Testimonial #1 

To Whom it May Concern,                                                                                                         The Purpose of this is to give honor where honor is due.

My Testimony:                                                                                                                              My name is Vewiser L. Dixon and I live at xxxx North xxxth St. Kansas City, Kansas.  I normally would not lend my name to any product or service, much less give out the address of my private residence.  However, in this case, I will have to put my personal convictions aside for those that are interested and experiencing the affects from the current housing crisis.  I must let my personal desires decrease and let the truth be told about a service and man sent by God, that has helped me in a time of need.

TJ was informed of my foreclosure and performed an audit on my mortgage and found significant violations that my Mortgage Broker and Lender had conducted on my loan.

Let me share with you that his timeliness and accuracy was second to none, because I was down to the last wire and day.  TJ and his team was able to give me the necessary strategy and ammunition to enjoin my lender to STOP MY FORECLOSURE in it's tracks.

As a result of the findings, the second mortgage lender decided to forgive their note FREE and CLEAR, if we dropped our claim against them.  I decided to agree.  The second mortgage was valued at $80,000 dollars.

Victory!...All praises due to GOD AND TJ's strategy and service.

Currently, I am still in court with my first mortgage and proceeding forth with the strategy TJ provided.  I am praying for FREE and CLEAR TITLE on this loan.  I have instructed my lawyer to proceed and ask for a Jury Trial.

Let me share with you another point.  I normally don't litigate for reasons of my FAITH.  However, because of the way our banking system has taken advantage of the American Dream, I decided "WIN, LOSE or DRAW"...it is time for some one to stand up and fight and declare that ENOUGH IS ENOUGH!!!!

I recommend that if anyone that desires to save their home and they need a person of integrity to fight with them.  I can not think of any better person to help you than TJ.

Thanks a Million!  TJ

Satisfied Client,                                                                                                                              Vewiser L. Dixon

P.S.                                                                                                                                                     My kids were able to experience the rest of the of the school year without having to move away from their friends and community.  A value...you can not put a price tag on!  Pray for TJ's strength to continue to help other people like me in their time of need.

Settlement Examples

Stopping the Foreclosure

"TJ and company's TILA and RESPA complaint process stopped my mortgage foreclosure dead in it's tracks."  Two and a half years with no payment and suit is very well under way.  EW in North Carolina, January 2006

Total Rescission of the Loan

"My family is resting a lot more comfortably in our home since last Friday's victory in court.  The victory occurred largely because of the excellent paperwork that you prepared, and your coaching me on what to say in court.  By the way, during the trial, the judge complimented you three times on the quality of your paperwork.  He made such a big deal of it that the bank's lawyer appeared to be embarrassed.  All in all, we won!!  Thanks a million, TJ!"  LD in Illinois, April 2004

Settlement and Monetary Awards

This was TJ's first lawsuit involving TILA and RESPA.  It began in 1998 and was against Ford Motor Co. and Chase Manhattan Bank.  The bank paid the client $30,000 in penalties for having used improper TILA forms.  The client won the right to sell the home without making any further payments and recover the equity he had, which was $34,000.  The total settlement to the client way $64,000.  LR in Oregon, 2000

Settled without going to Court

This client specified that he wanted to avoid court.  His goal was to have his loan reinstated, which the bank refused to do while threatening to take his home away through foreclosure.  By using the Mortgage Analysis, Audit and Defense process, the foreclosure process was stopped administratively (thus, avoiding court), and the bank agreed to the client's terms.  JO of Iowa, February 2004

Settlement after Sheriff's Sale

This couple had gone all the way through the foreclosure process and the Sheriff's sale.  The bank had pruchased the property at the sale.  The couple was still in their home, but eviction wa imminent.  The client wa supplied with a page and a half letter that made TILA, RICO, RESPA and FDCP claims, which the client sent to the lender.  A week and a half later, the bank's attorney called the client and wanted to settle.  This couple did not like the bank's first offer and rejected it.  The bank submitted a second offer of applying the equivalent of 21 payments against the principal and reinstated the loan with no increase in monthly payments.  Currently, the clients are negotiating a complete rescission of the loan.  DA of Iowa, April 2004