US Loan Auditors review: Company reviews 884

Alethia.now,

I don't know. I just found this.

http://www.scam.com/showthread.php?t=5757

(2) Transfer of Title: ..."The client records a quitclaim deed with the local county recorder's office, which allegedly transfers the borrower's title interests to this trust. However, mortgage agreements between a borrower and a lender generally require the lender's consent before the borrower may transfer his/her title interests."

hi everybody,
For those of you who did answer my emails, " Thank you".
For those that didn't, I understand, thanks anyway.
For those of you that have legitimate complaints take a look at /link removed/
And Patski Rey has provided excellent advice.
And you can't go wrong exchanging ideas and studing the lessons that can be learned from Steve.
For anyone new and seeking answers, I recommend veiwing the posts made by codyheather starting from 72 days ago.
For the record,
"I am not, nor have I ever been an associate or employee of US Loan Auditors, and/or US Legal Services."
I do understand that folks are leary and suspicious, good, do not stop being cautious.
With my situation the way it is now and the relationship I do have with USLA & USLS, I must watch my ### for contractual reasons.
You all have played your part in providing me with valueable information and insight that has helped me formulate my plan of action.
Even Need_Help.

simpleguy

I am one of the team members that created this complaints web site. We have been recieveing numerous calls about the endless banter of people miss using this particular forum. For those of you whoo are using this as an argumentive chat room, (there is about seven of you) you are using the COMPLAINTS board wrongfully. It was meant to be used as a informative site. Not a usless chat room... Post your complaint for people to gain imformation, not repetitive arguments. Please use it as intended or it will be shut down... Thank you for your time.

web master: if u r the webmaster for this site, please contact me so I may verify whom u say u are, ie.. webmaster of this site.
Be prepared with your Proctor I-D Sans number and your URL serv-prot dest. I-D

"Desperate Times Call For Desperate Measures"

1. No contact phone number anywhere to this website.

2. Member as of today.

3. Lives somewhere in the United States.

No problem. I go to about page ten and there's about twelve of you.

Bring back the FBI agent. That's my favorite.

Mr. Webmaster - the word is "misusing" not miss using. And also, it's not "there is about seven of you", it's "there ARE about seven of you." I could go on, as there are so many other grammatical errors in your post that you would appear to me to be either ignorant, or you lack the proper education to know better. We all send quick posts, but I would have expected the webmaster to have a proper handle on the english lanquage. After all, they are also running a business. It seems to me that the webmaster would have the capability of contacting us all by our personal emails and informing us of their intent to shut down this site. Now, I would like to hear from the real WEBMASTER that I've spoken with on/off to find out if you are who you say you are. We're not as stupid as you think.

I agree with alethia.now. Identify yourself or blow off.

THE FOLLOWING INFORMATION IS FROM INFO I GATHERED ON THE INTERNET. I MAKE NO CLAIMS IN ANYWAY THAT IT IS USEFUL OR ACCURATE OR CREDIBLE. USE THE INFORMATION AT YOUR OWN RISK. IT MAY BE GOOD OR IT MAY NOT. I DONT KNOW. MY OPINION IS THAT IT COMES FROM CREDIBLE AND KNOWLEDGEBLE SOURCES, BUT THAT'S JUST MY OPINION. I POSTED THIS JUST FOR PEOPLE TO READ.
MAYBE IT WILL GIVE YOU IDEAS. I AM GOING TO SEEK PROFESSIONAL ADVICE IN REGARDS TO THESE ARTICLES AND IF THEY HOLD TRUE. GOOD LUCK. IT'S JUST FYI !

INFO ON CANCELLATION OF LENDERS DEBT OF MORTGAGE NOTE

http://livinglies.wordpress.com/2009/11/23/lawyers-foreclosure-defense-of-quiet-title-faces-tests/

http://livinglies.wordpress.com/2008/06/23/affirmative-defenses-to-foreclosing-party%E2%80%99s-claim-of-%E2%80%9Clost-note%E2%80%9D/

LINK: http://www.law.cornell.edu/ucc/8/overview.html
Legal Information Institute – Cornell Law School
UNIFORM COMMERCIAL CODE – ARTICLE 8
INVESTMENT SECURITIES (1977 revision)
Copyright 1978, 1987, 1988, 1990, 1991, 1992 by The American Law Institute and the National Conference of Commissioners on Uniform State Laws; reproduced, published and distributed with the permission of the Permanent Editorial Board for the Uniform Commercial Code for the limited purposes of study, teaching, and academic research. [This 1977 version of Article 8 was revised in 1994. For the 1994 revision click here.
For Article 8 as enacted by a particular state and any proposed revisions click here.]
PART 1. SHORT TITLE AND GENERAL MATTERS
PART 2. ISSUE – ISSUER.
PART 3. TRANSFER
PART 4. REGISTRATION
PART 1. SHORT TITLE AND GENERAL MATTERS
* § 8-101. Short Title.
* § 8-102. Definitions and Index of Definitions.
* § 8-103. Issuer’s Lien.
* § 8-104. Effect of Overissue; “Overissue”.
* § 8-105. Certificated Securities Negotiable; Statements and Instructions Not Negotiable; Presumptions.
* § 8-106. Applicability.
* § 8-107. Securities Transferable; Action for Price.
* § 8-108. Registration of Pledge and Release of Uncertificated Securities.
PART 2. ISSUE – ISSUER.
* § 8-201. “Issuer”.
* § 8-202. Issuer’s Responsibility and Defenses; Notice of Defect or Defense.
* § 8-203. Staleness as Notice of Defects or Defenses.
* § 8-204. Effect of Issuer’s Restrictions on Transfer.
* § 8-205. Effect of Unauthorized Signature on Certificated Security or Initial Transaction Statement.
* § 8-206. Completion or Alteration of Certificated Security or Initial Transaction Statement.
* § 8-207. Rights and Duties of Issuer With Respect to Registered Owners and Registered Pledgees.
* § 8-208. Effect of Signature of Authenticating Trustee, Registrar, or Transfer Agent.

PART 3. TRANSFER
* § 8-301. Rights Acquired by Purchaser.
* § 8-302. “Bona Fide Purchaser”; “Adverse Claim”; Title Acquired by Bona Fide Purchaser.
* § 8-303. “Broker”.
* § 8-304. Notice to Purchaser of Adverse Claims.
* § 8-305. Staleness as Notice of Adverse Claims.
* § 8-306. Warranties on Presentment and Transfer of Certificated Securities; Warranties of Originators of Instructions.
* § 8-307. Effect of Delivery Without Indorsement; Right to Compel Indorsement.
* § 8-308. Indorsements; Instructions.
* § 8-309. Effect of Indorsement Without Delivery.
* § 8-310. Indorsement of Certificated Security in Bearer Form.
* § 8-311. Effect of Unauthorized Indorsement or Instruction.
* § 8-312. Effect of Guaranteeing Signature, Indorsement or Instruction.
* § 8-313. When Transfer to Purchaser Occurs; Financial Intermediary as Bona Fide Purchaser; “Financial Intermediary”.
* § 8-314. Duty to Transfer, When Completed.
* § 8-315. Action Against Transferee Based Upon Wrongful Transfer.
* § 8-316. Purchaser’s Right to Requisites for Registration of Transfer, Pledge, or Release on Books.
* § 8-317. Creditors’ Rights.
* § 8-318. No Conversion by Good Faith Conduct.
* § 8-319. Statute of Frauds.
* § 8-320. Transfer or Pledge Within Central Depository System.
* § 8-321. Enforceability, Attachment, Perfection and Termination of Security Interests.
PART 4. REGISTRATION
* § 8-401. Duty of Issuer to Register Transfer, Pledge, or Release.
* § 8-402. Assurance That Indorsements and Instructions Are Effective.
* § 8-403. Issuer’s Duty as to Adverse Claims.
* § 8-404. Liability and Non-liability for Registration.
* § 8-405. Lost, Destroyed, and Stolen Certificated Securities.
* § 8-406. Duty of Authenticating Trustee, Transfer Agent, or Registrar.
* § 8-407. Exchangeability of Securities.
* § 8-408. Statements of Uncertificated Securities.
© Copyright 2005 by The American Law Institute and the National Conference of Commissioners on Uniform State Laws; reproduced, published and distributed with the permission of the Permanent Editorial Board for the Uniform Commercial Code for the limited purposes of study, teaching, and academic research.

Once again -alethia.now Exactly the same.

Livinglies.com is where I started under -Find a lawyer That "Gets it"

But it all became too much. I thought, "Why do I need the note defense when I'm being told my loan was fraud. How do I file as Pro Se?" At the time, I didn't even know Florida is Judicial and Calif. is Non-Judicial. So I shall play it smart and try to find a lawyer who does both. And Lo and Behold along comes USLA. That newly group corporation of lawyers going after the fraud, the note, and the lenders throat while being affordable. "My Heroes!"

Ya, we'll what good are all these defenses now after the home has been sold off at auction to another bank.

Dear representative of U.S. Lender Audit - What a clever way to advertise! However, the members of this board are very sharp consumers, and will most likely investigate you too as to whether you are as legitimate as you claim to be. "Be careful what you wish for". By the way, do you have a name?

Whom ever is being vindictive sending me "Hi, Steve" In box comments I recieved about 40 ...All I can answer with is...Your dummer than a box of nails. Your just standing there waiting to get HIT.

Mr. Barker,

There is a good possibility you heeded my warning because Need Help has not posted in days. Yet, Steve has complained of excessive messages and I have received the same.(over 100) The only explanation to this phenomenon is the only antagonist on this site...Need Help. I gave fair warning.

Come Monday morning, I will drop a written bombshell that will leave US Loan Auditors and www.myuslegal.com reeling.

When you have your company meeting Monday morning, topic #1 should be what to do with Need Help. He was the one that kept me going on this ridiculous crusade. The second topic should be, "what kind of honest business man goes on kcra tv; unshaven...with and earring and badly disguised hairloss?" (dead giveaway to a scam, i might add.)

Get ready...

Is that what Barker and his crew are resorting to now? Really? No, REALLY? That's HILARIOUS!

You can send me as many messages as you'd like. Do you really think that's going to keep me from posting here? LOL What idiots! LOL, LOL, LOL

By the way, I would have never even noticed the messages had I not received a private email from a member of this board. Again I say, HILARIOUS!

Here we are March 19th! I said I was going to court today. As we know USLA did nothing for me passing the auction date. I used every defense anyone can think of. Trust me on that. The Judge will just roll their eyes and say time has lapsed. Thanks USLA you cost me everything!

Wow. If that isn't enough to convince someone that this company is a scam, then I don't know what else to say. Steve, that's terrible...I'm so sorry you had to experience that. I urge everyone in the very same predicament to contact Steve and consider a class action lawsuit against USLA...IMMMEDIATELY!

I would say don't bother. The fact remains I had to go back to my brokers office to get a copy of my 1003 Form. "Universal Residential Mortgage Application" They lied about the Incomes and hid the document from your closing papers. My signature is NOT on it. District Attorney says can't get search warrent to gather copies of Tittle/ Escrow papers. Because they could be stored anywhere in the State. Give me a break!
If you can't do the modification then I just don't know what to tell you. Maybe file a TRO on your home immediatley. USLA did nothing. I did the same thing as everyone. I just wanted to see how I got into this so called bad loan last year. So if your me, then you can either modify as a slave or you can get out. It's my assumption State of Calif. is too broke to help anyone.
Last attempt, I left message with my Congress men to call back.
Alredy predicting more excuses.

CAUTION: Even though USLA advertised to stop the foreclosure or said anything different over the phone. It does'nt matter. Contract says their version of an audit. Thats what you got. I'm tired of being mislead lied to and ignored. I'm done!

USLA: Why didn't you listen...?

Us Loan Auditors and www.myuslegal.com does indeed, file cases in federal court, on behalf of their plaintiffs. Even though they collect legal fees, they do not inform you that their primary intention is to FAIL. The longer a client pays them, the more money they "earn".

As of today, for example, found on www.myuslegal.com under Recent Cases you can find:

Abarca et al v American Home Mortgage Servicing, Inc., et al, Tran et al v Indymac Federal Bank et al, Cummings v Bank of America Home Loans et al:

The one thing these cases have in common is the same attorney representing the plaintiff against the lender...Sharon L. Lapin.

According to the CA State Bar at http://members.calbar.ca.gov/search/member_detail.aspx?x=165919: (emphasis mine)

"SHARON L. LAPIN [#165919], 51, of San Rafael was suspended for one year, stayed, and placed on two years of probation. The order took effect June 16, 2006.

Lapin stipulated to 15 counts of misconduct in three matters.

In the first matter, she was hired to perform estate planning work for an elderly and impaired woman. After the woman’s family members provided Lapin with requested documentation, SHE DID NO WORK FOR THEM.

She did not respond to numerous voicemail messages or REFUND unearned fees.

In the second matter, Lapin was to provide legal advice in a client’s dissolution and to prepare articles of incorporation. She did not respond to more than 40 voicemail messages from the client, did not prepare the articles of incorporation or provide the documentation required to complete the dissolution.

She also did not refund the client’s advance fee.

The third case involved a client who wanted to sue a veterinary clinic. Despite Lapin’s repeated promises to pursue the case, SHE DID NOT PROVIDE ANY SUBSTANTIAL SERVICES to her client, nor did she return his file when he fired her.

After the client complained to the State Bar, Lapin offered to refund his $1, 000 fee on the condition that he withdraw his complaint.

Lapin stipulated that she failed to perform legal services competently, refund unearned fees, respond to client inquiries, return client files or cooperate with the bar’s investigation and she improperly withdrew from representation. She also sought an agreement to withdraw a State Bar complaint.

In 2003, Lapin had entered into an agreement in lieu of discipline with the bar. By committing misconduct, she failed to comply with the agreement.

In mitigation, she has no prior discipline record."

A google search reveals that Sharon L. Lapin is a criminal law, divorce and DUI attorney...why is she representing Truth In Lending cases in federal court?

Lets go futrther...

-Mendez et al v. EMC Mortgage Corporation et al; Case Number: 3:2009cv05961;Filed: December 21, 2009; Date Filed # Document Text
March 12, 2010 20 Court Opinion or Order ORDER OF DISMISSAL. Signed by Magistrate Judge Bernard Zimmerman on 3/12/2010. (bzsec, COURT STAFF) (Filed on 3/12/2010)

-Morales et al v. Bank of America et al;Case Number: 3:2009cv05567 Filed: November 24, 2009; Date Filed # Document Text
March 2, 2010 23 Court Opinion or Order ORDER by Judge Charles R. Breyer granting 8 Motion to Dismiss; granting 12 Motion to Dismiss (crblc3, COURT STAFF) (Filed on 3/2/2010)

Both cases dismissed! Did the homeowners receive any relief after spending thousands of dollars?These are the only the dismissed cases i have located so far...the number of cases in which Sharon L. Lapin is representing is uncountable(too many to track, 20+). Why has USLA and www.myuslegal.com entrusted such an attorney with so much? Do they have an answer?

Doubt you will get an answer on this site...

To the Company meeting, on Monday morning,

Yup...I just posted that.

IT appears Lapin didn't learn her lesson from the CA Bar, she appears to be involved with a shady company. People are putting all their trust and hope in this criminal law, divorce and DUI attorney to save their homes? Remember, USLA is looking out for your best interest...LOL...LOL...

Like everyone else in need they put on quite a show in the begining. Get the check & contract and do nothing. But they were energetic go getters and I was desperate.

"We work so hard. We started this company in a garage."

Signed up in Sept. Auction date Nov.5th Enough time to atleast file a TRO or Lis Pendens. Called and called. Even sent web link to Reality Trac.com to inform them of auction. Got nothing but don't worry. Your house did'nt sell. Then comes the Unlawful Detainer support excuse

AND CHECK THIS OUT! Got my silly audit DECEMBER. 3rd and a request to start paying a $1, 000. LOL LOL LOL LOL LOL THE HOUSE IS GONE! The whole deal over the phone is to stay in your home and pay them. I did'nt find this site until Feb.

Every lawyer now is $5, 000 down with a who knows how long or how much. FORGET IT! No matter how much proof is discovered. I'M NOT GOING TO SPECULATE ON HOPE & JUSTICE.

I was stuck with American Home Mortgage Servicing, Inc. too.

AMHSI "F" rating BBB
Department of Corporations pulls AMHSI business lic. on Feb. 2009

No more investigating because I can already see the headlines.

"JERRY BROWN SHUTS DOWN USLA"
Victums recieve $10 dollar gift certificate to Wallmart.

I, too, was assigned to Sharon Lapin. It has been almost a year now. I have never heard from her. I have left more than 20 mssgs and I even emailed her. NO RESPONSE EVER. It is true about her Bar record as posted earlier. she has been a bad girl and continues to be so.

My friend was assigned a lawyer from USLA that got his license 12-2009 as a family law lawyer. what the hell is that? He calls the guy and the phone is disconnected. I got that lawyers email address and my friend emailed him and the lawyer wanted to know how he got his email address. DUMB ARS LAWYER! He is no longer associated with USLA. Then, they give him another lawyer that has only been in practice for 1 yr and not in real estate law.

I lost 5 homes since I started with USLA. I dont know of anyone who has taken such a hit as myself. All the same promises that have been posted here, were broken. I drove by one of my homes and stopped last week when I saw the lights on. There was suppose to be a lis pen dence and TRO on the property as it (was) in federal court but now moved to state court. SOMEONE bought the home and were living in it. THANKS FOR THE HELP USLA. My property of 10 yrs gone. so what, they sue for additional damages as well? I sure hope so.

alethia.now,

If in California,

If the problem is with the lender go to Department of Corportations. I found it easier to contact them with questions before filing a complaint. They responded fast.

http://www.corp.ca.gov/ENF/default.asp

If the problem is with the loan originator/broker go to Department of Real esate

http://www.dre.ca.gov/cons_complaint.html

Call your Title/Escrow office and request all copies of loan.

Read thru Federal Laws Tittle 12 Banks & Banking Chap 27 & 29 It's gives you an explanation of what docs should be on file and for how long.

http://law.justia.com/us/codes/

Same website just easier to find State codes

http://law.justia.com/index.html

If you discover closing docs don't match up, missing, or unavailable. Then you go to:

http://www.insurance.ca.gov/ under fraud

Not that any of these links will settle matters. But these are your TRUE loan fraud investigators. Sad how I just came across the right direction after all this USLA crap and the house is gone.

Steve, Think of all the people your helping right now just offering up this info. It's priceless, and it would have taken tons of time in research in order to find it all. Thank you so much for all your hard work. I'm sorry it couldn't help your situation.

I would steer clear of this group. They seek to prove predatory lending practices yet all mortgage documents are reviewed by HUD.

This company claims it can reduce your mortgage interest rate, but you don't need them to do it. The new federal program is providing funding for banks to voluntarily reduce the principal amount of the mortgage in those cases where a homeowner owes more on their house than it is worth.

If you have a problem, work with your mortgage lender, don't use a middleman.

Thanks Cheyenne12,

Got my stuff sent out. I think its too soon on contacting dept. of insurance. Your suppose to be filing a claim on what you want. We'll all I wanted for over a year now was for someone to explain the mortgage fraud.

But check this out...

Go back to the link I posted under Federal Laws Tittle 12. Look for Chapter 49 "Home owners Protection" Section 4905

While I was in foreclosure, I reiceved a letter and a call about a default mortgage insurance policy taken out on my loan. I was confused to what it all meant. I put down 20% to avoid the residential mortgage insurance. But now I get it.

Those sneaky lending ### put us in loans guaranteed to fail!

"What! You want a modification. HA! We can't wait to get rid of your ###. We already have a policy taken out on you.

(1) not later than the date on which a loan commitment is made
for the residential mortgage transaction, the prospective mortgagee
shall provide to the prospective mortgagor a written notice--

Anyone get that notice when they closed the loan? Double check what I'm reading under that code.

http://law.justia.com/us/codes/title12/12usc4905.html

"Beware of the scribes, which desire to walk in long robes, and love greetings in the markets, and the highest seats in the synagogues, and the chief rooms at feasts; Which devour widows' houses, and for a shew make long prayers: the same shall receive greater damnation."

This describes Barker and friends exactly!

BEEN RESEARCHING. HERE ARE LINKS THAT MIGHT HELP UNDERSTAND THINGS BETTER

UDAPLaw.com

Fair Debt Collection Practices Act is also a Federal and State right to you. Please see FDCPA-violations.com and consider sending an FDCPA request to put the burden of proof back to the claimant alleging funds owed.

See PoolingAndServicingAgreement.com for details

see ValidationofDebtLetter.com

http://timothymccandless.wordpress.com/author/timothymccandless/

great info from a lawyers site. he is for the people check it out

I was wrong on that lenders insurance. They take the policy out on you when you stop paying the homeowners insurance. I was just trying to find more dirt on the lenders.

alethia.now, That is a good web site. I used the "unlawful detainer law and foreclosure law collide." Had no defenses left since USLA failed us. And in court those defenses did'nt worked for me. After auction the house is just one big car repo. That's fine. I'm still going after the lender/broker or whom ever that got me in this bad loan. Just going to wait until I get a reply from Dept. of Corps and Dept. of Real estate.

steve. i'm glad to hear that u liked the website. The guy is loaded with info.
I too am going to pursue the lenders, and probably cancel usla contract

I have to retract what I said. I may be slow but I eventually get it. Of course the lenders didn't take out lenders insurance at the begining of your loan and not tell you. That would be unlawful. They wait until you default and then take it out.

Follow the money...

1st. Your in an Option-Arm, Subprime 80/20 or whatever. A loan you never stood a chance at paying back. Most likely your income was increased behind your back to qualify for the loan.

2nd. You felt the stress and played the game trying to get a modification but the lenders already maid up their minds to get rid of you.

3rd. You default spending money trying to get audits and legal help. -USLA

4th. Lenders take out the lender paid default insurance on you.

5th No buyers/ bottom feeders left to buy your home at auction. So they sell your house to another bank. And the FDIC makes up some of the difference in the lenders losses.

THEY CAN'T LOSE!

http://www.floridamortgagecorp.com/underwriting.htm

http://www.thaindian.com/newsportal/business/californians-warned-to-beware-of-forensic-loan-audit-scams_100324650.html#ixzz0gIsrkX8X

fyi

http://timothymccandless.wordpress.com/2010/04/03/1193/

this is not good news for us homeowners!

You have got to see the video "Loan Modification Hell" at:

http://www.loansafe.org/

Good Afternoon Everyone,

I would like to strongly advise everyone against doing business with US Loan Auditors, and if you have given them money, you should file complaints with the California Attorney General and the State of Bar of California's Loan Modification Task Force.

Although the company claims that it only provides predatory lending litigation support, that is often not the case. If they have taken any steps to save your house from foreclosure, it was illegal for them to collect advance fees from you. That is why your "attorneys" are working on a contingency fee, it is illegal for them to collect fees upfront if they have taken any steps to modify your loan or or avoid foreclosure. Ask your attorney for yourselves.

You're being taken advantage of by the same people who sold these loans in the first place, thats why they know what to look for in their audit. Protect yourself and contact the AG and the Bar.

That would essentially mean that every payment made to USLA, which would include the upfront fees of 1% of the loan value, and all other "attorney" fees are all illegal. Period. That's before any attorney even comes into the picture.

Also, this attorney that has been assigned to all these folks appears to have, once again, breached her fiduciary responsibilities to adhere to the letter of the law. I'm sure the State Bar would love to hear from all of you regarding her behavior (or lack thereof). Run her out of business, and USLA will be limited in finding unscrupulous attornies to help them with their "cases". What a joke.

When you file a complaint with the California Bar, the USLA attorney is James D Sandison. Like Sharon Lupin, also a Lincoln Law Graduate but Sandison was a former cop before becoming a Lawyer. Both seem to be driven by the almighty dollar. And if your a client of USLA, at your loss. I heard the Sacramento Bee (fraud investigations) is also looking for clients that have dealt with this company.

Today the sheriff pulled up and said, "I hate to do this but it's my job." I shook his hand and introduced myself. I said it's not your fault. These lying brokers, lenders, and wall steet put us in Option-Arm loans we had no chance at ever paying back. They used our self-employed gross incomes behinds are backs and they don't have a signature, nor do they have a copy of the Universal Loan Application at the Tittle Company. I'm out of here April 15th.
Where are you Need_Help? I'm guessing your in Methico by now.

Plus if sign up for petitions at this website, you will get a reply letter from your congress person. It's a little but it's something.

http://www.affil.org/

If anyone chooses to use this Company, make sure Sharon Lapin is not your Attorney! She will rob you, not answer your call's, or emails. She is a scam artist. Trust me, stear clear of her! She will ### you over like she has so many others!