Foreclosure Fraud Investigation
Please note, the phone number and company name have been changed since recording this video
You can Call Foreclosure Defense Programs at 541-844-1830 to inquire about an audit
What is a Foreclosure Fraud Investigation featuring a Chain of Title Analysis?
Well the Video below will explain it quite well
Well, you should know about a new type of investigation called a Foreclosure Fraud Investigation. A Foreclosure Fraud investigation much like a crime scene investigation is a powerful process to defend yourself and your home before, during or after Foreclosure. But that’s putting it mildly. A foreclosure fraud investigation is a complete investigation of all the documents involving both your mortgage as well as your foreclosure, topping it off with a Foreclosure Fraud Investigation and Chain of Title Analysis to trace the chain of title of your note. When performed properly, a foreclosure fraud investigation featuring a properly done Chain of Title Analysis can turn the tables on your mortgage lender and have them eating out of the palm of your hand! Read on to discover how.
Our investigation is like a crime scene investigation but concerning mortgage documents. We do a mortgage scene investigation concerning not only your mortgage documents, but your foreclosure documents as well.
Here’s what you’ll learn on this page:
Securitization Audits: Why banks hate them … How they work … and How it could be your saving grace … How the Banks went from “Cocky to Sloppy” And how you can take FULL LEGAL ADVANTAGE of their sloppiness to stop them from taking your home (actually, a judge will stop them for you!) … What to look for in a mortgage or foreclosure investigation service — and which ones you should avoid like the plague (and why) … And much, much more If you are on the verge of losing your home to foreclosure, the information revealed here could literally save your ass (and your home) …
Why Banks Hate Evidence obtained from a
properly done Investigation:
The short answer is because a detailed investigation of the documents, signers, notaries and parties blatantly expose their fraud… the fraud they are committing by trying to foreclose on securitized mortgages. A securitized mortgage is one that has been pooled together with a bunch of others and sold to investors. Over 85% of loans in the last 10 years have been securitized. And once a mortgage has been securitized, the bank no longer holds the title to the loan. And when they do not hold title, they cannot legally foreclose. And it’s detailed investigation of the Securitization process that exposes and proves this fraud. The resulting documentation takes the bank off its “high horse” and exposes their misconduct in front of a judge, giving YOU the upper hand in court!
That’s why the banks hate them (and why we love them!)
CSI (Crime Scene Investigation) Vs. MSI (Mortgage Scene Investigation™)
First, let me clarify that we at Foreclosure Defense Programs have coined and are in the process of Trademarking the term MSI (Mortgage Scene Investigation) or MSI Audit. Why? Because of the strong similarities between investigating a crime scene and the scene of today’s rampant mortgage fraud. Just like in a CSI investigation where the investigators extract fingerprints, DNA and other incriminating evidence, a Foreclosure Fraud Investigator collects and disseminates incriminating evidence concerning your mortgage and foreclosure using documents that have been filed and recorded concerning that mortgage, analyzing signatures, dates, time stamps and a myriad of other items to find fraud that has been conducted by your lender, as well as items of information that should have been disclosed to you during your loan about your loan.
How Do Foreclosure Fraud Investigations Work?
A foreclosure fraud investigation featuring an MSI Chain of Title Analysis™ is an investigation done by a third party researcher who scours through various publicly available resources (such as EDGAR: an SEC database) to find proof that your loan was securitized (meaning your loan was pooled with other loans and sold to investors). Often, a well trained auditor can pinpoint the actual location of your loan among hundreds of thousands of investments. This is tedious and grueling work, as they have to literally find a needle in a haystack of a few thousand loans. What a Foreclosure Fraud Investigator would provide you at the end of an investigation is a multi page document and exhibits that can be helpful in defending your case. As well as a sworn declaration or affidavit of the findings. This investigation can be anywhere from a couple hundred pages to a couple thousand pages depending on the documents provided. Other things the auditor will look at are recorded documents such as a Mortgage Assignments, Substitutions of Trustee, Notice of Default, Notice of Trustee sale and other recorded documents and investigate those who signed those documents.
How Banks Went From Cocky to Sloppy And What it Means to You & Your Home
One of the boldest moves in banking history occurred only in the past few years. Actually, it’s a series of decisions that shows just how cocky the banks are. Here’s what I mean… First, the banks decided to pool individual mortgages together into one big investment. Then, they decided to sell these groups of mortgages to groups of investors (also known as the “Securitization process”). And when many of the homeowners became cash-strapped and could no longer pay their mortgages, the bank had to audacity to try to foreclose on these homes. Essentially, the banks are trying to GET PAID AGAIN on the loans they had just sold to the investors. How? By coming after YOU through the foreclosure process. It’s unjust, illegal, and downright fraudulent. But you can bet your bottom dollar that the banks are trying to use their muscle in Washington to let this all slide under the radar … while you – the struggling homeowner – pay for their misconduct! Here’s where it gets really good for YOU … As if this incredible power-hungry greed wasn’t enough to aim the Karmic missiles at themselves … the banks started getting sloppy …
How the Banks Started Digging Their Own Graves:
Back the investigation of your documents with a companie whos founder spent 6 years in the Marine Corps attached to Naval Intelligence and the past 7 years researching over 100,000 documents involving Foreclosure. Here at Foreclosure Defense Programs, we’ve aligned ourselves with some of the best Legal Experts on Foreclosure in the Country. How do we know? working for the past 4 years with an investigator with almost 30 years experience as a Mortgage Banker, and with many other partners coming from the Banking Industry. Many auditors are making promises to deliver a something called a Securitization Audit in less than a few days. Those auditors are most likely frauds and should be avoided. A good investigation with exhibits and backed by declaration or affidavit that can be used in court can take as many as 20+ man hours to complete. Many companies trying to get into this new wave of service use a software that does the audit and is so bad that rarely will you get it admitted as evidence. That’s why you want us in your corner, performing your complete foreclosure fraud investigation. Most Attorneys’ charge between, $3000 and $5000 for the same service. But many attorneys are not fully qualified to perform excellence in this new area of law. When done properly, banks absolutely HATE these MSI Analysis!™ And if they HATE it, we want it.
Remember, your case must be as strong as possible. With a legitimate Discovery evidence and investigation backed by a strong case, the bank “taps out” because they know they have little chance of winning. A well done investigation can take as long as 3 weeks or more to do depending on how busy our researchers are. For most audit firms Average Delivery time can be 2 to 3 weeks and up to 4 for delivery. Here’s why … An enormous demand for these investigations that are usually called forensic audits or securitization audits and a huge lack of experienced auditors is making it harder and harder to deliver these investigations in less than a month. The investigations provided by our Experts are some of the most complete reports in the Country, and that is the reason everyone wants our investigations. (Some Investigations can take longer depending on the number of documents in the File and the response time of our requests to Government entities for other documents). Rush Service available, if needed: If for some reason you have a court case and can prove that you need it due to a pending sale, we can expedite the process, however there is an extra charge to do that. We will not accept extra money because someone wants it done quicker. They must pay the additional fee and have a legal reason for needing it sooner than 2 to 3 weeks. The Rush fee will Guarantee Delivery within 2 weeks, but the fee for that Rush is $ 200.00 over the total fee of the investigation. The delivery time estimate is based on getting all needed documents in and the time clock starts when those documents are received not when the audit is paid for.
With foreclosures at a record high, the banks began getting overwhelmed with foreclosure paperwork. And many have resorted to forging the signatures of Bank personnel in order to foreclose on homes! With over thirty thousand of these “robo-signatures” in their database, and by having close relationships with the notary divisions of most Secutary of State offices we can determine if an actual bank employee signed or notarized the documents or was simply performed by an unauthentic “robo-signer.” These false signatures and the attempt to foreclose on your securitized loan present you with a massive opportunity to legally avoid foreclosure and save your home by taking your lender to court. However, as a Plaintiff in a civil action against your lender, you bear the burden of proof to show fraud conducted by the lender. An Foreclosure Fraud Investigation can be a great way to do just that. If you can not/do not bring sufficient evidence before the court in your case, then it is subject to dismissal. Sadly, most of cases where the Plaintiff represents him/herself are dismissed before they see the light of day. The bank would rather have your case dismissed rather than be forced to admit their fraud in court.
Back Your Foreclosure Fraud Investigation with a company whose senior expert has reviewed over 100,000 documents over the past 7 years.
Here at Foreclosure Defense Programs, we originally aligned ourselves with some of the best Securitzation Experts in the Country. How do we know? With over 28 years experience as a Mortgage Banker, and with many other auditors coming from the Banking Industry, many of the top Foreclosure Attorneys in the United States get their audits from them. Many auditors are making promises to deliver a Securitization Audit in lest than a few days. Those auditors are most likely frauds and should be avoided. A good audit or in our case a great foreclosure fraud investigation that can be used in court can take as many as 20+ man hours to complete. Many companies trying to get into this new wave of service use a software that does the audit and is so bad that rarely will you get it admitted as evidence. We perform a very detailed Foreclosure Fraud Investigation and chain of title analysis complete with sworn affidavit of our findings for under $ 2,000.00. Most importantly, the firm has alligned with legal experts who fully understand Court Room Procedures.
That’s why you want these guy’s in your corner, performing your Foreclosure Fraud Investigation.
You also need to understand that the average Foreclosure that is disputed can take up to 24 months to decide, so do not get in too much of a hurry to get your investigation back unless you are facing an eviction or Court date. It is a game of chess, but there is not a 2 minute clock telling you when to make the next move.
Don’t Be Fooled
Not all of these Investigators or Securitization Auditors are alike
Frankly, there are many scammers out there. We’ve been taken by a few of them ourselves, having lost quite a bit of money. Legitimate Securitization Audits performed by qualified EXPERTS do not come cheap. If you find one that will be charging you less than $ 1000.00 and promising to deliver in a week, then you should look elsewhere, as these scammers are marketing audits all over the internet.
IMPORTANT: If you see a service offering Securitization Audits and they use the words “For informational, or Entertainment purposes only, Bloomberg, or Certified Auditor”… turn and run because (unlike ours) their audit will most likely not be admissible in court.
Each investigation and affidavit supplied by one of our expert witness includes a resume’ of their experience, and name of the examiner writing the report.
Our investigation will expose defects, discrepancies and faults. Our investigations and research reveal foreclosure processes undertaken with inaccurate documents, conflicts of interest, faulty chains of title, failure to conduct mediation required by law and robo-signing; affidavits and other documents asserting claims without knowledge of the facts or confirming their accuracy. Employees of foreclosure trustees signing documents posing as the corporate officer of multiple banks and mortgage servicers and signatures that vary widely from document to document. We expose reverse engineering the chain of title on foreclosure documents, including back dating to make it appear as though the loan was passed from company to company correctly.
The investigation can also expose foreclosures where there is no clear chain of ownership for the loan or security interest. Default notices that have gone out without all the required information, inaccurate documents, conflicts of interest, defective processes, misrepresentation and fraud. Such failures potentially injure not just homeowners denied the protections afforded to them under our laws but also subsequent purchasers of foreclosed properties, financial institutions who might be inclined to lend on such properties and the title insurance companies who insure the chain of title to those properties. These audit firms have the capabilities to search thru millions of loans to try and find yours. If after all of this they still find it has not been securitized then you still benefit by not having to pay an attorney on a lost cause. You will get a full audit report telling you of their findings, and letting you know fighting it might be an uphill battle. However securitization is not the only thing to consider, as many of these lenders have forged or Robo-Signed many of the foreclosure documents. However over 85% of the loans written in between 2000 and 2007 have been securitized, but once in a full moon they find one that has not been. At that point you will need to look at other defense tactics.
Go to our Testimonials page to here what others have to say about the audits we provide our members
Most Servicers and Law Firms who are foreclosing are doing so as Debt Collectors. Homeowners have protections under the Fair Debt Collection Practices Act that can stop these pretender lenders in their tracks. The problem is that most attorneys are not aware of this fact and want a solution that will take time to complete. If an attorney can use these audits along with properly written letters under the FDCPA to stop a foreclosure in its tracks how would they make any money when they can charge the client by the month and take a year to try and negotiate a modification? With these audits and proper understanding of the FDCPA homeowners can not only stop foreclosure, but in many cases cancel the foreclosure and obtain quiet title.
You will need to have a consultation in order to purchase a foreclosure Fraud Investigation from us. We, unlike our competitors will not just sell an audit or investigatoin to anyone who comes to our website. Most homeowners can benefit from an investigation, however there are some instances where it is just a waste of money. We need to go over your situation, learn who the parties (Lender, Servicer, Trustee, Etc.) are in your foreclosure so we can best understand what a properly done investigation by experts can add to your fight. If you would like a consultation then fill out the form below and put consultation in the comment box. These investigations are not cheap and when you have limited income you need to make sure you spend what you have in areas that will bring you the most bang for your buck when defending your foreclosure. In many cases a well done chain of title aalisys is more important than hiring an attorney, as it can show if you actually even have a case against the party foreclosing. Far too many attorneys are ready to take your check, then when you lose your home say “But I thought you had a good case”, as they go on to their next client.,
For Additional information on a Foreclosure Fraud Investigation and how to order fill out the form below and email to firstname.lastname@example.org And you can have a free foreclosure review with one of our foreclosure experts.