Our company specializes in helping consumers that have been abused by the lending industry. Abusive lending is destroying lives, uprooting families, and presents a serious threat tot he stability of our communities. We at Consumer Cause of Action are dedicated to detecting, educating, and protecting consumers' against abusive lenders. Through our audits, advocacy, education, and research we empower individuals against abusive lenders, protect consumer rights, and create opportunities to receive justice.

Mission statement:

Through advocacy, education and research we empower and protect consumers from abusive lenders.

Vision statement:

To reduce abusive lending and stop illegal foreclosures.

You May Have Been A Victim Of An Abusive Loan

CCA offers forensic audits for individual consumers, law firms, loan modification firms and real estate agents to help obtain a successful loan modification, litigation, or short sale.

We will perform an audit on your mortgage, payday or title loan documents to identify federal and state violations as it relates to potential fraud, predatory lending or other violations that may exist. This can be a effective tool for the negotiation of a loan modification, or defense to an abusive or predatory loan.

Attorneys that specialize in predatory lending and foreclosure defense can determine if their clients have been victims of mortgage fraud, predatory lending or if the lender may have violated any state or federal regulations with a forensic audit. A forensic audit from CCA will assist in the litigation or negotiations on their client's behalf.

When you know your rights, you have options.

There are specific laws and statues that lenders must follow when underwriting and funding a loan. Many loan documents contain a variety of violations with TILA (Truth In Lending Act), and in some cases predatory lending and possible fraud and misrepresentation. In some cases if a homeowner is simply overcharged by only #45 or if the annual percentage rate is only 0.125% higher than what was originally disclosed, there may be a TILA violation.

Our service is very specialized and vital in identifying federal and state regulatory violations. Have one of our qualified forensic loan auditors review your loan documents and determine if your lender has complied with all of the federal and state statutes.

Facing Foreclosure? You have options:

• Loan Modification
• Litigation
• Short Sale
• Chapter 13 Bankruptcy