From the New York Times Article, Two States Sue Bank of America Over Mortgages in December of 2010 –  “Former employees said that Bank of America’s modification staff was “chaotic, understaffed and not oriented to customers,” according to a news release. One former employee said, “The main purpose of the training is to teach us how to get customers off the phone in less than 10 minutes.”

“Another employee said, “When checking on a borrower’s status, I often found that the modification request had not been dealt with or was so old that the request had become inactive. Yet, I was instructed to inform borrowers that they were ‘active and in status.’ One time I complained to a supervisor that I felt I always was lying to borrowers.”

From an email that Tila Solutions received from a former bank employee:  I have just in the last 2 weeks resigned my position from one of the top 3 banks in the country. I  had been working in the Prime Mortgage Department talking to hundreds and hundreds of delinquent homeowners,  who have been anywhere from 1 to 18 plus payments delinquent and/or in various stages of loan mods, or declined for loan mods.  I have been one of the top performers in that department, earning monthly bonuses, and then just recently, I was recruited to work on the foreclosure affidavit re-views and to re-work and an re-submitt them to continue the foreclosure process.  I am sure you’ve been reading in the newspapers about that mess and a lot of it is true.

In talking with hundreds of delinquent homeowners, it has just blown me away, at how unaware they are of what is going on and how they believe everything they are told by the employees of the banks.  

From an anonymous phone call by a BofA Employee to Tila Solutions:  “BofA finds ridiculous ways to disqualify people for loan modifications, one trick is to tell them to send in a list of documents, and then disqualify them because they didn’t send in one document – which was never asked for by the bank in the first place.  Another trick they have is to disqualify anybody that has some extra money in savings.  BofA currently has 80,000 files for loan mod from last December that they are just getting to.  Oh and by the way, it only takes two days to do a loan mod.”

From a homeowner who called in to Tila, “I was referred to your company to get help on my loan mod.”  When asked who referred the homeowner, they said that they were not supposed to say who, but that it was from a person who worked inside BofA and knew of Tila Solutions, and told the homeowner that if she really wanted to save her home to call Tila Solutions.

The reason Tila Solutions is able to effectively help save homes is because they know how the banks operate.  They know the banks lie, cheat, mislead, and outright steal people’s homes.  For these reasons Tila begins all new cases by investigating the bank’s loan and or foreclosure either with a Forensic Audit or a Securitization Audit.  They make it clear to the bank that the homeowner is not in the wrong, the bank is.  From this groundwork they then move through all the bank lies and deceit and get that homeowner a loan mod.

Often other Audit or Loan Mod companies fail to get the job done simply because they too are a) believing what the banks say, and b) they don’t have any negotiations power.  Tila does not operate that way.  Listening to and believing the banks is the best way to lose your home.  Instead, get smart.  Get Forensics and/or Securitization audits done by Tila Solutions and have them negotiate with the bank for you.

Tila Solutions looks out for you.  Their audits will prove you were wronged and they will use those audits to help you get a loan mod.  A Tila Solutions Consultant is available for people by telephone at  (702) 508-0335.  Or you can visit the Tila Solutions website at www.tilasolutions.com.  They will help you and your family.  They are on your side.

Tags: BofA, Bank of America, loan mod, loan modification, foreclose, foreclosure, Tila Solutions, Tila, loan, audit, fraud, forensic audit,  Securitization Audit, fraudulent loan modifications