DOLPHIN DEVELOPMENTS OF SW FLORIDA
MORTGAGE LOAN AUDITORS
MORTGAGE LOAN AUDITORS
FORENSIC MORTGAGE AUDITS
THE ANSWER TO FRAUDULENT AND PREDATORY LENDING
FIGHTING THE BIGGEST PONZI SCHEME IN THE HISORY OF THE USA.
Welcome to our site and what is probably your first opportunity to fight back against The Biggest Ponzi Scheme in the history of the United States, the calculated and deliberately complex scam upon American and Foreign Investors in Stocks and Asset Backed Securities, including Pension and Hedge Funds, Municipalities and Governments but also upon anyone in America who transacted a mortgage between 2000 & 2008.
If you transacted a purchase money or refinance mortgage, fixed rate or ARM or a Home Equity Line of Credit, you have almost certainly been the subject of a deliberate fraud that was carefully orchestrated by unregulated Wall Street Banks. It may have already cost you and your family your home or real estate investments to the equally fraudulent foreclosure process, which is an affront to our civilization. Or you could be amongst the millions who will lose their homes in 2009 and 2010 when the next round of increases in your payments have to be made and/or when you lose your jobs or businesses as a direct result of the unsupervised Banking Industry.
Portrait of an expert Banker in Control.
UNLESS YOU DO SOMETHING ABOUT IT AND YOU CAN!
We believe that one of the most effective things you can do is to commission a forensic loan audit. This applies even if you can afford to keep paying your mortgage payments, have already lost your home or property and anything in between. It could lead to your establishing that you already own your home or investment properties free and clear and quite title, or to the receipt of large sums in damages for your unlawful eviction, especially if a police officer was utilized to ensure you or your tenant vacated the premises.
If you are in foreclosure or have received a thirty day notice in a non judicial State the most urgent thing to do is to immediately see an Attorney. If you decide to represent yourself (known as acting Pro Se), learn as fast as you can the Rules of Civil Procedure relating to your State and most important of all do not let the 20 or 30 days go by within which the Summons informs you that is all you have to put an answer into the Court and ensure that a recorded mail letter is sent to the Attorney representing 'the lender' requesting the Original Note be produced. Your Attorney, or you acting Pro Se will also need to file thosedocuments in your local Clerk of Courts records. Then and only then, set about getting a loan audit. You'll be glad you did.
THE ENTITY COLLECTING YOUR MONTHLY PAYMENTS OR FORECLOSING ON YOUR LOAN ALMOST CERTAINLY DOES NOT OWN IT AND PROBABLY NEVER OWNED THE NOTE AND MORTGAGE/DEED OF TRUST.
WITHOUT PRODUCING PROOF OF OWNERSHIP OF BOTH THE NOTE AND MORTGAGE OR DEMONSTRATING THAT THEY ARE LEGALLY ACTING FOR THE GENUINE OWNER OF THOSE INSTRUMENTS (WHICH IN ALMOST EVERY CASE IS IMPOSSIBLE FOR THEM TO DO) THEY ARE NOT ENTITLED TO COLLECT PAYMENTS FROM YOU,TO AUTHORIZE SHORT SALES TO INSTITUTE FORECLOSURE ACTION ENTER INTO LOAN MODIFICATION AGREEMENTS OR ISSUE NOTICES OF SATISFACTION OF MORTGAGE IF YOU PAY YOUR LOANS OFF!!!!
They cannot prove that they own the Notes and Mortgage Deeds because they don't! Not only that but they have already been paid in full, in many instances, more than once and now they want to steal your property so that they can be paid again.
They cannot prove that they are legally acting for the genuine owner of your Note and Mortgage because it is impossible to ascertain who the genuine owners are. In an massively organized scam they have foreclosed on vast numbers of loans by continually committing frauds on the Courts. They are getting away with it because the people are scared, uninformed and believe that they do not have the ability, the money or both to resist them.
This is not necessarily so! Understand that the civil legal system is not designed to be user friendly to the ordinary citizen. It is designed to be administered by lawyers, in the presence of lawyers for the profit of lawyers. People constantly ask us if these loans and the foreclosures are fraudulent why are the Courts not doing something to stop these violations of law. The simple answer is that they are not required to do so and will usually simply accept everything the Attorney acting for the home stealer states if the victims do not act within a very narrow window - in most states 20 calender days from the service of a summons from the Court to file a response. Some enlightened Judges throughout the Country are now insisting that they will not hear cases without certain documents being produced at outset, but they are under no obligation to do so. Fort Myers in Florida is a classic example of a Court steamrollering backlogged foreclosures, without any consideration of the content of the documents by instituting a 'Rocket Docket' procedure using part time retired judges to push through up to 1,000 cases every working day.
When we conduct a mortgage forensic loan audit we first examine papers in your possession that you received, some of which you signed at the closing table, others you may and should have received before the closing but those laws were frequently violated and you may have received some papers since. Even at that early stage we are focusing on establishing facts rather than the fiction that the documents state. if the term 'forensic loan auditors' is new to you, think of us as document detefctives. We examine every document, every statment the people we know as Banksters make looking for evidence of conflicting statements, outright lies presented as facts and particularly where Attorneys acting for the Banksters appear to be deliberately presenting false evidence to Courts. But that is only the start of our bank fraud busting investigation.
If you are in foreclosure or have received a thirty day notice in a non judicial State the most urgent thing to do is to immediately see an Attorney. If you decide to represent yourself (known as acting Pro Se), learn as fast as you can the Rules of Civil Procedure relating to your State and most important of all do not let the 20 or 30 days go by within which the Summons informs you that is all you have to put an answer into the Court and ensure that a recorded mail letter is sent to the Attorney representing 'the lender' requesting the Original Note be produced. Your Attorney, or you acting Pro Se will also need to file thosedocuments in your local Clerk of Courts records. Then and only then, set about getting a loan audit. You'll be glad you did.
CONSIDER THESE FACTS
THE ENTITY COLLECTING YOUR MONTHLY PAYMENTS OR FORECLOSING ON YOUR LOAN ALMOST CERTAINLY DOES NOT OWN IT AND PROBABLY NEVER OWNED THE NOTE AND MORTGAGE/DEED OF TRUST.
WITHOUT PRODUCING PROOF OF OWNERSHIP OF BOTH THE NOTE AND MORTGAGE OR DEMONSTRATING THAT THEY ARE LEGALLY ACTING FOR THE GENUINE OWNER OF THOSE INSTRUMENTS (WHICH IN ALMOST EVERY CASE IS IMPOSSIBLE FOR THEM TO DO) THEY ARE NOT ENTITLED TO COLLECT PAYMENTS FROM YOU,TO AUTHORIZE SHORT SALES TO INSTITUTE FORECLOSURE ACTION ENTER INTO LOAN MODIFICATION AGREEMENTS OR ISSUE NOTICES OF SATISFACTION OF MORTGAGE IF YOU PAY YOUR LOANS OFF!!!!
They cannot prove that they own the Notes and Mortgage Deeds because they don't! Not only that but they have already been paid in full, in many instances, more than once and now they want to steal your property so that they can be paid again.
They cannot prove that they are legally acting for the genuine owner of your Note and Mortgage because it is impossible to ascertain who the genuine owners are. In an massively organized scam they have foreclosed on vast numbers of loans by continually committing frauds on the Courts. They are getting away with it because the people are scared, uninformed and believe that they do not have the ability, the money or both to resist them.
This is not necessarily so! Understand that the civil legal system is not designed to be user friendly to the ordinary citizen. It is designed to be administered by lawyers, in the presence of lawyers for the profit of lawyers. People constantly ask us if these loans and the foreclosures are fraudulent why are the Courts not doing something to stop these violations of law. The simple answer is that they are not required to do so and will usually simply accept everything the Attorney acting for the home stealer states if the victims do not act within a very narrow window - in most states 20 calender days from the service of a summons from the Court to file a response. Some enlightened Judges throughout the Country are now insisting that they will not hear cases without certain documents being produced at outset, but they are under no obligation to do so. Fort Myers in Florida is a classic example of a Court steamrollering backlogged foreclosures, without any consideration of the content of the documents by instituting a 'Rocket Docket' procedure using part time retired judges to push through up to 1,000 cases every working day.
THIS IS WHAT WE DO FOR OUR CLIENTS
When we conduct a mortgage forensic loan audit we first examine papers in your possession that you received, some of which you signed at the closing table, others you may and should have received before the closing but those laws were frequently violated and you may have received some papers since. Even at that early stage we are focusing on establishing facts rather than the fiction that the documents state. if the term 'forensic loan auditors' is new to you, think of us as document detefctives. We examine every document, every statment the people we know as Banksters make looking for evidence of conflicting statements, outright lies presented as facts and particularly where Attorneys acting for the Banksters appear to be deliberately presenting false evidence to Courts. But that is only the start of our bank fraud busting investigation.
Even before we take on a new client we know just from minimal information given to us by those clients in answer to our questions whether or not we are going to find evidence of fraud. Sometimes, all we need to know is the name of your Original Lender and your present Loan Servicer who is probably pretending to be your lender. However, once we have extracted minimal information from you, examined public records and our own Corporate Knowledge Base which contains huge quantities of information to direct our efforts on your behalf, we are then able to file complaints and demands to a whole group of people and entities, including your Original Lender (if there was one, that entity would have been the first pretender lender) and your loan servicer (now pretending to be your lender),.
Banks acting as Trustees for investors in Pools of Pass Through Mortgage Certificates (who were defrauded into funding the loans originally) are not actually acting for those investors and that is another huge provable lie. A Court decision in Kings, New York in July, 2008 explains why these Trustee claims are fraudulent.
The mission of the Mortgage Fraud Division of Dolphin Developments is to uncover violations of regulations by conducting an investigation of facts from various public records, from an audit of borrowers loan documents and those supplied to us by the lenders (or pretend lenders) in response to Statutory Demands under Federal laws to provide the evidence that mortgage loans they made and any foreclosure actions that have been taken were fraudulent and involve multiple violations of both State and Federal laws. Some of the cases we are working on have exposed very serious violations of Racketeering and Conspiracy Laws and include Mail and Wire Fraud.
WHEN YOU GET OUR FINAL REPORT YOU WILL BE EMPOWERED TO TAKE ACTION
The information revealed by a Dolphin Developments loan audit will be invaluable. Whether you elect to follow procedures to obtain the removal of the loans from your properties, acquire quite title or pursue the fraudsters for triple or punitive damages with or without an Attorney (known as acting Pro Se). Most Attorneys who are skilled in this field will refer their clients to a loan auditor or will obtain the information as part of their legal fees.
THINK YOU CAN DO THIS WORK YOURSELF?
Some people will be able to do this audit and investigative work for themselves. If they have enough experience in some aspects of the work and are prepared to spend huge amounts of time learning the many diverse skills that will be necessary to do the job. For most people, however, it is likely to be a formidable task which we believe is worth far more than the $1,500.00 we presently charge for the service. Please understand, however, that these fees cover the costs of our investigative work only. This Company does not provide a foreclosure rescue service and none of this fee is paid to us in respect of any such work. Neither do we give legal advice, produce documents for submission to Court or act as Attorneys-in-Fact as this would constitue practising law without a license, at least according to Florida law and constitues what is unconstituionally declared to be a criminal offence.
JUST WANT TO FIND OUT MORE?
If you are wanting more information you could not do better than to get a copy of the book written by our President and published by Dolphin Developments from http://www.stopthebanksters.org as it gives you even more background than is available on this web page and also look under the Mortgage Fraud page of this site.
DON'T BELIEVE YOU SHOULD NEGOTIATE WITH YOUR LENDER!
A recent study of borrowers who agreed to a loan modification has shown that after three months, nearly 36 percent of them had re-defaulted by being more than 30 days past due, increasing to nearly 53 percent after six months, and 58 percent after eight months. If the loan modification involved signing new replacement documents the re-defaulting victims have made it more difficult to fight the new foreclosure proceedings that will inevitably follow.
Massive propaganda has been circulated to encourage people to try and arrange a loan modification. We encourage everyone to first commission an audit to establish the strength of your position. You may be entitled to enjoy quiet title to your property free of mortgage and many will be able to obtain substantial damages, especially if like millions they have been fraudulently deprived of their property.
The above facts will be shocking to anybody, especially those who are currently working with the entity they incorrectly believe to be their lender to negotiate their terms. (We think of it like trying to negotiate with the devil for a more comfortable seat, further away from the intense heat of the fire)! Even if the height of your aspirations as far as your mortgage(s) are concerned is to negotiate a better deal with your 'pretend lender' you should do much better than the cost of your loan audit in your negotiations as you will be approaching them from a position of strength. What they do if you ask for a modification is make you jump through as many hoops as they can to either refuse you, get you into something designed to fail, just like your present or immediate past mortgage was and most insidious of all they use these false negotiations to lull their victims into believing that they will not foreclose because they are working on a Modification, all the while pushing the foreclosure through the Court as fast as they can.
Our specialist investigators can help you as a victim of Deceptive Predatory Lending by examining your mortgage documents to find evidence of Statutory violations, confronting your Lender/Loan Servicer and others with that evidence, utilizing information obtained from working with other clients and public records, extracting information from the Lender or Loan Servicer and preparing a report that will empower you or your Attorney to place them under huge pressure to settle under threat of legal action, seek rescission of your loans and quite title, stop them from foreclosing and possibly pursue them for punitive damages if they have already completed a fraudulent foreclosure on a fraudulent mortgage.
Millions of Americans have been defrauded, are funding underwater high interest loans, thousands are losing or have already lost their homes or real estate investments and personal savings as the Lenders, their Foreclosure Specialist Advisory Firms and their Foreclosure Mill Attorneys continue to submit into court fraudulent documents in the knowledge that almost all their victims do not know that they can do something about it. All we ask of you is that you make a decision not to be a victim anymore!!
Our clients generally are not simply seeking to delay the time it takes to lose their homes, but are seeking help to uncover the real facts regarding their fraudulent loans as a means to remove the liens upon their properties, whether or not they are in foreclosure and if they have already lost their homes based on fraud and misrepresentation by pretend lenders and their Attorneys, to use the facts we uncover to take to a suitable Attorney for him/her to ascertain if they have enough evidence to pursue a claim for damages against one or more parties.
The above facts will be shocking to anybody, especially those who are currently working with the entity they incorrectly believe to be their lender to negotiate their terms. (We think of it like trying to negotiate with the devil for a more comfortable seat, further away from the intense heat of the fire)! Even if the height of your aspirations as far as your mortgage(s) are concerned is to negotiate a better deal with your 'pretend lender' you should do much better than the cost of your loan audit in your negotiations as you will be approaching them from a position of strength. What they do if you ask for a modification is make you jump through as many hoops as they can to either refuse you, get you into something designed to fail, just like your present or immediate past mortgage was and most insidious of all they use these false negotiations to lull their victims into believing that they will not foreclose because they are working on a Modification, all the while pushing the foreclosure through the Court as fast as they can.
Our specialist investigators can help you as a victim of Deceptive Predatory Lending by examining your mortgage documents to find evidence of Statutory violations, confronting your Lender/Loan Servicer and others with that evidence, utilizing information obtained from working with other clients and public records, extracting information from the Lender or Loan Servicer and preparing a report that will empower you or your Attorney to place them under huge pressure to settle under threat of legal action, seek rescission of your loans and quite title, stop them from foreclosing and possibly pursue them for punitive damages if they have already completed a fraudulent foreclosure on a fraudulent mortgage.
Millions of Americans have been defrauded, are funding underwater high interest loans, thousands are losing or have already lost their homes or real estate investments and personal savings as the Lenders, their Foreclosure Specialist Advisory Firms and their Foreclosure Mill Attorneys continue to submit into court fraudulent documents in the knowledge that almost all their victims do not know that they can do something about it. All we ask of you is that you make a decision not to be a victim anymore!!
Our clients generally are not simply seeking to delay the time it takes to lose their homes, but are seeking help to uncover the real facts regarding their fraudulent loans as a means to remove the liens upon their properties, whether or not they are in foreclosure and if they have already lost their homes based on fraud and misrepresentation by pretend lenders and their Attorneys, to use the facts we uncover to take to a suitable Attorney for him/her to ascertain if they have enough evidence to pursue a claim for damages against one or more parties.
WE CAN HELP!!
CALL US TODAY FOR A FREE CONSULTATION
1-888-258-2297
CALL US TODAY FOR A FREE CONSULTATION
1-888-258-2297