ENDLESS FRAUD DETECTION SERVICES

Let ENDLESS FRAUD DETECTION SERVICES help you expose potential fraud and damages by providing a thorough evaluation, assessment and Audit of your Mortgage Loan.

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SCOPE OF SERVICE

"...THEREFORE, it is agreed that the scope of the services to be provided by Company will include, but is not limited to:

Advising Client on the entirety of the Debt Collector Fraud Detection process;
Conduct preliminary Audit of one (1) Real property Alleged Debt Obligation Contracts in an attempt to Validate, Verify, prove, authenticate, substantiate, confirm, corroborate, justify, or disprove a claim that is being presented by said Debt Collector... "

$695

• If a Debt Collector claims you owe a debt, you the charged have a natural and legal right to demand that a third party company validate and verify the debt claim.
• When a Party brings suit it is demanded by our legal system that that party have a substantial amount of evidence in order to bring the lawsuit to court.
• Failure to validate and verify said debt renders that debt uncollectable.
• You as the consumer now have a third party witness to their failure to validate and verify there own debt claim.

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TITLE VIII - DEBT COLLECTION PRACTICES [Fair Debt Collection Practices Act]
§ 803. Definitions [15 USC 1692a]

As used in this title --
(4) The term "creditor" means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

Verification and Validation (V&V) is the process of checking that a product, service, or system meets specifications and that it fulfills its intended purpose.

Validation

* In general, validation is the process of checking if something satisfies a certain criterion. Examples would include checking if a statement is true (validity), if an appliance works as intended, if a computer system is secure, or if computer data are compliant with an open standard. Validation implies one is able to testify that a solution or process is correct or compliant with set standards or rules.

From Wikipedia, the free encyclopedia

http://en.wikipedia.org/wiki/Verification_and_Validation

FDCPA Section 809. Validation of debts [15 USC 1692g]

(b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Leonard A. Bennett, Testimony Before Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services Regarding "Fair Credit Reporting Act: How it Functions for Consumers and the Economy," June 4, 2003, Leonard A. Bennett P.C. on behalf of the National Association of Consumer Advocates
(http://www.naca.net)

The employees of all three CRAs operate under a quota system whereby each employee is expected to process all of the disputes of an individual consumer in less than four minutes. Worse still, the "codes" used by both the CRAs and their subscribers (the furnishers) are limited in number and rarely describe the actual basis for the consumer's dispute.
For example, in two of my recent cases, both identical, consumers wrote dispute letters to all three bureaus. The disputes were conveyed in great detail and explained that the consumers were not responsible for the disputed accounts and that any signatures claimed to be theirs were forgeries. Each consumer dispute letter also enclosed copies of handwriting exemplars such as signatures on driver's license, military IDs and other credit cards. <Name omitted> had also obtained a copy of the forged note and included it in his dispute letter. When Equifax and TransUnion received the letters, their employees simplified the disputes to a code and the description "not his/hers." The [two-digit code indicating "not mine"] was all the furnishers received.
In a deposition taken in a Pennsylvania case, TransUnion's responsible employee explained the CRA's "investigation procedure."
Q. [T]he dispute investigator looks at the consumer's written dispute and then reduces that to a code that gets transmitted to the furnisher?
A. Yes.
Q. Does the furnisher ever see the consumer's written dispute?
A. No.
Q. Are there any instances in which the dispute investigator would call the consumer to find out more about the dispute?
A. No.
This is consistent with CRA testimony in every other case of which I am aware. The Bureaus do not convey the full dispute or forward any of the documents to the furnishers. As an expected result, nearly all consumer disputes are verified against the consumers.

"Brennan (plaintiff collection agency attorney) violated 15 U.S.C. § 1692g(b) when he obtained a default judgment against Spears (defendant) after Spears had notified Brennan in writing that the debt was being disputed and before Brennan had mailed verification of the debt to Spears."

http://www.state.in.us/judiciary/opinions/archive/03260101.ewn.html

Remember...it is essential that indivdiual consumers have access to Independent Third Party Auditing Companies that trully investigate the dispute!

Never let anyone steal or defruad you....Never!!!!
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