US Loan Auditors review: Company reviews 884

http://www.nationwideloanauditing.com/contact-us.html

check out the date they filed:

http://www.dleg.state.mi.us/bcs_corp/dt_corp.asp?id_nbr=03523U&name_entity=NATIONWIDE%20LOAN%20AUDITING%20INC.

not sure if usla owners are part of this company or not. it shows a last name of lucia.
someone check it out and let this board know and let the a.g. know if they are part of this new company.

so, is the USLA signs off of the building yet?

Michagan is where Jarrod LaMar was moving to so he could open a branch office for US Loan Auditors. Sounds like maybe he opened the Branch but in a differenct name and now put the Rancho Cordova branch under that name as well.

Does anyone know what's going on with USLA currently? I'm another one of their victims. My case was filed this past spring and is about to be thrown out of court. The last attorney I had thru USLA quit because of all the lawsuits against the company. I've been searching for an attorney on my own to pick up the case to continue with it. Attorneys are charging way too much money in fees. ( retainer fees and hourly) I found JJBrownlaw.com. Does anyone know anything about them? They seem pretty good, but I also thought that of USLA. I'm having issues trusting my abilities in making the right choises on this stuff anymore. Is anyone out there that is in the same spot with USLA? Palm Springs Victim

To Palm Springs Victim,

I am not sure pursuing a legal action is really in your best interest. What do you think the result will be in the end? I would do my research to see what is happening with cases such as yours in the courts currently. You might spend tons of money on an attorney with nothing to show for it.

My suggestion would be to short sale your home. Wait 2-3 years and purchase something at a lower value and with a payment you can afford. Spending thousands of dollars in legal fees for something thats not a quarantee at all seems crazy to me. Is there any closed cases to use as a indication of what will happen to your case?

I beleive people where victimized, don't get me wrong but look at the big picture. Who is going to be protected, you or the big banks. The banks are! They will get away with the foreclosure problem they are dealing with now and anything else that comes there way. Everyone knows they took advantage of so many people and they still got bailed out by the taxpayers money. WE ALL ARE PAYING FOR THEIR GREED!

Do your research on Short Sales, some banks are giving incentives to people who short sale. Wachovia, formly World Savings issues a $5, 000 check to the owner for a short sale. Contact your lender for there policy. Some banks even postpone trustee sales dates for short sales if there is an offer on the table.

Just something you should consider.

I called USLA the other day, and they still keep playing like everything is just fine and dandy. IF anyone knows of any court dates, plz post it here.

BBB sent a letter stating Laura Soutar said I choose not to go forth with a lawyer. I responded asking, "Then why I would I have two audits done and then choose to foreclose." I concluded saying Laura's statements are nothing more than fabricated and false. Perhaps that's why USLA ended with an F rating.

Palms Springs Victim,

Don't know what stage of loan or foreclosure your in.

Try filing a complaint at:

http://www.corp.ca.gov/

or get involved at #1 website

http://livinglies.wordpress.com

Don't know about finding a lawyer. I still haven't gotten one to call back.

Soutar is a known LIAR, her nose must be bigger then her horses at her wilton ranch. We should all call her and ask her why she lies so much. What a shame at her age to be nothing more then a liar. But I guess when everyone you work with is a Liar and the your company is a lie, it might rub off.

what will be fun is to see all these Liars at court under oath, which ones will crack? I'm thinking Soutar won't be able to keep it up. Does anyone know her history of employment? was she on the other side selling us the fraud loans like most of them?

Barker pulvino and sandison are professional cold blooded liars, if you had all the proof in the world, these liars would never stop.

Laura Soutar worked for Countrywide as a underwriter. Does that say it all or what? She probably approved YOUR LIAR LOAN! I know she has been with other organizations as well. Shouldn' t be that hard to find out, everyone in the business knows everyone.

I am sorry this is all still going on for you all. I don't know if my turn out will be better. I did find a law office willing to take my case. They are located in Utah and from what I can tell they are on the up and up. They did charge me a reasonable fee...without the monthly charges. The nice thing is there is no audit fee or middle man. I hired their law office. If I get results I will get back to you all and let you know. And like my Mom told me today...bankruptcy isn't forever. She said buy myself something nice on my credit card before the ship sinks, and then just wait it out. I never thought in my 40 years I would ever consider not paying my bills...but better people than I have survived and come back from bankruptcy. Good luck to you all :)

Along with Laura Soutar working for Countrywide, let's not forget JR Taitano was a account executive for Ameriquest.

The one who refers to the fraud years as a wild ride.

http://www.linkedin.com/in/loanauditor

If these liars were out to helps us they should have called the business US Loan Confessions.

Laura Soutar was the funding departments manager at countrywide for years.

Thanks for the info, what bout Braizer? The mouthy ghetto sounding liar?

Uh-oh! Who is Braizer? Another broker gone bad.

Leticia brazier works as the manager in customer service and her daughter works on the legal side and her husband Robert also works there.

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Bogus 'Forensic Loan Audits' Lead to Calif. AG's Suit Against Companies, Lawyers
Amanda Bronstad

The National Law Journal
October 08, 2010
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California Attorney General Jerry Brown has sued three lawyers accused of helping to file predatory lender lawsuits for homeowners struggling to make their mortgage payments.

Brown seeks to recover $60 million in civil penalties in the action he filed on Wednesday in Sacramento County, Calif., Superior Court against five individuals, including the three owners of two companies, U.S. Loan Auditors and My U.S. Legal Services Inc., and two outside attorneys. He also seeks to shut down the two companies.

The attorneys are Sharon Lapin of the Law Office of Sharon L. Lapin in Greenbrae, Calif., and Jonathan Stein of the Law Offices of Jonathan G. Stein in Elk Grove, Calif.

The third attorney, James Sandison, is also a real estate broker. On Tuesday, the State Bar of California filed disciplinary charges against him for allegedly stealing more than $35, 000 from various bank accounts that had been set up for one of his clients, Comcast Corp. He also is charged with using his name to help an attorney practice law who had been suspended from doing so in California.

Sandison, who served as general corporate counsel for My U.S. Legal Services, was admitted to practice in California in 1990 and had no prior public record of discipline. He did not return a call for comment.

According to Brown's complaint, since early 2009 the companies sold "forensic loan audits" -- computerized reviews purporting to show homeowners how their mortgage lenders had violated the law. The audits encouraged homeowners to pay thousands of dollars in up-front fees, instead of paying their mortgages, to bring lawsuits against those lenders. In one case, according to the complaint, a homeowner paid $56, 000 for a forensic audit and legal fees. When clients called about their cases, representatives from My U.S. Legal Services failed to respond.

"These defendants dangled the term 'forensic loan audit' as a sure-fire remedy for the mortgage problems of homeowners in distress, " Brown said in a prepared statement. "In fact, it was no remedy at all, and hundreds of desperate California homeowners took the bait and lost their money — and sometimes their homes."

My U.S. Legal Services, which is not a law firm but recruited outside lawyers to serve as attorneys of record, "has littered both state and federal courts with hundreds of lawsuits that have little or no chance of affording consumers any meaningful relief, " Brown said in his complaint.

Both Lapin and Stein, who served as attorneys of record, have been sanctioned in court for failing to appear for hearings on motions or orders to show cause, according to the complaint.

Lapin and Stein were paid $250 per month per case and signed contracts prohibiting them from interfering with My U.S. Legal Services and its clients, according to the complaint.

Lapin, who was admitted to practice in California in 1993, was suspended from the practice of law in 2006 for one year but received a stay and was placed on probation for two years for 15 counts of misconduct. In a stipulation, she admitted that she failed to do work for an elderly woman's family in an estate matter; did not respond to more than 40 voicemail messages from another client seeking incorporation; and failed to pursue a case against a veterinary clinic for a third client, according to the state bar. According to Brown's complaint, she received more than 130 referrals from U.S. Legal Services.

Stein was admitted to practice in California in 2003 and has no public record of discipline. He received at least 40 cases from U.S. Legal Services, according to Brown's complaint.

Lapin did not return an email seeking comment. Stein's lawyer, Betsy Kimball, name partner of Boyd & Kimball in Sacramento, said in a statement: "John Stein has been in private practice here in Sacramento for several years. He is not in any fashion an employee of any of the entity defendants and he is confident that when the true facts become known to the Attorney General's office he will be fully exonerated."

U.S. Legal Services used at least two unnamed former California attorneys who weren't eligible to practice law, one of whom was convicted of grand theft in connection with his representation of clients in 2008, according to the complaint.

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December 2nd is the next hearing, Would you like to meet up there?

Rancho Cordova lawyer charged with
swindling distressed homeowners
Sacramento-area lawyer James Sandison, already facing State Bar charges of misusing his client trust account and named in a $60 million loan modification fraud suit by the attorney general, has now been charged by the State Bar with “swindling distressed homeowners.”

Principal and founder of U.S. Loan Auditors and general corporate counsel for My U.S. Legal Services, Inc., Sandison, 55, provided forensic loan audits, guaranteed foreclosure prevention and then did nothing to help prevent the foreclosures, according to bar prosecutors. One of 11 homeowners named in the State Bar complaint paid Sandison $56, 000 over a nine-month period. Others paid him between $2, 000 and $24, 000 after he promised to stop foreclosure. Some clients lost their homes.

Sandison [bar number 148812], whose businesses are located in Rancho Cordova, is charged with 11 counts of moral turpitude, dishonesty and corruption. He also was charged Oct. 27 with making untrue or misleading representations, unfair competition, collecting advance fees, failure to provide proper disclosures, collecting advance fees from clients in foreclosure and failure to register his businesses as foreclosure consultants.

“The State Bar continues to aggressively prosecute those lawyers engaging in loan modification misconduct, ” said Chief Trial Counsel James Towery. “We have removed from practice 17 of these lawyers with more disciplinary proceedings pending. This small group has caused significant public harm.”

According to the State Bar charges, Sandison defrauded the homeowners by making promises to avoid foreclosure that he never kept. Those allegations are similar to charges filed against Sandison, his companies and four others by Attorney General Jerry Brown on Oct. 6. In that suit, Brown seeks $60 million in civil penalties, restitution for victims and permanent injunctions to keep the defendants from fraudulently marketing forensic loan audits and legal services that have no value. The State Bar assisted Brown’s office and the Department of Real Estate in the investigation.

The attorney general’s suit alleged that homeowners paid thousands of dollars for forensic loan audits, which the companies said could be used as the basis for suits against lenders. Forensic loan audits purportedly show instances in which lenders have violated rules ranging from consumer privacy requirements to calculating mortgage amounts. Many homeowners were persuaded to stop making their loan payments and instead file lawsuits. As a result, they lost thousands of dollars and, in some cases, their homes.

The suit said the lawyers used “a variety of deceptive advertising and marketing techniques to persuade homeowners they had been victims of ‘predatory lending.’” They claimed that suing the lenders would give the homeowners leverage in obtaining a loan modification, staving off foreclosure or collecting damages.

Many clients took the advice “and as a result placed themselves in even greater danger of losing their homes, ” the attorney general’s suit said. “Defendants then bilk their clients for months, collecting thousands of dollars in fees for ‘legal services, ’ when in reality [they] do little more than file and serve a boiler-plate complaint. In order to keep the monthly payments flowing, Defendants dodge their clients’ phone calls, refuse to provide their clients any accounting of how their money is being spent and/or string their clients along with false assurances that a settlement is in progress, or that litigation takes time.”

Sandison also was named by the State Bar in a separate case in October. He was charged with hiding $300, 000 in collections he received on behalf of his client, failing to put funds into a client trust account and stealing money from his partner and client.

Maybe we should all call Jim and ask the former cop and Lawyer behind the scheme if greed was worth it.

CELL [protected] Jim Sandison

Or maybe Mr Pulvino could explain it: [protected]

Or ROLAND SISON FRAUD INVESTIGATOR CELL [protected]

Or TISH BRAZIER (LETICIA) (MANAGER- LEGAL SERVICES) [protected] CELL [protected]

ABC Sunday Night news

please tell us more about the Sunday night news!

Interesting information regarding US Loan Auditors. This is a declaration from the payroll/accountant given for the case involving People of State of California -vs- US Loan Auditors and others involved with association to the 60 Million Dollar Lawsuit filed in October.

DECLARATION OF PAULA SONTRA
I, PAULA SONTRA, declare as follows:
I currently live in live in...
I am currently employed by US Capital Investments, Inc. as an accountant in charge
of the company's books. US Capital Investments is a Nevada-based company owned and
controlled by James Sandison, Shane Barker, and Jeff Pulvino. US Capital Investments wholly or
partially ovsois US Loan Auditors, Inc. (Ck/a US Loan Auditors, LLC) and My US Legal Services,
Inc. (filc/a My US Legal Services, LLC and US Legal Advisors, LLC.) I work out of the offices
occupied by My US Legal Services, Inc. and US Loan Auditors, Inc. in Rancho Cordova,
Califomia.
In my capacity as an accountant for US Capital Investments, I have knowledge of its
assets, liabilities, and operations, as well as the assets, liabilities, and operations of US Loan
Auditors and My US Legal Services.
Before they started US Loan Auditors with Jim Sandison, Shane Barker and Jeff
Pulvino founded and operated a forensic loan auditing company called American National Loan
Auditors or "ANLA." I know this because some of ANLA's client fiinds previously were
commingled on US Loan Auditors'books. ANLA's books and records are stored in the Rancho
Cordova office of US Loan Auditors, and ANLA's clients became clients of My US Legal
Services.
I became concemed about the ethics and business practices ofthe defendants in this
case several months ago. Around the end of March 2010, 1 approached Shane Barker in his office
and asked him about a lawsuit filed against him and US Loan Auditors by Bank ofAmerica for
deceptive marketing, as well as claims being posted on intemet complaint boards by consumers
who were saying that US Loan Auditors had falsely promised to prevent their lenders from
foreclosing on their homes. Barker asked me to close the door and then told me that he and other
managers at US Loan Auditors had specifically instructed the sales reps to tell prospective clients
that the bank would be
filed on their behalf. He also told me that he and other managers moved to change the practice
around September or October 2009. Today, however, Barker, Pulvino, and Sandison vehemently
deny that clients were ever told that simply filing a lawsuh would prevent the bank from
foreclosing, even though Barker previously admitted to me that he and others specifically
instmcted the sales reps to make that promise.
Since the Califomia Attomey General filed suit in this case on October 6, 1 have seen
and heard several things which indicate to me that Barker, Pulvino, and Sandison are moving to
quickly shut down US Loan Auditors and My US Legal Services, dissipate and/or transfer assets,
and remove potentially incriminating files and information to locations off-site.
On October 14, most ofthe sales staff working for US Loan Auditors was laid off.
US Loan Auditors' branch office in Santa Clara was shut down on the same day. On or around
October 15, 1 was told by Pulvino that US Loan Auditors and My US Legal Services are being
"phased out." He said that US Loan Auditors will be gone in a month or less, and that My US
Legal Services will be a little longer.
On or around October 20, 1 was informed by another employee that he had been
instmcted by Jeff Pulvino to transfer the title on Pulvino's personal vehicles to a third-party(ies).
On or around October 20, the Information Technology Manager, Rob Warren,
approached me with an urgent request for a company credit card to purchase an extemal harddrive
to perfonn a back-up of our server to keep off-site. He was adamant that the back-up had to
be performed that night. Based on my past experience with Sandison, Pulvino, and Barker, I was
concemed that they are moving to remove and/or delete potentially incriminating files from our
server. In addition, on or around October 2%, Mike Bums, an outside consultant to US Legal
Services, told me that "they deleted files from his laptop in case the AG (Attomey General)
showed up to take it."
I was also told by Pulvino that he. Barker, and Sandison are planning to start several
new companies, and that they are planning to hide any association between these new companies
and their individual names because oftheir "bad credit history, " and especially Sandison's name
because ofthe bar issues, " by which I assume he meant the disciplinary charges for
embezzlement and other misconduct that the State Bar recently filed against Sandison.
I was told by Pulvino they would like to form these new companies quickly and that
they will be Nevada corporations. I was also told that they would prefer to establish each one as a
separate entity because if legal issues arise with one or more ofthem, the others could be kept
I going. Pulvino told me that they may obtain a separate office space for each company, preferably
different suites in the same building. Pulvino also told me that they were likely going to "skip a
couple of rent payments" on the Rancho Cordova office space in order to help with cash flow for
the new companies.
Pulvino and Sandison each told me that the new companies will offer services very
similar to the audit and "legal support" services currently offered by US Loan Auditors and My
US Legal Services. He said that the forensic loan audits will be sold at "wholesale" to attomeys
and other "independent contractors, " instead of directly to consumers. Atomeys and
"independent confractors" who purchase the audits for their clients will be able to "package"
them under their own names and charge any price they wish.
Similarly, Pulvino told me that one ofthe new companies will provide "paralegal
support" services for attomeys. He told me that instead of confracting directly with consumers, as
My US Legal Services does, the new company will be invisible to clients; clients would have "no
idea we were working as an independent contractor to the attomey." The new company would
provide a "menu" of services to attomeys, including but not limited to receptionist, "call center"
and other "customer service" fiinctions. Further, instead of charging consumers directly for legal
services, as My US Legal Services does, the new company would be compensated by the
attomeys who use the service. Pulvino told me that their goal is to get attomeys who are
currently handling cases for My US Legal Services to purchase legal services from the new
company, bill the clients directly, and then "pay us the difference."
Pulvino also told me that one of the new companies would fimction as an attomey
referral service. People who are currently working as "attomey liaisons" and "telemarketers" for
US Loan Auditors and whose job is to recruit attomeys to take on cases for clients of US Loan
Auditors and My US Legal Services will be moved to this new company.
Recently, My US Legal Service's Automated Clearing House (ACH) account was
frozen by Bank ofAmerica for "high chargeback occurrences." I was tasked with trying to set up
a new ACH account and other employees in accoimting and client services have been instmcted
to call existing clients to verify that My US Legal Services may continue to charge them each
month for "legal services."
On or around Wednesday, October 15, however, Pulvino instmcted Tony Colson, the
"client retention specialist, " to cancel any future ACH payments by any client who has yet to be
assigned an attomey by My US Legal Services. There are over 200 such clients who are paying
each month for "legal services" but have yet to be assigned an attomey. Pulvino apparently wants
to keep the identify ofthese clients a secret because he approached Tony behind closed doors,
asked him for a printed list ofthese clients, and specifically instmcted Tony not to email it or
discuss h with anyone. I know about this because Tony told me.
On or aroimd October 21, 1 had a conversation with Laura Soutar, director of
operations for US Legal Services, about how the new companies would interact with each other.
She told me that she was still unsure but that we would need to lay off the entire staff of legal and
audit for a couple of weeks before the new companies hired them back in order to show that the
new companies are separate and independent from the existing businesses. I suggested they
interview new people and invite the ex-employees to participate. She acknowledged that
statement but replied that the real reason is she wants "every last one ofthem to go to EDD and
file a claim in order to show the entities are closed down."
I declare under penalty ofperjury under the laws ofthe State ofCalifomia that the
foregoing is tme and correct.

its sad that employees were fooled and clients were fooled!

sandison, pulvino, barker, souter and perhaps other employees need to be put behind bars, have all of their assets forfeited and sold to pay back clients who were duped.
they need to go to jail for a long long time. now, they are obviously CONSPIRING to commit additional crimes of the same nature. even the MAFIA knows when to lay low. these guys are too much! GREEDY AND STUPID!
LETS NOT FORGET THEIR MAIN SALES MANAGER AND RECRUITER (AS WELL AS THE ONE WHOM SET UP ALL OF THEIR COMPUTERS, THE EVER LYING ROLAND SISON. COME ON DOWN ROLAND, BECAUSE YOU'RE OUR NEXT CONTESTANT ON THE NEW HIT REALITY SHOW "JAIL TIME WITH BUBBA AND THE BOYS" WHERE NO HOLDS BARRED (OR IS THAT NO HOLES BARRED?) AUDIENCE, YOU BE THE JUDGE!

We should all call [censored]on and ask him why he lies so much.

ROLAND SISON FRAUD INVESTIGATOR [protected] CELL [protected] ROLAND@USLOANAUDITORS.COM FAX [protected]

Tony Colson is a crook too, he has known for a long time seeing how the company operates, it's a scam. Does anyone know how to reach him? I noticed these crooks are not answering their phone's lately.

These people have disconnected lines.. Ha What a efffing joke they are!

yeah, tony would not return my many calls over the last few months. he never answers his phone.
he does know what was going on and was probably paid extra to keep his mouth shut and keep stringing people along. he needs to be brought up on charges as well.
usla as a whole has destroyed many families and all for the sake of making money for themselves. they all need to go to jail.
there is no way that anyone there could have not known what the hell was going on. I can believe that some people quit when they found out, as some people do have a conscience, while the rest figured that they would not get into trouble and kept on selling the bogus loan audits and monthly legal fees. we were charged legal fees and our case never went to the lawyer until 5 or 6 months after the legal fees started, and then the complaint was filed and then there was nothing done for another 6 months. NOTHING AT ALL! the lawyer, LAPIN, told me that our case was almost to the point of settlement, when in fact, she hadnt even gone to court once on our case, per the judges clerk! but I was charge legal fees for almost a year? Guido, go gather the boys, we have a contract dispute to resolve, huh? Lets play some baseball, whaddu u say? Just like old times! they are just lucky I went the legal route! These guys are rotten bad!

I agree Alethia, some of these employees knew what was going on and they kept quiet because it was a job for them.. I couldn't believe how much some of them knew and stayed there.. Laura Soutar and Leticia Brazier are as responsible as the owners are. Paula Sontra, who they use to call HR didn't know anything about HR. Jennifer Mount Jeff Pulvinos girlfriend knows whats going on, Oh and lets not forget Rachelle Anderson, who is also known as the untouchable.. What a joke, I heard that rolly polly never did anything.. She walked around the office and gossiped.. In regards to Roland, Wow.. he was caught in a confernece room with naked girls and on top of the table lines of coke.. Go figure.. Did the company fire him? Nooooo, they told him to come back to Sacramento to work...
I'm thinking this company could go down for murder also, if a client tells you "i'm going to [censored] if i lose my house" your duty is to call the COPS!

Oh ya lets not forget about the companies shadow also known as the companies Bit** brian smith. He likes the fly on the wall that hears and sees everything..

How could they not know what was going on. Some of them were working for the banks and lenders writing the so called bad loans.

Steve, How could who not know what was going?

wow, I thought I knew quit a bit, but sixela, the info about roland, I never knew! Not surprised at all though. He is a little weasel rat! How do u know this to be true? Not that I am on their side by ANY MEANS, I was just wondering. If you dont want to post the answer, just send me a private mssg. Leticia Brzier was a total [censor] when I spoke to her and she defended the company 100%. she stated that she would not sit there and listen to anyone bad mouth the company. I told her, just look at this board. this was when all hell first started to break loose. she said those were disgruntled clients and they were banding together. I said, well, thats funny that everyone states the same things, exactly, and no one knows one-another! Further more, I told her that my immediate family member as well as myself and as well as a friend, all had the same exact dealings and lies from usla. she stated that every case was different. (Yeah, but the outcome is always the same, NOTHING!)
Hey Sixela, I never heard of these people, Jennifer Mount, Pulvinos g-friend, Rachelle Anderson, Paula Sontra. WOW, u r good! Yes, I would have to agree that they all had to know what was going on. I spoke to Pulvino a few times and all he seemed to care about was $$$$. Pulvino should get pulverized by BIG BUBBA.
I have a little interesting news but cant update this post with it just as of yet. When I am able to do so, you all will understand why I couldn't. Its not good for USLA though. I see it is sort of business as usual for usla. They feel as though they met the contractual obligation of their clients and have done nothing wrong and they are placing the blame on the lenders for the predatory loans and the lawyers (whom they assigned for each client, unknowingly to the client) as far as any failure to stop the foreclosures or win a judgment in the clients favor.
They basically claim they have done nothing wrong to all of these people. Then if that is so, why did the A.G. file a lawsuit, why is the bar investigating Lapin, Stein, & "everybody's favorite, yours and mine, Jim Sandison"?
I hope they get prison time and all of their assets taken. they deserve to go to prison for a long time.
also who is Brian Smith?

Sixela,

I was referencing to earlier post demonstrating how USLA employees and owners have previous experience in the financial industry.

Laura Soutar- Underwriter- Countrywide
J.R. Taitano- Accountant executive -Ameriquest
Shane and Jeff- Equityflips and Cashout Options

It's all related- Fraud in the Origination. Fraud in the Servicing. Fraud in the Foreclosure. They all knew.

This video sums it all up. 14 min.

http://www.youtube.com/watch?v=yXrkubSA2SA

Hey Barker Sandison pissvino trash braizer [censored]on soutar and others, enjoy your Turkey today, next year your biggest worry will be holding on to the soap. Don't worry, where ever your at, people will know about you and what you are about.

And Roland: they don't serve Lumpia in our prisons.

oh contrair, they have some lumpias for him alright, just that they call them big bubbas LUMPias. usually served at shower time. along with a big side of meat balls and juice. and if he's a real good BOY, he can get 2nd's, 3rd's, 4th's, and so on ... there aint no such thing as a restraining order there. They'll take his bunghole as fast as the lender took our home, even quicker!

LOL..yeah, maybe he can hire a lawyer to get a restraining order, that will work as good as the one they said about our lender. LOL...