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The chances are that either you, or someone you
know is facing foreclosure. The Corporate Firm USA is an
all-inclusive firm that specializes in helping people keep
their home when they are facing foreclosure.
Foreclosure...
and live in your home
during the
process!
Now you can turn lender
violations and foreclosure violations in your favor!
Testimonials
"I
wanted to thank you for the quality of your manuals on
foreclosure avoidance and..."
—
Dr. Richard C (Park City, UT)
"I wanted to express my
gratitude to your organization. I have always been a slow
learner..."
—
Kimberly T. (Las Vegas, NV)
"We are very content
with your program and ongoing support. We finished the
program..."
— Rafael &
Victoria V. (Los Angeles, CA)
"The Corporate Firm I cannot thank you enough."
— Alex L. (Boise, ID)
“I have to admit I was a little skeptical at
first, but after seeing what you were able to do with my
home after only a few months, it is very reassuring. Thank
you for everything that you are doing for me and please pass
on to your staff my appreciation for all of the hard work.â€
— T.B. (Salt Lake City, UT)
“I’m sure
you hear this all the time but I couldn't stop singing songs
of praise to the staff at The Corporate Firm. I got an
updated copy of my mortgage status from my bank today and I
was so happy I started jumping up and down in the driveway.
They decided to stop the foreclosure process — and in less
than two months — now that’s what I call SERVICE. I can’t
wait to see how much money I won’t have to spend each month
on my mortgage! Thanks a million!â€
— A.
(Henderson, NV)
How Predatory Lending Works
The NON-DISCLOSURE
VIOLATION occurred when you signed your
mortgage. What is created when you sign a mortgage is a
security instrument. This instrument becomes a tradable
commodity that generates monies because of your signature,
credit, and hypothecated labor. (Interpretation of deed of
trust) Monies generated from the sale of this mortgage are
to be put in a trust account, and the borrower has 30 days
to claim the excess funds to that account and or the deed of
trust to that property therefore If we do not claim those
funds it reverts back to the bank. The lender is also
required to provide a ledger, an annual accounting of all
the debits and credits that have gone through that account.
The copyright laws state that before you can use a person’s
signature, or credit, you must be notified.
The reality is the lender does
not have the ledgers and therefore have violated our rights
without disclosing it to us. They are liable from not
performing to the contract that they created. By not being able
to produce the ledger to this account they are in violation.
The lender is given 21 days to respond to these allegations,
and until then we are acting within our rights and the
lender cannot legally demand a mortgage payment, charge fees
and penalties or negatively report to the credit bureaus.
Until the lender renegotiates your contract, which would
result in a loan you can afford or the allegations have been
lifted, the lender has no rights in continuing to harass you
for payments. The effectiveness of this program gives the
borrower leverage in negotiating with the lender and was
designed to stop the lender from legally demanding a payment
until the borrower can get financial relief. The
program clouds the title and makes it unclear to the courts
and the judicial system who owes who money!
Banks and mortgage companies
receive numerous benefits based on the signature we gave on
the security instrument. They use our credit in numerous
ways to fill their own pockets, and when we need help we are
ignored.
The
reason these laws have not been rescinded is we allowed it
to happen by acquiescing (being silent). We no longer need
to be afraid of the lender because they have breached
their own contract and are required by law to prove
the allegations are not true. We are obligated
to intervene as consumers and use the program to ensure that
our rights are
protected so we are not forced out of our homes. This
program
is designed to
either force the lender to modify your existing loan or give
you time, as the homeowner, to get financially back on your
feet. If your goal
is to sell your home, then this program allows you the time
you need to sell, not allow the lender to foreclosure.
This program also
avoids bankruptcy which is critical to all homeowners’
credit.
Why is Your Information so Important?
The banks that
are foreclosing on almost all the mortgages do not own
them.
In
thousands of cases they never owned them other than in name
and long enough to make a quick profit.
Not only do they not
own them, but they sold the income from those mortgages for
more money than
the loan amount you borrowed.
Therefore the
foreclosing banks have
not lost any
money.
When they successfully
foreclose and sell the property any money they make is a
bonus for the foreclosing banks that do not own the mortgage
and they have no obligation to pay the proceeds to the
investors who also do not have any legal title to them.
Almost all mortgages sold
between 2001 and 2008 contain dozens of Federal
and State violations.
Each mortgage was bundled
with others spread across the country, mingled with other
forms of debt, including credit cards and motor
vehicle loans
and sold to investors on Wall Street as Asset Backed
Securities (ABS’s), AKA many other names including
securitized debt.
Securitized debt is
fraudster speak for selling at a profit an asset never
really owned by ‘pretend banks’ (wholesalers of
mortgage funds) to investment banks on Wall Street who
financed the whole fraud through investors in ABS’s, who
have no real security.
Simultaneously, the pretend banks sold the servicing
rights of the mortgages (also at a profit) to other pretend
banks who were wholly owned by big Wall Street Investment Banks.
Example – First Magnus
(Pretend Bank) – sells servicing rights to Aurora Loan
Services (Wholly owned by Lehman Bros who found the
investment capital to fund the deals).
Many of the ‘so called’
banks that ‘lent the money’ were nothing more than
originators for investment banks and broker dealers on Wall
Street. They had names like First Magnus, Express Capital
Lending and Deutsche Bank CLG (Correspondent Lending
Group). Hundreds of these ‘pretend banks’ are now bankrupt,
out of business or some of the well known larger ones have
been taken over.
The now
bankrupted ‘pretend bank’ employees who offered the
mortgages through mortgage brokers or direct to borrowers
from their offices, were salesmen working on commission.
Their job was to sell as many mortgages as they could and to find ways around
normal underwriting standards. The banking and investment
industry called these high pressure mortgages ‘liar’s
loans.’ Only now do we know the identities of the liars –
and it was not the borrowers.
Most of the
investment came from overseas and the bulk of it from
Chinese Investors who had mountains of US Dollars from its
trade in cheap
goods worldwide and Wall Street provided them with an outlet
for this cash.
Also Asset
Backed
Securities were sold to Pension Funds.
If the foreclosure papers filed
in the Court suggest that the Plaintiff has lost the note
and/or mortgage this is almost certainly a lie. It is in
itself enough grounds for you to stop the foreclosure
process in its tracks to buy enough time to formulate your
longer term plans.
Even if this
lie is not told a simple request to the Attorneys
representing the foreclosing banks (with a copy filed at
your local Clerk of Court’s office)
asking them to provide proof of debt will have the same
effect of stopping the automatic foreclosure process from
rolling on to its inevitable conclusion.
The
damages that
can be awarded to defendants who prove that the papers
served and recorded in the Court contain false information
and that the Plaintiff and/or their Attorney knew, or should
have known that it was false are substantial.
The
damages can
include the refund of all money paid since the inception of
the mortgage and quiet title granted to you without
mortgage. (In Baltimore, Maryland, jury awarded 1.25 million
to borrower in suit against Wells Fargo).
Few
borrowers fully
understand the documentation they are submerged in at a
closing. Even less people understand what documents should
have been produced, what their rights of rescission are or
have ever heard of the Truth in Lending Act (TILA) – a
Federal Law that applies to all mortgages nationwide.
Even if your
home or other property are not in foreclosure, or in
imminent danger of being in foreclosure you may have a case
to pursue major
damages and have your mortgage cancelled because of Truth in
Lending and other violations of Federal and State laws.
This program will teach you that
the financial crisis was not caused by sub-prime borrowers
that we are constantly told should not have borrowed money.
It was
actually caused by fraudulent sales of Asset Backed
Securities to investors by predatory Wall Street Banks to
provide the cash to lend and irresponsible predatory lending by banks
who knew that they were going to immediately profit by
securitizing these loans.
It was all the more
irresponsible because they knew, or should have known, that
when the adjustable rate mortgages they sold to people on
the hope of
selling the homes at a profit in a falsely rising market
before the interest rates were increased under the terms of
their Adjustable Rate Mortgages (ARMs) the bubble would have
burst and property values would tumble.
In order to maximize their
profits the deceptive banks often failed to disclose the
existence of future rate hikes, the fact that borrowers were
put into negative equity loans, were
only paying a fraction of the face interest attached to the
loan and that they had falsified the income levels of the
borrower when putting a new mortgage into a pool.
Even borrowers who did not have ARMs or
whose rates were not set to raise for many years in the
future could not sell their properties when the value
dropped below the mortgage owed.
Most firms of Attorneys either
have not received the specialized training to be able to
assist clients to prevent their homes being illegally
repossessed. All Attorneys are not equally qualified or
experienced to deal with your case; any more than any doctor
or any other professional possesses all the knowledge and/or experience
to deal with every aspect of their profession. It is not
enough to know that an Attorney specializes in Real Estate
or even Real Estate Foreclosures. Clients need to satisfy
themselves as to the level of expertise and preparedness to
expose the frauds on the Court, many of which are being
knowingly stated by other Attorneys.
You will also need to
explore various Attorneys’ fee structure and ascertain if
they will take on some work without up-front fees, or be
prepared to work on a contingency basis, where any
damages they recover would be shared between you and them.
With more than 20 ways
to STOP the FORECLOSURE process you can FREEZE your MORTGAGE
to dispute lender violations in your home loan documents and
it’s all legal!
This allows you to
maintain in your home, mortgage payment free during the
process for up to 4 years AFTER defaulting on your mortgage
payment.
It’s NOT YOUR fault!
LENDERS created this
mess; YOU can fight back!
Our SYSTEM has a 100%
SUCCESS RATE, We GUARANTEE it!
What
do I need to provide?
•
NO financials are required
• NO pay stubs
•
NO bank statements
• NO tax documents
•
Personal credit is NOT an issue
• Employment is NOT an issue
Our proprietary SYSTEM
takes on a DIFFERENT APPROACH than MOST. We FOCUS on the
NON-DISCLOSURE issues that VIOLATE the REAL ESTATE
SETTLEMENT PROCEDURES ACT and TRUTH in LENDING LAWS (TILA)
which are typically NOT addressed.
Is this Legal?
Yes, very much so! The
REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA) and
TRUTH in LENDING ACT (TILA)
were established by the Federal Government more than
10 years ago to protect
YOU!
Who can we help?
Our system works for
both RESIDENTIAL and/or COMMERCIAL PROPERTIES.
• Applies to VIRTUALLY
ANYONE!
• Can be used in EVER
Y STATE IN THE U.S. (NATIONWIDE)
What is the cost of all this information?
Keeping your house is
priceless and we understand that. We also understand that if
you are here, you probably aren't sitting around with bags
full of cash. If you were you wouldn't need this
information.
The price of this 20 page guide to helping you keep your house is
only $9.95! Now, we cannot keep the price that low
forever, but if you order by midnight on
, we can guarantee that price.
Click here to purchase our comprehensive guide that will
help you keep your home
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