Tiare Lewis

Certified Forensic Loan Auditor's "Bankruptcy CLE Seminar" will be held March 31, 2012 in Las Vegas, NV. The admission fee is $595 early bird registration or $795 door registration. Registration may be completed online, through our website at www.CertifiedForensicLoanAuditors.com, or by phoning our offices at 800-768-2709.

This course is approved for Continuing Education Credit by the State Bar of Nevada (Nevada Course No. 5734A1-VR1), and is given outside the State of California, it is therefore, also approved by the State Bar of California for Continuing Education Credit.

The seminar will cover an introduction to the seminar and the current state of the mortgage crisis, background on how the mortgage crisis occurred to understand the solutions, difficulties with past and current approaches to civil mortgage litigation, why bankruptcy is the legal forum of choice for mortgage litigation, practical requirements for bankruptcy mortgage litigation, surviving and defeating the motion to lift stay of foreclosure sale, finding the evidence to win in bankruptcy, preparing for the adversarial hearing in bankruptcy, the adversarial hearing in bankruptcy, and quiet title and the importance of res judicata post bankruptcy.

Our course schedule will inclued a registration and welcome period to renew old acquaintances, make new acquaintance, and examine various educational materials that will be available. The contacts that you make during this time will be valuable to you for the purpose of referrals and questions to other colleagues in the future.

Remember, in the field of Foreclosure Defense and Mortgage Litigation, the usual rules of competition and market share do not apply. In this field of law practice the prevailing rules are cooperation and collaboration because of the huge need that continues to be driven by the large number of homeowners who are in need of legal assistance to solve their particular mortgage situation.

We will begin with an introduction and current overview of mortgages 2001-2012 including a review of securitization and mortgage operations. (90 minutes credit)

Here we will examine some of the more recent cases, articles, court rulings, and legislation that have affected and continue to affect this field of law practice.

What about Nevada Assembly Bill 284? What is the current state of Mortgage Mediation in Nevada?

One cannot adequately appreciate and apply the effective solution involved in debt relief from mortgages unless one understands how the problems were created in the first place. We will examine the securitization process in detail. How it was designed to work originally, and how that design was in fact abused, and why, and by whom it was abused.

The course will exam the difficulties with civil litigation and finding the legal forum of choice for mortgage litigation including meeting the practical requirements for debt relief. (90 minutes credit)

We will look at the types of cases that have been filed in the civil courts, both State and Federal. We will talk about the results of those cases and the Judiciary and their approach to these cases. Most importantly we will address why they have taken the approach they have. To be truly successful in court litigation the successful attorney needs to understand where the judiciary is coming from in their approach and why.

We will address the Federal bankruptcy Courts and why they are considered by many to be the legal forum of choice for both foreclosure defense and mortgage litigation for those many clients who are not facing a loss of their home, but are significantly upside down in value in relation to the amount of debt on their property. The prospects are that most of that value will not return anytime in the near or even distant future. Consequently, steps have to be taken now to address this situation. In December of 2012 the exemption for 1099 income tax from mortgage forgiveness will disappear. It is important that homeowners begin to take action now before it is too late.

It is important to fully understand how bankruptcy works and what are the requirements for the client to take advantage of the protection and relief that is available in the Federal bankruptcy system.

We will discuss an overview of bankruptcy in terms of which debts can be discharged and which debts cannot be discharged. We will help you determine if bankruptcy is the right solution for your client.

We will discuss the Automatic Stay. We will speak about whether your client is eligible for bankruptcy, and the requirements for Chapter 7 and the requirements for Chapter 13. How and when does Chapter 11 fit into the picture? We will look at the effect of prior bankruptcies, debt limits, income taxes, child support and alimony payments.

We will discuss formulating your client's Payment Plan, and the necessity for a Financial Management Course.

What is the Means Test, and how does your client pass this test? We will review the bankruptcy Forms, how they are filed and the meeting with the Creditors.

We will reveal the strategies to win in the bankruptcy forum.

Next, we will address surviving motion to dismiss or lift stay, and finding the evidence to win. (90 minutes credit)

You can be assured that the Creditor of your client will make a Motion to lift the Automatic Stay in order for them to continue efforts to sell your client's property. How do you defeat the motion of your opponent?

What evidence do you need to prevail for your client against your opponent's motion to lift stay? Where do you find that evidence, and how do you best use that evidence to get the result you desire for your client?

How do the Securitization Audit and the Bloomberg Findings help you in your case? What can you do if you are unable to find the mortgage note in a mortgage backed securities trust? Are there other arguments to make?

Finally, preparing for evidentiary hearings and adversarial proceedings and subsequent quiet title along with a business model for foreclosure defense & mortgage litigation will be presented. (90 minutes credit)

What should be included in your motions for both the Evidentiary Hearing and the Adversarial Proceeding? How are these two events different from each other, and what purpose do they accomplish. What should you have as your goal to defeat the claims of the purported creditor?

We will examine how bankruptcy findings support res judicata in civil actions. Reference will be made to CFLA's book and DVD on Quiet Title.

Open discussion on business models for foreclosure defense and mortgage litigation in bankruptcy. Bring your best ideas to share.

Total Time for Credit: 360 minutes. Five hours currently approved and application for six hours credit has been submitted.

The Nation's Premier Forensic Loan Audit and Mortgage Securitization Wholesaler and Loan Auditor Certification Training for Attorneys and Real Estate Professionals offers commercial business licenses to West Coast Markets.

CFLA is looking to expand West Coast operations by offering licenses to each of the following markets, including, but not limited by: Los Angeles, San Diego, Orange County, San Francisco, Las Vegas, Phoenix, Chicago, and the Pacific Northwest [i.e. WA / OR]

CFLA is the largest and most well respected Forensic Loan Audit / Mortgage Litigation Support Company serving all 50 States. In a statement issued by CFLA Corporate President Andrew Lehman, "CFLA is now targeting growth in certain markets on the West Coast." "We will be offering licenses to several markets in the Western Region whereupon CFLA serves more than 5,000 Law Firm Clients."

CFLA’s market advisors estimate that CFLA currently controls more than 60% of wholesale business in the marketplace in Western cities such as Los Angeles, Las Vegas, Orange County, San Diego, San Francisco, Phoenix, and all of the Pacific Northwest.

CFLA’s growth in fiscal 2011 is estimated to be more than 300% growth as compared with 2010 whereupon growth was in excess of 1,000%.

CFLA has more than 150 Certified Mortgage Securitization Auditors that are commissioned to work under CFLA Vice President Western Regional Manager Billy Bowles.

License opportunities would include exclusivity to certain wholesale markets, in addition to training, and access to CFLA clients, affiliates, and staff of industry leading experts.

Please contact CFLA, Inc. CFO / Scott Youngblood, CPA, Esq. at 800-768-2709, General Counsel Bob Krintzman, Esq., or CEO / Andrew Lehman at 310-432-6304, for more information.

Applications for CFLA Commercial Business License will be reviewed and qualified applicants will be contacted back prior to the end of first quarter 2012.

For more information and to apply visit www.CertifiedForensicLoanAuditors.com and select "License Opportunities" under the "About" dropdown menu.

CFLA's Certified Forensic Loan Auditor training is a comprehensive 3-day course designed to certify students as a "Forensic Loan Auditor".

To pre-register, please phone our offices at 310-432-6304 with a Visa/Mastercard or check. Alternatively, registration is available through our website at www.CertifiedForensicLoanAuditors.com. Registration forms will be emailed after payment is complete; late registration is allowed until one week prior to course enrollment.

Forensic Loan Auditor Training is intended for all mortgage, real estate, legal, and finance professionials involved in loan modifications, lender litigation and forensic auditing. A basic knowledge of pertinent loan transaction documents will be assumed.

CFLA's Certified Forensic Loan Auditor course will cover forensic loan auditing for possible violations of the Truth in Lending Act, Real Estate Settlement Procedures Act, Fair Debt Collection Practices Act, Home Ownership Equity Protection Act and other important State and Federal statutes and common law principles to look for in the loan documentation.

Course Benefits: Trainees will learn from the industry's leading experts and receive "Forensic Loan Auditor" certification upon completion of the course; graduate records are stored a nationwide, searchable database to verify and validate certification for prospective employers; flowcharts, work product and other proprietary trade secrets will be provided.

Testimonials from Previous CFLA Classes
"Very informative. Found all class material to be useful. Enjoyed learning"
Shannen Jackson (Class on 2/25)

"The class will give you the education as a great tool to be proficient in the Forensic Auditing process. I highly recommend this course to anyone that is committed to making a difference and helping the homeowner"
Deborah McIever (Class on 2/25)

"You have no idea what your course means to me and how it will change my practice. Blessings to your company"
Sharon King Dudley, Esq (Class on 2/25)

"Finally, there is a class out there that teaches the tools to fight this against these financial institutions in this terrible economic mortgage crises."
Angela Narain White (Class on 03/22)

"I came in to this class wanting to do professional, competent, and comprehensive forensic loan audits and that is exactly what this class has done for me! As a mortgage professional looking to sustain myself in this career field, I have found that this class has opened up a wealth of opportunities for me and was easily worth the time and money."
Mark Martinez (Class on 03/22)

"The knowledge and experience of the teachers and attorneys prepared me to complete a loan audit with confidence I would recommend this class to anyone."
Wayne Goldman (Class on 03/22)

"This course was the missing link in putting together all the knowledge I’ve already been accumulating, but was not able to assimilate into a prosecutable document for submission which an attorney can use in litigation. Thanks!"
Warren D. Goldstein (Class on 07/22)

"Everyone on the Real Estate industry should take this course as a starting point for any future transaction. They will have better understanding on how or what to advise and educate their clients and all our community can have this tool (powerful) to protect their homes or properties!"
Ozzy Martinez (Class on 08/26)

"A must class for everyone that wants to help homeowners stay in their home. I learn so much information that I won’t get from somewhere else. Art & Liz were very helpful and personable and willing to take time and show you where to go when you get behind in the class."
Hercules Bacus (Class on 08/26)

"If you are serious about working in the profession of modifications, law, mediation and helping homeowners, this is valuable."
Mark Bennett (Class on 08/26)

"Highly recommend this for those who truly and sincerely want to help people save their homes especially during these hard economic times. Mahalo for opening this opportunity so we can help the homeowners save their homes""
Mark Aquino (Class on 10/14)

"Attorneys, Brokers, Loan Officers and others definitely need to get certified from the Certified Forensic Loan Auditors. It’s a very, very powerful tool to use it against predatory Lending Act violation when banks violate the law."
Edna Franco (Class on 10/14)

Certified Forensic Loan Auditors, LLC, the industry leading experts in "Mortgage Securitization" research and training has created a comprehensive 2nd Tier Mortgage Securitization training certification program.

CFLA announces "Ambassador Mortgage Securitization Auditor "MSA" - A 40-hour in-person intensive seminar held across the country."

Ambassador MSA Training Certification requires completion of the MSA Tier I course and an additional 16 hours (see below).

Register online at www.CertifiedForensicLoanAuditors.com, or contact our Corporate Sales office at 800-768-2709 to register. Seating will be extremely limited.

Take your Securitization Education a step further, be brought up to speed on the industry's most recent and important developments with continuing education, from CFLA's leading experts.

Ambassador "MSA" Training Certification 2 day (16 hr) Class covering all but not limited to the following:

-How to Find a Trust, if the Trust is not Indicated on Documents
-How to Find a Trust, if the Loan is not in Foreclosure
-Fannie/Freddie Trust Information
-Bloomberg Training

This is a comprehensive 2 day training course that is designed to enhance the MSA training course (24 hours). You will learn from our leading experts and be caught up to speed on the latest developments in the Securitization field.

Your training will encompass the Industry's most sought after product; the Bloomberg Terminal. During the Bloomberg training, you will learn how to; search for a loan number, to identify the loan level data, in the trust. You will be able to identify the CUSIP number associated with the loan number, and determine how many classes the loan was fractionalized into.

You will learn how to identify how many of the classes have been made whole and you will also be taught about Credit Default Swap and how that is important to your report. You will also learn how to capture the screen shots directly from your Bloomberg terminal, to include in your report. This is the report you will need, to stay relevant in this industry, CFLA is the only company offering training on the Bloomberg terminal and the subject matter taught in the Ambassador Training and Certification Program.

You must have completed the MSA Training and Certification program in order to gain admittance into the Ambassador Training and Certification program. You must also pass a proficiency examination, to be granted access to the class.

Person receiving an Ambassador "MSA" Training Certification will have cumulatively completed all of the following:

-40 Hours of training on Mortgage Securitization
-8 hours of Bloomberg (level III training)
-Passed (2) Notarized final exams
-Passed criminal background check

Location
SpringHill Marriott
2989 Paradise RD
Las Vegas, NV 89109

Testimonials from Previous Training Classes
"There is nothing else that can level the playing field."
-Cyndee Rae Estrada

"All the presenters are very passionate about what they do. The goal of equipping others to extend a helping hand to their own communities was more than admirable. What an awesome group!"
-Regina E. Murphy

"This course was extremely beneficial and informative. Both Art & Liz were instrumental in furthering my understanding of Securitization and performing the audits effectively. Additionally, Attorney Stone was the icing on the cake in that being a profession (tenured) that shared his professional expertise and validation of CFLA audits of Securitization of Mortgage loans. Having attended the training, all doubts, concerns, and inquires have been resolved."
-Brent Richardson

"Everyone in life has a mission and a purpose. It's a matter of actually finding out what your purpose is. This class was the missing piece of the puzzle for me. I can now do what so many have attempted and failed. Help every and anyone who has the motivation to help themselves to be not only successful in my own mission, but also be able to help others accomplish theirs."
-Cecelia Moreno

"This course gives you the tools to help a lot of people with their mortgages whether they are having problems or to educate homeowners."
-Mark D. Brown

"This course covers the current mortgage crisis fairly and provides a practical approach to assisting clients in challenging the standing of pretender lenders to foreclose."
-Les Hawthorne

"This class is a need for anyone who is serious about helping attorneys in foreclosure defense."
-Jesse Scott

"Excellent course, you will be trained to execute a detailed SAR!"
-Anthony Galdieri

This is a comprehensive 3-day training course designed to certify students as a "Forensic Loan Auditor".

This course will cover forensic loan auditing for possible violations of the Truth in Lending Act, Real Estate Settlement Procedures Act, Home Ownership Equity Protection Act, Fair Debt Collection Practices Act, and other pertinent State and Federal statutes and common law principles to look for in the loan documentation.

Forensic Loan Auditor Training is designed for all professionals in the mortgage, real estate, legal, and finance professions involved in loan modifications, lender litigation and/or forensic auditing. A basic knowledge of relevant loan transaction documents will be assumed.

Pre-Registration is required and can be completed over the phone at 310-432-6304, with Visa, Mastercard or Check, or by visiting our website at www.CertifiedForensicLoanAuditors.com. Registration forms will be emailed after payment is complete. Late Registration allowed until one week prior to course enrollment.

Benefits of the course: Students will learn from industry's leading experts and become certified as a "Forensic Loan Auditor"; student records are maintained a nationwide, searchable database to verify and validate certification for prospective employers; trainees will obtain flowcharts, work product, and other proprietary trade secrets that have made millions for certified forensic loan auditors, its sponsors, and affiliates.

Testimonials From Previous Training Classes
"Recommend to learn behind the scene with lenders wrong doing."
Lina Pham

"I came in not having much knowledge on the mortgage loan industry and the way things were taught and explained allowed me to grasp the concept very easily.
Keysha Rose

"I enjoyed the class. Information and reports were well presented."
Edgardo Saldana

"This course should be taken by any persons interested in developing and investigative tool to research the mortgage securitization process. Although this is the first stage of training for mortgage securitization auditing, it forms an excellent basis further advance training. The training helps develop a cadre of foreclosure defense fighters!"
Musa Dan Fodio

"The course was well presented and the instructors were very knowledgeable about subject matters."
Leonard S. Needles

"Good Class. Would recommend it to anyone involved in banking, real estate, finance or real estate litigation."
Dr. Kenneth Eugene Lehrer

"The class was extremely informational. The instructors were exceptional. I will use this information in all my reports, which in turn will help my clients."
Rhonda Arellano

"There is nothing else that can level the playing field."
Cyndee Rae Estrada

"All the presenters are very passionate about what they do. The goal of equipping others to extend a helping hand to their own communities was more than admirable. What an awesome group!"
Regina E. Murphy

"I recommend it very much."
Marco de la Rosa

"Everyone in life has a mission and a purpose. It’s a matter of actually finding out what your purpose is. This class was the missing piece of the puzzle for me. I can now do what so many have attempted and failed. Help every and anyone who has the motivation to help themselves to be not only successful in my own mission, but also be able to help others accomplish theirs."
Cecelia Moreno