Errors in loan documents can save strapped homeowners

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Paulson's Blunders as Debt Securitization Market Remains Frozen

The Corrupt Origins of Central Banking

Obama Chief of Staff Rahm Emanuel Tops Recipients of Wall Street Money

Henry H. Klein - Jewish Martyr for American Freedom

Global Economic Criminals - 2 - 3

Zionists Subjugate Our Nations by Controlling Our Political Parties

Choosing Evil – Are Elections the Great American Illusion?

Inverted Totalitarianism US Politics & Government

Brave New World 2008- Loving Your Servitude

Federal judge tells trust to show clear mortgage documentation in foreclosures

Errors in loan documents can save strapped homeowners

Woman Tried to Prevent the Financial Mess Silenced by Greenspan, Rubin, Summers

Politicians, lobbyists shielded financiers - Lack of liability laws fueled firms' avarice - 1

Mortgage system crumbled while regulators jousted - 2

Naked Short Selling and Phantom Stock by Criminals in the Financial Markets

Bailout by Stealth

Money and Votes in Last Debate Over Bank Deregulation

Bailout in the Public Interest Should Not Reward Profiteers

Panic Consolidate Game Over but Not for Gold and Silver

The Inevitable End of the Central Banking and Political Money Regime

Fraud in Global Economy: The Law of Supply and Demand Is Dead for Gold and Silver

Hedge Funds, Naked Short Selling, Phantom Stocks and Stock Market Collapse- 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 10 - 11 - 12- 13 - 14 - 15 - 16 - 17

The Coming Collapse of the Modern Banking System: Staring Into the Abyss

Economic Collapse of 2008 An Inside Job - 2

Behind the Stock Market Illusion is Government Collusion

The Federal Reserve Dollar is Private Money Derived from Private Credit

Real Story of Money is Global Control

I Want The Earth Plus 5% -- an allegory that's not a fairy tale.

Collapse of the Dollar: How America Was Set Up to Take a Fall

Confronting the Illegal Money System

Final Warning: A History of the New World Order

War and Emergency Power Act Portal to Dictatorship - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9

TechnoFascism Is Totalitarianism Hidden in the Form of Democracy

Pledging Allegiance to the All Powerful State

Billions for Bankers - Debts for the People - 2 - 3 - 4 - 5 - 6

Civil Disobedience - 2 - 3

Promoting Pentagon Propaganda

Manipulating Public Opinion

Edward Bernays Father of Spin

Propaganda by Edward Bernays

Vance Packard
Hidden Persuaders

History as a Tool of Propaganda

Origin of Holocaust Propaganda

The Origin of the Legend of the Six Million

False Flag Anti-Semitism

Fake Holocaust Memoirs

Zionist Nationalist Myth of Enforced Exile - Israel Deliberately Forgets Its History - Schlomo Sand

Deconstructing the Walls of Jericho: Who Are the Jews?

The Wandering Who?
by Gilad Atzmon

The Club of Rome

The Limits to Growth

Report from Iron Mountain on the Possibility and Desirability of Peace - 2 - 3 - 4 - 5

Food As a Weapon to Control People

Global Food Cartel an Instrument for Starvation - 2 - 3 - 4

The Mythical Lincoln

Peak Oil Introduction - 2

Unalienable vs Inalienable

Bank Fraud Exposed - Money out of YOUR Pocket!

Australian Bank Malpractice: Crucifixion and Resurrection

Australian Justice, Court Jesters, and Constitutional Crisis

Unfinished Business: Searching for a National Conscience

The Australian Bank Heist Condoned by Reserve Bank Watchdog

Bank Fraud in Australia is Systemic - part 2 - part 3

The Foreign Currency Loan Experience in 1980s Australia: Dwyer v Commonwealth Bank of Australia - 2 - 3 - 4 - 5

The Quade Appeal on Decision vs CBA - 2 - 3 - 4 - 5 - 6 - 7

Jones Letter to CBA Noting Hypocrisy concerning Dwyer

Bank Fraud in Australia Is a Step Toward Controlling the Economy and the People

Bank Fraud was exposed in Minnesota by one incorruptible Judge and an honest Jury of Peers

Judge Martin Mahoney on the Federal Reserve

The Mandrake Mechanism

A New Beginning: A Practical Course in Miracles

Drug Smuggling Is Another Way that the Money Powers Have Profited from Control of Government

The Cash Cows of Personal Debt

INTERNATIONAL CONSPIRACY OF LAWYERS

Plan for Pygmy Plunder

The Price of Free Corn

WHAT IS MONEY?

Why Taxes Are Not Necessary

Income Taxes are Cartoon Images of the Law

Hidden Truth about Income Taxes

Agent Reveals IRS is a Fraud

Canadian Class Action Charging Illegal Creation of Money

JFK and Executive Order 11110

Taking Control of your TRADE NAME!

911 was a Day of Infamy

FEMA on Target

Fairy Tale at Emma E. Booker Elementary

Seven 9-11 Hijackers Are Alive and Well

Framing bin Laden

NOT WANTED in connection with the events of September 11, 2001

Employer of the Dancing Israelis Got $498,750 from SBA before 9-11

Demolition of the World Trade Center

World Trade Center 7 Demolition

Towering Inferno

Jet Fuel at the World Trade Center

Law of Free Fall and 9-11

Such an Act Could Not Be Imagined

A Missile Not Flight 77

Rabbi Dov Zakheim Zionist

9-11 Cell Phone Use Was a Hoax

Flight 93 Crash - 2 - 3 - 4 - 5 - 6

9-11 Has Shown the Face of the New World Order

An Independent Investigation of 9-11 and its Zionist Connection

They Hate Us for Our Freedoms

London Tube Train Bombings Were an Inside Job

Errors in loan documents can save strapped homeowners

Even small mistakes in the paperwork may give borrowers the legal leverage to persuade lenders to rework their mortgages.

By Lew Sichelman, United Feature Syndicate
October 12, 2008

WASHINGTON -- Homeowners who are having difficulty getting the attention of their lenders to discuss their troubled mortgages might want to obtain a forensic loan review to determine if their lenders made any mistakes when the mortgage was issued.

Even a $30 miscalculation on the lender's part could be an actionable offense, and the threat of a lawsuit can be enough to persuade the lender to deal with you in trying to find a way to help you work through your financial difficulties.

In a forensic loan review, a legal pathologist scours your loan documents looking for errors in, among other things, the truth-in-lending statement the lender provided shortly after you applied for your mortgage and the lender's annual percentage rate calculation so you could compare loan costs.

If the truth-in-lending statement doesn't match the HUD-1 closing-cost sheet you received at closing, if the APR is off by just a hair, you might have cause for legal action against the lender.

Typically, forensic loan audits are ordered by mortgage investors to determine what kind of legal liability confronts them in the pools of loans they already own or are considering buying. As a so-called business-to-business service, they are not generally available to individual borrowers.

But we offer comprehensive loan-document reviews to consumers as part of our service to help homeowners facing foreclosure.

The reviews aren't cheap. The fee could be as high as $3,000 depending on how much is owed on your mortgage. But if an error is found, it could be the 2-by-4 between the eyes you need to force the lender to move you up to the front of the long, long line of borrowers who are looking for ways to hold on to their homes.

"In some cases," says such a company's Jon Maddux, "if people were simply overcharged by $30 on the final HUD-1, or if the APR was higher by just 0.125% than was originally disclosed, this may give the lawyers leverage when negotiating with the lender to grant a beneficial loan modification."

Maddux and his partner, Chad Ruyle, say the chances are excellent that, somewhere in your loan papers, they will find a mistake.

They say that well over 80% of the recent audits performed by Loan Safe have revealed major truth-in-lending violations, errors in the good-faith estimates required under the Real Estate Settlement and Procedures Act, illegal predatory lending practices or even fraud.

"With 60 pages of loan documents, there's bound to be a mistake in there somewhere," says Ruyle, a real-estate and estate-planning attorney. "Maybe some pages were left out, or they are in the wrong order. Perhaps some of the language is just plain gibberish, or maybe there is a technical error."

The 80% claim seems a little high to Jeffrey Taylor of Digital Risk, an Orlando, Fla., firm that performs forensic loan audits on behalf of mortgage investors. But because his company finds "material misrepresentations" in 57% of the loans it reviews, he says an 80% error rate is "very possible."

Intentional or not, mistakes by mortgage brokers and lenders are characteristic of the housing boom, when there was a rush to approve the application of practically anyone who could fog a mirror. Now that the boom has gone bust, borrowers can use these errors to try to keep their homes.

Forensic reviews "have put a big spotlight on how the average home buyer was abused during the mortgage craze," Ruyle says.

The problem isn't so much that lenders aren't willing to work with borrowers to keep their homes. Rather, it's that they are so overwhelmed that they can't keep up with the onslaught of callers seeking help.

That's why some consumer advocates advise troubled buyers to order forensic loan audits to determine whether their loans were predatory or violated lending laws.

Here's your NEXT STEP

Free Preliminary Consultation Form

In accordance with Title 17 U.S.C. Section 107, this material is distributed without profit to those who have expressed a prior interest in receiving the included information for research and educational purposes.

Hedge Funds, Naked Short Selling, Phantom Stocks and Stock Market Collapse- 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 10 - 11 - 12- 13 - 14 - 15 - 16 - 17

The Coming Collapse of the Modern Banking System: Staring Into the Abyss

Economic Collapse of 2008 An Inside Job - 2

Behind the Stock Market Illusion is Government Collusion

CAFRs Are the True State of the State, Not Budgets

Comprehensive Annual Financial Reports Expose Fraud - 2

Money and Votes in Last Debate Over Bank Deregulation

Bailout in the Public Interest Should Not Reward Profiteers

Panic Consolidate Game Over but Not for Gold and Silver

The Inevitable End of the Central Banking and Political Money Regime

Fraud in Global Economy: The Law of Supply and Demand Is Dead for Gold and Silver

REAL Freedom Library

History of Banking Fraud: The Coming Battle By M. W. WALBERT

The Coming Battle documents from Congressional records, newspaper reports and writings by the founding fathers and others a chronology of events long forgotten that shaped our fledgling nation from 1776 to 1899. Read about the manipulation of our money and its supply, the intentional creation of recessions, depressions and panics, manipulation of the stock markets, and the demonetization of silver.

Secrets of the Federal Reserve by Eustace Mullins

Eustace Mullins' carefully researched and documented treatise picks up from Walbert's expose' and brings it to the mid 1980's

The World Order by Eustace Mullins

How control of the world's money has inexorably led to an ever tighter grip on control of the world's people.

Brave New World by Aldous Huxley

Huxley presents a dystopic view of a future in which mind-control creates a harmonized society stratified into classes suitably manipulated and deprived to carry out work tasks with a hive mentality. A foreign element is inserted when a high ranking Alpha brings a Native American from a Reservation and a new perspective on freedom gnaws at the fabric of the propaganda matrix.

Propaganda by Edward Bernays

Walter Lippmann's book, Public Opinion, published in 1922, detailed the study in which he and Edward Bernays were involved while in London during the First World War. It had to do with painting pictures inside people's heads, which were cunningly and deliberately designed by expert craftsmen to mislead not only individuals but entire societies.

Pawns in the Game by William Guy Carr

This is the classic expose' of the New World Order from a Commander in the Canadian Navy through the first half of the 20th Century. Commander Carr was introduced to the Hidden Hand early in his life and pursuing its mysteries became a lifelong mission.

Social Credit by CH Douglas

In every country of the world the global financial system has repeatedly been brought to the Bar of Public Opinion as the chief factor in world unrest, and there is little doubt that the jury of We the People has confirmed the Verdict somewhat rhetorically expressed by Mr. William Jennings Bryan in his famous election speech: "The money power preys upon the nation in times of peace, and conspires against it in times of adversity. It is more despotic than monarchy, more insolent than autocracy, more selfish than bureaucracy. It denounces, as public enemies, all who question its methods, or throw light upon its crimes. It can only be overthrown by the awakened conscience of the nation." Social Credit by C.H. Douglas can clarify the issues from which we can move forward to create a financial system that is fair and equitable.

Final Warning: A History of the New World Order by by David Allen Rivera

David Allen Rivera has assembled a very carefully written history that can serve us well. To have been ignored in the history books, by the colleges and universities, the print and electronic media, and the entire national and international discussion shows their power to control the flow of information as much as they control the flow of money. What they intend to do with this power and influence should be one of the most vital topics of conversation.

An Independent Investigation of 9-11 and its Zionist Connection by Dr. Albert Pastore

History provides patterns that we can learn to recognize so that we can avoid them. Properly presented, history provides any of us with invaluable tools to help us see behind the illusions. No one who is paying attention to the patterns and their application to today's events would fail to miss the signals or the dog that fails to bark.

Uranium Wars by Leuren Moret

How control of the world's people has inexorably led to wider use of depopulation methods which include spreading radioactivity in food, water, air, and the human genome.

Taking Back Your Power by Allen Aslan Heart

WHAT CAN YOU DO? Stop playing THEIR game. Take back your power. Stop paying taxes that are not legal or lawful. Stop paying bills you don't really owe. Debt Elimination! Stop using THEIR money. There ARE ways if you open your mind and look for the gaps in their fences that keep the sheeple in their pasture. Are you chattel or a real person? You are the one who makes that choice.

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Errors in Loan Documents Can Save Strapped Homeowners
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		"I care not what puppet is placed upon the throne of England to rule the Empire on which the sun never sets. The man who controls Britain's money supply controls the British Empire, and I control the British money supply." Another son, Nathan Mayer Rothschild bragged. Whoever controls the volume of money in any country is absolute master of all industry and commerce. --President James A. Garfield The most likely culprits of this manipulation are all members of the U.S. President’s Working Group on Financial Markets (the SEC, the Commodities Futures Trading Commission, the U.S. Treasury, and the U.S. Federal Reserve). A massive disconnect between the price of gold and silver in physical markets and the price in paper futures markets, of the extent that happened last month, either means that the Law of Supply and Demand has just been proven to be invalid, or that massive fraudulent manipulation just occurred. I will let you make this conclusion.

Errors in Loan Documents Can Save Strapped Homeowners

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Errors in loan documents can save strapped homeowners