this letter to everyone to know about this after they told us and told us that we would get help!”
Today, many homeowners contact Tila Solutions looking for a solution to get their lender to stop disqualifying them, and stop the foreclosure process on them. Through the use of Forensic Loan Audits, Tila Solutions does just that. First they investigate. Then they negotiate.
Thousands of homeowners are stuck in predatory loans today. It was actually the first round of lies from the lender – “these are good loans, and you can always refi in a year or so.” No they were loans that put you on the road to foreclosure the moment you signed the documents and the lenders knew it!
There are several federal laws that protect borrowers. A Tila Solutions Investigation locates the laws the lender violated, and uses that information to get the lender to give you a loan mod. You can find out more about Forensic Loan audits and predatory loans at tila-y.com .
You do not have to let the bank rip you off. Just contact a Tila Solutions Consultant. They can help you. Tila Solutions uses loan Forensics to locate all the federal laws that were violated when the lender gave you the loan. Contact a Tila Solutions Consultant at 307 - 459 - 0232 or visit their website at http://www.tila-y.com/ . They can help you – often when nobody else can.
Tags: Tila Solutions, Tila, Tila-y, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, predatory loans
Exactly what it says on the tin!
Theme of Laura from the Silent HIll 2 OST
Balamb Garden track from the FFVIII OST
Title: Beautiful Hangover
Artist: Big Bang
Released: 25 August 2010
Not a band song,,, good quality video!
W (Double You) Shiroi Iro Wa Koibito No Iro
Sang by the wonderful duo that was Kago Ai and Tsuji Nozomi,,, this is one of their more serious songs compared to their usual silliness.. its a shame that they had to split cos Tsuji got preggers and Kago had to get caught smoking haha.. silly cow!
Anyways,, its a good song,, :P Enjoy!!
PROBABLY THE BEST MUSIC VIDEO EVER MADE!!!! 