My name is Ben and you could call me (Personal Information Removed)
I am in process to lose my house in auction by the bank, this company offered me
they can delay the process by doing Forensic Audit & Securitization Audit
this was written advertisement letter. The total fee for their service was $2800.00
which I pay in 4 installments bass on the contract
After I signed the contract with them, and paid the first installment,
I did not heard back from them and never respond to my phone call and my e-mail.
Mourice Sales he is the owner of this scam operation and his office is in Washington D. C and he has another guy under him to practice the same thing in California, his name is Gene Fulmer – 800.558.9789 this is copy of the add,
HomeFree Program
Eliminate Your Mortgage and Get Your Home “Free & Clear”
You're a good candidate if any of these is true:
• You have a different lender now from your original one.
• You purchased your home in the years between 1995 and 2008.
• MERS is shown on the first or second page of the Deed of Trust.
Accomplished by our paralegals, we assist you through the whole process. We set up independent litigation
against the lender to produce the original note and challenge the debt and ownership of your home. Lenders
usually can't produce the note, so typically, they settle. The outcome can be complete elimination of the loan.
You will receive: Forensic Audit - Securitization Audit - All court documents - 60 days of counseling
Forensic Audit & Securitization Audit
Our Forensic Audit will uncover faults and violations to do with Truth in Lending (TILA), Real Estate Settlement
Procedures Act (RESPA), and Home Ownership and Equity Protection Act (HOEPA). It will also expose any Predatory
Lending, give your Extended Rescission Rights, and Defense to Foreclosure Action.
Our Securitization Audit is different from a Forensic Audit. While a Forensic Audit looks at faults and violations, a
securitization Audit discloses whether your loan has been securitized, therefore, it isn’t actually owned by your so-called
“lender”.
I’m sure you have heard of CSI (Crime Scene Investigation.) This is a new type of investigation called a Securitization
Audit. It would be good to know just how powerful a well done Securitization Audit can be for the defense of your home
before, during, or after a Foreclosure. What banks hate most is a Securitization Audit, as it exposes their fraud. If banks
hate something, then we love it.
Just like in a CSI investigation, a Securitization Auditor collects and disseminates incriminating evidence concerning your
mortgage using documents that have been filed and recorded concerning the mortgage, analyzing signatures, dates, and
many other items to find fraud that has been conducted by your lender, as well as items of information that should have
been disclosed to you while getting your loan.
A Securitization Audit is done by us and we hunt through the SEC’s database for all public placements, as well as
recorded documents, and your note, looking to find the proof that your loan was securitized. Sometimes our well trained
auditors can pinpoint the actual location of your loan, among hundreds of thousands of investments. This is tedious and
grueling work, as we have to literally find a needle in a haystack of thousands of loans.
What we will provide you in the Securitization Audit is a multi page document that is admissible in court as evidence. This
document will show that your loan was securitized and sometimes what pool your loan is in. Since this information is
publicly available through the SEC, this affidavit is a simple statement of fact, given with firsthand knowledge that backs
up the fact that the loan has been securitized.
Other things we do will be to look at recorded documents such as a Mortgage Assignment, Substitution of Trustee and
Notice of Trustee Sale and we investigate those who signed those documents. Many foreclosure mill attorneys have
resorted to forging the signatures of Bank personnel in order to foreclose on homes. With thousands of robo-signatures in
our database, we can determine if an actual bank employee signed the documents or simply a robo-signer.
As a Plaintiff in a civil action against your lender, you bear the burden of proof to show fraud conducted by the lender. A
Securitization Audit is the best way to do just that. If you don’t bring sufficient evidence before the court in your case, it is
subject to dismissal. Sadly, most cases are dismissed before they see the light of day. The bank would certainly rather
have your case dismissed than be forced to admit their fraud in court. We all know that your bank has securitized your
loan. It’s one thing to “know” they did it, it’s another to accuse that they did it without proof in court.
Many Auditors are making promises to deliver a Securitization Audit in less than a few days. Those auditors should be
avoided. A good audit that can be used in court can take 20 hours to complete. Many companies trying to get into this
new wave of service use software that does the audit and is so poorly done that rarely will you get it admitted as
evidence. The important thing to remember is that banks absolutely HATE these Securitization Audits! And if they HATE
it, we want it. Remember, it is your job to build as strong a case as possible, so that when you submit your case to the
court, the banks won’t appear, because they know they have little chance of winning.
We will expose defects, discrepancies and faults. Our audit investigations reveal foreclosure processes undertaken with
inaccurate documents, conflicts of interest, faulty chains of title, failure to conduct mediations required by law and robosigning;
affidavits and other documents asserting claims without knowledge of the facts or confirming their accuracy,
employees of foreclosure trustees signing documents posing as the corporate officer of multiple banks and mortgage
servicers and signatures that vary widely from document to document. We expose back dating to make it appear as
though the loan was passed from company to company correctly.
The audit can also expose foreclosures where there is no clear chain of ownership for the loan or any security interest.
Default notices that have gone out without all the required information, inaccurate documents, conflicts of interest,
defective processes, misrepresentation and fraud. Such failures potentially injure not just homeowners denied the
protections afforded to them under law, but also subsequent purchasers of these properties, financial institutions who
might be inclined to lend on such properties, and the title insurance companies who insure the chain of title to properties.
Our Forensic Audit combined with our Securitization Audit will give you powerful
tools to win your home “Free & Clear” of your mortgage, then the debt becomes
null and void, no further action can be taken against you, and the note is marked
“Settled in Full”. Call us now to get started.
Gene Fulmer – 800.558.9789
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