Aug. 06 we had high hopes. $ 350, 000 at $64, 000 down and another $7, 000 to close escrow. I trusted my lender; I'm no financial genius. I asked for fixed at $1700 a month. He said could'nt be done. But he did say an option ARM would work by defering the interest. A three year option ARM, stated income, $4800 high yield premium. Yes I now learned this was totally bad loaning practices by my lender. I did'nt even know what defering meant just to show you an example of my knowledge.
Anyway, I'm sure you all know how this will work. After the first year, I tried listing the home but A.H.S.I. said I have a pre pay penalty for 2 years. I tried to remove it but they said no.
I waited another year and tried to refinance. But they said no. No equity left. You need to bring money to the table.
Nov. 08 I called asking for a loan modify. I honestly thought maybe I could negotiate a new loan to where I could at least rent out the home until things got better since I work construction. They said fax over your docs...I did... I waited... Dec. 1st I called. and they said I never sent anything.
Mid Dec. I got coached into a loan modification company.
They told me to stop making payments but I disagreed.
January went by while I talked back and forth with Licensed modify company and by Febuary. I thought by now something should be in the works.
Feb. 24 YES! I got a call from A.H.S.I. Some woman obviously from Inda demanding payment. I said I'm in the middle of a loan modify. I would like to check the status on my loan. She said, "As soon as you make a payment I'll connect you." I did. She hung up on me. I callled and called getting nothing but auto responses. It's amazing how when they want payment your home phone rings followed by your cell phone two seconds later.
Now March 11 I got a letter from A.H.S.I. telling me to wait 30 days for loan answer. My loan modify company wont return calls.
According to everyones articles nothing positive will ever come out of this, as to A.H.S.I. will manipulate modifying loans to their favor making matters worse. I can easily forsee that they're buying time just to collect as many payments as they can and then calculate late fees and interest to add to the new principal.
Can anyone months ahead of me give the future out come. I know it 's all negative. But I'd like to know what I'm in for.
If your a victum of fraud.
Your best defense so far is to perform a mortgage audit.
I'm using "Mortgage Audit Services"
or go to www.mortgagewars.com
Recommended first before hiring lawyer.
Your best defense so far is to perform a mortgage audit.
They will get all the loan work for you and locate the fraud for a low cost. Then you will have all the paper work ready to present to a lawyer.
go to www.mortgagewars.com
Recommended first before hiring lawyer.
I had tried making contact since November with no luck. I tried a Loan Mod co. that ripped me off. If you don't quailify for Obamas plan and Hope For Homeowners and HUD counclers can't help, and your in a adjustable or Option ARM, then you may be a victum of predatory lending meaning your in a loan you could never afford in the first place.
I looked into doing a mortgage audit so far. My auditor explained, fat chance on getting a loan mod because I never qualified for the loan in the first place. Best news I ever got. Someone being honest. If this is you, I recommend going straight to doing a mortgage audit. Low cost to find out if your a victum. This is one place I found. www.mortgagewars.com but I hired "Mortgage Audit Services"
They will get all your loan work for you and locate the fraud for a low cost. Then you will have all the paper work ready to present to a lawyer.
This is also a cool stress releif article I found on foreclosures called "Homeowners Don't Get Left out in the Cold."
http://www.huffingtonpost.com/iris-martin/homeowners-dont-get-left_b_190346.html
Doing what I can to help. Good Luck.
Ha ha ! I just got my email and they offered 10, 500, 000.00
I think I'm going to foward it to my mortgage lender and have them collect it.
Send it to your mortgage lender. Tell them you can make the payment
Please take all the e-mail spam scams along with my broker and lender, the modification rescue companies, the free gov. money scams and single websites invading craigslist. top it off with ford ansd all the judical judges that choose to be passive over setting presedence (it's wasted tax payer money). package them into a fraud pool and send them to the bottom of the ocean along with the nuclear waste. will let other generations figure out what to do with them. this generation is currently too full of greed.
Wow. With that much typing of crap maybe they can get jobs writing new bills for Congress.
Yes the hard part is dealing with dumb ### like Bob the Builder. I'm sure will all get a kick out of it when his day comes.
Good for you Mr. SMUG- BobtheBuilder. As to when your day does come how do intend to explain your unemployment to your lender due this economic collapse. What will your recourse be.
Hey Bob, again your uneducated, Smug, and a pretender to know it all. I can think of hundreds of ways you'll soon be taken. How do like that state 10% tax increase dum ###. Don't forget because of all this you too have to pay back all that bail out money. But an idiot like you believes it went to a good cause. Wake Up!
You bore me Bob. And your not worth the effort to comment on. You just want to spend your days picking fights on subjects you have no involvement in. If you looking for attention might I suggest you go back to your porn sites and pay another girl or guy to talk to.
AMHSI has already had their license in Calif. pulled by the Department of Corporations as of Feb. 09. I have now turned my loan over to the District Attorney to investigate.
The only reason I can think Bob the Builder is here is because he has something to do with these fraudulant loans. If so, too bad Bob. I already turned you in.
I've read all these pages twice and now I'm pissed off at what's going on.
1. The slander accusations and lawsuit. Yes, that was childish.
2. Pretending to be an F.B.I. agent "John McKay" That was ridiculous.
3. "Neutral Consumer" Who is only inquiring about USLA seems to much to say about the services. Must be on the phone constantly having impartial discussions with his buddy in Florida.
4. Bottom of page 4 ( Jordan Henderson) and top of page 5 (Brian Carlton) share their positive experiences with USLA. Yet both comments are posted by "JHener12" BUSTED!
5. Now we have "Interesting Articles." It is my suspicion this is an attempt to clogg up this discussion forum by changing the subject matter at hand. I can't fully clarify that yet since he discusses mortgage audits and audit software in which USLA does use.
It is only by people doing Internet searches by typing in a companies name followed by "scam" are the ones ending up at these forums.
It's a freedom of speech, rights to assemble, and rights to protest.
I am advising you to seist and desist from taking anymore manipulative or creative actions against this forum and or causing any other deterrences.
I'm largely upset to be reading such posts. I have much to ad in my own experience with your services and will be posting soon. I'm extremely disappointed to have to become fraud investigators investigating fraud investigators.
Need_Help,
I didn't find your mocking comments funny either. I apologize. I'm also self-employed, unemployed, (no benefits to claim) for over a year now. This to me is a high stress serious discussion. Like I said I'm pissed off! Defining mortgage fraud is either "Constructive fraud"- meaning to make plans to decieve. Or "Actual fraud" the proof. Upon filing a response to the Unlawful Detainer, I gave up and went straight to the District Attorneys office. In less than a minute. A Minute! She looked at my mortgage docs and pointed out my signature wasn't on the income loan application. How's that for a Fraud Investigator. Less than a minute and no fees. You see, I and some people didn't sign up to have our lives ruined by all this. It's not funny when you go from having a good business and home to being broke unemployed, and homeless in less than a few years. I don't want to yet get into details. The District Attorney explained there no way she could stop the foreclosure. That's fine because I'm already foreclosed. California (non-judicial) . I couldn't understand why you attacked me when I mentioned nothing of you. So again, I do apologize for the remark if your being sincere.
Ya, I respond by coping & pasting any century old latin manuscript text I can fine.
Confuse the heck out of them; make them think. I does'nt work they just keep sending.
Oh, Come on. Bugs are protien. Should have charged you more...kidding.
Where the bugs harmful or was it just gross?
FatMike,
Iv'e seen some of your one sided statements on other websites. And you've only posted one complaint on this site so I'm assuming you're just passing by never to come back.
So, if your a broker, loan officer, or fraudster it's too late in the passsing years to play the home owner criminal card. Give it a rest. Granted there have been many of borrowers who played it as a game. But the the scams are mostly from all who had knowledge in the realestate-financial industry.
Here a little video to educate you.
http://www.youtube.com/watch?v=6khYSTqHrqM "Road to Ruin: Mortgage fraud brewing scandal"
Oh and don't try the "This is only one company excuse." -Mortgage Fraud could only be comunicated nation-wide by brokers talking to brokers via the internet.
If you like to learn more without trying to study. This one is cleaver.
http://www.youtube.com/watch?v=ljHjZpC7bnc " Mortgage Servicing Pie"
And plus Mortgage fraud-Dateline NBC-"Inside the financial fiasco" Part 1-6 on U-tube if you actually got an hour to kill.
FatMike,
I have spoken with many of lawyers and for the most part they say it is going to be a long and expensive process but they are willing to take on the cases. But as I said before I took my docs over to my Disrtict Attorney to be look at. As in the video-"Road to Ruin" - it aint no lie that these incomes were increased behind the borrowers back up to three times. So it always rubs me the wrong way to see post about legal responsibility when some borrowers were truly decieved. All we can say is yes judges have to look at what was signed but they also have to do the math as well and acknowledge there is just no way this loan should have ever been processed.
Anyway, I would love to get into the specifices and openly discuss the merits of what actually consitutes fraud in a loan. But I'm sure if we started Need_Help will wipe down the podium and brush off Mr. Barkers suit so he can make another speach.
WoW! Some morning this is turned out to be. See I am a client also. You didn't really think I was posting for my health. I did say over a month ago USLA uses lame computer audits. I wasn't kidding. alethia.now - you said it. Went through exactly everything you said. I'm mean exactly. They say anything do nothing. They advertise themselves as lawyers and send out a copy of Jim Sandersons credentials to demonstrate proof. Anyone else get a copy? They say they have "in house lawyers" but you'll need a loan investigation performed first prior to speaking to one. And they do advertise stopping the foreclosure.
So YES, tried to get attorney representation but instead watched my auction date come and go as my home got sold to another bank. And I faxed over every notice sent from my lender prior the auction. But I'll I got were e-mail copies for Trish to file. Did ya file my "Notice of Trustee Sale" Trish? Good Girl.
After the the auction they say they tell their clients how to respond to the Unlawful Detainer but when the Detainer notice arrives they say we no longer provide that. That it conflicts with are lawsuits. What lawsuit! Months go by and I haven't even spoken to an attorney yet. Or maybe I have? You just don't know for sure who your talking to.
So today I recieved my eviction court date. March 19th. I had taken in older homeless woman, now weeping with no place to go. What can I say. As I posted before I gave up on USLA and went to my D.A.'s office for help. But they told me they can't stop a Calif. foreclosure. And unemployed for over a year and I was planing on using my savings to pay USLA but I'm glad I wised up to that. Sure I thought too USLA had good intentions but now look what happens when your goal is to just gather up clients.
Moving on. My question is...Are USLA foreclosure consultants?
See Civil Code Section [protected].11 A MUST READ
http://info.sen.ca.gov/cgi-bin/displaycode?section=civ&group=02001-03000&file=2945-2945.11
2945.1. The following definitions apply to this chapter:
(a) "Foreclosure consultant" means any person who makes any
solicitation, representation, or offer to any owner to perform for
compensation or who, for compensation, performs any service which the
person in any manner represents will in any manner do any of the
following:
(1) Stop or postpone the foreclosure sale.
Now lets look at the video commercial...
http://www.youtube.com/watch?v=bdVkjV6rBQs
Stop the foreclosure you say?
For now I'll let others read the statue and let them decide. Wouldn't want to suck up all that slander for myself at a complaints board.
100% Right in connection with my story alethia now. That's why I gave up and went to the D.A.'s office for help. Can't imagine what I do if I kept using the last of my savings up till today.
What was I paying USLA for when I had to go file and pay for my Unlawful Detainer Response. That's all the red flag of confirmation I needed. And I to was pissed off coming here a month ago reading all these post.
You could and should report to the A.G. website but they just take the info and tell you to seek an attorney. But foreclosure consulting is criminal. I'm sure we do'nt need to down the list as per Calif. civ. [protected].11 It's been on the books as far as I've found to 1998 but it has been amended as of July 2009 which is the link I left. Arnold Schwarzenegger and Jerry Brown were'nt just announcing it, they were enforcing it.
Refund or no refund it does'nt matter after you've lost your home. You don't need to create class actions or lawsuits. I guess you can if you like. Just as USLA, I'm not a lawyer and so on or whatever. I mean think about it. Does a victum of rape hire a lawyer for criminal charges?
Also you don't need to post or reveal your true name here. You can if you like but it's not going to make a damm bit of difference to anything.
Plus do'nt rush off USLA to remove that commercial. I already down loaded a copy.
Well Need Help, I listened. I learned. And I followed thru. I actually believed your posts at first and I felt concerned and sorry for you. I tried to "pay it forward" to you to. I tried to say take caution before signing up.
But I don't understand your being SAVED point. And you obviously know a lot about my case. This does make you an employee. Yes, I had a prior audit done. But my orginal auditor wasn't a lawyer so I still felt I needed one. What else was I suppose to do while in foreclosure? So I contacted you guys. And your sales person would'nt allow me to talk to your "In house" attorneys until I had one of your forensic audits performed. So again what else was suppose to do. And I sent you a copy of my original audit so whats you point to having two audits done. You guys pointed out my first one was no good but it covered a hell of lot more than what yours did.
Oh ya by the way Need Help, Why for the past twenty days you were putting up so many posting looking for real clients to speak. When you know we spoke on the phone over a month ago?
FatMike,
Hold off there. Salmondean is for real. There's been a lot of postings today. You have to go back a few pages and see.
As far as I've gotten fraud is in the numbers. Here's a quick start on what to look for. This is the key.
http://borrowerclaims.blogspot.com/2009_08_02_archive.html
With my first audit, since I unfortunatley had two done, the first Auditor look over my taxes and said I did'nt even make enough money to open up a candy store. He said he had no idea how I got into this loan. He asked where is the loan application? I did'nt have it. He said call the Escrow/Tittle office to get copies (under Fed. law all loans must be on file for a minimum of 5 years). I called both local and corporate and nothing more than one page was found.
He sent out a Qualififed Written Resquest to my lender ( again under Fed. law(a letter you can mail out yourself for free). But I felt it was better to have him do it. So he typed up and excellent request and my lender reponded with - "These are in house docs. We do'nt have to release them" And some of you may already know it's 20 days to acknowledge and 60 days to respond but my lender took four months to reply. My auditor from the start told me I was going to lose the home. He said he could'nt do much more for the audit since we could'nt get any financial copies. But he also said he was'nt a lawyer.
So with all this and a N.O.D. in hand I felt I needed to seek a lawyer. Is'nt that what all are mortgage docs and notices say we need to do. So, that's how I ended up with USLA. Their salesperson said with their lawyers they were getting docs. from lenders in as little as ten days. We'll how can I argue that. Time was of the essence for me.
Not going to get into details about correspondences with USLA. The comments here speak for themselves. So with the big waiting, lack of service and filing my own Unlawful Detainer I gave up and talked with the D.A. Yes, my complaint was denied at first stating lack of evidence. The copy I went and got with the fraud income was only a copy. D.A. said, " When you went to sign finial copies at closing you verified everything to be true and correct." Yes. That's true. So where are they? Remember I tried to get copies. So that's where I am today. We are still looking.
So that's the best I can offer. What other challenges are there? One minor missing page? One unspoken disclosure? These are minor violations. Such as Tittle 12 Chap. 49 "Home Owners Protection" Did the lender in writing inform you that you were taking out a high risk loan and that they notified you they were taking out a mortgage insurance policy out on you. No they did not. So what. Minor violation of maybe $2, 000 Check the link yourself...
http://law.justia.com/us/codes/
So my point is how many violations do you have? Are you going to spend $20, 000 or $30, 000 just win maybe $6, 000 and still be in the loan?
Better advice. Not from me since I'm not a lawyer is...
http://timothymccandless.wordpress.com/sue-your-lender-really-what-for/
He is a lawyer and he doing what he can to teach you for FREE
Anyway, just like you I did'nt ask for all this. I made the same phone calls and go ### in return. Now I could careless about waiting and being optimistic. I could careless about fake profiles and who is who. And I could careless what Jerry Brown is endorsing. He's not in foreclosure and he is not a USLA client. I think if he was here. He'd be pissed!
Make sure your carrying full coverage and sale it! My 2017 F-150 had the crusie control recall fixed and my truck still burned to the ground while driving. Same burning plastic smell in the cab. Took Ford to small claims because you need to have a personal injury for any lawyer to consider. In small claims Ford said they never got the chance to look the truck over. They lied. They never bothered to come out and I had to send pics to them. And they sent a letter saying too much damage to investigate. Judge was too afraid to do the right thing. He said case dismissed lack of evidence. You can't fight a corportation.
go to... http://www.consumeraffairs.com/news04/2017/09/ford_fires_continue.html
You'll be shocked by the list of stories. Good luck.
