TILA- Disclosure Req, Violations and Remedies

Settlements Under RESPA

Pursuit-v-UBS – Investor case proves homeowners cases

Request to Purchase Garfield Homeowners Workshop Handbook- v3 0210

Request to Purchase Garfiel Lawyers Workshop Handbook-v5 0210

Predatory Lawyers and Modification companies No better than predatory lenders


 START HERE :  Request for Preliminary Document Review  

The start of every case, as I see it, is the collection of facts and documents, so that a complete mortgage evaluation and status report can be prepared by an independent third party who can serve as an expert witness if the need arises. If you are a lawyer and need assistance with your case contact the email below,  if you are a homeowner and want assistance we first need to gather and understand the basic pattern of facts and parties involved prior to discussing with you so click the link above to request a Preliminary Document Review. Just follow the directions on the form that you download and use it as the cover sheet with your documents.

The current “cottage industry” of TILA audits is insufficient but a necessary part of the entire package that needs to be completed in order to properly advise a homeowner, as well as impressing an attorney with the validity of claims to be made both defensively and offensively.

This requires not only a thorough mortgage audit or review of the loan transaction itself, but a case evaluation from the standpoint of issues raised by securitization of loans. Additionally, the chain of title and the appraisal are necessary elements to consider in a comprehensive “forensic” review.  The current Qualified Written Request form being used by most services dates back prior to securitization, as does the methods and analysis of the of the mortgage process in a specific transaction.

The objective is to get the case in position where it can be settled without litigation. This is not always possible, but there are a number of forms, letters and strategies I have either created or accepted from submissions of other lawyers, in which the Trustee, the mortgage broker, the appraiser, the escrow agent, the title agent, and the “lender” are put on notice that there is a damage claim that might apply against them and that might be covered by errors and omissions insurance policies or other insurance.

The failure of mitigators, auditors,HUD counselors and lawyers to see these transactions within the context of table-funded loans, assignments, pooling and securitization is a serious flaw in the advice and strategies employed.

You can play a part in this movement in which homeowners assert their rightful claims to be restored to the position they were in before the mortgage and appraisal and securities fraud occurred. While we are dedicated, we are not rich  and our site receives over 30,000 visits each week and the all the information here is free, please understand that our own family demands(time & money)  necessitate that we are compensated for getting personally involved in individual matters.  I have brought in some people who are putting our philanthropic efforts into a business model in order to pay those who wish to help but cannot afford to do so without compensation.

We have designed a package of services that in my opinion meets the required criteria for the process to commence — and to enhance the prospect of a favorable result for the homeowner. While I have spoken with and reviewed the work of dozens of mitigators, auditors and lawyers, getting them to accept the criteria, which requires more work and less profit, has been a challenge. However we have one group thus far that is doing the work as I have asked and people capable of doing an in depth forensic review and report — and I am assisting them. And we have many more attorneys now than we had  months ago, but we are looking for more. Let us know if you have an active foreclosure defense/offense law practice and would be interested in taking cases we can refer(no referal fee/no co-counsel fee), we can add you to the list of “Lawyers That Get It” on the left hand side of the landing page of this blogsite.

Contact foreclosuredefensegroup@gmail.com to learn more about our forensic mortgage analysis and  litigation support services for lawyers.

We have 20 million households to reach, some of whom have already been dispossessed out of houses they still legally own but don’t know it.


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