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Credit Education Consultants is not a law firm. We are pro-consumer advocates and educators dedicated to helping our clients by providing services as described on this web site. If you need legal advice, please contact an attorney.
Credit Education Consultants has partnered with a proprietary company offering examinations of your appraisal and mortgage documents on properties located in the USA. A non-disclosure agreement is required. Exams are done by a legal professional with a J.D. (attorney or former Judge) analyzing your original closing documents and appraisal for predatory lending violations including:
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ILLEGAL SECURITIZATION
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RACKETEERING AND CORRUPT ORGANIZATIONS ACT (RICO)
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APPRAISAL FRAUD
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NOTARY FRAUD
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FAILURE TO ESTABLISH CONDITIONS PRECEDENT
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REAL PARTY IN INTEREST
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UNCONSCIONABILITY
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FAILURE TO STATE A CLAIM
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BREACH OF CONTRACT
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FHA PRE-FORECLOSURE REQUIREMENTS
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UNFAIR AND DECEPTIVE PRACTICES
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EQUAL CREDIT OPPORTUNITY ACT (ECOA)
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TRUTH IN LENDING ACT (TILA)
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REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA)
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HOME OWNERSHIP AND EQUITY PROTECTION ACT (HOEPA)
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This comprehensive examination takes up to seven days to complete from when payment clears and is labor intensive in checking for violations of the above. Based upon what your unique exam contains, the exam is prepared to be used by your own skilled real estate attorney specializing in utilizing the report for a pre-court settlement with the Lender’s Legal Department and is used on the offensive to negotiate punitive damages if applicable. Some clients are winning their homes free and clear, and some are winning up to treble damages based upon their exams and the skill of their attorney. Everyone’s exam is different, and it is possible your exam may not contain serious or any violations.
NOTE: This is not used for a loan modification, which typically lowers your interest rate for a few years and tacks the money on the back end, making your already overpriced home cost even more. Most loan modifications fail as a result. Loan mods typically have you waive your right to an exam for predatory lending. Courts have ruled that attorneys, who only provide a loan modification and failed to look for foreclosure defenses, have committed malpractice.
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Legal Expert Document Examination Mortgage/Appraisal
Top qualities: Great Results, Expert, Good Value
“Laurie is the best at what she does; you will find no other individual in the business of restoring credit, who knows more. Laurie has done work for me in the past, and in each case I have been asked where did you find this lady, she is OUTSTANDING!!! Great Value, Hard Working, and Dedicated....” - J. Pappa
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