Hilsz & Associates

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Menu Of Professional Products and Support Services:

PRODUCTS:

At Loss Mitigations LLC:  We specialize in providing the American Homeowner the products, education and support needed to prevail against the forces of foreclosure, banks who received BILLIONS of DOLLARS in taxpayer money in DAYS when they desperately needed it to prevent their own destruction.  We provide the documentation, preparation, training, seminars, education and proven tactics designed to allow you to take advantage our Your Bailout as outlined by our President.

This is what we do and our products are designed to Empower you to Save Your Home from the banks.

Bank Ready H.A.M.P (Obama Program) Qualified Loan Modification Packages and Instructions

Mortgage Loan Document Audit Packages and Complete Instructions

Homeowner Short Sale Proposal Packages

Instructional EBooks and Forms



Call us today for a FREE No Cost Qualification Interview Based on the H.A.M.P Program.  We will run the EXACT SAME tests the Banks are required to run to qualify you for the H.A.M.P program. Know for certain if you qualify or not.  Our staff is standing by to take a detailed message 24 hours a day in english and spanish for your communication comfort level.


We are not associated with the federal government or the American Reinvestment and Renewal Act. We are not a government agency.  We are not associated with your lender. We are not a loan modification company.  We are not attorney and do not give legal advise.  We are a document preparation company that prepares documents for consumers.


TO LEARN MORE ABOUT THE "Pro Per"LENDER LITIGATION CASES. [CLICK HERE]

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  • Our experienced and caring staff of Attorneys, CPAs', Paralegals and Legal Document Assistants and  have helped thousands of people like you eliminate and restructure hundreds of millions in debt! We can help you too.
  • The legal services you need, when you need them at a price you can afford.
    • Review Services
    • Negotiation Services
    • Full Service Attorneys
  • The choice is yours:
    1. Common sense self-help services with expert attorney guidance.
    2. The convenience of letting one of our respected full service attorneys fight for you.  You focus on the future. 

It is time to let the experienced bankruptcy and real estate attorney’s at the Law Firm step in and take care of your financial problems.  Let us fight it out with your lender or creditors so you can relax and get back to living.

Take our advice and don't wait too long.  Ignoring your creditors and disregarding important notices can have consequences that can be avoided by taking action now.  Our respected and down-to-earth team of Attorneys have options for every situation, you just need to call.

Self-Help Legal Services

For Clients that want Attorney Help when Needed

Each service includes consultation with an attorney! Click a link for more information.

Consultation with an Attorney, Q&A: Get answers from our experienced attorneys. 30 minute minimum.

Notice of Default: Have you received a Notice of Default? Have it reviewed and get immediate advice.

Notice of Trustee Sale: Is the trustee sale quickly approaching? Meet with an attorney, have your information reviewed and get immediate advice.

Loan Modification Approval: For those that have negotiated a loan modification on their own but want the peace-of-mind that comes with a full legal review of the documents.  After all your hard work, don't leave a loophole for the mortgage company!

Correspondence from Lender: (lawsuit documents excluded) Do you need help getting all that confusing paperwork figured out? Contact us today and get back in control.

Short Sale / DILOF Approval: Our experts will review your Short Sale or Deed-in-Lieu of Foreclosure documents and give accurate advice. Includes assessment and advice concerning liability.  Be protected!

Eviction Notice: Let an expert review your Eviction Notice and give you the legal advice you need.

Realtor Listing Agreement Our experts will review your listing agreement and give you the immediate advice you need to move forward.

Postponement of Sale Date: Our experienced attorneys will review all of your documents and negotiate with your bank to postpone your scheduled trustee sale date.  

On-Call Assistance: Help, when you need it, is only a phone call away.  Includes one 20 minute phone call per week, maximum 3 with attorney, remainder with one of our experienced loss mitigators

AUTOMATED Financial and Hardship Document and Submission Package:  A full expert review with advice.

Full Service Legal Assistance

For Clients that want a Full Service Attorney on their side

The first four options include four 30 minute phone consultations with an Attorney and paralegal support there after as needed.

Click a link for more information.

Short Sale:  Let our real estate experts take care of your short sale while you focus on other matters. Includes services for all loans.

Deed in Lieu of Foreclosure:  Full DILOF services from our experienced attorneys, includes services for all loans.

Reinstatement:  Have you lost your home to Foreclosure?  We may be able to help you if the foreclosure proceedings were erroneous, etc. 

Bankruptcy:   Sometimes the best Clean Start is through a Bankruptcy and we've helped thousands. Let us do all the work while you focus on the future!

Debt Invalidation:   Debt negotiation can be a long, frustrating experience by yourself. We have the expertise to get your dept under control while you focus on new opportunities.  May include credit cards, medical creditors, 2nd or 3rd liens on property, etc.

As lenders try to minimize overall losses sustained from excessive foreclosures, many of the attorneys have implemented the use of Forensic Loan Audits and Securitization Reports in order to gain legal leverage against these loan servicers to ensure from a compliance standpoint that the borrower’s interests have not been jeopardized. This trend is gaining momentum from both an offensive and defensive standpoint, and the loan audit process will be the focus of activity in the coming months ahead as Lenders are under increased pressure from the Federal Government to work with homeowners to modify their loans.

Our Management team of seasoned real estate professionals has over 50 years experience in loan origination, mortgage processing, escrow and bank underwriting with some of the country’s top lenders, independent mortgage brokerages, processing and escrow companies such as New Century, The Money Store and Countrywide. It’s this experience in the intricacies of Sub Prime and Option ARM loans that allows auditors to uncover the myriad of lender mistakes in RESPA, ECOA, TILA, HMDA, and APR that exist in so many of the mortgage loans in the market today. We also have a network of attorneys who specialize in real estate law and suing lenders for errors on loan documentation.

The need for fairness and justice exists among the millions of homeowners who are unknowing victims of predatory mortgage lending. Our goal is to empower consumers with the necessary knowledge and ammunition to ‘fight back’ against their ‘bad loans’ in order to protect their ‘American Dream’. We identify and expose those deceptive, fraudulent, abusive and predatory lending practices that plague consumers, many of which can be uncovered within your mortgage loan documents. 

We are a consumer advocacy and mortgage due diligence firm, we have been at the vanguard when it comes to investigating & proving predatory lending in consumer mortgage loan documents. We’ve assisted in the prosecution of unscrupulous lenders for their predatory lending activities.  We are recognized as one of the nation’s premier mortgage loss mitigation firms and are praised over our sound business practices. We are comprised of counselors, negotiators, paralegals and independent  expert witness working exclusively with a network of competent attorneys to help you enforce your rights to a fair and legal mortgage. Our use of cutting edge mortgage banking technology combined with our experienced legal team and our extensive relationships with most major banking institutions assures that our consumers have the best team working to obtain the best solution and outcome to your current mortgage situation. This service is very specialized and imperative in identifying if a borrower is a victim of predatory lending. Our team of specially trained experts reviews all loan documents and performs a thorough investigation for miscalculations and to determine if the loan terms are accurate, truthful, and met the requirements of the applicable federal statutes.

Typically, our staff uncovers such violations as:

Evaluation of Each File for Violations of “RESPA”

The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute, first passed in 1974.  It requires lenders to give a good faith estimate (GFE) of all closing costs that borrowers must pay.  It was designed to help borrowers from being forced to pay “hidden fees” at closing.  Typical violations of RESPA include (1) Statutory Damages, (2) Attorneys fees, and in many cases (3) Treble Damages [i.e. 3 times the amount.]

Evaluation of Each File for Violations of “TILA”

The Truth in Lending Act (TILA) requires lenders to disclose the terms of a loan, including the total amount of the loan, the annual interest rate, and the number, amount and due dates of all payments necessary to repay the loan.  The TILA also requires additional disclosures and places many restrictions on mortgages.  The most often sought remedy under TILA is rescission of the loan.

Evaluation of Each File for Violations of “FCRA”

The Fair Credit Reporting Act (FCRA) was designed to prevent inaccurate or obsolete information from entering or remaining on a credit report.  The law requires credit bureaus to adopt reasonable procedures for gathering, maintaining and disseminating information.  Commons remedies for violating FCRA are (1) statutory damages and (2) Attorney fees

Evaluation of Each File for Violations of “ECOA”

The Equal Credit Opportunity Act (ECOA) was designed to ensure that all qualified people have access to credit and prohibits discrimination based on sex, marital status, age, race, national origin, or public assistance benefits received.

Evaluation of Each File for Violations of “HOEPA”

Home Ownership Equity Protection Act state and local high costs. Federal (HOEPA), state and local high cost thresholds. Certified Forensic Loan Auditors compares the loan data collected during a forensic loan audit to the calculated high cost thresholds as defined by the Home Ownership and Equity Protection Act (HOEPA) and applicable state and local jurisdictions.

Evaluation of Each File for Violations of “Underwriting Standards”

The purpose of an underwriter is to determine whether the borrowers can qualify for a loan and if the borrowers have the ability to repay the loan. This determination of the ability to repay a loan is based upon employment and income in large measure, which is proved by getting pay stubs, 1040’s, W-2’s and a Verification of Employment and Income on the borrowers.

If an underwriter has evaluated the loan properly, then there should be no question of the ability of the borrower to repay the loan. Debt ratios will have been evaluated, credit reviewed and a proper determination of risk made in relation to the loan amount. Approvals and denials would be made based upon a realistic likelihood of repayment.

Evaluation of Each File for Violations of “Underwriting Standards”

The purpose of an underwriter is to determine whether the borrowers can qualify for a loan and if the borrowers have the ability to repay the loan. This determination of the ability to repay a loan is based upon employment and income in large measure, which is proved by getting pay stubs, 1040’s, W-2’s and a Verification of Employment and Income on the borrowers.

If an underwriter has evaluated the loan properly, then there should be no question of the ability of the borrower to repay the loan. Debt ratios will have been evaluated, credit reviewed and a proper determination of risk made in relation to the loan amount. Approvals and denials would be made based upon a realistic likelihood of repayment.

Evaluation of Each File for Violations of “PREDATORY LENDING”

The terms “abusive lending” or “predatory lending” are most frequently defined by reference to a variety of lending practices. Although it is generally necessary to consider the totality of the circumstances to assess whether a loan is predatory, a fundamental characteristic of predatory lending is the aggressive marketing of credit to prospective borrowers who simply cannot afford the credit on the terms being offered.

While such disregard of basic principles of loan underwriting lies at the heart of predatory lending, a variety of other practices may also accompany the marketing of such credit.

Targeting

Targeting inappropriate or excessively expensive credit products to older borrowers, or to persons who are not financially sophisticated or who may be otherwise vulnerable to abusive practices, and to persons who could qualify for mainstream credit products and terms

Loan Flipping & Equity Stripping

Repeated refinancing of borrowers into loans that have no tangible benefit to the borrower. Can be the same lender or different ones. Loans and refinances whereby equity is removed from the home through repeated refinances, consolidation of short term debt into long term debt, negative amortization or interest only loans whereby payments are not reducing principle, high fees and interest rates. Eventually, borrower cannot refinance due to lack of equity.
 

Consulting Defend your Rights & your Business.

 

Civil & Criminal from Consumer Protection to Online Fraud. 

 

Fintech Software as a Service Payment Integration.

 

 

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