S. Foreman And Associates

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We hope you can find everything you need. CJMAXX GROUP is focused on providing high-quality service and customer satisfaction - we will do everything we can to meet your expectations.

Restoring Lives With Education
The founder of C J Maxx Group LLC. has been educating people for over 10 years. We started this company not to get rich but to help people get ahead in life, and if we get wealthy in the process so be it. We at C J Maxx Group LLC. have been in the Real Estate, Mortgage, and the Automobile industries, with over 40 years combine experience. We have customers from coast to coast.

There are two acts, the FCRA (Fair Credit Reporting Act) which was recently revised into the Fair and Accurate Credit Transactions Act (FACT Act), and the FDCPA (Fair Debts Collections Practices Act). These two acts were set up to protect your credit rights. Sounds like legal stuff right? Don't worry, they're simple to understand. What they basically do for you is hold your creditors and credit bureaus responsiblelegally. Which means every claim against your credit they have to back up, and provewhich is a beautiful thing.

In this day and age, having good credit means everything from being able to afford an automobile or more importantly a new home. Without the proper credit, one would not be able to purchase many things or would be very difficult and much more expensive. Millions of Americans believe that the credit reporting agencies are government organizations. The fact is that the credit reporting agencies are NOT government related. Credit reporting agencies are privately owned companies that make money by collecting information about you and selling the information. There may be many small credit reporting businesses in your area, but the ones they all report to are the main largest three, which are: Equifax, Experian, and TransUnion.

Now even though we do help people restore and build their credit with education, C J Maxx Group also provides forensic loan auditing needs.

C J Maxx Group LLC is a network of experienced professionals specializing in the research and analysis needed to provide attorneys and loan modification companies with a total package support that they need to even the playing field with Lenders and successfully negotiate loan modifications or file predatory lending lawsuits. Our service is focused on providing Law Firms and Loan Modification professionals the most highly reliable and dependable "Premium Forensic Loan Audit".

We are the industry leader in Forensic Loan Audits and saving peoples homes. At no charge we have forced many banks to reduce interest rates and to give the home owner much better payment terms. We h...

The few who understand the system will either be so interested from it's profits or so dependent on it's favors that there will be no opposition from that class." -- Rothschild Brothers of London, 1863
One process of Mortgage Elimination has provided a highly confidential administrative procedure that had been 100% effective for several years. A non-confrontational way to insure there's no litigation, over 400 homeowners obtained clear title. However, in the past year or so, the banks reneged on their agreement to reconvey the deed after the debt was discharged. New procedures are needed to complete this administrative remedy.
The information below is useful to understand the extent of the banking fraud. Now we are using the consumer protection laws to stop the extraordinary predation of the banks and other lending institutions. Topmost of these laws is the Truth in Lending Act (TILA) of 1968, revised in 1980, 1995, and 2000. Also useful to our quest for fairness and justice under the law is the Real Estate Settlement Practices Act (RESPA), the Homeowners Equity Protection Act (HOEPA), the Fair Credit Billing Act (FCBA) , State and Federal Usury Laws , and others. The complexity of these laws has generally made them inaccessible to all but the most persistent and those who can hire attorneys to represent them. We have found a middle ground in which our paralegals audit and analyze your mortgage or deed of trust for violations, produce the documents that connect these violations to the statutes and case law, and guide your through the administrative stage. More than half of the cases are settled without the necessity of litigation. But we have attorneys all around the USA ready to represent you in court on a contingency basis should that be necessary.
How serious is it? Nearly EVERY mortgage or deed of trust has 25-35 violations of the statutes and regulations. The best we have seen was only 9 violations. Usually half of these violations are "title issue" which mean that they are so serious that such violations can lead to the lender being forced to give up security interest in the property....your home free and clear of debt. In addition each violation can result in fines against the lender up to $2000 each. You do the math.
Banks COULD lose their banking charter over this and, after all, what bank would be dumb enough to want to take their own fraud into court with someone who knows their secrets and how to deal with them?

NEWS: Better Business Bureau Issues Foreclosure Scam Alert
The vultures have begun to circle the increasing number of U.S. homeowners facing foreclosure. The Better Business Bureau has received complaints of foreclosure scams from every state and is warning consumers to be on the alert. The current foreclosure crisis has been deemed one of the worst in U.S. history. A record number of people have already lost their homes, and more are expected to follow as interest rates reset and home prices continue to fall. Homeowners are especially vulnerable right now, which means the opportunities are ripe for con artists who claim to offer foreclosure rescue services.

With a variety of offerings to choose from, we're sure you'll be happy working with us. Look around our website and if you have any comments or questions, please feel free to contact us.