stop foreclosure, seek accountability, do not lose your home. Get a refund not refi.

1. In Suits at common law, where the value in controversy shall exceed twenty
dollars, the right of trial by jury shall be preserved, and no fact tried by a
jury, shall be otherwise re-examined in any Court of the United States, than
according to the rules of the common law.
- Amendment VII of the United States Constitution
.
Forensic Mortgage Auditing
“Know Your Rights, Know your Options”

2. Mortgage Fraud is Pervasive and Growing
Mortgage Fraud is defined as the intentional misstatement, misrepresentation, or omission
by an interested party, relied on by a lender or underwriter to provide funding for, to
purchase, or to insure a mortgage loan.
... the true level of Mortgage Fraud is largely unknown. The mortgage industry itself does
not provide estimates on total industry fraud. However, based on various industry
reports and FBI analysis, Mortgage Fraud is pervasive and growing.
FBI Suspicious Activity Reports
http://video.nbc5.com/player/?id=267154

3. Evidence of Rampant Fraud
CALIFORNIA RANKS 4TH IN MORTGAGE FRAUD
Mortgage fraud has topped $1 billion in the past decade and California
places 4th on a national list of mortgage fraud offenders for 2007.
Beating out California is Florida at number 1, Nevada at number 2
followed by Michigan. FBI statistics show 46,700 mortgage fraud
reports in 2007 alone, up 30% from last year.
Common types of mortgage fraud include misrepresenting employment
history, falsified tax returns, inflating income and providing false
financial documents
Breaking News from NPR.org: Auditor: Supervisors Covered Up Risky Loans
http://www.npr.org/templates/player/mediaPlayer.html?action=1&t=1&islist=false&id=90840958&m=90840938

4. Victims of Fraud
● Families all over the country continue to lose homes in record numbers,
stripping equity from their homes and destroying entire neighborhoods.
● Predatory lending and mortgage fraud typically affects senior citizens, lower
income and challenged credit borrowers. It forces borrowers to pay exorbitant
loan origination/settlement fees, sub-prime or higher interest rates, and in
some cases, unreasonable service fees. In short, these practices often result
with the borrower being placed into inappropriate loans which, all too often,
lead to defaulting or worse still, foreclosure
http://www.mortgagenewsdaily.com/video/embed.asp?id=1683
● Losses are dissipated into the Economy causing undue burden to ALL of us.
http://www.mortgagenewsdaily.com/video/embed.asp?id=1684
● Destabilizes the global economy (reliance to US markets)
Catching Predators is Good; Economic Judgment is better
http://www.mediachannel.org/wordpress/2008/06/23/catching-predators-is-good-economic-justice-is-better/

5. Detect, Report and Fight Fraud
3 Levels of Attack
quot;The FBI will investigate and a Federal Grand Jury will indict. Or the State
will get involved by suspending or revoking Licenses. Or there will be
Suits by borrowers alleging fraud.quot;
Turn this arduous task into a privilege of a lifetime, FIGHT BACK !!!

6. “ I will not lose my home”
Common reasons homeowners do not defend a wrongful foreclosure.
- Lack of knowledge
- Can not afford an attorney
- Can afford an attorney but can not find one who is experienced and
knowledgeable enough about wrongful foreclosure issues.
- Most homeowners assume if they are delinquent they have no defense.
- Most homeowners try in vain to work it out with the lender while the lender
proceeds with foreclosure
Step1- Make note of your foreclosure sale date and SHOW UP
http://youtube.com/watch?v=LqAWCgKuvZ0
Step 2- Forensic Mortgage Document Auditing
http://avenue-s.us/services.html

7. ZERO FRAUD TO LERANCE
AV E NU E S
Mortgage Document Auditing Services
We report all suspicious activity to the following:
FBI- White Collar Crimes Supervisor (Mortgage Fraud Division)
IRS-CID (Internal Revenue Service- Criminal Investigation Division)
Los Angeles County District Attorney's Office Bureau of Investigation Major Fraud Division
Department of Justice
Department of Corporations
Department of Real Estate Enforcement
Office of Real Estate Appraiser
Federal Trade Commission
Office of the Federal Housing Enterprise Oversight- HUD
Your Lender's Regulatory Bank (OCC, OTS, FDIC)
What we offer:
Forensic analysis of your mortgage loan documents for fraud and predatory lending.
Consumer education and assistance in report preparation.
Refer you to an Attorney with the highest level of Integrity, Empathy and Affordability.
We do not:
Negotiate a Short Sale with Client's current mortgage lender.
Negotiate a Deed in Lieu of Foreclosure with Current mortgage lender.
Attempt to negotiate a modification of Client's current mortgage loan including but not limited to reduction in principal balance,
reduction in interest rate, reduction in monthly payments, re-amortization of loan for longer term.
Provide Legal advice, only your Attorney can represent you in a Court of Law.
Give any guarantees whether expressed or implied.
We are not:
A mortgage elimination Company
A law office or credit repair facility
Legal professionals nor claim to be

8. Avenue S Forensic Mortgage Loan Auditing
http://www.avenue-s.us http://avenue-s.info
(661)860-4978 (661)860-4950