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CFLA, Inc.

Nation's Leading Experts on Mortgage Securitization. But as the company continues to grow, we’re careful to hold true to our original vision.

Every day, more and more Americans are foreclosed upon despite the known irregularities in loan documents, fraud, predatory lending practices, contract law violations, and many actionable torts, on behalf of major lending institutions, loan servicers, investment banks, and even government institutions. As attorneys, we knew there had to be an easier, more affordable way for industry professionals

to obtain access to the world of “hidden trade secrets” that our team of experts has developed. Our founding vision at CFLA was for Attorneys and Legal Professionals to utilize cutting edge trade secrets and industry professionals to assist them in the training, research, and work product development necessary to litigate on behalf of their homeowner clients. We brought together some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA, the leading, nationally recognized legal brand for law firms, attorneys, and small business in the United States. From the beginning, our mission was to set new standards for convenience and service in an industry not typically known for great customer care. For us, the goal is not simply to provide a smart, cost-effective alternative—it’s to make sure everyone gets the legal protection they need. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. For us, putting the law within reach of millions of people is more than just a novel idea—it’s the founding principle. CFLA, LLC - A Network of Experienced Professionals

ANDREW P. LEHMAN, JD, CFLA, MSA
CEO / President / Chairman of the Board of Directors
Andrew is CFLA's Managing Member and he governs the quality control and implementation of policy standards for CFLA at the executive level. Andrew's background is in Corporate Governance. Andrew studied Chemical Engineering as an Undergraduate at Texas Tech University, in Lubbock, TX, and went on to study business Finance at the University of Houston. Andrew also obtained a Juris Doctor degree after attending Southwestern College of Law in Los Angeles, CA. Andrew Lehman was nominated to the list of finalists of the Southern California Entrepreneurs of the Year in 2011, by the Orange County Register. Andrew Lehman has been the creative inspiration for this company which has grown to nearly $25MM Market Capitalization in just a few years of business.

02/12/2025

Licensed Tax preparation services for all 50 states.

03/23/2023

CFPB Misses the Mark — Overkill Against Someone Trying to Help and Underkill Against the Banks
Posted on July 28, 2020 by Neil Garfield
I think that the CFPB, FTC and SEC continue to miss the point. The base of “deceptive and unsubstantiated representations” comes from the banks and their lawyers.

CONSUMER FINANCIAL PROTECTION BUREAU ANNOUNCES SETTLEMENT WITH FORECLOSURE RELIEF SERVICES COMPANY AND ITS OWNER

WASHINGTON, D.C. – On July 20, 2020, the United States District Court for the Central District of California entered a stipulated final judgment resolving the Consumer Financial Protection Bureau’s (Bureau) allegations against Certified Forensic Loan Auditors, LLC (CFLA) and Andrew Lehman (Lehman). CFLA is a foreclosure relief services company headquartered near Houston, Texas, and Lehman is CFLA’s president and CEO. The Bureau alleged that CFLA and Lehman engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 (CFPA) and charged unlawful advance fees in connection with marketing and selling financial advisory and mortgage assistance relief services to consumers in violation of Regulation O and the CFPA. The court’s order permanently bans CFLA and Lehman from the industry and imposes a suspended judgment for redress of $3 million and civil money penalties of $40,000.

The Bureau’s complaint, which was filed on September 6, 2019 and amended on November 13, 2019, alleged that CFLA and Lehman made deceptive and unsubstantiated representations about the company’s mortgage assistance relief services and its ability to help consumers avoid foreclosures or negotiate loan modifications. Specifically, the amended complaint alleged that the company made deceptive and unsubstantiated claims about the efficacy and content of its services, as well as false claims about the experience and qualifications of the people performing those services. The Bureau also alleged that the company’s conduct constituted abusive acts or practices in violation of the CFPA. Finally, the Bureau alleged that CFLA and Lehman charged consumers illegal upfront fees in violation of Regulation O, which governs the offering or provision of mortgage assistance relief services.

The court’s order permanently bans CFLA and Lehman from providing mortgage assistance relief services or financial advisory services. The order also imposes a suspended judgment against CFLA and Lehman for redress of $3 million and imposes a civil money penalty of $40,000. The suspended judgment for redress and the amount of the civil money penalty account for CFLA’s and Lehman’s limited ability to pay based on sworn financial statements. Whenever the Bureau collects a civil money penalty through an enforcement action, that penalty is deposited into the Bureau’s Civil Penalty Fund. Assuming continued available funds, the Bureau will work to provide full relief from this fund to eligible harmed consumers.

CFLA and Lehman were the only remaining defendants in the Bureau’s lawsuit. The court previously entered a final judgment resolving the Bureau’s allegations against Michael Carrigan, CFLA’s former auditor.

The stipulated final judgment and order against Carrigan is available at: https://files.consumerfinance.gov/f/documents/cfpb_CFLA-lehman-carrigan_final-stipulated-judgment-order_2019-10.pdf.

The amended complaint is available at: https://files.consumerfinance.gov/f/documents/cfpb_cfla-lehman-carrigan_amended-complaint_2020-07.pdf.

The stipulated final judgment and order against CFLA and Lehman is available at: https://files.consumerfinance.gov/f/documents/cfpb_cfla-lehman-carrigan_final-stipulated-judgment-order_2020-07.pdf.pdf.

# # #

The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by regularly identifying and addressing outdated, unnecessary, or unduly burdensome regulations, by making rules more effective, by consistently enforcing federal consumer financial law, and by empowering consumers to take more control over their economic lives. For more information, visit consumerfinance.gov.

05/27/2020

Back to Full Steam Ahead

New York will allow new lawsuits to be electronically filed statewide, reopening the high-traffic courts of NYC to new "nonessential" matters for the first time since the COVID-19 pandemic shut them down.

http://ow.ly/1k8P50zR22n

05/18/2020

COVID-19 might be the catalyst for expert witness testimony in foreclosure cases.

The interesting thing is that the cost of producing an expert witness has just been cut by Coronavirus and COVID 19.

http://ow.ly/XJBE50zJN1f

05/08/2020

The Great Realization is that securitization is a myth.

A very profitable myth. A myth that resulted in profits that were geometrically higher than any transaction with any homeowner, consumer or borrower.

http://ow.ly/76ln50zAgy5

05/07/2020

Tonight! Government Complicity in Wall Street Corruption

How the FDIC Enabled the Chase - WAMU Con Job! + COVID Update 3PM PDT 6PM EDT

http://ow.ly/qzbm50zAguh

04/27/2020

The CFPB announced its intention to rescind key provisions of the Bureau’s 2017 payday lending rules. This means that payday lenders will once again be allowed to make loans without taking a borrower’s ability to repay them into account.

http://ow.ly/CuY050zq91w

04/24/2020

Hello Loyal Customer of CFLA:

Without you CFLA would not be able to serve the thousands of people in the USA Europe and Australia.

As you know, we are facing a battle with the CFPB the most dilatory federal agency in existence. They are supposed to be protecting consumers but call them and see if they will help you. No they do not help. CFLA however, has been helping customers since 2007 and maintains an A+_+ rating with the BBB and provides a valuable service.

http://ow.ly/YX3z50zn4PZ

04/21/2020

Securitization Claims Are a Matter of Facts and Reality, Not Opinion

I am in constant contact with several very supportive readers who, understanding part of the process of securitization, have then launched their own version of what happened.

http://ow.ly/2KnB50zjME2

04/17/2020

If it’s not a loan, then what was it?

As many homeowners are still finding out, they are confronted by a pallet of entities who are constantly rotating as though the mortgage scene was some giant display.

http://ow.ly/U5V950zhBsF

04/01/2020

Elizabeth Warren and Others Warn That Pandemic is Exposing Underbelly of Corrupt Financial System

Securitization as practiced creates an existential threat to our society, our laws and the individual hopes and dreams of anyone who is not in on the game.

http://ow.ly/f4lh50z1I0u

03/30/2020

Use of Depositions at Trial Might Shorten Process and Reduce Costs

While it is not certain, the Californian Decision in Raul Berroteran II v. Ford Motor Company, might be the harbinger that could change litigation forever.

http://ow.ly/fe6250yYbp2

Address

13101 W Washington Boulevard, Ste 140
Los Angeles, CA
90066

Telephone

+18887582352

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