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report scam| Country | United States |
| State | California |
| City | Los Angeles |
| Address | 13101 Washington Blvd #444 |
| Phone | 1 888-758-2352 |
| Website | http://www.certifiedforensicloanauditors.com/ |
Certified Forensic Loan Auditors, LLC Reviews
CFLA ATTORNEY AND CFLA TESTIFYING EXPERT HELP CONSUMER QUIET TITLE TO REAL PROPERTY IN FLORIDA
Breaking News - What the Bank Does Not Want You to Know:
CONFIDENTIAL SETTLEMENT AFTER ORDER ON JUDGMENT in Florida - CFLA Client Gets Huge Damage Award against JPMCB and Wells Fargo for multiple fraudulent misrepresentations in loan documents and by lender[s] to homeowner[s]. The following is an exert from the Court's Order in Florida. This case has reached CONFIDENTIAL SETTLEMENT and therefore some information is redacted:
"Defendants JPMCB and Wells Fargo were involved in fraudulent recorded documents in violation of 15 USC §1611, and is entitled to damages for clouding title and to cure/Quiet Title. Plaintiffs are entitled to the relief requested herein to quiet title and for award of costs under FS §57.041"
Homeowner Quiets Title to Real Property in Florida Court and Liable for Damages for Fraudulently Recording Documents, Fraud, Misrepresentation - CFLA Expert Michael Carrigan
by CFLA Editor | February 19, 2019
For Immediate Release:
Plaintiffs have retained Expert Michael Carrigan of CFLA, who has reviewed all the transfers in this case, and has concluded that the Plaintiffs’ Note was transferred and securitized and shown therein via printout of Bloomberg Terminals that Principal is forgiven on page 23 of the CFLA Audit Report. Therefore, any and all assertions made by the Defendants as to ownership of the Plaintiffs’ loan are misrepresentations upon the Plaintiffs and the Court.
The material misrepresentations were made by the Defendants with the intent to cause the Plaintiffs to reasonably rely on the misrepresentations and collect payment on the Loan. These material misrepresentations were made for the purpose of acquiring a profit from payments made on the Note. Defendants were aware of the misrepresentations and profited from them.
Defendants are liable for malice, fraud, and/or oppression. Defendants’ actions were malicious and done willfully in conscious disregard of the rights and safety of the Plaintiffs in that the actions were calculated to injure the Plaintiffs.
With the intent to deceive, the Defendants have made false statements, false promises, misrepresentations and/or knowing omissions of material facts in connection with its efforts to obtain a mortgage foreclosure on the Plaintiffs’ property. These are including, but not limited to, the following: (a) Making false and fraudulent representations to Plaintiffs as to acquisition/assignment of the Note including the fact that the “Assignment of Mortgage” was prepared by law firm of XXXXXXX XXXXXXX XXXX, who was shutdown by the state of Florida for robosigning false documents; (b) Making false and fraudulent representations to Plaintiffs as to the ownership of the Note; (c) Engaging in fraudulent or deceiving practices in the process of selling and/or transferring the Note without the proper methodology for doing so; (e) Knowingly omitting that the Defendants do not own or otherwise hold the Note in question, and therefore was to be precluded from acquiring payments by the Plaintiffs on the Note; and (f) Making false and fraudulent representations as to the chain of title as it pertains to the ownership of the Mortgage and the Note.
Defendants JPMCB and Wells Fargo were involved in fraudulent recorded documents in violation of 15 USC §1611, and is entitled to damages for clouding title and to cure/Quiet Title. Plaintiffs are entitled to the relief requested herein to quiet title and for award of costs under FS §57.041
CFLA HAS AN A+++++ RATUING WITH THE BETTER BUSINESS BUREAU
Hello, you did a securitization audit for me in 2014. Guess what? Chase agreed to settle for 11k, which was only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again.
—David Schaar
I went to this seminar to help people in foreclosure save their homes. Google SECRITIZATION SCAMS.
Wasted my money and my time!
I paid $3,000 to attend the securitization audit seminar a few months ago and the person teaching the class was totally unprepared. Hesimply read from a book and you could not hear what he was saying. He had nooutline, no material to hand out and when it came time to take the test, and the material on the test was very little that he taught on. In fact I took the exam but was unable tocomplete of it. They told us that we would know at the end of the seminar if we passed or not. More than one month passed and I did not hear from anyone so I complained about the class and demanded my money back because I learned absolutely nothing and was unable to use any of the material that was given or taught during the seminar. It was a total waste of time AND LATER LEARNED THATMOST MORTGAGE SECURITIZATION AUDITS WERE SCAMS. I went to this seminar because I thought I could help the homeowner but later found out that this business simply bleeds the homeowner of needed funds, giving them false hope and they ultimately wind up losing their homes in foreclosure. I urge anyone that considers paying and attending this seminar to ask how many people actually go on and use this material successfully and make a business out of it and actually help the troubled homeowner save their home.
The material taught, in my opinion, at least in the seminar that I attended was not beneficial at all. It not only cost me transportation, a hotel and meals, and the time away from my job (a big loss and waste of time).
Do not fall for this seminar. GOOGLE SECURITIZATON AUDIT SCAMS. The following is the one of the first things you will find when searching Mortgage Securitization audit scams.
Masquerading under the impressive-sounding title of a "mortgage securitization audit," a new scam is bleeding financially-pressured homeowners out of their dwindling funds.
Sometimes simply called a "mortgage audit" or a "forensic document review," the service supposedly combs through all of the documents relating to a mortgage, looking for mistakes or even frauds in those documents.
The purported aim is either to help homeowners escape foreclosure or to strengthen their case for a loan
modification, which will ease their repayments. That sounds like a pretty good idea, except for two things:
Many so-called mortgage securitization companies actually do nothing at all but collect a couple thousand dollars from their victims.
Or maybe, they'll produce an impressive looking set of documents that are actually publicly available and have no legal value.
The Federal Trade Commission (FTC), the nation's consumer watchdog, has publicly denounced the use of mortgage audits, even if they're done properly and legally.
THIS IS A COMPLAINT RESOLVED BY CFLA IN 2011 - REPOSTED
THESE ARE ALL FAKE REVIEWS FROM 2011..... THEY KEEP REPOSTING THEM. LOOK AT THE DATES ALL THESE PEOPLE POSTED THESE REVIEWS ON THE SAME DAY???
FAKE REVIEWS
FAKE REVIEWS
FAKE REVIEW COPY AND PASTED ON MULTIPLE SITES TO EXTORT CFLA
MORTGAGE ATTACK ~ BOB HURT DOES NOT SAVE CONSUMERS ~ HE EXTORTS EXECUTIVES ~ by writing False and Defamatory Articles about CFLA, the Nation’s Leading Experts in Foreclosure Defense, in exchange for CASH $$$$$$$ EXTORTION..
See below correspondence copied from emails exchanged between CFLA CEO Andrew Lehman and Self Proclaimed Consumer Advocate Bob Hurt wherein Bob Hurt Offers to remove his disparaging articles about CFLA for a payment in the amount of $7,777.00
Do not trust Bob Hurt the fake Consumer Advocate, he belongs in jail as his extortionary tactics will surely be dealt with soon. By his own admission it is clear what Bob Hurt MORTGAGE ATTACK - http://MortgageAttack.com
BOB HURT, the Only Way to Beat the Banks!!!
See true and correct copies of BOB HURTS Extortionary emails below:
---------- Forwarded message ---------
From: Bob Hurt <[email protected]>
Date: Tue, May 21, 2019 at 3:06 PM
Subject: Re: CFLA PRELIMINARY RESPONSE TO TRADE LIBEL
To: CFLA Admin <[email protected]>
Make it $7,777 and you have a deal.
If you agree to that, I have a business suggestion for you that you might like.
Bob Hurt
On 5/16/19 11:07 PM, CFLA Admin wrote:
I will pay you $5,000.00 to read and understand the CFLA information above sufficient to give you a full understand of the falsity of that information you published, and thereafter you will take down all of the articles that you wrote about CFLA that are replete with false malicious and untruthful information categorizing CFLA as a SCAM, whereupon CFLA will provide you free sponsored advertising on our site, promote your blog materials on our site and social media, and we wont file a preliminary injunction and complaint for damages for trade liber slander and other torts in the Southern District of Texas with my staff Attorneys who otherwise have nothing better to do, serve you with request for disclosures, and multiple sets of discovery, including depositions, and take a judgment against you for statutory damages, actual damages, attorneys fees and costs...
Is that an agreement?
On Thu, May 16, 2019 at 8:52 PM Bob Hurt <[email protected]> wrote:
How much will you pay me to read and analyze the below self-promoting marketing material for CFLA?
On 2019-05-16 02:22, CFLA Admin wrote:
BACKGROUND ON CFLA OPERATIONS
CFLA operated, and maintains operation as a business-to-business provider of Securitization Audits and Litigation Support services directly to Attorneys and Mortgage professionals in the USA and other countries such as Ireland, the UK, South Africa, and Australia all of which having similar banking systems. As a business-to-business provider of these auditing services much of the changes and/or direction of the work product over the years were recommended at the suggestion of the Attorney Client. CFLA has produced documentation to the CFPB demonstrating more than 500 Licensed Attorneys and/or Law Firms that have been Clients of CFLA since 2010.
CFLA has been at the forefront for cutting edge innovation in the industry, as well as on the compliance side for the entire industry of forensic loan auditing and Bloomberg securitization audits, while providing training State Bar Approved Continuing Education Courses to Licensed Attorneys in California, Texas, Nevada, Hawaii, Illinois, New York, Florida, and other states, Mr. Lehman has overseen the training of more than 1,000 licensed attorneys and 5,000 cumulative trainees nationwide through his 24 hour training classes, 6 hour CLE seminars, and hosted more than 250 events hosted nationwide since 2010. Furthermore, CFLA has sold more than 10,000 of Mr. Lehman’s DVDs since 2009.
In or about 2009, CFLA began what is currently known as the Mortgage Securitization Analyst Training Class, which requires 3 full days of training 24 hours, as well as notarized and graded examinations, and strict adherence to the ethical requirements of a CFLA Auditor. Initially the Class was taught by Andrew Lehman, J.D., and Brendan McDonald, and Michael T. Pines, and then Time Or’eiley and Art Bernardo until Mr. Carrigan began teaching the class in or about 2013 alongside California Attorney Tim O’Reiley. In these classes CFLA distributes and requires consent to the.
[i] (a) MARS consumer guide for Businesses, and requires express agreements under the
(b) CFLA CODE OF ETHICS of a Mortgage Securitization Analyst
[ii] to guide them in ethical responsibilities as a Mortgage Securitization Analyst and mandate Compliance under the State & Federal Laws.
Moreover, CFLA has issued Press Releases to its Clients, Trainees, requiring strict adherence to the MARS Rule and Regulation O, even having to terminate several of its wholesale clients, and even a few employees, for not having strictly complied with the MARS Rule, Regulation O, and other requirements as a matter of Law.
It is CFLA’s hard stance in an otherwise unregulated Industry that has made for a better and safer place for the consumers who demand the cutting edge work product presently known as the Bloomberg Property Securitization Audit. CFLA prides itself as being on the forefront for compliance with its customers, trainees, and followers since its inception in or about 2009. Since 2009, CFLA has performed more than 10,000 Residential Forensic Loan Audits, trained more than 1,300 people in its Nationally Recognized Auditor Class.
CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.
CFLA.com conducts Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii with topics ranging from
(1) Securitization Audits in Bankruptcy Practice,
(2) Securitization Audits and Foreclosure Defense Strategies,
(3) Securitization Audits in Contract Law & UCC,
(4) Principal Reductions through Strategic Litigation,
(5) Mortgage Securitization in Litigation,
(6) Quiet Title Litigation,
(7) Unsecured Debt Transactions and the
(8) California Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Charles Christmas, Esq., Patricia Rodriguez, Esq; John Fretz, Esq; Chad Elrod, Esq., Jeff Jackson, Esq., Anthony Vigna, Esq., Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Timothy O’Reilly, Esq.; Amar Gupta, Esq. , Oliver Hull, Esq., Charles Powell, Esq., Noberto Reyes, Esq., Brendan McDonald, Esq., Joseph Huprich, Esq., Chris Mcglaughlin, Esq., Eric Hougen, Esq., and others.
Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,500 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL as well as online courses
II. CFLA CONSUMER RELATED INFORMATION
In or about December 2018, CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or FFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.[iii] The results of this FOIAR yielding great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 42 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against (one in 2010, 2016, and 2018). In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions with CFLA being represented in the complaint as assisting in the complaint process. Of the 3 complaints listed in the entire CFPB database regarding CFLA, 2 of them had already been refunded in their entirety, and only one consumer, a resident of the North Pole Alaska’s complaint still remained unresolved due to his difficulty traveling by sled to the CFLA Attorney Referral in Anchorage, AK.
Only 1 such consumer complaint existed since 2010 claiming “Fraud” which is the consumer from North Pole, AK. To give a fair ratio, CFLA produced more than 15,000 client files that it had completed for customers of CFLA since 2007. 3 of the consumer complaints against CFLA occurred during this time period referenced in the CID (e.g. 2014 – current). So given the 15,000 client files produced by CFLA during the period CFLA had a complaint ration of 1 in 5,000 customer which equates to a .000004%.
I. CFLA SELLS BLOOMBERG SECURITIZATION PROPERTY ANALYSIS REPORTS
As Business to Business providers of these auditing services CFLA provides the Bloomberg Securitization Audit Report with a Court Ready Expert Witness Affidavit from our Senior Auditor & Leading Expert, Michael Carrigan, in addition to
(1) Time Stamped Bloomberg Screenshots showing all the financial data of the trust including paid off, insurance, remics, loan forgiveness, loan mod info, re capitalization, etc,
(2) Copy of the Pooling & Servicing Agreement on the respective loan,
(3) Full Fraud & Robo Signing Analysis,
(4) Credit Default Swap Analysis,
(5) Full Chain of Title Analysis of Assignments & Transfers looking for
(a) defunct entity status,
(b) improper dates,
(c) improper signatures & endorsements,
(d) fraud,
(e) robosigning,
(6) Court Ready Expert Witness Affidavit Under Oath by Michael Carrigan attesting to the facts derived in the audit report.
Each CFLA Client executes an agreement that states the following, in pertinent part: (a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice, (b) CFLA Does NOT Provide Foreclosure Consulting Services, (c) CFLA Does NOT Offer or assist with any form of Loan Modification, (d) CFLA Is a Professional Auditing Company and Document Support Provider, € we do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services, (f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction, (g) that the use of the CFLA Legal Forms is not the substitute for the actual advice of an attorney, (h) finally that all work generated on behalf of CFLA for CLIENT shall be under the direct supervision of an Attorney Licensed in their Appropriate Jurisdiction [iv]
II. CFLA HAS AN EXCELLENT REPUTATION IN THE TRADE WITH CONSUMERS, CONSUMER REPORTING AGENCIES, CONSUMER TRADE SITES, AND OTHERWISE
CFLA has been registered with the Better Business Bureau and has maintained an A+ rating on its business since January of 2010. CFLA has had very few complaints and those complaints were responded to quickly, and resolved by CFLA. CFLA Has been cited by the BBB as (1) having very few complaints, (2) Transparent Business Practices, and (3) No known Advertising Issues. [v]
CFLA also maintains an AAA rating with the Business Consumer Alliance as having responded
(1) responded to consumer complaints promptly,
(2) resolving consumer complaints directly with clients fairly, and
(3) making appropriate representations online regarding the company.
[vii] Furthermore, as evidence by the FOIA Request Produced by the Bureau, CFLA Does Not facilitate very many consumer complaints having had only 3 consumer complaints in the 10 years of business reported to the CFPB and the FTC.
In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. 12 USC 5531 (2).
CLFA Never Engages in Any Contact with Consumer’s Servicer as such would violate State law, and CFLA Does Not Provide Services Directly to the Consumer without Representation (See CFLA Customer Agreement) . Furthermore,
(1) CFLA Does Not Practice law and
(2) CFLA Does Not perform any type of Loan Modification.
The Reason That CFLA Does Not Negotiate Directly with the Consumers Dwelling or Servicer is to avoid violating State Law Statutes Restricting the unlawful Practice of Law. This was the major consideration when CFLA formed it business back in 2007. CFLA Wanted to Avoid Breaking Laws and as a result it required all of its Clients to have representation, evinced by the customers executing a service agreement which stated CFLA’s Client Agreement States in Bold Inconspicuous Form as follows “CLIENT agrees and hereby covenants that all work generated on his behalf, or on behalf of his company, that is generated by CFLA or its members will be under the supervision of his/her attorney, licensed in the appropriate jurisdiction, The Bold Statements are intended to ensure that the Client Know up Front that CFLA is Not Performing a Mortgage Foreclosure Relief Service on their behalf.
Each CFLA Client executes an agreement that states the following, in pertinent part:
(a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice,
(b) CFLA Does NOT Provide Foreclosure Consulting Services,
(c) CFLA Does NOT Offer or assist with any form of Loan Modification,
(d) CFLA Is a Professional Auditing Company and Document Support Provider,
(e) We do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services,
(f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction,
[viii] The Intent of the Founders was for this policy to stay in place because it would prevent CFLA Customer Service from engaging in the Unlawful Practice of Law Under State Laws.
On Dec. 11, 2012, I was hired as the Office Manager for CFLA, LLC by Andrew P. Lehman who by telling me he was a licensed atty in C.A. Upon accepting the position, Andrew began in front of staff and office personnel almost daily. I was completely embarrassed and distressed with this situation. I went to Andrew P. Lehman, several times asking him to change this behavior due to the demonstrative effect on professional relations. He never changed behaviors, he only got Worse. Andrew P. Lehman several times; Andrew P. Lehman frequently and cups in the office and leaves it for me to dispose of. He made my work environment , ineffective, and non-productive. Andrew P. Lehman has taken malicious acts agaist me putting my very livelihood in jeopardy. After I advised him I was going to report the actions if he did not cease, he terminated my employment. I have suffered extreme mental anguish due to him constantly embarrassing me and on the job and now severe financial hardships. He has a history of this action with women, in particular his staff. He frequently uses in the office.
This was the Worst experience I have EVER had in a "professiona"l environment. I would advise ANY woman,
Andrew Lehmans Text Messages to Timesha Beattie These are the text messages I received from Andrew P. Lehman, and I have More! This is just some of the text messges. I have more!
Mon, Feb 4, 2013 at 2:42 PM2:42 PM
Message starred FROM [email protected] TO You [No Subject] Show Details [email protected] [email protected]
Show some respect This message was sent from a T-Mobile wireless phone.
I paid you, This message was sent from a T-Mobile wireless phone
Over and above your worth and received nothing.... It's whatever... Bring it and then you can go on doing what you do
This message was sent from a T-Mobile wireless phone.
FAKE REVIEW COPY AND PASTED ON MULTIPLE SITES TO EXTORT CFLA
MORTGAGE ATTACK ~ BOB HURT DOES NOT SAVE CONSUMERS ~ HE EXTORTS EXECUTIVES ~ by writing False and Defamatory Articles about CFLA, the Nation’s Leading Experts in Foreclosure Defense, in exchange for CASH $$$$$$$ EXTORTION..
See below correspondence copied from emails exchanged between CFLA CEO Andrew Lehman and Self Proclaimed Consumer Advocate Bob Hurt wherein Bob Hurt Offers to remove his disparaging articles about CFLA for a payment in the amount of $7,777.00
Do not trust Bob Hurt the fake Consumer Advocate, he belongs in jail as his extortionary tactics will surely be dealt with soon. By his own admission it is clear what Bob Hurt MORTGAGE ATTACK - http://MortgageAttack.com
BOB HURT, the Only Way to Beat the Banks!!!
See true and correct copies of BOB HURTS Extortionary emails below:
---------- Forwarded message ---------
From: Bob Hurt <[email protected]>
Date: Tue, May 21, 2019 at 3:06 PM
Subject: Re: CFLA PRELIMINARY RESPONSE TO TRADE LIBEL
To: CFLA Admin <[email protected]>
Make it $7,777 and you have a deal.
If you agree to that, I have a business suggestion for you that you might like.
Bob Hurt
On 5/16/19 11:07 PM, CFLA Admin wrote:
I will pay you $5,000.00 to read and understand the CFLA information above sufficient to give you a full understand of the falsity of that information you published, and thereafter you will take down all of the articles that you wrote about CFLA that are replete with false malicious and untruthful information categorizing CFLA as a SCAM, whereupon CFLA will provide you free sponsored advertising on our site, promote your blog materials on our site and social media, and we wont file a preliminary injunction and complaint for damages for trade liber slander and other torts in the Southern District of Texas with my staff Attorneys who otherwise have nothing better to do, serve you with request for disclosures, and multiple sets of discovery, including depositions, and take a judgment against you for statutory damages, actual damages, attorneys fees and costs...
Is that an agreement?
On Thu, May 16, 2019 at 8:52 PM Bob Hurt <[email protected]> wrote:
How much will you pay me to read and analyze the below self-promoting marketing material for CFLA?
On 2019-05-16 02:22, CFLA Admin wrote:
BACKGROUND ON CFLA OPERATIONS
CFLA operated, and maintains operation as a business-to-business provider of Securitization Audits and Litigation Support services directly to Attorneys and Mortgage professionals in the USA and other countries such as Ireland, the UK, South Africa, and Australia all of which having similar banking systems. As a business-to-business provider of these auditing services much of the changes and/or direction of the work product over the years were recommended at the suggestion of the Attorney Client. CFLA has produced documentation to the CFPB demonstrating more than 500 Licensed Attorneys and/or Law Firms that have been Clients of CFLA since 2010.
CFLA has been at the forefront for cutting edge innovation in the industry, as well as on the compliance side for the entire industry of forensic loan auditing and Bloomberg securitization audits, while providing training State Bar Approved Continuing Education Courses to Licensed Attorneys in California, Texas, Nevada, Hawaii, Illinois, New York, Florida, and other states, Mr. Lehman has overseen the training of more than 1,000 licensed attorneys and 5,000 cumulative trainees nationwide through his 24 hour training classes, 6 hour CLE seminars, and hosted more than 250 events hosted nationwide since 2010. Furthermore, CFLA has sold more than 10,000 of Mr. Lehman’s DVDs since 2009.
In or about 2009, CFLA began what is currently known as the Mortgage Securitization Analyst Training Class, which requires 3 full days of training 24 hours, as well as notarized and graded examinations, and strict adherence to the ethical requirements of a CFLA Auditor. Initially the Class was taught by Andrew Lehman, J.D., and Brendan McDonald, and Michael T. Pines, and then Time Or’eiley and Art Bernardo until Mr. Carrigan began teaching the class in or about 2013 alongside California Attorney Tim O’Reiley. In these classes CFLA distributes and requires consent to the.
[i] (a) MARS consumer guide for Businesses, and requires express agreements under the
(b) CFLA CODE OF ETHICS of a Mortgage Securitization Analyst
[ii] to guide them in ethical responsibilities as a Mortgage Securitization Analyst and mandate Compliance under the State & Federal Laws.
Moreover, CFLA has issued Press Releases to its Clients, Trainees, requiring strict adherence to the MARS Rule and Regulation O, even having to terminate several of its wholesale clients, and even a few employees, for not having strictly complied with the MARS Rule, Regulation O, and other requirements as a matter of Law.
It is CFLA’s hard stance in an otherwise unregulated Industry that has made for a better and safer place for the consumers who demand the cutting edge work product presently known as the Bloomberg Property Securitization Audit. CFLA prides itself as being on the forefront for compliance with its customers, trainees, and followers since its inception in or about 2009. Since 2009, CFLA has performed more than 10,000 Residential Forensic Loan Audits, trained more than 1,300 people in its Nationally Recognized Auditor Class.
CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.
CFLA.com conducts Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii with topics ranging from
(1) Securitization Audits in Bankruptcy Practice,
(2) Securitization Audits and Foreclosure Defense Strategies,
(3) Securitization Audits in Contract Law & UCC,
(4) Principal Reductions through Strategic Litigation,
(5) Mortgage Securitization in Litigation,
(6) Quiet Title Litigation,
(7) Unsecured Debt Transactions and the
(8) California Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Charles Christmas, Esq., Patricia Rodriguez, Esq; John Fretz, Esq; Chad Elrod, Esq., Jeff Jackson, Esq., Anthony Vigna, Esq., Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Timothy O’Reilly, Esq.; Amar Gupta, Esq. , Oliver Hull, Esq., Charles Powell, Esq., Noberto Reyes, Esq., Brendan McDonald, Esq., Joseph Huprich, Esq., Chris Mcglaughlin, Esq., Eric Hougen, Esq., and others.
Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,500 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL as well as online courses
II. CFLA CONSUMER RELATED INFORMATION
In or about December 2018, CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or FFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.[iii] The results of this FOIAR yielding great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 42 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against (one in 2010, 2016, and 2018). In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions with CFLA being represented in the complaint as assisting in the complaint process. Of the 3 complaints listed in the entire CFPB database regarding CFLA, 2 of them had already been refunded in their entirety, and only one consumer, a resident of the North Pole Alaska’s complaint still remained unresolved due to his difficulty traveling by sled to the CFLA Attorney Referral in Anchorage, AK.
Only 1 such consumer complaint existed since 2010 claiming “Fraud” which is the consumer from North Pole, AK. To give a fair ratio, CFLA produced more than 15,000 client files that it had completed for customers of CFLA since 2007. 3 of the consumer complaints against CFLA occurred during this time period referenced in the CID (e.g. 2014 – current). So given the 15,000 client files produced by CFLA during the period CFLA had a complaint ration of 1 in 5,000 customer which equates to a .000004%.
I. CFLA SELLS BLOOMBERG SECURITIZATION PROPERTY ANALYSIS REPORTS
As Business to Business providers of these auditing services CFLA provides the Bloomberg Securitization Audit Report with a Court Ready Expert Witness Affidavit from our Senior Auditor & Leading Expert, Michael Carrigan, in addition to
(1) Time Stamped Bloomberg Screenshots showing all the financial data of the trust including paid off, insurance, remics, loan forgiveness, loan mod info, re capitalization, etc,
(2) Copy of the Pooling & Servicing Agreement on the respective loan,
(3) Full Fraud & Robo Signing Analysis,
(4) Credit Default Swap Analysis,
(5) Full Chain of Title Analysis of Assignments & Transfers looking for
(a) defunct entity status,
(b) improper dates,
(c) improper signatures & endorsements,
(d) fraud,
(e) robosigning,
(6) Court Ready Expert Witness Affidavit Under Oath by Michael Carrigan attesting to the facts derived in the audit report.
Each CFLA Client executes an agreement that states the following, in pertinent part: (a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice, (b) CFLA Does NOT Provide Foreclosure Consulting Services, (c) CFLA Does NOT Offer or assist with any form of Loan Modification, (d) CFLA Is a Professional Auditing Company and Document Support Provider, € we do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services, (f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction, (g) that the use of the CFLA Legal Forms is not the substitute for the actual advice of an attorney, (h) finally that all work generated on behalf of CFLA for CLIENT shall be under the direct supervision of an Attorney Licensed in their Appropriate Jurisdiction [iv]
II. CFLA HAS AN EXCELLENT REPUTATION IN THE TRADE WITH CONSUMERS, CONSUMER REPORTING AGENCIES, CONSUMER TRADE SITES, AND OTHERWISE
CFLA has been registered with the Better Business Bureau and has maintained an A+ rating on its business since January of 2010. CFLA has had very few complaints and those complaints were responded to quickly, and resolved by CFLA. CFLA Has been cited by the BBB as (1) having very few complaints, (2) Transparent Business Practices, and (3) No known Advertising Issues. [v]
CFLA also maintains an AAA rating with the Business Consumer Alliance as having responded
(1) responded to consumer complaints promptly,
(2) resolving consumer complaints directly with clients fairly, and
(3) making appropriate representations online regarding the company.
[vii] Furthermore, as evidence by the FOIA Request Produced by the Bureau, CFLA Does Not facilitate very many consumer complaints having had only 3 consumer complaints in the 10 years of business reported to the CFPB and the FTC.
In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. 12 USC 5531 (2).
CLFA Never Engages in Any Contact with Consumer’s Servicer as such would violate State law, and CFLA Does Not Provide Services Directly to the Consumer without Representation (See CFLA Customer Agreement) . Furthermore,
(1) CFLA Does Not Practice law and
(2) CFLA Does Not perform any type of Loan Modification.
The Reason That CFLA Does Not Negotiate Directly with the Consumers Dwelling or Servicer is to avoid violating State Law Statutes Restricting the unlawful Practice of Law. This was the major consideration when CFLA formed it business back in 2007. CFLA Wanted to Avoid Breaking Laws and as a result it required all of its Clients to have representation, evinced by the customers executing a service agreement which stated CFLA’s Client Agreement States in Bold Inconspicuous Form as follows “CLIENT agrees and hereby covenants that all work generated on his behalf, or on behalf of his company, that is generated by CFLA or its members will be under the supervision of his/her attorney, licensed in the appropriate jurisdiction, The Bold Statements are intended to ensure that the Client Know up Front that CFLA is Not Performing a Mortgage Foreclosure Relief Service on their behalf.
Each CFLA Client executes an agreement that states the following, in pertinent part:
(a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice,
(b) CFLA Does NOT Provide Foreclosure Consulting Services,
(c) CFLA Does NOT Offer or assist with any form of Loan Modification,
(d) CFLA Is a Professional Auditing Company and Document Support Provider,
(e) We do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services,
(f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction,
[viii] The Intent of the Founders was for this policy to stay in place because it would prevent CFLA Customer Service from engaging in the Unlawful Practice of Law Under State Laws.
In addition to daily harassing phone calls if you don't take the course, the course itself is worthless to anyone who actually wants to help homeowners in foreclosure as opposed to those who only wish to sell more courses to more unsuspecting consumers.
Do not buy their course. It's a scam. Don't sell it either, you are being bought off. They told me the class was taught by attorneys. In fact, the only attorney that "teaches" is on Monday morning to give the "introduction and welcome" to the class.
They told me I would be able to negotiate a settlement easily as a non-attorney. I've discovered banks won't listen to anyone without a bar number. If you are not a licensed attorney, they will just put you in a holding pattern doomed for failure.
They told me I would be given work from their company. Instead they asked me to bring them clients and asked me to sign a "marriage document" of a non-compete.
They told me to read the testimonials from their former students. They didn't tell me that others had posted negative material they refused to post on their website, I had to learn that from calling their former students myself. They told me they were the only nationally certified school, but there is no such thing as national certification. The only certification I would get would be from another company they themselves had formed to certify their own courses.
Then I started asking around. They list all their "graduates" on their website, along with their "testimonials". I started to call them. I spoke with one who told me that NAMU.org was founded in January BY CFLA in order to "certify" their students so they could claim national certification by a non-profit company. He also said he was unimpressed with the calibur of their teaching, specifically stating the teachers were unable to calculate an APR rate. He said he allowed them to certify him on their website, because why not? He didn't ask for his money back because he figured he just got scammed and learned his lesson. He is based on Orlando. He struck a deal with them for 10K a month to teach their course for them. Which their
sales force will sell for him.
Andrew Lehman called anyone complaining with an offer of the same deal. He won't give a refund, it admits guilt. He offered clients to do his audits for him. I refused because his product isn't worth the paper it's written on as far as negotiations for the benefit of the homeowner are concerned. Mortgage evaluations must be done by an attorney and negotiated by an attorney in order to have any chance of success for the homeowner. Only an attorney doing the examination can comment competently on contract and tort law causes of action a homeowner may have against his or her lender.
FAKE REVIEW COPY AND PASTED ON MULTIPLE SITES TO EXTORT CFLA
MORTGAGE ATTACK ~ BOB HURT DOES NOT SAVE CONSUMERS ~ HE EXTORTS EXECUTIVES ~ by writing False and Defamatory Articles about CFLA, the Nation’s Leading Experts in Foreclosure Defense, in exchange for CASH $$$$$$$ EXTORTION..
See below correspondence copied from emails exchanged between CFLA CEO Andrew Lehman and Self Proclaimed Consumer Advocate Bob Hurt wherein Bob Hurt Offers to remove his disparaging articles about CFLA for a payment in the amount of $7,777.00
Do not trust Bob Hurt the fake Consumer Advocate, he belongs in jail as his extortionary tactics will surely be dealt with soon. By his own admission it is clear what Bob Hurt MORTGAGE ATTACK - http://MortgageAttack.com
BOB HURT, the Only Way to Beat the Banks!!!
See true and correct copies of BOB HURTS Extortionary emails below:
---------- Forwarded message ---------
From: Bob Hurt <[email protected]>
Date: Tue, May 21, 2019 at 3:06 PM
Subject: Re: CFLA PRELIMINARY RESPONSE TO TRADE LIBEL
To: CFLA Admin <[email protected]>
Make it $7,777 and you have a deal.
If you agree to that, I have a business suggestion for you that you might like.
Bob Hurt
On 5/16/19 11:07 PM, CFLA Admin wrote:
I will pay you $5,000.00 to read and understand the CFLA information above sufficient to give you a full understand of the falsity of that information you published, and thereafter you will take down all of the articles that you wrote about CFLA that are replete with false malicious and untruthful information categorizing CFLA as a SCAM, whereupon CFLA will provide you free sponsored advertising on our site, promote your blog materials on our site and social media, and we wont file a preliminary injunction and complaint for damages for trade liber slander and other torts in the Southern District of Texas with my staff Attorneys who otherwise have nothing better to do, serve you with request for disclosures, and multiple sets of discovery, including depositions, and take a judgment against you for statutory damages, actual damages, attorneys fees and costs...
Is that an agreement?
On Thu, May 16, 2019 at 8:52 PM Bob Hurt <[email protected]> wrote:
How much will you pay me to read and analyze the below self-promoting marketing material for CFLA?
On 2019-05-16 02:22, CFLA Admin wrote:
BACKGROUND ON CFLA OPERATIONS
CFLA operated, and maintains operation as a business-to-business provider of Securitization Audits and Litigation Support services directly to Attorneys and Mortgage professionals in the USA and other countries such as Ireland, the UK, South Africa, and Australia all of which having similar banking systems. As a business-to-business provider of these auditing services much of the changes and/or direction of the work product over the years were recommended at the suggestion of the Attorney Client. CFLA has produced documentation to the CFPB demonstrating more than 500 Licensed Attorneys and/or Law Firms that have been Clients of CFLA since 2010.
CFLA has been at the forefront for cutting edge innovation in the industry, as well as on the compliance side for the entire industry of forensic loan auditing and Bloomberg securitization audits, while providing training State Bar Approved Continuing Education Courses to Licensed Attorneys in California, Texas, Nevada, Hawaii, Illinois, New York, Florida, and other states, Mr. Lehman has overseen the training of more than 1,000 licensed attorneys and 5,000 cumulative trainees nationwide through his 24 hour training classes, 6 hour CLE seminars, and hosted more than 250 events hosted nationwide since 2010. Furthermore, CFLA has sold more than 10,000 of Mr. Lehman’s DVDs since 2009.
In or about 2009, CFLA began what is currently known as the Mortgage Securitization Analyst Training Class, which requires 3 full days of training 24 hours, as well as notarized and graded examinations, and strict adherence to the ethical requirements of a CFLA Auditor. Initially the Class was taught by Andrew Lehman, J.D., and Brendan McDonald, and Michael T. Pines, and then Time Or’eiley and Art Bernardo until Mr. Carrigan began teaching the class in or about 2013 alongside California Attorney Tim O’Reiley. In these classes CFLA distributes and requires consent to the.
[i] (a) MARS consumer guide for Businesses, and requires express agreements under the
(b) CFLA CODE OF ETHICS of a Mortgage Securitization Analyst
[ii] to guide them in ethical responsibilities as a Mortgage Securitization Analyst and mandate Compliance under the State & Federal Laws.
Moreover, CFLA has issued Press Releases to its Clients, Trainees, requiring strict adherence to the MARS Rule and Regulation O, even having to terminate several of its wholesale clients, and even a few employees, for not having strictly complied with the MARS Rule, Regulation O, and other requirements as a matter of Law.
It is CFLA’s hard stance in an otherwise unregulated Industry that has made for a better and safer place for the consumers who demand the cutting edge work product presently known as the Bloomberg Property Securitization Audit. CFLA prides itself as being on the forefront for compliance with its customers, trainees, and followers since its inception in or about 2009. Since 2009, CFLA has performed more than 10,000 Residential Forensic Loan Audits, trained more than 1,300 people in its Nationally Recognized Auditor Class.
CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.
CFLA.com conducts Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii with topics ranging from
(1) Securitization Audits in Bankruptcy Practice,
(2) Securitization Audits and Foreclosure Defense Strategies,
(3) Securitization Audits in Contract Law & UCC,
(4) Principal Reductions through Strategic Litigation,
(5) Mortgage Securitization in Litigation,
(6) Quiet Title Litigation,
(7) Unsecured Debt Transactions and the
(8) California Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Charles Christmas, Esq., Patricia Rodriguez, Esq; John Fretz, Esq; Chad Elrod, Esq., Jeff Jackson, Esq., Anthony Vigna, Esq., Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Timothy O’Reilly, Esq.; Amar Gupta, Esq. , Oliver Hull, Esq., Charles Powell, Esq., Noberto Reyes, Esq., Brendan McDonald, Esq., Joseph Huprich, Esq., Chris Mcglaughlin, Esq., Eric Hougen, Esq., and others.
Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,500 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL as well as online courses
II. CFLA CONSUMER RELATED INFORMATION
In or about December 2018, CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or FFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.[iii] The results of this FOIAR yielding great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 42 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against (one in 2010, 2016, and 2018). In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions with CFLA being represented in the complaint as assisting in the complaint process. Of the 3 complaints listed in the entire CFPB database regarding CFLA, 2 of them had already been refunded in their entirety, and only one consumer, a resident of the North Pole Alaska’s complaint still remained unresolved due to his difficulty traveling by sled to the CFLA Attorney Referral in Anchorage, AK.
Only 1 such consumer complaint existed since 2010 claiming “Fraud” which is the consumer from North Pole, AK. To give a fair ratio, CFLA produced more than 15,000 client files that it had completed for customers of CFLA since 2007. 3 of the consumer complaints against CFLA occurred during this time period referenced in the CID (e.g. 2014 – current). So given the 15,000 client files produced by CFLA during the period CFLA had a complaint ration of 1 in 5,000 customer which equates to a .000004%.
I. CFLA SELLS BLOOMBERG SECURITIZATION PROPERTY ANALYSIS REPORTS
As Business to Business providers of these auditing services CFLA provides the Bloomberg Securitization Audit Report with a Court Ready Expert Witness Affidavit from our Senior Auditor & Leading Expert, Michael Carrigan, in addition to
(1) Time Stamped Bloomberg Screenshots showing all the financial data of the trust including paid off, insurance, remics, loan forgiveness, loan mod info, re capitalization, etc,
(2) Copy of the Pooling & Servicing Agreement on the respective loan,
(3) Full Fraud & Robo Signing Analysis,
(4) Credit Default Swap Analysis,
(5) Full Chain of Title Analysis of Assignments & Transfers looking for
(a) defunct entity status,
(b) improper dates,
(c) improper signatures & endorsements,
(d) fraud,
(e) robosigning,
(6) Court Ready Expert Witness Affidavit Under Oath by Michael Carrigan attesting to the facts derived in the audit report.
Each CFLA Client executes an agreement that states the following, in pertinent part: (a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice, (b) CFLA Does NOT Provide Foreclosure Consulting Services, (c) CFLA Does NOT Offer or assist with any form of Loan Modification, (d) CFLA Is a Professional Auditing Company and Document Support Provider, € we do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services, (f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction, (g) that the use of the CFLA Legal Forms is not the substitute for the actual advice of an attorney, (h) finally that all work generated on behalf of CFLA for CLIENT shall be under the direct supervision of an Attorney Licensed in their Appropriate Jurisdiction [iv]
II. CFLA HAS AN EXCELLENT REPUTATION IN THE TRADE WITH CONSUMERS, CONSUMER REPORTING AGENCIES, CONSUMER TRADE SITES, AND OTHERWISE
CFLA has been registered with the Better Business Bureau and has maintained an A+ rating on its business since January of 2010. CFLA has had very few complaints and those complaints were responded to quickly, and resolved by CFLA. CFLA Has been cited by the BBB as (1) having very few complaints, (2) Transparent Business Practices, and (3) No known Advertising Issues. [v]
CFLA also maintains an AAA rating with the Business Consumer Alliance as having responded
(1) responded to consumer complaints promptly,
(2) resolving consumer complaints directly with clients fairly, and
(3) making appropriate representations online regarding the company.
[vii] Furthermore, as evidence by the FOIA Request Produced by the Bureau, CFLA Does Not facilitate very many consumer complaints having had only 3 consumer complaints in the 10 years of business reported to the CFPB and the FTC.
In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. 12 USC 5531 (2).
CLFA Never Engages in Any Contact with Consumer’s Servicer as such would violate State law, and CFLA Does Not Provide Services Directly to the Consumer without Representation (See CFLA Customer Agreement) . Furthermore,
(1) CFLA Does Not Practice law and
(2) CFLA Does Not perform any type of Loan Modification.
The Reason That CFLA Does Not Negotiate Directly with the Consumers Dwelling or Servicer is to avoid violating State Law Statutes Restricting the unlawful Practice of Law. This was the major consideration when CFLA formed it business back in 2007. CFLA Wanted to Avoid Breaking Laws and as a result it required all of its Clients to have representation, evinced by the customers executing a service agreement which stated CFLA’s Client Agreement States in Bold Inconspicuous Form as follows “CLIENT agrees and hereby covenants that all work generated on his behalf, or on behalf of his company, that is generated by CFLA or its members will be under the supervision of his/her attorney, licensed in the appropriate jurisdiction, The Bold Statements are intended to ensure that the Client Know up Front that CFLA is Not Performing a Mortgage Foreclosure Relief Service on their behalf.
Each CFLA Client executes an agreement that states the following, in pertinent part:
(a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice,
(b) CFLA Does NOT Provide Foreclosure Consulting Services,
(c) CFLA Does NOT Offer or assist with any form of Loan Modification,
(d) CFLA Is a Professional Auditing Company and Document Support Provider,
(e) We do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services,
(f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction,
[viii] The Intent of the Founders was for this policy to stay in place because it would prevent CFLA Customer Service from engaging in the Unlawful Practice of Law Under State Laws.
I have a mortgage background and am no dummy, but I still lost $1000 to a Securitization Audit that a 3rd party company ordered from Certified Forensic Loan Auditors aka CFLA? I probably would have never known that their report was useless if a friend of a friend didnt happen to look at it. He explained some interesting things to me about CFLA so I wanted to make sure that people know what theyre getting from a CFLA or any of their affiliates for that matter. I did a lot of my own research and found everything he described to be true. So as you can imagine, Im a little ticked off.
1. CFLA offers a 2 days Certified Training Course. Certified by who exactly? It turns out, they certified themselves. There is no legislative body that licenses or certifies any person or company involved in securitization audits. CFLA also claim to be the only certified securitization auditor training course. Again, congrats on giving yourself a bogus certificate but it obviously means nothing if the data if my report is worthless.
2. If you search for it, youll easily find that they advertise their 2 day training courses all over the country. People with absolutely no experience in securitization attend these classes and after 2 days of training, theyre also Certified Securitization Auditors. Let me repeat: people with 2 days of experience are starting their own businesses and selling these reports as experts.
3.Dont take my word for it. Go to the CFLA website (http://www.certifiedforensicloanauditors.com/) and see a sample of their Securitization Report. Then, search the internet for securitization audit samples or securitization report samples - you will be amazed at how many reports look exactly like the CFLA report. In other words, that company took the 2 day certified class and immediately began to sell reports using the template that CFLA gave them. Sure, some of the fancy colors may have changed but cmon, Im not blind. When I saw a ton of variations of my report online, It made me feel like theyre just a report mill, trying to sell as many as they can while content isnt all that important. Isnt that how I got screwed by the banks in the first place?
4.The most important information in a securitization report is the identification of the Trust that supposedly bought your loan. Read the CFLA disclaimer on the last page carefully they GUESS the name of the Trust and claim no responsibility if the guess is wrong. CFLA calls their choice of the Trust an expert opinion but this is a matter of fact, not opinion. You should be given proof that the loan was sold.
5. How did I verify this for myself? I paid another company $700 to redo my report. The new report proved that CFLAs expert opinion was completely wrong I was given a long list of the mortgages owned by the newly named Trust and mine was highlighted clearly on the list. I asked the guy who I bought the CFLA report from if he was given that list of mortgages owned by the Trust? He told me that CFLA can offer that same service but only with their most expensive report. If I paid $1000 and didnt get that information, how much more would I have had to pay to get the actual facts? I dont even understand why you would offer a cheaper report that has someones crazy guess when you clearly have a way to verify the facts and provide proof? I might have even paid for it. $1500 for a report that helps me is still better than $1000 for a piece of crap. Mind you, I paid $700 to the other company and got exactly what I needed.
You get the point. I dont want to waste my day typing or yours reading my post. BUT - I would avoid any company that claims to be Certified Securitization Auditors. And ask to make sure that your report will have proof of your loan in the Trust. You should get a list like I did and you should be able to easily identify your loan. Also, ask for a sample of their report and if it looks like the sample on CFLA, Id be worried.
Like I said, dont take my word for it, do your own digging. Just remember, if it looks like a duck and quacks like a duck
In addition to daily harassing phone calls if you don't take the course, the course itself is worthless to anyone who actually wants to help homeowners in foreclosure as opposed to those who only wish to sell more courses to more unsuspecting consumers.
Do not buy their course. It's a scam. Don't sell it either, you are being bought off.
They told me the class was taught by attorneys. In fact, the only attorney that "teaches" is on Monday morning to give the "introduction and welcome" to the class.
They told me I would be able to negotiate a settlement easily as a non-attorney. I've discovered banks won't listen to anyone without a bar number. If you are not a licensed attorney, they will just put you in a holding pattern doomed for failure.
They told me I would be given work from their company. Instead they asked me to bring them clients and asked me to sign a "marriage document" of a non-compete.
They told me to read the testimonials from their former students. They didn't tell me that others had posted negative material they refused to post on their website, I had to learn that from calling their former students myself.
They told me they were the only nationally certified school, but there is no such thing as national certification. The only certification I would get would be from another company they themselves had formed to certify their own courses.
Then I started asking around. They list all their "graduates" on their website, along with their "testimonials". I started to call them.
I spoke with one who told me that NAMU.org was founded in January BY CFLA in order to "certify" their students so they could claim national certification by a non-profit company.
He also said he was unimpressed with the calibur of their teaching, specifically stating the teachers were unable to calculate an APR rate. He said he allowed them to certify him on their website, because why not? He didn't ask for his money back because he figured he just got scammed and learned his lesson. He is based on Orlando. He struck a deal with them for 10K a month to teach their course for them. Which their sales force will sell for him.
Andrew Lehman called anyone complaining with an offer of the same deal. He won't give a refund, it admits guilt. He offered clients to do his audits for him. I refused because his product isn't worth the paper it's written on as far as negotiations for the benefit of the homeowner are concerned.
Mortgage evaluations must be done by an attorney and negotiated by an attorney in order to have any chance of success for the homeowner. Only an attorney doing the examination can comment competently on contract and tort law causes of action a homeowner may have against his or her lender.
FAKE REVIEW COPY AND PASTED ON MULTIPLE SITES TO EXTORT CFLA
MORTGAGE ATTACK ~ BOB HURT DOES NOT SAVE CONSUMERS ~ HE EXTORTS EXECUTIVES ~ by writing False and Defamatory Articles about CFLA, the Nation’s Leading Experts in Foreclosure Defense, in exchange for CASH $$$$$$$ EXTORTION..
See below correspondence copied from emails exchanged between CFLA CEO Andrew Lehman and Self Proclaimed Consumer Advocate Bob Hurt wherein Bob Hurt Offers to remove his disparaging articles about CFLA for a payment in the amount of $7,777.00
Do not trust Bob Hurt the fake Consumer Advocate, he belongs in jail as his extortionary tactics will surely be dealt with soon. By his own admission it is clear what Bob Hurt MORTGAGE ATTACK - http://MortgageAttack.com
BOB HURT, the Only Way to Beat the Banks!!!
See true and correct copies of BOB HURTS Extortionary emails below:
---------- Forwarded message ---------
From: Bob Hurt <[email protected]>
Date: Tue, May 21, 2019 at 3:06 PM
Subject: Re: CFLA PRELIMINARY RESPONSE TO TRADE LIBEL
To: CFLA Admin <[email protected]>
Make it $7,777 and you have a deal.
If you agree to that, I have a business suggestion for you that you might like.
Bob Hurt
On 5/16/19 11:07 PM, CFLA Admin wrote:
I will pay you $5,000.00 to read and understand the CFLA information above sufficient to give you a full understand of the falsity of that information you published, and thereafter you will take down all of the articles that you wrote about CFLA that are replete with false malicious and untruthful information categorizing CFLA as a SCAM, whereupon CFLA will provide you free sponsored advertising on our site, promote your blog materials on our site and social media, and we wont file a preliminary injunction and complaint for damages for trade liber slander and other torts in the Southern District of Texas with my staff Attorneys who otherwise have nothing better to do, serve you with request for disclosures, and multiple sets of discovery, including depositions, and take a judgment against you for statutory damages, actual damages, attorneys fees and costs...
Is that an agreement?
On Thu, May 16, 2019 at 8:52 PM Bob Hurt <[email protected]> wrote:
How much will you pay me to read and analyze the below self-promoting marketing material for CFLA?
On 2019-05-16 02:22, CFLA Admin wrote:
BACKGROUND ON CFLA OPERATIONS
CFLA operated, and maintains operation as a business-to-business provider of Securitization Audits and Litigation Support services directly to Attorneys and Mortgage professionals in the USA and other countries such as Ireland, the UK, South Africa, and Australia all of which having similar banking systems. As a business-to-business provider of these auditing services much of the changes and/or direction of the work product over the years were recommended at the suggestion of the Attorney Client. CFLA has produced documentation to the CFPB demonstrating more than 500 Licensed Attorneys and/or Law Firms that have been Clients of CFLA since 2010.
CFLA has been at the forefront for cutting edge innovation in the industry, as well as on the compliance side for the entire industry of forensic loan auditing and Bloomberg securitization audits, while providing training State Bar Approved Continuing Education Courses to Licensed Attorneys in California, Texas, Nevada, Hawaii, Illinois, New York, Florida, and other states, Mr. Lehman has overseen the training of more than 1,000 licensed attorneys and 5,000 cumulative trainees nationwide through his 24 hour training classes, 6 hour CLE seminars, and hosted more than 250 events hosted nationwide since 2010. Furthermore, CFLA has sold more than 10,000 of Mr. Lehman’s DVDs since 2009.
In or about 2009, CFLA began what is currently known as the Mortgage Securitization Analyst Training Class, which requires 3 full days of training 24 hours, as well as notarized and graded examinations, and strict adherence to the ethical requirements of a CFLA Auditor. Initially the Class was taught by Andrew Lehman, J.D., and Brendan McDonald, and Michael T. Pines, and then Time Or’eiley and Art Bernardo until Mr. Carrigan began teaching the class in or about 2013 alongside California Attorney Tim O’Reiley. In these classes CFLA distributes and requires consent to the.
[i] (a) MARS consumer guide for Businesses, and requires express agreements under the
(b) CFLA CODE OF ETHICS of a Mortgage Securitization Analyst
[ii] to guide them in ethical responsibilities as a Mortgage Securitization Analyst and mandate Compliance under the State & Federal Laws.
Moreover, CFLA has issued Press Releases to its Clients, Trainees, requiring strict adherence to the MARS Rule and Regulation O, even having to terminate several of its wholesale clients, and even a few employees, for not having strictly complied with the MARS Rule, Regulation O, and other requirements as a matter of Law.
It is CFLA’s hard stance in an otherwise unregulated Industry that has made for a better and safer place for the consumers who demand the cutting edge work product presently known as the Bloomberg Property Securitization Audit. CFLA prides itself as being on the forefront for compliance with its customers, trainees, and followers since its inception in or about 2009. Since 2009, CFLA has performed more than 10,000 Residential Forensic Loan Audits, trained more than 1,300 people in its Nationally Recognized Auditor Class.
CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.
CFLA.com conducts Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii with topics ranging from
(1) Securitization Audits in Bankruptcy Practice,
(2) Securitization Audits and Foreclosure Defense Strategies,
(3) Securitization Audits in Contract Law & UCC,
(4) Principal Reductions through Strategic Litigation,
(5) Mortgage Securitization in Litigation,
(6) Quiet Title Litigation,
(7) Unsecured Debt Transactions and the
(8) California Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Charles Christmas, Esq., Patricia Rodriguez, Esq; John Fretz, Esq; Chad Elrod, Esq., Jeff Jackson, Esq., Anthony Vigna, Esq., Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Timothy O’Reilly, Esq.; Amar Gupta, Esq. , Oliver Hull, Esq., Charles Powell, Esq., Noberto Reyes, Esq., Brendan McDonald, Esq., Joseph Huprich, Esq., Chris Mcglaughlin, Esq., Eric Hougen, Esq., and others.
Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,500 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL as well as online courses
II. CFLA CONSUMER RELATED INFORMATION
In or about December 2018, CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or FFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.[iii] The results of this FOIAR yielding great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 42 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against (one in 2010, 2016, and 2018). In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions with CFLA being represented in the complaint as assisting in the complaint process. Of the 3 complaints listed in the entire CFPB database regarding CFLA, 2 of them had already been refunded in their entirety, and only one consumer, a resident of the North Pole Alaska’s complaint still remained unresolved due to his difficulty traveling by sled to the CFLA Attorney Referral in Anchorage, AK.
Only 1 such consumer complaint existed since 2010 claiming “Fraud” which is the consumer from North Pole, AK. To give a fair ratio, CFLA produced more than 15,000 client files that it had completed for customers of CFLA since 2007. 3 of the consumer complaints against CFLA occurred during this time period referenced in the CID (e.g. 2014 – current). So given the 15,000 client files produced by CFLA during the period CFLA had a complaint ration of 1 in 5,000 customer which equates to a .000004%.
I. CFLA SELLS BLOOMBERG SECURITIZATION PROPERTY ANALYSIS REPORTS
As Business to Business providers of these auditing services CFLA provides the Bloomberg Securitization Audit Report with a Court Ready Expert Witness Affidavit from our Senior Auditor & Leading Expert, Michael Carrigan, in addition to
(1) Time Stamped Bloomberg Screenshots showing all the financial data of the trust including paid off, insurance, remics, loan forgiveness, loan mod info, re capitalization, etc,
(2) Copy of the Pooling & Servicing Agreement on the respective loan,
(3) Full Fraud & Robo Signing Analysis,
(4) Credit Default Swap Analysis,
(5) Full Chain of Title Analysis of Assignments & Transfers looking for
(a) defunct entity status,
(b) improper dates,
(c) improper signatures & endorsements,
(d) fraud,
(e) robosigning,
(6) Court Ready Expert Witness Affidavit Under Oath by Michael Carrigan attesting to the facts derived in the audit report.
Each CFLA Client executes an agreement that states the following, in pertinent part: (a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice, (b) CFLA Does NOT Provide Foreclosure Consulting Services, (c) CFLA Does NOT Offer or assist with any form of Loan Modification, (d) CFLA Is a Professional Auditing Company and Document Support Provider, € we do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services, (f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction, (g) that the use of the CFLA Legal Forms is not the substitute for the actual advice of an attorney, (h) finally that all work generated on behalf of CFLA for CLIENT shall be under the direct supervision of an Attorney Licensed in their Appropriate Jurisdiction [iv]
II. CFLA HAS AN EXCELLENT REPUTATION IN THE TRADE WITH CONSUMERS, CONSUMER REPORTING AGENCIES, CONSUMER TRADE SITES, AND OTHERWISE
CFLA has been registered with the Better Business Bureau and has maintained an A+ rating on its business since January of 2010. CFLA has had very few complaints and those complaints were responded to quickly, and resolved by CFLA. CFLA Has been cited by the BBB as (1) having very few complaints, (2) Transparent Business Practices, and (3) No known Advertising Issues. [v]
CFLA also maintains an AAA rating with the Business Consumer Alliance as having responded
(1) responded to consumer complaints promptly,
(2) resolving consumer complaints directly with clients fairly, and
(3) making appropriate representations online regarding the company.
[vii] Furthermore, as evidence by the FOIA Request Produced by the Bureau, CFLA Does Not facilitate very many consumer complaints having had only 3 consumer complaints in the 10 years of business reported to the CFPB and the FTC.
In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. 12 USC 5531 (2).
CLFA Never Engages in Any Contact with Consumer’s Servicer as such would violate State law, and CFLA Does Not Provide Services Directly to the Consumer without Representation (See CFLA Customer Agreement) . Furthermore,
(1) CFLA Does Not Practice law and
(2) CFLA Does Not perform any type of Loan Modification.
The Reason That CFLA Does Not Negotiate Directly with the Consumers Dwelling or Servicer is to avoid violating State Law Statutes Restricting the unlawful Practice of Law. This was the major consideration when CFLA formed it business back in 2007. CFLA Wanted to Avoid Breaking Laws and as a result it required all of its Clients to have representation, evinced by the customers executing a service agreement which stated CFLA’s Client Agreement States in Bold Inconspicuous Form as follows “CLIENT agrees and hereby covenants that all work generated on his behalf, or on behalf of his company, that is generated by CFLA or its members will be under the supervision of his/her attorney, licensed in the appropriate jurisdiction, The Bold Statements are intended to ensure that the Client Know up Front that CFLA is Not Performing a Mortgage Foreclosure Relief Service on their behalf.
Each CFLA Client executes an agreement that states the following, in pertinent part:
(a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice,
(b) CFLA Does NOT Provide Foreclosure Consulting Services,
(c) CFLA Does NOT Offer or assist with any form of Loan Modification,
(d) CFLA Is a Professional Auditing Company and Document Support Provider,
(e) We do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services,
(f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction,
[viii] The Intent of the Founders was for this policy to stay in place because it would prevent CFLA Customer Service from engaging in the Unlawful Practice of Law Under State Laws.
BUYER BEWARE OF THIS COMPANY!
My husband and I are retired senior citizens with serious health issues, we reached out to this company to assist us with the wrongful foreclosure of our home.
The principle owner, Mr. Andrew Lehman, was a high pressure, fast talking person who said if you sign up right now I will give you a discount.
I gave Mr. Lehman my credit card number because he told me he had to send me an authorization form via email in order to proceed, and I didn't believe he would or could charge my card without the authorization.
After hanging up with Mr. Lehman I did due dilligence and did a google search & checked the Rip Off Report. I didscovered there were several disgruntled people who said Mr. Lehaman had been fraudulently touting himself as a lawyer, which he is not. There were other complaints re: Mr. Lehman not delivering on his promises. Which sadly we found to ourselves in the same situation.
I immediately (within a few minutes) tried to call Mr. Lehman to tell him I did not wish to do business with his company based on these terrible reviews. I went straight to voice mail. I tried a 2nd time to reach Mr. Lehman, but to no avail. I then wrote to Mr. Lehman via email and told him I was very disappointed in what I found out about him and his company and told him I did not wish to move forward with his company. I told him I did not appreciate being lied to and asked that he please not charge my card.
I also told Mr. Lehman that I would report him to the Rip Off Report, the BBB, etc. if I didn't hear from him. Remarkably, Mr. Lehman called me back. He told me it was too late, stating he had already charged my card. I told him I did not sign his authorization form that he sent to me and he said he didn't need the form. Our conversation became heated, he ultimately asked if I would contact an attorney out of FL for a reference on him. The attorney he referred me to did not give a glowing review of Mr. Lehman or his company. Again, I felt misled.
Mr. Lehman then had another person call me to attest to Mr. Lehman's character., turns out that person was trained by his company, CFLA.
Mr. Lehman pulled the audit without my consent, despite me telling him I did not want to move forward. He called ultimately me to explain the contents of the report. During that call he had taken numerous and lengthy calls, leaving me on hold for much of the time. He was most unprofessional and left the impression that he was a one-man operation. He promised he would call me again, but did not.
I called Mr. Lehman several days later and he told me he did not have time to talk with me and said he had already explained the report and would not devote any more time without me paying him more money.
I never authorized the report in the first place!
I have included the brief email thread between us below to hopefully prevent others from encountering the same dreadful experience and unnecessary loss of their money.
BE CAREFUL...DO NOT DO BUSINESS WITH THIS COMPANY...YOU WILL REGRET IT !
EMAIL THREAD BELOW:
Re: CFLA Authorization to Complete Your Bloomberg Securitization Property Report and/or Litigation Documents3
Yahoo/Inbox
To: A. XXXXXX
May 14 at 11:02 AM
Please click on the LINK below and fill out required information, check appropriate boxes, and submit this authorization online as quickly as possible to help expedite the processing of your file.
http://www.certifiedforensicloanauditors.com/retail-services-agreement-phone-submission.html
If you have any questions you can contact me directly at 310-295-9774.
As always, we appreciate your business,
ANDREW LEHMAN, J.D.
CERTIFIED FORENSIC LOAN AUDITORS, LLC
13101 West Washington Blvd., Suite 444 Los Angeles, CA 90066
2600 S. Shore Blvd., Suite 300
League City, TX 77573
Direct: 888-758-CFLA (2352)
Facsimile: 310-388-0175
[email protected]
www.CertifiedForensicLoanAuditors.com
FAKE REVIEW COPY AND PASTED ON MULTIPLE SITES TO EXTORT CFLA
MORTGAGE ATTACK ~ BOB HURT DOES NOT SAVE CONSUMERS ~ HE EXTORTS EXECUTIVES ~ by writing False and Defamatory Articles about CFLA, the Nation’s Leading Experts in Foreclosure Defense, in exchange for CASH $$$$$$$ EXTORTION..
See below correspondence copied from emails exchanged between CFLA CEO Andrew Lehman and Self Proclaimed Consumer Advocate Bob Hurt wherein Bob Hurt Offers to remove his disparaging articles about CFLA for a payment in the amount of $7,777.00
Do not trust Bob Hurt the fake Consumer Advocate, he belongs in jail as his extortionary tactics will surely be dealt with soon. By his own admission it is clear what Bob Hurt MORTGAGE ATTACK - http://MortgageAttack.com
BOB HURT, the Only Way to Beat the Banks!!!
See true and correct copies of BOB HURTS Extortionary emails below:
---------- Forwarded message ---------
From: Bob Hurt <[email protected]>
Date: Tue, May 21, 2019 at 3:06 PM
Subject: Re: CFLA PRELIMINARY RESPONSE TO TRADE LIBEL
To: CFLA Admin <[email protected]>
Make it $7,777 and you have a deal.
If you agree to that, I have a business suggestion for you that you might like.
Bob Hurt
On 5/16/19 11:07 PM, CFLA Admin wrote:
I will pay you $5,000.00 to read and understand the CFLA information above sufficient to give you a full understand of the falsity of that information you published, and thereafter you will take down all of the articles that you wrote about CFLA that are replete with false malicious and untruthful information categorizing CFLA as a SCAM, whereupon CFLA will provide you free sponsored advertising on our site, promote your blog materials on our site and social media, and we wont file a preliminary injunction and complaint for damages for trade liber slander and other torts in the Southern District of Texas with my staff Attorneys who otherwise have nothing better to do, serve you with request for disclosures, and multiple sets of discovery, including depositions, and take a judgment against you for statutory damages, actual damages, attorneys fees and costs...
Is that an agreement?
On Thu, May 16, 2019 at 8:52 PM Bob Hurt <[email protected]> wrote:
How much will you pay me to read and analyze the below self-promoting marketing material for CFLA?
On 2019-05-16 02:22, CFLA Admin wrote:
BACKGROUND ON CFLA OPERATIONS
CFLA operated, and maintains operation as a business-to-business provider of Securitization Audits and Litigation Support services directly to Attorneys and Mortgage professionals in the USA and other countries such as Ireland, the UK, South Africa, and Australia all of which having similar banking systems. As a business-to-business provider of these auditing services much of the changes and/or direction of the work product over the years were recommended at the suggestion of the Attorney Client. CFLA has produced documentation to the CFPB demonstrating more than 500 Licensed Attorneys and/or Law Firms that have been Clients of CFLA since 2010.
CFLA has been at the forefront for cutting edge innovation in the industry, as well as on the compliance side for the entire industry of forensic loan auditing and Bloomberg securitization audits, while providing training State Bar Approved Continuing Education Courses to Licensed Attorneys in California, Texas, Nevada, Hawaii, Illinois, New York, Florida, and other states, Mr. Lehman has overseen the training of more than 1,000 licensed attorneys and 5,000 cumulative trainees nationwide through his 24 hour training classes, 6 hour CLE seminars, and hosted more than 250 events hosted nationwide since 2010. Furthermore, CFLA has sold more than 10,000 of Mr. Lehman’s DVDs since 2009.
In or about 2009, CFLA began what is currently known as the Mortgage Securitization Analyst Training Class, which requires 3 full days of training 24 hours, as well as notarized and graded examinations, and strict adherence to the ethical requirements of a CFLA Auditor. Initially the Class was taught by Andrew Lehman, J.D., and Brendan McDonald, and Michael T. Pines, and then Time Or’eiley and Art Bernardo until Mr. Carrigan began teaching the class in or about 2013 alongside California Attorney Tim O’Reiley. In these classes CFLA distributes and requires consent to the.
[i] (a) MARS consumer guide for Businesses, and requires express agreements under the
(b) CFLA CODE OF ETHICS of a Mortgage Securitization Analyst
[ii] to guide them in ethical responsibilities as a Mortgage Securitization Analyst and mandate Compliance under the State & Federal Laws.
Moreover, CFLA has issued Press Releases to its Clients, Trainees, requiring strict adherence to the MARS Rule and Regulation O, even having to terminate several of its wholesale clients, and even a few employees, for not having strictly complied with the MARS Rule, Regulation O, and other requirements as a matter of Law.
It is CFLA’s hard stance in an otherwise unregulated Industry that has made for a better and safer place for the consumers who demand the cutting edge work product presently known as the Bloomberg Property Securitization Audit. CFLA prides itself as being on the forefront for compliance with its customers, trainees, and followers since its inception in or about 2009. Since 2009, CFLA has performed more than 10,000 Residential Forensic Loan Audits, trained more than 1,300 people in its Nationally Recognized Auditor Class.
CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.
CFLA.com conducts Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii with topics ranging from
(1) Securitization Audits in Bankruptcy Practice,
(2) Securitization Audits and Foreclosure Defense Strategies,
(3) Securitization Audits in Contract Law & UCC,
(4) Principal Reductions through Strategic Litigation,
(5) Mortgage Securitization in Litigation,
(6) Quiet Title Litigation,
(7) Unsecured Debt Transactions and the
(8) California Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Charles Christmas, Esq., Patricia Rodriguez, Esq; John Fretz, Esq; Chad Elrod, Esq., Jeff Jackson, Esq., Anthony Vigna, Esq., Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Timothy O’Reilly, Esq.; Amar Gupta, Esq. , Oliver Hull, Esq., Charles Powell, Esq., Noberto Reyes, Esq., Brendan McDonald, Esq., Joseph Huprich, Esq., Chris Mcglaughlin, Esq., Eric Hougen, Esq., and others.
Certified Forensic Loan Auditors also has created a Nationally Recognized Analyst Training Certification Course. Mortgage securitization and forensic loan auditing are presented during our professional 24-hr how-to class. There have been nearly 1,500 executive level professionals who have graduated from this program since 2009 in each of the following States: CA, NV, IL, NY, NJ, WA, DC, MD, GA, and FL as well as online courses
II. CFLA CONSUMER RELATED INFORMATION
In or about December 2018, CFLA, sent a Freedom of Information Act Request to the CFPB requesting copies of any and all complaints submitted to the FTC or FFPB referencing “CFLA” or regarding “CFLA” at any time since 2010.[iii] The results of this FOIAR yielding great information about the nature of the complaints from consumers concerning CFLA. Interesting to learn that the FTC and the CFPB had received 42 complaints regarding CFLA, however, only 3 of these complaints had CFLA named as the party/entity that the complaint was against (one in 2010, 2016, and 2018). In fact, the far standing majority of these complaints were as against Banks / Servicers, or other banking institutions with CFLA being represented in the complaint as assisting in the complaint process. Of the 3 complaints listed in the entire CFPB database regarding CFLA, 2 of them had already been refunded in their entirety, and only one consumer, a resident of the North Pole Alaska’s complaint still remained unresolved due to his difficulty traveling by sled to the CFLA Attorney Referral in Anchorage, AK.
Only 1 such consumer complaint existed since 2010 claiming “Fraud” which is the consumer from North Pole, AK. To give a fair ratio, CFLA produced more than 15,000 client files that it had completed for customers of CFLA since 2007. 3 of the consumer complaints against CFLA occurred during this time period referenced in the CID (e.g. 2014 – current). So given the 15,000 client files produced by CFLA during the period CFLA had a complaint ration of 1 in 5,000 customer which equates to a .000004%.
I. CFLA SELLS BLOOMBERG SECURITIZATION PROPERTY ANALYSIS REPORTS
As Business to Business providers of these auditing services CFLA provides the Bloomberg Securitization Audit Report with a Court Ready Expert Witness Affidavit from our Senior Auditor & Leading Expert, Michael Carrigan, in addition to
(1) Time Stamped Bloomberg Screenshots showing all the financial data of the trust including paid off, insurance, remics, loan forgiveness, loan mod info, re capitalization, etc,
(2) Copy of the Pooling & Servicing Agreement on the respective loan,
(3) Full Fraud & Robo Signing Analysis,
(4) Credit Default Swap Analysis,
(5) Full Chain of Title Analysis of Assignments & Transfers looking for
(a) defunct entity status,
(b) improper dates,
(c) improper signatures & endorsements,
(d) fraud,
(e) robosigning,
(6) Court Ready Expert Witness Affidavit Under Oath by Michael Carrigan attesting to the facts derived in the audit report.
Each CFLA Client executes an agreement that states the following, in pertinent part: (a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice, (b) CFLA Does NOT Provide Foreclosure Consulting Services, (c) CFLA Does NOT Offer or assist with any form of Loan Modification, (d) CFLA Is a Professional Auditing Company and Document Support Provider, € we do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services, (f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction, (g) that the use of the CFLA Legal Forms is not the substitute for the actual advice of an attorney, (h) finally that all work generated on behalf of CFLA for CLIENT shall be under the direct supervision of an Attorney Licensed in their Appropriate Jurisdiction [iv]
II. CFLA HAS AN EXCELLENT REPUTATION IN THE TRADE WITH CONSUMERS, CONSUMER REPORTING AGENCIES, CONSUMER TRADE SITES, AND OTHERWISE
CFLA has been registered with the Better Business Bureau and has maintained an A+ rating on its business since January of 2010. CFLA has had very few complaints and those complaints were responded to quickly, and resolved by CFLA. CFLA Has been cited by the BBB as (1) having very few complaints, (2) Transparent Business Practices, and (3) No known Advertising Issues. [v]
CFLA also maintains an AAA rating with the Business Consumer Alliance as having responded
(1) responded to consumer complaints promptly,
(2) resolving consumer complaints directly with clients fairly, and
(3) making appropriate representations online regarding the company.
[vii] Furthermore, as evidence by the FOIA Request Produced by the Bureau, CFLA Does Not facilitate very many consumer complaints having had only 3 consumer complaints in the 10 years of business reported to the CFPB and the FTC.
In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. 12 USC 5531 (2).
CLFA Never Engages in Any Contact with Consumer’s Servicer as such would violate State law, and CFLA Does Not Provide Services Directly to the Consumer without Representation (See CFLA Customer Agreement) . Furthermore,
(1) CFLA Does Not Practice law and
(2) CFLA Does Not perform any type of Loan Modification.
The Reason That CFLA Does Not Negotiate Directly with the Consumers Dwelling or Servicer is to avoid violating State Law Statutes Restricting the unlawful Practice of Law. This was the major consideration when CFLA formed it business back in 2007. CFLA Wanted to Avoid Breaking Laws and as a result it required all of its Clients to have representation, evinced by the customers executing a service agreement which stated CFLA’s Client Agreement States in Bold Inconspicuous Form as follows “CLIENT agrees and hereby covenants that all work generated on his behalf, or on behalf of his company, that is generated by CFLA or its members will be under the supervision of his/her attorney, licensed in the appropriate jurisdiction, The Bold Statements are intended to ensure that the Client Know up Front that CFLA is Not Performing a Mortgage Foreclosure Relief Service on their behalf.
Each CFLA Client executes an agreement that states the following, in pertinent part:
(a) CFLA is NOT a Law Firm and we Do Not Provide Legal Advice,
(b) CFLA Does NOT Provide Foreclosure Consulting Services,
(c) CFLA Does NOT Offer or assist with any form of Loan Modification,
(d) CFLA Is a Professional Auditing Company and Document Support Provider,
(e) We do not transact on behalf of the Homeowner in any way, including sending letters, making phone calls, contacting banks, or filing and serving your legal documents. CFLA offers the Sale of Goods, and NOT Services,
(f) CFLA always recommends that Homeowners use these cutting edge services in conjunction with the representation of a Licensed Attorney in their respective Jurisdiction,
[viii] The Intent of the Founders was for this policy to stay in place because it would prevent CFLA Customer Service from engaging in the Unlawful Practice of Law Under State Laws.