Better Business Bureau Receives FFF Grade, Fails Audit

Eagle Audit Services has done a preliminary audit on the Better Business Bureau (BBB).  We found that the following ethics violations apply:

FAIL:   The BBB does not post any complaint made against their own organization on their own website.  EAS finds this practice to be completely hypocritical.

FAIL:   The BBB uses its “grading system” as a weapon against businesses.

FAIL:   The BBB uses its “grading system” as a tool of extortion by holding the reputation of businesses “hostage” until the business pays for phony “BBB Accreditation.”

FAIL:   The BBB has given terrorist organizations an “A” rating in exchange for a membership fee.  This is a slap in the face of every American – especially to those Patriots who died on September 11, 2001.

FAIL:   The BBB has given a whitehead racist organization an “A+” rating.

FAIL:   The BBB has issued malicious press statements against businesses and business owners that they do not like.

FAIL:   The BBB continues to use the “grading system” to grade businesses while extorting money from countless small business owners while pretending to also represent “consumer interests.”

FAIL:   The BBB operates under a misconception of that they are some sort of “government agency.”  No such disclosure is made to consumers, businesses, members of the press or any other organization indicating that this organization is a C Corporation and ran as a “franchise” type of organization in any conspicuous manner.  This constitutes a “deceptive business practice.”

FAIL:   The BBB often fails to do a “background check” on businesses prior to giving that business “BBB Membership Acceditation” after payment is received.

FAIL:   The BBB often engages in a civil conspiracy and by issuing bogus “BBB Warnings” against businesses as petty vendetta policy against businesses who expose the BBB for its corrupt practices or files a formal complaint against businesses who have lodged a complaint against the BBB.

FAIL:   The BBB often fails to do a “background check” on businesses prior to giving that business “BBB Membership Acceditation.”

FAIL:   The BBB grading system is so faulty, that most American consumers cannot trust the rating.  This is due to the BBB conducting its “Pay to Play Scam” whereby American Businesses must pay to get a higher grade.  This “selling of grades” and “failure to execute due diligence” with regard to companies obtaining the phony “BBB Membership Accreditation” undermines the accuracy of those grades and consumer confidence in the BBB’s ability to truthfully rate a business based on other more important factors such as: time in business; time at the same address; website and sales literature content; etc.

FAIL:   The BBB fraudulently (in order to mislead the public) lists themselves in various phone books as a “Government Agency” when, in fact, this is a complete fraudulent misconception of that fact.

FAIL:   The BBB collects moneys directly from businesses by “selling/ramming” the phony “BBB Member Accreditation” and yet masquerades as a consumer protection agency.  This represents a clear and present “conflict of interest.”

FAIL:   The BBB fails to do the “right thing” by rescinding their faulty and extortionist “grading system.”

FAIL:   The BBB separate offices do not have a clear or coherent system, mathematical algorithm or homogenious method to produce grades for companies whether or not the companies themselves are members or not.

FAIL:   The BBB does not have (to our knowledge or understanding) any coherent policy on dealing with complaints about or concerning the BBB itself.

FAIL:   The BBB does not have (to our knowledge or understanding) any coherent policy on how staff solicits or collects money or if they adhere to the “DO NOT CALL LIST.”

FAIL:   The BBB does not have (to our knowledge or understanding) any coherent policy on how the bureau dealing with complaints from consumers.

FAIL:   The BBB is not a member of its own bureau.

FAIL:   The BBB does not have any system for verifying consumer complaints or if the complainant paid for a product or service or if the complaint was of a frivolous nature.  All incoming complaints are posted regardless of the source or with regard to any type of verification or assessment – especially with regard to any given business PRIOR to posting the complaint on their website.  Such a “fair system” needs to be established to make sure that such a website posting is fair and honest to both the business owner and/or consumer.

FAIL:   The BBB often (and many times out of malicious intent) fails to correctly categorize businesses and/or the complaints submitted.  If consumers file a complaint filed against a subsidiary’s parent company, the BBB may also apply those complaints to the subsidiary itself without regard to that subsidiary’s type of products or services being offered – even if the business is no longer engaged in a particular line of business.

Auditor’s Final Comments:

 It is a sad day in America when an organization such as the Better Business Bureau engages in such unconscionable, unethical and immoral conduct by holding ransom – every single day – the reputations of hard working business owners.

It is my personal belief that a “FFF” grade given to the BBB, for the purposes of this audit, is too kind and generous an action.  In fact, I suggest that the BBB be criminally prosecuted to the fullest extent of the law for engaging in extortion and using its grading system as a powerful and COMPLETELY PERVERTED weapon against honest businesses that the BBB completely dislikes.

Finally, the BBB completely and utterly has failed this audit and their officials need to be held accountable for engaging in such mass corruption on a scale never before witnessed by a “consumer advocate agency” in American History.

A Formal Warning Against the Better Business Bureau (BBB) For Corruption & Bad Business Ethics

Michael Hathman Formally Issues A Formal Warning Against the Better Business Bureau (BBB) For Corruption & Bad Business Ethics

The BBB Is Engaged In Extortionist & Retribution Activities Regarding Its Grading System

                                                                                                           

                                                                                                   

     SAINT LOUIS, MO – Michael Hathman of Smart Solutions Financial Services and Eagle Audit Services is now issuing a CONCERNED CITIZEN WARNING against the Better Business Bureau (BBB) for breach of ethics violations. 

     This organization has long been thought of as a “consumer protection agency.”  It seems that the BBB, who is engaged in giving out grades to local businesses, is getting a failing grade of its own in the local business community.

     Why?  The BBB seems to be engaged in the extorting money from local business owners who pay to have the BBB “rubber stamp” their organizations.  Additionally, by becoming an accredited member of the BBB, businesses can readily raise their letter grades in exchange for BBB Accreditation. 

     ABC’s 20/20 Program ran a special on BBB corruption just recently regarding the BBB letter grading system and the use of that letter grading system as a method of retribution against companies who make complaints against the BBB to governmental authorities.  This was the case of Smart Solutions and Eagle Audit Services.  The company paid the BBB – not once, but twice – for BBB accreditation and neither received the accreditation or a refund.  So, Michael Hathman filed a complaint with the Missouri Attorney General’s Office complaining that he wanted either a refund or accreditation.  To date, the BBB has not given Smart Solutions a refund or accreditation.  Michael Hathman maintains that the BBB ripped off his company.

     Smart Solutions had created a consumer protection company to help consumers fight foreclosure and mortgage fraud called Eagle Audit Services.  As retribution for the complaints filed against the BBB with the Missouri Attorney General’s Office, the BBB gave Eagle Audit Services, which had no complaints an “F” rating and placed all of the parent company’s complaints under Eagle Audit Services.  Michael Hathman maintains that the BBB Grading system is a scam and a sham meant to extort the hard earned money of business owners all across the United States.

     Apparently, the BBB has been in trouble with the Delaware Attorney General’s Office over the grading and retribution fiasco once before and the BBB actually went on the air to “apologize” to the general public concerning its grading system. 

     Michael Hathman is currently organizing a nationwide business boycott of the Better Business Bureau.  Mr. Hathman says that it his version of the OCCUPY protest for businesses who are standing up against corrupt organizations who are bent on making honest people miserable.

     It is a very sad tragedy that businesses now have to pay good money to protect its reputation against such a sham grading system and to an organization that acts in sheer retribution if they simply don’t like the business owner.

Here are the video links to those stories that very clearly indicates the BBB’s BAD BUSINESS BASICS:

(1)       http://www.ripoffreport.com/bbb-better-business-bureau/better-business-bure/better-business-bureau-bbb-co-46g94.htm

(2)       http://www.youtube.com/watch?feature=player_detailpage&v=UT_BfidEBdM

(3)       http://www.youtube.com/watch?feature=player_detailpage&v=0w6Oick8x48

(4)       http://www.youtube.com/watch?feature=player_detailpage&v=lR38Qj5NLA8

(5)       http://www.youtube.com/watch?feature=player_detailpage&v=koIlecdtjcM

(6)       http://www.youtube.com/watch?feature=player_detailpage&v=GN4MKqDXGmY

(7)       http://www.youtube.com/watch?feature=player_detailpage&v=vgXLc1cGhGU

(8)       http://www.youtube.com/watch?feature=player_detailpage&v=EKEMDzma1b4

For additional information, please contact:

Michael Hathman

Forensic Loan Auditor

Eagle Audit Services

636-699-5168 – please leave a message if you do not get an answer.

SHOCKING NEWS: Eagle Audit Services Uncovers Disturbing Lender Violations

By Michael Hathman
Chief Compliance Auditor for Eagle Audit Services

MARYLAND HEIGHTS, MO - After reviewing several files, I have found some amazing information that is as shocking as it is disturbing.  Sure, a lot of people talk about mortgage fraud.  Examples have been uncovered in the news concerning forged documents fabricated by companies such as DOCS in the recent Robo Signing Scandal that just recently took place.

Unfortunately, the fraud and the crookedness of the mortgage industry runs very, very deep indeed.

While reviewing my clients mortgage docs, I have found the following violations that mortgage lenders had committed as unconscionable and terribly ethically corrupt:

- Clients were promised a certain interest rate much of the time at the beginning of the application loan process.  However, the rate went up at the closing table.

- Many times, the closing agent would give clients a copy of documents that were not executed and did not have client signatures on them (including, but not limited to): the Deed of Trust, the Note, the Good Faith Estimates (GFE), Truth in Lending Act ("TILA") Disclousure.

- At times, I've ran across clients who did not understand what type of mortgage documents that they were signing.  One gentleman, who was a pastor at a local church, 85 years old, signed a mortgage he could not have possibly afforded which was an Adjustable Rate Mortgage (ARM) and the broker said that it was a fixed mortgage and implied that it was "permanently fixed" and just go ahead and sign the documents.  The ARM adjusted and the family was struggling to make the houose payments.  They will be filing a Mortgage Fraud Affidavit with the lender (with the aid of my firm) to remedy this problem.

- Many disclosures are not made to borrowers as they should be (including, but not limited to): Itemizations of Amounts Financed; the Hazard Insurance Disclosure; Escrow Disclosure; Servicing & Transfer Disclosure; Note to be Sold at a Profit Disclosure; Affiliated Business Disclosure; Equal Credit Opportunity ("ECOA") Act & Home Mortgage Disclosure Act ("HMDA") Disclosures ; Privacy Disclosure - (which may be either the Lender's Privacy Policy or the Gramm Leach Bliley ("GLB") Disclosure; Fair and Accurate Credit Transactions Act ("FACTA") Disclosure; Patriot Act Disclosure; Fair Credit Reporting Act ("FCRA") Disclosure and Negative Credit Reporting or Adverse Action Impact; Application Fee Disclosure; (If Refinancing): Homeowners Equity Protection Act ("HOEPA") Disclosure that advises clients about equity stripping; IRS Income Discrepancy Reporting Disclosure; Handbook on Adjustable Rate Mortgages (ARMs) should be given to borrowers and a borrower's signed delivery receipt should be made in the file - which, so far, 100% of the time doesn't happen; HUD Booklet on Home Buying and Settlement Costs - with a delivery receipt made as part of the file); Pamphlet on What You Should Know About A Home Equity Line of Credit - with a delivery receipt made as part of the file); (If Refinancing): 3 Day Right of Recission Disclosure,

The worst part about many of predatory loans generated in the 2000 - 2008 time frame were not properly underwritten as well.  I have had responses from banks with regard to the Qualified Written Requests (QWRs) that I have sent out that much of the disclosure and underwriting documenation was either completely missing from my client's files or simply never executed.  Many of these loans should have had: copies of Federal & State Tax Returns; Verifications of Deposits (VODs); Copies of Paystubs; Verifications of Employment (VOEs) and/or a Transmittal Summary (Form 1008) showing the "affordability reasoning" behind extending credit to borrowers.  None of these things (in many cases) were not in the file either because of the any of the following reasons: (1) Documents were never executed; (2) Documents were lost by the Lender; (3) Documents were lost by the borrower (which most of my clients had "everything" (I use this word very loosely) given to them by the loan officer and at the closing table.

Furthermore, with regard to clients who bought investment properties, the following documents were also missing from the client files: the Transmittal Summary (Form 1008); copies of leases which were enforce at the time purchase or refinance - along with the renter's application for renting; copies of renter drivers licenses to accompany the leases to verify that both the leases and the renters weren't "fictitious characters" along with paystubs, VOEs, VODs, tax returns, etc.

Much of the fraud during this time of loose and reckless lending had a lot of motivating factors: the loan officer's commissions, management decisions to lower standards in lending and banks wanting to cash in on multiple refinancing (engaging in equity stripping) and gouging borrowers with very high (and in some cases) shockingly high interest rates.

Corrupt Appraisers were also a large part of the general problem as well.  Banks would hire their own appraisers who would inflate the values of the houses that they were appraising - not just to make the real estate agents and sellers who were involved more money, but so that the bank could fraudulently lend more money at very high interest rates and profit even more.  While I know that there are many honest sellers, agents and appraisers who worked during this time, there were also a tremendous number of fraudsters working also.

Fair Dealing was needed in the majority of these transactions.  The borrower should have been advised as to costs, options, comfort, financing and all of the other things that accompany mortgage loan origination.  Many times, the borrowers weren't given enough information (either by operation of neglect, forgetfulness or even fraudulent omission of the fraudulent concealment of facts). 

Another issue is: Stated Income Loans.  These are fine products that are great for persons who are self-employed or who own their own businesses.  The caution here is that if a bank is going to sell these types of loans, that's great - but the underwriting needs to be solid.  This kind of loan is inappropriate for persons who are employed as a W-2 employee.  The loan should mostly be backed up by a few things: VODs, Bank Statements and (if applicable): financial statements certified by a certified public accountant (CPA).  Furthermore, if the self-employed person is a landlord, then leases and leasing applictions need to be examined as well as renter verification by copies of driver's licenses.

It is my hope that my company will be able to assist more clients out of this terrible mortgage mess.  It's been nearly 5 years since the banking and credit collapse of 2007.  We are still in a significant recession.  God help us that it ends soon and we can find our way to back to prosperity and that some sort of justice will find its way back to the frauds that perpetrated this financial quagmire.  I am certain that in the end, justice and prosperity will again prevail.

Now Hiring Realtors, Loan Officers!

I appreciate your time in reading this message.  I am seeking a recruitment manager to hire and train 40 people for my firm and am mostly interested in professionals who have either a lending and/or real estate background.  You meet this set of standards.  I felt that perhaps you (or someone you may know) may have an interest in the career opportunity I have available – both on a full and part-time basis.  Of course, the first people I hire would be in management and doing sales.  Your duties would include acting as a recruitment manager and also, we will be providing leads to both you and your team on a regular basis (at no cost to any of our staffers).

For your convenience, I will follow up and provide you with the additional paperwork you will need to hire on and use for training and HR Management.  The only thing I ask is that the people you hire be ethical, competent and professional.  I will require a police report.  I will also follow up with a phone call you after I send you this message (most likely within a day or so).  Eagle Audit Services is the company you will be representing.  Since you will be in management, please complete the Commission MGMT Version.  You will be on the manager's commission rate of 30% and your team will be at 20%.  Your override will be 10%.  Additionally, our sales average about $3,500 per sale (payments are acceptable).  Normally, we use the higher price of $5,000 but deduct $500 for each referral ($1,000 because we normally ask for 2 referrals @ $500 each) and another $500 discount if the client pays our fee in full - hence, $5,000 - $1,500 = $3,500.  Furthermore, if you hire only 10 people on your team and they all produce only 2 sales per week (which is low) that would be a total of 20 sales.  Your override would be $7,000 for the week.  I don't think that is pie-in-the-sky but really quite practical numbers.  I have attached some general information for your perusal.

Just an FYI: I am the Chief Compliance Officer and I am responsible for all loan auditing and do much of the hiring for our firm.  Actually, I hold licensure as a Missouri Real Estate Broker and have spent years in the mortgage lending business.  Additionally, I constantly study law (as well as the laws affecting the mortgage industry) and compliance auditing as well.  We are currently partnered with Redler & Associates Law Firm (he's a great guy and my personal attorney).  Most of the changing laws are posted on my website with other great info: www.EagleAuditServices.webs.com and I send out any special notices regarding compliance - both company and Federal and State as needed or required.

Please call me after you get this message and the attached docs and let me know what your interest level may be.  Again, thanks for your time and consideration in reading this message.

Sincerely,

Michael Hathman

Chief Compliance Officer

Eagle Audit Services

314-255-2207 - Michael's Office

636-533-4070 - Main Office

www.EagleAuditServices.webs.com

mhathman@gmail.com

Video Links:

60 Minutes with Scott Pelley: http://www.youtube.com/watch?v=QojNUjP3wxQ&feature=player_detailpage

CNN: http://www.youtube.com/watch?v=YUZdANb6UaY&feature=player_detailpage

ConsumerWarningNetwork.com: http://www.youtube.com/watch?v=vxyRFSYe7ws&feature=player_detailpage

Foreclosure Snapshot: More Foreclosures Coming; Fannie Mae in Hot Water

As August reaches its midway point, the foreclosure market continues, and investors, homebuyers, and sellers alike are all wondering what will happen next and where we will go from
Continue Reading: Foreclosure Snapshot: More Foreclosures Coming; Fannie Mae in Hot Water

Read more: Foreclosure News - Foreclosure Articles Updated Daily! http://www.eforeclosuremagazine.com/#ixzz1Yu0EW3Qt

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

Bank of America Making Real Estate News Today

Bank of America – the largest bank in the country by assets – has repeatedly made headlines over the past year due to the incredible number of foreclosures and other distressed properties it has on its books, the robo-signing scandal, and other dubious
Continue Reading: Bank of America Making Real Estate News Today

Read more: Foreclosure News - Foreclosure Articles Updated Daily! http://www.eforeclosuremagazine.com/#ixzz1YtzxrjDG

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

Bugs, Bulldozers, and Banknotes: The Foreclosure Crisis Continues

Investors and homebuyers looking for great buying opportunities and the once-in-a-lifetime chances to buy terrific properties at significant discounts have been reveling in the market over the past few years as a record number of foreclosures have entered the market and lingered, supported by a growing backlog of foreclosed homes all across the
Continue Reading: Bugs, Bulldozers, and Banknotes: The Foreclosure Crisis Continues

Read more: Foreclosure News - Foreclosure Articles Updated Daily! http://www.eforeclosuremagazine.com/#ixzz1YtzUKEIh

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

Governments Propose New Deal to Banks; Banks Balk for Now

And so the world continues to turn – unless you’re in the mortgage scandal settlement
Continue Reading: Governments Propose New Deal to Banks; Banks Balk for Now

Read more: Foreclosure News - Foreclosure Articles Updated Daily! http://www.eforeclosuremagazine.com/#ixzz1YtuKvGNR

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

Foreclosure Trends: Where the Markets are Up, Down and Everything In Between

As the middle of September draws near, the housing market in general continues to trudge along, not looking at the typically-down months of winter ahead. In some places, the market is actually improving (believe it or not); in many others, the market continues to slide into
Continue Reading: Foreclosure Trends: Where the Markets are Up, Down, and Everything In Between

Read more: Foreclosure News - Foreclosure Articles Updated Daily! http://www.eforeclosuremagazine.com/#ixzz1Ytu6NUBe

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

More Foreclosures on the Way With More Default Notices Filed

The number of foreclosures in the United States is set to grow throughout the rest of the year and into 2012 as the number of notices of default filed increased in
Continue Reading: More Foreclosures on the Way With More Default Notices Filed

Read more: Foreclosure News - Foreclosure Articles Updated Daily! http://www.eforeclosuremagazine.com/#ixzz1YttRZoox

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

Foreclosure & Fraudclosure!

The American Dream is represented in large part by homeownership.  Of course, this has been a big dream for most families all over the nation.  However, this dream is being attacked by persons who believe that the almighty dollar is more important than any set of ethics, care, due diligence, loyalty or morality.  To make matters worse, a soured economy (largely caused by massive fraud on a scale never seen by our country) has added insult to injury.

These CORRUPT people are all those individuals that acted in care of making a great income at the expense of doing "the right thing" all the time.  This includes lenders who have engaged in wreckless, fraudulent lending, crooked brokers, greedy bankers and their attorneys, corrupt appraisers and real estate professionals who have completely set aside ethics in trade of monetary compensation.

I am extremely proud of the fact that my company, Eagle Audit Services, can be an organization offering forensic audit services to put an end to this fiasco and restore some sort of justice for all those persons who are suffering and at risk of losing their homes.  Additionally, I am proud to be apart of a movement that can also help debt-burdened families reduce their debt to manageable levels.

I am reposting the following blog in the interests of those borrowers who have been damaged by these developments from the following page:
http://freeforeclosurelawyer.com/foreclosure-victims-blog/2011/02/12/list-of-foreclosure-law-firms-linked-to-robo-signing/ 

February 12, 2011

List of Foreclosure Law Firms Linked to Robo-Signing

Filed under: Uncategorized — fvbadmin @ 2:57 pm

If your foreclosure involves a law firm whose name is on the list below,  then there is a good chance that many fraudulent practices were employed. Thanks to the NATIONAL WAMU HOMEOWNERS SUPPORT GROUP for the tireless efforts to help foreclosure victims prevent the big banks from stealing their homes.

The attorneys on the list that follows were doing business with now-notorious fraudulent, robo-signing affidavit mill Lender Processing Services (f/k/a as Fidelity National Foreclosure Solutions and several other names) out of Mendota Heights, MN and Jacksonville, FL, during the fall of ‘06 and fall of ‘07.
It is reasonable to imagine that, if the WAMU attorneys were using a firm that celebrated its robo-signing procedures and practices to the extent that they actually published an article detailing the process, there is a good chance that many of their foreclosure filings are rife with fraud.  Not only is it reasonable to imagine fraud, it’s also reasonable to believe that the attorneys involved knew exactly what they were doing.
So, cast your eyes over this list.  If the firm representing WAMU/Chase in your foreclosure case is on it, then start to dig.  Google the attorneys and all the names on all the affidavits and other documents and see if these people are on any known robo-signing lists or have been fined and sanctioned by any courts for various frauds.   Dory Goebel, the robo-signer in my case, is in trouble for affidavit fraud all over the country!

If you are in Florida and the opposing firm was/is Shapiro & Fishman, I have a personal interest in that firm and I’d like to ask you to contact me.

Everyone in each state needs to get together & compare notes about the attorneys in their cases.  Everyone needs to compare notes, compare signatures, and compare litigation, because so much of what was filed against us is simply boilerplate.  You folks in Georgia, know that McCalla, Raymer is part of the Long v. WAMU/Chase class action lawsuit filed late last year in Fulton County Superior Court.  (I mention that because you’ve got your conference call tomorrow.)

If there’s fraud in your case, let me encourage everyone to file a complaint against the attorney involved with your state Bar.  The Florida Bar has opined that attorneys have an AFFIRMATIVE OBLIGATION to tell the court about any fraud on the court, whether pre- or post-judgment.  This is tremendously interesting, because it looks like many attorneys were in cahoots (a legal term) with the robo-signers.  Lord knows where this well lead! (Or where it will end!)

Let me encourage all members to organize a statewide conference call to discuss this and other matters.
Finally, this list arises from just three of the dozens of issues of LPS’s newsletter, the Summit.  Obviously, it would be helpful for us to find more issues, because this isn’t all the foreclosure mills, not by a long shot.  All these law firms got copies of each issue, month after month, year after year, as did new subscribers to LPS’s services and firms that they were targeting as potential customers.  The smart people have already burned what they have, but who said we were up against people who were particularly smart?  Let’s find more copies!!

I have already furnished copies to state AGs in FL and MN; I’d like to ask all the state leaders to get in touch with me, let me give you the three copies I have, and then you furnish them to your state AGs, so as to assist in their investigations.  You should read the part about the kickbacks… !!!
Go get ‘em.  The tide is turning.

Liz in Sarasota

FORECLOSURE MILLS, STATE-BY-STATE.

If your bank is represented by any of the following attorneys, or by a firm using the services of Lender Processing Services, Fidelity National Foreclosure Solutions, DocX, there is an excellent chance you have fraudulent affidavits.  LPS (formerly FNFS and affiliated w/ DocX) is a notorious foreclosure affidavit mill out of Mendota Heights, MN and Jacksonville, FL.  Tell your attorney to find back issues of their newsletter, The Summit, for a play-by-play description of robo-signing.  Tell your attorney to find Max Gardner’s Top 200 Signs you have a false document. This is just a list of the firms who got awards or special recognition in the three back issues (Sept. ’06, Oct. and Dec. ’07)  of the Summit I’ve been able to find; not a comprehensive list by any stretch, because not all firms got an award, and I only have three issues of the thirty or forty that were published.

No state:
Homecomings Foreclosure (GMAC?)

AK
Alaska Trustee, LLC
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
Regional Trustee Services

AL
SIROTE & PERMUTT, P.C.
AL, MS Dumas and McPhail, L.L.C.
Shapiro & Pickett, LLP
Scott J. Humphrey
Albertelli Law


AR
Mickel Law Firm, PA * major award Oct’ 07
Robert S. Coleman, Jr., P.A.
Wilson & Associates, PLLC (article Oct. ’07)
Dyke, Henry, Goldsholl
Baxter and Schwartz PC

AZ
Malcolm & Cisneros
Tiffany & Bosco
Statewide Foreclosure Services
Folks & O’Connor, PLLC
AZ/NV/OR/UT/WA Law Offices of Les Zieve


CA
Old Republic Default Management Services
Solomon Grindle Silverman & Spinella
Malcolm & Cisneros
Curtis Law Group
Housekey
Quality Loan Service Corp
OPTION ONE (I think CA, see 12/07)
Fremont Investment and Loan Management
Aztec Foreclosure Corp
Old Republic Default Management Services

CO
Aronowitz & Ford, LLP
Robert J. Hopp & Associates, LLC
Edwards & Taylor, LLC
Frascona, Joiner, Goodman and Greenstein
Janeway Law Firm, PC
Moss Codilis
Castle, Meinhold & Stawiarski
Hellerstine & Shore

CT
Reiner, Reiner & Bendett (photos 12/07)
HUNT LIEBERT (now … Jacobson) * photos Oct. ‘06
CT/DC/MD/VA  McCabe, Weisberg and Conway
Law Office of Martha Croog

DC
Rosenberg & Associates, LLC
MD/DC/VA Bierman, Geesing & Ward, LLC
CT/DC/ McCabe, Weisberg and Conway
MD/VA
DC/VA Curran & O’Sullivan, PC


DE
Draper & Goldberg
Whittington & Aulgur
Young Conaway Stargatt & Taylor

FL
HOLLAND & KNIGHT
Jonathan Kilne, PA
FL/PA Joseph H Ganguzza & Associates
David J. Stern, PA
Marshall C. Watson
Gary I. Gassel, PA
Law Offices of Daniel C. Consuegra
Ben Ezra Law Firm
Phillips, Flynn, Dareneau
Shapiro & Fishman
Smith, Hiatt & Diaz
Albertelli & Halsema
Enrico Gonzales
Popkin & Rosaler

GA:
Morris, Schneider & Prior
Ellis, Painter, Ratterree & Adams
McCalla, Raymer, Padrick, Cobb, Nichols & Clark
Shapiro & Swertfeger (photos Oct. ’06)
McCurdy & Candler, L.L.C.
Stites & Harbison
Richard B. Maner
Stephen J. Knezo
Albertelli & Halsema, PL
Flanagan & Ireland
Moore & Associates
Shuping, Morse & Ross
MORRIS, SCHNEIDER, PRIOR, JOHNSON & FREEDMAN, LLC (wrote article 12/07)

HI
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
Pite, Duncan & Melmet

IA
Belin, Harris, Lamson & McCormic
Dunakey & Klatt
Petosa, Petosa & Boecker

ID
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
McCarthy & Holthus
Regional Trustee Services
Alliance Default Services

IL
Kluever and Platt
Dutton & Dutton
Jaros, Tittle & O’Toole
IL/MI/OH/PA Weltman, Weinberg and Reis
Codilis & Associates * major award ‘07
Wirbicki Law Group
Heavner, Scott, Beyers & Mihlar
Kluever and Platt
Fisher & Shapiro
Freedman, Anselmo, Lindberg & Rappe

“I received yesterday the letter and check regarding the Bankruptcy Incentive Award.
I am very proud of the work that my staff has done to get to this point. We are
striving to be in the top 10 nationwide. I fully understand that you do not need to
give out the incentive awards. I am very appreciated of this and in my way have
tried to use your incentive to create an incentive for my staff. We are going to use
the check to create a “lunch” fund to buy bagels, pizza and other foods.”
- Steven C. Lindberg, FREEDMAN, ANSELMO, LINDBERG & RAPPE  October ‘06

IN
Bleecker Brodey and Andrews
KY/IN/OH Reisenfeld & Associates
Nelson & Frankenberger
Feiwell & Hannoy
Foutty & Foutty
Doyle and Friedmeyer

KS
Kozeny & McCubbin
Martin, Leigh, Laws & Fritzlen
Shapiro & Mock
Shapiro & Reid
South & Associates
Gallas & Schultz

KY
KY/IN Reisenfeld & Associates
Manley Deas Kochalski, LLC
Reynolds & Thompson, LLP
Nielson & Sherry
Lerner, Sampson & Rothfuss
Clunk, Paisley and Assoc., PSC
Mapother & Mapother

LA
The Boles Law Firm
Foreclosure Law Firm, LLC
Shapiro & Mentz
Dean Morris

MA
Korde & Associates
Ablitt & Charlton
DOONAN, GRAVES & LONGORIA
MA/NH/RI Orlans Moran PLLC

MD
The Fisher Law Group, PLLC
CT/DC/MD/VA McCabe, Weisberg and Conway
MD/DC/VA Bierman, Geesing & Ward, LLC
Friedman & MacFadyen, PA
Cohn, Goldberg & Deutsch
Shapiro & Burson
Rosenberg and Associates

ME
Shapiro & Morley, LLP

MI
Potestivo & Associates
Trott & Trott (also listed as MN)
IL/MI/OH/PA Weltman, Weinberg and Reis
Orlans Associates
Fabrizio & Brook
Peter, Schneiderman & Associates

MN
TROTT AND TROTT, P.C.
Usset & Weingarden, PLLP
Shapiro, Nordmeyer & Zielke, LLP. (wrote article December ’07)
Elizabeth Mason, PC
Murnane Brandt

MO
Codilis, Stawiarski & Moody
Martin, Leigh, Laws & Fritzlen
Kozeny & McCubbin
Millsap & Singer
Sandberg, Phoenix and Von Gontart
South & Associates

MS
Adams & Edens PA
Shapiro & Massey
Dyke, Henry, Goldsholl
AL, MS Dumas and McPhail, L.L.C.
Morris and Associates (a/k/a Morris Law Firm)
Morris, Schneider & Prior, LLC

MT
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
Just Law Office
Mackoff, Kellogg, Kirby & Klos

NC
Shapiro & Ingle
Morris, Schneider & Prior, LLC
Brock & Scott
Nodell, Glass & Haskell
Roberson, Haworth & Reese
Erwin, Simpson & Stroud

NE
Kozeny & McCubbin
Eric H. Linquist

NH
Harmon Law Offices, PC
Korde & Associates
Barron & Stadfeld, PC
Shechtman Halperin Savage, LLP
MA/NH/RI Orlans Moran PLLC
NH/VT Law Offices of Jonathan F. Weidman

NJ
Fein, Such, Kahn & Shepard
Zucker, Goldberg & Ackerman
Koury, Tighe, Lapres, Bisulca & Sommers
PLUESE, BECKER & SALTZMAN
McCabe Weisberg
NJ/PA Stern & Eisenberg, LLP
Parker McCay

NM
Little & Dranttel

NV
Malcolm & Cisneros
Aztec Foreclosure Corp
McCarthy & Holthus
National Default Servicing Corp.
AZ/NV/OR/UT/WA Law Offices of Les Zieve

NY
Jonathan D. Pincus
Shapiro & DiCaro
McCabe Weisberg
Rosicki, Rosicki & Associates
Ziccardi & Rella PC
Edward A/ Wiener, Esq.
Eschen, Frenkel & Weisman
Cohn & Roth
Steven J. Baum (in big trouble)
Berkman Henoch Peterson & Peddy, PC

OH
IL/MI/OH/PA Weltman, Weinberg and Reis
Shapiro & Felty
(Cuyahoga County) Manley Deas & Kochalski
KY/IN/OH Reisenfeld & Associates
LERNER, SAMPSON & ROTHFUSS
LAURITO & LAURITO
Luper, Neidenthal and Logan
Law Offices of John D. Clunk Co., LPA
Keith D. Wiener & Assoc.
Reimer, Lorber & Arnovitz Co.
Carlisle McNellie Law Firm
Gerner & Kearns Co., LPA

OK
BAER, TIMBERLAKE, COULSON & CATES (photos Oct. ’06)
Lamun, Mock, Cunnyngham & Davis
Shapiro & Cejda
Kivell, Rayment and Francis

OR
Shapiro & Sutherland, LLC * got major award in Dec. ‘07
OR/WA Bishop White & Marshal
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
Robinson Tait
Routh Crabtree Olsen
AZ/NV/OR/UT/WA Law Offices of Les Zieve

PA
Shapiro & Kreisman
FL/PA Joseph H Ganguzza & Associates
Goldbeck McCafferty & McKeever
McCabe Weisberg (McCabe, Weisberg, Conway)
Shaffer & Scerni
Udren Law Offices
Zucker, Goldberg, Ackerman
Martha Von Rosenstiel
IL/MI/OH/PA Weltman, Weinberg and Reis
NJ/PA Stern & Eisenberg, LLP
Law Offices of Barbara A. Fein

RI
Nicholas Barrett & Assoc.
MA/NH/RI Orlans Moran PLLC

SC
Finkel Law Firm, LLC
Roger, Townsend, and Thomas (is it “Rogers”?)
Weston Adams Law Firm
McDonald McKenzie
SC, TN Brock & Scott, PLLC
Fleming and Whitt, P.A.(formerly Pearce W. Fleming Law)
Riley Pope & Laney
Bolen Law Firm

SD
Mackoff, Kellogg, Kirby & Klos

TN
Shapiro & Kirsch* wrote article Oct. ’06, photos Oct. ‘06
Apperson, Crump, Duzane & Maxwell PLC
SC, TN Brock & Scott, PLLC
Richard B. Maner, PC
Rodgers, Hill and Kolarich (Price, Rodgers, Hill & Kolarich)
McCurdy & Candler
Wilson & Associates

TX
Winstead Sechrest & Minick P.C.
Hughes Watters Askanase (article 12/07)
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
Robertson & Anschutz, P.C.
Barrett Burke Wilson Castle Daffin & Frappier
Baxter & Schwartz
Brice, Vander Linden & Wernick
Brown & Shapiro
Codilis & Stawiarski
Mann & Stevens * wrote article October ‘06
Kelly Harvey
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
Hughes, Watters & Askanase

UT
SCALLEY READING BATES HANSEN & RASMUSSEN, P.C. (article 12/07)
CMS Legal Services
David B. Boyce
Scalley, Reading, Bates, Hansen & Rasmussen
AZ/NV/OR/UT/WA Law Offices of Les Zieve

VA
Shapiro & Burson
Friedman and MacFadyen
Sykes, Bourdon, Ahern & Levy
Bierman, Geesing & Ward
Samuel I. White P.C.
Specialized, Inc. of Virginia
Rosenberg & Associates, LLC
Glasser and Glasser, P.L.C.
MD/DC/VA Bierman, Geesing & Ward, LLC
CT/DC/ McCabe, Weisberg and Conway
MD/VA
DC/VA Curran & O’Sullivan, PC

VT
Lobe & Fortin
NH/VT Law Offices of Jonathan F. Weidman
Jeffery Kosterich & Associates, PC

WA
Robinson Tait
AK,HI,ID,MT,OR,WA,TX Malcolm Cisneros
AK,HI,ID,MT,OR,WA,TX Trustee Corps.
OR/WA Bishop White & Marshal
Meridian Trust Deed Service
Quality Loan Service Corp.
Routh Crabtree Olsen
Shapiro & Sutherland
AZ/NV/OR/UT/WA Law Offices of Les Zieve

WI
Vollmar and Huismann, S.C.
GRAY & ASSOCIATES
Gray & End (could be Gray & Assoc.)
Blommer Peterman

WV
Law Office of D. Kevin Moffatt
Daniel J. Mancini and Associates


WY
Castle, Meinhold & Stawiarski

Being in Florida and all, things are different.  It was very good to see the Florida Bar publish this piece about attorneys whose clients file fraudulent docs in court.  Attorneys are required to let the court know about fraudulent docs post-judgment.  This is an especially powerful tool to use against the attorneys who aided and abetted this huge, staggering fraud by the banks, and this article can be used as a road map to file a complaint in Florida, and the logic can be used in every state.
Check this out!

http://www.floridabar.org/DIVCOM/JN/jnnews01.nsf/Articles/2E96A4F33C299E0785257822004897E2

Use this list and write in, blog, comment, and complain everywhere.  Call your state’s Attorney General!  If they want copies of The Summit, please get in touch with me and I’ll email them to you.

If lawyers are going to restore any shred of the respect they feel they deserve, they’d sure as heck better start policing their own!  We’ve got an entire profession who is specially, rigorously, and expensively trained in the minutiae of right and wrong, and you’re telling me they didn’t know what was going on?  Baloney.  If you or me filed a fraudulent affidavit in court, what do you think would happen?  Man, they’d put us under the jail.  But when banks come in and their lawyers file phony affidavits by the truck load, does the sheer scale of the fraud make it OK?

Why has no one gone to jail yet?

[END OF REPOST]

I have been wondering the same thing.  Must we stand by, throw up our hands and say to ourselves this: "This fraudulent mess is SO BIG, and there are SO MANY BAD BUYS and PERPS, it's just too many people to bring to justice, sentence and jail!?!  Let's just move on to a better day." 

Justice is a choice.  You, the person reading this blog, need to choose and make a stand - even if you are vastly outnumbered by the bad guys.  Remember - there is "good" in this world - and it's something worth fighting for and keeping.  THE CHOICE IS YOURS.

In my opinion, a forensic loan audit is just one simple way of getting that justice for the innocent.

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.

Eagle Audit Services Tracking

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Eagle Audit Services

Eagle Audit Services has a new website at: http://www.eagleauditservices.webs.com/!  We are excited to be helping out American homeowners all around the country - whether they are facing foreclosure or not!  We can and do stop foreclosure actions on a regular basis!  Additionally, if you are a homeowner that is current on your home loan, you can still benefit from our Forensic Audit Services which may be able to help you get:
- A much LOWER home loan balance (erasing thousands of dollars of debt)!
- LOWER payments!
- A LOWER interest rate!

Michael Hathman

Chief Loan Compliance Officer

Eagle Audit Services

“Protecting the Borrowing Public”

636-533-4070 – Direct

888-605-5181 – Toll-Free

www.EagleAuditServices.webs.com

IMPORTANT NOTE: Our firm checks loans for violations.  If any regulations, rules, laws, statutes and fair business practices have been violated – which would place your loan in a “disputed status” - you can demand (and force) your lender back to the renegotiating table.  Our firm will demand that your lender rescind your old loan and renegotiate a new loan with a LOWER loan balance (possibly to as much as much as 50% of the balance owed of the previous loan), a lower interest rate, and lower payments.  If you are facing foreclosure, our firm will submit a Stop Order to your lender (due to the disputed nature of the debt) until new terms can be reached with regard to your disputed loan.