Certified Forensic Loan Auditors

 

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Nation's Only Loan Analyst Certification Class - Register Immediately Seating is Limited

Certified Forensic Loan Auditors Mortgage Securitization Analyst Training Certification Class is a comprehensive 16-hour online intensive seminar. Students study and learn important topics related to Mortgage Securitization as well as complex analysis of how to obtain recorded documents. Trainees will complete (5) five full Mortgage Securitization Audits under the direct supervision of the Senior Auditor. Also covered are the complexities of form and substance related to Expert Witness Testimony and how to use your portfolio of Education and Experience to Educate Judges and Opposing Counsel on Securitization Issues, Chain of Title, and Robosigning. Graduates of the course will receive a Certificate of Completion having met the CFLA requirements necessary to be accredited as a Mortgage Securitization Analyst.

 

Ambassador Mortgage Securitization Analyst Training Certification Class

This is an Advanced Class For Analysts Seeking to Obtain Expert Witness Credentials with a cumulative (40) Hours of Live Instruction.

The Ambassador Mortgage Securitization Analyst Training Certification Class; Sponsored by Certified Forensic Loan Auditors "CFLA" is a comprehensive training certification program entitled: "AMBASSADOR Mortgage Securitization Analyst "AMSA"; a cumulative 40‐hour online intensive training seminar. This is a professional development 'how-to' training, and does not imply any State or Federal Government affiliation or Government Certification. Nationally Recognized by Courts, Judges, Banks, and Lawyers in 50 States. Instruction is not State Specific. You do not have to be an Attorney to attend this class.

 

Student Testimonials

CFLA is the recognized leader throughout the U.S. as experts in Mortgage Securitization and Training. As founders and creators of this industry, we have long set the bar for expectations of a Auditing Company. Our experienced staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory Lending, Mortgage Fraud and Securitzaiton Fraud.


Breaking News

New Strategies: Request for Comments from Attorneys and Interested Parties
livinglies.wordpress.com | May 15, 2019
I am currently looking at a few new strategies. I will briefly outline them here not as recommendations but as possibilities that I think deserve exploration. As part of the collaborative effort of the LivingLies blog started in 2007 I am again asking for feedback as I analyze these strategies for legal foundation and likelihood of traction in Federal or State Court.
Read more

The Big Hoax: Are "Sales" of "Loans" and "Servicing" Real?
livinglies.wordpress.com | May 14, 2019
References to sales of loans and servicing rights are usually merely false assertions to distract homeowners and lawyers from looking at what is really happened. By accepting the premise that the loan was sold you are accepting that the loan was (a) real and (b) owned by the party who was designated to appear as a "Seller."
Read more

What is the difference between the note and the debt? What difference does it make?
livinglies.wordpress.com | May 13, 2019
This case reads like law review article. It is well worth reading and studying, piece by piece. Judge Marx has taken a lot of time to research, analyze the documents, and write a very clear opinion on the truth about the documents that were used in this case, and by extension the documents that are used in most foreclosure cases.
Read more

How to Write an Appeal Without Looking Silly
livinglies.wordpress.com | May 8, 2019
Besides strict compliance with all appellate rules, lawyers must be in strict compliance with common sense. I know of no better way to immediately eliminate your chances on appeal than to assert abuse of discretion unless you have a situation that is shocking and stupid. Everything else comes under the heading of reversible error. Abuse of discretion means that the judge had discretion and went ultra vires --- beyond the bounds of his/her authority. Abuse of discretion is a part of the larger set of reversible error.
Read more

Foreclosure Defense Revisited
livinglies.wordpress.com | May 7, 2019
Originally posted in November, 2008 this illustrates what happens when you destroy notes and then "recreate" them for purposes of claiming you have the original in court. The fact remains that neither of them had the original note because, as the Florida Bankers Association told the Florida legislature, it was industry practice to destroy the notes and then rely on the original.
Had it not been for a judge who was alert and had a good memory BOTH would have received a foreclosure judgment and possibly the clerk would have sold it twice, once to each claimant under a "credit bid" signifying that it was the owner of the debt --- a blatant lie by both claimants.
Read more

Two Foreclosures, One Property, One Owner, Both Claiming Possession of the Original Note, Neither Claiming Ownership of the Debt
livinglies.wordpress.com | May 6, 2019
First the investment banks told the servicers to initiate foreclosure which they were more than happy to do since they were being paid ridiculous sums of money to do whatever they were told to do. Claims of securitization were routinely denied (2004-2009). The banks said there were no trusts (oddly enough they were actually telling the truth about that). Of course that didn't work out because the claimant in a foreclosure must own the debt and there was no way for a servicer to claim ownership.
Read more

Banks Switching Tactics As "REMIC" Deficiencies Are Revealed
livinglies.wordpress.com | May 1, 2019
First the investment banks told the servicers to initiate foreclosure which they were more than happy to do since they were being paid ridiculous sums of money to do whatever they were told to do. Claims of securitization were routinely denied (2004-2009). The banks said there were no trusts (oddly enough they were actually telling the truth about that). Of course that didn't work out because the claimant in a foreclosure must own the debt and there was no way for a servicer to claim ownership.
Read more

How to read responses from the alleged "Servicer"
livinglies.wordpress.com | April 25, 2019
The human mind fills in voids wherever they occur. The mind fills it in with data that normally occurs between one data point and another. So when we read a response from "the servicer" our minds automatically fill in the gaps resulting in our perception that a valid document or response is what we are holding when in fact it is a tasteless equivalent of swiss cheese.
Read more

9th Circuit Inches Toward Decision of “America’s Wholesale Lender”
livinglies.wordpress.com | April 19, 2019
The issue is jurisdiction. Lawyers filed papers for AWL but AWL was dissolved as a corporation. The lawyers countered with the allegation, on appeal, that AWL was a fictitious name for Countrywide without specifying the location of CW. Hence no diversity of jurisdiction could be supported by the allegations in the notice for removal.
Read more

Maxine Waters and Elizabeth Warren Propose Plans to Stop “Crime Spree” of Banks
postnewsgroup.com | April 19, 2019
Last week, as Rep. Maxine Waters, D-Calif., convened a House Financial Services Committee hearing, featuring the CEOs of Wall Street’s biggest banks, the financial watchdog group Better Markets released a stunning report on the banks’ criminal records: Wall Street’s Six Biggest Bailed-Out Banks: Their RAP Sheets and Their Ongoing Crime Spree.
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Breaking News Archive (Jan 2011-Present)

 

CFLA Explains Quiet Title Package

CFLA performs tailor-made litigation support for every jurisdiction.
Click here to see all Samples Associated with the Quiet Title Package

In 2007, CFLA was founded by the Nation’s Leading Foreclosure Defense Attorneys to serve the Foreclosure Defense Industry and fight pervasive Bank Fraud and Institutional Fraud. CFLA united some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA—the foremost, nationally recognized legal brand for law firms, attorneys, and small business across the United States. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. As the company continues to grow, we continue to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea—it's our founding principle.

Call us today to obtain samples of work product, including Bloomberg Securitization Audits, Litigation Support, Quiet Title Packages, and to get more information about our Nationally Accredited and Industry Acclaimed Forensic Loan Analyst Training Certification Classes (3 days). The Nation’s Only Certification Training Class for Analyts in this industry!

 

CFLA Explains Securitization Analysis

 

Quiet Title & Bloomberg Property Securitization Analysis Testimonials

"To begin, I bought your securitization audit after I had lost in state court in a foreclosure - 10/27/14. Thinking there was no hope I found Certified Forensic and decided to try a securitization audit in order to have evidence of fraud in a filing with the Federal Court in New Jersey. I ended up in discovery in Federal Court. As you may remember part of discovery was a deposition taken by Chase of Michael Carrigan.

I filed before Final Judgment in Federal Court on 04/10/15 with a securitization audit from Certified as evidence of fraud.To my surprise after a ruling for Chase in a summary judgement on 10/27/2014 - and going on four years later - on February 1, 2018.

Chase unilaterally dismissed my state foreclosure case without any notice or discussions. I used most of the legal package from Certified. I did have people with some experience I could discuss the case with, and I had an expert witness which is also very helpful. William Paatalo is one of my expert witnesses. Bill knows the game well and he has testified around the country against the banks.

It could only have happened because of the discovery in Federal Court which provided me with more evidence of fraud. This evidence could only have been gotten from discovery. And therefore the securitization audit was critical to my success in getting into discovery in Federal Court.

Although I must caution there were others with the securitization audits that were not so successful so a securitization audit does not guarantee anything but in my opinion it puts you in the race. You need good legal advice and lots of reading and research with a lot of luck. I do think the odds are improving today as people are educating themselves.

There are success stories. It's a long road home but the odds are getting better in my opinion. This may qualify me as a qualified success story for your firm since the state court dismissal could only have happened if I had not filed in Federal Court which brought me to discovery. Discovery gave me the evidence of fraud that I turned around and used in a Motion to Dismiss for Certification fraud in state court. The battle rages on. And there are more defeats than wins but there is hope. Many people have no idea that even after all these years there are options open to them. Chase tried to claim statue of limitation but there is no statue of limitation if you find fraud."
James Farah


"This is a testimonial to Jim and the CFLA team. CFLA and the audit once again proved to be worth far more than it's weight in gold. I was able to negotiate a (an impossible) short sale with SPS and settle with three subordinate lenders (only one of which was TARP). The deal recently closed and I remain undefeated. Much appreciation and thanks to to Jim Salvagio, Melanie Paree and the CFLA team. Further thanks for awesome support, customer service and always going above and beyond the call of duty!"
Jeff Burch


"My wife and I would like to thank you for the wonderful work you've done submitting the loan modification to ocwen on our behalf, we have been wrestling with them for so long and we were getting nowhere and in fear of losing our home. After you suggested I called them to find out what the status of our loan modification was, they told us over the phone that we were eligible for a Sam (Shared Appreciation Modification) they reduced our principle from $736,579.75 to $513,950.00 our interest rate went from 4.25% to 2.00% our monthly mortgage payment went from $3467.83 interest only to $2354.82 principle interest taxes and insurance included, our interest only loan was changed to a 22-year conventional fixed rate loan at 2.00%.

This is good news, we could not be more grateful for the work you put into the modification. In addition; the difference between the original principle including penalties and interest and the new principal balance of $513,950 was $476,732.99 which they agreed to waive off 1/3 of that amount each year for three years as long as I remain current on my payments, at the end of that time the debt would not exist. They also told me that notification had gone out to their attorneys to stop the foreclosure proceedings, which was pending a sale date as you know.

My wife and l are still in shock we wanted to see everything in writing and they told me over the phone tracking indicated that the package had been delivered to my address and it was already in the mailbox. I'm sending you copies of everything for you to look over. This was a great deal you got us, Steven, there's more I can't put in writing. Well done. This is a big step for us to be able to stay in our home."
Anthony and Karen Boone


"I just wanted to thank you for the great job on the affidavit that you wrote with our Bloomberg Audit. We had a sale date today 10-22-13 and yesterday our attorney presented a complaint with the affidavit referenced to the judge to do an injunction and he read it for only a few minutes and stopped the sale. We are proceeding to a hearing at a future date. We are in Wyoming and I don't believe they have ever seen anything like this against the banks. We have friends who now want a securitization audit and I am going to talk them into a Bloomberg audit. Thank you again."
Susan Cacho


"Hello, you did a securitization audit for me in 2014. Guess what? Chase agreed to settle for 11k, which was only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again."
David Schaar


"Thank you for the support over the years. We just beat the bank in court to save house and prevent eviction. Their case was denied."
Jeff Castillo


"Super Certified Forensic Loan Auditor Super Heroes: Check out the Mortgage Loan Agreement Lien Release which we received this morning from the Bristol County Registry of Deeds, Taunton, MA, all because of your great cutting edge technology forensic work. Check out these documents including the Taunton Deeds PDF "

A very Appreciative & LOYAL CUSTOMER.
Ron Adams


"To simply assert mortgage fraud is one thing. But to provide the evidence that will stand up in court is another. CFLA has done an excellent job providing home owners and legal professionals the necessary & essential tools to prove a case on behalf of home owners. I have observed the growth and development of CFLA over the last several years. I am grateful for the dedication and commitment to excellence demonstrated by Andrew Lehman, the founder and chairman of CFLA and his network of legal professionals. Whether you are challenged with debt or wanting to help those who are, CFLA provides the clear and simple learning that empowers you with a new perspective & alternative remedies."
Greg Johnson

 

60 Minutes Report: Mortgage Securitization Audit Stops Foreclosure

 

Products and Services

"Chase agreed to settle for only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again."
David Schaar

CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.

CFLA.com and Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii. Bankruptcy Practice, Foreclosure Defense Strategies, Principal Reductions through Strategic Litigation, Mortgage Securitization in Litigation, and the Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Patricia Rodriguez, Esq; John Fretz, Esq; Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Charles Christmas, Esq; Timothy O’Reilly, Esq.; Amar Gupta, Esq.; and others.

Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,000 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL.

Foreclosure Defense or Contract Dispute Litigation attorneys—contact us today to advertise your law firm via Sponsored Link Ads on our site.

Our Foreclosure Defense Litigation services include Mortgage Securitization Audits, Forensic Loan Audits, and Litigation Packages are among the full turn-key litigation support services provided to law firms and legal professionals.

 

Glaski Securitization Audits Can Prove Wrongful Foreclosure in California
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Letters From The Editor

Navient lawsuit: what student loan borrowers need to know 
huffingtonpost.com | February 12, 2017
The U.S. Consumer Financial Protection Bureau is suing Navient Corp., the nation’s largest student loan servicer, accusing it of “systematically and illegally failing borrowers at every stage of repayment,” according to a press release from January 18. The CFPB is asking Navient to compensate the borrowers the agency says were harmed.
Read more

David Collins v. Paul Financial, LLC, et al
February 12, 2017
Please find notice of a hearing to be held in the Los Angeles County Superior Court at Burbank on February 24th at 10:30 AM. I urge you all to attend and to bring family, friends, foreclosure victims, advocates and anyone you can think of to pack the courtroom. 
Read more

MARCIA SWIFT beats ANDY BEAL - We won our motion in Federal Court against Beal 
January 29, 2017 
BIG WIN for homeowner against the almighty BILLIONAIRE ANDY BEAL. This case labels ANDY BEAL's SECOND SUIT in federal court against the homeowner (while state ct case is still pending) was VEXATIOUS AND CONTRIVED. 
Read more

The Return of Non-Prime U.S. RMBS (What Investors Need to Know) 
fitchratings.com | January 25, 2017 
A new non-prime mortgage market is beginning to emerge in the U.S., almost 10 years after the subprime and Alt-A mortgage markets shut down amid dramatic underperformance. Fitch Ratings expects a notable increase in newly originated non-prime RMBS activity in 2017, though on a significantly smaller scale and with a higher credit quality than pre-crisis origination volume.
Read more

Databank of CHF (JPMC) Robo-signers in California
December 7, 2016
ATTENTION CALIFORNIA HOMEOWNERS!!!!!!!! Are you a current, or were you California homeowner (between 2004 and present)? Was CHASE “HOME FINANCE, LLC” (“CHF”) now known as “JP MORGAN CHASE, N.A. (“JPMC”)” your lender, or loan servicer, or trust’s trustee? Did you receive any assignment(s) and/or substitution(s) of trustee from any source while CHF was the lender, or servicer, or the trust’s trustee? 
Read more

CFPB increases foreclosure protections 
journal.firsttuesday.us | November 22, 2016
The Consumer Financial Protection Bureau (CFPB) has released new rules for mortgage servicers to follow when responding to mortgage delinquencies and pursuing foreclosure. Beginning October 19, 2017, mortgage servicers are to offer homeowners foreclosure protections more than once if the need for protection arises numerous times.
Read more

New tool searches judge stats | Artificial intelligence predicts case outcomes | Cybersecurity insurance a 'must have' 
October 26, 2016 
This Month's Featured Technology Stories - ABA Journal Tech Monthly
Read more

More legislation to help the BANKING CARTEL 
October 25, 2016 
For nonjudicial foreclosures which are resolved (e.g., reinstatement, foreclosure alternative, etc.) after the notice of default (NOD) is recorded, but before posting the notice of trustee’s sale (NOTS), the maximum base trustee’s fee has been increased.
Read more

Did you ever wonder why YOU VICTIMS got checks for $100 for restitution from the banking cartel settlements with CORRUPT DOJ? 
judicialwatch.org | October 25, 2016 
The Department of Justice (DOJ) keeps giving radical leftist groups that support President Obama huge amounts of cash collected from big banks to settle discrimination and mortgage abuse lawsuits filed by the government.
Read more

Latest Case on TILA RESCISSION NOTE: Disagreement Among Circuits Perhaps Ripe for USSC Review Remanded 
justia.com | October 20, 2016 
After plaintiff began missing loan payments on a house she bought in Long Beach, ReconTrust initiated a non-judicial foreclosure. In this case, the lender was Countrywide, the borrower was plaintiff and the trustee was ReconTrust. Plaintiff subsequently filed suit alleging that ReconTrust violated the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692e(2)(A), by sending her notices that misrepresented the amount of debt she owed. 
Read more

Consumer Financial Protection Bureau structure ruled unconstitutional 
usatoday.com | October 12, 2016 
A federal appeals court Tuesday declared the structure of the federal Consumer Financial Protection Bureau unconstitutional, a decision that marks a major setback for one of the signature safeguards created after the U.S. financial crisis.
Read more

Must Always Allege Damages and Specifically How You Were Harmed 
justia.com | October 7, 2016 
Here, borrower should have alleged "cloud on title" impairs his ability to market the home for sale.
Read more

Judge rejected in its entirety the government's argument to hide Fannie & Freddie docs (follow-up) 
October 7, 2016 
This document may help explain why no one has been convicted of a crime in the mortgage scandal. 
Read more

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Expert Witness Package
Mortgage Securitization Auditors, trained by CFLA, have been admitted as Expert Witnesses in nearly every jurisdiction nationwide and have a minimum of 10 years of industry related experience, 40 Hours of Classroom Training on Mortgage Securitization, and have been certified through our Nationally Recognized “Mortgage Securitization Analyst Training Certification Class.”
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Certified Forensic Loan Auditors, LLC
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CFLA IS NOT A LAW FIRM AND DOES NOT PROVIDE ANY LEGAL ADVICE. CFLA DOES NOT OFFER FORECLOSURE CONSULTING OR FORECLOSURE RELIEF
SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA
DOES NOT CHARGE OR OBTAIN REFERRALS FEES FOR THESE SERVICES. SERVICES NOT OFFERED TO RESIDENTS OF THE STATE OF NEVADA.

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