Our Services
Part 1.
Educational & Administrative/Investigative Services
Part 1.
Educational & Administrative/Investigative Services
The Lighthouse Law Club Private Member Association (PMA)
It all starts with membership so we can operate in the private. Once on the 'inside', education is key and we start here. To play the game you must know the rules. While it is complex, meaning there are various parts, it is not overly technical or difficult. With the right coaching and access to distilled information anyone with a High School education who can read, comprehend and follow instructions with a little bit of critical thinking ability, and with some basic computer skills can do this. For us, the adventure begins with membership in the Lighthouse Law Club PMA at the bare minimum. This is the root from which your cherry tree will grow and ultimately blossom!
With this established, we can immediately begin an administrative process to investigate and verify the level of compliance of your mortgage servicer. The law requires certain disclosures and transparency. We will abide by the law and request that your servicer do the same. Often times we find that the servicer is not in compliance and thus is disqualified by law from demanding payments or threatening foreclosure. Further, if found that they are not in compliance with the law, that means that they have collected your previous payments illegally and we can start a commercial collection process to recoup those payments.
One of the many benefits of being a member of our PMA is that you are qualified to request a finance package to help with the additional fees that may be required or desired as outlined below. This will involve a coaching agreement and Joint Venture to share in future receipts from fees, damages and/or return of previous payments. There is no guarantee that funding is always available. It is on a first come first serve basis, based on availability. We are continually seeking partners to support us in this regard.
PMA membership is the first step which is required, and is only $1000. As a member you will be invited to join our NATF Fireside chats on the Patreon page which hosts a wealth of knowledge and resources and provides live support and interaction with other members. This subscription is only $19.97 a month which equates to about one premium coffee a week. While this is not mandatory, it should be considered as such due to its immense value.
Mortgage Securitization & Forensic Audits
Today’s foreclosure crisis has made both securitization and mortgage audits invaluable tools for foreclosure defense. In addition, recent legislation gives many homeowners the right to sue a lender for the violations which are often found in these audits. In short, these audits verify the legal right and power of an assignee of mortgage indebtedness, acting for itself or through an agent, to foreclose and collect on real property.
These audits, which include records of mortgage transfers, often reveal that appropriate mortgage transfer documentation was not created and/or maintained and is difficult (if not impossible) to find. A mortgage securitization audit can show if your note was securitized properly by Wall Street and all other parties associated with the mortgage securitization process.
Additionally, a mortgage audit conducted by a qualifiied specialist can often determine if any fraud exists with mortgage documents on file at the local county clerk’s office. In today’s legal environment, we find that securitization and mortgage audits are an irreplaceable tool in properly defending a wrongful foreclosure, attempting to remove clouds on title, or just finding out who owns a mortgage loan.
Forensic Mortgage Loan Audits - These audits analyze a homeowners’ original loan documents for evidence of loan origination fraud, including violations of the TILA, RESPA, and HOEPA federal laws, disclosure violations, stated income violations, and many other fraudulent or predatory practices.
Bloomberg Mortgage Loan Securitization Audits - These audits search for a homeowner’s mortgage note within a Mortgage-Backed Securities Wall Street Trust. If the homeowner’s loan is found in a Wall Street Trust, this audit provides the information needed to challenge every assignment or transfer of a mortgage note in a Court of Law.
We do not provide these services but can refer members to several providers who do. This is optional but because they expose critically important facts, they are highly recommended. Depending on the services requested and what the providers offer, the cost will vary but usually be in the neighborhood of around $2000. Note: Depending on other strategies being implemented, this may not be necessary. Members: Check with your coach.
Licensed Investigator & Expert Witness Mortgage Analysis &
Discovery Process Leading to a Court Action for Quiet Title
We work closely with an independent, licensed investigator who is recognized as an expert witness. He is an ex police officer with 15 years experience in doing mortgage investigations, securities analysis, class action lawsuits, RICO actions and more. He has appeared in court numerous times and his testimony is permanent record on countless case transcripts. His experience has led him to become an expert in 'derecognition' of financial assets (your note) and this is the focal point of his investigative activity. We'll refer to him here as 'Ace'
The first phase of Ace's process is an 'Administrative Process' which requires the Servicer or alleged Creditor (whoever is demanding payments) to make certain disclosures required by law. Those who are not compliant with the law will not be able to provide the necessary documentation which, among other things, exposes the fact that the financial asset has been ''derecognized' on the books and thus the obligation, in fact and in law, no longer exists.
This is a 3-step administrative process and typically takes 45-60 days. This fact finding is the basis for building a case to challenge the standing of the servicer in court. The process results in documented facts being exposed and Ace, then swears out an affidavit attesting to the facts as an 'Expert Witness' who is available to testify in court when needed.
This process costs $3500 which is charged directly by Ace.
As a member of the PMA, the educational benefits and resources are too numerous to list.
But the information to this point summarizes the Administrative and Investigative Services available to members.
Part 2.
Legal Support Through a Referral Network
As a continuation of Ace's process, an SPE (Special Purpose Entity) is created for the property solely for the purpose of allowing the assigned legal team to have standing to represent that Quiet Title action in court for the specified property. Attorneys who are familiar and trained on Ace's process are included in the network and designated for the specific case at hand. The assigned attorney is licensed to practice law in the state wherein the property is located.
This activity is optional, but necessary if one wants to continue the process through to Quiet Title with Ace's team. The creation of this SPE requires $3,500 and is charged by Ace's company.
Being properly positioned with standing through the SPE the legal team can now initiate a Quiet Title action in the local state court. An offer to pay the pending mortgage balance in full is made provided the pretenders can prove they are a legitimate creditor as required by law, which as a result of the Administrative Process, it is known that they are not. Ace lodges a bond of significant value with the court showing the ability to pay and making the offer credible.
If the creditor cannot prove standing, well, you know the outcome from there.
The cost of the legal representation is usually $10,000 charged by Ace's company.
Part 3.
Capital Funding & Litigation Finance
In an effort to assist our members in accessing these invaluable services, an SPE has been created to help manage the funding of these services and to provide the funding necessary for specified lawsuits for damages involving willful violation of the law most notably, denial of due process among a host of other lawful violations, when they occur. When the funding used, it is provided in the context of a Joint Venture wherein the proceeds of any fees, recoveries or damages awarded or collected are shared with a portion being allocated to the continuance of our mission. Details available to members only.
Get In Touch with Us
Reach out to our team for more information or to schedule a consultation.
