Certified Forensic Loan Auditors Offers Quiet Title Class

A readers sent in a link to an upcoming class on “Achieving Principal Reductions with Lenders by Creating Leverage,” a class on mortgage securitization and quiet title actions. – Source

It’s an interesting class to see, especially as hard as the Florida Attorney General hit some land trust companies in Florida this week who were selling quiet title debt relief.

Apparently the quiet title services CFLA sells includes forensic loan audit, a level 3 Bloomberg report, a demand letter, a full complaint package, full preliminary title report, and a temporary restraining order.

CFLA apparently provides support services for attorneys that want to attempt this approach.

Here is a probable testimonial from a consumer that states she just took a quiet title class.

CFLA states they have offices in California and Texas but a search of Texas records says no company by that name is registered in Texas.

Certified Forensic Loan Auditors, LLC
2600 South Shore Blvd Suite 300
League City, TX 77573

The Texas administrative office address comes back to a virtual office in League City. – Source.

CFLA is registered to do business in California.

The company describes themselves as “CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers” and “As attorneys, we knew there had to be an easier, more affordable way for industry professionals to obtain access to the world of “hidden trade secrets” that our team of experts has developed.” – Source


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1 thought on “Certified Forensic Loan Auditors Offers Quiet Title Class”

  1. More nonsense from certified niwits!

    “Plaintiff’s basis for claiming ‘better title’ is that securitization somehow altered her obligation to pay her mortgage. This argument is unrecognized in the law.” HEROLD V. ONE WEST BANK (D. Nev. 9-29-2011).

    “A plaintiff cannot quiet title without discharging the mortgage debt. AGUILAR V. BOCI, 39 Cal.App.3d 475, 477 (1974) (“the cloud upon his title persists until
    the debt is paid”); KELLEY V. MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., 642 F.Supp.2d 1048, 1057 (N.D. Cal. 2009). TRUSTY V. RAY,
    249 P.2d 814, 817 (Idaho 1952) (“[a] mortgagor cannot without paying his debt quiet title as against the mortgagee”).

    “Plaintiff’s quiet title claim is based on the argument that, as a result of securitization, the trust deed has been split from the note and, therefore, the deed of trust should be declared a nullity. This Court has repeatedly rejected this argument. Recently, both the Utah Court of Appeals and the Tenth Circuit Court of Appeals have similarly rejected this claim. For the same reasons stated by all of these courts, this claim must be rejected.” WINN V. BANK OF AMERICA (D.Utah 1-4-2012).

    “A quiet title claim seeks to extinguish interests in the property in favor of the
    interest of the plaintiff. Here, Plaintiff is seeking to extinguish the Trust Deed.
    ‘To succeed in an action to quiet title to real estate, a plaintiff must prevail on the strength of his own claim to title and not the weakness of a defendant’s title or even its total lack of title.’ Plaintiff fails to assert her own claim to title. She does not allege that the Deed of Trust was not validly executed or that she is not in default under the note. Accordingly, the court rejects Plaintiff’s argument and dismisses this claim.” DOMINGO v. DIRECT MORTGAGE CORPORATION (D.Utah 9-21-2011).

    “quiet title is not a remedy available to the trustor until the debt is paid or tendered. Plaintiff has not paid the loan amount, nor has Plaintiff alleged that he is ready, willing and able to tender the full amount owed. See Farrell v. West, 114 P.2d 910, 911 (Ariz. 1941) (refusing to quiet title until and unless the plaintiff tenders the amount owed, as required in equity). Instead, Plaintiff asks this Court to invalidate the claims of the beneficiary under the deed of trust. The Court will not indulge this inappropriate use of an action to quiet title.

    “Plaintiff’s argument that the assignment to U.S. Bank was void, and that U.S. Bank and MERS are not beneficiaries fails to support Plaintiff’s claim for quiet title. As discussed above, an assignment of a deed of trust does not need to be recorded in order to be valid, and under the terms of the Deed of Trust, Plaintiff was not entitled to notice of any such assignment.” FRAME v. CAL-WESTERN RECONVEYANCE CORPORATION (D.Ariz. 9-2-2011).

    “This appeal requires us to interpret the statute governing judgments in quiet title actions. The statutory language is about as straightforward as such language ever gets: “The court shall not enter judgment by default. . . .” Entry of a default judgment against appellant HSBC Mortgage Services, Inc., and in favor of respondent Harbour Vista, LLC, in a quiet title action was error.” HARBOUR VISTA v. HSBC MORTGAGE SERV. INC., G044357 (Cal.App. 12-19-2011).


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