forensic mortgage audit
With forensic mortgage audit and forensic mortgage audit with Charles Cox,
I help you with short sales and mortgage modifications to help you keep your
house. I also have a lot of information on defending your house in
being able to fight the lenders with
preparation of property and documents you don't have to pay a lawyer to
do. Otherwise, I can suggest you talk with an attorney versed in
defenses that are available. We do unbundled, a la carte real estate brokerage for homes in
the county, Monterey, Santa Clara, San Mateo, San Benito, Alameda and San Francisco
Counties including all Silicon Valley and can help you keep your house or get
rid of it at less than you owe. I am a paralegal, legal document
assistant and real estate broker. RESPA, TILA, HOEPA, HUD, forensic
mortgage reviews, pro se, in pro per, self represented help and information along
with self-help books available. call for a free consultation. Chamber
of commerce, licensed, bonded and experienced. We help you fight to keep
your home!
forensic mortgage audit
In order to help
you help yourself, what us might do for you is assist you in the preparation
and filing of documents for: Uncontested Divorces Child Support and Custody Separations Wills and Living Trusts Step-Parent Adoptions Name Changes Durable POA of Attorney Wage Assignments Notary Public Uncontested Divorce Separation Paternity Orders to Show Settlement Agreements Expungements Small Claims Health Directives POA of Attorney Qualified Domestic Relations Orders Construction Liens Writs of Executions Wage Garnishments Court Filings
Mediation Jobs Notary Jobs Draft Pleadings Draft Discovery Requests and Responses Prepare Deposition Summaries Prepare Trial Notebooks Research Public Records Searches Record Retrievals
property
documents Unlawful Detainers Child Support and Custody Wills Trusts Step-Parent Adoptions Name Changes Living Will - Health Producers of Attorney Othis Civil and Criminal
documents property Planning document Preparation property documents. The
staff at Cox and Associates are not attorneys and do not give advice. Charles Cox
131 Sutphen St. 95060
(831)
466-3440
LDA REG.#30 County What is a document
Assistant? In January 2002, a new law becomes
effective whereas all independent paralegals are now know as document
Assistants. A document Assistant is a highly trained, knowledgeable
professional who is able to help you represent yourself for most of your
needs. Cox and Associates Jobs offers a supportive environment...Us
understand this might be a time
of stress and anxiety and us offer confidential and professional assistance.
Cox and Associates Jobs offers you a low-cost non-attorney
alternative,
while you might make intelligent choices for your very own situation. One visit will usually be
sufficient for you to be able to handle most matters. Why use a document
Assistant? Even the best self-help
books might be confusing and overwhelming.
document Assistants work with you so your documents are completed
professionally and meet your deadlines.
"Our purpose is to provide
low-cost access and assistance for everyone.
The system is expensive,
confusing.
Our goal is to provide the help you need to help yourself."
....Charles Cox,
Broker,
document real estate broker
Charles Cox received his
certify from the University of San Diego Lawyer's Assistant
(Para)
program. This
program is approved the Am. Bar Association.
He has been a resident of the
County for over 55 years.
Member:
Association of document
Assistants.
Cox and Associates Jobs
wants you to be completely satisfied with our jobs and offers a money-back
guarantee.
The document describes the Senior Citizens Jobs
program in the state, which provides jobs to the
elderly poor with the assistance of senior citizens who act as
assistants. Among those involved in the Senior Citizens Jobs are the
following staff members, whose duties are outlined: office assistant,
assistants, attorney, and college student volunteers.
We conduct a
thorough review of all your mortgage documents. We then compile a list of
RESPA (Real Estate Settlement Procedures Act) and TILA (Truth in Lending
Act) violations and forward them to our legal department. You need to
submit copies of your most recent mortgage to us, so that we can determine
what causes of action you might have against the lender.
Code of Federal Regulations,
California Business
And Professions Codes, Federal Deposit Insurance Corporation
Consumer Protection,
Real
Estate
Settlement Procedures Act (12 U.S.C. 2601
et
seq.), Truth in Lending
Act (TILA),
15
United
States Code 1601 et
seq, California
Business
&
Professions Code 10241(C)
-
Good Faith Estimate,
California Business And Professions Codes
10240-10248;10241, 24 Code
of Federal Regulations 3500.6(a),
REAL
ESTATE SETTLEMENT PROCEDURES ACT
(24
Code of Federal Regulations 3500.6), California Civil
Code
Section 1916.7 10 (c),
Fair and Accurate Credit Transaction Act of 2003,
CALIFORNIA CIVIL
CODE SECTION 1918.5-1921
-
Adjustable Rate Mortgages 1920, Office of the
Comptroller of the Currency
Guidance Letter AL 2003-2,
Office of the Comptroller
of the
Currency
Guidance Letter AL 2003-3,
California Unfair Competition Law, CA Business &
Professions Code 17200,
California
Unconscionability Law (CC 1670.5(a),
1770(s)),
California Rescission Law for Fraud, Mistake,
Undue Influence,
Breach,
illegality,
(CC
I
689(b)), Federal Trade Commission See 5 - Unfair Business Practices - Deceptive
Business Acts, Predatory Lending -
Unfair Business Practices -
Deceptive Business Acts, Rescission for Fraud,
Mistake, Undue Influence,
Breach,
Illegality, Predatory Lending,
HOEPA Loans-High
Cost loans that
violate the Homeowners
Equity Preservation Act,
Bait
and Switch,
Elder Abuse,
Targeting,
Spurious
Open End Mortgages,
Excessive Fees
and Rates,
Loan Flipping, Fraudulently
Caused to Execute Loan Documents,
Yield
Spread Premium, Inappropriate Loan Programs,
High Loan to
Value
loans, Shifting Unsecured Debt Into Mortgage,
Equity Stripping,
Negative Amortization,
Korean and other Foreign Languages,
California
Civil
Code 1632.
(f),
Office of the
Comptroller of the Currency, OCC Policy
Letter
AL
2003-2,
Violations of the FTC
Act,
FTC
Sec 5
§
45
Unfair methods of competition unlawful:
prevention by Commission,
California
Legal
Remedies
Act, California
Unfair
Competition Law, CA
Business
&
Professions Code 17200, California Unconscionability Law, California
Rescission Law for Fraud,
Mistake,
Undue Influence, Breach,
Illegality,
Right To Cancel, (A)
6500 -
FDIC Consumer
Protection, § 226.17 § 226.23 Right
of rescission,
A2)
Code
Of
Civil Procedure
Section 337.3,
Attachment of Other Violations-Insurance
Disclosures,
California Civil
Code Section 2955.5,
15 U.S.C.
§
1681
s-2] (A)
7 NOTICE
TO CONSUMER REQUIRED- (i) IN
GENERAL,
Appraisal-CA Professional &
Business
Codes
10241.3,
Credit -
Equal
Opportunity Credit Act-
Regulation B, Equal
Opportunity
Credit
Act, Fair
and Accurate
Credit Transaction Act
of2003, Foreclosure Statutes and Foreclosure Notices,
Civil Code
2923 (2)(b), Civil
Code
2924.3 (a)(1),
Civil Code 2923.5.
(a)
(I),
California Civil
Code 2924f(b),
Foreclosure- Finance Charge [226. I 8(d)]-,
MERS, SECURIZATION, LEGAL STANDING and FORECLOSURE DEFENSES,
Chain of
Title, Securitization & MERS,
Is MERS the Beneficial Owner
of the
Note?
CA Civil
Code 33-801 Definitions,
CA
Civil
Code 33-807 Sale
of Trust Property,
CA Civil
Code2932.5
-
Assignment,
Assignment of Beneficiary, Possession
of
the
Note & Holder of Due Course,
UCC
3-309. ENFORCEMENT OF LOST, DESTROYED,
OR STOLEN INSTRUMENT.
ENFORCEMENT OF
LOST, DESTROYED,
OR STOLEN INSTRUMENT, UCC CODE § 3-301,
§
3-305.
DEFENSES AND CLAIMS OF RECOUPMENT, § 3-305.
TRANSFER OF INSTRUMENT: RIGHTS ACQUIRED BY TRANSFER,
SUBSTITUTION OF TRUSTEE-California Civil Code Section 2934a
-
Procedure for
Substitution of Trustee, Securitization Process,
Other Pertinent Facts of Securitization,
Assignee Liability,
Contractual Causes of Action- Breach of Contract,
Breach of Oral Agreement
-
Campbell v. Machias,
865 F.
Supp. 26
(D. Me.
1994),
Tort Claims - Intentional Infliction of
Emotional Distress
- FDIC
v.
S.
Prawer & Co.,
829 F.Supp. 439,449 (D.Me.1993),
Negligent Infliction
of Emotional Distress -
Prawer,
829
F.Supp.
451, FraudlMisrepresentation,
Estoppels,
Inc