United Foreclosure Attorney Network

Offering Multi-Party & Individual Litigation

 Introduction

Thousands of Americans have found themselves facing homelessness and financial

devastation because of the greed and impropriety of the financial system over the
last several years. As these individuals struggle to stay in their homes and feed their
families, the investors and institutions who created this widespread ruin maintain
their million dollar bonuses.

Institutions that purchased the failed banks swooped in to pick through the ruins
they helped to create. In many instances, the same banks who relaxed their
underwriting policies to a point of lunacy and encouraged dishonest and deceptive
practices of brokers by offering large cash payments for loans obtained, later bet
against these same loans in the form of credit default swaps. These institutions used
the multiple millions they received from betting against the poor quality loans they
themselves originated to then buy up the failed banks at fire sale prices, claim
protections as innocent holders in due course, and foreclose on the homeowners they
previously defrauded.

It is time to put a stop to this injustice. While no attorney or law firm can guarantee
success, we are here to fight for your rights. We will do whatever it takes to keep
you in your home. While other law firms litigate your rights, we will also fight to
keep you in your property and protect the rights you have in your property.
Finding the "Right" Action

Determining the right legal action is a complex process.

Engaging the right law firm to fight on your behalf is critical.
Only an attorney can determine the appropriate legal action for
each individual client. Therefore, to ensure the goals and needs of
each individual client are aptly met, an attorney consultation will
be performed at no cost to the client. A myriad of services are
available to clients at various price points. During the free
attorney consultation, the attorney and client will determine the
appropriate legal action and proceed accordingly. The client’s
contract will not be executed until he/she has actually spoken to
an attorney who has reviewed the file and discussed all available
options.

No client should be left to make such a decision as to the

appropriate legal action to take without first consulting legal
counsel. It is of the utmost importance that clients make an
informed decisions in regard to the retention of their homes. Our
team of attorneys and representatives work diligently with each
prospective client to ensure he/she is serviced with the legal
action best suited for the circumstance.
UFAN Attorneys

UFAN only works with talented and competent attorneys. UFAN

realizes our clients have placed their welfare in our hands. A home is
the heart of the family and we do not take lightly the task of fighting
for our clients’ homes. For this reason, we are careful to work only with
attorneys of good moral character and skill.

Because we believe our attorneys are of the highest quality we

encourage our clients to perform an attorney search on the state bar
website. Simply go to www.calbar.ca.gov. Then type the attorney’s
name or state bar number, as provided below, into the “attorney search”
search box.

UFAN is collaborating with a growing list of attorneys and firms in

multiple jurisdictions.

Included are the following attorneys:

UFAN Attorneys

Kristin Crone (SBN: 269679)

• Kristin Crone is an ambitious and energetic attorney. She is a
zealous advocate for consumers in many areas of law. Kristin Crone
is a graduate of Indiana University Maurer School of Law, a top 25
law school.
• During law school, she began her career in consumer advocacy by
running two tax clinics for low income taxpayers. Through the tax
practice, she began work in bankruptcy law for many clients who
had dischargeable tax debts.
• After law school, Ms. Crone worked for a California law firm as the
firm’s sole bankruptcy attorney. Most of the clients with whom she
worked were facing a foreclosure sale and had very high unsecured
debts. Not only was bankruptcy a good way to stop the foreclosure
sale, but it also helped relieve the clients’ debt.
• Not all clients were best served by bankruptcy, yet had pending
foreclosures or wished to fight their mortgage lenders. Ms. Crone
began helping these clients with mortgage litigation and
foreclosure protection outside of the bankruptcy courts.
UFAN Attorneys

Terry Thomas, Esq. (SBN: 133963)

• Terry Thomas has been a member of the California Bar since the
1980's. He is the author of many appellate cases in California,
Nevada and the federal Ninth Circuit Court of Appeals. His areas
of practice have always been business and real estate oriented.
• Terry began his legal career at the Ninth Circuit Court of Appeals
as the chief Lexus Researcher for Circuit and District court judges,
magistrates, law clerks, and federal public defenders. Based on this
experience Mr. Thomas authored and published a leading book on
computerized legal research.
• After Mr. Thomas’s time in the 9th circuit he litigated against The
California Attorney General in a major case involving the land
around the San Francisco Bay. This landmark real estate trial is the
only case to date to defeat the San Francisco Bay Conservation
Commission and literally changed the size of the San Francisco
Bay.
• Using his trial experience Mr. Thomas has devoted his practice to
taking on big banks in fighting foreclosure processes. Mr. Thomas
is eager to apply his litigation experience in multi-party legal action
against major lenders.
UFAN Attorneys

Chad T.W. Pratt (SBN: 149746)

• Mr. Pratt is a Los Angeles native, born in the beautiful state of
California in 1963. He attended Santa Clara University and earned
an honors degree in History in 1986. He went on to pursue a
degree in law at Loyola Law School. He received his Juris
Doctorate from Loyola in 1989 and was admitted into the
California State Bar in 1990.
• Mr. Pratt has been practicing law for over 20 years in California
courts. He is admitted to practice in state court, and Central and
Southern District Federal Courts.
• Throughout his career, Mr. Pratt has been a zealous advocate for
homeowners and tenants. He has a record of success. He has
successfully completed thousands of unlawful detainer cases and
thousands of court trials, mediations, arbitrations, and depositions.
• Thus far, Mr. Pratt has successfully assisted homeowners in
principle reductions of their mortgages as well as cancelling or
delaying foreclosure sales.
• He is a member of the California State Bar in good standing. He is
also a member of Consumer Attorneys of Los Angeles.
 Complex Litigation

Other mass litigation law suits have focused only on litigation involving
residential mortgages. While homeowners sought out help with their
mortgages in order to keep their homes, the previous actions somewhat
overlooked the most important goal of their clients – to stay in their homes.

UFAN recognizes that its clients’ number one priority is keeping their
properties. For this reason, UFAN provides foreclosure protection services in
addition to litigation services. UFAN fights not only for justice, but also to keep
clients in their property.

UFAN has built a strong dependable staff. UFAN has established processes to
make certain no client gets lost in the system. Although no one can guarantee a
specific result in litigation we assure you our team is available to support you
throughout the process. Client calls will be returned within 48 hours.

UFAN believes that clients must be served professionally while engaged in

multi-party litigation. Multi-party litigation provides clients an affordable
avenue to pursue their claims against their lenders while fighting to stay in
their homes.
 Complex Litigation
Who is the right client for multi-party litigation?
• A client who realizes if he/she wants to keep the property, it is going to require a fight.
• A client who understands that no one can guarantee or predict the outcome of the litigation. We are here to fight and win; but
ultimately the case settlement depends on the willingness of both parties (the client and the bank) and a final judgment can only be
determined by the judge.
• A client who had some kind of change in circumstance: either the client lost income, or had a severe decrease in the value of his/her
property – or both.
• A client who understands he/she has an economic decision to make: Does he/she want to give away the home, or pay to fight for it?
What are the benefits of multi-party litigation?
• If you are a homeowner who wants to fight back, multi-party litigation is an affordable solution. Individual litigation can be
prohibitively expensive and many times requires the homeowner to pay court filing fees and other fees related to the litigation. With
multi-party litigation, the costs of litigation are shared by multiple plaintiffs.
• The multi-party litigation platform not only offers plaintiffs a more affordable option for fighting the large banks, we believe it also
offers strength in numbers. Plaintiffs can now form a united front against big banks.
• In a court of law this suit will seek remedies for all of the ills done to distressed homeowners. Relief sought may include but is not
limited to: principle reductions, more favorable interest rates, getting the home free and clear of the loan, and monetary damages.
Only a licensed attorney can adequately assist you with the determination of whether you are ultimately a good fit for multi-party
litigation. That is why UFAN ensures all clients receive a consultation with a California licensed attorney at no cost. If multi-party
litigation is not a good fit for you, other options are available. While there are no promises or guarantees as to outcome in law, we take our
fiduciary duty to zealously protect your legal rights seriously. You must fight if you want to stay in your home and we will help you do it.
 Complex Litigation

For what are the banks being sued in these actions?

• Many banks took government TARP funds in exchange for taking over distressed loans. Over $750 billion dollars of these
funds were paid out to the banks and yet banks are still foreclosing on distressed homeowners instead of trying to work
out a plan to keep consumers in their homes.
• The banks claim that the mortgage crisis is placing them in distress, but Wells Fargo (as an example) recently had its best
quarter in its 200 year history. They are doing great, and at the expense of consumers.
• The goal of this case is to make big banks accountable for the loans they acquired. Consumers want justice for the evils
done by the financial industry – they want to prevent another bank getting richer off of their devastation. For this, we
fight!
• Consumers borrowed money from Peter and now Paul is asking for it. Paul must show that he has a right to those funds.
• Banks have been collecting so much money, but paying little or no attention to details necessary to protect consumers such
as recording laws and non-judicial foreclosure statutes. They should pay for this negligence.
• Furthermore, consumers entered into loans assuming they would have a relationship with a lender with whom they could
negotiate in the event circumstances changed. Instead, they were put into a relationship with a servicer that had limited, if
any, powers to negotiate with homeowners, and thus they were not given the benefits of the contract for which they
bargained.
 Complex Litigation

Claims may include but are not limited to:

• Malfeasance

• Statutory Violations

• 3rd Party Beneficiary Claims (including Patriot Act violations)

• Phantom Investors and Beneficiaries

• Unfair Business Practices (including robo-signing of documents and

fraudulent communications to homeowners)

• MERS issues (e.g., beneficiary processes and circumvention of recording

statutes)

• Proof of Note (security instrument)

 Litigation Cases

UFAN and its litigation team are filing individual & multi-party cases against the
following lenders and servicers:

Litigation claims are not limited to the banks listed. If your lender is not shown above, please feel free to inquire.

Logos/Artwork/Trademarks © Copyright their respective owners

 Potential Case Outcomes

Litigation is a complex process with many factors influencing the potential outcome. Although UFAN strongly
believes in the legal merits of its respective cases there are no guarantees of any specific outcome. Multi-party
litigation enables thousands of homeowners to band together against their lenders with a common legal cause of
action. The following are possible outcomes of this litigation:

Trial Resulting In Judgment Pre-trial Settlement: As each

For Plaintiffs: Counsel’s goal
will be to seek, among other
things, a complete severance of
the loan from the property.
Dismissal of Case: We could
fight the banks and lose – but
most homeowners will remain in
their homes throughout the
litigation.
client joins the multi-party action
the lender will receive a pre-trial
settlement demand. The litigator
may negotiate a settlement. The
potential terms of this settlement
are on a case by case basis.
 Litigation Process

What to Expect: We understand litigation is a serious process. Understanding the complex issues as well as tracking the process and
how it may affect your home can be extremely stressful. Our commitment is to provide open and transparent communication with you
at all stages of the litigation process.

1. Initial Intake : A UFAN legal assistant will assist you in walking through the required questionnaire. Your specific information
will be given to a UFAN attorney to determine if you are an eligible candidate for litigation.

2. Engagement Packet: Based on your eligibility for litigation a UFAN retainer packet will be sent out to you. The completion
and return of this document will be required prior to representation. Furthermore, you will be required to complete a
consultation with a UFAN attorney, and the attorney must execute the retainer documents before you will be retained. Prior to
retention, no work will begin on your file.

3. Attorney Consultation: The attorney consultation call is a requirement to become a litigation plaintiff. This call confirms your
complete understanding of the litigation process in order to proceed forward.

4. Case Management: Through a combination of online case management software, customer support, and Friday litigation
webinars, clients will have open communication and support throughout the litigation process.

* For litigation clients who have received a notice of default, or who are now late on payments or soon stopping payments, foreclosure
protection is available as an ancillary service. Please contact the UFAN legal team to discuss options to protect your home from
foreclosure.
 Multimedia Links

The following resources assist in educating yourself to many of the potential misdeeds done by lenders and services. Complex
litigation is a serious decision. These links will aid in your research. UFAN strongly encourages you to invest time in really
understanding what has taken place with many lenders and loan servicing companies.

Related News Articles Related Video Links

• Homeowners Say Loan Mods Lead Them to Foreclosure - Sign On • The Next Housing Shock – 60 Minutes Expose
San Diego
• The Human Face of “Robo-Signing” – Realty In Fusion • The Newest Foreclosure Mess
• Courts Helping Banks Screw Over Homeowners - Rolling Stone • Ohio Attorney General Suspects 'Thousands' Of Cases
Magazine
Of Foreclosure Fraud
• GMAC Foreclosure Case May Set Anti-Bank Precedent – Business
Week • Faulty Paperwork Prompts Deepening Foreclosure
• Some judges chastise banks over foreclosure paperwork – Problem – PBS News
Washington Post
• Fight over who has legal right to foreclose makes mess worse - USA
• MERS "Foreclosure Proof" Homes - Fox News Insider
Today • Lenders Must Now 'Produce The Note' - CNN
• Mortgage Mess: Shredding the Dream – Business Week Foreclosure News
• Foreclosure Mess; More Shoes to Drop? – Money Talks News
• Tired “Robo-Signers” Let Other People Sign Their Names – Money
• Banks Foreclose On Homes That They Don't Own
Talks News • Produce The Note - Good Morning America
• Big Problems for Banks: Due Process – New York Times
• Landmark Decision Promises Massive Relief For Homeowners And • Fight Foreclosure - Demand The Banks Produce The
Trouble For Banks – Web Of Debt.com Note!
• MERS, It May Have Swallowed Your Loan – NY Times
 Closing & Contact Information

Thank you for taking some time to learn more about your rights as an
American homeowner. Lenders and banks have been given billions of
dollars to help resolve an epidemic housing challenge. Yet very little of
those funds resulted in relief for homeowners which those funds were
intended to support. Recent cases filed, as well as, many news stories
point to an even larger problem of bank fraud.

NOW IS THE TIME TO FIGHT BACK!!!

If you would like more information regarding how to join the UFAN
Multi-Party Litigation process, please contact a UFAN legal assistant.

We look forward to serving you during this challenging time.

United Foreclosure Attorney Network