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Where to locate Super Bowl tickets and Super Bowl packages
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Are You a Victim of Bank Perpetrated Fraud?

Often the people who come to Truth in Lending Auditors feel that they have been the victim of fraud perpetrated by the banks. The type of fraud that now has them in foreclosure, and desperately trying to get a loan mod. They often feel that the bank or broker ran a scam on them. They feel betrayed and untrusting. Often this distrust will prevent them from taking any action at all. Sadly, They’ll lose their home to foreclosure all because of a predatory loan.

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

Buying Top Notch Humidifiers and Filters

Taking good care of your house is an ongoing gig, so is taking care of the persons inside of it. Purchasing things that benefit both is incredibly important for the homeowner. Purchasing humidifiers and a filter helps not only with the upkeep of the hoome but also helps to ensure that the residents are comfortable and safe.

Filters are extremely important. They help to keep out the negative stuff. For example, a furnace filter aims to keep out dirt, dust, mites and particles which can really make residing in a home more and more intolerable due to the furnace not operating right. Exchanging a furnace filter on a scheduled basis or as necessary is a very good way to handle
maintenance.

Other types of filters that may be benefical in a persons home, include refrigerator water filters. These work to keep out impurities and things that can be dangerous and unappetizing. As persons become more knowledgeable about the dangers of pollutants, they are becoming more determined then before to keep them self and their loved ones safe from it whenever and however they are able. Using refrigerator filter is one very easy and fairly inexpensive way to do just that. Filtreteis a very good brand.

Humidifiers are very beneficial as well. They are extremely good for relieving individuals of discomfort and congestion due to to sinus infections, the flu and cold. A humidifier can help add moisture to the air, which in turn helps improve dry nasal passages and skin. A good quality piece of equipment can help thin out mucous which makes it easier to breath. An Aprilaire Humidifieris a top-of-the-line brand that those who need a humidifier might want to consider. Purchasing a humidifier is not the end of the matter. It is crucial to adequately maintain it. Humidifier Filterswill be a necessity. It helps to ensure that the humidifider doesn’t get clogged up with dirt, dust or other particles.

How Good Are Your Chances For a Loan Modification?

There is nothing more powerful than a forensic loan audit to stop a foreclosure, stall a foreclosure, or prevent a foreclosure, and then successfully bring loan modifications to the homeowner.  The success rate using Tila Solutions is greater than any other approach currently known.

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

When A Health Savings Account Is The Ideal Option For You & Your Loved Ones

A Health Savings Account is a terrific option for certain people and families. It is a specialized account that is used in concert with compatible plan. An individual who wishes to use a Health Savings Account will find that they need to set aside money for common medical expenses. These monies are tax deductible and can be used to pay for certain medical costs.

Many insurance plans which are compatible with these types of accounts have high deductibles. For single persons, the deductible range might be between $1200 and $6000. For families, this figure may be somewhere between $2400 and $11,900.
Health Savings Accounts offer one especially important benefit to users. It makes it possible for persons to forgo taxations of a portion of ones income. Single persons are able to place up to $3,050 to their HSA account and families, $6,150. Above the line deductions, those contributions made prior to April 15th of a particular year, qualifies as a tax deduction for the present tax year.
Though these types of accounts are not appropriate for everyone, they work very well for some persons and families. There are some very concrete benefits to using this type of health insurance product. We will discuss what some of those are below.
Health Savings Accounts Work In Concert With High Deductible Insurance Plans
Individuals who have health care plans with high deductibles may find it helpful to put money into an account that can pay for deductibles if and when needed. For example, if an individuals insurance plan requires them to pay a $2000 prior to when their coverage kicks in, having this amount of money (more or less) in a Health Savings Account makes it possible for them to pay it without having to come up with it all at once.
HSA Accounts Help Individuals Cover Common Medical Expenses
Money from this account can be used to pay for common medical expenses such as over-the-counter and prescription medications, co-pays, hospital stays .

Decreasing Taxable Income Saves Users Cash
Decreasing the amount of money that a person is taxed is nearly always beneficial. This helps to lower their tax load and thus, the amount of money they have to pay to the government. Because more then $11,000 can be placed in a family Health Savings Account, this can lead to significant tax savings.

In summary, a Health Savings Account can provide a tremendous amount of benefit to those onsidering using this type of account. It provides a tax benefit and allows individuals to set aside monies for common medical expenses.

Why You Need A Quality Dental Plan

Lots of individuals don’t understand the importance and value of a good dental plan until they need it but don’t have it. The price of even basic care and maintenance can add up for individuals who do not have a ton of extra income. If a person requires extensive work, the costs can become prohibitive. Dental Insurance help to keep monetary outputs in this area at a minimal level. Below, we will take a look at 3 reasons why you and the people you love should not go without an adequate dental plan.

a. Poor Oral Health Can Cause Heart Disease: Studies have proven that poor dental health can lead to in heart disease. Plaque build-up in the mouth can lead to build-up in the heart as well. Not having ones teeth cleaned regularly can cause a great deal of harm in this regard. The vast majority of dental plans will cover cleanings.

b. Lack of Regular Dental Care Can Lead to Premature Aging: Discolored, unhealthy teeth can easily age a person 10-15 years. A white, healthy smile can conversely, make individuals look younger and more fresh. Taking good care of ones teeth not only has health benefits but also cosmetic ones.

c. Nip Potentially Big Problems In The Bud: Having dental insurance makes it impossible for persons to head off problems which may develop if a person fails to receive adequate dental care. A decent dental insurance plan allows individuals to receive the care they need because individuals are more apt to receive treatment for dental problems when required procedures are covered by their dental plans. Conversely, when a person is forced to pay for expenses on their own, they may delay them until they are necessary. Often times, more serious dental problems have developed, which becomes more costly to treat.

Summary
Dental insurance is very important. Failing to obtain it is a huge risk which may cause a great deal of problems. Poor dental hygiene and health can cause heart disease, a very troubling condition. Teeth which are not well taken care of can give the appearance of premature aging. Lastly, not receiving consistent and necessary oral care can cause a worsening of dental problems. A cavity which might have been able to be filled, may need a root canal or an extraction because individuals are not able to visit a dentist on a consistent basis because they are unable to afford to on their own because they don’t have a dental plan. This can lead to a great deal of discomfort and dread for those individuals who dread going to the dentist. It can also result in more costly care then might have otherwise been the case if a person had a dental plan which covered basic care.

Why Are You Listening to Your Lender?

Looking around on the internet, one very clear statement comes across – Lenders lie to homeowners. Why are you listening to your lender? The most common lie is that the lender really wants to help you, and is working on a loan mod for you, but actually he is just stalling while he waits for the foreclosure to complete.

Tila Solutions saves homeowners from these lies every day.  Tila Solutions conducts forensic loan reviews for homeowners. Tila then helps them get a loan mod, using those results to show the lender that he has given the homeowner a predatory loan. The forensic audit shows that there are numerous TILA and RESPA violations (and often there is fraud) in the loan.

You can find thousands of stories online that show what is happening to homeowners.

The lie: “We are working on a loan mod for you.”

The truth: “We are foreclosing on you and expect that you will be stupid enough to ignore the foreclosure proceedings waiting for the loan mod that will never come.”

Here s an example of the lies from Rip Off Report (a small excerpt only) – as far back as 2002!

“My loan was assigned to Chase in February of 2002. Chase contacted me in December of 2003 offering me a loan modification. This sounded good to me because I was struggling due to a horrible payment plan they offered me when I had fallen behind in May of 2003 due to an illness. At that time, they took me from paying $710 to $1,310. In hindsight, this is when I should have gotten an attorney involved.

“I was given the particulars of my new “loan modification” by a Chase representative and was waiting to receive the papers to sign. I waited six months! I called and I called and I called again. I finally called a lawyer. Once Chase received his letter, they responded to me. They responded by telling me that they would not give me the modification that “I” had requested, and that I should find a way to either pay off my entire loan or get financing elsewhere. I was in shock!

“Little did I know, this was only the beginning. What Chase failed to tell me was that, while I was waiting for my loan modification papers, they had commenced foreclosure proceedings against me. “Phyllis Riverdale, New York

Heres another:

“My complaint concerns the Loan Modification that I’ve been dealing with BofA and BAC Home Loans since October of 2009 to help me with my Mortgage payments. ”
“My home equity loan was with BOA for 4 years. When BAC took over and talked to me about their Loan Modification Program, they started splitting my payment letting me pay only half of my mortgage. In the meantime, BAC will be looking into my loan to see if I qualify for a Loan Modification. I sent in all the requested docs, never make a Late Payment, and now after six months BAC is telling me that I have not been accepted into the program and I have to pay the full amount of $16, 051.01 by April, 24 2010 (They NEVER mentioned that if I do not qualify I have to pay whatever the full amount is by he time that they finish the paperwork) They are not giving me the chance for a repayments plan. I looks to me that they are trying to force me out to pay this amount if not I am going to lose my house! I need someone to help us. We have no other choice but to send this letter to everyone to know about this after they told us and told us that we would get help! ”

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 does just that.  First they investigate.  Then they negotiate.

Thousands of homeowners are stuck in predatory loans today.  It was actually the first round of lies from the lender – “these are good loans, and you can always refi in a year or so.” No they were loans that put you on the road to foreclosure the moment you signed the documents and the lenders knew it!

There are several federal laws that protect borrowers.  A Tila Solutions Investigation locates the laws the lender violated, and uses that information to get the lender to give you a loan mod.  You can find out more about Forensic Loan audits and predatory loans at tila-y.com.

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 307 459 0232 or visit their website at http://www.tila-y.com/. They can help you – often when nobody else can.

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