Dana Shafman

Hello AZChef1 and all others frustrated with NationStar Mortgage,

I absolutely feel your pain after dealing with NationStar on a professional level (my staff was professional at least) for the past thirteen (13) months. Everything you are stating is absolutely valid coupled with the fact that NationStar does not do their job unless you call them to tell them to do it (they actually told me that) and escalate every call to an escalation supervisor; but even that doesn't do the trick sometimes. I have had to put a lot of muscle into complaints and escalations for all of my many clients at NationStar just to get documents processed and loan modifications/forbearances/recapitalizations/settlements granted. I have had much success in battling NationStar but it is a fight that requires much time and knowledge...it IS a game after all so the one with the best strategy wins and WE have the best strategy!

Please call me to discuss your frustrations and your desired results. We call NationStar at NO CHARGE TO YOU simply to uncover the current status of your loan along with the options that exist to you as a borrower and to determine if we can help you achieve those desired results. I have been extremely successful in challenging NationStar with regards to laws and regulations since they are unwilling to cooperate unless they are reported and/or challenged. We also list all of the regulatory agencies and major Investors on our website so please feel free to obtain that information on our site as well to further the cause. Once the loan is sold to NationStar, they must comply with the FDCPA laws as well as RESPA laws because they are considered debt collectors now with tighter regulations that they constantly violate.

If you'd like to chat more about your situation please contact me via email (Dana at ConsultingEND dot com) or via our website (ConsultingEND dot com) with absolutely no cost to you to discuss your situation. In the past 13 months I have personally helped to modify 50 loans, settle 12 mortgages, and completed 6 short sales so I look forward to hearing from you. I can tell you that it took many letters to many agencies and constant beatings to get results from NationStar but it is possible so please don't give up...

Good luck!

Dana Shafman
END Consulting
[protected]
Dana@ConsultingEND.com
ConsultingEND.com

Hello nialus22 and all others frustrated with Ocwen,

I absolutely feel your pain after dealing with Ocwen on a professional level (my staff was professional at least) for the past thirteen (13) months. Everything you are stating is absolutely valid coupled with the fact that Ocwen does not do their job unless you call them to tell them to do it (I've experience this first hand) and escalate every call to an escalation supervisor; but even that doesn't do the trick sometimes. I have had to put a lot of muscle into complaints and escalations for all of my many clients at Ocwen just to get documents processed and escrow discrepancies/loan modifications/forbearances/recapitalizations/settlements granted. I have had much success in battling Ocwen but it is a fight that requires much time and knowledge...it IS a game after all so the one with the best strategy wins and WE have the best strategy!

Please call me to discuss your frustrations and your desired results. We call Ocwen at NO CHARGE TO YOU simply to uncover the current status of your loan along with the options that exist to you as a borrower and to determine if we can help you achieve those desired results. I have been extremely successful in challenging Ocwen with regards to laws and regulations since they are unwilling to cooperate unless they are reported and/or challenged. We also list all of the regulatory agencies and major Investors on our website so please feel free to obtain that information on our site as well to further the cause. Once the loan is sold to Ocwen, they must comply with the FDCPA laws as well as RESPA laws because they are considered debt collectors now with tighter regulations that they constantly violate.

If you'd like to chat more about your situation please contact me via email (Dana at ConsultingEND dot com) or via our website (ConsultingEND dot com) with absolutely no cost to you to discuss your situation. In the past 13 months I have personally helped to modify 50 loans, settle 12 mortgages, and completed 6 short sales so I look forward to hearing from you. I can tell you that it took many letters to many agencies and constant beatings to get results from Ocwen but it is possible so please don't give up...

Good luck!

Dana Shafman
END Consulting
[protected]
Dana@ConsultingEND.com
ConsultingEND.com

Hello M.R and everyone else struggling with modification!

Your struggles are all to common and trust me when I tell you that I have battled IndyMac/OWB as well as Ocwen, Bank of America, Nationstar and many many more but have gotten through the ignorance veil by utilizing muscle from regulatory agencies coupled with fierce negotiation tactics and copious communication logs full of time stamps. We list the regulatory agencies on our website at ConsultingEND.com along with FREE HELP links if you need a bit more muscle.

With that said, there ARE times when a professional is needed and I can show you that I am a trusted professional running an ethical organization of individuals that truly care about our clients and we also have a vested interest in beating the banks at their own chess game! After all, it is just that a game where the one that fights the longest and hardest wins but the fight can be long and grueling unless you have some dynamic tactics that can knock the debt collector (servicer) off their feet. I am extremely successful at utilizing this tactic to encourage the desired results.

Please visit our END Consulting website (ConsultingEND.com) to check out the "Client Resources" tab and to hear my motivation for starting the company on our new radio show "THE DEBT SHOW" visit www.ENDDebtShow.com. There is no question that you ALL are entitled to be reviewed in a valid manner for debt restructuring by your mortgage lender and/or servicer but it takes muscle and facts; the emotion must be taken out of the equation.

For those that choose to hire a professional, you should make sure that they call your lender or servicer up front at no cost to you to see if they can help you before blindly taking your money without accurate knowledge of your file. There is no way that a firm can determine what options exist for you in which for you to determine if you should proceed unless information is obtained...that is our philosophy at END Consulting!

I would be happy to speak with any of you about what options may exist without obligation as per our philosophy, we absolutely do not charge to discuss your situation and possible solutions for you. Please contact me via email at Dana at ConsultingEND dot com or via phone at [protected] Ext 101. I have personally helped to modify 50 loans, settle 12 mortgages, and completed 6 short sales so I look forward to hearing from you. I can tell you that it took many letters to many agencies and constant beatings to get results from IndyMac/OWB but it is possible so please don't give up...

Good luck!

Dana Shafman
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
ConsultingEND.com

I might be too late symiller2666 but I am hoping that I am not!

Nationstar is a poorly run company that needs babysitting to wipe their rears and is anything short of compliant and diligent. With that said, I have done at least a dozen loan modifications with Nationstar in the past few months so I know that success can be had for borrowers! Your struggles are all to common and trust me when I tell you that I have battled Nationstar as well as Ocwen,
SPS, SLS, IndyMac, Chase Bank of America, and many many more but have gotten through the ignorance veil by utilizing muscle from regulatory agencies as the gentleman commented above coupled with fierce negotiation tactics and copious communication logs full of time stamps. We list the regulatory agencies on our website at ConsultingEND.com along with FREE HELP links if you need a bit more muscle.

There ARE times when a professional is needed and I can show you that I am a trusted professional running an ethical organization of individuals that truly care about our clients and we also have a vested interest in beating the banks at their own chess game! After all, it is just that a game where the one that fights the longest and hardest wins but the fight can be long and grueling unless you have some dynamic tactics that can knock the debt collector (servicer) off their feet. I am extremely successful at utilizing this tactic to encourage the desired results.

Please visit our END Consulting website (ConsultingEND.com) to check out the "Client Resources" tab and to hear my motivation for starting the company on our new radio show "THE DEBT SHOW" visit www.ENDDebtShow.com. There is no question that you ALL are entitled to be reviewed in a valid manner for debt restructuring by your mortgage lender and/or servicer but it takes muscle and facts; the emotion must be taken out of the equation.

For those that choose to hire a professional, you should make sure that they call your lender or servicer up front at no cost to you to see if they can help you before blindly taking your money without accurate knowledge of your file. There is no way that a firm can determine what options exist for you in which for you to determine if you should proceed unless information is obtained...that is our philosophy at END Consulting!

I would be happy to speak with you about what options may exist without obligation as per our philosophy, we absolutely do not charge to discuss your situation and possible solutions for you. Please contact me via email at Dana at ConsultingEND dot com or via phone at [protected] Ext 101. I have personally helped to modify 50 loans, settle 12 mortgages, and completed 6 short sales in the past year so I look forward to hearing from you. I can tell you that it took many letters to many agencies and constant beatings to get results from Nationstar but it is possible so please don't give up...

Good luck!

Dana Shafman
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
ConsultingEND.com

Dear Justice4ALL1,

Thank you for your input as I always welcome feedback to educate then enable the client to make an appropriate decision. Just to clarify, the short sales I assisted in were at the request of the client and not as a result of a failed modification but thank you for allowing me to clarify that here today and by the way, none were with Ocwen so my track record is still clean. Furthermore, I was not offering a modification just touting that our service offering as well as our industry knowledge is vast but understand that was maybe lost on you.

With regards to your feedback on FDIC, we thank you for your feedback as we do already utilize the FDIC as muscle as well as the AG, CFPB, HUD, Etc. and we list those resources on our website for FREE to assist the homeowner in getting the desired results but realize that some homeowners need some extra consulting in reaching the desired solutions as the process can be relentless and unforgiving for most (the environment is created by the lender/servicer).

Please keep up the great work Justice4ALL1 but for those that actually need help, please feel free to contact me with no obligation at :

Dana Shafman
END Consulting
[protected]
Dana@ConsultingEND.com
ConsultingEND.com

Good morning!

I am presently working with a legal investigator through a New York law firm to gather clients for a class action lawsuit against specific loan servicers and lenders that are fraudulently collecting escrow funds, not issuing required escrow refunds as well as issuing forced place insurance when not warranted. Please access our firm at ConsultingEND dot com or me directly via email at Dana at ConsultingEND dot com to be put in immediate contact with the investigator as we are thrilled to be able to join together victims with attorneys that want to hold servicers like PHH or Ocwen and lenders like Chase or Bank of America accountable for their actions.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

Please call or email me to get in touch immediately with David who is the investigator for the NY firm that is seeking victims for class action lawsuits involving escrow fraud and relating issues. I would be more than happy to discuss your situation in full with no cost or obligation to you to uncover the possible options that exist for you if you feel that a class action lawsuit is not the immediate direction you would like to take at this time.

Look forward to hearing from you and sorry for the abuse at the hands of PHH!

Dana Shafman
Managing Member
END Consulting
[protected]
Dana@ConsultingEND.com
www.ConsultingEND.com

Good morning all!

I am presently working with a legal investigator through a New York law firm to gather clients for an Ocwen class action lawsuit for fraudulently collecting escrow funds, not issuing required escrow refunds as well as issuing forced place insurance when not warranted. Please access our firm at ConsultingEND dot com or me directly via email at Dana at ConsultingEND dot com to be put in immediate contact with the investigator as we are thrilled to be able to join together victims with attorneys that want to hold servicers like Ocwen or Nationstar and banks like Chase or Bank of America accountable for their actions.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

Please call or email me to get in touch immediately with David who is the investigator for the NY firm that is seeking Ocwen victims for class action lawsuits involving escrow fraud and relating issues. I would be more than happy to discuss your situation in full with no cost or obligation to you to uncover the possible options that exist for you if you feel that a class action lawsuit is not the immediate direction you would like to take at this time.

Look forward to hearing from you and sorry for the abuse at the hands of Ocwen!

Dana Shafman
Managing Member
END Consulting
[protected]
Dana@ConsultingEND.com
www.ConsultingEND.com

Dear rhcastaneda,

I truly hope that I am not too late to help you and others in you situation. In the unfortunate event that your home sold already, you may still have foreclosure rescission rights based on the foreclosure abuse you suffered at the hands of Wells Fargo. You are absolutely entitled to an appeal as well as a clear explanation for your modification denial and those rights are backed by multiple regulatory agencies like the CFPB and the FTC. I have fought on behalf of many clients that have been in the exact same situation yet I have been able to not only stop the foreclosure but also to force the lender or servicer to extend modification options to the clients by challenging the validity of the debt and uncovering servicing violations. Please access our firm at ConsultingEND dot com or me directly via email at Dana at ConsultingEND dot for more information.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise in debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

Please call or email me as I would be more than happy to discuss your situation in full with no cost or obligation to you to uncover the possible options that exist for you regardless of the status at this time.

Look forward to hearing from you and sorry for the abuse at the hands of Wells Fargo...they should be held accountable for their actions!

Dana Shafman
Managing Member
END Consulting
[protected]
Dana@ConsultingEND.com
www.ConsultingEND.com

Good afternoon Jodi,

While I hope you received the help you needed and deserved to fight Chase to beat them at their own awful game, I am also sad to report that there are many others that are in your position seeking assistance and experiencing similar feelings of "being a wreck" many years later. For that reason, I am answering both current and past complaint and help posts to provide much needed information to others facing foreclosure and deceptive collection practices.

You have rights and you need to assert your rights by way of constant pressure on the lender or servicer coupled with a strategic approach to enforcing Dodd-Frank, RESPA and FDCPA violations. Believe it or not, I have helped many distressed or "wrecked" homeowners in your situation to get through the BS and on to financial freedom. Begin by asserting your rights:

1. You have the right to appeal any modification decisions that were made on your file but you generally must do so within 30 days from the time of the denial

2. You have the right to reapply for modification at any time in the event your financial situation changes and the lender or servicer must provide you with options to assist you based on your current situation

3. You have the right to hold Chase accountable for modifying (or not modifying) your loan because they took part in the National Mortgage Settlement where they have agreed to be held accountable for robo-signing and mortgage servicing wrongdoings

4. You have the right to challenge the debt and your servicer or lender must answer the challenge to your satisfaction before they proceed with collection of the debt to include foreclosure

A good rule of thumb is that if you believe that they are violations on your file, there most likely are so trust your intuition. Additionally, contact END Consulting to discuss your situation at no cost to you to uncover what options exist for you moving forward and we also provide links to all the regulatory agencies and client resources needed to assert your rights. I do not take on any clients that I believe I can help as we ere of the honest and ethical side of the fence always. Fell free to contact me anytime at Dana at ConsultingEND dot com or visit our website for more information at www dot ConsultingEND dot com or below:

Dana Shafman
Managing Member
END Consulting
Toll Free [protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com

Good afternoon Milo Pilaron, helpsuescumbags and StressOutMom;

I can certainly understand your frustration with Vericrest Financial or Caliber Home Loans (they are one in the same) as I have had much involvement with them in restructuring debt. Our success in achieving desired results stems from our proprietary strategic business negotiation tactics to include uncovering lender and servicer violations while simultaneously challenging the debt from every angle. My firm is great at it!

In answer to your issue @StressOutMom I would draft a letter with all the necessary supporting documentation to substantiate your claim and send it to Chase but copy it to Caliber Home Loans (state that you are coping each party in the letter). They have to respond to your inquiry (it's called a qualified written request) within 5 days from your correspondence with how you rectify the issue. If they fail to respond, contact the CFPB and explain that your rights have been violated!

I would be happy to elaborate for you as we always offer free consultation until we can determine if we can assist you to include contacting Caliber Home Loans for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND dot com

Good afternoon Mrs. Williams, Darlene Spencer, jeanakaireed, juckie, Big BP, yourkeys, Laura A. Patrick, and Stop the Funding;

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

After reading about all of the abuses that you all have suffered at the hands of the large banks (Chase, GMAC, Bank of America) and debt collectors (Nationstar) over a period of four years, it only confirms what we already know as business professionals that homeowners and borrowers are going to have to fight the banks and debt collectors in order to get what you want and it is no holds barred because they throw some serious blows...you have to play dirty!

Here are some basic rules to remember when requesting assistance:

1. COMPLETE EVERY SPACE ON EVERY FORM (PUT N/A OR A DASH IN THE SPACE IF IT DOES NOT APPLY) AND SUBMIT ONLY A COMPLETE AND CLEAN PACKAGE PER THE DOCUMENT INSTRUCTIONS AND SIGNED BY ALL PARTIES FOR REVIEW TO EXPEDITE THE PROCESSING AND PREVENT LOST PAPERWORK AND DELAYS

2. TAKE COPIOUS NOTES OF PHONE CALLS, FAXES SENT AND RECEIVED, AND LETTERS SENT AND RECEIVIED AS THIS WILL COME IN HANDY WHEN THEY SAY THAT YOU WERE DENIED DUE TO MISSING PAPERWORK AND CAUSE THEM TO HAVE TO IMMEDIATELY REOPEN YOUR REVIEW

3. CALL THE BANK OR DEBT COLLECTOR AT LEAST ONCE A WEEK FOR A PROGRESS REPORT AS WE HAVE BEEN TOLD MANY TIMES THAT THEY DO NOT WORK THE FILE UNTIL WE CALL IN TO TELL THEM TO, WHICH IS A SHAME TO SAY THE LEAST

4. KNOW YOUR RIGHTS AND ASSERT THOSE RIGHTS TO GET WHAT YOU WANT OUT OF YOUR MORTGAGE ASSISTANCE REQUESTE AND IN LIFE...KNOWLEDGE IS POWER

I would be happy to elaborate for anyone that is in need as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com

Hello Dijmart, Brock D Smith, Paula MD, Mayers09, et al;

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

I too have had dealings with CitiMortgage on behalf of a client that experienced the same abuses that you all have experienced. He was granted a trial modification and made all his payments on time (they even drafted an extra amount that he did not dispute). Once the trial was complete, they told him to keep paying the trial amount but that no permanent modification has been granted. They further tried to hold my client accountable for trial payments after the trial was complete stating that he was "past due". His representative was named Jandry Fernandez and he was so abusive that even the managers agreed that his actions were in violation...but they never took him off the file even after violating the cease and desist countless times. We began filing complaints to both federal and state oversight agencies and what do you know, the full modification finally showed up after flexing our muscle!

You all have rights and it appears that CitiMortgage not only violated my client's right but yours as well. For more information on your rights, visit the CFPB website or feel free to contact us here at END Consulting to discuss your options and rights. Check out our daily debt show called "the daily complaint" where we target a complaint daily to review in an effort to provide solutions for distressed homeowners and credit card holders at www dot ENDDebtShow dot com.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com'
www.ENDDebtShow.com

Hello rhnull and other unhappy Nationstar customers,

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated. I commend you all for knowing your rights and give your further props for asserting your rights with government agencies; that is an excellent strategy!

You are unfortunately in good company with many distressed Nationstar customers that have been abused just like you all with regard to incorrect and manipulated account statements, misapplied payments, and modification games. All of the aforementioned are violations of the CFPB at face value but I'm sure that if END Consulting dug a little deeper, we could find even more violations in which to hold Nationstar accountable for their abusive and unfair servicing practices. In fact, Nationstar is under much scrutiny right now and the NY regulators have already demanded data from Nationstar per this article http://dealbook.nytimes.com/2014/03/05/n-y-regulator-raises-questions-about-mortgage-firm-nationstar/?_php=true&_type=blogs&_r=0.

When dealing with Nationstar, it is imperative that you get everything in writing and take copious notes as to your communication, both written and verbal, so that you can prepare a written timeline for the oversight agencies as well as for the Courts in the event foreclosure is escalated. As for the modification games, the new CFPB rules that were implemented on January 10, 2014 strengthen the protections for homeowners to prevent all of the aforementioned complaints from occurring in the future. Check out our daily debt show called "the daily complaint" where we target a complaint daily to review in an effort to provide solutions for distressed homeowners and credit card holders at www dot ENDDebtShow dot com.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com'
www.ENDDebtShow.com

Hello rhnull and other unhappy Nationstar customers,

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated. I commend you all for knowing your rights and give your further props for asserting your rights with government agencies; that is an excellent strategy!

You are unfortunately in good company with many distressed Nationstar customers that have been abused just like you all with regard to incorrect and manipulated account statements, misapplied payments, and modification games. All of the aforementioned are violations of the CFPB at face value but I'm sure that if END Consulting dug a little deeper, we could find even more violations in which to hold Nationstar accountable for their abusive and unfair servicing practices. In fact, Nationstar is under much scrutiny right now and the NY regulators have already demanded data from Nationstar per this article http://dealbook.nytimes.com/2014/03/05/n-y-regulator-raises-questions-about-mortgage-firm-nationstar/?_php=true&_type=blogs&_r=0.

When dealing with Nationstar, it is imperative that you get everything in writing and take copious notes as to your communication, both written and verbal, so that you can prepare a written timeline for the oversight agencies as well as for the Courts in the event foreclosure is escalated. As for the modification games, the new CFPB rules that were implemented on January 10, 2014 strengthen the protections for homeowners to prevent all of the aforementioned complaints from occurring in the future. Check out our daily debt show called "the daily complaint" where we target a complaint daily to review in an effort to provide solutions for distressed homeowners and credit card holders at www dot ENDDebtShow dot com.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com'
www.ENDDebtShow.com

Hello "Help with Permanent Loan Modification",

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated. We do a daily radio show called "the daily complaint" via www.ENDDebtShow.com for consumers like you to highlight abuses and for us to provide a path to the desired solution.

After reading your complaint levied against Nationstar Mortgage, I have some basic information that will put you on the path to holding Nationstar and Bank of America accountable for their actions. If you have further questions, you can find our contact info at ConsultingEND dot com or you can contact me directly via email at Dana at ConsultingEND dot com and we would be happy to discuss your options at no charge to you...we will even call Nationstar for you for free.

Regarding your complaint, both Nationstar Mortgage and Bank of America have violated your rights afforded to you (at a minimum) by the Dodd-Frank Act enforced by the CFPB with regard to mortgage servicing. On January 10, 2014, the CFPB implemented stronger protections for struggling borrowers via the Dodd-Frank Wall Street Reform and Consumer Protection Act (and ultimately RESPA) to include no surprises by the lender or servicer, greater transparency, no runarounds, and employing fair business practices. With that said, there are a few uncertain items that MUST BE addressed before you can proceed with holding them accountable as follows:

~ Did the modification that was entered into with Bank of America get recorded? This is important because if it did that it takes precedence over the prior note or mortgage terms and Nationstar MUST abide by those terms or they are in breach of contract just as they hold you to it when issuing a NOD

~ Where did the payments that you made to Bank of America get applied and have you made any payments that were accepted by Nationstar Mortgage? Neither Bank of America nor Nationstar can hold your payments in a suspense account unless it is clearly states on your trial modification or permanent modification paperwork (you will need to determine if you have a trial modification or a permanent modification and the terms will be key here that are stated on the paperwork as well as who signed the paperwork).

~ What exactly are you paying on at this point (your original mortgage or your trial modification)? If you nor Nationstar can come to an agreement about what you are paying then I would caution you to continue to pay on an agreement that Nationstar is not honoring because the monies might be funneled into a suspense account without being applied, which is in direct violation of the Dodd-Frank Act as well as other laws and statutes that are in place to protect you.

Again, you have rights and both Bank of America and Nationstar Mortgage are clearly violating those rights and they need to be held accountable for their actions as well as refund you any monies that were collected and not applied to your mortgage. You have to become your own detective to unearth the true story and motives behind the actions of servicers like Nationstar and lenders like Bank of America. Please contact us at END Consulting for more information on how to assert your rights with Nationstar Mortgage!

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for you as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email or via our website. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Dana Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.ConsultingEND.com
www.ENDDebtShow.com

Hi Dana,

Thank you for posting the complaint as I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Ocwen (the current biggest offender in the industry) but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. You were kind enough to email your complaint ahead of time so that we could share it on the air today at www.TheDailyComplaint.com and I know you have helped others just by doing so today.

With regard to your specific complaint, you certainly identified a number of substantiated violations that I feel would be best received by Kamala Harris, California's Attorney General, initially and that's where I would start but I would not stop there by filing complaints with HUD as well for RESPA violations. It appears that you have already filed complaints through the CFPB and I would stay on top of the responses because they can and should be disputed.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for you or anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Dana Shafman
END Consulting
Phone [protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com

Hello all!

dmmurphy, your complaint was one of my favorites because it truly sheds light on the fact that Nationstar representatives blatantly violate homeowner's rights on a daily basis without even knowing that they are doing it, which does not excuse the behavior. Also, there are so many violations compounded into one it is as if they just were trying to see if you were paying attention by throwing at you every violating thing that they could possibly do at once given your situation. How ignorant and abusive! Unfortunately, I have the privilege of dealing with Nationstar on a daily basis and I truly feel that they drain good brain cells from my head as they violate my client's rights under my nose.

Rachel Purkey Brown, I would first call the news to see if they will do a story because Nationstar is ridiculous and then I would look seek the assistance of your military legal assistance to get Nationstar to behave and utilize the Servicemember's Civil Relief Act (SCRA) if needed. That is just so violating let alone unfair and abusive! You have rights and you need to assert your rights either by yourself or by utilizing the resources you have at your fingertips immediately to hold them accountable.

Texas Chickie, your complaint is valid but Nationstar may also have the right to assess up to 1/6 or 2 escrow payments depending upon your state laws so I would check there first with your Department of Financial Institutions or ask a friend in the mortgage industry as they should know the parameters of the law. Inaccurate and unfair reporting is a violation of the FCRA so if they report you in error and refuse to change it then report them immediately to everyone.

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Dana Shafman / [protected] Ext 101 / Dana@ConsultingEND.com / www.TheDailyComplaint.com

Hello Lynette, Catherine, Lon and all other distressed Wells Fargo borrowers,

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" (thedailycomplaint dot com) where we review a complaint and how to tackle it successfully (we are reviewing your complaints on 5/13/14).

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Wells Fargo but you do have rights and I would be more than happy to educate you as to how to fight for your rights. You should absolutely familiarize yourselves with the CFPB as well as RESPA since many abusive practices are prohibited under these Acts and regulatory entities. You may also want to check into the resources available at the FDIC, OCC and FTC as they can be extremely valuable. We can help too!

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for any of you (or anyone reading this post) as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Hi Kimberly,

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen, Nationstar and Bayview are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Bayview but you do have rights and I would be more than happy to educate you as to how to fight for your rights. You can begin with the QWR and you can learn more about the QWR from the CFPB website. My firm (END Consulting) routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com.

Even though we do not generally have more than one or two files in our office with Bayview as their servicer, we have worked on numerous cases at Bayview and just like the many we challenge with Ocwen and Nationstar, Bayview is no different in their immunity to compliance. We challenge the debt from beginning to end due to the lack of compliance. My firm requests all the documentation that the servicer (in this case it is Bayview) uses against you to collect and we utilize those documents as leverage to file complaints against Bayview for illegal business practices to beat them at their own game.

You can contact me via email or website or via phone as I would be more than happy to contact Bayview on your behalf at no cost to you to determine exactly what is going on with your file. END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone reading this post as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Dana Leigh Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyCompaint.com

Hi Sandra, Teri and other distressed Wells Fargo/ASC customers;

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen, Nationstar and ASC are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of ASC but you do have rights and I would be more than happy to educate you as to how to fight for your rights. You can begin with the QWR and you can learn more about the QWR from the CFPB website. My firm (END Consulting) routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com

Our firm presently has a plethora of files at both Wells Fargo and ASC with many coming in complaining of RMA abuses such as yours. You can contact me via email or website or via phone as I would be more than happy to contact ASC on your behalf to determine your options moving forward. We challenge the debt from beginning to end due to the lack of compliance. My firm requests all the documentation that the servicer (in this case it is ASC) uses against you to collect and we utilize those documents as leverage to file complaints against ASC for illegal business practices to beat them at their own game.

You can contact me via email or website or via phone as I would be more than happy to contact ASC on your behalf at no cost to you to determine exactly what is going on with your file. END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

Know your rights and assert your rights! I would be happy to elaborate for anyone reading this post as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Dana Leigh Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyCompaint.com

Hi Kimberly and other Bayview customers,

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen, Nationstar and Bayview are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Bayview but you do have rights and I would be more than happy to educate you as to how to fight for your rights. You can begin with the QWR and you can learn more about the QWR from the CFPB website. My firm (END Consulting) routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com.

Even though we do not generally have more than one or two files in our office with Bayview as their servicer, we have worked on numerous cases at Bayview and just like the many we challenge with Ocwen and Nationstar, Bayview is no different in their immunity to compliance. We challenge the debt from beginning to end due to the lack of compliance. My firm requests all the documentation that the servicer (in this case it is Bayview) uses against you to collect and we utilize those documents as leverage to file complaints against Bayview for illegal business practices to beat them at their own game.

You can contact me via email or website or via phone as I would be more than happy to contact Bayview on your behalf at no cost to you to determine exactly what is going on with your file. END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone reading this post as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Dana Leigh Shafman
Managing Member
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyCompaint.com

Hello INgreenwood and other victims of Ocwen's fraudulent abusive and violating behavior,

It certainly doesn't surprise me that after Ocwen just settled a $2B lawsuit in December, they are back to their old, comfortable violating ways to force false foreclosures and commit mortgage fraud by padding escrow impounds. Here is the link to the settlement: http://www.consumerfinance.gov/newsroom/cfpb-state-authorities-order-ocwen-to-provide-2-billion-in-relief-to-homeowners-for-servicing-wrongs/.

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated. Basically, you need to "know your rights" in order to fight debt collectors like Ocwen and to "assert your rights".

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Ocwen (the current biggest offender in the industry) but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the radio show today if you would like to listen, visit www.TheDailyComplaint.com.

Our firm presently has many files that we are working on at Ocwen with many more coming in daily complaining of the same escrow servicing fraud and abuses such as yours. In fact, I have at least half a dozen cases in my office right now that we are working on that also have escrow issues and we receive at least 2 or 3 calls per day on this topic; we beat Ocwen at their own game daily by referencing consumer protection laws and employing the help of government agencies that oversee the industry like HUD and the FTC.

You can contact me via email or website or via phone (all contact information is below) as I would be more than happy to contact Ocwen on your behalf since we speak with Ocwen on a daily basis to ensure the rights of our clients are not further violated. In fact, END Consulting (my firm) is working with an Investigator for a NY Law Firm that is seeking participants for a class-action lawsuit against Ocwen (Nationstar possibly as well) for escrow violations for those of you reading in this situation; I can put you in touch with him immediately if you want to send me an email.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END...

Genuinely,

Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com

Hello justifiably disgruntled LoanCare customers,

It certainly doesn't surprise me that you all have posted complaints about LoanCare since I have had the pleasure of dealing with LoanCare on behalf of a Chicago client for all of 2013 until we leveraged our client's file to get a loan modification on a property with equity; it was truly a battle! You all have consumer rights that provide protections for struggling borrowers afforded you, most recently through the Dodd-Frank Act. On January 10, 2014, new protections went into effect under Dodd-Frank/RESPA that protect all of you while you restructure your debt (loan modification) with your mortgage lender or servicer. You can learn more via the CFPB http://www.consumerfinance.gov/newsroom/consumer-financial-protection-bureau-rules-establish-strong-protections-for-homeowners-facing-foreclosure/.

I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like LoanCare, Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated. Basically, you need to "know your rights" in order to fight debt collectors like LoanCare and to "assert your rights".

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of LoanCare but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the radio show this week if you would like to listen, visit www.TheDailyComplaint.com.

LoanCare can be beat at their own abusive game daily by referencing consumer protection laws and employing the help of government agencies that oversee the industry like HUD and the FTC. The FDCPA also mandates how lenders and servicers can contact you and covers "harassment" and "deceit" in communication, so you may want to read up on the FDCPA.

You can contact me via email or website or via phone (all contact information is below) as I would be more than happy to contact LoanCare for any of you at no charge to obtain a true file status. In fact, END Consulting (my firm) is working with an Investigator for a NY Law Firm that is seeking participants for a class-action lawsuit against lenders and servicers for escrow violations for those of you reading (they are also open to examining other class-action lawsuits that are presented); I can put you in touch with him immediately if you want to send me an email.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END...

Genuinely,

Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com

Hello VanVeck,

You are on the right path so keep doing what you are doing! With that said, I have a few more suggestions for you as to how to put this matter to bed for good. I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Wells Fargo but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.

It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Wells Fargo but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the show today if you would like to listen, visit www.TheDailyComplaint.com

Now that you have evidence that neither your taxes or insurance have increased, it would be best to know the exact laws that Wells Fargo has violated (start here with HUD & RESPA http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/ramh/res/respafaq) then to put it all together in a qualified written request (QWR) to Wells Fargo so you have it all documented for now and in the future in case you need to do it all over again, which is too often the case. The actions of Wells Fargo are a violation of your consumer rights as well as Federal law. Therefore, you must "know your rights" as I say many times through the radio show (www.TheDailyComplaint.com) and as I did today when we covered your complaint.

You can contact me via email or website or via phone as I would be more than happy to contact Wells Fargo on your behalf since we speak with them on a daily basis to ensure the rights of our clients are not further violated. In fact, END Consulting (my firm) is working with an Investigator for a NY Law Firm that is seeking participants for a class-action lawsuit against Ocwen (they have agreed to consider other companies and cases as well) for escrow violations just like yours; I can put you in touch with him immediately if you want to send an email to me at Dana@ConsultingEND.com.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana at ConsultingEND dot com or via the web at ConsultingEND dot com. I have had the pleasure of restructuring millions of dollars in debt and helping hundreds of homeowners...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END!

Dana Shafman
Managing Member/Owner
END Consulting
[protected] Ext 101
Dana@ConsultingEND.com
www.TheDailyComplaint.com

Hello LDRN and other violated Nationstar, B of A, Countrywide homeowners,

You are on the right path by calling every three (3) days to hold Nationstar accountable for their actions so keep doing what you are doing so that you can build a strong case to leverage against Nationstar to get what you want and need to make the mortgage affordable! With that said, I have a few more suggestions for you as to how to put this matter to bed for good and how to assert your constitutional and consumer rights through the process. I routinely look for posts to answer in hopes that it will not only bring optimism to those homeowners and borrowers in distress but also some basic information to assist in fighting the banks that are "too big to fail" like Bank of America but yet don't appreciate the bailout that we provided in their time of need. The debt collectors like Ocwen and Nationstar are simply just ### but they can be beat at their own game too just like the big banks can be defeated.
It pains me that you have fallen victim to the unfair, deceptive and abusive practices of Nationstar (one of the current biggest offenders in the industry) but you do have rights and I would be more than happy to educate you as to how to fight for your rights. My firm routinely seeks out complaints online so that we can educate as to how to fight back on our weekday show called "The Daily Complaint" where we review a complaint and how to tackle it successfully. We reviewed your complaint on the radio show today if you would like to listen, visit www.TheDailyComplaint.com

Our firm presently has many files that we are working on at Nationstar with many more coming in daily complaining of the same mortgage servicing fraud and abuses such as yours. In fact, I have at least half a dozen cases in my office right now that we are working on that also have RESPA and Dodd-Frank (CFPB) violations preventing them from modification and threatening foreclosure; we receive at least 2 or 3 calls per day on this topic. We are pleased to state that we beat Nationstar at their own game daily by referencing consumer protection laws and employing the help of government agencies that oversee the industry like HUD and the FTC.

You can contact me via email at Dana@ConsultingEND.com or via the website at www.ConsultingEND.com or via phone (my full contact information is below) as I would be more than happy to contact Nationstar on your behalf to determine the status of your loan as well as what options exist for you as a borrowe/homeowner...free of charge to you! Since we speak with Nationstar on a daily basis to ensure the rights of our clients are not further violated, they are extremely familiar with END Consulting and the fact that we know our rights so any violations will be promptly addressed.

END Consulting is a full service strategic debt and credit consulting firm started in 2006 with expertise is debt negotiations coupled with an exceptional track record of strategic consulting to include the real estate industry with a formidable business foundation. We have successfully assisted well over 100 clients in the past year alone in achieving desired results with regards to their mortgage loan(s) by stripping down the validity of the debt and forcing the lender or servicer to work with our clients to provide ethical, legal and affordable mortgage workout solutions. The results that we negotiated for our clients were not on the table for most when we took on the client as it took regulatory muscle and aggressive communication to achieve the desired debt restructuring resolutions.

I would be happy to elaborate for anyone as we always offer free consultation until we can determine if we can assist you to include contacting the bank and/or servicer for you for free to uncover the options that exist for you in this situation. You can reach me via email at Dana@ConsultingEND.com or via the web at www.ConsultingEND.com. I have had the pleasure of educating hundreds of homeowners on their rights and how to assert them to get what they want...my firm is exceptional at what we do!

Every new beginning comes from some other beginning's END

Respectfully,

Dana Shafman
Owner/Managing Member
END Consulting
[protected]
www.TheDailyComplaint.com
www.ConsultingEND.com