Certified Forensic Loan Auditors, LLC


  Upcoming Classes

IMPORTANT! This Video is No Longer Available Via Hard Copy DVD and is Now Available Via Online Download Only


Bankruptcy Practice

Las Vegas, NV

MCLE 6 hrs Nevada, California*
Course No. 5734A1-VR1

Presenters: Charles W. Christmas, Jr., Esq.
Arun Gupta, Esq. and Charles Powell, Esq.

Mortgage Securitization in Bankruptcy Litigation DVD

ONLY $99.00


Seminar Testimonials

"If you are interested in knowing what is happening to your mortgage or in helping others, this is a course that will insure you know what you are talking about before and after viewing documents."
William K.

"I loved the knowledge I acquired and recommend the course to everyone. The more "we the people" get knowledge the better our odds of beating the banks at their game!"
Dawn D.

Outstanding! Excellent! Demanding! Well organized! Intense! Phenomenal!
Priscilla B.

"Thank you! Andrew, Michael, & Marie. This CFLA Training has been a valuable experience."
Erica W.

"This was a great class and eye opening, especially if your in the foreclosure defense, to defend your clients rights best way possible. Looking forward to take next level course."
Kelvin L.

"If your looking for securitization training you won't find any better."
Michael S.

"It is a life-changing experience—both in knowledge and spirit."
Guido G.

"If you open your mind and listen, they will lead you to the promised land. Very educational and will enhance my business forever."
Corey D.

"Buckle your seats belts, you’re in for a real treat! Your in for the greatest information of the Information Age!!"
Kymosh M.

"If you have but one thing you do to further your education, make it this course. This is something that can be utilized in almost every real estate situation that exist today. What you can do with the information you learn will change lives."
Carlos P.

"This was an outstanding training. If you want to learn Securitization and become and auditor, this is the class for you!"
Craig B.

"This class will change the direction of your life as a professional. It offers a gateway into the world of securitization and inherently valuable navigation tools to uncover the lack of integrity being performed in secondary investor trusts. This class is for anyone, but highly benefits professionals of foreclosure proceedings. Thank you CFLA! Thank "
Michal V.

"My expectations were exceeded. I have been a Real Estate professional since 1993 and have simply followed guidelines established. This course has opened my eyes to all the reasons of 'why'."  
Michael B.

"CFLA is one of the only business entities offering a one-stop shop where an attorney can get education, pleadings, research and practice support in the field of foreclosure defense. The attorney networking opportunities provided by CFLA are very valuable."
Charles C.

"The class was extremely informative. The instructors were exceptional. I will use this information in all my reports, which in turn will help my clients."  Rhonda A.

"Everyone in life has a mission and a purpose. It’s a matter of actually finding out what your purpose is. This class was the missing piece of the puzzle for me. I can now do what so many have attempted and failed. Help every and anyone who has the motivation to help themselves to be not only successful in my own mission, but also be able to help others accomplish theirs."
Cecelia M.

"This course was the missing link in putting together all the knowledge I’ve already been accumulating, but was not able to assimilate into a prosecutable document for submission which an attorney can use in litigation. Thanks!" 
Warren G.

"Although I have prior experience of 20 years of Mortgage Banking and Real Estate, this class has given me a comprehensive edge over the average attorney and ultimate foreclosure defense! Thank you for taking me to the top."
Kartika K.

"I came in to this class wanting to do professional, competent, and comprehensive forensic loan audits and that is exactly what this class has done for me! As a mortgage professional looking to sustain myself in this career field, I have found that this class has opened up a wealth of opportunities for me and was easily worth the time and money."
Mark M.

Designed For...

This course is designed for seven groups of people. All will benefit in many ways. The seven groups are as follows:

  1. Attorneys who are practicing Bankruptcy and also want to litigate mortgage issues in the bankruptcy forum for homeowners

  2. Bankruptcy attorneys who are interested in partnering with litigating attorneys to assist in challenging mortgages on behalf of homeowners

  3. Litigating attorneys who are interested in partnering with bankruptcy attorneys to assist in challenging mortgages on behalf of homeowners

  4. Homeowners who are interested in becoming educated on more of the issues and strategies involved in successfully challenging mortgages

  5. Friends of Homeowners and members of the general public who desire to have a better understanding of the mortgage meltdown that has occurred in our country and how it can be effectively resolved to accomplish justice within our legal system

  6. Paralegals, secretaries, and legal assistants who work for any of the above listed attorneys or are otherwise independent

  7. Anyone who is performing audits for any of the above listed attorneys


Course Outline
  • Introduction to the Seminar and the Current State of the Mortgage Crisis
  • Background on How the Mortgage Crisis Occurred to Understand the Solutions
  • Difficulties with Past and Current Approaches to Civil Mortgage Litigation
  • Why Bankruptcy is the Legal Forum of Choice for Mortgage Litigation
  • Practical Requirements for Bankruptcy Mortgage Litigation
  • Surviving and Defeating the Motion to Lift Stay of Foreclosure Sale
  • Finding the Evidence to Win in Bankruptcy
  • Preparing for the Adversarial Hearing in Bankruptcy
  • The Adversarial Hearing in Bankruptcy
  • Quiet Title and the Importance of  Res Judicata post Bankruptcy


Course Schedule

Instruction times will be strictly enforced for CLE compliance.

8:30 - 9:00 am – Coffee, Mixer, Registration and Welcome

This is an important time to renew old acquaintances, make new acquaintances, and examine various educational materials that will be available.  The contacts that you make during this time will be valuable to you for the purpose of referrals and questions to other colleagues in the future.

Remember, in the field of Foreclosure Defense and Mortgage Litigation, the usual rules of competition and market share do not apply.  In this field of law practice the prevailing rules are cooperation and collaboration because of the huge need that continues to be driven by the large number of homeowners who are in need of legal assistance to solve their particular mortgage situation.


9:00 - 10:30 am – Introduction and Current Overview of Mortgages 2001-2012.  Review of Securitization and Mortgage Operations (90 minutes credit.)  

Here we will examine some of the more recent cases, articles, court rulings, and legislation that have affected and continue to affect this field of law practice. 
What are the recent developments in various states such as Illinois, New York, Florida, California, and  other  states.  Come prepared to give input on some of the latest court and legislative happenings in your state.

What about Nevada Assembly Bill 284?  What is the current state of Mortgage Mediation in Nevada?                        

One cannot adequately appreciate and apply the effective solution involved in debt relief from mortgages unless one understands how the problems were created in the first place.  We will examine the securitization process in detail.  How it was designed to work originally, and how that design was in fact abused, and why, and by whom it was abused.


10:30 - 10:45 am – Break for 15 minutes


10:45 - 12:15 pm – Difficulties with Civil Litigation and Finding the Legal Forum of Choice for Mortgage Litigation.  Meeting  the Practical Requirements for Debt Relief.  (90 minutes credit)

We will look at the types of cases that have been filed in the civil courts, both State and Federal.  We will talk about the results of those cases and the Judiciary and their approach to these cases.  Most importantly we will address why they have taken the approach they have.  To be truly successful in court litigation the successful attorney needs to understand where the judiciary is coming from in their approach and why.

We will address the Federal Bankruptcy Courts and why they are considered by many to be the legal forum of choice for both foreclosure defense and mortgage litigation for those many clients who are not facing a loss of their home, but are significantly upside down in value in relation to the amount of debt on their property.  The prospects are that most of that value will not return anytime in the near or even distant future.  Consequently, steps have to be taken now to address this situation.  In December of 2012 the exemption for 1099 income tax from mortgage forgiveness will disappear.  It is important that homeowners begin to take action now before it is too late.

It is important to fully understand how bankruptcy works, and what are the requirements for the client to take advantage of the protection and relief that is available in the Federal Bankruptcy system.

We will discuss an overview of bankruptcy in terms of which debts can be discharged and which debts cannot be discharged.  We will help you determine if Bankruptcy is the right solution for your client.

We will discuss the Automatic Stay.  We will speak about whether your client is eligible for Bankruptcy, and the requirements for Chapter 7 and the requirements for Chapter 13.  How and when does Chapter 11 fit into the picture?  We will look at the effect of prior bankruptcies, debt limits, income taxes, child support, and alimony payments.

We will discuss formulating your client’s Payment Plan, and the necessity for a Financial Management Course.

What is the Means Test, and how does your client pass this test?   We will review the Bankruptcy Forms, how they are filed and the meeting with the Creditors.

We will reveal the strategies to win in the Bankruptcy forum.


12:15 - 1:45 pm – Lunch Break

Please use the lunch period as a time of valuable continued networking among your colleagues for future business opportunities and support.

Again, also use this time to examine the additional education materials provided by CFLA.


1:45 - 3:15 pm – Surviving Motion to Dismiss or Lift Stay, and  Finding the Evidence to Win (90 minutes credit)

You can be assured that the Creditor of your client will make a Motion to lift the Automatic Stay in order for them to continue efforts to sell your client’s property.  How do you defeat the motion of your opponent?

What evidence do you need to prevail for your client against your opponent’s motion to lift stay?  Where do you find that evidence, and how do you best use that evidence to get the result you desire for your client?

How do the Securitization Audit and the Bloomberg Findings help you in your case?  What can you do if you are unable to find the mortgage note in a mortgage backed securities trust?  Are there other arguments to make?


3:15 - 3:30 pm – Break


3:30 - 5:00 pm – Preparing for Evidentiary Hearings and Adversarial Proceedings and Subsequent Quiet Title. Business Model for Foreclosure Defense & Mortgage Litigation (90 minutes credit)

What should be included in your motions for both the Evidentiary Hearing and the Adversarial Proceeding?  How are these two events different from each other, and what purpose do they accomplish.  What should you have as your goal to defeat the claims of the purported creditor?

How Bankruptcy findings support res judicata in civil actions
Refer to CFLA’s  book and DVD on Quiet Title.
Open discussion on business models for foreclosure defense and mortgage litigation in Bankruptcy.  Bring your best ideas to share.


5:00 - 5:30 pm – Paperwork and Closing Comments  (30 minutes, no credit)

Total Time for Credit:  360 minutes.  5 hours currently approved and application for 6 hours credit has been submitted.

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