CFLA Offers New Online Mortgage Securitization Analyst Training Class - September 23-25, 2016 certifiedforensicloanauditors.com
Certified Forensic Loan Auditors Mortgage Securitization Anaylst Training Certification Class is a comprehensive 24-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. Learn More
Are We Heading for Another Housing Crisis? money.usnews.com | May 12, 2016
Ten years ago, a storm was brewing in the housing market. Lenders were handing out mortgages seemingly to anyone who applied, and in many cases, borrowers weren't asked for documentation to prove income. Some institutions rolled out adjustable-rate mortgages that featured teaser rates and were marketed to consumers as loans that could be easily refinanced before the interest rate was scheduled to reset and send payments into the stratosphere. Read more
California high court opens door to wrongful foreclosure suits latimes.com | March 6, 2016
During the bust that followed last decade's housing boom, hundreds of thousands of Californians lost their homes to foreclosure. It was a process later found to be rife with problems, such as overwhelmed bank employees who sometimes didn't even read the foreclosure documents in front of them. But challenging foreclosures on the basis of paperwork problems proved to be mostly futile, given California courts had ruled that borrowers who weren't paying their mortgages didn't suffer financial harm. Read more
The Banks Business Model is Foreclosing on Homeowners March 2, 2016
Securitization is the reason banks want homeowners to foreclose. When a bank assigns the risk of a loan to the investors (certificate holders) of a Real Estate Investment Conduit Trust (SPV), the “bank” is no longer a traditional bank that gets the benefit of mortgage payments. Mortgage banks give as few modifications as possible and comply minimally with statutes put in place to protect borrowers, all while employing tricks to “cash in” on homeowners’ defaults, pushing them to foreclosure. Read more
YVANOVA affirms GLASKI!!! February 17, 2016
The collapse in 2008 of the housing bubble and its accompanying system of home loan securitization led, among other consequences, to a great national wave of loan defaults and foreclosures. One key legal issue arising out of the collapse was whether and how defaulting homeowners could challenge the validity of the chain of assignments involved in securitization of their loans. We granted review in this case to decide one aspect of that question: whether the borrower on a home loan secured by a deed of trust may base an action for wrongful foreclosure on allegations a purported assignment of the note and deed of trust to the foreclosing party bore defects rendering the assignment void. Read more
Calif. Supreme Court Lets Borrowers Challenge Wrongful Foreclosures nationalmortgagenews.com | February 19, 2016
The California Supreme Court on Thursday ruled that borrowers may challenge a wrongful foreclosure on the grounds that the assignment of the deed of trust was invalid. The decision in Yvanova v. New Century Mortgage Corp. has the potential to radically increase the number of lawsuits brought by borrowers, particularly on loans that were pooled into securitized trusts, experts on both sides of the issue said. Read more
The Mortgage Industry Keeps Showing It Doesn’t Care About You thefiscaltimes.com | December 30, 2015
When the mortgage industry attributes some of its recent problems to TRID, they aren’t referring to some unheralded Star Wars character. They’re actually engaging in a uniquely unseemly lobbying tactic: using their own failings to bludgeon basic consumer protections. Read more
$5.4 Million! Jury Finds Wells Fargo Committed Fraud When It Used Robo-Signed Document i-uv.com | December 14, 2015
Congratulations to the experts and attorneys on this. As Marie McDonnell states in the article reproduced below this case is important because it is the first time that Robo-signing has resulted in an award of damages for fraud. I would add that the lawyers must have done a fine job at trial — because ordinarily we don’t see jury instructions that would support punitive damages for robo-signing. The pages are turning on a new chapter. Read more
Why the Mortgages Cannot Legally Be Enforced livinglies.wordpress.com | August 30, 2016
From the point of view of Article 9 there can be no foreclosure of a mortgage without the party claiming rights under the mortgage showing that they purchased the mortgage for value. Read more
Michigan sets parole for 'Linda Green' robo-signer livinglies.wordpress.com | August 29, 2016
The only person jailed in connection with a foreclosure forgery scandal that swept through Michigan and the rest of the country after the collapse of the housing bubble spends her days confined to the Women’s Huron Valley Correctional Facility in Pittsfield Township. But not for long. Read more
Pre-crisis mortgage bonds still haunting investors reuters.com | August 26, 2016
NEW YORK, Aug 25 (IFR) - A New York City property that investors were told would be the home of another iconic Apple store has instead wound up stuck in a mortgage bond facing hundreds of millions in unpaid debt. Apple never built a store on the 34th Street site and, like much of the bond's remaining US$1.7bn collateral, not one penny of the principal on its US$100m mortgage has been repaid. Read more
CFPB: Prohibition of Unfair, Deceptive, or Abusive Acts or Practices in the Collection of Consumer Debts livinglies.wordpress.com | August 26, 2016
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd Frank Act), all covered entities are legally required to refrain from committing unfair, deceptive, or abusive acts or practices (collectively, UDAAPs) in violation of the Act. Certain acts or practices related to the collection of consumer debt that could, depending on the facts and circumstances, constitute UDAAPs prohibited by the Dodd-Frank Act. Whether conduct like that described in this bulletin constitutes a UDAAP may depend on additional facts and analysis. Read more
Welcome To Hell(ocs)! Home Equity Loans Come Back to Haunt Borrowers, Banks anthonybsanders.wordpress.com | August 24, 2016
A home equity lines of credit (or HELOC) is a loan, using your home as collateral, that lets you borrow up to a certain amount, rather than a set dollar amount. A HELOC acts like a credit card: It has a credit limit, and you can borrow against it, pay all or part of the balance, and borrow again up to the credit limit. The interest rate varies with the prime rate. Read more
Ford achieves record pricing with auto ABS return globalcapital.com | August 24, 2016
Ford Auto Finance (China) broke the pricing record for China auto ABS by quite a wide margin with its second transaction of the year – the Rmb3bn ($450m) Fuyuan 2016-2 Retail Auto Mortgage Loan Securitization. Read more
New York Judge Orders Release of Hidden Documents livinglies.wordpress.com | August 24, 2016
This is just the beginning of what I have been predicting for 10 years. When the public finds out that the government itself is addicted to the false scheme of securitization --- and that this has led to abandonment of policies and rules of law that have continued to depress the U.S. economy --- the "movements" of Sanders and Trump will look like garden parties. Read more
JPMorgan Ends WaMu Disputes with FDIC and Deutsche Bank finance.yahoo.com | August 22, 2016
As we can see the total fix was in from the beginning. Further, the agreement allows JPMorgan to avoid nearly $6 billion in legal liabilities related to Deutsche Bank case. Deutsche Bank was the trustee to 99 trusts holding residential mortgage backed securities underlying WaMu home loans. Now, the FDIC will allow Deutsche Bank to have a claim against the estate. Read more
Bank of America HAMP Denial? Rackeetering Claims Revived livinglies.wordpress.com | August 20, 2016
(CN) — Homeowners can sue Bank of America for claims it feigned compliance with a mortgage assistance plan that was a condition of the bank's $45 billion bailout in 2008, the 10th Circuit ruled Monday. Bank of America hired Urban Settlement Services dba Urban Lending Solutions to administer its Home Affordable Modification Program, or HAMP. Read more
Dallas firm put black homeowners at higher risk of foreclosure, suit alleges dallasnews.com | August 19, 2016
Dallas equity firm Lone Star Funds is being sued by a group of black homeowners in New York who allege the company pushed them toward foreclosure by misleading them about their mortgages. A 53-year-old plaintiff told a federal court that the company's mortgage servicer would call him almost every day — sometimes two or three times a day — threatening foreclosure and pressuring him to accept an unfavorable change to his loan. Read more
About Those PSA Signatures livinglies.wordpress.com | August 16, 2016
What is apparent is that the trusts never came into legal existence both because they were never funded and because they were in many cases never signed. Failure to execute and failure to fund the trust reduces the "trust" to a pile of ashes. Read more
PwC sued for $5.5bn over mortgage underwriter TBW’s collapse ft.com | August 16, 2016
PwC is being sued for a record $5.5bn for failing to detect fraud that led to a bank collapse during the global financial crisis, in a case that could bring more auditing firms into the line of fire. Since the financial crisis, banks have paid out hundreds of billions of dollars in settlements while other services companies, such as credit rating agencies, have had to dig deep for payouts. But there have only been a handful of significant cases involving audit firms, which have argued they cannot be held liable for missing signs of fraud. Read more
Court of Appeals rules that Nevada HOA liens do not supersede first mortgages housingwire.com | August 16, 2016
Mortgage lenders and investors needn’t worry about whether a homeowners’ association super lien will be given priority over a first mortgage in the state of Nevada, at least for now. According to an alert published Monday by Ballard Spahr, the Ninth Circuit Court Appeals ruled last week that an older version of Nevada’s laws, which previously gave super-priority status to HOA liens, is unconstitutional. Read more
The Bloom is off the Berg: You May be Broke and not Know it livinglies.wordpress.com | August 14, 2016
Bloomberg is claiming that the U.S. economy is “growing”, inflation is “low”, and there are “lots of jobs”. Bloomberg wants you to drink the Kool-Aid and ignore that assets are more over-valued than any time in history. Stocks, bonds and real estate exist in an inflated, unsustainable bubble. Bloomberg also says Americans are broke. When they add up their debts and liabilities. Read more
Held Hostage by a Home: The Right to know WHO owns your Note livinglies.wordpress.com | August 14, 2016
For 13 long arduous years I have fought off a loan servicer who has no standing. I have filed bankruptcy 3 times to stop the sale of my home. I have spent every dime of my retirement and every expendable dollar fighting a servicer to get an answer to one very simple question: Who OWNS my NOTE? Read more
DOJ Takes Aim at Individuals: A quest to uncover violations of criminal law that purportedly occurred during the 2007-2008 financial crisis metrocorpcounsel.com | August 14, 2016
Notwithstanding the recent series of record-breaking settlements between the Department of Justice (DOJ) and many of the world’s largest financial institutions, the DOJ has now set its sights on investigating individuals – pursuant to a civil statute – in a quest to uncover violations of criminal law that purportedly occurred at or around the time of the 2007–2008 financial crisis. Specifically, the DOJ is relying on the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), a broadly drafted law enacted as a result of the savings and loans crisis in the 1980s, in order to pursue fraud charges related to the mortgage-backed securities industry that it previously concluded were not viable as a criminal prosecution. Read more
May 25, 2016 - OCC terminates Wells Fargo's mortgage servicing restrictions Fined $70 million civil money penalty August 11, 2016
The Comptroller of the Currency of the United States of America (“Comptroller”), through his national bank examiners and other staff of the Office of the Comptroller of the Currency (“OCC”), conducted an examination of Wells Fargo Bank, N.A., Sioux Falls, South Dakota (“Bank”). The OCC identified deficiencies in the Bank’s practices that resulted in violations of Consent Order, AA-EC-11-19, dated April 13, 2011 (“2011 Consent Order”), between the Comptroller and the Bank and has informed the Bank of the findings resulting from the examination. Read more
Forbes: Fannie, Freddie Could Need as Much as $126 Billion in Crisis livinglies.wordpress.com | August 9, 2016
Fannie and Freddie have reportedly been cash-cows for the federal government who have allegedly held the quasi-governmental guarantors hostage during eight-years of government receivership. Fannie and Freddie have returned to the Treasury over $60 billion more than they received in the bailout. But the amount they owe to the government remains outstanding. It is likely that the tax payer is being prepped to dole out another bail-out for the profitable GSE’s that insure trusts that are empty or no longer exist. Read more
Beware of Thieves and Con Artists livinglies.wordpress.com | August 8, 2016
I know that the first line of thieves and con artists are viewed by many as the banks and the "servicers" and the "trustees." But the second wave are those who prey on the emotional turmoil of homeowners and get them to deed their homes into some sort of convoluted entity that will (1) shred the homeowners credibility in court and (2) essentially allow the new thief to get into your living room before the old thief has a chance to do so. In all events none of these schemes will ever do anything substantive to save a home, although some of the schemes may delay the judgment and sale for a short period of time. Read more
FDCPA and FCCPA: Temperatures rising livinglies.wordpress.com | August 24, 2016
FDCPA and FCCPA (or similar state legislation) claims are getting traction across the country. Bank of America violated the federal Fair Debt Collection Practices Act ("FDCPA") and the related Florida Consumer Collection Practices Act ("FCCPA"). (Doc. 26). The Goodin case is a fair representation of the experience of hundreds of thousands of homeowners who have tried to reconcile the numbers given to them by Bank of America and others. Read more
California Code of Civil Procedure section 128.5 July 26, 2016
Prior to 1995, courts had the ability to impose monetary sanctions on litigants and their counsel for almost any kind of transgression, and some judges developed reputations for doing so very liberally! The relative calm that reigned after a significant change in the law in 1995 may be over. Effective January 1, 2015, California Code of Civil Procedure section 128.5 — a statute that authorizes the imposition of monetary sanctions for bad faith litigation tactics that are frivolous or solely intended to cause delay — is back. Dormant for several years but never repealed, the Legislature resuscitated it in 2014, and it again becomes part of every California litigator’s arsenal. This article briefly explains this development. Read more
U.S. Bank v Naife July 22, 2016
TILA rescission remand affidavit that disclosures were inadequate; trial court to decide if adequate; if not, court imposes terms of recisssion remedy. Read more
Saterbak Petition for Review Denied Sc Notification for: S234109 appellatecases.courtinfo.ca.gov | July 14, 2016
Laura Saterbak appeals a judgment dismissing her first amended complaint (FAC) after the sustaining of a demurrer without leave to amend. Saterbak claims the assignment of the deed of trust (DOT) to her home by Mortgage Electronic Registration Systems, Inc. (MERS) to Structured Asset Mortgage Investment II Trust 2007-AR7 Mortgage Pass-Through Certificates 2007-AR7 (2007-AR7 trust or Defendant) was invalid. Arguing the assignment occurred after the closing date for the 2007-AR7 trust, and that the signature on the instrument was forged or robo-signed, she seeks to cancel the assignment and obtain declaratory relief. We conclude Saterbak lacks standing and affirm the judgment. Read more
Deutsche Bank's Chief Economist Calls For €150 Billion Bailout Of European Banks zerohedge.com | July 12, 2016
The cards have been tipped, and it appears Italy's Prime Minister may have been right. In the aftermath of Brexit, much of the investing public's attention has turned to Italian banks which are in desperate need of a bailout as a result of €360 billion in bad loans growing worse by the day (and not a bail-in, as European regulations mandate, as that would lead to an immediate bank run) to avoid a freeze and/or collapse of Italy's banking sector. This has pushed stock prices - and default risk - on Italian banks to record levels. Read more
The Epic Collapse of Deutsche Bank visualcapitalist.com | July 11, 2016
It’s been almost 10 years in the making, but the fate of one of Europe’s most important financial institutions appears to be sealed. After a hard-hitting sequence of scandals, poor decisions, and unfortunate events, Frankfurt-based Deutsche Bank shares are now down -48% on the year to $12.60, which is a record-setting low. Read more
Deutsche Bank v. Pinette justia.com | July 1, 2016
Plaintiff-lender Deutsche Bank National Trust Company (as trustee) appealed a superior court decision to grant defendant-borrower Kevin Pinette's motion to dismiss. The lender tried to foreclose on property of Pinette, but the superior court dismissed its claims on foreclosure, the unpaid balance on a promissory note, and a deficiency judgment on the ground that they were barred by claim preclusion, as lender had previously instituted an identical action against borrower in 2013, which had been dismissed for failure to prosecute. Read more
Cattle Nat’l Bank & Trust Co. v. Watson justia.com | July 1, 2016
A Bank filed an action against four Guarantors on their personal guaranties of an LLC’s debts. That action resulted in three appeals by the Guarantors. The first appeal was generated after the district court granted the Bank’s motions for summary judgment but failed to adjudicate a cross-claim. The second appeal was taken from execution and garnishment proceedings that occurred while the first appeal was pending. Read more
OneWest Bank, N.A. v. Melina justia.com | July 1, 2016
OneWest commenced a foreclosure action against defendant. The district court denied defendant's cross-motion to dismiss and granted OneWest's motion for summary judgment. The district court held in part that a national bank such as OneWest is a citizen only of the state in which its main office is located - not also of the state of its principal place of business - and that OneWest’s main office is indisputably in California. Read more
In re Payment Card Interchange Fee and Merchant Discount Antitrust justia.com | July 1, 2016
In an antitrust class action brought on behalf of approximately 12 million merchants against Visa and Mastercard, as well as other various banks, plaintiffs alleged conspiracy in violation of Section 1 of the Sherman Act, 15 U.S.C. 1. After the parties agreed to a settlement releasing all claims, the district court certified two settlement-only classes and approved the settlement. Read more
Wright v. Bank of America, N.A. June 30, 2016
In a case brought by the Federal Trade Commission (“FTC”), the U.S. District Court in Los Angeles has placed the law firms of Advantis Law and Brookstone Law under the control of a receiver. Details about the case, and access to the pleadings and orders, can be seen at the Receiver’s website, www.regulatoryresolutions.com. Click the Cases tab at the top of the website page and then the link for Federal Trade Commission v. Kutzner. Read more
Supreme Court lets debt collection class-action suit proceed finance.yahoo.com | June 28, 2016
WASHINGTON (Reuters) - The U.S. Supreme Court on Monday allowed a class-action lawsuit against debt collector Encore Capital Group Inc to move forward, declining to hear its claim that such companies should be protected from state "usury" laws barring money-lending at unreasonably high interest rates. Read more
Ocwen (OCN) to Pay $30M to Settle HAMP Disclosure Issues finance.yahoo.com | June 28, 2016
Last week, Ocwen Financial Corp. OCN agreed to settle a couple of lawsuits that alleged it of providing misleading data related to the loans it was servicing. The company revealed this agreement in a filing with Securities and Exchange Commission (SEC). The lawsuits were filed by Michael Fisher and the U.S. Justice Department (DoJ) in 2012. Ocwen will be paying $15 million to both Fischer and the DoJ, though the settlement is yet to receive legal approval. Notably, the company neither accepted nor denied any wrong doing. Read more
MERS Manual 2010 June 23, 2016
Although MERS tracks changes in ownership of the beneficial rights for loans registered on the MERS® System, MERS cannot transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the promissory note to the transferee. As a MERS Member you have two options for registering a transfer of beneficial rights to another Member: Option 1 and Option 2. The determination of whether Option 1 or Option 2 is used is based on the Membership Profile of the purchasing investor. Read more
Yvanova STRIKES Thrice stopforeclosurefraud.com | May 21, 2016
Well ACTUALLY it was SEVEN...KESHTGAR v. U.S. BANK, MENDOZA v. JPMORGAN CHASE BANK, CASTRO v. INDYMAC INDX MORTGAGE LOAN TRUST 2005-AR21 | VACATED... "...with directions to vacate its decision and to reconsider the cause in light of Yvanova v. New Century Mortgage Corp...." Read more
"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."
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 CFLA Training Academy are professional auditing firms as well as the Nation's Leading Experts in Mortgage Securitization and Training. Certified Forensic Loan Auditors is a nationally recognized leader in the Foreclosure Defense Industry.
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.
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.
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!
What is a Securitization Audit?
NEW CASE: Glaski Securitization Audits Can Prove Wrongful Foreclosure in California Read more.
Mortgage Securitization Analyst Training Certified Forensic Loan Auditors, LLC. has created a complete training certification program entitled: Mortgage Securitization Analyst "MSA"- A 20-hour in-person intensive seminar held across the country. Read More
"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."
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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.” Read more
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