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Foreclosure Help

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Overview
Many people who are in or close to foreclosure either have been a victim of predatory lending practices or have a mortgage that has technical or material defects. TJ has the expertise and experience to analyze your situation and your mortgage documents and tailor a defense package against a foreclosure action. TJ also has extensive experience acting as an expert witness in a foreclosure hearing.

Free 30 Minute Consultation
TJ offers a free 30 minute consultation over the phone to discuss your foreclosure situation. If TJ thinks you may have a case, he will recommend an audit of your mortgage as the next step.

Mortgage Audit - $400
In a Mortgage Audit, TJ analyzes all of your mortgage documents looking for technical or material defects that would be grounds for winning a foreclosure case. He also reviews the circumstances and bank practices to see if predatory lending practices were involved. If the Mortgage Audit reveals grounds for a case, TJ will recommend a Foreclosure Defense Package.

Foreclosure Defense Package - $2,350
The Foreclosure Defense Package is custom tailored to each individual's unique situation. The Foreclosure Defense Package is created in various stages, and results in documents outlining violations and the supporting law refences. These documented violations can then be used by the consumer and his/her attorney to defend a foreclosure action filed by the presumed lender. These laws and violations can also be used for mortgages not in foreclosure as long as the violations are with in the statute of limitations or fraud is detected.

It is very important to realize that Consumer Guardians is successful because we don't quit when we meet obstacles and setbacks. Many victories come after apparent losses. Some folks who come to us late in the foreclosure process have had to move out of their homes and we are still working to recover their losses. Others are still in their homes and have either stopped the foreclosure process or have achieved total settlement.

Here is a .pdf document for your review of an order challenging TJ as an expert witness:
Decision-on-Motion-to-Limit-Expert.pdf

If you think you are a victim of predatory lending or think that there is something wrong with your mortgage you should contact TJ at 641-799-3580 to determine if you have a case.

Request a Free copy of TJ's e-Book "Truth in Lending Handbook"

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TJ Hc Heigh and Consumer Guardian’s Biography

TJ Hc Heigh (a.k.a. TJ Henderson) was born and raised in Washington State and is 53 years of age.

He started his legal education in 1989 and has continued to study to the present. In 1994 he took his first case where he challenged the right to represent clients in the courts without being a member of the states bar association. In State v. Garrison TJ won that right and again one week later in State v. Henderson (his son's case). His legal education consists of complete self study and continues each and every day.

TJ has wrote and published several books, including a book on the subject of Mortgage Defenses and Protections, Secrets of the Banking Industry Revealed.

In 1998 TJ discovered the Consumer Protection Laws for mortgages, studied and took his first case, which settled in the spring of 2000.

Consumer Protection Laws and other protections studied by TJ:

  • Truth in Lending Act
  • Rescission and related laws
  • Real Estate Settlement Procedures Act
  • States Unfair and Deceptive Acts and Practices
  • Common Law Fraud, including constructive fraud
  • States various consumer protection laws
  • Real Estate law
  • Unjust Enrichment
  • States various settlement procedures
  • Mortgage Brokers and various laws
  • The Case Law for all the above

In 2001 TJ went into Consumer Protection on a full time basis which has yielded over 400 cases to date. Many of those cases have settled or are on going.

In 2003 TJ started the company Consumer Guardian and continues to be in business to present. In 2004 TJ saw the need for expert witness services in this area of law and became an expert in this feild of law.

Consumer Guardian with TJ at the helm has teamed up with many other companies to help consumers fight Predatory Lending practices perpetrated upon the American people since about 2003.

TJ offers a free 30 minute consultation over the phone with usually results in an audit of the mortgage no matter what year the mortgage was settled in to let the consumer know if they have a case worth pursuing. Once the consumer has come in the program a complete defense package is tailored for the client. The tailored package is done in various stages and the violations can be used by the consumer and his/her attorney to defend a foreclosure action filed by the presumed lender. These laws and violations can also be used for mortgages not in foreclosure as long as the violations are with in the statute of limitations or fraud is detected.

If you think you are a victim of predatory lending or think that there is something wrong with your mortgage you should contact TJ at the above number to determine if you have a case.

Thank you for your time,

TJ Hc Heigh (Henderson), Owner Consumer Guardian and Auditor

 

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TJ's mortgage audit process has reduced our jumbo loan down $350,000.00 and put every dime back in our pockets we spent on his process.TJ helped keep our suit alive against the banks for more than 8 years. In the end we ended up in a mortgage we can service. We are very happy. Thank you, TJ July 2015 PH of Minnesota
Testimonials & Case Examples

TJ has been actively involved in successful court actions since 1998. He has had over 150 case wins and 28 losses. Thirteen of his cases involved the Truth in Lending Act and RESPA laws. In early 2004, TJ joined with four other people to form Consumer Guardian, and we began doing Mortgage Analysis, Audit and Defense. Here are a few testimonials and case examples..
 
Significant Loan Reduction
TJ's mortgage audit process has reduced our jumbo loan down $350,000.00 and put every dime back in our pockets we spent on his process.TJ helped keep our suit alive against the banks for more than 8 years. In the end we ended up in a mortgage we can service. We are very happy. Thank you, TJ.  July 2015
PH of Minnesota
 
Stopped the foreclosure
"TJ and company's TILA and RESPA complaint process stopped my mortgage foreclosure dead in its tracks. 2 and 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 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 was $64,000. This case was awarded in 2000.
~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 purchased the property at the sale. The couple was still in their home, but eviction was imminent. The client was 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 reinstating the loan with no increase in monthly payments. Currently, the clients are negotiating for complete rescission of the loan.
~DA of Iowa, April 2004
 
Clear title
In 2002, TJ Henderson used the TILA laws to obtain clear title on his own automobile. This was achieved through an administrative action with threat of lawsuit, based on usury on the part of the lender. Auto loan was discontinued and titled issued.
~TJ of Iowa, October 2002