Here is an overview of how CCA's audit programs work:

CCA will conduct a forensic loan fraud audit which scrutinizes the mortgage documents and/or short term loan documents you received upon the closing of your loans(s) and seek for state and/or federal violations committed by your lender. Once you receive your CCA's audit, you will be aware of what violations, if any, were committed in the handling of your loan. Statistically speaking, almost every loan contains at least several violations. You can then decide if you should proceed to seek a remedy against your lender.

If you do decide to proceed ahead, we will assist you in obtaining a loan modification using our audits as leverage and/or you will be referred to attorneys we work with who can immediately file a lawsuit or counterclaim on your behalf.

Armed with our audit containing violations, our loan modification team will negotiate with your lender for a reduced payment and even possibly a reduction of your principal balance. Or, the attorney will reach a settlement agreement with your lender using our audit to support your claim. If the claim continues into trial our audit will demonstrate to the judge and jury how the lender willfully violated with the applicable laws.

Forensic Mortgage Loan Audit:

A comprehensive review and analysis to determine if your lender (current or original) has violated any state and/or federal laws in originating your loan. It is a detailed examination of all loan originating and closing documents during the mortgagee process. Our audit will uncover and identify possible violations you may be unaware of. Those violations will be referenced to state and/or federal case laws in a detailed report.

Comprehensive Mortgage Audit Package:

This package includes the mortgage loan audit, loan servicer audit, as well as foreclosure papers if applicable. This comprehensive review looks for misapplication of payments, force placing insurance, improper late fees, and unwarranted fees. We also aid with the process of loan modification and negotiation letters to the lender. A valuable one year Consumer Cause of Action membership is provided to you at no cost. The comprehensive mortgage audit is designed to maximize the chance of obtaining favorable resolution and help prevent consumers becoming victims of abusive lending.

Forensic Payday & Title Loan Audit:

This is a comprehensive review and analysis of payday and title loan documents to uncover any violations of state and/or federal laws. Our audits educates the consumer of abusive and illegal practices of short term lenders. The audit also empowers the consumers to take meaningful action as a victim of abusive lending.

This audit is designed to educate the consumer of the abusive and illegal practices of payday and title loan lenders. The audit educates and empowers the consumer about their options to cancel the loan, work out more favorable terms, or bring the necessary claims and defenses against the lender.