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New scam involving phony "forensic audits" of mortgage loans is the latest variation on loan modification scams. An article in the Sacramento Bee this week, reported that California Attorney General Jerry Brown warned California's distressed homeowner's to refrain from forensic review of their mortgage loan and lender's practices. Jerry Brown issued a press release stating that these loan audits are nothing more than loan modification scams that are taking advantage of people's desperation in the midst of the nation's persisting economic troubles. He joined with the California Department of Real Estate and the State Bar of California to warn homeowners who face the danger of foreclosure, to avoid such scams because they offer no help towards saving their home from foreclosure. The Latest among Many Loan Modification Scams Last year, the California Department of Real Estate investigated more than 2,000 cases of loan modification scam and from that number, 350 scam operations were ordered to terminate their illegal activity according to the attorney general's office. According to the article, the spokesman for the attorney general, Evan Westrup, explained that "It's the latest phony foreclosure-relief 'service' by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren't helping or providing the relief they need." The "Forensic Audit' Loan Modification Scam This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping

New scam involving phony "forensic audits" of mortgage loans is the latest variation on loan modification scams. An article in the Sacramento Bee this week, reported that California Attorney General Jerry Brown warned California's distressed homeowner's to refrain from forensic review of their mortgage loan and lender's practices. Jerry Brown issued a press release stating that these loan audits are nothing more than loan modification scams that are taking advantage of people's desperation in the midst of the nation's persisting economic troubles. He joined with the California Department of Real Estate and the State Bar of California to warn homeowners who face the danger of foreclosure, to avoid such scams because they offer no help towards saving their home from foreclosure. The Latest among Many Loan Modification Scams Last year, the California Department of Real Estate investigated more than 2,000 cases of loan modification scam and from that number, 350 scam operations were ordered to terminate their illegal activity according to the attorney general's office. According to the article, the spokesman for the attorney general, Evan Westrup, explained that "It's the latest phony foreclosure-relief 'service' by an industry that continues to be long on promises and short on results…another way to get homeowners in distress to pay for services that ultimately aren't helping or providing the relief they need." The "Forensic Audit' Loan Modification Scam This particular scam entices homeowners through newspaper advertisements, as well as radio and television spots. The hook is to get homeowners to believe that they can find errors, improper documentation, or outright illegal activity in the way the mortgage was originated or within the loan itself. Supposedly, with such information, the homeowner will have sufficient leverage to fight the lender in the home loan-modification process with the hope of receiving assistance in keeping

Springhill Care Group :: Care2 Groups | SPRINGHILL GROUP http://www.care2.com/c2c/group/springhillcare Springhill Group Care - Providing for all levels of care, balanced with impressive facilities and exceptional staff. …golden age living and health care at its very best… At Springhill Care Group, our attitude is to exceed the expectations of our residents and their friends, that offer balanced with impressive facilities and exceptional staff. At Springhill Care Group, we firmly believe in safeguarding the interests of our clients and we pride ourselves on offering the most resident friendly environment. Springhill Group: Denish's Sharebook LIVING AND CARE OPTIONS http://www.valueinvestingnews.com/news-center-%E2%80%93-springhill-group-home-loans-america%E2%80%99s-choice-h America's Choice Home Loans announced the opening of Branch 1013, located in Newberg, Oregon. Managed by Jerry Holman, a long time veteran of the mortgage industry, the branch opened on October 20. "Please give Jerry a warm welcome and let him know he is a part of our family," says Jonathan Fowler, Director of National Production for the company. "Jerry, thank you very much for choosing America's Choice Home Loans. We appreciate you and your office and are here to make your lending career bigger and brighter than ever. You will find out why we are America's Choice Home Loans - Thank you very much and welcome." Being an expert in home loan and mortgage, Jerry will continue to concentrate on helping customers with their residential home loan needs. America's Choice Home Loan is continuously searching for experienced mortgage loan originators to join the company. Contrary to many in the industry who have been discouraged, scaled back or closed down completely, Mr. Fowler is unfazed. "America's Choice has the ability to expand, including the capacity for rapid growth. We have been positioning ourselves for this, and we're read

"Springhill Group: warning to borrowers over interest-only mortgages - Tumblr http://springhillgrouphome.tumblr.com/day/2012/09/12/ Lenders have changed the goal posts considerably over the last few years and many borrowers are faced with being stuck on a variable rate Picture: Getty Images By Jeff Salway Published on Saturday 8 September 2012 14:10 Borrowers with interest-only mortgages have been urged to seek advice after a leading banker raised concerns over the number of people struggling to repay their loans. New Barclays chief executive Anthony Jenkins predicted this week that interest-only mortgages may be the next big mis-selling scandal. He identified the loans as a likely source of future complaints and said the bank, which has a large chunk of interest-only loans on its books, had already seen thousands of borrowers with problems repaying their capital. Industry experts have been expressing fears for some time over the number of people with interest-only mortgages but with no viable means of repaying their capital at the end of the term. Interest-only loans work by letting the borrower pay the interest first and clear the actual capital at the end of the term. They sold in massive numbers during the housing market boom, when homeowners and lenders were confident that house prices would continue soaring and enable capital to be repaid with sale proceeds. But some eight in ten people with interest-only mortgages maturing over the next decade have no adequate repayment strategy in place, according to the Financial Services Authority (FSA), which described the scenario as a "ticking time-bomb". The problem for borrowers has been exacerbated by a marked tightening of lending criteria. Where they used to offer interest-only loans to those with just 10 per cent deposits, most lenders now demand equity or a deposit of at least 50 per cent. They have also clamped down on the repayment plans they will accept. The Lloyds Banking Group brands, for

The Bank of England plans to cut its support for mortgage lending in the U.K. and nudge banks towards lending more to small businesses, it said Thursday, November 28. The move is an answer to increasing concern that a speedy pickup in housing market activity in Britain could ultimately turn unpleasant, affecting banks and borrowers, and also as longstanding worries that small firms are being starved of credit, hindering economic recovery. What's more, it is a sample of the growing willingness of central banks across the globe to organize customized policies to maneuver their economies, rather than relying exclusively on official interest. The BOE said in its twice-yearly financial stability report that although there is little evidence that quickening activity in Britain's housing market poses an immediate threat to financial stability, "risks may grow if stronger activity is accompanied by further substantial and rapid increases in house prices and a further buildup in household indebtedness." The central bank said property has played "a central role" in many previous economic and financial crises. In the U.K., real estate accounts for 70% of non-financial assets. House prices in the U.K. have climbed speedily in past months, formed worries over the materialization of a new bubble in prices. A government mortgage-support program for would-be homebuyers called Help-to-Buy had pave the way for a boost in mortgage lending, together with an increase in the number of riskier loans on offer that entail merely a small down payment. The BOE said that in response to the pickup in housing-market activity and an ongoing dearth in small-business lending it has decided to overhaul its flagship Funding-for-Lending Scheme, or FLS, which offers banks cheap cash provided they use it to dish out loans to households and businesses. Banks drawing on the FLS will from January no longer benefit from reduced capital requirements on new mortgage lo

"This can work in two ways, trough email, text message or social-media post, the gift-check scam is more popular during Christmas season where people are buying on this a lot. The scam goes like this; a message will appear from nowhere announcing you a winner of a popular retail gift card. You are then instructed to follow a link and when you click it you will be directed to a site that is a remarkable clone of the real thing. This site will ask for your personal information like your email, birth date and favorite color. This indicates that you're directed off the bogus site to a credit-card application, and because you filled-up this information sheet the fraudster has what he wants. You can also deceived by buying bogus card online from third parties. And if buying over the counter, make sure the PIN code on the back hasn't been scratched off, an indication that it's been hacked by someone in the store. This next bogus often comes via email. This one is called package-delivery scam. It appears to be from a legitimate company, the email gives the impression of being genuine complete with a phony tracking number and a note about the delivery error. There's an attachment with a made-up delivery label that you're told to take to the nearest delivery office to get the package. Open it, and you'll be subjecting your computer or smartphone to malware and virus attacks. These E-cards appears to be seemingly harmless thank you note or holiday greetings but you will never know until you click on it and it could be spyware or viruses that automatically download when opened or when they direct you to download to see the card. Best-deal-ever scams, if it is to good to be true more like it is a scam, it is a lie. The idea is they will attract you on deals and items then after sending them the money you will not get anything in return. They will say that items are limited and rare to find so they are selling it for higher prices on online auction site but af

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http://springhillgrouphome.tumblr.com/day/2012/09/30/ A Los Angeles man was sentenced to six years in prison last week for his role in a power wheelchair scam, topping what prosecutors say has been a series of Medicare fraud cases. David James Garrison, 50, a former physician assistant, was found guilty by a federal jury for his role in submitting $18.9 million in fraudulent Medicare claims for power wheelchairs and other equipment. The wheelchair case is the third time Garrison has been accused of Medicare fraud. In 2009, Garrison pleaded no contest to tax evasion for his role in what prosecutors described as a fraudulent medical clinic. He pleaded not guilty in October to charges that he forged prescriptions as part of an OxyContin ring that sold 1 million pills on the streets. That case is ongoing. Garrison's attorney did not return a call for comment about the cases. Garrison's physician assistant license lapsed in 2009, said Russ Heimerich, a spokesman for the Department of Consumer Affairs, which oversees many state licensing boards. He said the board examined the tax evasion case and did not see it as grounds for discipline. According to court documents, Garrison's cases involved the use of "cappers" or "marketers" who recruited Medicare beneficiaries to submit to unneeded care or hand over their personal information. That information was used to bill the program for medications, services or supplies that the patients didn't need. In the wheelchair case, prosecuted by the Los Angeles U.S. attorney's office, one witness testified that marketers had to recruit beneficiaries as far as 300 miles from Los Angeles because so many local people had already been used in other fraud schemes. In the first health fraud case linked to Garrison, he was described as an "at large" suspect in October 2007 when then-Attorney General Jerry Brown announced arrests in a $1.5 million health fraud scam. "The suspects create a fake healthcare clinic to line their own

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