US Loan Auditors review: Company reviews 884

He must of got that one from OJ. Hey Shane, maybe the real scammers giving you a bad name are on the golf course, lol...

My apologies...

Was correct about no case being filed for Karen Johnson. It seems the case was filed on behalf of Karen Gardner, apparently her maiden name. Case was filed March 17, 2009. Case number: 2:2009cv00744. It will soon be one year since being filed. Interested to find any progress in this case.

We are clients of US Loan Auditors. We were pretty sceptical of the upfront fees that were being charged in order to conduct the investigation into our loan. However we were drowning under our bills and needed a solution. After several months US Loan Auditors came to us with some positive news and we proceeded with the action immediately. Needless to say their work has saved us potentially tens of thousands of dollars in the long run and our young family will be forever thankful.

Thanks
Jennene

Jennene: You are clients or you were clients? Are you happy you are giving your money to them instead of your lender or saving it? Your writing this telling us about potential? So your saying your very happy this might work but in reality nothing has happenned, so typical but more then likely your not a client, your an employee or associate. We have seen posts like yours before that have praised USLA even though actually nothing has been solved. Let's play along, now why don't you be more specific, has your case been filed? What did they say that made your young family so joyful? Did they say you won't have to pay your bills? Good luck.

My name is Alonzo and I am currently going thru us loan auditors to help me out of this Toxic loan. I have had to pay a huge upfront fee along with monthly fees. I am 3 months vested in USLA. My case has just gone on to an attorney. I am 6 months delinquint in paying mortgage. With hiring USLA I can no longer afford to pay my mortgage. Prior to hiring USLA I have tried to work with my lender, as a matter of fact for a 1 1/2 years I have attempted to work with my lender about this toxic loan. I explained to them that I can't afford this loan and that I was duped and misled. I explained thru letters a day and phone calls 4 times a month. All they did was give me false hope. At that time, the lender indicated that they didn't have their "making homes affordable" program in order. Finally 1 1/2 years later they have their program in order. Guess what? They not only denied me the modification they denied me twice. Two boot they continue to send me the promissary letter with my signature. They won't help me. USLA explained to me their tactics and what they were doing and was gonna do. I had been dipping into my savings to subsidize my mortgage. After 1 1/2 years my savings depleted and the hope the lender gave me turned into No hope. With the final monies from my savings, I have put all of my hope into USLA. I don't want to loose my home. I need some relief!

Reading these blogs have made me seriously nervous. Shane Barker if you are out there, my name is Alonzo I am going thru the Rancho Cordova office. My investigators are ERIC C and RICH A. I believe my case is strong and so do they. My Audit turned up multiple violations TILA, RESPA, ECOA, GLB, FACTA. Please don't let this be a scam! Or some sort of extortion scheme. I am a whole lotta monies vested in USLA and it would destroy me. Could you please peak in on my case and assure that I have a competent top lawyer assigned to it. Could you please give my case "Karen Johnson" attention? My life which is my home is in your companies hands! I don't want to lose! Please empower me to come back to this blog bragging about how USLA saved my life. Please provide me with a success story I can come back with each month there after. I realize things don't just happen overnight. I realize this is a young company. But please be for real! I don't wanna loose.

Alonzo: Everyone is told the same thing as usla told you. Do you think Eric and Rich have knowledge of the law? It's illegal for them to be giving legal advice, they are not Lawyers. Try short sale, good luck.

hey ND of usla, why don't u answer some questions? why did u run? im not who u think i am.

yes i have been reading the comments here, today is my first post in over a month. So Lopez, badscammer, ND or need help or barker or whoever u are with usla, why dont u tell us how ur case is doing? im sure your lender is running now, right? Because i dont need any revenge, i will let the ca bar and lawsuits decide what is real. Go back and answer the questions and give us another laugh u sorry piece of crap.

You forgot to mention Alonzo, another misled person by your car salesman acting as Lawyers. Did you mention that is illegal?

I really like AM65, so glad they did the right thing and pulled the US Loan ads. A good friend of mine said dozens of calls came in complaining and they don't need US Loan's money. Thank you AM 65 Sac. If they can't settle Karen's case, the rest of you...

Alonzo wrote: "My investigators are ERIC C and RICH A. I believe my case is strong and so do they. "

It would be nice if Legal advice came from Lawyers and not EC and RA whom are not Lawyers.

And you did run, many here asked you questions and you still keep telling lies.
And since your a chicken to tell us the truth and who is paying you, yes you are a low life. Why don't you start and tell us who you really are?

BDraper, you are brave to make a comment here, I would not call anyone a liar before it's proven, let's wait and see. Every comment here is protected by the 2 usla employees that commented on you. Whom both have been very dishonest.

And only a Lawyer can tell you if you have a strong case. period.

Hi there. As before I am asking this questions again. Is there anyone else that signed up 4 months or more and have been paying $1000 per month, being assigned an attorney and their case been filed. Please, Please if no attorney been assigned say so but no excuses.

Thanks

I just don't see too many Judges ruling in favor of the distressed homeowner or all of us will come out of the woodwork that are making sacrifices to make our payments with unhappy loans. It was Bush and Obama that bailed out the banks and gave them the power. Flooding the courts with lawsuits will only work in extreme cases. Judges have to think about the people that looked at what they were signing. Fact is, people knowingly got in over their heads from the get-go, and are just as liable as the laws, programs and banks that placed them there. A homeowner is charged with knowing what he/she can/can't spend, and if they did it with hope they could instead of KNOWING they could, it's unfortunately their own fault. Don't sign the dotted line if you can't fulfill what your signature demonstrates as agreeing to. The math and common sense is not hard.

Grow up, be mature and be responsible for what you agree to legally.

Otherwise, stay in an apartment until you wisen up!

FatMike,

Iv'e seen some of your one sided statements on other websites. And you've only posted one complaint on this site so I'm assuming you're just passing by never to come back.
So, if your a broker, loan officer, or fraudster it's too late in the passsing years to play the home owner criminal card. Give it a rest. Granted there have been many of borrowers who played it as a game. But the the scams are mostly from all who had knowledge in the realestate-financial industry.

Here a little video to educate you.

http://www.youtube.com/watch?v=6khYSTqHrqM "Road to Ruin: Mortgage fraud brewing scandal"

Oh and don't try the "This is only one company excuse." -Mortgage Fraud could only be comunicated nation-wide by brokers talking to brokers via the internet.

If you like to learn more without trying to study. This one is cleaver.

http://www.youtube.com/watch?v=ljHjZpC7bnc " Mortgage Servicing Pie"

And plus Mortgage fraud-Dateline NBC-"Inside the financial fiasco" Part 1-6 on U-tube if you actually got an hour to kill.

Steve ive seen your angry comments before, we are even. We can agree and have a conversation, yes there are mortgage fraud's out there, but what matters is what judges are ruling and they have homes too and signed on the dotted line. If Judges were ruling in favor of the homeowner with all these cases, don't you think the Lawyers would be scambling to take these cases, or do you think a middle man, USLA is the answer to shop for a Lawyer? You made some good points, id say talk to a Lawyer, but please don't be so stupid that you pay money up front and fees to a middle man like all these idiots are doing. Like I said before: The math and common sense are not hard.

FatMike,

I have spoken with many of lawyers and for the most part they say it is going to be a long and expensive process but they are willing to take on the cases. But as I said before I took my docs over to my Disrtict Attorney to be look at. As in the video-"Road to Ruin" - it aint no lie that these incomes were increased behind the borrowers back up to three times. So it always rubs me the wrong way to see post about legal responsibility when some borrowers were truly decieved. All we can say is yes judges have to look at what was signed but they also have to do the math as well and acknowledge there is just no way this loan should have ever been processed.
Anyway, I would love to get into the specifices and openly discuss the merits of what actually consitutes fraud in a loan. But I'm sure if we started Need_Help will wipe down the podium and brush off Mr. Barkers suit so he can make another speach.

Steve and FatMike, it's better that you don't acknowledge "Need Helps" posts. Just ignore him like the rest of us do. I'm assuming he probably is rearing his ugly head again because some unfortunate idiot posted his bail somewhere. Once he goes off on another drinking binge, we will all find peace.

Mr. Barker,

You finally reappear on this forum to argue the pressing topic of...RADIO ADVERTISING?

Are you that much of a sociopath? (quick shane, google the word "sociopath".)

Just 25 short-days ago, Shane Barker, Co-Founder of USLA stated:

"Proof is on the way...so please quit asking me the same questions over and over. If you give me time to get my documentation all together that would be appreciated. It is not an overnight process."

-In the length of time it takes Mr.Barker to go through a whole prescription of Propecia, he still needs more time to gather and submit his "proof".

Thank you for finding time to respond to questions of pulled radio advertising... You blew the cover off the biggest advertising story since the great "Bus Stop Ad" scandal of '79. Thank you sir. Every USLA client can sleep better, knowing their money is being funneled right back into proper advertising.

In the meantime, the CEO; ducks, dodges and dives real questions.

JR's client,

So I guess I will chime in...I began this process and did my homework with lots of research. All loan applications are different and were done with different people and different banks and different circumstances. Many were illegal like mine. My loan was late in the preditory lending period and so it never got sold to a lot of servicers. I pray that my efforts are not wasted because my loan is not sustainable and after 8 months of trying to modify under the HAMP program, I am now trying USLA. I like my guy there and he has given me lots of attention, calls, and even let me visit face to face with him at their new office. There's a game plan for this effort and I am going to trust them because I have to finally learn to stand up for myself against this crazy IndyMac, Fannie Mae, loan. I really want to keep my home and I am trusting this company, my USLA rep, and God to see me through the process. I don't have an answer for my forensic audit yet, but it's early. I will look foward to meeting with my lawyer assigned to me and get this done as quickly as possible. I know it could take 6 months to a year, but my home is worth it.

Jarrod Lamar, are you serious? I heard you work at US Loan Auditors and your a manager to be exact. That just confirmed my thoughts about this compnany because you are a scam. Try to get a job at a company that does a background check Jarrod and see what happens. We both know that you won't get the job nor will you even apply at a company that does a background check. If Mr. Lamar is the type of people that US Loan Auditors hire, then I could only imagine what's going on at that company. A bunch of people that couldn't survive the mortgage business so what does that tell you. People that did nothing but Pay Options loans that couldn't get a referal in todays market because they burned all their customers. What a joke...

I agree with Dylanm's last comment, "Is there anyone else that signed up 4 months or more and have been paying $1000 per month, being assigned an attorney and their case been filed. Please, Please if no attorney been assigned say so but no excuses"

FatMike and Everyone else that is thinking of doing business with this co. I asked a very simple questions over 11 days ago but seems NO ONE has been helped or assigned an attorney to file their cases. Even tho I was told this will not happen by My house is being trustee sale next week because not case was file since Oct. 09.
So I will be filling out a complaint with CA A/G office and BBB to recover all the money.
Also I found out that US Loan Auditors is : NO, "US Loan Auditors" is NOT a registered Foreclosure Consultant. Per A/G website seach. http://ag.ca.gov/loanmod/search_results.php

we are VICTIMS of USLA. I have rear and re-read all of the post from beginning to end. What has happened to us totally blows away ANYTHING that has happened to ANY of the USLA clients, (ten fold). I am trying to resolve my issues with them as we speak. If I do not get satisfaction, I will be contacting the Attorney Generals office and filing a formal complaint.

A police detective I know once told me that the makings of a good scam vs a not good scam, is that a good scam does involve a certain degree of truth which can be proven to be true, but that's where it ends and the lies (bait) take over, and lead you to believe the rest of the story is true or can be expected to come true. People in general, for the most part, by nature, is to believe and trust in others, especially when they are in need of help and help is offered.
So far, we have gotten some help by USLA and the rest of what they promised has never been addressed, even after repeated phone calls and emails.

What I know and have experienced with this company would blow your minds. I have refrained from any type of posting until I give them a fair chance to resolve my issues. I believe that the damage that has been done to us is irreversible at this point and a lawsuit against them may be in order. I will give them a little more time to resolve my issues satifactorily or both the A.G. office will be notified and the law suit will be filed.

I will then post all of the information to this site along with my identity and if possible, scanned copies of my documents from USLA to show that I am who I say I am and that I speak the truth. If what I know gets out, USLA, well, the truth will speak for itself.

I will keep watching this site as I find most of the post to be pretty accurate on the complaint side. Items I can relate to are:
1) why are audit fees based on the loan balance when the exact same amount of work has to go into each audit? This is discriminatory business practice.
2) why do ACH fees different from client to client?
3) If USLA does the audit, you pay for it, why are they continuing to receive monthly fees as there is no case manager or point of contact. The case is assigned to an attorney after the audit?
4) Why dont the assigned (outside) attorneys ever call the client or correspond with them?
5) We too, have paid for audits, never received them and no cases filed in court on those properties, so far, after many months of having to have paid for them. Never received the audit and USLA avoids or has no answer as to why!

I will get back to this forum as my contact with USLA evolves.

salmondean, u r getting closer and closer, as is each one of you who post.
here are some facts about USLA that I can personally attest to:

1) the salesmen are just that and dont know their ### from a hole in the ground. They want their commissions and will tell u anything and fluff it up just to get that commission. After you pay that and it clears their account, the sales rep slowly slips into oblivion.

2) assigned (outside) lawyers never call or return your calls (in most cases) Some lawyers that they assign cases to have recent BAR disciplinary cases.

3) Cases are now being assigned to State court rather than Federal because judges are favoring the lenders AND the amount of cases for Predatory lending has increased more than 125% from last year in Federal courts and the judges dont have time for it as each case is handled in it' s entirety by 1 judge vs State court by 3 judges.

4) Why is anyone paying USLA after the loan audit? for what reason? what are they doing for that monthly fee?

5) U r told a lie that your home cant be foreclosed on because a "TRO" temporary Restraining Order is placed on it and the lender nor anyone in connection with the lender cannot contact you or come onto the property.

6) You are told that even if the lender happens to foreclose, that there is a Lis Pendens filed when your court complaint is filed and that will cloud the title and not allow the sale to go thru at the title company.

7) They take your money for the Audit, never do the audit and never file a complaint in court and have no answers for you as to how that happened, even though you have been in contact with them numerous times about that and they continue to go month after month stating that they will check into it and get back to you. They never do.

8) You are told that because there is a TRO placed on your lender, neither you nor they, are allowed contact between each other, that includes attempting to making payments or u break the terms of the TRO. So dont make anymore payments. And, that is why they originally try to get you to pay them 1/2 of your monthly mortgage payment.

9) they promise you either to greatly reduce your mortgage principle with a new loan from the lender for 30 to 40 yrs with a fixed interest rate of about 4.25%, or wipe out your loan entirely. Additionally, get returned to you, illegally paid interest payments, escrow fees, agents commissions, all of your legal fees that you paid to USLA, damages and more. They never tell you, (initially), that the outside attorneys are basically working on a contingency basis and get part of your case settlement. They (initially), lead you to believe that USLA is THE LEGAL TEAM that is representing your case. NOT SO!

10) The USLA salesman tells you that they "Have never lost a case yet" but they wont give you any names of any former or current clients based on "confidentiality" Why not! This would only bring them many more clients if their claim to fame is true!

11) They also perform a "property tax reduction" service called prop8.org The county tax accessors office states very clearly that to "Beware of ANY company or person whom tries to offer you this service. You can do it yourself for free by contacting the county tax assessors office for forms and instructions."

There is more to come but that covers quit a bit of it for now. I think that USLA's intentions may have been good, initially, but improper or non-comprehensive salemen training, excessive & rapid company growth, unqualified personell and leadership at all levels, not structured correctly to address customers needs and lack of follow thru at all stages, and allowing sales reps to continue to make false promises and represent the company in such a manner.

USLA needs to admit their faults (they wont) and try to correct them and make ammends before it's too late. I feel the end is near for this company and a lot of people are going to get burned out of their money, us being one of them, unfortunatly. (I hope not)

AND FOR ALL OF YOU WHO HAVE THE SAME EXPERIENCE(S) AS ANY OF THE OTHER POSTERS HERE, REMEMBER, SLANDER IS NOT NICE AND COULD GET YOU INTO TROUBLE. FREEDOM OF SPEECH IS A RIGHT. SPEAKING THE TRUTH IS NOT SLANDER AND WONT HOLD UP IN COURT IF USLA TRIED TO SAY YOU SLANDERED THEM.

SLANDER IS WHEN U LIE OR STRETCH THE TRUTH IN A DEFAMITORY SENSE.
STATING THE ACCURATE TRUTH IS PERMISSIBLE AND IS NOT CONSIDERED SLANDER AT ALL AND WILL NOT HOLD UP IN A COURT OF LAW. I, TOO, WILL NAME NAMES AND GIVE SUPPORTING DOCUMENTATION OF EVERYTHING THAT HAS GONE ON IF USLA DOESN'T CORRECT MY SITUATION WITH THEM, IMMEDIATELY.

ON THE OTHER HAND, IF THEY DO CORRECT THE SITUATION, I WILL ACKNOWLEDGE THAT IN DETAIL AS WELL AND STILL DIVULGE MY IDENTITY (I AM A CLEINT OF USLA) AND I WILL STATE WHAT THE PROBLEMS WERE, HOW THEY WERE CORRECTED AND WHOM EVER HELPED ME FROM USLA TO CORRECT THEM.

THIS SEEMS TO ME TO BE A FAIR DEAL FOR EVERYONE ON BOTH SIDES.

WILL RETURN VERY SOON.

one thing that we all overlooked was the very first post (about USLA) on this complaint board.
the date is 10-27-2007

The complaints keep rolling in. WHY?
If they were doing what they promised, I dont think complaints would continue to roll in for this long?
anyone agree? of course so.

alethia.now,

You wrote:

'They also perform a "property tax reduction" service called prop8.org The county tax accessors office states very clearly that to "Beware of ANY company or person whom tries to offer you this service. You can do it yourself for free by contacting the county tax assessors office for forms and instructions."

-This is from my previous post:

"Mr. Shane Barker graduated from California State University Sacramento in 2003. He has been very successful. He is Co-founder of "Prop8 Associates", " Cashout Options", "Equity Flips", "Bailout Help" and maybe more, and now Co-founder of "Us Loan Auditors":"

-Mr. Barker has a new company every year or two. He is always on the cutting edge of taking peoples money for a service they MUST use... then moves along. If you did your research before signing on with them you may have detected this. www.Prop8.org has Mr. Barker all over it.

Don't got the time, so someone else speculate on this info:

Jeff Pulvino: Co-Founder/President of Prop8.org, also Co-Founder of Equity Flips and works with US Loan Auditors. Seems they're a dynamic duo.

Don't really mean to kick a wounded dog(well, yes i do), but anyone smart enough would never have gotten in bed with these bums.

I call it like it is, salmondean. Please continue to chronicle, but clean up you posts a little bit. Remember... the reason you signed on with US Loan Auditors is the same reason you signed the dotted line on a shady loan. Time to question everything...including all your decisions.

WoW! Some morning this is turned out to be. See I am a client also. You didn't really think I was posting for my health. I did say over a month ago USLA uses lame computer audits. I wasn't kidding. alethia.now - you said it. Went through exactly everything you said. I'm mean exactly. They say anything do nothing. They advertise themselves as lawyers and send out a copy of Jim Sandersons credentials to demonstrate proof. Anyone else get a copy? They say they have "in house lawyers" but you'll need a loan investigation performed first prior to speaking to one. And they do advertise stopping the foreclosure.

So YES, tried to get attorney representation but instead watched my auction date come and go as my home got sold to another bank. And I faxed over every notice sent from my lender prior the auction. But I'll I got were e-mail copies for Trish to file. Did ya file my "Notice of Trustee Sale" Trish? Good Girl.

After the the auction they say they tell their clients how to respond to the Unlawful Detainer but when the Detainer notice arrives they say we no longer provide that. That it conflicts with are lawsuits. What lawsuit! Months go by and I haven't even spoken to an attorney yet. Or maybe I have? You just don't know for sure who your talking to.

So today I recieved my eviction court date. March 19th. I had taken in older homeless woman, now weeping with no place to go. What can I say. As I posted before I gave up on USLA and went to my D.A.'s office for help. But they told me they can't stop a Calif. foreclosure. And unemployed for over a year and I was planing on using my savings to pay USLA but I'm glad I wised up to that. Sure I thought too USLA had good intentions but now look what happens when your goal is to just gather up clients.

Moving on. My question is...Are USLA foreclosure consultants?

See Civil Code Section [protected].11 A MUST READ

http://info.sen.ca.gov/cgi-bin/displaycode?section=civ&group=02001-03000&file=2945-2945.11

2945.1. The following definitions apply to this chapter:
(a) "Foreclosure consultant" means any person who makes any
solicitation, representation, or offer to any owner to perform for
compensation or who, for compensation, performs any service which the
person in any manner represents will in any manner do any of the
following:
(1) Stop or postpone the foreclosure sale.

Now lets look at the video commercial...

http://www.youtube.com/watch?v=bdVkjV6rBQs

Stop the foreclosure you say?

For now I'll let others read the statue and let them decide. Wouldn't want to suck up all that slander for myself at a complaints board.

Plz note: Everyone read the comments now, barker has a habit of making sure they are gone soon. Or he will turn lose need help to discredit what you wrote. USLA is very consistent in their sales, we were all told the same thing. "you have one of the stronger cases we have seen" "we only take cases we know we can win" "stop making payments to your lender" "never lost a case yet" and on and on...When are some God fearing honest USLA employees going to do the right thing over making money off of scamming distressed people?

Come on folks, this has to be a group effort, be legal and proactive, you have the right to complain to anyone that airs their ads, and then the BBB, CA Bar, Attorney General, sac bee...

"Here is what I need...if you are a "TRUE" client put your name on your postings. "

Hey loser: you claim to be a real client, why don't you post your real name?

You just lied, LaMar posted his real name. Your the one that is scared,

so who are you? what do u have to lose? don't be scared.

Did you write that to yourself?

Just as I wrote, watch for this idiot to try to discredit what you write.

Need help: that's why your company has a Lawyer, not to check the Audit's, but to make sure your company is covered legally from Lawsuits. That's why your salesman always say, "I can't say this from a legal aspect, but if I were you..." That's why USLA's Lawyer will never talk to the client, then it would be legal advice. But if it's legal or not, it's very unethical and wrong, and dirty.

But once again, I wonder why you hide behind your handle?

You just proved that you are with USLA by posting my name. That my friend my cost you. Now I will go to my Lawyer.

Im not trying to fool anyone, I have the right to hear about others going through the same thing i went through, I lost my home because of you, you would not even fed ex my papers back, u tried to make me come in and sign papers. U wanted to know who was coming with me. So now we all know it's you acting like this need help person, your the dishonest scammer.

I can tell you that most of the complaints here are not from me, I have the legal right to support and give advice what happenned to me to help them from the same problems. It was you that was making sure I kept coming back by using my name over the past month and accusing everyone that made a post as me. I see now that you are acting as someone else besides need help that you are a phoney as your company. You had your chance to stop talking about my case but u didn't. You still won't be honest and tell us who you are. Don't worry about what I do with my life, it's very productive, I don't rip off or scam people. Look who is talking, don't u have anything better to do? Im just proactive, i warn others to not go through what i went through.

It's over when you stop accusing me of making comments here and when you stop using my name here. Like I said before, practice what you preach, come out and tell us who was making those rude comments the past month, who was the author of "need help"?

So Need_Help - So let me get this correct, you are saying that any client of USLA can cancel their contract (but no contract if USLA did not sign) and get their full refund.

Thank you

alethia.now

You have described exactly what I have experienced as well! I would love to name the person that I spoke with, to save anyone else out there the heartache that I would have experienced too, had I not stumbled upon this site.
First off...I want to thank everyone for sharing there experiences. My wife and I prayed about this, and for the others who got sucked into this ugly mess. These posts were very helpful in my decision making process. Secondly, I have never posted anything, anywhere before, but this hit me over the head. If my saying anything rings true, to anybody on the fence about making a decision as to which way to go, I hope this helps!
The decision to get on board with any company that promises you the sun, the moon and the stars is attractive to anybody and everybody, who is in a financial bind. It always amazes me how people like this surface to screw others that are already hurting, in a time of need If this turns out to be one of them, I believe, and I have seen it many times. "What comes around, Goes around" I really hope this turns out to be the opposite of what everyone thinks it is. Since misery loves company, just because I didn't get on board with the program, doesn't mean my financial situation is easy. It is just the opposite. I just couldn't afford to pay out 9k plus $2400/mo. I stumbled across this site for a reason. If it helps just one person to not get screwed, I am happy.
So the "salesman" that I spoke with, said in his pitch, that it will take 6-9 months, to complete the process, but it will be well worth the wait!
When I asked him "What is track record? His answer was we have won 100% of our cases.
So I asked how many is that? His response was "We have over three hundred cases going."
So he asks who is your lender? and I tell him, "Wa Mu".
He immediately responds with "We have a lot of cases with them, and Chase too."
But he said "We will not take a case that is not winable."
So I told him, that before I sign any contract, I need verifiable references. He says "No problem".
I have yet to receive any references as I am writing this, and it has been almost 2 weeks.
(All signals say STOP...even though I wanted so badly to believe in this guy)
But I still had hope.
Then one day, I decided to black out my SS# and send over the last 2 years tax returns along with the the rest of the requested documents, So I called to get a fax# for him and he tells me that he just landed in sunny San Diego where the temps are in the 70's and beautiful and he'll be there for a week, and the weather where I'm living is for ducks. ( strike 1 )
I can take a joke just like the next guy, but I'm thinking this guy wants me to dole out 9k up front
and he's boasting about being in sunny San Diego. Now how in the hell does he think that's gonna make a guy feel.
Well #1: He's got no empathy ( not sympathy ) but empathy, for a guy who's going through a tough time financialy...emotionally...and every other feeling you have when you're down on your luck!
I received my solicitation via the mail saying I had 24 hours to respond. "Come on" ( strike 2 )
The advertisement was so good, I called. This "salesman" was smooth as silk, except when I heard him say instead of paying my mortgage I should stop paying my mortgage, and I'd ONLY have to pay 1/2 my mortgage payment to them and stop paying my $4800/mo to the lender.
Sounded GREAT! My wife and I were feeling "there is a way out of this nightmare.
She being the skeptical one ( thank God ) we waited. But I got all the documents together that he requested...slept on it for a couple of nights. It was consuming my thoughts until I reluctantly shared my entire financial situation with a good friend. His advice was to go see an attorney. So I made an appointment and paid this attorney $250. That was it. My decision was final! He said that once the bank files for bankruptcy, they are no longer on the hook for any loans that they made.
Has anyone out there had there loan through Wa Mu? I did and the attorney told me, looking
at my note, and all of the paperwork from the transaction, that he could have gotten my note rescinded except...since Wa Mu went broke and filed for bankruptcy, all bets were off and that, basically, I was screwed!
So if anyone else out there isn't with a bank that went belly-up, then it's worth a visit to an attorney...it can't hurt. Be it true or not regarding getting my note rescinded, ( he's got nothing to gain by lying to me), it sure beats the hell out of waiting, not knowing for the next how many months?

Personally, I'm going to sit on the sidelines and wait this out.
Good Luck to everyone! I hope eventually that all the people that signed up, that you recover at least, your initial investment along with all your monthly payments back where they belong in your pockets...and if they are guilty, that they get found out sooner than later
and end up where people like that belong...in jail!

as I stated earlier, I will reveal my identity soon enough. I am going to continue (for a very short time) to resolve my issues with USLA.

One of 2 things will happen after my attempts:

1) They resolve our cases with them to our satisfaction, which means that they keep their promises they originally made to us. (actually, they cannot reverse a completed foreclosure sale, so that I dont know how they plan to remedy that situation, especially after 8+ months of being paid for the audit, having never completed it, hence, never filed a Complaint in court.)

2) They DONT resolve our cases and continue to give us the runaround. I will go to the A.G. and file a complaint and look into a class action suit.

In either case, I will report the good or the bad and be 100% open and honest about everything. I have all documented proof and will share that. I see that it is possible to upload items to this site.

We can pretty much assure all of you clients or ex-clients that NO ONE has lost more than us, thus far, by dealing with this company. Yes, we too, also got a copy of Sandison's Bar report. If I researched correctly, I see that he has only been a licensed real estate broker since 8/14/08. We were told that he was a real estate attorney for 17 years and THE Sheriff of all of Sacramento county for 19 years? I did not verify this as to be true. These are things that the salespersons use to make you believe in their services of USLA. I dont know where they get this info but they should not use it to promote their services if it is not true. This info is public record.

On the page given to us by USLA entitled "What is included in a forensic Loan Audit?" states that Us Loan Auditors Forensic Loan Audit Includes:
item #6 states "Consultation with an Attorney to determine his/her Legal Opinion and next-step recommendations."

On the next page entitled "What can US Loan Auditors do for me? in the section "During Litigation" it states the following:
Monthly payments are reduced by up to 50% during litigation
During Litigation, the lender is not allowed to:
Report to the credit bureaus
Foreclose
Contact the borrower

One of our cases was filed in Federal Court, the lender was sent a "Qualified Written Request" and a copy of the Federal Complaint, but they still foreclosed on our home, evicted us and changed the locks.

We were told by the salesperson that the eviction and foreclosure wouldn't happen and we apid a "Rush fee" to make sure we got into court asap in order to ensure that no foreclosure would happen and that a TRO would be placed against the lender. NEVER HAPPENED!

We kept in constant contact with our salesperson and USLA, (as best we could as the salesperson would take days or weeks to return emails or phone calls and either give us the wrong info or no info) We immediately faxed or emailed every notice from the lender to USLA and confirmed with them that they had received it and "were on it"

We were originally told that if we were ever served an "Unlawful Detainer" that USLA lawyer would represent us in court and the lawyer would ask to have the case either 1) dismissed, 2) continued at a later date, 3) combined with the Federal Case.

After the Unlawful Detainer was served on us, we were told that they no longer offer to help their clients with preparing an "Answer to the Unlawful Detainer" because this was a State Court handling that issue and our case was in Federal Court and that USLA doesn't t get involved with State Court issues. We were told that we had to file and pay ($410) with the court on our own.

If USLA is suppose to help you retain your home, reduce principle amount, lower your interest rate, get loan fees, interest, attorneys cost, damages, remove derogatory credit reported by the lender, what do they plan on doing for the people that they failed to help and where the lender has foreclosed and gained possession of the property?

Again, why are clients of USLA each paying various Loan Audit fees as well a varying monthly fees. In fact, again, why is any client paying any monthly fees when USLA has assigned the case to an OUTSIDE attorney whom is doing all of the work on a CONTINGENCY BASIS? There is nothing that USLA is doing on any persons file once it gets sent out to the outside attorney. USLA legal can give you dates and times that your case went to court but they dont know the status of the case or the first hand information that the attorney is working with as far as how the case is progressing.

MORE TO COME

NH - Sorry about my english but with ;your proper English and all insight of this company -me think u are an employee.
So stop you BS