US Loan Auditors review: Company reviews 884

FYI, ATTORNEY, SHARON LAPIN, WILL BE IN SANTA CLARA COUNTY SUPERIOR COURT TODAY 8-24-10 AT 130PM DEPT 9

CASE MNGMNT CONFERENCE FOR THOSE WHOM MAY WANT TO SEE HER?

SINCE YOU CAN NEVER GET HER TO CALL U BACK OR ANSWER YOUR CALLS?

GO TO THE SOURCE IF THIS IS IN YOUR AREA.

THERE'S ONE WAY OF GETTING A HOLD OF HER!

Hey all. I got another junk mail from USLA. The same letter that most of us received to lure us in.

"CERTIFIED DELIVERY" "PREDATORY LENDING INVESTIGATION" WITH THE ENCLOSED
"us loan auditors applauds calif a.g. jerry brown's crackdown on phony loan audit scammers"

they have already taken all of my cash, made me to lose my homes, yes homes, and wasted my time and hurt my family. So, maybe they thought that I moved from this home and they can scam the new homeowners? why else would they send another letter?

It states at the bottom get a free initial consultation for my mortgage loan or watch some testimonials at their tv site (satisfied customers) what satisfied customers. lets interview these same people NOW and see what they have to say since time has passed. I bet they wont be so satisfied NOW ! HUH? What about that?

Actually, it had my name and some (I-D Number) so, they are sending things out from their own client list? I dont know, its weird. But nothing they do makes sense.

BTW Sandison has not had hir R.E.A. License for very long. In fact, I think it was just before this venture started.

Filed the report with the Sacramento D.A.'s office. They contacted me and said the case is being handled by the CA. State Bar Assoc. and The Dept. of Real estate. I filed complaints with both, got a call back from Dept. of Real Estate and they stated Ca. State Bar Assoc. will be the ones taking USLA down. Please file your complaints with the State Bar Sacramento, they have to be stopped. Best luck to everyone.

This is a SCAM. First for all under NEW LAWS no company can take up front fees for loan modifications, so these guys call it an "Audit". If it is NOT a scam, then why does the ONLY document I receive from them say "final notice". If they are legitimate, where is the CONTACT NAME on the documents sent? Does ANY LEGIT agency send you something without a contact name?

Lawyers have been DISBARRED for taking MONTHLY PAYMENTS for doing NOTHING. Dont' be fooled. It is a SCAM. Since when is a Court Division a daym telephone number.

If you have $1000 per month to pay scamsters, you can work out you loan mod all by yourself.

THey go thru court records, then send their phony fliers in the mail. DON'T FALL FOR IT. They may SEEM to do someting for one or two people, or perhaps have their own people posting here.

I got one and streaded it. Obviously, they did no know this matter is ALREADY in litigation.

Remove me from your mailing list, I am saving all the mail from scamsters to present to the FEDS for investigation.

Did you all know that the sales reps also known as the fraud investigators are now getting made hourly and commisson? Wonder why? They know they were doing something wrong! Did you hear about theis case? Bank of America vs US LOan Auditors Guess who won? Bank Of America! YEAHHHHHHHHHHHHHH!

DavidP11

Thank you DavidP11 for your information.
We would like to fill the Fraud report and file with the Sacramento D.A., but not sure what to get to the summary of Facts.
Also, We're planning to call Mercer Legal for help.
Please let me know thru my e-mail @ fourds2000@aol.com.

DavidP11
Thanks for the info. Filling with the Sac. D.A. right now.

Thank you for the information DavidP11, I just filed my fraud report with D.A.'s office also. Hope they can help with this my liar was Roland Sison.

http://www.kfbk.com/cc-common/news/sections/newsarticle.html?feed=172730&article=7456254

Go the site, you can download the forms, this is the most proactive thing you can do right now.

Do it!

Anyone working for usla now, deserves to be put in jail. Expose the scam, expose the sales agent, my liar was Ty Williams.

http://www.kfbk.com/cc-common/news/sections/newsarticle.html?feed=172730&article=7456254

Mortgage Fraud Targeted

The Sacramento County District Attorney has set up a new task force to take down fraudulent mortgage schemes.
By KFBK's Rob McAllister
Monday, August 9, 2010

Listen to the report

The most popular trick these days are scams that promise to find the errors in loan papers. To combat this problem, the DA's office and the Sacramento County Sheriff's department have teamed up to form an investigation and prosecuting unit that aims to put criminals in jail sooner. The team is being paid for through filing fees assessed through the county clerks office.

The Sacramento County District Attorney's office has fraud report forms available online.

I agree, after losing over 12 thousand (and my home) I got a wake up call too...
I hope they get what they deserve in the end- jail time!
My lawyer was Sharon Lapin, http://members.calbar.ca.gov/search/member_detail.aspx?x=165919
she is in Estate Planning/Probate Law so why is she hired to represent a predatory lending case? I guess another Craigslist lawyer right?
I just finished filing complaints with Dept. of Justice- Attorney Generals office, Dept. of real estate, Ca. state bar assoc. and are in contact with
Mercer Legal
770 L Street Suite 950
Sacramento, CA 95814
916.361.6022 Telephone
916.361.6023 Facsimile
mercerlegal@me.com
for the class action lawsuit. They have done this to too many and I hope all of us get some justice in the end.

fourds2000
But do they specialize in Real Estate Litigation? The attorney assigned to us by USLA does not. They get them on craigslist, come on! Thats the scam! Read through the complaints again. The class action lawyer DOES specialize in Real Estate Litigation & fraud to name a few.
PUTANGNAMO is right but you also got to respect the scam it bite's! I didn't and I trusted USLA and got burned for 11k but I definitely got an education on how to select a lawyer...Talk to a LAWYER and check everything out about them.
Also check website http://dockets.justia.com if your case was in federal court or the doc's to see what court and go to their website.
Good Luck & Thanks for the info!

PUTANGNAMO

We lost our home in San Diego, and there's a case filed in the county of S.D.
We also send an e-mail to the lender/servicing company to inform them the case no. filed.

How do we know if the litigation or case was dismissed or closed?..

FYI, Our attorney assigned wanted us to find another attorney to substitute her.

I wanted for it to say:
Good Luck to everyone, It was worth it to file the small claims case

Just wanted to update everyone with my case

I settled out for $4100 before we even seen the judge. I just didn't want this to drag on forever thru appeals because I know I would have won and they'd appeal
I was very prepared. The guy they sent was polite but really had no idea what was going on with me.
I had to sign and general release (so I believe I can not be a party to the class action suit) and let the BBB know we have resolved the issue.
I paid them $6200 for the audit and legal fees
So, I got 2/3 back
They Paid the next day
Really, I'm glad to be done with this
Good Luck to everyone, It was worth it to file the small

csc3325ban:

what is this url for from above? is it the class action lawyers info?

thanks

http://www.jmglawoffices.com/contact.htm

fourds2000

check wesite: http://cbs13.com/consumer/call.kurtis.us.2.1833285.html and click
class action lawsuit: http://static.cbslocal.com/station/kovr/docs/2010/7/foreclosuresuit.PDF
It is a class action lawsuit so I didn't check their BBB rating? Here is the website I found:
http://www.jmglawoffices.com/contact.htm
I sent an email to mercerlegal@me.com and gave them my info and I filed 2 cases in small claims court yesterday in Sacramento County. I'll post the date when we have our day in court.
Keep fighting!

CSC3325ABN

Do you have Mercer Legal site address?...What I need ( if they have ) is an internet site.
I'm getting Mercer University in the internet, and I can't find their site.
Are they BBB member?...

ALL of the cases listed on MY US LEGAL were either DISMISSED OR CLOSED...

and most of the homeowners lost their homes.

THIS IS A TRAGEDY.

Sharon Lapin, a contracted MY US LEGAL attorney, with a history of disciplinary actions, had many cases.

Yeah, it was posted.

Mercer Legal
770 L Street Suite 950
Sacramento, CA 95814
916.361.6022 Telephone
916.361.6023 Facsimile
mercerlegal@me.com
Please call or email

Yes, I agree with you that US Loan (Fr)Auditors/MY (Il)Legal Services has not filed a single case but the scam is on their web site http://www.myuslegal.com/recent-cases/ Tran et al v. Indymac Federal Bank et al. That's how they market the scam by trying to look legit and James Sandison's new PR firm telling him to have a blood donation? They took our money and now they want our blood! I can't believe he was a Sheriff? A law enforcement officer? It is all a scam and a good one at that but it is still a scam and unlawful. Shane Barker and James Sandison see http://ag.ca.gov/newsalerts/release.php?id=1774
You are breaking the law.

Do you have Mercer Legal site address?

I conducted a search for cases under US Loan, but only found where they are being sued, not any cases they actually brought on behalf of a client. There could be many filed by lawyers that were "assigned" by US Loan or US legal, but you'd have to check under each individual homeowners names, or their lawyers names to locate them. I don't believe they have actually filed A SINGLE CASE in federal court on their own, using their corporate name or entity.

Here is another case which is on their web site http://www.myuslegal.com/recent-cases/
Tran et al v. Indymac Federal Bank et al. Click on Case Number: 2:2010cv00078 it looks
like they dismiss this case and the other's are locked and you can't view without a Pacer account.
I wonder if US Loan (Fr)Auditors know that they have a case that they lost still on their deceptive
website? That scam got us and don't let it get you! Also the attorney is Sharon L. Lapin.

Here is another case which is on their web site http://www.myuslegal.com/recent-cases/
Tran et al v. Indymac Federal Bank et al. Click on Case Number: 2:2010cv00078 it looks
like they dismiss this case and the other's are locked and you can't view without a Pacer account.
I wonder if US Loan (Fr)Auditors know that they have a case that they lost still on their deceptive
website? That scam got us and don't let it get you! Also the attorney is Sharon L. Lapin.

Thanks for the information on Mercer Legal. I have called them and gave my history on USLA/My US Legal Services scam. I have also gave my brothers information and the lawyer who is still with USLA, Nia Woolliscroft-Hildreth. Did anyone go to today's hearing? If so, what was the outcome?

Mercer Legal
770 L Street Suite 950
Sacramento, CA 95814
916.361.6022 Telephone
916.361.6023 Facsimile
mercerlegal@me.com

This is the lawfirm that is handling the class action lawsuit against USLA, they will need contact information for everyone victimized by USLA.

Just wanted to remind those of you that can make it -

Small Claims court against US Loan Auditors and US Legal Services

Thursday August 5 @ 1:30pm

Carol Miller Justice Center
301 Bicentennial Circle
Sacramento, CA 95826

Here's more...

http://www.prweb.com/releases/2010/07/prweb4284954.htm

Last paragraph reads...

"Hundreds of US Loan Auditors customers have gained the leverage they needed
to file lawsuits that have helped some of our clients reduce the principal balance
on their mortgage, lower their interest rates, decrease their monthly required payments,
stop creditor harassment and some clients have even been able to stop foreclosure proceedings.
Of course, the results may vary and are dependent on the facts around an individuals circumstances.
Best of all, an initial consultation is absolutely free."

I wonder how they were to do all that after sending me my audit a month after my home auction?

ALL THE ATTORNEYS INVOLVED IN THESE FRIVOLOUS PREDATORY LENDING LAWSUIT CASES NEED TO BE INVESTIGATED, INVESTIGATED, INVESTIGATED, TOO.

SHARON LAPIN
JONATHAN STEIN
TIMOTHY O'CONNOR
CATHERINE KING
(THERE ARE MORE ATTORNEYS)

IF YOU KNOW THE NAME OF THE ATTORNEY MY US LEGAL REFERRED YOU TO...PLEASE POST IT ASAP ON THIS BOARD.
MESSAGE EACH OTHER IF YOU HAVE THE SAME ATTORNEY AND CONSULT A CLASS ACTION LEGAL MALPRACTICE SPECIALIZED ATTORNEY, ETC.
CLASS ACTIONS MIGHT BE TAKEN ON A CONTINGENCY BASIS BUT GET LEGAL ADVICE...DON'T FORGET TO CHECK THE ATTORNEY'S LAW LICENSE...WWW.CALBAR.ORG

THEY KNEW THESE CASES HAD NO MERIT.
THEY COLLECTED ILLEGAL MONTHLY REFERRAL FEES FROM A NON ATTORNEY, NON LAW FIRM "MY US LEGAL"
THEY NEVER MET WITH CLIENTS OF MY US LEGAL.
THEY NEVER OR SELDOM SPOKE WITH CLIENTS.
THEY NEVER INFORMED CLIENTS OF THE LAWSUITS, ETC. ETC.

I HOPE OTHER NETWORKS PICK UP THIS STORY. HOPEFULLY HOMEOWNERS FROM OTHER COUNTIES, STATES,
WHO HAVE BEEN HARMED BY THIS COMPANY COME FORWARD AND CALL KURTIS.

For those of you that missed the segment on CBS13 here is the link:

http://cbs13.com/breakingnews/call.kurtis.us.2.1833285.html

Also, please NOTE: Attorney Eric Andrew Mercer of Sacramento filed a "CLASS ACTION LAWSUIT" today July 29, 2010 on behalf of victims/homeowners in Sacramento Superior Court.

ALL OF YOU HOMEOWNERS NEED TO CALL KURTIS...ASAP.

David Pulvino, are you related to Jeff? Wow! I'm sooo glad its funally starting.. This is just the beg!

I had a feeling it was a scam, hey jeff, shane, hide your drugs!

WATCH CBS13 NEWS, CHANNEL 13 TONIGHT 7/29/2010 KURTIS IS TALKING ABOUT US LOAN AUDITORS...OMG. IT FINALLY HIT THE NEWS...GO KURTIS, GET THEM AND STOP THEM.

Makes you think?

Wow Confused! Dead ON! The manager does all of what you said! Thank You! Thought I was the only one that thought that!

Interesting Ad I found on Craigslist!
(Notice percentage of client's monthly fee?)

Growing Granite Bay/Roseville law office with focus on civil litigation, foreclosure defense, and bankruptcy is hiring for an attorney (1-3 years exp.).

Can you manage a caseload of 10 civil actions?

This is a truly exciting opportunity for the right individual. If you have experience in litigation or bankruptcy, have a strong desire to learn a craft that can provide for you and your family for years to come, and are willing to commit yourself to greatness, then we want to discuss this opportunity with you. IF YOU HAVE THE DRIVE TO BE A TRIAL ATTORNEY AND ARE GENUINELY EXCITED ABOUT THE LAW, THIS POSITION IS FOR YOU.

Knowledge of TILA, RESPA, and other predatory lending laws is a major benefit but not required. Compensation based on percentage of client's monthly fee and final award/settlement.

• General desire to help clients required!
• Strong work ethic +++
• Attention to detail ++
• Bankruptcy knowledge +
• Litigation experience+
• Foreclosure defense, secured transactions, and loan modification experience+++
• Drafting and research experience +++

Our work environment is fast paced, informal, and is a think tank that encourages outside the box thinking. Please submit your resume and a brief writing sample.

We've updated the thread, and new information has been posted in relation to Mr Whaley:

http://www.fightbackinsac.com/forums/showpost.php?p=11067&postcount=70

BBB Rating for US Loan Auditors, LLC
Based on BBB files, US Loan Auditors, LLC has a BBB Rating of C- on a scale from A+ to F.
Reasons for this rating include:
•Length of time business has been operating.
•2 serious complaints filed against business.
•Business has failed to resolve underlying cause(s) of a pattern of complaints.

Business Contact and Profile for US Loan Auditors, LLC
Name: US Loan Auditors, LLC
Phone: [protected]
Address: 2882 Prospect Park Dr Ste 350

Rancho Cordova, CA [protected]
Website: www.usloanauditors.com
Original Business Start Date: January 2008
Principal: Mr. Shane Barker, Partner
Customer Contact: Mr. Shane Barker, Partner
Type of Business: Loan Auditors
BBB Accreditation: US Loan Auditors, LLC is not a BBB Accredited business.

Products and Services of US Loan Auditors, LLC
The BBB has been working with the company to obtain information that would give BBB a full
understanding of the company's objectives and procedures.
The company has provided some information, except to our most recent request for additional information and clarification.

It is our understanding that US Loan Auditors, LLC, charges a fee to review (audit) their customers'
mortgage loan documents.

If the company's audit finds that there were deficiencies in the mortgage loan process or noncompliance with related
laws, the customer is then referred to their sister company, My US Legal Services. According
to the company, for an additional fee, and
a monthly service fee, My US Legal Services will provide paralegal services and refer their customer to an
independent outside attorney for the attorney's review of the audit report provided by US Loan Auditors, LLC.
If the attorney believes the case has merit, legal action will be filed by the attorney. The attorney's hourly rate is an additional cost.

The company's website makes reference to saving customers' houses and making it possible for them to stay in their house.
A marketing mailer used by the company states "As part of a lawsuit, a homeowner can: stop foreclosure proceeding; lower
your monthly mortgage payments; lower the balance owed on your loan; repair your credit score; receive
financial compensation." The company, however, has indicated that it is not a loan modification or
foreclosure rescue company.

The company has indicated that its services and those of the independent attorneys to whom customers
are referred, are to pursue the goal of monetary compensation.

The marketing mailer also states "PREDATORY LENDING INVESTIGATION" and "We are currently
investigating your lender for predatory lending." It is our understanding that any "investigation" is
limited to reviewing specific loan documents from consumers who hire US Laon Auditors, LLC to conduct
an audit of their specific loan only.

BBB has specifically requested the names of the 31 different attorneys to whom customers are referred,
as well as information regarding the experience or training the attorneys have in mortgage related issues.
The company indicated, "Because of the nature of our agreement with these outside attorney's (sic)
we cannot simply give you (BBB) every attorney's name."

The company's website states "Our sophisticated auditors specialize in mortgage compliance and loss mitigation.
They know the laws and guidelines inside and out. They are knowledgeable about TILA, RESPA and
many other state and federal real estate and lending compliance laws. Their extensive training gives us
confidence in saying that our auditors are the foremost loan-auditing experts in the industry!"

BBB requested but has not received documentation that would substantiate this claim, including
qualifications, experience, and training of the loan auditors.
BBB reviewed two audits prepared by the company. There were references to documents not reviewed
because they were not provided by the customers. The records and files of the lender are not reviewed.

BBB noted that evaluation by an attorney of the audit and possible basis for successful law suits is not
performed until after the customer has paid to have their audit performed, and then retained My
US Legal Services, and agreed to pay the attorney's hourly rate.

The company has indicated that if the audit or the independent legal counsel determines
that there is insufficient basis for filing litigation, the customer receives a full refund. If legal action is
filed or the customer decides not to retain either My US Legal Services or the independent attorney they
are referred to, no refund will be given.

A central consideration is the number of lawsuits filed and their outcomes. In its letter of June 15, 2010,
the company indicates that 600 court cases have been filed. BBB requested but has not received details
regarding the disposition of these 600 court cases, including the number where the customer gained
beneficial changes to the terms of their loans or monetary compensation.

Customer Complaint History for US Loan Auditors, LLC
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB processed a total of 9 complaints about US Loan Auditors, LLC in the last 36 months, our standard reporting period. Of the total of 9 complaints closed in 36 months, 9 were closed in the last year.
These complaints concerned :
+ 1 regarding Contract Issues
1 - Failure to honor a contract or agreement

+ 2 regarding Customer Service Issues
2 - Failure to provide promised assistance or support for products or services

+ 1 regarding Guarantee or Warranty Issues
1 - Failure to honor money-back guarantees

+ 2 regarding Refund or Exchange Issues
2 - Failure to honor refund, exchange or credit policies

+ 3 regarding Sales Practice Issues
1 - Sales presentation did not disclose key conditions of the offer
1 - Sales presentation not consistent with the written agreement
1 - Sales presentation used dishonest sales practices

These complaints were closed as:
+ 6 Resolved
3 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to BBB.
2 - Complaint was settled through arbitration in accordance with their BBB agreement.
1 - Company resolved the complaint issues. The consumer acknowledged acceptance to BBB.

+ 3 Administratively Closed

Daniel Patrick Whaley - #99577
Current Status: Resigned with Charges Pending
This member is resigned and may not practice law in California.

See below for more details.

Profile Information
Bar Number 99577
Address PO Box 128
Hood, CA 95639 Phone Number [protected]
Fax Number [protected]
e-mail jnmtka@cmsm.govjfih@sefl.netondbw@soyyguru.govsuwtn@jbjnqcoy.govfrsqp@urithhlh.orgajay@sgi.govtcfe@spyko.orgpskk@rbnyyyq.govdakqab@raejr.govihflpbb@lsty.govmpafhco@yjgepy.netlyqhunof@arfkhaqn.comgpwmfnat@jgang.comchdsomjk@rtsqfcaq.netqlridgbu@jmp.comusmcsgpgn@yuy.govcchujhgpa@jctusq.orgwhaley500@att.netreoudi@qheec.netmutdlh@htnqumg.edu
District District 2 Undergraduate School Univ of California Berkeley; Berkeley CA
County Sacramento Law School McGeorge SOL Univ of the Pacific; CA
Sections None

Status History
Effective Date Status Change
Present Resigned
5/20/2007 Resigned
5/18/2006 Not Eligible To Practice Law
12/1/1981 Admitted to The State Bar of California

Explanation of member status

Actions Affecting Eligibility to Practice Law
Effective Date Description Case Number Resulting Status
Disciplinary and Related Actions
5/20/2007 Resignation with charges pending 07-Q-11072 Resigned
3/23/2007 Vol.inactive(tender of resign.w/charges) 07-Q-11072 Not Eligible To Practice Law
1/29/2007 Ordered inactive 05-O-02523 Not Eligible To Practice Law
5/18/2006 Discipline w/actual suspension 00-O-12203 Not Eligible To Practice Law
Administrative Actions
9/18/2006 Suspended, failed to pay Bar membr. fees Not Eligible To Practice Law

Copies of official attorney discipline records are available upon request.

Explanation of common actions

California Bar Journal Discipline Summaries
Summaries from the California Bar Journal are based on discipline orders but are not the official records. Not all discipline actions have associated CBJ summaries. Copies of official attorney discipline records are available upon request.

May 18, 2006

DANIEL PATRICK WHALEY [#99577], 50, of Hood was suspended for two years, stayed, placed on three years of probation with an 18-month actual suspension and until he proves his rehabilitation, and he was ordered to take the MPRE and comply with rule 955. The order took effect May 18, 2006.

Whaley stipulated to misconduct in three matters.

In the first, he commingled personal and client funds in his client trust account, wrote checks against insufficient funds in the account and provided advances for clients’ personal expenses from the account funds.

Whaley was suspended from practice by the Ninth Circuit Court of Appeal after finding that he committed professional misconduct by handling an appellate case without being admitted to practice before the court. He also told the court he could not appear at a hearing because he was at a memorial service, but could not produce proof that such a service had taken place. He did not appear for oral argument and filed a late response to an order to show cause.

The bar court found that he committed acts of moral turpitude and sought to mislead a judge.

In a third matter, Whaley settled a personal injury case for $65, 000, but did not maintain complete records of his disbursement of funds. Prior to the client’s death, he had disbursed $22, 500 to him.

The administrator of the client’s estate left three telephone messages with Whaley and by letter demanded an accounting and all documentation related to the settlement funds. Whaley did not respond. After the administrator complained to the bar, Whaley gave her a check for $13, 240 and claimed that was all that remained of the settlement proceeds. He also provided an accounting, but it did not match the trust account records.

Whaley did not respond to a subsequent request by the client to explain the discrepancies.

He eventually gave the client an additional $6, 728.

Whaley stipulated that he committed an act of moral turpitude by allowing the balance in his trust account to fall below the required amount and failed to maintain proper financial records for a client, render accounts or promptly pay out client funds.

In mitigation he has no prior record of discipline.