“This is a remarkable achievement that could only have be made possible through the hard work and dedication of our world-wide team, as well as the support of so many of our long-time clients” said Bernard May, CEO.

National Positions’ ability to offer consistent results and its reputation as a leading provider of Internet marketing services provide a solid foundation to support the company’s exponential growth.   The company has also added several key new products to its suite of SEO solutions, giving clients even more options to grow their businesses online.  New products include enhanced Local Search, Video SEO, Conversion Optimization and Social Media Marketing products.

Another factor in National Positions’ growth is the increasing strength of the search engine industry as a whole.  This is largely due to increasing awareness of the importance of SEO and the role it plays in a company’s success.  Additionally, the ever-changing nature of SEO means that long-term strategies are a crucial component in a company’s continued internet marketing success.  As a recognized and respected SEO company, National Positions is able to offer clients exactly that – a long-term blueprint that recognizes the dynamic nature of search engine optimization for strategies that work not only today, but even as algorithms and user trends evolve.

Since the company’s start in 2004, National Positions has grown from a fledgling business in the CEO’s garage into a worldwide venture, with offices in India, South Africa, and the UK.  With a focus on delivering quality results and an excellent customer experience, National Positions’ more than 95% retention rate points to the most important reason for its continued success.  Continued commitment to these ideals will pave the way for future growth and stability.

About National Positions: Headquartered in Los Angeles, with offices in India, UK and South Africa, National Positions is one of the fastest growing Internet Marketing companies in the world today. The company’s rapid growth is attributed to an excellent track record, established relationships with major search engines and outstanding levels of client support. With retention rates of over 95%, National Positions stands out in the search engine marketing arena. By leveraging an international presence, proprietary technology, high work standards and competitive pricing, National Positions is committed to delivering exceptional results to businesses looking for an internet marketing strategy that works.

About Inc. Magazine: Founded in 1979 and acquired in 2005 by Mansueto Ventures, LLC., Inc. magazine (www.inc.com http://www.inc.com) is the only major business magazine dedicated exclusively to owners and managers of growing private companies that delivers real solutions for today’s innovative company builders.  With a total paid circulation of 724,110, Inc. provides hands-on tools and market-tested strategies for managing people, finances, sales, marketing, and technology.

About Inc. 500|Inc. 5000 Conference: Each year, Inc. magazine and Inc.com celebrate the remarkable achievements of today’s entrepreneurial superstars — the privately held small businesses that drive our economy. The Inc. 500|Inc. 5000 Conference brings together members of the Inc. 5000 community—both a new class of Inc. 5000 honorees and the list’s alumni—for three days of powerful networking, inspired learning, and momentous celebration.

For More Information:

Bernard May

National Positions

5012 Chesebro Road

Suite 200

Agoura Hills, California, 91301

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An alarm system is built-in in pretty much every car you can buy today; in fact, it’s pretty much mandatory for any car seller to offer a reasonable amount of alarm protection to the buyer of the car. However, traditional car alarm systems have never been particularly effective at stopping crime, so protecting your car fully using an alarm system is a little bit trickier. You might want to talk to a professional car alarm company who will be able to offer you a more complex solution than the one you currently have. Some of the latest car alarms have extremely advanced technology and will ward off most thieves, but they certainly aren’t 100% successful. The main problem with an alarm system is that some thieves simply don’t care about the noise that is made by it. Some have worked out ways to disable alarm systems, while others will simply drive your car for 5 minutes and then leave it on the side of the road. Unless you’re within a reasonable distance of your car, an alarm system isn’t necessarily going to stop it from being broken into and stolen. Of course, they are an excellent preventative measure, but there are other solutions that might be better suited to your needs.

Installing an immobilizer is a great way to ensure that a thief is unable to drive your car away. However, despite the theory behind an immobilizer being excellent, it doesn’t always work in practice. The problem is that experienced thieves will know how to bypass most immobilizers to drive the car anyway, so installing one might not really help when someone is trying to steal the car. Some people try to use a steering lock on the car, especially in cities or areas where parking is dense. However, these are cumbersome and frustrating to use, so they aren’t the best solution. Sure, a steering lock will stop most opportunist thieves, but the chances are that you will forget about it after a while or just stop using it because it is so annoying.

Other types of protection are generally excellent ways to stop your car getting damaged or stolen. Adding exterior protection (thicker windows, different material on the doors, etc.) can definitely help if someone is trying to smash your car up, but they are extremely expensive to install. You can talk to a professional firm to ensure things like your windows are better protected, but there’s very little you can do against someone who is hell-bent on breaking into your car, especially if they have a weapon of some sort.  On the other hand, protective measures will increase the safety of your car, which is a great side-effect of trying to keep the thieves away using this method.

A GPS tracking system may be your best bet when trying to keep thieves at bay and ensure safety inside your car. A tracking system will ensure that you can tell exactly where you car is or was at any given time. If your car is stolen, you can simply logon to your computer and see its exact location right there in front of you. The tracking system can also send you alerts whenever the car is driven at certain speeds, in certain areas, and at certain times, so you can monitor suspicious activity from a remote location. Of course, a tracking system won’t necessarily stop your car from being stolen, but it will ensure that you get it back if it is. A GPS system is also great if you’re concerned about the use of a car, or the safety of those driving it. They are popular among parents or business owners who are looking to ensure that a car is being used in the intended way, and within safe boundaries. The tracking system will give you a wealth of data to track the usage of the car, right down to some of the more intricate driving behaviors that are tracks. Tracking systems are also much cheaper than some of the other solutions listed above, so it’s a quick way to get peace of mind about your car, or any cars you are looking to monitor. For more information please Visit : www.gotrackinc.com

One great way to save money is to simply shop around for different insurance quotes. A long time ago, you would have to spend hours calling different insurance agencies and asking for complex quotes, but now you can get accurate quotes online in a matter of seconds. Spending an hour or two browsing different quotes could save you thousands, rather than just picking the first quote you find. Just remember, you need to be dealing with a reputable home insurance agency, not just the cheapest one you can find. This is a huge investment and responsibility for you, and getting it wrong can have disastrous consequences, which is why you will want to take your time when making your decision.

If you’re buying a house, one of the things you’ll want to consider is how much insuring the home is going to cost. That’s why it’s important you understand the inherent risks or dangers that the house presents. For example, if it’s in a risky neighborhood, or if it is quite an old house, your insurance costs can skyrocket. If you’re willing to pay this, then that’s absolutely fine, but factor this into your negotiations with the realtor. The last thing you want is to have to spend thousands more than you budgeted because you completely ignore home insurance when making your decision.

When looking for home insurance, you’re going to be assessed based on how safe your home is, which is why you can save large amounts of money by implementing a few simple safety measures. Adding a lock to a door, and making sure you have fully upgraded smoke and burglar alarms can shave thousands off your home insurance, and should probably have been implemented years ago anyway. You will almost certainly save a great deal more money than you spent to make your home safe, but even if you only break even on that part of the deal, you will still have essentially increased the safety of your home free of charge.

Home insurance is really about considering every single factor that could affect a particular claim, which is why insurers spend hours coming up with complex quotes to ensure that their prices reflect the risk they are taking on. That’s why it’s a good idea to explain your situation to them. If you are self-employed, you can explain that you spend a great deal of time at home, so would be able to spot any issues early on, rather than allowing them to develop. The same is true for people who are retired, or who don’t need to work. Spending time at home allows you to ensure everything is well maintained, and your insurance company will be able to see that, changing your quote to reflect this.

When you first deal with an insurer, you will almost certainly be paying a higher price than nearly all of their older customers. That’s because insurers take loyalty very seriously, and they reward customers who stay with them for a number of years. It’s worth considering this when you first get your quote. Whilst it might look expensive now, imagine if you could knock 10% off it in five years time. That’s the kind of reward you get for staying loyal to one insurer rather than constantly switching. As long as you make your payments on time and you aren’t constantly making claims, a good home insurance company will reward you for your loyalty after a few years, with increasingly higher rewards as you stay with them past that period. Building a solid relationship with your insurance agency, and a particular agent, really can save you money, you just have to stop thinking of them as the enemy, and realize that they are just as interested in helping you as you are in helping yourself. For more information please Visit : www.homeinsurancequotes.us

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When considering a variety of life insurance quotes, it’s important to inspect who exactly is behind them. Different insurance companies can sometimes offer wildly different quotes, and you’d be surprised how much variety there is in the size and scope of these businesses. You’re going to want to choose a quote which is provided by highly reputable company. This can easily be tested by doing some quick searching online, or you might have already heard of the company’s good name. Either way, the company should be experienced, professional, and well received by its customers. It’s never a good idea to buy life insurance from a company that hasn’t got a particularly good reputation, no matter how cheap the quote actually is.

When you’re inspecting a quote, it’s important that the policy you are being provided is extremely clear. This clarity will ensure that you know exactly how well you are covered, and you don’t end up with any nasty surprises further down the line.

Of course, cost is going to be an important part of your decision. If you’re looking for a really cheap life insurance policy, you’re probably going to have to spend quite a long time looking at different quotes. This is because many of the cheapest quotes aren’t going to give you particularly good coverage, so you need to try and find a bargain which will give you at least reasonable coverage. In general, you probably want to go for a mid-range quote at the very least, because less than that simply won’t give you the kind of coverage you are looking for. You can save money in a number of ways, but doing your research and looking at as many quotes as possible is the best way. It’s unlikely that you’re going to find anything unbelievably cheap if you only spend a few minutes looking at quotes, but if you spend a few hours, your chances are much greater. It’s amazing how easy it is to save money when looking for life insurance online, rather than through other means.

Some insurance companies are very good with their customers, in that they don’t require too much effort on your part. However, others will want you to attend endless meetings and examinations, which can get old very quickly. You’re really looking for the simplest way of getting life insurance, so try to avoid a company that looks like it is going to make you jump through hoops to get it. If you have to, send them an email asking for their requirements and the procedure that you will be part of, you can then gauge whether it’s going to be worth your while. Fortunately, with modern technology as it is, you shouldn’t need to spend too many hours with annoying paperwork and meetings.

Customer service is a vital part of the life insurance industry, but it’s quite hard to measure. Often people get stuck with insurance agencies that have poor customer service simply because they weren’t able to gauge it before they signed the policy. If you want to avoid this, it’s a good idea to talk to the insurance company before you start working with them. You can ask them any questions you might have, and see if they can explain your policy to you. Even if you know everything you need to know, this kind of conversation will help you ensure that the insurance company looks after its customers rather than just leaving them in the dark. For more Information please visit: www.lifeinsurancequotes.com.

Where the problem currently lies is that the homeowner has been led to believe by both government campaigns and lender lies that the lender is actually going to help him – the homeowner, who has fallen behind. The lender is not going to help you – unless there’s money to be made in it for him. Enough money to make it worth his while – and that means he will actually pretend to help you. In fact, the lender will just string you along with false promises and pretenses for months and months and months, finally you’ll end up in foreclosure and possibly lose your home to public auction.

You, the homeowner have always been nothing more than a loan number to the lending institutions. Sadly, that’s all you’ll ever be. They’re not particularly moved by the fact that your child has special needs, or your mother needs extra care. They don’t really care that your spouse lost their job, or that the home has been in your family for six generations. In fact they have no interest in any of the aspects of your life. The equation is simple: Your money or your home.

What matters is that your loan number has fallen behind and now you are on the very-profitable-for-the-lender road to foreclosure. Soon they will either get a large, normally uncontested “chunk of change” from you-who-represents-your-loan-number, or they’ll get your house – which secures your loan number.

Sure, they have seemingly courteous people on the phone (well some of them do, others use call centers in India or hire brutes to scare, manipulate and threaten you), all who say “stop making your payment and we’ll get you a loan mod,” or “we can’t help you until you are three payments behind,” or we have you in the system for a loan mod, now it will take only 4 months to get you a mod (of course it actually turns out to be 13 to 18 months because they are always losing your paperwork).

Why does a process as simple as a loan mod take so long? Because every missed payment is more money for the lender. Did you know that almost half the homeowners manage somehow to cure their default amount to prevent foreclosure from starting? Sure, but they wiped out every financial resource the homeowner had, and once again, he can’t make his monthly payment!

The homeowner is back in default and on the road to foreclosure in no time at all. Meanwhile the lender made a nice sum and gets to go for round two. The only route left to save the home is bankruptcy – most homeowners think—so they destroy the rest of their credit and dignity in a last ditch effort to save their home. It bought them a bit of time, but it seems the lender still gets the home in the end.

What started all this? Rather, who started all this? It was the lenders themselves. That’s correct, they gave you loans designed to fail. They’ve made billions of dollars at your expense. That’s why it is predatory lending and predatory servicing. Since the day you got your loan you have been preyed upon. You have been told that this is “all your fault,” and the government has “tried to comfort you” with promises of help through President Obama’s HAMP program. That, of course we all know now, is just a great big joke. Most people only give money to the lender for months on end, while none of it goes to their loan, then they get disapproved and foreclosed upon.

And it seems to so many homeowners that everybody is in on their pain for the lender’s gain. Attorney’s won’t take on the homeowner and fight for him when the lender will pay him well to foreclose. Judges don’t really want their courtrooms clogged up with foreclosure cases, so warehouse them through. Lenders ‘warn” homeowners not to get professional help, ‘cuz, well you know, “the lender will help you for free”, yah, sure we all know that lie by now. And saddest of all: politicians are passing laws that prevent homeowners from hiring professionals to help them get their loans modified!

But there is hope, and there is help. Rockingham Associates is there for the homeowner. They conduct forensic loan reviews which reveal all the violations in the loan the lender gave you. They conduct predatory servicing investigations, which reveal all the predatory acts the servicer has committed against you. They use those investigations as the springboard to getting you successful negotiations. Lenders suddenly would rather modify your loan, than deal with investigations.

Homeowners don’t have to stand alone, they don’t have to be abused and preyed upon. They just need a professional on their side and that would be the good people at Rockingham Associates. Visit their website at www.rockinghamassoc.com to learn more about this company and what they can do for you. They are busy rekindling the American Dream. Their goal is to get you complete financial recovery. Consider contacting one of their representatives to begin to unravel your financial dilemmas.

Key Words: lender, late payments, default, homeowners, Foreclosure, Loan Mod, Loan Modification, Predatory Loans, Predatory Lenders, Credit Scores, Foreclosure, predatory foreclosure, bankruptcy, Rockingham Associates, Rockingham, borrowers, HAMP, HAMP Program, Obama Plan, Bankruptcies, Predatory Servicing

Los Angeles, CA –

Q. How old is Wonder Woman?

A. 2,500 years old (The New Original Wonder Woman, The Return of Wonder Woman)

Q. In Bewitched, why didn’t Darrin want Samantha to user her powers?

A. Darrin was scared, had an ego, and was concerned for Samantha’s well being. (I, Darrin, Take This Witch, Samantha; Mother Meets What’s His Name; A Is for Aardvark, I Confess)

Q. In Star Trek, what ancient, advanced race transplanted humanoids across the galaxy?

A. The Preservers (The Paradise Syndrome)

Answering these questions can be fun, but appreciating the context of the answer makes it more meaningful. That is why Spreety TV Online started a TV Trivia revolution by adding links to watch the pertinent episodes online. In the context of seeing the answer, a simple click will launch the full episode, when available online for viewing.

The trivia questions focus on plot based material, leading to a deeper appreciation of the character’s motives. For example, Wonder Woman was effectively an Immortal, but ran the risk of reverting to a mortal when she spent time away from Paradise Island.

Some of the questions are more technical, such as how Sam could see Al in Quantum Leap (a subatomic agitation of carbon quarks were tuned to the mesons of Sam’s optic and otic neurons). The depth of the fake science in certain shows can help us believe just a little more.

The TV trivia challenges at Spreety so far are Friends, Seinfeld, Babylon 5, Buffy the Vampire Slayer, Stargate SG-1, Bewitched, Wonder Woman, Buck Rogers in the 25th Century, The Jetsons, I Dream of Jeannie, Star Trek, Quantum Leap, Arrested Development, Everybody Loves Raymond, The A Team, Monk, Lost, 24, and Mad About You. A new one is added every other week.

For those concerned about spoilers, clearly testing one’s trivia knowledge is intended for after the viewing.

The TV Trivia is under the “Fun” tab on the Spreety.com site. Tell your friends how well you do.

Los Angeles, CA (TransWorldNews) June 12, 2010 –

Spreety TV Online is pleased to announce the latest in the video series of how to watch TV online. The new video focuses on where to watch live news online. Among the featured places to watch news online are ABC News Now, Bloomberg TV, CNBC, CNN Live, MSNBC, and FOX News.

ABC News Now is a live ABC news feed with a library of original news programming, including brand name shows, like 20/20, World News, Nightline, This Week, Primetime, and Good Morning America. In addition, featured segments are online, such as Good Money, Job Club, Top Line, What’s the Buzz, Now You Know, Popcorn, Moms Get Real, Nature’s Edge, Chef’s Table, and more.

For financial news, Bloomberg has live, free news feeds online for U.S., Europe, and Asia / Pacific. CNBC also has the same type of feeds online, but for a subscription.

CNN Live has multiple streams of their news feeds online. The multiple stream approach is particularly useful when the main CNN channel switches to something else, the online CNN continues to provide in depth coverage of the topic of interest.

MSNBC has brand shows online, such as TODAY, Nightly News, Meet the Press, Dateline, and more. In addition, categories of current news stories are available, such as Politics, Business, Sports, Entertainment, Health, Travel, and Weather.

For FOX News, segments are added 24×7, categorized by latest, hot topics, business, entertainment, health, sports, and opinion.

Local new stations are also available. A search on Spreety for “local” will lead to clickable maps to find local news sites.

Possibly most compelling about online news is direct news from the source. A perfect example is the White House website which streams the live press events.

“There is an amazing amount of free TV online. The challenge in enjoying is simply knowing where to look”, according to Spreety co-founder Ron Laughton. “We created Spreety to help people discover the right places to watch TV online.”

The Spreety video is on YouTube titled “News Online”. Spreety TV Online : Watch TV Shows Online Free is a free television guide for the Internet, located at http://Spreety.com .

Los Angeles, CA – Are you in the mood for a surreal, artistic escape?

The films of Robyn Yannoukos might be a perfect fit. As an animator, puppet fabricator, and painter, Robyn is also a student academy award winning director. Her award winning short films available online include Africa Parting and Alice’s Attic, both of which create surreal worlds through the painstaking artistry of stop motion animation.

Robyn’s roots are from Greece and Africa. Her undergraduate degree is a BFA from the University of Witwatersrand in Johannesburg. After completing her Masters (MFA) in animation from UCLA, the transition to a filmmaking career has been a challenge. “You have to promote yourself,” Robyn explains.

Interestingly, self promotion and online video can sometimes be at odds. The path Robyn chose was the film festival route, which thrives on exclusivity for fresh content. For example, the Oscars has a rule preventing entries from being online during the process, with the exception of password-protected Internet screenings for press review or film festival submission. Once aware, Robyn quickly removed her films off the Internet to comply.

Of course, the benefits of the traditional film festival circuit are worth following the rules, mainly due to the caliber of people a young filmmaker meets. Once the film festival circuit is complete, the fresh artistic works can be made available online to help promote budding careers. To see award winning short films from Robyn and her peers, check out Very Short Movies Cinema at http://www.vsmcinema.com/.

Robyn’s patience and diligence in following the rules seems to be paying off, as she is now working on a few projects for Disney and the NFL. To follow her rising career, go to http://www.robynyannoukos.com/.

The “Spreety Rising Stars” series is to raise awareness of fresh, original entertainment talent. For more information, please see Spreety TV Online at http://Spreety.com.

www.myfinancialgoals.org – Are you one of the many consumers today who have been hurt by the recession and now find yourself drowning in debt? Then it’s important to make the right decision when it comes to choosing a debt consolidation program. At American Financial Solutions, we can help you choose what’s best for your specific situation.

The airwaves are full of commercials today that promise to cut your debt in half and have you debt free in 24 months. The companies making these claims are Debt Settlement companies. They typically promise to settle debts with your creditors for 40% to 60% of the principal you owe. These companies collect high up-front fees from consumers and then take monthly payments which are saved in an escrow account until enough is available to make settlements with their creditors. During this “saving time”, no payments are sent to the creditors at all. There are few statistics available on the success rate of consumers in a Debt Settlement program, however, a survey by Colorado’s attorney general found that from 2006 to 2008, less than 10% of Colorado consumers successfully settled their debts through these programs. An investigation by the New York attorney general into an Arizona-based debt-settlement company found that only 0.3% of clients realized the promised savings*. Consumers typically find themselves in a much worse situation after stopping payment to all of their creditors and allowing the fees and interest rates to grow out of control.  Many who go through a failed Debt Settlement program like this end up turning to bankruptcy or find themselves with a judgment filed against them by one or more of their creditors. They are also thousands of dollars out of pocket in fees to the Debt Settlement firm and their credit scores require years to recover.

American Financial Solutions is a non-profit organization that can help you make smart financial choices that will keep you worry free. We can develop a payment consolidation program that works with your creditors to help you reduce your interest rates, eliminate fees, stop the collection calls and, best of all, you will have one convenient monthly payment that you can afford and be debt free in five years or less.

American Financial Solutions is a non-profit 501(c)(3) financial education and credit counseling agency founded in 1999 and is committed to empowering people to improve the quality of their lives through financial education and counseling.

For More Information:

My Financial Goals
263 4th St.
Bremerton, WA 98337
1 (800) 894-3946
http://www.myfinancialgoals.org

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Get your supplies ready. This project can be time consuming but you will just love the end results and your frame will be custom made by you. It is also a great way to recycle newspaper or reuse paper that you are going to throw away.

To make this shabby chic picture frame you will need the following supplies:

Before you start, you will need a picture or image in your mind of a frame you like. The frame can be something you have seen in a magazine or online. You just need to be able to look at it so you can recreate something similar.

Since this might be the first time you are making a frame like this, you might want to try something simple at first. Ornate designs and carvings will be difficult to replicate if you have not had some practice, so choose something simple to begin with.

Get your cardboard and cut it out to the size you want your picture frame to be. It might help to make a template of your frame. You can easily trace a frame you have lying around your house.

Once you have your frame traced onto your cardboard you can begin to cut it out using your scissors or Exacto knife.
To make your frame thicker, you may need to make several templates of your frame and glue them on top of each other.
After you are finished get your extra newspaper or scratch paper and cut the pieces into thin strings (they should be around the same size you see after you put them through a shredder).

Get your glue and put it in a bowl and add some water to it so that it is slightly watery.

Add a paper strip to your glue and make sure you have it fully saturated. Next add the strip to your cardboard frame; before you paste it on, be sure to remove excess glue. You can do this by running your fingers over the strip so any extra will come off.

Paste the strip onto your frame. You will need to do this repeatedly until your entire frame is covered with strips and you cannot see the cardboard anymore. Keep layering your frame until it is to your satisfaction and be sure to cover all the edges thoroughly.

Allow your frame to dry; this may take anywhere from a day to a few days, depending on how many layers you added to the frame.
Once dry you can now sand the frame to smooth out the front and remove creases. Paint as desired and decorate with jewels, seashells or anything else you would like to add to it!

If you love the shabby chic look then buy some cute shabby chic frames
or find some cute seahorse art to inspire you!

A Forensic Loan Audit helps with commercial loans as well as a residential loan. If you have been turned down for a loan mod then contact a Tila Solutions Consultant. You do not have to wait to do an audit as a means to stop foreclosure. Get it before foreclosure even begins! If you are nearing or are in foreclosure, a Tila Consultant can help. They can also help people who are current on their loans or those with investment properties.

There is a homeowner hotline at Tila Solutions that you can call. Their consultants will interview you and help you identify whether or not you should get your loan investigated. Some reports are saying that as many as 6 million homeowners today have a predatory loan. A Tila Solutions Consultant can help you determine if your loan is in need of a Forensic Loan Audit. They can help you determine if the Forensic Audit may help stop foreclosure, avoid foreclosure or just ensure that you do get that loan mod.

Banks operate to make money and they treat you well as long as you are helping them to make money. If you aren’t, then you are “not their kind of client”. The only relationship you ever will have with the bank is based upon how well you give them the money that you agreed to. The lender does not consider any financial hardship as a good reason to give you a loan modification-mostly they ask for a “hardship letter” to see if you have recovered and thus maybe give them money again. Their only interest is in seeing the loan they gave you resulting in a monthly payment made on time.

What is interesting is that a violation-free loan, normally can withstand any hard times you may experience during the life of the loan.

Tila Solutions is an Audit Company that investigates loans. If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that there was any kind of “oddities” or pressuring to get you into that loan, then you should have it audited.

A Mortgage Audit also called a Forensic Loan Review or Forensic Loan Audit is an actual investigation or a detailed examination of the loan that the lender created issued to you. The audit is done to find all the Federal Laws that the banker violated.

There is a large body of laws that were passed to help prevent you from getting a predatory loan – which is a loan that heads you straight to foreclosure. Do you remember the day you got your loan? Do you recall reference to TILA, RESPA, HOEPA and ECOA? These are the laws that guide lenders and ensure they give you a loan that is in your best interest – they help prevent you from getting a predatory loan. They make sure you understand what you are getting before you sign, and give you a choice to rescind. Also, Tila Examiners often find fraud in these loans.

Tila Solutions Examiners will methodically go through your loan and locate all the violations and as you can imagine, your lender then loses much firepower against you! He no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.

Once the Forensic Loan Audit is completed, you need somebody on your side who can get something done with it! Some lenders, who often seem to operate above the law, have actually told homeowners that the Forensics will do them no good and that the homeowners just wasted their money! This is completely false. There are thousands of reports of bankers pushing borrowers around and misleading them all over the internet – Tila Negotiators know how to get you the best possible result and avoid all those misconceptions.

That is why Tila Solutions offers a free service to help negotiate new terms on your behalf you’re your investigation is completed.

Homeowners cannot forget that it was their lenders who lied to them when they gave them the loan, and it is their lenders who are still lying to them. Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.

You can save your home with a Forensic Loan Review! Call a Tila Solutions Consultant at 1 — 3 0 7 — 4 5 9 — 0 2 3 2. The Tila Solutions website is amassed with information and solutions. Visit http://www.tilasolutions.com/ for a Forensic Loan Audit and the free negotiation service offered by Tila Solutions.

Tags: Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, Mortgage Audit, predatory loan, Fraud, Loan Modification, loan mod foreclosure, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure

Tila Solutions is an Audit Company. They investigate loans given by the banks to determine if the bank violated any of the federal laws that protect the homeowners. Ultimately, if you have a predatory loan, you will need a Forensic Loan Audit. If you feel that the lenders mislead you, withheld information from you, rushed you, or possibly gave you a loan that could contain fraud then you will want to get your loan investigated.
Tila Solutions Examiners work with the Federal Laws that protect you as a borrower. Probably when you signed your loan documents you heard or saw reference to TILA, RESPA, HOEPA and ECOA. Those laws were passed to help prevent you from getting a loan that you won’t be able to pay back, which is often known as a predatory loan. They are also supposed to ensure that you understand the loan.

Tila Examiners also look for fraud and they investigate the loan to see if it complies with other federal regulating bodies and their guidelines. The fraud they look for is fraud committed by the banks – and their investigations have shown that the banks committed much fraud over the past decade!

When homeowners get turned down by the bank for a loan modification, a forensic loan audit is the critical first step to turning that around. Banks are not in the business of helping people; they are in the business of making money. The bank is not interested in giving you a lower payment, because you are experiencing hard times. They are only interested in seeing the loan they gave you “perform”.

In many cases the bank calculations will show that they can make more money or experience less risk (or both) if they do not give you a loan modification. Normally that means you will be in foreclosure and losing your home. The Forensic Loan Audit is your most powerful weapon to show that foreclosure is no longer a money-making option for the bank.

A performing loan is a loan that has a monthly payment coming in on time. The bank gets a nice profit for very little risk. This is all they want, and sadly, if you are not going to give them their money, then the bank will calculate the risk of modifying your loan against other methods of making money.

And that is why you need to get Tila Solutions to conduct a full forensic loan audit for you. Simply put the bank loses much of its power and ability to travel down other money-making avenues if the loan contains federal violations of TILA, RESPA, HOEPA, ECOA or if fraud is found when the investigation is done. Tila Examiners will meticulously go through your loan looking for all the federal violations.

This is very important: Once the Forensic Loan Review is completed, something effective must be done with it. Lenders actually tell homeowners it makes no difference (doesn’t it remind you of a criminal pointing out that the police won’t stop him) but don’t believe it for a minute. That is why Tila Solutions offers a free service to help negotiate on your behalf. The Lenders push borrowers around and mislead them all the time. Tila Solutions Negotiators will work on your behalf to make sure that you get your loan modification.

Tila Solutions has a homeowner hotline that you can call. Their consultants can help you identify if you have a predatory loan. They can help you determine if your loan is in need of a Forensic Loan Audit.

You should contact a Tila Consultant if you have been turned down for a loan mod, or if you are nearing or are in foreclosure. Tila Consultants can help people who are current on your loans or those with investment properties. A Forensic Loan Audit helps with these types of loans.

The Tila Solution website is loaded with information – go to http://www.tilasolutions.com to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions. You can call a Tila Solutions Consultant at 1 — 3 0 7 — 4 5 9 — 0 2 3 2.

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For the many who dared to trust again, Tila staff helped them using Forensic Loan Audits to show clearly what the bank did wrong. Often finding that what the homeowner felt all along was true: the borrower was defrauded by the bank, broker or loan officer.

There are several federal laws that protect borrowers and loan forensics reveal where the bank did not follow those laws. Despite the false claims that banks and competitors like to make about Tila2, they continue to represent the homeowner. They confront the banks with the forensic loan audits showing the bank’s true crimes  when they made loans  to unsuspecting homeowners.  It becomes clear to the bank that the homeowner now knows the bank violated these laws.

Often, people will have loans that are insured by the federal government.  If there is fraud in the loan, there is a good chance foreclosure is no longer an option for the lender.  Understanding what fraud is may help you to understand if you are another victim of the scam that the banks have perpetrated upon millions over the past decade.

Understanding that Tila will take your audit to the bank and help you by getting new terms negotiated – usually in the form of a loan mod has made Tila a friend to thousands of homeowners, but maligned by competitors and banks.  This is to be expected. Yet, Truth in Lending Auditors continues forward, saving homes, restoring dignity, and most of all helping those who have so often been the victims of fraud.

The following make not make much sense to you but it gives you insight into this complex area.  This is why you need Tila.  Tila audits state the exact laws broken on your mortgage which then gives you ammunition to save your home.

In Common Law, there are nine elements used to determine if fraud has been committed. In this article, we will provide those elements as it has pertained to so many who got mortgages over the past decade.  The examples we use are not the only types of fraud, they are just some of the more common ones that many should be able to relate to.

The first element of fraud is classified as the representation of an existing fact. A common example of this is when you originally got your loan. Were you told that this was the only loan you could qualify for, or that you had to take this loan, even though it wasn’t the loan you were originally promised because there was no time to get you a different one?  Perhaps you were told you could get a better loan in a year or so?  Many people were.  The existing fact represented to you was that you were being put into the ONLY or the BEST loan available to you,  which was a 30-year contract, but that you were going to be able to get out it in very short order.

The second element of fraud is stated as its materiality:  This has many meanings in law, yet the one that applies is “material: being such as would affect or be taken into consideration by a reasonable person in acting or making a decision” meaning what you were told or given or shown was done in such a way that you, as a reasonable person, felt that you could act on it or make a decision.

The third element of fraud is described as it’s falsity: What proof did they provide to you that there was ONLY one product available to you? Where was the clause in your loan that said, “This is a 30-year contract that you can get out of in a year?”

The fourth element of fraud is classified as the speaker’s knowledge of its falsity. The bank, or loan officer, or broker knew the truth.  They were educated in such matters as real estate markets, credit scores and of course their own practices and products being offered.  Recent investigative reports show they knew there would be high numbers of defaulted loans.

The fifth element of fraud is identified as the speaker’s intent that it shall be acted upon by the other party. They got you to sign, right?

The sixth element of fraud covers the other party’s ignorance of its falsity. Not all borrowers know or fully comprehend the real estate markets, how they fluctuate, credit scores and lender practices and products.

The seventh element of fraud is stated as the other party’s reliance on the truth of the representation. You trusted your broker, loan officer, or banker, right?  He made it clear that he was helping you get the house?  You believed what he told you?

The eighth element of fraud is described as the other party’s right to rely on it. You were operating with a licensed individual authorized to represent the bank or employed by the bank.  Did you not have every right to rely upon what he told you, and what he gave you to sign?

The ninth element of fraud is the consequent damages suffered by the other party. How much damage have you now sustained?  Credit scores wiped out?  Savings gone?  401K depleted?  Home value dropped? Relationship destroyed? Job lost? Bank claiming you owe them thousands upon thousands in accumulated fees, penalties, and interest? All of the above plus you also lost your home?

If any Fraud exists (or violations of TILA, RESPA, HOEPA, and ECOA) then there is really no good reason for you to give up and walk away.  You need a forensic audit to find out.  Contact a Truth in Lending Auditors Consultant at 307 316 0044.  It may be the smartest thing you ever did.  There’s no reason to lose your home to foreclosure. Visit the Tila website at http://www.tila2.com.

Tags : Truth in Lending Auditors, Tila, Tila2, fraud, Loan Mod, Loan Modification, Forensic Loan audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loan

Today, many homeowners contact Tila Solutions looking for a solution to get their lender to stop disqualifying them, and stop the foreclosure process on them.  Through the use of Forensic Loan Audits, Tila Solutions has been very instrumental in helping these homeowners. You can find out more about Forensic Loan audits and predatory loans at tila-now.com.

Even so, there are thousands of people who do not understand how lenders make money off the foreclosure process.  Here is an excerpt from a FAQ section of a foreclosure website that may shed some light on this:

“Who pays the foreclosure fee and costs?
If the borrower brings the loan current or pays it off, the borrower is responsible to the lender for the foreclosure fee and costs.”

“ . . .If the property is sold to an outside bidder at the foreclosure auction, the foreclosure expenses will be paid by the bidder.”

You may wonder if this is a new trend. Perhaps this post from a distressed homeowner trying to pay off a foreclosure in 2006 will help you to see how this is not a new money maker for lenders:

“HELP!! Foreclosure Fees? Posted by Brad on October 10, 2006 at 08:46:51:

“We are currently 4 months behind on the mortgage. My house is in foreclosure and scheduled to sell on November 7th. I have been trying to work with the mortgage company to salvage the house. I sent in everything asked of me two weeks ago and called every day (sometimes up to three times per day) last week leaving messages for my work out agent to call me on my cell rather than the home since I work. I FINALLY got a hold of her yesterday and she said that since she could not talk to me last week, the matter had been closed out and the original late fees of $400 had now jumped to $1200 and they would again jump this Wednesday. . . .”

“Just got the agreement papers to sign today and the fees have gone up an additional $500 from what they told me they would agree to yesterday. They want 2 months mortgage today and the rest ($576) extra over the next 9 months.”

In 2007, foreclosure fees were being scrutinized and it was discovered that as many as half the loans in chapter 13 bankruptcy had questionable foreclosure fees.  You can see this for yourself with this New York Times Article:  http://www.nytimes.com/2007/11/06/business/06mortgage.html

That was then, and this is now:  CNN Money reported that Bank of America would have to pay out 108 million dollars to settle claims that Countrywide charged homeowners inflated foreclosure fees.

So the next time you hear that your lender will modify your loan free of charge, just remember that they don’t.  The trend appears to be to keep your loan mod extending month after month, while they rack up foreclosure fees. If you do get approved for a loan mod, do miss the point that the foreclosure fees are being added to your principal balance, and you will be paying them off at a “reduced interest rate” for the next two or three decades.

There are again, thousands of reports on file of Lenders convincing people that they have no rights, and that they can count on the lender for help (you know the ones suing you). Saddest of all are the stories of homeowners who lost their homes because they believed their lenders when they convinced them that they did not need professional help. So often, those foreclosures could have been stopped.

Homeowners would be wise to listen to these words from this 13-year-old boy, because he is right.  (His post comes from a comment made to the CNN Money News article of June 18, 2010 entitled Foreclosure tricks cost Countrywide $108 million – his typos have purposely not been corrected.) You may recall that this was the settlement fee that Bank of America will have to pay out to victims of Countrywide’s inflated foreclosure fee practices:

“Matthew Hutchinson Jun 18

“The reason they are able to add all this extra fees is due to them counting on people either being scared, in shock or just plain stupid. They try to take advantage of the publics ignorence on these matters and they are counting all that extra ill gotten money cause they are hoping the people being foreclosed on are dumb as dirt!

“I am 13 and see that it is not right to rip off people that way, but if we did that to them in anyway we would go to jail! No justice at all, unless your rich and in charge!”

You do not have to let the bank rip you off.  Just contact a Tila Solutions Consultant.  They can help you.  Tila Solutions uses loan Forensics to locate all the federal laws that were violated when the lender gave you the loan. Contact a Tila Solutions Consultant at 1- 307 – 459 – 0232 or visit their website at http://www.tila-now.com. They can help you – often when nobody else can.

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There is a homeowner hotline at Tila Solutions that you can call.  Their consultants will interview you and help you identify whether or not you should get your loan investigated because of the possibility that you are in a predatory loan. They can help you determine if your loan is in need of a Forensic Loan Audit.  They can help you determine if the Forensic Audit may help stop a foreclosure.

In many cases, when the lender is reviewing your paperwork to see if they will give you a loan mod, their calculations support that they can make more money at less risk if they do not give you that loan mod.  That is normally why foreclosure gets underway. The Forensic Loan Review is your most necessary resource to help stop foreclosure.

When a homeowner is rejected for a loan modification by the lender, a Forensic Loan Audit is the critical first step that he or she should employ to resolve the situation.  Banks are not and never have been there to help people; they are money makers- either you make them money or you don’t. If you don’t, then you are of no interest to them.  The lender does not consider hard times as a good reason to give you a loan modification.  They are only interested in seeing the loan they gave you produce a monthly payment made on time.  And if your loan is a violation-free loan, then normally you should have no trouble doing this, even when you are experiencing some hard times!

Tila Solutions is an Audit Company that investigates loans.  If you have a predatory loan, you will need a Forensic Loan Audit. If you feel that there was any kind of “funny business” or pressuring to get you into that loan, then you should have it audited.  It helps you get the loan mod.

A Forensic Loan Audit, Forensic Loan Review or Mortgage Audit is a detailed examination or investigation of the loan that the bank gave you.  The audit is done to find all the Federal Laws that the banker violated.

Do you remember when you signed your loan documents? Do you recall reference to TILA, RESPA, HOEPA and ECOA?  Those laws were passed to help prevent you from getting a predatory loan – which is a loan that puts you on the road to foreclosure. These laws are also supposed to ensure that you understand what you are getting before you sign, and give you a choice to rescind.  Tila Examiners review all these Federal Laws that protect you as a borrower.

While Tila Examiners are conducting this investigation of your loan, they are also on the lookout for fraud committed by the banks, and they find plenty of it!

Tila Examiners will methodically go through your loan sometimes producing a report numbering in the 40-page range. As you may have surmised, your lender loses much firepower against you and no longer has the ability to pursue other money-making routes if the loan contains federal violations or fraud.

Do you know that some people have been told that a Forensic Loan Review will do them no good!  This is false.  But do keep this in mind:  once the Forensic Loan Audit is completed, something must be done with it in an effective manner. Because lenders, who often seem to operate above the law, will tell homeowners it means nothing and that the homeowner just wasted his money, some homeowners just shut down, they need somebody on their side who knows what to do with the bank.   That is why Tila Solutions offers a free service to help negotiate on your behalf once the investigation is completed.  The Lenders push borrowers around and mislead them all the time.

Borrowers have to remember that it was these people who lied to them when the lender gave them the loan, and it is these people who are still lying to them.  Tila Negotiators work on behalf of the homeowner to make sure that you get your loan modification.

A Forensic Loan Audit helps with commercial loans as well as a residential loan. If you have been turned down for a loan mod then contact a Tila Solutions Consultant. If you are nearing or are in foreclosure, a Tila Consultant can help.  They can also help people who are current on their loans or those with investment properties.

Just remember that the Tila Consultant is on your side.  You can call one of the consultants today at 1 — 3 0 7 — 4 5 9 — 0 2 3 2.  The Tila Solution website has much valuable information and a variety of solutions.  Visit at http://www.tilasolutions.com/ to learn more about a Forensic Loan Review and to learn how to take advantage of the free negotiation service offered by Tila Solutions.

Tags: Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, Mortgage Audit, predatory loan, Fraud, Loan Modification, loan mod foreclosure

Let’s see how this rates against other common approaches taken.

Scenario One: You contact the bank, fax in the documents they request so that you can see if you qualify for a loan mod.  Happily you go to work waiting to hear the results.  The results are in:  You’ve just picked up a foreclosure notice on your door.  And, there are letters claiming the bank never received your documents for a loan mod in your mailbox.  The cost of the foreclosure is being added to your mortgage, and you are being told that you have so many days to cure the default or foreclosure will begin.  You don’t have the several thousand dollars to cure the default and you lose your home:  100% failure rate for a loan mod in this scenario.  You never even had a fighting chance:  You didn’t have a Forensic Audit.  You didn’t have anybody to ensure the bank actually did their job.

Scenario Two: You’ve done a good bit of research on the internet and learned that the banks are being accused all the time of fraud. In fact you’ve concluded they are fraudulent, disorganized, they mislead you and provide false hope.  You can’t help but feel betrayed and distrusting as you research and learn how they lose papers, constantly find fault with you, and have more ways to disqualify you than you ever imagined.

Thus you are “armed” for success.  You contact the bank, put in your request for loan mod and repeatedly call and refax forms until you can no longer figure out how anything could ever be lost so often.  With all this hard work, several months pass and finally you are approved for a loan mod, but the terms are completely unacceptable because you needed a lower monthly payment, and the bank rolled in escrows, and put all their fees to the back of the loan, and now you owe much more than the original loan. (and they say loan mod is free?) You won’t be able to afford the payment for long.

But you had some success –  if you feel you can call it that:  2% – 10% success rate in this scenario.  You are just stuck with what they gave you, and you never really had any negotiating power at all.  A forensic Audit could have changed this for you.

Scenario Two A: Despite your terrific intentions, as described above, and while the bank is telling you that they have it all under control, you receive notice from the bank’s lawyers that they are suing you.

Foreclosure has begun.  You call the bank back they tell you not to worry; they still “have your back” for loan mod, and reassure you that you don’t need professional help.  They (who are charging you for the lawsuit they have brought against you) are “concerned” that you may be paying a professional company to help you and the bank tries to deter you, soothingly convincing you that you can work directly with them. Sadly, you agree to be soothed by the group that is suing you and don’t get professional help.  A few weeks pass and you have been disqualified for a loan mod and the bank owns your home.  100% failure rate for loan mod in this scenario.   Again, there just was no real fighting chance.  The bank mislead you and worse yet they advised you to do things that did not protect you from foreclosure.  What would have happened if you had had a forensic audit completed and had somebody who knows how to handle the banks working on your side?

Scenario Three: The Hamp Program.  You’ve been prequalified and you know you are going to make it.  You make your three payments and you do all your paperwork.  Somehow, the three months turns into 9 months, but you actually got the loan mod.  2% to 4% success rate.

Scenario Three A: Despite the above, somehow the bank found a way to take all that money from you and then disqualify you.  You are now in foreclosure and worse still they’ve identified all your “missed payments” as reason to go ahead and give you a auction date too.  Now you find that you have two weeks until they auction off your home.  100% failure rate for a loan mod in this scenario.

Scenario Four: You hire an attorney and let him deal with it all.  25% to 50% success rate in this scenario.  (Most attorneys do not use forensics – sadder still – they think forensic audits are not necessary.  How incredulous is that:  “No Mr. Homeowner, we don’t need the laws of the land that have been passed since as far back as 1969 to protect you to get the bank to stop misleading, lying, and falsely advising you,” Mr. Attorney replied.  – That’s not even a fifty/fifty chance.

Scenario Five: You hire a loan mod company and let them deal with it all 25% to 50% success rate in this scenario.  Same thing:  No forensic audit.  No leverage, no way to truly negotiate – only puppets of the bank.

Scenario Six: You learn there is a company that has the edge – they do forensic loan audits.  Then they negotiate new terms with your lender.  The banks tell you those companies are scams, the attorneys tell you the same, and of course the loan mod companies tell you that you just need to qualify at the bank and they know how to “make” you qualify so again you don’t need a forensic audit.  Yet the people are losing their homes with these attorneys, banks, and or loan mod companies.  Homeowners should always arm themselves and never lose sight of the fact that federal laws protect them.  Lenders violated them.  Attorneys don’t always know those laws and thus can’t work with them, loan mod companies only know how to “bash” those laws.

A Forensic audit is a very precise examination of the federal laws that guide lenders when issuing loans and protect homeowners from ending up on the road to foreclosure.  If you are not using them, then your chance of success is dramatically decreased.

Tila Solutions is the premier company for forensic audits. Their success rate for saving homes from foreclosure using forensics, negotiations, and a host of other tools has them elevated to a 90 percentile range.  Moreover, Tila Solutions can actually help homeowners who have lost their homes and want them back.

Tila Solutions Consultants are available to discuss your situation and the loan the lender gave you.  They’ll look to see if there are any signs of a predatory loan, they’ll review to determine if there have been any predatory actions against you by your lender.  They will discuss how to proceed and if foreclosure is becoming a crisis, review options and solutions.  A Tila Solutions Consultant is available for you by telephone at 1- 307  459  0232.  Or you can visit the Tila Solutions website at http://www.tilasolutions.com.  They will help. They are on your side.

Tags: Forensic Loan Audit, Stop Foreclosure, Tila Solutions, Tila, Forensic Loan Review, Mortgage Audit, predatory loan, Fraud, Loan Modification, loan mod foreclosure, mortgage fraud, Loan modification, foreclosure information, short sale, 2 stop foreclosure

Despite government intervention, people continue to churn and burn while desperately hoping for a Loan Mod, while thousands report abusive, deceiving, unfair and inept practices in the Loan Mod Departments.  Foreclosure statistics are still on the rise — they are moving along seamlessly, however, those departments are adequately staffed.

Lenders, bankers, news media – and even government officials warn you away from seeking professional services to help you save your financial life and your home. . .   Why?

The clue lies here in a video recently released on the web – you probably saw it.  In summary, it states that IndyMac makes more money foreclosing, short selling, and collecting from the FDIC than they do modifying loans.

Some allege that the deal has been made with other banks who bought out failing loans, such as Bank of America, Chase, and Wells Fargo too.  As news of the Goldman Sachs Investigation hits the papers (banks put people into failing loans purposely so they could clean up on the stock market when they failed).  Bankers scammed homeowners.
Tila Solutions personnel hear from homeowners daily how they are being forced into foreclosure or short sale by their banks.  This strongly suggests that the findings in this video may have merit.

The money is in foreclosure and short sales. Loan Mods are not profitable and the professionals that could and do help are often maligned. (Companies like Tila Solutions are cutting into the bank profits when they save homes).  It makes sense really because bankers are not in the business of helping people, they in the business of money-making.

Tila Solutions is in the business of providing forensic loan audits, and helping homeowners save their homes. That’s got to wreck those bank profits in the foreclosure and short sale departments!

But, how did we end up as a nation in foreclosure?  Who did it?  More importantly, who scammed you originally, and who is still scamming you now?  Read on.

It started in the late 90’s:  a 1999 Orlando Sentinel article states, – In a move that could provide stronger consumer protections for more than 1 million new home buyers a year, the federal government plans to take a novel, get-tough approach with lenders: It’s going to hold thousands of banks and mortgage companies directly responsible for the number of home buyers they finance who fall into default or foreclosure within the first 24 months after loan closing. (gotta wonder what the heck happened, don’t you?)

Over the past decade estimates are as high as 80% of the loans issued by banks contain federal violations and are predatory loans.  Now there’s a huge contributing factor to escalating foreclosures and bankruptcies over the past five years!  (Tila Solutions has still not investigated a loan that did not contain numerous violations!)

And how many banks issued predatory loans that they then collected that federal mortgage insurance on after they foreclosed on the homeowner (and so often the homeowner didn’t know he had been foreclosed upon – he thought he was getting a loan mod). Tila hears from and helps these homeowners every day.

How about WaMu – once touted as the nation’s largest bank (they’re out of business now)

Seattle Times reported in October of 2009, that the fallout from the ‘biggest banking collapse in U.S. history shows no sign of ending soon.”  What fallout?  It’s all those lawsuits and federal investigations alleging securities fraud “whether fraud played a role in WaMu’s collapse,” and bankruptcy.

Of course, WaMu was shut down by the FDIC, and Chase was forced to buy their failing loans. Of course, Tila Solutions gets hundreds of calls from homeowners, desperate to stop Chase from foreclosing on their WaMu loans – you know those loans they produced that now has them being investigated for fraud and securities violations (back to issuing loans designed to fail for the benefit of the stock market, are we?)

Today, Chase is servicing all those loans.  Still burning and churning in Chase’s Loan Mod Department – listening to their recording which says, “we will modify your loan for free” while hoping to hear from a customer service rep that you don’t have to fax your tax return for the 20^th time, or fearing that you will hear that since you didn’t, you will now be foreclosed upon.

Or are you one of the more recent statistics – a person who thought they were getting a loan mod (for free) even made all your trial mod payments, and then received your auction date in the mail? They may claim to modify your loan for free – but rest assured they charged YOU several thousand dollars to foreclose on you.

Why on earth wouldn’t you get Tila Solutions to investigate and negotiate for you? The bank hired a professional to foreclose on you.

Many homeowners still, to this day, appear to put their faith in the banks – but would they have if our government’s efforts to stop the bank scams had made a much bigger media splash?

Summing things up then:

Can we be so bold as to assume that under the pretense of “working” to modify loans, they are taking homes in record numbers?  Tila sees the rising foreclosure statistics as a strong indication that this is the case.

Why is there no steady onslaught of media reports on this? How is bilking homeowners out of thousands of dollars in trial mod payments before their homes are foreclosed upon not a scam?  Tila Solutions helps homeowners stop these actions daily.

In an article in the March 4th 2010, Orlando Sentinel, we see that Bank of America carries the lowest scores for loan mods:  “The lender, one of the nation’s biggest banks, holds more than a million mortgages that are months behind on their payments — twice as many defaulting home loans as any other lender in the country. But it has given permanent mortgage modifications to only about 1 percent of those borrowers — one of the lowest rates among lenders nationally.”

Unless the home owner stops “listening to what the banks say” and starts reading the lawsuits the banks are passing out like lollipops when you make a deposit, the foreclosures are going to just keep on multiplying.  It is time to stop thinking the bank is going to help you.  It is time to start helping yourself.

Investigations have resulted in fraud and federal violations being found and addressed – albeit not adequately by our government, but even they cannot ignore them. Thus, one can surmise that when federal violations and fraud are found doors have opened – at any level.

Tila Solutions finds these violations, and doors open – no matter how the lenders may wish to deny it.  TILA, RESPA, HOEPA, ECOA and Fraud violations when found in a loan open doors and save homes.

Do yourself a favor and contact Tila Solutions. Take matters into your own hands.  Just remember this:  The bank wants your money and your home.  Get a Forensic Loan Audit and let the people at Tila negotiate new terms for you with the bank.

Tila Solutions can be contacted at 1 307 459–0232. You can find out more about Tila and Forensic Loan Reviews at http://www.tilasolutions.com

Tags: Tila Solutions, Tila, Tila-now, Loan Mod, Loan Modification, Forensic Loan Audit, Loan forensics, Foreclosure, stop foreclosure, scam, predatory loans