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Soapboxmom
11-27-2011, 06:56 PM
(http://www.bellahomesllc.net/)

Announcements in Forum : MLM / Pyramid Scams (http://www.scam.com/forumdisplay.php?f=11)






http://www.scam.com/images/statusicon/post_new.gif 11-23-2011 until 01-24-2012





http://www.scam.com/image.php?u=17577&dateline=1320927526 (http://www.scam.com/member.php?u=17577)
Zachary (http://www.scam.com/member.php?u=17577) http://www.scam.com/images/statusicon/user_offline.gif
Admin


Join Date: Nov 2005
Location: Lisbao, Portugal
Posts: 42
http://www.scam.com/images/reputation/reputation_pos.gif









Announcement: Getting Help With Your Mortgage
Listen to this announcement; it may change your financial future. Have you stopped making mortgage payments that you cant afford on a home that is upside down? Or are you considering a short sale or loan modification? Think again, Bella Homes has a better option for you to consider to resolve your real estate challenge.

Bella Homes is a national real estate investment company that has helped hundred’s of homeowners. They proudly stand out as an ethical and legitimate alternative to those less credible companies whose predatory tactics do nothing but exploit the homeowner’s financial predicament.

If your home qualifies, Bella Homes will buy your home for the amount of your mortgage even if your home is upside down. Don’t pack, stay put, Bella Homes will lease your home back to you for 40 to 60% of your current payments and grant you an exclusive option to buy your home back at 90% of the appraised value and give you a new payment that is 40-60% below your current mortgage payment with a new mortgage balance that is also 40-60% less than your current mortgage balance.

What’s the catch? There is no catch! That’s correct. A new payment and mortgage balance 40-60% lower than your current mortgage.

Bella Homes believes people not banks should own homes.

Visit http://www.bellahomesllc.net (http://www.bellahomesllc.net/) to see if your home qualifies for the Bella Homes program today!

http://www.bellahomesllc.net/images/banners/banner02.jpg (http://www.bellahomesllc.net/)
This is an approved message by scam.com. scam.com accepts no responsibility or liability for the actions of its advertisers




http://www.bellahomesllc.net/images/banners/banner01.jpg (http://www.bellahomesllc.net/)

Soapboxmom
11-27-2011, 07:06 PM
But wait, there is much more. Zachary is actually scam.com owner, George Dranichak (porn spammer and promoter), and Bella Homes is an LLC that was being exposed as a possible scam. Where did the thread and posts go you ask? Well, George takes down threads with threats from fake lawyers and with incentive as well I am told. So, folks that have been hurt by Bella posted on a long thread there voicing their concerns. Poof it disappears and suddenly George is advertising for them and even taking the bold step of announcing this. A wonderful birdie archived the thread. Read and decide for yourself what kind of scambuster and businessman George really is:

454

455

456

457

Soapboxmom

Whip
11-27-2011, 07:45 PM
But wait, there is much more. Zachary is actually scam.com owner, George Dranichak (porn spammer and promoter), and Bella Homes is an LLC that was being exposed as a possible scam. Where did the thread and posts go you ask? Well, George takes down threads with threats from fake lawyers and with incentive as well I am told. So, folks that have been hurt by Bella posted on a long thread there voicing their concerns. Poof it disappears and suddenly George is advertising for them and even taking the bold step of announcing this. A wonderful birdie archived the thread. Read and decide for yourself what kind of scambuster and businessman George really is:

454

455

456

457

Soapboxmom

Just reading the ad it's a scam. The numbers can't work.
Plus there's:


Registrant:
Domain Discreet
ATTN: bellahomesllc.net
Rua Dr. Brito Camara, n 20, 1
Funchal, Madeira 9000-039
PT
Phone: 1-902-7495331
Email: c4be5ce30a1612337fe9bf756b8e0c74@domaindiscreet.co m



Registrar Name....: Register.com
Registrar Whois...: whois.register.com
Registrar Homepage: Register Domain Names at Register.com - Business Web Hosting Services and Domain Name Registration Provider (http://www.register.com)

Domain Name: bellahomesllc.net
Created on..............: 2010-04-08
Expires on..............: 2013-04-08

Administrative Contact:
Domain Discreet
ATTN: bellahomesllc.net
Rua Dr. Brito Camara, n 20, 1
Funchal, Madeira 9000-039
PT
Phone: 1-902-7495331
Email: c4be5ce20a1612332db4462f412016f7@domaindiscreet.co m


Technical Contact:
Domain Discreet
ATTN: bellahomesllc.net
Rua Dr. Brito Camara, n 20, 1
Funchal, Madeira 9000-039
PT
Phone: 1-

Email: c4be5ce30a1612334d0f0cc69fa92e38@domaindiscreet.co m


DNS Servers:
ns1.nichelabs.net
ns2.nichelabs.net

Boy....that phone number certainly brings up some unsavory info:

902-749-5331

902-749-5331 / 9027495331 (http://800notes.com/Phone.aspx/1-902-749-5331)


This message does NOT involve a directed phone call. BUT, a SPAM e-mail that wants BANKING INFO form the receiver. Two phone numbers involved: and 877-209-2327, 902-749-5331

The level of slickness has been upgraded to being registered with Welcome to uwhois.com (http://www.uwhois.com), and Register.com. A means of fronting legitimacy.

RM
Ragingmt@rochester.rr.com
05-16-08


thought some one might find this interesting

Registrant:
Domain Discreet
ATTN: classiccloseouts.com
Avenida do Infante 50
Funchal, Madeira 9004-521
PT
Email: 059ce8160a1411500050a803c58db24f@domaindiscreet.co m

Registrar Name....: REGISTER.COM, INC.
Registrar Whois...: whois.register.com
Registrar Homepage: Register Domain Names at Register.com - Business Web Hosting Services and Domain Name Registration Provider (http://www.register.com)

Domain Name: classiccloseouts.com

Created on..............: Tue, Apr 16, 2002
Expires on..............: Sat, Apr 16, 2011
Record last updated on..: Thu, Jul 31, 2008

Administrative Contact:
Domain Discreet
ATTN: classiccloseouts.com
Avenida do Infante 50
Funchal, Madeira 9004-521
PT
Phone: 1-902-7495331
Email: 059ce80d0a14115001ff41b3c2e7ca95@domaindiscreet.co m

Technical Contact:
Domain Discreet
ATTN: classiccloseouts.com
Avenida do Infante 50
Funchal, Madeira 9004-521
PT
Phone: 1-902-7495331
Email: 059ce8180a14115000c010f0fe41ea23@domaindiscreet.co m

DNS Servers:

ns.rackspace.com
ns2.rackspace.com


Visit AboutUs.org for more information about classiccloseouts.com

AboutUs: classiccloseouts.com

Register your domain name at Register Domain Names at Register.com - Business Web Hosting Services and Domain Name Registration Provider (http://www.register.com)

littleroundman
12-16-2011, 10:34 AM
http://i218.photobucket.com/albums/cc153/thelittleroundman/ftclogo.jpg

Unfortunately, many companies use half-truths and even outright lies to sell their services. They promise relief, but don't deliver.
In fact, many of these companies leave their homeowner customers in worse financial shape.
The Federal Trade Commission (FTC), the nation's consumer protection agency, has a Rule in place to protect homeowners.
The Mortgage Assistance Relief Services (MARS) Rule makes it illegal for companies to collect any fees until a homeowner has
actually received an offer of relief from his or her lender and accepted it. That means even if you agree to have a company help
you, you don't have to pay until it gets you the result you want.

If you're struggling to make mortgage payments or facing foreclosure, the FTC wants you to know how to recognize a mortgage
assistance relief scam and exercise your rights under the new Rule. And even if the foreclosure process has already begun,
the FTC and its law enforcement partners want you to know that legitimate options are available to help save your home.

How the Scams Work

Fraudsters use a variety of tactics to find homeowners in distress. Some sift through public foreclosure notices in newspapers
and on the internet or through public files at local government offices, and then send personalized letters to homeowners.
Others take a broader approach through ads on the internet, on television or radio, or in newspapers; posters on telephone poles,
median strips, and at bus stops; or flyers, business cards, or people at your front door.
The scam artists use simple – but potentially deceptive – messages, like:

"Stop foreclosure now!"

"Get a loan modification!"

"Over 90% of our customers get results."

"We have special relationships with banks that can speed up the approval process."

"100% Money Back Guarantee."

"Keep Your Home. We know your home is scheduled to be sold. No Problem!"


Once they have your attention, they use a variety of tactics to get your money. By knowing how their scams work, the FTC says
you'll be better able to defend against fraud.

The "Forensic Audit"


In exchange for an upfront fee, so-called forensic loan "auditors," mortgage loan "auditors," or foreclosure prevention "auditors"
offer to have an attorney or other expert review your mortgage documents to determine if your lender complied with the law.
The "auditors" say you can use their report to avoid foreclosure, speed the loan modification process, reduce what you owe,
or even cancel your loan. In fact, there's no evidence that forensic loan audits will help you get a loan modification or any other mortgage relief.

Rent-to-Buy Schemes

Con artists who use the rent-to-buy scheme tell you to surrender the title to your house as part of a deal that allows you to
stay there as a renter and buy it back later. They say that surrendering the title will let a borrower with a better credit rating
get new financing and prevent the loss of the home. But the terms of these deals usually are so expensive that buying back
your home becomes impossible. You lose the house and the scam artist walks off with the money you put into it.
Worse, when the new borrower defaults on the loan, you're the one who's evicted.

In a variation, the scam artist raises the rent over time so you can't afford it. After missing several rent payments, you're evicted,
leaving the "rescuer" free to sell the house.

In a similar equity-skimming scam, fraudsters offer to find a buyer for your home, but only if you sign over the deed and move out.
They promise to pay you a portion of the profit when the home sells. Once you transfer the deed, they simply rent out the home
and pocket the proceeds while your lender goes ahead with the foreclosure. The result: You lose your home – and you're still
responsible for the unpaid mortgage because transferring the deed does nothing to transfer what you owe on the mortgage.

Bait-and-Switch


In a bait-and-switch scam, con artists give you papers they claim you need to sign to get another loan to make your mortgage
current. But buried in the stack is a document that surrenders the title to your house to the scammers in exchange for a "rescue" loan.

Know your Rights

The FTC's MARS Rule gives you rights – and sets out requirements for people who sell mortgage assistance relief services:
You don't have to pay any money until the company delivers the results you want. It's illegal for a company to charge you a penny until:



it's given you a written offer for a loan modification or other relief from your lender; and
you accept the offer. The company also must give you a document from your lender showing the changes to your loan if
you decide to accept your lender's offer.
And the company must clearly tell you the total fee it will charge you for its services.


Companies must disclose key information. The Rule requires companies to spell out important information in their advertisements
and telemarketing calls, including that:


They're not associated with the government, and their services have not been approved by the government or your lender;
Your lender may not agree to change your loan;
If a company tells you to stop paying your mortgage, it also has to warn you that doing so could result in your losing your
home and damaging your credit.
Companies can't tell you to stop talking to your lender. You should always feel free to contact your lender directly to
see whether they can offer you additional options. Companies that tell you otherwise are breaking the law.

If a company doesn't follow these rules, it could be trying to scam you.

Getting Help from a Lawyer

Some lawyers may offer to help you get a loan modification or other mortgage relief. Under the MARS Rule,
lawyers can require you to pay an upfront fee, but only if:



They're licensed to practice law in the state where you live or your house is located;
They're providing you with real legal services;
They're complying with state ethics requirements for attorneys; and
They place the money in a client trust account, withdraw fees only as they complete actual legal services, and notify you of each withdrawal.


Unfortunately, some people advertising mortgage assistance relief services falsely claim to be getting you help from lawyers.
So before you hire someone who claims to be an attorney or claims to work with attorneys, do your homework:
Get the name of each attorney who'll be helping you, the state or states where the attorney is licensed, and the
attorney's license number in each state. Your state has a licensing organization – or "bar" – that monitors attorney conduct.
Call your state bar or check its website to see if an attorney you're thinking of hiring has gotten into trouble.
The National Organization of Bar Counsel has links to your state bar: NOBC - The National Organization of Bar Counsel-Bar Associations and Disciplinary Authorities (http://www.nobc.org/Bar_Associations_and_Disciplinary_Authorities.aspx ?terms=Bar+Associations+and+Disciplinary+Authoriti es)

Ask relatives, friends, and others you trust for the name of an attorney with a proven record of getting help for homeowners facing foreclosure.

Beware of attorneys who make bold promises or try to pressure you into hiring them.

Warning Signs

If you're looking for a loan modification or other help to save your home, avoid any business that:



guarantees to get you a loan modification or stop the foreclosure process – no matter what your circumstances;
tells you not to contact your lender, lawyer, or housing counselor;
claims that all or most of its customers get loan modifications or mortgage relief;
asks for an upfront fee before providing you with any services (unless it's a lawyer you've checked out thoroughly);
accepts payment only by cashier's check or wire transfer;
encourages you to lease your home so you can buy it back over time;
tells you to make your mortgage payments directly to it, rather than your lender;
tells you to transfer your property deed or title to it;
offers to buy your house for cash for much lower than the selling price of similar houses in your neighborhood; or
pressures you to sign papers you haven't had a chance to read thoroughly or that you don't understand.

Where to Find Legitimate Help

If you're having trouble paying your mortgage or have gotten a foreclosure notice, contact your lender immediately.
You may be able to negotiate a new repayment schedule.

Other foreclosure prevention options, including reinstatement and forbearance, are explained in Mortgage Payments Sending You Reeling? Here's What to Do (http://www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm), a publication from the FTC. Find it at ftc.gov/yourhome (http://www.ftc.gov/bcp/edu/microsites/moneymatters/your-home.shtml).


You also may contact a credit counselor through the Homeownership Preservation Foundation (HPF),
a nonprofit organization that operates the national 24/7 toll-free hotline (1.888.995.HOPE) with free,
bilingual, personalized assistance to help at-risk homeowners avoid foreclosure.
HPF is a member of the HOPE NOW Alliance of mortgage servicers, mortgage market participants and counselors. More information about HOPE NOW is at hopenow.com (http://hopenow.com/).

Report Fraud

If you think you've been the victim of foreclosure fraud, contact the Federal Trade Commission, ftc.gov (http://ftc.gov/), or
your state Attorney General's office, naag.org (http://naag.org/)or the Better Business Bureau, bbb.org (http://www.bbb.org/).

For More Information

To learn more about mortgages and other credit-related issues, visit www.ftc.gov/credit (http://www.ftc.gov/credit) and MyMoney.gov (http://www.mymoney.gov/),
the U.S. government’s portal to financial education.

The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide
information to help consumers spot, stop and avoid them.
To file a complaint (https://www.ftccomplaintassistant.gov/) or get free information on consumer issues (http://www.ftc.gov/bcp/consumer.shtm), visit ftc.gov (http://ftc.gov/) or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a video, How to File a Complaint (http://www.ftc.gov/multimedia/video/scam-watch/file-a-complaint.shtm), at ftc.gov/video (http://www.ftc.gov/video) to learn more.
The FTC enters consumer complaints into the Consumer Sentinel Network (http://www.ftc.gov/sentinel/), a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

Mortgage Assistance Relief Scams: Another Potential Stress for Homeowners in Distress (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre42.shtm)

Soapboxmom
12-17-2011, 12:05 PM
You heard it here first! George Dranichak doesn't stop scammers in their tracks he takes money to advertise for them. One certainly can't report a scam there! George is such scum he removes the thread about the scam knwoing there are mountains of legitimate complaints and then he personally endorses it and covers the forum in the ads fir which he is well paid!




12-09-2011 until 01-01-2012





http://scam.com/image.php?u=17577&dateline=1323431559 (http://scam.com/member.php?u=17577)
Administrator (http://scam.com/member.php?u=17577) http://scam.com/images/statusicon/user_offline.gif
Vladimir


Join Date: Nov 2005
Location: Belgrade, Serbia
Posts: 45
http://scam.com/images/reputation/reputation_pos.gif









ADVERTISING SPECIALS ****
We have one spot available now. Get your 250 by 250 banner on over 200,000 Google Indexed pages 30 days $1000. First $1000 takes it. You will get the banner spot after every 3rd reply on the whole website! Email scamcomwebmaster@gmail.com to get an invoice.

OR

Get your business announced! Look at Bella Homes below. 60 day announcement, writeup, and banner linking to your company. We have 10 spots $400, normally $600. Email me

Get a two to five word text link on over 800,000 pages for $750 a month, normally $1000. 5 spots available.

These prices are for December only, spots on limited, act now.
__________________
Advertising Specials (http://scam.com/announcement.php?f=23)On Scam.com Launch Your Business Here !







Bella Homes Llc

7047 E. Greenway Parkway Suite 250 Scottsdale Arizona 85254 United States of America


Phone: 480-993-1968
Web: Bellahomesllc.net (http://bellahomesllc.net/)
Category: Multi Level Marketing (http://www.ripoffreport.com/Finance/Multi-Level-Marketing/Search.aspx)





Bella Homes Llc Daniel David Delpiano Multi level marketing Scam Rip you off- rip you off Scottsdale Arizona

*REBUTTAL Individual responds: Rebuttal from Ron and Jody Courtney

Print this Report
Email this Report

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1 (http://www.ripoffreport.com/multi-level-marketing/bella-homes-llc/bella-homes-llc-daniel-david-d-e41c3.htm#)Author 0 (http://www.ripoffreport.com/multi-level-marketing/bella-homes-llc/bella-homes-llc-daniel-david-d-e41c3.htm#)Consumer 0 (http://www.ripoffreport.com/multi-level-marketing/bella-homes-llc/bella-homes-llc-daniel-david-d-e41c3.htm#)Employee/Owner

Respond to this Report



Respond to this report!
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What's this?
Arbitrate
Set The Record Straight! (http://www.ripoffreport.com/Remove-A-Report/VIP-Arbitration-Program/ED-Magedson-explains-7AD2E.htm)
Repair Your Reputation
...the right way!
Corporate Advocacy Program (http://www.ripoffreport.com/CorporateAdvocacyProgram/Change-Report-From-Positive-To-Negative.aspx)


Bella Bella Bella Homes Llc. Where should I begin. How about how your company entices people to join your MLM. Promises of helping home owners and big commissions for representatives. That's the hook, now the truth.

If you are so naive to believe these snake oil salesman, then you deserve to be scammed.

I will not throw wild accusations, I will let the facts speak for themselves. Please protect yourself and do your own research, however here is the company lineup.

Bella Homes Llc.

President and CEO

Mr. Mark Diamond Look him up under Mark and Terry Diamond and enjoy the States point of view on these two.

Mr. Daniel David Delpiano Please google and have fun with all the Georgia and Florida State photographs.

Mr. Sunil Wadhwa O.K. Ready check out State of California Cease and Disist Order dated December 8, 2004 for his company Positive Return Inc. Then go to his most recent fun, State of California where he lost his case and was threatened by the Judge that if he continues this practice he will be labeled Vixtious litigant, which basically means that you will not be allowed in Federal or State courts again due to frivolous lawsuits.

Mr. Rick Walsh Sales scam extraordinaire, this guy is currently working three MLM's names. Sisel International, Bella Homes Llc. The home loan hero.

Mr. Ron and Jody Courtney Many very unhappy people know these two, they were senior directors at the company Eiro Research another MLM. All the reps for Eiro Research woke up to find that the Courtney family had left town and all the money was gone. ROIunlimited.com another MLM going to town, watch-out.

Beware the site scam.com. Seems like a cover site.

I know people who have worked with this company, they will submit a deal only to be denied, after all the work of putting it together.

Why

Answer, the company has no intention of performing the stated service, just sit back and collect dues.

Let me ask you, do you really think a band of MLM'ers are really gonna take on Wall St? Here is the thing, most judges are elected, who finances their campaigns, yes Wall St.

So this little band of, whatever they are, will continue down the road like they have there entire professional path to the next unexpectating group of good hard working decent Americans. What will be left in their wake is disappointment, people getting ripped off of there hard earned money and broken dreams when you have to tell a homeowner they were turned down with no reason given.

Yours truly

Sad Panda

Soapboxmom
12-18-2011, 06:41 PM
The scambusters on the thread George Dranichak deleted noted this:
http://www.georgia.gov/dbf/images/dbf_press_logo.gif

http://www.georgia.gov/dbf/images/deal_governor.gif
http://www.georgia.gov/dbf/images/braswell_commissioner.gif


FOR IMMEDIATE RELEASE

Wednesday, May 11, 2011




Georgia Department of Banking and Finance's Order to Cease and Desist Issued to Bella Homes, LLC Becomes Final


Atlanta, Georgia - On May 10, 2011, an Order to Cease and Desist issued by the Georgia Department of Banking and Finance (“Department”) to Bella Homes, LLC, located at 7047 E. Greenway Parkway, Suite 250, Scottsdale, Arizona 85254, became final.
This Order to Cease and Desist was issued by the Department after it obtained evidence that Bella Homes, LLC engaged in residential mortgage brokering/lending activities without a license or under an applicable exemption.
Pursuant to Georgia law, it is prohibited for any person to directly or indirectly make, solicit, purchase, place, process, negotiate, or service mortgage loans for others, or offer to solicit, process, place, or negotiate mortgage loans for others without a mortgage license or pursuant to an exemption from licensure.

Contact:
Rod Carnes
Deputy Commissioner for Non-Depository Financial Institutions
Phone: (770) 986-1371
E-mail: rodc@dbf.state.ga.us

The Department has regulatory and/or licensing authority over state-chartered banks, credit unions, trust companies, mortgage loan originators, mortgage brokers, mortgage lenders, mortgage processors, check cashers, sale of check companies, money transmitters, international banking organizations, and bank holding companies conducting business in Georgia. Visit us on the Web at: [/URL][URL]http://dbf.georgia.gov/ (http://dbf.georgia.gov/)


Associated Document(s):


http://www.georgia.gov/gta/file_type_icons/pdf_file.gif
BellaHomesLLC_finalorder.pdf (http://www.georgia.gov/vgn/images/portal/cit_79369762/171223252BellaHomesLLC_finalorder.pdf)



Order to Cease and Desist



__________________________________________________ __________________________________________________ ____________________________
No doubt more of those will follow!

Soapboxmom

Soapboxmom
12-18-2011, 07:22 PM
Bella Homes, LLC is the result of a collaboration of some of the best legal minds in the nation and is founded upon the fundamental principle that families, not banks, should own homes. We proudly stand out as an ethical and legitimate alternative to those less credible companies whose predatory tactics do nothing but exploit the homeowner’s financial predicament.

We are committed to helping troubled homeowners remain in their homes and secure them for long time use. Our program, which addresses a number of financial crises, is compliant with both state and federal law, is endorsed by the legal community and is highlighted by the following:


We purchase homes from troubled homeowners whose homes are upside down with little to no equity
For qualified homeowners, we will purchase their home from them for the amount of the first mortgage and second mortgage and other liens and then lease their home back to them for a period of three to seven years.
This lease will include an Option Memorandum, granting the homeowners an exclusive option to repurchase their home.
Our goal, after we purchase a home or commercial property, is to purchase the underlying first mortgage on said property from the mortgage company or bank at a discount. If we are unsuccessful in doing so, we will conduct a forensic audit of the mortgage to determine if the mortgage is illegal. If that is, indeed, the case, we will then file a lawsuit against the lender to prevent them from proceeding with foreclosure.
Once we successfully purchase the mortgage from the lender, we will, at the end of their lease, sell the home back to them at 90% of the fair market value at that time and credit them at closing for 60% of the rent paid. If they are unable to obtain a mortgage, we will also provide them with owner financing through one of our subsidiaries or affiliates at the time they exercise their exclusive option to repurchase the home. Based on the foregoing, the homeowners’ new monthly payment and mortgage balance will ultimately be 40% to 60% lower than their current monthly payment and principal balance.
By the end of the lease, if we are unsuccessful in purchasing the mortgage from the lender, we will then deed the property back to the party that we purchased the home from.

The transition from homeowner to tenant is but a temporary one and our leases are designed to afford you every right and protection available under law. By participating in our program, you can enjoy every benefit and safeguard that our program has to offer, all at no cost to you, including the following:


In general, if there is a foreclosure of any dwelling or residential real property, any bank or entity taking over the property must do so subject to any existing lease that involves a "bona fide tenant" operating under a "bona fide lease". This means that a lease meeting the qualifications of the ACT will survive foreclosure and be enforceable for the remainder of the lease term.
Protection from personal liability for any financial deficits due your lender after foreclosure or short sale, also known as a court-mandated deficiency judgment (which can be used by your lender to garnish your wages up to twenty years);
A new, lower monthly payment, typically 40% - 60% of your current monthly payment;
A new principal balance, typically 40% - 60% lower than your current principal balance;
A contractual obligation to limit increased payments. This is in stark contrast to the aforementioned predatory agencies whose contracts do not legally bind them to protect you and who will offer you a low rate at the beginning and thereafter raise it far beyond your ability to pay;
Owner financing, even if you have difficulty qualifying for a new mortgage at the time you exercise your exclusive option to purchase the home back from Bella.
Peace of mind, perhaps the most important benefit of all.

Bella Homes, LLC operates nationwide. Click here to complete a Property Overview Form to determine if your home qualifies for one of our programs. (http://bellahomesllc.net/do-i-qualify.html) If you have any questions, please call our headquarters at (480) 993-1968 between the hours of 9:00 a.m., and 5:00 p.m., EST and a representative will assist you. In the alternative, you can email Bella Homes, LLC at info@bellahomesllc.net and a representative will contact you
Purchasing a home is one of the most valuable investments you will make. Bella Homes, LLC is dedicated to ensuring that it will also be one of the most successful investments you will make.
Renters' Rights When the Owner Is Being Foreclosed Upon | eHow.com (http://www.ehow.com/info_7803524_renters-owner-being-foreclosed-upon.html)

Eviction After Foreclosure



After the completion of a foreclosure process, tenants can remain in the property for at least 90 days, per the federal Protecting Tenants at Foreclosure Act. If a tenant is a "bona fide tenant" with a "bona fide lease," the individual has the right to stay in the rental property until the lease expires. A tenancy or lease is considered "bona fide" if the tenant is not directly related to the property owner involved in the foreclosure, the lease was the result of an "arm's-length" transaction, the rent cost is not significantly lower than the fair market rent amount or the rent want not reduced by a government subsidy. Arm's-length transactions are those in which two unrelated parties looking out for their own interests negotiated the lease contract.



Read more: Renters' Rights When the Owner Is Being Foreclosed Upon | eHow.com (http://www.ehow.com/info_7803524_renters-owner-being-foreclosed-upon.html#ixzz1gw1cVPpa) Renters' Rights When the Owner Is Being Foreclosed Upon | eHow.com (http://www.ehow.com/info_7803524_renters-owner-being-foreclosed-upon.html#ixzz1gw1cVPpa)



Renters get relief from foreclosure - MSN Real Estate (http://realestate.msn.com/article.aspx?cp-documentid=22789901)

The law became effective May 20 and is scheduled to end Dec. 31, 2012.

Only 'bona fide' renters are protected
The law protects only a bona fide lease or tenancy, which is defined as a situation that meets three criteria:


The renter may not be the former owner of the home, or the former owner's spouse, child or parent.
The terms of the rental must be at arm's length between the landlord and renter.
The rent cannot be substantially less than the fair-market rent, unless the rent is subject to a government reduction or subsidy.

The arm's-length and fair-market rent requirements "are designed to prevent a sweetheart deal" between a defaulting landlord-owner and a renter whom the landlord wanted to protect from eviction after the foreclosure, Portman says. For example, if a landlord and renter signed a two-year lease at a very favorable rent just prior to a foreclosure, that likely wouldn't meet the bona fide requirement.


Foreclosure - Wikipedia, the free encyclopedia (http://en.wikipedia.org/wiki/Foreclosure)

Acceleration

The concept of acceleration is used to determine the amount owed under foreclosure. Acceleration allows the mortgage holder to declare the entire debt of a defaulted mortgagor due and payable, when a term in the mortgage has been broken. If a mortgage is taken, for instance, on a $100,000 property and monthly payments are required, the mortgage holder can demand the mortgagor make good on the entire $100,000 if the mortgagor fails to make one or more of those payments. The mortgage holder will also include any unpaid property taxes and delinquent payments in this amount, so if the borrower does not have significant equity they will owe more than the original amount of the mortgage.
Lenders may also accelerate a loan if there is a transfer clause, obligating the mortgagor to notify the lender of any transfer, whether; a lease-option, lease-hold of 3 years or more, land contracts, agreement for deed, transfer of title or interest in the property.

The vast majority (but not all) of mortgages today have acceleration clauses. The holder of a mortgage without this clause has only two options: either to wait until all of the payments come due or convince a court to compel a sale of some parts of the property in lieu of the past due payments. Alternatively, the court may order the property sold subject to the mortgage, with the proceeds from the sale going to the payments owed the mortgage holder.


Bella Homes sure has some huge hurdles to overcome in order to save a home to resell to its original owners.

Soapboxmom

Magic_Muffin
12-19-2011, 01:46 AM
Bella Homes sure has some huge hurdles to overcome in order to save a home to resell to its original owners.

Oh it is more like impossible hurdles to overcome. Aside from the violations in the Protecting Tenants At Foreclosure Act regarding market rents, bona fide leases, the quit claiming of homes, absolutely nothing about their "program" makes any sense. Every case that has been moved to the Federal Courts has ruled against Bella and used the same cases and precedent to make the rulings. Makes it a little hard for any other case that makes it to the Federal level to have a chance.

Oh well......I'm glad I found this thread and have a new place to post on this subject.

MM

littleroundman
12-19-2011, 02:09 AM
http://i218.photobucket.com/albums/cc153/thelittleroundman/realityfundingpartners.jpg

Mortgage Grapevine: Realty Funding Partners (http://mortgagegrapevine.com/thread/?thread=594858)

littleroundman
12-19-2011, 02:21 AM
http://i218.photobucket.com/albums/cc153/thelittleroundman/realityripoff.jpg
http://i218.photobucket.com/albums/cc153/thelittleroundman/realityripoff2.jpg

Ripoff Report | Realty Funding Partners | Complaint Review: 793793 (http://www.ripoffreport.com/multi-level-marketing/realty-funding-partn/realty-funding-partners-rfp-re-c7048.htm)

littleroundman
12-19-2011, 02:32 AM
http://i218.photobucket.com/albums/cc153/thelittleroundman/bella1.jpg
http://i218.photobucket.com/albums/cc153/thelittleroundman/bella2.jpg

Ripoff Report | Realty Funding Partners | Complaint Review: 793793 (http://www.ripoffreport.com/multi-level-marketing/realty-funding-partn/realty-funding-partners-rfp-re-c7048.htm)

Sharon B
12-20-2011, 01:04 PM
Oh MY GOODNESS! Soapboxmom - I just sent you an email...THANK YOU SO MUCH for explaining what happened to the Scam.com thread exposing Bella!!! It all makes sense now!! I wondered why the "admin" on scam.com didn't reply to my several notes pointing out that all Bella Homes, LLC "scam" posts had been deleted. Oh - and I DID find your (??) PDF saved version of the Scam.com thread hidden on the internet a while back and was so thrilled to see it not lost forever....Such a wild wild West isn't it?? I did read a post yesterday by someone saying that Scam.com is a possible "front" and I actually didn't believe it....NOW of course I DO!!!!!! Thanks for the clear explanation!!
I am the same poster that you quoted in some of your cut and pastes above - and am on a mission to expose Bella and RFP. I'm finding more and more posts of folks who are "getting it" that it that the sale leaseback program just can not be legit...which is encouraging. I literally have nothing to gain by my attempt to educate others other than I want to be on the GOOD side of the Einstein quote: The only thing necessary for evil to triumph is for good men to do nothing...
And doing "nothing" is not what I'm choosing!! Big Smile
Thanks again!!!

Soapboxmom
12-20-2011, 01:34 PM
Welcome aboard! A very refreshing attitude. Another wonderful birdy sent me links to a boatload of court documents. I will be posting those here as soon as I have perused them all. To summarize what I have read so far I think we could safely say that the lawsuits Bella Homes is filing equate to a huge pile of steaming dung. They are frivolous, groundless and sadly when the Defendant lists 30 defenses absolutely hilarious. Homeowners who get involved are bound to get burned and I would imagine this clunker is garnering the attention of numerous enforcement agencies. As we will be discussing, there is a litany of problems with this thing as the court papers and bizarre Q & A on Bella Homes website demonstrate.

Soapboxmom

Soapboxmom
12-21-2011, 12:11 AM
A wonderful birdy sent me the documents for this case:
1:11-cv-02832-SCJ Fancher Bella Homes, LLC et al
Steve C Jones, presiding
Date filed: 08/24/2011
Date terminated: 10/12/2011
Date of last filing: 10/12/2011

History





1 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=15&dm_id=4578916&doc_num=1)


Filed:
08/24/2011


Entered:
08/26/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Notice of Removal


2 (https://ecf.gand.uscourts.gov/doc1/05515241584)


Filed & Entered:
08/26/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Leave of Absence


3 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=20&dm_id=4588745&doc_num=3)


Filed & Entered:
08/31/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Answer to Complaint (Notice of Removal)


4 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=22&dm_id=4588748&doc_num=4)


Filed & Entered:
08/31/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Corporate Disclosure Statement


5 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=24&dm_id=4588799&doc_num=5)


Filed & Entered:
08/31/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Answer to Complaint (Notice of Removal)


6 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=26&dm_id=4588802&doc_num=6)


Filed & Entered:
09/01/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Corporate Disclosure Statement


7 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=28&dm_id=4597392&doc_num=7)


Filed & Entered:
09/07/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Notice of Filing


8 (https://ecf.gand.uscourts.gov/cgi-bin/show_doc.pl?caseid=177506&de_seq_num=30&dm_id=4656935&doc_num=8)


Filed & Entered:
10/05/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Order





Filed:
10/12/2011


Entered:
10/13/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Clerks Entry of Dismissal





Filed:
10/12/2011


Entered:
10/13/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Terminated Case



9 (https://ecf.gand.uscourts.gov/doc1/05515346654)


Filed & Entered:
10/12/2011



https://ecf.gand.uscourts.gov/graphics/silverball.gif Stipulation of Dismissal




474

475

476

Bella's attempts at litigation have been steaming piles of dung and completely disastrous for them. It appears the suits are completely groundless and frivolous. Lots of fodder for discussion here! I don't think any litigation filed by Bella has a snowball's chance in hellof prevailing in any court. This will be business suicide by court.

Soapboxmom

Soapboxmom
12-21-2011, 10:46 AM
Compare this (http://www.realscam.com/f8/guerillatraffic-com-george-dranichak-porn-affiliate-opportunity-new-persona-sviat-vladimir-sviatoslavich-127/index2.html#post13885) to post 1 of this thread. First Zachary, which is George Dranichak, was the name on the post, now it is the administrator Vladimir Sviatoslavich / Sviat. Sviat's picture appeared on Zachary's profile and then poof the picture is the one for Sviat and the Administrator. George Dranichak is trying to hide again. Good luck with that! Will Stephanie / Sojustask come clean on this latest debacle? Will this bunch keep advertising this obvious scam?

Soapboxmom

Soapboxmom
12-21-2011, 11:17 AM
Before anymore juicy court documents or discussions about them let's document what Bella claims it will do:




1.
What is Bella Homes, LLC?
Bella Homes, LLC is first and foremost a premiere, real estate investment company. We purchase residential and commercial properties and offer them as leaseback opportunities to qualified homeowners. We do not offer loan modification agreements, short sales, defenses to mortgage foreclosure actions, mortgages, or renegotiate mortgages for others.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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2.
Does Bella Homes, LLC engage in foreclosure defense actions?
If Bella Homes has purchased a property with an underlying mortgage at risk of foreclosure, we will conduct a forensic audit to determine if the mortgage complies with federal and/or state law. If we determine the mortgage to be illegal, we will engage our legal team to file a lawsuit against the lender to prevent the lender from instituting foreclosure proceedings. In this case, we will engage in a foreclosure defense action in order to protect our investment in a property that we acquired as part of our program.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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3.
Does Bella Homes negotiate a lower payment and principle balance on my behalf with my mortgage company?
No, Bella Homes' objective is to purchase your mortgage from your lender at a discount.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)




How many loans has Bella successfully purchased? If the bank isn't working with the present homeowner, what are the chances Bella will fare any better dealing with them? Where is Bella getting the capital to purchase these distressed properties?

Soapboxmom

Soapboxmom
12-21-2011, 11:37 AM
4.

After three years of renting, if the client can't afford to buy do you offer to rent to residence again?
Yes, Bella Homes will extend the lease.
back to top (http://bellahomesllc.net/qaa.html#top)



5.
What formula determines the amount of the monthly lease? Is this without escrow?
40-60% of total monthly mortgage obligation, there is no escrow included in the rental payment, and also based on income.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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6.
What home values do we work with?
A minimum of $200,000 up to $10 million.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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7.
If there are liens on the property, will the title company take responsibility to clear or does title need to be clean prior to our closings?
Title does not have to be clean for us to close the transaction, but we have to know we will be able to resolve the lien. The end of our process will wipe out all liens.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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8.
How long does it take from the date I sell my home to Bella Homes, to purchase or payoff the underlying mortgage on the property?
Each case is different, but it can take anywhere from 3 months to 30 months to complete that process.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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To clear up that title the back property taxes and any IRS tax liens are going to have to be satisfied. I doubt Bella will even try to take a property with large tax liens on it. Bella may never be able to con the bank into selling them the home for pennies on the dollar. The homeowner is then paying Bella for a likely fraudulent lease and that money is completely non-refundable. The bank is going to ruin the homeowners credit with this record of non-payment and a possible foreclosure. It seems Bella will create a lot more problems for the owner and may well have no solution for them.

Soapboxmom

littleroundman
12-21-2011, 11:50 AM
There should be a special place reserved for companies like Bella Homes which prey on those unfortunate to be suffering mortgage stress in these uncertain times.

Surely there is at least ONE politician and/or agency in the USA with sufficient cojones to stand up and act against these parasites.

Soapboxmom
12-21-2011, 02:10 PM
I intend to draw as much attention to this as possible. That is how we get enforcement action in these parts.



10.
Has anyone bought back his or her house from us yet?
No one has purchased a home back yet from Bella. The minimum lease term is 3 years, and no one has been in the program long enough to have reached that point.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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11.
Will the mortgage be paid off at the Bella Closing?
No. Bella Homes is a national mortgage buyer. In order for us to negotiate with your lender, there are several documents we need signed at closing. The negotiation process could take anywhere from six months to a year or as long as three years if we have to litigate. We have a strong legal team with several strategies we use against the bank, however, we do try to buy the mortgages on friendly terms first.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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12.
Will Bella Homes, LLC be making payments on the loan?
No, Bella Homes does not keep the mortgage current during negotiations.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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13.
If Bella Homes becomes the owner of record how is that accomplished? Does Bella Homes take a second on the property? How can Bella Homes own the home yet the client is responsible for the mortgage payments in the eyes of the lender?
Bella Homes becomes the owner of the property by the fact that they will purchase the property through a traditional real estate closing. There will be a purchase and sale contract that will identify the purchase price as the amount of the first mortgage on the said property. If there is a second mortgage on the property, at the time that Bella Homes purchases the first mortgage on the property they will attempt to settle the second mortgage. If Bella Homes is unable to settle the second mortgage we will transfer the property to one of our subsidiaries and foreclose on ourselves, which will therefore wipe out the second mortgage and any other liens on the property. This is perfectly legal, and is a strategy that Bella Homes attorneys have put in place. Bella Homes will own the home subject to the underlying mortgage. If the tenant exercises their option to purchase the property back, the only way Bella could provide clear title to the property would be if the mortgage has been purchased and any other liens have been removed from the property. With this in mind, up until the time that Bella Homes buys the mortgage from the lender, and wipes out any of the liens on the property, Bella Homes ownership of the property is subject to the underlying mortgage and/or liens.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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So, Bella pockets the rent you pay. If they can't bully the bank / mortgage company into selling them the house for pennies on the dollar, they say they will litigate. From the few cases I have seen that has been an unmitigated disaster for Bella as they don't have a leg to stand on. I suspect their frivolous filings will be winding down very soon as they have no hope of prevailing in any court. And, the strong legal team in the Georgia suits has been comprised of one total clown as we shall see from the filings. A few more frivolous filings like the nonsense I have seen so far and he may get sanctioned by the court or disciplined by the state bar. The homeowners credit is being ruined while Bella pockets rent money and since the homeowner is not paying the mortgage they will have no hope of negotiating with the mortgage company after Bella deeds the property back to them. The owner is now far worse off than before.

Soapboxmom

Soapboxmom
12-21-2011, 02:46 PM
15.
Also, are there any provisions for the homeowner, if at end of lease term, Bella Homes is still unable to negotiate purchase with existing lender and elects to deed property back to homeowner?
At the end of the lease term, if Bella Homes has not purchased the mortgage from the bank, Bella Homes will either deed the property back to the client at that time or Bella will offer an extension to the lease to the client for the purposes of purchasing the mortgage. In most cases this will be an issue where Bella has sued the bank over the mortgage and that suit is still tied up in the court and if that is the fact it will be wise for Bella Homes and the tenant to extend the lease to allow the legal process to get to the point of a settlement conference or trial in order for Bella to purchase the mortgage.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)






17.
If the bank does not agree to write down the loan then do we give back the rent payments or at least the percentage that was to go to the down payment of the purchase later?
No. Bella will not refund any of the lease payments. All of the lease payments are earned as of the date they are made as of the terms of the rental agreement.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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18.
When the bank agrees to take less than what is owed on the home, what if the homeowner decides to NOT exercise their exclusive right to repurchase?
If Bella Homes purchases the mortgage from the bank and the homeowner has been renting but does not exercise their right to repurchase Bella Homes will list it on the Multiple Listing Service (MLS) when the lease is up.






20.
What if the client is getting unemployment checks as their income source?
The actual source of income is not particularly important. As long as they can afford to pay a minimum of $1000 rent, and their house meets our program requirements, then they will be considered.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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21.
If the client is paying lease payments to Bella Homes, and the bank is not receiving any payments and the lease payments are not going directly to pay for Legal fees, where is the value exchanged?
The value of the exchange is simple. Bella Homes is buying the property for the amount of the first mortgage. However, at that time the homeowner signs the lease to become the tenant with the exclusive option to purchase the property back. The value to the client is that after Bella Homes purchases the property and does a forensic audit of the mortgage and determines the loan is illegal, and to date this has been 92% of every mortgage, Bella will defend the property that it now owns from any legal proceedings from the bank. Therefore, this is giving the homeowner, who is now the tenant, the opportunity to live in the property for the term of the lease. Otherwise the homeowner could face a foreclosure in which case they would lose the property and be evicted.
__________________________________________________ _____________________________________________



More utter nonsense. The Bella clowns are pocketing $1000.00 + in non-refundable rent payments. If 92% of the mortgages out there were illegal, the homeowner would not need Bella. They would have recourse on their own with a meritorious case. That is total bunk as the cases filed show. Among the many problems is the original loan papers probably require the owners / borrowers to notify and get permission from the lender to sell their interest in it. The party(ies) that signed the loan papers are still legally responsible for making the payments. In most cases Bella has not been able to show a single thing wrong with the loans. In the rare instance there is a problem with a loan, the statute of limitations which could be 1 to several years has usually passed, so that issue can't be litigated.

The leases may not be considered arms length and the former owner may not be considered a bonafied tenant either. The rent must not be substantially below market value according to the law. Again, it appears Bella will not have leases that will stand up in court. I suppose Mickey Mouse conducts the forensic audits as a close relative of Bozo the clown is the attorney!479

Soapboxmom

Soapboxmom
12-21-2011, 06:55 PM
22.
Won't it be hard for them to get money for 1st and last 2 months if they are already behind on payments?
Bella Homes has two general categories of clients. The first category is a client who is upside down on their mortgage and has made a decision not to pay it and save the money. The second category is a person who has lost the income needed to pay the mortgage and may not have the savings. In the second situation Bella Homes will consider on a case by case basis how they may be able to address that with a payment play. When clients have a payment plan for money due, the representative is not paid until Bella Homes is made whole.










24.
Does Bella Homes have examples where the attorney has successfully negotiated with a major bank?
Yes, however attorneys will not discuss other clients' negotiations as that would be unethical.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)









29.
Is the lease caped off at 3 years or will it go up 10% every year it is extended?
It will increase 10% every year for the 1st 3 years, and 5% for years 4 through 7.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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31.
Who pays property taxes during the period?
Bella does not pay property taxes. However you can send tax bills to mortgage company, and they will pay it.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)









33.
What needs to be done if the client has a second mortgage?
Once Bella Homes has negotiated the 1st mortgage and owns it, then it will make an offer to purchase the second. If the offer is not accepted Bella will have one of its Attorneys move to wipe out the second mortgage.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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34.
The board has to approve a house after the pre-closing statement is signed, is there any reason it wouldn't be approved?
The only reason why a house wouldn't be approved by director of acquisition, is if something negative appeard in the title search.
http://bellahomesllc.net/images/stories/video-icon-1.png (http://bellahomesllc.net/qaa.html#)
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Lots more big talk that probably can't be followed up. They could easily publicize their successful negotiations. How is that a problem after the fact with names redacted? My bet is there have been very few successful negotiations and Bella is making a bundle collecting rent from their marks. Notice those huge rent increases. Those are outlandish. And, if the leases are deemed to be bogus then folks will lose their homes to foreclosure anyway having spent thousands on rent.

The taxing districts will file suit on delinquent property tax. If Bella has ownership and the mortgage company wasn't already making the payments, then Bella may well be sued for the back property taxes in addition to the owner if the ownership is in question. That could become quite a nightmare. Not to mention the second lien holders may not just roll over and play dead at Bella's request. Many homes may have various kinds of liens against them for any number of reasons. I would bet many homeowners pay a lot of rent only to find out Bella doesn't want their property and the foreclosure is going through despite Bella's barbaric tactics with the mortgage company.

Soapboxmom

Whip
12-21-2011, 07:47 PM
I don't understand. They're saying they buy the mortgage but somehow would have nothing to do with it.

littleroundman
12-21-2011, 08:16 PM
I don't understand. They're saying they buy the mortgage but somehow would have nothing to do with it.

That's how this type of scheme works.

The salient points are spread over a variety of sources, making it virtually impossible for the targeted distressed mortgage holders to find them.

The fraudster/s know only too well that someone in such a situation is unlikely to scrape together the dollars necessary to consult a mortgage lawyer and so they "bury" the vital details in the fine print.

This is spin doctoring at its' finest.

Magic_Muffin
12-22-2011, 02:49 AM
In the rare instance there is a problem with a loan, the statute of limitations which could be 1 to several years has usually passed, so that issue can't be litigated.

The leases may not be considered arms length and the former owner may not be considered a bonafied tenant either. The rent must not be substantially below market value according to the law. Again, it appears Bella will not have leases that will stand up in court.

Soapboxmom

Not only that, in the case that there is something illegal in the loan or it was truly fraud, they would never be entitled to the property, only damages. As far as leases go, The Protecting Tenants At Foreclosure at is quite clear, and Bella'a leases do not stand up........

SEC. 701. SHORT TITLE.
This title may be cited as the `Protecting Tenants at Foreclosure Act of 2009'.
SEC. 702. EFFECT OF FORECLOSURE ON PREEXISTING TENANCY.
(a) In General- In the case of any foreclosure on a federally-related mortgage loan or on any dwelling or residential real property after the date of enactment of this title, any immediate successor in interest in such property pursuant to the foreclosure shall assume such interest subject to--
(1) the provision, by such successor in interest of a notice to vacate to any bona fide tenant at least 90 days before the effective date of such notice; and
(2) the rights of any bona fide tenant--
(A) under any bona fide lease entered into before the notice of foreclosure to occupy the premises until the end of the remaining term of the lease, except that a successor in interest may terminate a lease effective on the date of sale of the unit to a purchaser who will occupy the unit as a primary residence, subject to the receipt by the tenant of the 90 day notice under paragraph (1); or
(B) without a lease or with a lease terminable at will under State law, subject to the receipt by the tenant of the 90 day notice under subsection (1),
except that nothing under this section shall affect the requirements for termination of any Federal- or State-subsidized tenancy or of any State or local law that provides longer time periods or other additional protections for tenants.
(b) Bona Fide Lease or Tenancy- For purposes of this section, a lease or tenancy shall be considered bona fide only if--
(1) the mortgagor or the child, spouse, or parent of the mortgagor under the contract is not the tenant;
(2) the lease or tenancy was the result of an arms-length transaction; and
(3) the lease or tenancy requires the receipt of rent that is not substantially less than fair market rent for the property or the unit's rent is reduced or subsidized due to a Federal, State, or local subsidy.

So even if they pick up a client before the foreclosure action, it is still not arm's length due to the deed relationship. From the leases in foreclosure I have seen, the foreclosing law firm has been appointed receiver to intercept the rent. On top of that, if proof of rent or that the tenant is paying cannot be provided, they immediately serve notice and if there is no response, go get a UD and try to evict.

That is one thing in the Q&A that is not addressed at all......Dear Bella, what happens if the bank or their reps get appointed receivership and I now have to pay them rent? Do we still have a deal on that leaseback/buy back thing? Will you immediately deed my house back over to me?

What do you think the answer to that will be?

Soapboxmom
12-22-2011, 12:59 PM
The MLM reps for this deal are going bananas:

http://www.youtube.com/watch?v=Y6hEREA-6tw&feature=related

They would be well advised to consider:

The FTC says:


Your Responsibilities
If you decide to become a distributor, you are legally responsible for the claims you make about the company, its product and the business opportunities it offers. That applies even if you're repeating claims you read in a company brochure or advertising flyer. The Federal Trade Commission advises you to verify the research behind any claims about a product's performance before repeating those claims to a potential customer.

In addition, if you solicit new distributors, you are responsible for the claims you make about a distributor's earnings potential. Be sure to represent the opportunity honestly and avoid making unrealistic promises. If those promises fall through, remember that you could be held liable.

Soapboxmom
12-22-2011, 01:24 PM
35.
Do clients repurchase at 90% of the value today or in 3 years?
They purchase the home at 90% of the appraised value at the time they buy property back from Bella Homes.
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36.
After three years of renting, if the client can't afford to buy do you offer to rent to residence again?
Yes. Bella Homes will extend the lease.
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37.
What if someone is referred to us who has a $150,000 mortgage? Do we tell them no?
Yes, Bella Homes does not work with houses in that price range.
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38.
At exactly what point do the renters have to pay the 1st, last and security deposits?
The first and last 2 months of lease payment are due at the time of lease signing. We require a cashier's check made payable to Bella Homes, LLC.
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39.
On condos, will the past due HOA's (Home Owner's Association) be brought current as well?
Not unless required by state law.
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40.
What if the client is current and wants to take advantage of this program and he/she generally fits our type of deal? Would this be something to consider?
Yes, but the client needs to understand Bella Homes will not be keeping their mortgage payments current, so they will take a “hit” on their credit. However, at the same time Bella Homes purchases the mortgage we will return the mortgage docs stamped paid in full and report it to credit agencies.
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41.
Once a transaction is approved by Bella Homes, who schedules the closings?
The VP of operations in Atlanta will coordinate all closings. If the closing is in a territory we currently do not have a presence in she will negotiate with the closing attorneys and/or escrow companies rates and procedures. Once we have the title report and a green light to move forward, she will coordinate with the closing entity and the client on a date and time that works for both parties.
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42.
What happens if the bank is just stubborn, will not settle, and lawsuit goes to fruition, and the judge rules against Bella, even though he is wrong.
Bella deeds the home back to the homeowner, and the homeowner owes the original debt with interest over the years as well as back taxes over the years.



The appraised value could be quite interesting. It depends on what appraisal is being used. The central appraisal districts have a value for tax purposes. Private appraisers, depending on the comparable properties they choose, can come up with a broad range of values for the same property. So, what appraisal method is Bella using?

3 Months rent plus a security deposit is a huge sum to fork out. I would think that money would be better spent getting legal help and paying toward the existing mortgage while trying to work out a deal with the mortgage company. Folks will definitely take a huge hit on their credit for getting involved in this flaky deal. And this promise of mortgage docs stamped paid in full seems extremely fishy. Does Bella send that only in the cases where they already have purchased the mortgage and have a clear title? Do they send that out after you have signed over the deed supposedly for the full mortgage amount even though it is not paid and Bella has only agreed to attempt to buy it at pennies on the dollar? If it is sent out before Bella owns the home, then it seems it would be fraudulent.

Who in their right mind would get into this knowing they could be paying rent for nothing and end up with Bella dumping the house back on them with all the back payments, late fess, interest and possible back taxes and penalties to boot. Who could dig their way out of that mess???

Soapboxmom

Soapboxmom
12-22-2011, 02:25 PM
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45.
After property is rented/leased out, who is responsible for the maintenance if the A/C is broken or there is a leak on the roof?
The tenant will be responsible for all repairs due to the fact they are leasing their property back for approximately 50% of mortgage payment. However, for larger repairs or home improvements to the property that are approved in advance by Bella Homes, they will receive a credit for the amount paid in repairs or improvements at the time they repurchase their home.
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46.
What happens to the homeowners insurance and will delinquent taxes be brought current by Bella?
Bella Homes does not maintain an insurance policy for homes that are upside down in equity. However, the mortgage companies put insurance on all their mortgages once the homeowner stops making payments, which goes onto the principal balance of the mortgage. It does not make sense for Bella Homes to carry a separate policy because it would be double insured. When the mortgage company puts a policy on the house they will send a copy to the homeowner, but it could take 60 to 90 days. The homeowner would need to apply renters insurance to insure their personal belongings. Delinquent taxes will not be brought current by Bella, unless required by state law. The taxes will be settled by Bella Homes at the time it purchases the mortgage from the lender.
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47.
How long has Bella Homes LLC been in business?
Since April 2010. Bella is a subsidiary of Diamond and Associates which has been around 19 years in the financial services and real estate industry.
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48.
How many completed transactions has Bella Homes done?
Bella Homes is a privately owned company - no data can be disclosed. However, Bella has a goal of reaching ownership of 10,000 homes in next 3 years.
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49.
Can I sublease my property?
Yes you can sublease your property with permission from Bella.
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50.
Can the Bella Homes program be compared to a traditional rental program?
Our program cannot be compared to a traditional rental program because of the benefits we offer to the homeowner. Our program allows the homeowner to stay in their home. Our program prevents the homeowner from facing a deficiency judgment. Our program offers a 60% credit of rent payments at closing (so a monthly rent payment of $3150 calculates to $1890).



Some rental deal. You pay all repairs and there is a chance a large repair could be credited (at Bella's discretion if you got pre-approval) at the closing of the repurchase of the property.

If the original homeowner's name is on the loan papers I do not see how Bella is going to protect the homeowner from a deficiency judgment. The party(ies) signing the loan papers are legally and financially responsible as far as I know.

I see a lot of money going into the attached pyramid scheme. Otherwise, what incentive is there to get involved??? A homeowner might be able to stay in their homes. Might!

Soapboxmom

Soapboxmom
12-22-2011, 03:47 PM
52.
What is the Foreclosure Act of 2009?
This protects tenants from eviction because of foreclosure on the properties they are renting for the term of the lease. However this law does not allow for the homeowner to deed their home over to a friend or family member and then lease it back from that person. In this case the bank most likely would be able to evict. The sale must be a Bona fide sale to a real company like Bella Homes.
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53.
Is there any recourse the client's second mortgage holder may have against them during this process?
Lenders want to mitigate their losses when dealing with defaulted mortgages. One of the documents the client signs at the Bella Homes' closing gives Bella Homes authorization to speak to and negotiate on the clients behalf with the mortgage company. Once that document has been sent to the mortgage company they can no longer harass the client. In the event they contact the client once this document has been filed, they can be fined. In the event the second mortgage holder files a lawsuit against the tenant (rare), Bella will defend the tenant in that action.
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54.
What is an example of one of the strategies Bella Homes uses?
One of the steps we take with each file is to have a forensic review conducted of the client's mortgage documents. Once this has been completed and fraud has been found, we will file a Temporary Restraining Order (TRO). At the time the TRO is filed, the bank can no longer collect on an illegal mortgage and the TRO stops all collection activity. If the mortgage is found to be illegal, we can get the derogatory taken away from the clients credit report. If the lender attempts to foreclose or take any action against the tenant, then Bella can take legal action against the lender.
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55.
I am upside down on the mortgage with perfect credit. Can Bella Homes determine PRIOR to signing the Bella Homes agreement, if my loan documents are such that a contested strategy would have a good chance of success? If not, I could lose my house and destroy my credit as well.
Bella Homes is unable to determine prior to signing and closing whether or not the loan documents are legal and can be contested due to the fact that Bella Homes does not have or obtain loan documents from a prospective client prior to closing. The due diligence and legal review in that regard is expensive and Bella Homes will not go through that process until the file has closed. What we recommend is for a Homeowner whose house is upside down but has good credit and wants to keep the home and their good credit is the following. They become a Bella Homes client and after we close we will move immediately to draft a lawsuit and file that lawsuit with the court, asking the court to issue a TRO prohibiting the lender from foreclosing and putting a derogatory on their credit report. However, keep in mind that there is no guarantee that the court will do that. But, if the mortgage is illegal that will eventually be decided and any derogatory will be then removed from their report. The homeowner should not be in jeopardy of losing the property because there will be a lease on the property which will keep them protected. The bank has to honor the lease and due to the fact that banks are not interested in becoming landlords, Bella Homes will still continue to pursue to purchase that mortgage from the lender and once it is purchased reclassify the status on the credit report. Bella Homes will also defend any challenges that a lender may decide to challenge on the lease. However to this date this has not happened with the banks.
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It is obvious from the law and the court cases Bella is filing that these leases are not likely to stand up in court.

SEC. 701. SHORT TITLE.
This title may be cited as the `Protecting Tenants at Foreclosure Act of 2009'.
SEC. 702. EFFECT OF FORECLOSURE ON PREEXISTING TENANCY.
............
(b) Bona Fide Lease or Tenancy- For purposes of this section, a lease or tenancy shall be considered bona fide only if--
(1) the mortgagor or the child, spouse, or parent of the mortgagor under the contract is not the tenant;
(2) the lease or tenancy was the result of an arms-length transaction; and
(3) the lease or tenancy requires the receipt of rent that is not substantially less than fair market rent for the property or the unit's rent is reduced or subsidized due to a Federal, State, or local subsidy.

I am not sure how Bella can keep a lienholder from contacting someone who has signed legal loan papers with that bank or mortgage company. I think the name on the loan is the issue. Having seen what court papers I have, I sure wouldn't want to depend on Bella's legal buffoons to defend me in a suit.

TROs are public record. How many have been successfully filed and then become permanent injunctions? Let's look at Texas:


Tex. R. Civ. P. 680


Temporary Restraining Order

No temporary restraining order shall be granted without notice to the adverse party unless it clearly appears from specific facts shown by affidavit or by the verified complaint that immediate and irreparable injury, loss, or damage will result to the applicant before notice can be served and a hearing had thereon. Every temporary restraining order granted without notice shall be endorsed with the date and hour of issuance; shall be filed forthwith in the clerk's office and entered of record; shall define the injury and state why it is irreparable and why the order was granted without notice; and shall expire by its terms within such time after signing, not to exceed fourteen days, as the court fixes, unless within the time so fixed the order, for good cause shown, is extended for a like period or unless the party against whom the order is directed consents that it may be extended for a longer period. The reasons for the extension shall be entered of record. No more than one extension may be granted unless subsequent extensions are unopposed. In case a temporary restraining order is granted without notice, the application for a temporary injunction shall be set down for hearing at the earliest possible date and takes precedence of all matters except older matters of the same character; and when the application comes on for hearing the party who obtained the temporary restraining order shall proceed with the application for a temporary injunction and, if he does not do so, the court shall dissolve the temporary restraining order. On two days' notice to the party who obtained the temporary restraining order without notice or on such shorter notice to that party as the court may prescribe, the adverse party may appear and move its dissolution or modification and in that event the court shall proceed to hear and determine such motion as expeditiously as the ends of justice require.


Every restraining order shall include an order setting a certain date for hearing on the temporary or permanent injunction sought.


Temporary is the key word and Bella will have only days to go into court with good cause to make that stick. And, the mortgage company / bank's attorney(s) will have plenty to say about that! The chances the mortgage will prove to be illegal appear to be very slim.

Most of what is proposed in the last item would fall into the category of fantasy. That stuff would make a good episode for a Fantasy Island remake. How about we change no guarantee to almost no chance!

Soapboxmom

barefoot
12-22-2011, 04:06 PM
To Soapboxmom......How do you know for sure that Bella Homes is a scam and that they don't do what they say that they will do? I don't think that anyone would consider dealing with them if it wasn't their last resort before they loose their home to foreclosure. It's a well known fact that the banks and mortgage companies are not doing anything to keep people in their homes. And the governments making homes affordable is not doing much either. If it was, then why is there still so many people that are loosing their homes? Have you or anyone that you know been ripped off by Bella Homes? I have done research on them and I can't find anything against them, other than people that haven't actually used them, making comments about what they think they might be. I can't find any government actions against them. And they have been around long enough that if they were scamming lots of people, then the government would be all over them. And their rating with the BBB is not bad. They had one complaint that was resolved. I really can't find anything bad about them, but I really don't find anything good about them either, like someone that they have helped.

Soapboxmom
12-22-2011, 05:56 PM
To Soapboxmom......How do you know for sure that Bella Homes is a scam and that they don't do what they say that they will do? I don't think that anyone would consider dealing with them if it wasn't their last resort before they loose their home to foreclosure. It's a well known fact that the banks and mortgage companies are not doing anything to keep people in their homes. And the governments making homes affordable is not doing much either. If it was, then why is there still so many people that are loosing their homes? Have you or anyone that you know been ripped off by Bella Homes? I have done research on them and I can't find anything against them, other than people that haven't actually used them, making comments about what they think they might be. I can't find any government actions against them. And they have been around long enough that if they were scamming lots of people, then the government would be all over them. And their rating with the BBB is not bad. They had one complaint that was resolved. I really can't find anything bad about them, but I really don't find anything good about them either, like someone that they have helped.
Welcome to RS, barefoot! I think the answer is what Bella Homes claims they can do simply doesn't make sense. From the few court documents I have read they have not had a leg to stand on in court. Most of the issues they raised bordered on nonsensical. I will post the rest of the ones a wonderful birdy sent me and then use my PACER access to follow those and post additional ones that become available.

The State of Georgia issued a Cease and Desist against them and I think there will be more of those to come. Only a tiny fraction of victims complain, but as Bella fails to save homes from foreclosure and the court cases continue to blow apart and be dismissed or see more serious fall out for Bella, I have no doubt the complaints will flood the internet sites available for it. There are just too many aspects of this deal that are questionable to say the least.

My heart goes out to all those struggling to hang on to their homes, but I don't think Bella is the answer.

Soapboxmom

Soapboxmom
12-22-2011, 10:48 PM
56.
When the home is sold and the original loan is resolved for less than the amount due, is there a document waiving the deficiency judgment from the lender?
When the lender sells your loan at a discount, they are waiving their rights to any deficiency and therefore can't come after you for any deficiency. At the time that Bella Homes purchases the mortgage, there cannot be a deficiency judgment because the bank has the right to sell the mortgage, which is an asset. If they decide to sell this mortgage without the consent or agreement of the party on the mortgage, then the party on the mortgage cannot be liable for a deficiency because they are not involved in that agreement. You see deficiency judgments happen quite often in a short sale because the homeowner, who is also on the mortgage, is agreeing to sell the property for less than the mortgage amount. Therefore unless waived you will typically receive a deficiency judgment. Most lenders will not waive that issue, and keep in mind that after Bella Homes buys that mortgage they will reclassify it on their credit file as zero balance and paid as agreed. By Bella Homes purchasing that mortgage they are taking ownership of that document which will eventually be turned over to the homeowner marked zero balance. Also, at the time that Bella Homes does purchase the mortgage it will obtain a letter from the lender that they cannot, and will not serve a deficiency judgment.
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57.
What is the consideration to the owner during the Bella Homes closing?
At the time of the closing, the seller receives various types of consideration. The first, is that Bella enters into a lease agreement with the seller, and that lease agreement gives the seller the exclusive right to use and posses the house throughout the course of the lease. The seller also receives as additional consideration a credit toward ultimate purchase of the house (60% of all lease payments made). Even more important than the lease agreement is the option agreement that is signed by Bella and the seller at closing. The option agreement gives the seller the exclusive right to purchase a property at the end of the 3 yr period of time. This is a very strong property right that accrues to the seller. The option agreement is not only signed as a legal and enforceable contract at the time of closing, but a memorandum of that option agreement is recorded in the court house records along with the deed.
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58.
What happens if I miss any lease payments?
If as a tenant you miss some payments as part of the rental agreement, you are technically in default of the lease. However, Bella will send regular notices if you are behind, and will give opportunity to make up those lease payments. More importantly, if you are behind on your lease payments, you would be losing money that would otherwise be applied toward the purchase of the house 3 years later. So it's important to keep those lease payments current.
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59.
What if I can't afford my lease payments anymore?
Bella has a couple of options. Under the lease agreement, they could file for an eviction (has never done this to date - because the purpose it to keep you in your house). They could also unwind the transaction with you and simply deed the house back to you.
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Can a Lender Sue a Borrower for a Deficiency Judgment if the Lender is Still Owed Money After a Foreclosure Sale in Texas?

A Texas lender is allowed to sue a borrower for a deficiency judgment if the loan is not paid in full with the proceeds of a foreclosure sale. However, the amount that the lender can recover is limited to the difference between the amount owed and the fair market value of the property as determined by a property appraisal.

So, if Bella can't strong arm the mortgage company into selling for pennies on the dollar the original owner / borrower will indeed risk getting socked with a deficiency judgment as the house then goes into foreclosure.

Bella is not completely stupid. It would cost them money to evict you. It would be much cheaper for them just to deed back the then delinquent property. Bella has 3 months non-refundable rent or more and the mortgage company has not been paid for months. What help is that to the desperate homeowner???

Soapboxmom

laidback
12-22-2011, 11:24 PM
I have looked at a few of these "deals" from various angles and the homeowner almost always gets "it" without the benefit of lubricant. The thing that ALWAYS must be remembered is: if the note holder hasn't released you from the note IN WRITING, you are stuck for the note irregardless of whatever agreement you have with Bella or anyone else! You may have a cause of action against Bella, but if you can't afford your mortgage, you likely can't afford a retainer.

littleroundman
12-23-2011, 01:38 AM
59. What if I can't afford my lease payments anymore?
Bella has a couple of options. Under the lease agreement, they could file for an eviction (has never done this to date - because the purpose it to keep you in your house).

They COULD also unwind the transaction with you and simply deed the house back to you.
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NOTE: "COULD" not "WILL"

They "COULD" also tell you to bugger off

People would be better off buying a Lotto ticket at 10,000,000 to 1 odds than bet Bella Homes would simply sign your note back over to you and walk away.

As if betting a few dollars on HYIP ponzi game admins being honest isn't bad enough, now they want you to bet your house on Bella Homes being ethical and honest.

Soapboxmom
12-23-2011, 10:39 AM
I have looked at a few of these "deals" from various angles and the homeowner almost always gets "it" without the benefit of lubricant. The thing that ALWAYS must be remembered is: if the note holder hasn't released you from the note IN WRITING, you are stuck for the note irregardless of whatever agreement you have with Bella or anyone else! You may have a cause of action against Bella, but if you can't afford your mortgage, you likely can't afford a retainer.
I was thinking the same thing. The distressed homeowner might have a case against Bella for damages. How can Bella legally rent out your property to you or anyone else if they don't already own it??? The homeowner's name(s) are on that note and they are still legally and financially on the hook despite some silly lease agreement signed with Bella.

Soapboxmom

littleroundman
12-23-2011, 11:11 AM
What is an example of one of the strategies Bella Homes uses?
One of the steps we take with each file is to have a forensic review conducted of the client's mortgage documents.

With the growing number these mortgage rescue companies and the amount of foreclosures being undertaken, what is the percentage of "flawed" mortgage documents being found during these "forensic examinations" ??

If people have their homes on the line, isn't it only fair Bella Homes provides the information as to how successful "forensic reviews" are ??

Why does the FTC find it necessary to issue a warning to homeowners about these examinations:


The "Forensic Audit"

In exchange for an upfront fee, so-called forensic loan "auditors," mortgage loan "auditors," or foreclosure prevention "auditors"
offer to have an attorney or other expert review your mortgage documents to determine if your lender complied with the law.
The "auditors" say you can use their report to avoid foreclosure, speed the loan modification process, reduce what you owe,
or even cancel your loan. In fact, there's no evidence that forensic loan audits will help you get a loan modification or any other mortgage relief.

Where's the evidence, Mr Bella Homes ??

http://www.realscam.com/f15/bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-953/#post13706

Soapboxmom
12-23-2011, 11:15 AM
68.
How fast can I get into the Bella program?
Typically you can get into the Bella program with 7-10 days after you have signed the pre-sale agreement.
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69.
Where does the closing take place?
As client, you have the option to have the closing take place, at your home, your business, or an attorney's office if you prefer.
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70.
Are there any fees included in my closing cost?
Bella Homes will be responsible for paying the costs of the closing attorney, and all costs of the closing. However, if the client decides to retain their own lawyer for the closing, then the client would pay the costs for that attorney.
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71.
Is the amount due at closing on my presale agreement the exact amount I will be paying at closing?
The presale agreement is a very close estimate of what you will be paying at closing. The only variation you may see is going to be based upon the day you close during the month, because the 1st month's rent is prorated.
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72.
When is my deed recorded?
After closing the deed you have signed to convey ownership to to Bella will be recorded with 15-30 days following the date of closing. That will also be the date on which the Memorandum of Option to Purchase will be recorded as well.
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73.
Can I give my exclusive right to re-purchase to one of my kids?
Yes, your rights to repurchase the house under the option agreement can be transferred to a family member.
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74.
Who takes care of maintenance, or any repairs that need to be done on my property?
Each home is leased to the tenant on as-is basis. Tenant is typically responsible for any repairs that need to be made. However, if the tenant makes any repairs that run more than $1000, and reports those costs to Bella, Bella will consider that a capital improvement in the home, and at the time the house is resold to the tenant, the tenant will get credit for that expense off the sales price.
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75.
Can I file a bankruptcy after I have entered into the Bella program?
Yes you can. However, Bella recommends you speak to a bankruptcy lawyer to see if it is advisable for you to do so.
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76.
What day is my rent due?
Your first rental payment will be due on the 1st or 15th day of the month depending on which day you close.
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77.
What do I do if I have a real estate listing on my home?
If you have a real estate listing agreement on your home prior to entering the Bella program, you will have to cancel that agreement before you join the Bella program, and we would refer you to the listing agreement to see exactly how you should go about doing that.
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Here is the rest of Bella's Q & A. Now, that we have them pinned down on what they are purporting to do we can look at the court papers and other public record and determine if that is in fact happening.

Declaring bankruptcy after signing with Bella could prove quite interesting. It is very complex. Bella would probably have to evict the tenant / former owner. That could be very costly and time consuming. Fascinating!

Soapboxmom

laidback
12-23-2011, 12:06 PM
Now this borders on absurd! Rather than pay a "forensic auditor" big bucks to find out your loan is legal, buy the software for $39 and do it yourself! Forensic Loan Audits Steps, Loan Auditing Steps: Forensic Loan Software (http://www.forensicloansoftware.com/forensic_loan_audit_steps/) I have seen some of these so-called auditor throw around all sort of stats about the percentage of loan that are supposedly illegal, but, as with all scams nothing is verifiable...! Remember, folks, just because you quitclaim your property to someone, it still does not release you from responsibility to the lender! YOU are the one that owes them the money! When I see these things, I always think of the acronym TANSTAAFL! (There Ain't No Such Thing As A Free Lunch)

Soapboxmom
12-23-2011, 01:18 PM
The following court document sure proves what a disaster quitclaiming one's home to Bella is. All Bella's wild claims and antics are getting them simply laughed out of court.

The Plaintiffs' attorney (presumably Bella's flunky) seemed to know what a joke the filing in this case was an didn't even bother to respond to the Defendants' Motion to Dismiss. The Court explains that an original complaint "must contain sufficient factual matter, accepted as true, to "state a claim that is plausible on its face.'" So, as we shall see Bella's claims are a heaping pile of dung and not even plausible in most if not all instances.

Every claim is dismissed by the court starting with the claim for declaratory relief stating the Defendants had no right to foreclose. Then the claim for rescission of the loan based on an illusory promise is dismissed. The claim for rescission of the loan under the Georgia Fair Lending Act is also dismissed. Next, the claim for contractual breach of good faith and fair dealing is dismissed. Following, the claim for rescission under Fraudulent Concealment, Deceptive Acts and Practices is dismissed. Claims of unconscionability and predatory lending are dismissed as well. The claim for quiet title is dismissed as is the one for failure to comply with state statutes. The claim for conversion or illegal attempt to convert and fraudulent misrepresentation, promissory estoppel is dismissed. Finally, the claims for injunctive relief against foreclosure and a TRO (temporary restraining order) are denied.

Bella's client is thrown out of court on his ear. The Court says, "Ultimately, Plaintiffs' 'threadbare conclusions' and 'naked' assertions' do not survive the 12(b)(6) standard and are at best speculative." Ouch!!!!

Bella's program is dishonest and basically bogus and many homeowner's and representatives will regret getting involved.

481

Soapboxmom

Sharon B
12-23-2011, 01:30 PM
I just wanted to comment on a couple of things:
1). I have a real estate back ground and am 100% sure that unless a judge is on crack at the time of decision - the 2009 Tenants Act DOES NOT apply for eviction protection in the Bella model (and I say that with conviction). Reason is: Bella will have a previous relationship with the tenant such that the tenant will have just deeded the property over to Bella - which concretely establishes a PRE-EXISTING RELATIONSHIP. THAT action in-of-itself wipes out any ability to point to the 2009 Tenants Act as it is now NOT an Arm's Length Lease/Tenancy (which is required for the 2009 Tenants Act to apply). (Note: for those who would like to know..... the 2009 Tenants Act protects Bona Fide Tenants from being evicted during a landlord's foreclosure for the duration of the pre-established lease- which I actually wholeheartedly support).
2). To address another comment I read on this post - Bella does have a legal "right" to lease the property back to the tenant because they require the old owner to deed the property over to Bella at the beginning of "signing up" which makes Bella the new rightful owner. It is the desperation of the distressed homeowner that makes this whole scam work. But again - In the Bella model to fight the lender's rights of eviction/right of possession from a foreclosure using the 2009 Tenants Act is just pure baloney. Now - I was thinking about how Bella could really make a crap-load of money and that would be for Bella to figure out a way to "evict" the old owner (the current tenant) and put a NON related tenant into the home - THEN Bella could possibly hit a home run and tie up the property in courts using the 2009 Tenants Act (would now be an Arm's Length relationship) to continue to receive lease payments on that property until the lease expires (3 years++????). OF COURSE the victim here is the original owner who will have their lender racking up fines and legal fees on the loan that THEY ARE and will continue to be responsible for. I'm pointing this out to WARN any and ALL prospective Bella clients that if Bella actually hires an intelligent attorney and figures this out - by handing over the deed to the property while still being responsible for the loan - puts you in the worst possible place of leverage and security. The simple solution to it is: DON'T DO IT!!!!
(P.s. the process of taking ownership of a property without being responsible for the existing lien(s) is called "subject to" or a "wrap". This is a LEGAL process where the seller of a home has the ability to willingly deed/sell their property to a buyer such that the old owner is still responsible for the loans on the property. The reason that folks would actually do this <outside of Bella> is if they are having a rough time selling their property - they WANT OUT - and the interested buyer doesn't have the ability to qualify for a loan. Generally there are provisions in that sort of sale that will establish that the new owner will "buy out" the ex-owner through a refi within a couple/few years once their credit (or income) makes it possible to qualify for their own loan to pay off the existing loans. Plus the new owner generally is responsible for making monthly payments to the ex-owner (through a recorded note) such that the ex owner retains foreclosure rights if the new owner doesn't make payments. Bella is taking this "subject to" or "wrap" sale procedure to another level, and certainly are NOT making payments to the ex-owner/lender(s) and is benefiting from it's loose real estate "legal" status).
3). For my last comment, I'd like to bring discussion about the elephant in the room - and that is: I am 100% convinced that Bella has no such financial backers ("investors") that they claim they do. For an investor to buy into this program (put up their hard earned $$$) they would have to be convinced that Bella is A). on the up and up (has anyone done research on the corporate folks of Bella???? Y-I-K-E-S!!!! and B). that they will be assured a return of their principal. The feature where Bella does not actively offer any of their clients the right to repurchase their home before at least 3-5 years leaves ALL investors exposed to the uncertainty of the markets. So let's say if Bella is able (LAUGH) to purchase a note on a property that has a current value of $150,000 for, say, $100,000. In 3 years if the home is worth $90,000 (very possible) that investor has just taken a bath on their investment. Do you REALLY think any investor would buy into this sort of uncertainty?? Personally I believe, to call a spade a spade, there hasn't been and won't be any attempts at purchasing notes. The entire scam is to earn reseller monthly fees and monthly lease payments from the gullible resellers and the poor distressed homeowners. I don't remember which Q&A number it is but they absolutely have their ducks in a row and even DISCLOSE that for those clients Bella is unable to succeed in buying the note (LAUGH again) - or suing their pants off (can anyone say boilerplate non-sense??) that Bella will simply deed the property back to the ex-owner for the ex-owner to then deal with the lender(s) and foreclosure. I believe 100% that this clause will apply to ALL BELLA clients...............
I personally corresponded with an ex-Bella client who was actively facing foreclosure - and her realization that Bella's plan to skim lease payments from her was indeed the plan from day 1 was when she asked Bella for ANY proof that they had done ANYTHING since her lease payments began. The response from Bella? Silence. No return calls - no faxes, no emails. THAT in-of-itself proves to me with little doubt that our suspicions are valid that this program is simply a plan to play on distressed homeowners desperation and collect monthly resellers fees (nice MLM set up...huh???) and monthly lease payments.
I am with Soapboxmom that the more we write about it - the more likely the overwhelmed FTC / FBI might take a peek at this mess. Unfortunately, the reality of it - is that they are SO overwhelmed with scams like this that it could take a year or two before they can get staff to take a peek. Let's keep up the pressure and keep the points being made so that until they are stopped that we might, at a bare minimum, reach a handful of those distressed homeowners and warn them to RUN AWAY!!!!

Magic_Muffin
12-23-2011, 02:05 PM
To add to Sharon's post, evicting the original homeowner will not grant protection under the Act. It would still be a document that was put in place during the foreclosure period, not that it would stop Bella from attempting to do so and collect more rent anyway. They would have to have control of the property and a true tenant in place way before the process even begins to attempt this. The potential issue with that is once Bella ultimately fails and deeds the property back to the owner (assuming they will do so without issue) the homeowner now has to deal with a tenant they do not have a lease claim to on top of everything else the foreclosure process brings. One of the bigger things to point out is that Bella actually needs the homeowner(s), at least initially. The reason being is that Bella is not a party to the mortgage or note (read:contract), and therefore cannot bring action on a contract they are not a party to. Simply being a deed interest holder does not give the right to bring action on the mortgage. In a few of these suits, the opposing counsel points out that Bella does not have standing to even be in the court. To date, I have not seen anything filed in the cases that gives Bella the right to sue on behalf of the homeowners, select counsel, or anything like that. It would be interesting to see the retainer agreement in one of these cases just for that.

Sharon B
12-24-2011, 05:06 PM
OK - this should be REALLY interesting....as per the original topic of this thread - there is a new posting on Scam.com that actually has some of the original posters from the 9/27/11 Bella Homes, LLC thread that was taken down by George (??). Curious to see how long this new post lasts??? Also, I see that just as you pointed out - some Bella resellers are paying George for Banner posting on Scam.com....good lord!!

Curious note: After I "complained" to the "admin" on Scam.com that the 9/27/11 Bella thread was taken down, I stupidly also tried to register so that I could post a new thread on Bella - my registration approval never arrived....lol ..big smile. I think I'll stick to this site from here on out any how!....

Thanks again Soapboxmom!

Soapboxmom
12-24-2011, 05:27 PM
Thanks to Magic Muffin and Sharon for the excellent points.

MLM products are usually overhyped and overpriced. These MLM products, such as they are, are sold MLM style as they cannot compete in a real world market place and be retailed. This Bella program is a shining example of something that is perfect for the slimeball heavy hitters in MLM. Bella is counting on the MLM pyramid promoters to bring in legions of unsuspecting sheep to the program. The program certainly can't stand on its own with the obvious questions surrounding it, but experienced MLM promoters can sell anything no matter how worthless. RUN AWAY is the best option to be sure!!!!

Lots more court docs are on their way up!

Soapboxmom

Soapboxmom
12-24-2011, 09:07 PM
Let's give Bella Homes a little coal in their stocking:

483

484

485

486

487

Notice the Plaintiff's responses which pointed out the obvious. Bella's filings are said to be rambling and nonsensical and the pleadings are described as fatal. Bella is getting laughed out of court again. Bella is taking the route of filing obviously losing litigation in hopes of spending the opposition into acquiescing to their totally unreasonable demands. They throw out numerous darts (allegations that can't possibly be substantiated or ever hope to fly and are often totally nonsensical to boot) hoping something might stick and the opponent will cave in. They should be sanctioned and have these frivolous garbage filings turned around on them. Bella is clogging up already totally overwhelmed courts that should be addressing legitimate filings instead of this drivel.

Folks should demand Bella publish its successful forays in court and standing restraining orders, injunctions and the like against any bank or mortgage company. I would bet the talk of litigation will be disappearing from the Bella websites and videos very soon!

Soapboxmom

Soapboxmom
12-24-2011, 10:06 PM
Bella Homes (http://www.ziprecruiter.com/jobs/Bella-Homes/e4647b32)





Stop Foreclosures- Lease Buy Backs -Slash Payment 50% #81


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Posted: 8 days ago




Job Description:

Help people save their homes from foreclosure with a one of a kind lease buy back that reduces the payment by 50% and 60% of lease payment will go towards their equity (mortgages pay nowhere near that to the equity%) and the client has a lease period of 3 to 5 to 7 years (their choice) and a 90% of market value guaranteed buy back at 1% above prime by lease holder at the end of the lease period. . 90% approved!! win/win/win situation. Email for details. Sales reps can make 3k range and there are no upfront fees to the sales rep or the clients. We pay you 50% of what we make and there is no recruiting involved in this job. You work for a direct distributor who provides leads to call. It only takes 2 weeks for approvals and then you are paid...This new program will prevent families from foreclosures in 49 states! No license required. Email us for details please and we will send you to the website with the various webinars.


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Bella has boatlaods of these dishonest job postings up all over the net. This is MLM crap and those reps could be held legally liable for the representations (read misrepresentations) they make about Bella and what it purports to do for the homeowner. Bella will make a very feeble effort and may in some instances prevent foreclosures is a lot closer to the truth!

Soapboxmom

Soapboxmom
12-27-2011, 04:27 PM
If Bella Homes is unable to settle the second mortgage we will transfer the property to one of our subsidiaries and foreclose on ourselves, which will therefore wipe out the second mortgage and any other liens on the property. This is perfectly legal, and is a strategy that Bella Homes attorneys have put in place. Bella Homes will own the home subject to the underlying mortgage. If the tenant exercises their option to purchase the property back, the only way Bella could provide clear title to the property would be if the mortgage has been purchased and any other liens have been removed from the property. With this in mind, up until the time that Bella Homes buys the mortgage from the lender, and wipes out any of the liens on the property, Bella Homes ownership of the property is subject to the underlying mortgage and/or liens.
That sure seems fraudulent to me. Transfer the title to a subsidiary (part of your own company basically) for the express purpose of wiping out legitimate second liens and perhaps other liens as well for the express purpose of reselling the property back to the original owner. That seems to be collusion with the original owner to defraud the banks out of thousands and then return the property to that original owner at a substantial discount thanks to these escapades.

Bella then gets an appraisal and uses that figure to arrive at a 90% of appraised value to resell the property to the original owner that never left. Will the appraisals be artificially inflated to line Bella's pockets, perhaps? :shocked:

Soapboxmom

laidback
12-27-2011, 05:09 PM
That sure seems fraudulent to me. Transfer the title to a subsidiary (part of your own company basically) for the express purpose of wiping out legitimate second liens and perhaps other liens as well for the express purpose of reselling the property back to the original owner. That seems to be collusion with the original owner to defraud the banks out of thousands and then return the property to that original owner at a substantial discount thanks to these escapades.

Bella then gets an appraisal and uses that figure to arrive at a 90% of appraised value to resell the property to the original owner that never left. Will the appraisals be artificially inflated to line Bella's pockets, perhaps? :shocked:

Soapboxmom
If someone is desperate enough to utilize their "services" I sure wouldn't advise using an appraiser they recommend!!!

Whip
12-27-2011, 05:59 PM
That sure seems fraudulent to me. Transfer the title to a subsidiary (part of your own company basically) for the express purpose of wiping out legitimate second liens and perhaps other liens as well for the express purpose of reselling the property back to the original owner. That seems to be collusion with the original owner to defraud the banks out of thousands and then return the property to that original owner at a substantial discount thanks to these escapades.

Bella then gets an appraisal and uses that figure to arrive at a 90% of appraised value to resell the property to the original owner that never left. Will the appraisals be artificially inflated to line Bella's pockets, perhaps? :shocked:

Soapboxmom

I don't understand how they would be able to hand it off to a subsidiary if they can't pay the second mortgage themselves. If they can't pay it, how would they even get possession of the property? They make it seem like the original mortgage holder doesn't even exist and they can do as they please.

Magic_Muffin
12-27-2011, 06:45 PM
That sure seems fraudulent to me. Transfer the title to a subsidiary (part of your own company basically) for the express purpose of wiping out legitimate second liens and perhaps other liens as well for the express purpose of reselling the property back to the original owner. That seems to be collusion with the original owner to defraud the banks out of thousands and then return the property to that original owner at a substantial discount thanks to these escapades.

Bella then gets an appraisal and uses that figure to arrive at a 90% of appraised value to resell the property to the original owner that never left. Will the appraisals be artificially inflated to line Bella's pockets, perhaps? :shocked:

Soapboxmom

SBM,

It is not necessarily fraudulent in the sense that it can be done. Usually what you would see it that entity I is the holder/servicer/etc of the note/mortgage, and in a situation where it makes sense, entity I will foreclose and friendly entity II will bid at the sale and hold interest through the redemption period where applicable. Or, entity I will sell the loan portfolio to friendly entity II for the specific purpose of foreclosing.

However, this is not what Bella is doing, for example:

- In the event that Bella convinces the note/mortgage holder/servicer/etc to sell it short in a short sale, there is nothing to foreclose on as the mortgage is extinguished once the short sale is completed. If Bella financed this purchase with another loan or private funding and it is secured with the property, they are now at the back of the line as far as loan positioning goes. Loan #1 is now gone VIA the short sale and now all junior liens move up one place. I.E. the 2nd is now 1st, 3rd is now 2nd, etc, with the newest lien is last place. Bella can foreclose that position all they want and actually foreclose the owner(s) out, but all senior liens will remain intact. Basically, it is a foreclosure subject to all senior debt.

- From their stated process, Bella takes possession VIA quit claim deed and are now the title owners of the property. From some miracle Bella actually gets the note/loan/mortgage holder/servicer/etc to sell the position in a one off transaction. Well, now they are screwed. By holding title to the property from the deed and then taking ownership of the debt, they have now merged their interests and now have a worthless mortgage/note/whatever that cannot be foreclosed on. The only way around this is if there was specific anti-merger in the mortgage stating it would survive any merger of interests, which is a VERY specific thing. That is why a Deed In Lieu of Foreclosure does not allow the mortgagor to pursue a deficiency judgment in most cases.

Now again, this also assumes the 2nd mortgage (or any other jr. liens) do not decide to redeem their interest and payoff Bella, in which case EVERYTHING the Bella program is based on is thrown out the window. From the Q&A on the Bella page, you could reasonably assume that if this happens, Bella will not step up and redeem out the homeowners interest VIA the deed to keep the home. If the original homeowners somehow now have the money to do so, they cannot as they no longer have a right to do so since they signed their interest over to Bella. Which means the homeowners are reliant on Bella deeding back the house in a timely enough manner for them to be able to do something. Given how restrictive the timelines are in some states and the strict cutoffs to file paper work, I doubt it will happen.

In either case the homeowner(s) lose.

As far as the appraisal goes, they state (and referenced in your previous post), they operate in 49 states. Most obviously the one state they are not doing business in is California. This is mainly due to their program being illegal in CA because of the restrictions on sales and leasebacks back to the original homeowners. So we will not use CA as an example, but we can use LA, MN, ID, WA, OR or any other given state in which they do not know the law...... despite having the best legal minds in the industry at their disposal. In OR an MN for example, in a sale/leaseback to the original homeowner, you are capped at 12% profit over your money invested, meaning no matter the appraisal, 88% has to go back to the homeowner. So, if everything works perfectly, and they get a $200k house for $100k, and 3 years later is appraises for $150k due to continued downward trending the market. Bella gets it's $100k back, plus 12% of the profit, or in this case, $6,000.00. Granted this is simple numbers for the sake of example, but it still applies.

Are you telling me that any investor is going to tie up $100k of capital for a simple 4% per year return on investment? To me, this is another example of where the Bella plan falls apart. There is not a hedge fund around that will sacrifice their typical 15% to 21% return needed to put their money in play for this. Not to mention the deep probe background check needed to do business with theses entities would immediately eliminate them because of the loosest association with Delpiano, a convicted felon of financial crimes. You would think with the best real estate legal minds in the nation helping them, they would know which states they can safely operate in. But since they don't, their business model is more akin to "let's do it anyway until the State AG tells us to stop" model.

I honestly don't understand how they have even gotten this far?

MM

Soapboxmom
12-27-2011, 08:41 PM
Thank you for the explanation. I have no mortgage / financial background. What is obvious to us neophytes is that this is all very complex and the laws vary from state to state. The most telling issue is the court docs. Those make it quite clear Bella doesn't have a leg to stand on with most of the issues they are raising. In the end I think you hit the nail on the head. The original homeowner will lose.

More court docs will be forthcoming!

Soapboxmom

Sharon B
12-28-2011, 08:13 AM
SBM,

It is not necessarily fraudulent in the sense that it can be done. Usually what you would see it that entity I is the holder/servicer/etc of the note/mortgage, and in a situation where it makes sense, entity I will foreclose and friendly entity II will bid at the sale and hold interest through the redemption period where applicable. Or, entity I will sell the loan portfolio to friendly entity II for the specific purpose of foreclosing.

However, this is not what Bella is doing, for example:

- In the event that Bella convinces the note/mortgage holder/servicer/etc to sell it short in a short sale, there is nothing to foreclose on as the mortgage is extinguished once the short sale is completed. If Bella financed this purchase with another loan or private funding and it is secured with the property, they are now at the back of the line as far as loan positioning goes. Loan #1 is now gone VIA the short sale and now all junior liens move up one place. I.E. the 2nd is now 1st, 3rd is now 2nd, etc, with the newest lien is last place. Bella can foreclose that position all they want and actually foreclose the owner(s) out, but all senior liens will remain intact. Basically, it is a foreclosure subject to all senior debt.

- From their stated process, Bella takes possession VIA quit claim deed and are now the title owners of the property. From some miracle Bella actually gets the note/loan/mortgage holder/servicer/etc to sell the position in a one off transaction. Well, now they are screwed. By holding title to the property from the deed and then taking ownership of the debt, they have now merged their interests and now have a worthless mortgage/note/whatever that cannot be foreclosed on. The only way around this is if there was specific anti-merger in the mortgage stating it would survive any merger of interests, which is a VERY specific thing. That is why a Deed In Lieu of Foreclosure does not allow the mortgagor to pursue a deficiency judgment in most cases.

Now again, this also assumes the 2nd mortgage (or any other jr. liens) do not decide to redeem their interest and payoff Bella, in which case EVERYTHING the Bella program is based on is thrown out the window. From the Q&A on the Bella page, you could reasonably assume that if this happens, Bella will not step up and redeem out the homeowners interest VIA the deed to keep the home. If the original homeowners somehow now have the money to do so, they cannot as they no longer have a right to do so since they signed their interest over to Bella. Which means the homeowners are reliant on Bella deeding back the house in a timely enough manner for them to be able to do something. Given how restrictive the timelines are in some states and the strict cutoffs to file paper work, I doubt it will happen.

In either case the homeowner(s) lose.


I honestly don't understand how they have even gotten this far?

MM
Hi MM - you shared something above that I didn't know.....and that is: you say that if Bella is the owner of the deed (through a Grant deed or Quit Claim) that if they then subsequently purchase the 1st note on the property (laugh) that they are in conflict of something called a "merged note" and can now not foreclose on that note????? And you go on to say it is then thus "worthless"?? I take it you are saying that they can NOT transfer the ownership of the property to a subsidiary (as they've outlined they planned to do) and proceed with a foreclosure??? (Clearly they can't foreclose on themselves but if they transfer ownership to a subsidiary I would think this would have worked???). The process they outlined actually made sense to me (presuming they were able to buy the one-off note for cents on the dollar in the first place) until you mention this "merger" issue??? As I say, I've never heard of this before. Why couldn't they transfer the ownership of the property to a subsidiary (no longer a "merged" note????) and then have Bella foreclose on the 1st note that they purchased which the subsidiary is now not making payments on?? Wouldn't this avoid this "merger of interests" issue that you mention above??

I know that Bella (as outlined) never did nor never has stated that they would pursue a short sale as that structure won't work as you outlined above - but they DID outline that they would buy the 1st note at cents on the dollar which would preserve it's recordation order with the 2nd. What I did not know was that all states disallow the owner of the deed from purchasing the note unless there is "anti merger" verbiage (which sounds rather obscure?????). Can you elaborate for me where I can find more information on this topic which, to me, essentially nullifies their ENTIRE game plan (which, by the way, is not surprising to me at all but I'd be interested to learn more).
Thank you very much!

Soapboxmom
12-28-2011, 10:56 AM
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January, 2011
Steven Bernstein, JD
Steven Bernstein is a forensic auditor in Atlanta, Georgia with over twenty-seven years experience in the real estate field. Having owned his own mortgage company for nineteen of those years, he went on to earn his law degree in 1993 and is one of only a handful of forensic auditors in his state to have also earned an MBA. Currently, he provides paralegal services to Bella Homes, LLC and serves as one of their forensic auditors. Here is what Mr. Bernstein has to say about Bella Homes, LLC.
Success in foreclosure defense actions is a relative term. To some, success is defined as the complete cessation of any and all foreclosure proceedings. To others, it is measured simply by how long a homeowner can stay in his home and avoid the foreclosure process entirely. We have been successful in both regards.
Bella Homes, LLC offers a solution to homeowners who, for a variety of reasons, cannot get to a final resolution on their own. Often times, the biggest obstacle a homeowner must overcome is simply the lack of time. The program offered by Bella Homes, LLC offers homeowners exactly that: time. I hold them in very high regard.
Steven Bernstein, JD
Atlanta, GA


October, 2010
As you are aware, my law office prepared the initial formative documents for Bella Homes, LLC, a Delaware limited liability company (the "Company"). This consisted of preparing and filing, among other things, the Delaware Certificate of Formation, Nevada Business License Application, and Application for taxpayer identification number. We continue to represent the Company on a regular, but non-exclusive basis, with our engagement limited to specific matters as to which we were consulted by the Company. We do not exercise internal supervision of the company's legal or financial affairs and, therefore, this letter is necessarily limited to those matters as to which we have been specifically engaged and to which we have devoted substantive attention in the form of legal consultation or representation until the date of this letter.
As it pertains to Bella Homes, LLC, in addition to handling the formation of the Company, I reviewed the organizational documents, internal Company contracts and certain documents concerning the operation of the Company's business. I was also requested to review the Company's business model and plans. With respect to the information and documentation I have been provided, I believe that Bella Homes, LLC is conducting and operating its business consistent with Federal and State laws.
I have represented Mark Diamond, President and CEO of Bella Homes, LLC, for a number of years. Mr. Diamond has an extensive history of successful and legitimate business practices in a number of fields. He has proven to be innovative and diligent in both the development and operation of each of his endeavors. As an individual, Mr. Diamond has shown a commitment to high ethical standards and unwavering adherence to guidelines and standards within his respective industries.
Richard D. Farkas
Sherman Oaks, CA









© 2011 Bella Homes
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Sitemap (http://bellahomesllc.net/component/xmap/?sitemap=1)
These testimonials are particularly amusing. Bernstien hails from Georgia where BH got the cease and desist and is getting simply massacred in court. The second testimonial is from an attorney, Richard Farkas who is in CA, the one state whose laws bar BH from pushing their program there. Pretty darn hilarious if you ask me!


e (http://www.calbar.ca.gov/state/calbar/calbar_home.jsp) > Public (http://www.calbar.ca.gov/Public.aspx) > Attorney Search (http://members.calbar.ca.gov/fal/MemberSearch/QuickSearch) > Attorney Profile Attorney Search


Richard Dean Farkas - #89157

Attorney Provided Information

The information below was provided by the attorney and has not been verified or monitored. The State Bar does not recommend or endorse any attorney.


https://members.calbar.ca.gov/photo/users/89157.jpg?1130047610
Practice Area(s):
Alternative Dispute Resolution
Appellate Practice
Business Law
Commercial Law
Communications Law
Construction Law
Contracts
Corporate Law
Elder Law
Entertainment & Sports
Finance
Insurance
Intellectual Property
Internet Law
Investments
Legal Malpractice
Litigation
Professional Liability
Real Estate
Technology & Science

Website:
www.RichardFarkas.com (http://www.richardfarkas.com/)







Current Status: Active

This member is active and may practice law in California.
See below for more details.

Profile Information

The following information is from the official records of The State Bar of California.


Bar Number: 89157


Address:
15300 Ventura Blvd #504
Sherman Oaks, CA 91403
Map it


Phone Number: (818) 789-6001
Fax Number: (818) 789-6002
e-mail: Not Available


Undergraduate School:
Univ of Colorado Boulder; Boulder CO


Law School:
UCLA SOL; Los Angeles CA


County: Los Angeles
District: District 7



Sections:
None




Status History



Effective Date
Status Change


Present
Active


11/29/1979
Admitted to The State Bar of California



Explanation of member status








Soapboxmom

laidback
12-28-2011, 12:23 PM
What is interesting is that Bernstein has a JD but is providing "Paralegal" services to Bella. Sounds like he flunked his Bar Exam from here...!
Soooo let's see now, we have an attorney from a State (CA) where Bella is illegal that formed a Delaware Corp whose headquarters is in AZ. Interesting that Farkas is a UCLA grad...(didn't we recently have a tussle with some supposed UCLA law students?). Then we have an attorney wannabe in GA where all the court cases are failing...! Sounds like a truly professional operation....NOT!!!

Sharon B
12-28-2011, 01:33 PM
SBM -
I was told that Bella CAN do deals in California. What information do you have that states that Bella's program is still "barred" in Calif? I believe they were barred in Calif when they first launched in August - but subsequently they received the 'green light' in Calif about 6+/- weeks later. I never did find out what the hang up was in Calif (which would be very interesting to know) but apparently they ARE accepting applications in Calif now.....(unless that is all baloney and no one in Calif is actually "approved"????).
What I personally found extremely telling was Mr. Bernstein's not-so subtle point of stating that Bella's "success" is essentially in their delay of foreclosure. Yep that about sums it all up - except he left out the important part of: delaying foreclosure while Bella receives reseller monthly MLM payments and homeowner monthly lease payments. Never mind about all of the other hype and promises that Bella extolls - it all boils down to their own paralegal's words: success = delayed foreclosure. If they would market their program according to their attorney's comments it would be more like: "Deed us your property - so that you can make monthly lease payments to us, while we obtain a TRO and file boilerplate lawsuits to annoy the courts until our boilerplate lawsuits are dismissed with prejudice and then we happily deed your property back to you and your home goes to foreclosure." Hmmmm - wonder how many resellers would be all over this wondrous "foreclosure prevention program" and I wonder how many homeowners would move forward? Sad to say - there would still be a handful of homeowners that would still participate as every month makes a difference to some poor souls - but clearly that would be about it!!!

Soapboxmom
12-28-2011, 02:09 PM
About CA, all I can say is the recent job postings from Bella, youtube videos etc. say they can do business in only 49 states and they didn't update that on those sources yet. MM also indicated that they could not do business in CA. "Most obviously the one state they are not doing business in is California. This is mainly due to their program being illegal in CA because of the restrictions on sales and leasebacks back to the original homeowners." So, either way I would bet they are going to find it hard to do business anywhere after some more frivolous court filings and the accompanying bad publicity. The complaints from homeowners should begin pouring in as they spend thousands for nothing and end up in foreclosure anyway. I would bet some rogue MLM reps are really handing homeowners wild tales about how great and successful this program is. That is exactly why these squirrelly deals use MLM. The company will say any misrepresentations were made by the independent rep. Convenient isn't it!

Soapboxmom

laidback
12-28-2011, 02:43 PM
Here is a guide published by CA concerning sale-leaseback transactions. http://www.corp.ca.gov/Commissioner/Releases/pdf/56fs.pdf

Sharon B
12-28-2011, 03:27 PM
Not that it makes a hill of beans difference - while I was on RFP (Bella reseller) company calls they stated specifically that the state of Colorado had been suspended by Bella.."because some resellers were advertising 'Foreclosure Prevention'" (which is strictly forbidden by Bella) which would be the reason for 49 states. Honestly I'm just attempting to keep some Bella/RFP rep from attempting to discredit our "facts" posted on this great thread.....it could be California, it could be Colorado - honestly the program should be disallowed in all states!

And...Thanks Laidback for the link. The last "test" item for a Sale Leaseback to be considered a possible "loan" in California says: "The transaction includes agreements with provisions of title reversions and “repurchase” within specified periods."

CLEARLY that is the case here for Bella's program...AND this now possibly explains to me why Georgia issued the Cease and Desist order in May 2011 related to illegal mortgage activity. (The Bella spin group keeps saying that that Cease and Desist was wrongly placed because "they don't do loans!!!"). The plot thickens!!!
LOL

Thanks everyone

Magic_Muffin
12-28-2011, 04:26 PM
Hi MM - you shared something above that I didn't know.....and that is: you say that if Bella is the owner of the deed (through a Grant deed or Quit Claim) that if they then subsequently purchase the 1st note on the property (laugh) that they are in conflict of something called a "merged note" and can now not foreclose on that note????? And you go on to say it is then thus "worthless"?? I take it you are saying that they can NOT transfer the ownership of the property to a subsidiary (as they've outlined they planned to do) and proceed with a foreclosure??? (Clearly they can't foreclose on themselves but if they transfer ownership to a subsidiary I would think this would have worked???). The process they outlined actually made sense to me (presuming they were able to buy the one-off note for cents on the dollar in the first place) until you mention this "merger" issue??? As I say, I've never heard of this before. Why couldn't they transfer the ownership of the property to a subsidiary (no longer a "merged" note????) and then have Bella foreclose on the 1st note that they purchased which the subsidiary is now not making payments on?? Wouldn't this avoid this "merger of interests" issue that you mention above??

I know that Bella (as outlined) never did nor never has stated that they would pursue a short sale as that structure won't work as you outlined above - but they DID outline that they would buy the 1st note at cents on the dollar which would preserve it's recordation order with the 2nd. What I did not know was that all states disallow the owner of the deed from purchasing the note unless there is "anti merger" verbiage (which sounds rather obscure?????). Can you elaborate for me where I can find more information on this topic which, to me, essentially nullifies their ENTIRE game plan (which, by the way, is not surprising to me at all but I'd be interested to learn more).
Thank you very much!

Here is a quick definition for you: What is Antimerger Clause - Super Glossary (http://www.superglossary.com/Definition/Real_Estate/Antimerger_Clause.html)

Once the interests are merged, you cannot "un-merge" them. This is not something that just applies to banks or real estate related businesses, it applies to the homeowner(s) as well. If the homeowner bought their own loan, the same thing would happen. There are ways to do it, but I really don't feel like outlining them here as when I pointed out other things in specific detail while posting on that other forum, I found the Bella Q&A page slightly updating itself as applicable. I will leave it at there are enough lawyers out there that are either certified real property experts or have enough experience in the RE field to know how to avoid this issue.

One thing to look at more closely is what would be the incentive of the bank/fund/investment group/etc to take such a steep discount on a one off, one asset transaction?

Magic_Muffin
12-28-2011, 08:13 PM
Not that it makes a hill of beans difference - while I was on RFP (Bella reseller) company calls they stated specifically that the state of Colorado had been suspended by Bella.."because some resellers were advertising 'Foreclosure Prevention'" (which is strictly forbidden by Bella) which would be the reason for 49 states. Honestly I'm just attempting to keep some Bella/RFP rep from attempting to discredit our "facts" posted on this great thread.....it could be California, it could be Colorado - honestly the program should be disallowed in all states!

And...Thanks Laidback for the link. The last "test" item for a Sale Leaseback to be considered a possible "loan" in California says: "The transaction includes agreements with provisions of title reversions and “repurchase” within specified periods."

CLEARLY that is the case here for Bella's program...AND this now possibly explains to me why Georgia issued the Cease and Desist order in May 2011 related to illegal mortgage activity. (The Bella spin group keeps saying that that Cease and Desist was wrongly placed because "they don't do loans!!!"). The plot thickens!!!
LOL

Thanks everyone

Sharon,

I encourage you to do two of the following things:

- Call the Georgia Dept. of Banking & Finance and talk with Rod Carnes, who can be reached VIA the info below. I did, and so have a few other people. The quick recap is that they do not issue these things for fun, and that they were given more then ample notice to comply or answer the order, and for whatever reason, chose not to do so. That to this date, nothing has been done about the order from anyone since it went in to effect.

Rod Carnes
Deputy Commissioner for Non-Depository Financial Institutions
Phone: (770) 986-1371
E-mail: rodc@dbf.state.ga.us

- Read the Georgia Residential Mortgage Act and all the way to the latest revisions effective 7/1/2011, which can be found HERE (http://www.georgia.gov/vgn/images/portal/cit_1210/44/5/143622413GRMACodeSections_ver7-1-2011.pdf) as well as the information found HERE (http://www.preventloanscams.org/states?id=0010#Important%20Loan%20Modification%20S cam%20Rules%20and%20Laws) which goes over some of the other laws and makes additional reference to the fact that this industry falls under the regulation of Georgia Dept. of Banking & Finance. You should be able to see the sections in which the State of Georgia decided to take action.

Also, from your previous post, if all it was the phrasing of "Foreclosure Prevention", "Foreclosure Consultant", "Foreclosure (insert phrase here)", there would be quite a bit more States they would not be doing business in. Below, I have posted the main points of the Colorado law, which you can see the main areas as to why Bella would not be able to operate there. Mainly offering this kind of service in CO requires you to have a mortgage license. Bella would not be able to get a license due to the criminal past and associations with members. One of the other things I have seen is based on the advanced fee angle, saying that Bella is not charging a fee to the homeowner, only rent, so they do not violate this part of the law. Unfortunately states like CO, MN, CA, ID, and a few others will consider the "rent" an advance fee due to the implicit promise the rent and/or leaseback to buy agreement presents. In the end, when Bella cannot perform on their part of the contract for whatever reason, all the rent will be considered an advance fee. Especially if they are ever forced to account for where the funds went, who was paid what (MLM upline, attorney, etc). I would be surprised to see that every "customer" account was segregated and not commingled with other funds/accounts/income streams.

Anyway, below is the Colorado information.

Summary: Beginning in 2006, Colorado enacted new laws which provide strict requirements and restrictions on the business practices of foreclosure consultants and home equity purchasers. A foreclosure consultant cannot take any money from you until after he has performed his service. You may be able to get a refund. The violation of any of these new laws is a Deceptive Trade Practice in Colorado, where the home owner may receive 3 times damages, attorney fees, and costs.

Foreclosure Consultants & Equity Purchasers in Colorado

Because of widespread foreclosure “rescue” scams, in 2006 Colorado enacted laws to help protect you from fraudulent activity in connection with foreclosure rescue, bailout schemes, or purchasers of the equity in your home. The law also provides some protection from equity purchasers. The new law strengthens other laws concerning mortgage brokers and Realtors which were enacted in 2002.

The violation of any of these new laws is a Deceptive Trade Practice in Colorado. You may receive 3 times the amount of damages, as well as attorney fees and costs.
Foreclosure Consultant Laws in Colorado

A foreclosure consultant is defined as a person, who for compensation, represents that the consultant will obtain a rescue loan, achieve a workout or forbearance with the lender, avoid or reduce the impairment of the homeowner’s credit, or otherwise prevent or delay the foreclosure sale.

The foreclosure consultant law does not apply to an attorney, real estate brokers, mortgage brokers, bank, or title companies which are conducting business as part of their normal business activity. However, the law may apply to these individuals, particularly the mortgage brokers and real estate brokers if they are involved in foreclosure rescue activities.

The 2006 Colorado law requires:

1. A written contract between the foreclosure consultant and the homeowner of a residence.

2. A written notice that the foreclosure consultant may not charge any advance fee for services. A fee for services may be charged only after the service has been performed. Except that a fee for out-of-pocket expenses may be charged.

3. A written notice that the homeowner may rescind (unwind) the contract at any time without penalty. The contract documents must include a form for the rescission of the contract.

4. A disclosure that the consultant may not ask for the title to the home to be transferred to the consultant.

Under Colorado C.R.S. § 6-1-1107, a foreclosure consultant may not:

1. Collect or in any other way make a charge for services until after the foreclosure consultant has fully performed each and every service which he has contracted to perform.

2. Claim, demand, or collect any compensation for a loan that he makes to the homeowner which exceeds 2 percentage points over the prime rate. Such interest rate cannot in any case exceed 8 percent. This is to avoid high interest rate loans.

3. Take any wage assignment or lien of any type on the homeowners’s property as security for the payment of compensation;

4. Receive any compensation from any third party in connection with the foreclosure consulting services unless it is fully disclosed to the homeowner in writing;

5. Acquire any interest, directly or indirectly, in the ownership of real property or personal property of the homeowner;

6. Obtain a power of attorney from a homeowner for any purpose other than to inspect documents as provided by law; or

7. Attempt to get a home owner into a consulting contract which does not comply with the provisions of this law.

8. Attempt to get the home owner to waive any rights to:

- a jury trial;

- court jurisdiction or choice of law outside of Colorado

- jurisdiction other than in the county where the residence is located;

- a jury trial.

The violation of any of these foreclosure consultant provisions is a Deceptive Trade Practice in Colorado. You may receive 3 times the amount of damages, as well as attorney fees and costs.

Home Equity Purchasers in Colorado

Colorado law also restricts and regulates the activities of home equity purchasers.

A home equity purchaser is anyone who acquires an ownership interest in your home, except if the purchaser intends to live in the property as his personal residence for at least one year.

Similar to a foreclosure consultant, under Colorado C.R.S. §6-1-1111, a home equity purchaser must have a written contract with the home owners. Except that the right of rescission extends to 3 business days after the contract is signed.

Until this 3 day right of rescission has passed, the equity purchaser may not accept any deed or other document which transfers title to the equity purchaser or even pay the home owner any compensation for the equity or ownership of the home.

The equity purchaser is prohibited from making any untrue or misleading statement regarding the value of the home in foreclosure, the amount of proceeds the home owner may receive after a foreclosure sale, or any other untrue or misleading statement concerning the sale of the residence in foreclosure.

The equity purchaser must also assume or discharge the lien(s) in foreclosure without violating the terms of those liens. Usually this means that any loans secured by a deed of trust must be paid off.

The equity purchaser must verify that the home owner has a reasonable ability to make any lease payments and repurchase the home within the terms provided in any sale/lease-back contract.

The purchase price at which the home owner must pay to get the property back must not be unconscionable. A price which is 25% higher is presumed to be unconscionable.

Similar to the restrictions on foreclosure consultants, the contract cannot waive several home owner legal rights or impose costs or fees greater than actual costs or fees.

The violation of any of these home equity purchaser provisions is a Deceptive Trade Practice in Colorado. You may receive 3 times the amount of damages, as well as attorney fees and costs.

Colorado Now Requires Mortgage Broker Licensing in Most Cases

Unless the "consultant" is a Colorado attorney, he or she is required to be licensed as a Colorado mortgage broker in order to do your loan modification. Also, they may not collect any fees up front.

MM

Sharon B
12-29-2011, 01:36 PM
Thank you MM!
I will do as you have suggested. I wish there were more states who saw what Georgia saw and would start taking action like they did...

Soapboxmom
12-29-2011, 02:00 PM
SBM,

..........Their business model is more akin to "let's do it anyway until the State AG tells us to stop" model.

I honestly don't understand how they have even gotten this far?

MM
Bingo!!!!

Soapboxmom

barefoot
12-30-2011, 03:08 PM
Sharon B......What has the state of Georgia done? They haven't shut Bella Homes down. They still operate a business from the state of Georgia.

Soapboxmom
12-30-2011, 03:29 PM
Bella Homes


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Pamela Lenore Delpiano
Daniel David Dalpian
Pamela Lenore Cicilian


http://www.peoplefinders.com/images/buttons/viewdetails.png (http://www.peoplefinders.com/checkout/offer.aspx?type=people-name&item-id=1-162369798&item-count=2&fn=daniel&mn=d&ln=Delpiano&city=Alpharetta&state=GA&sfn=DANIEL&smn=&sln=DELPIANO&searchtype=people-name)
52
Alpharetta, GA
Johns Creek, GA
Tarpon Springs, FL
Scottsdale, AZ
Roswell, GA













2.
Daniel D Delpiano (http://www.peoplefinders.com/checkout/offer.aspx?type=people-name&item-id=1-137295904&item-count=2&fn=daniel&mn=d&ln=Delpiano&city=Alpharetta&state=GA&sfn=DANIEL&smn=D&sln=DELPIANO&searchtype=people-name)
Daniel D Pian
Daniel Dalpian
David Gebhardt Schmid


http://www.peoplefinders.com/images/buttons/viewdetails.png (http://www.peoplefinders.com/checkout/offer.aspx?type=people-name&item-id=1-137295904&item-count=2&fn=daniel&mn=d&ln=Delpiano&city=Alpharetta&state=GA&sfn=DANIEL&smn=D&sln=DELPIANO&searchtype=people-name)
52
Alpharetta, GA
Glendale, AZ
Commerce Township, MI
West Bloomfield, MI
Union Lake, MI










Numerous sources show Bella Homes at the first address. All sorts of interesting things tie in to this address. The other addresses appear on numerous very juicy court filings. Now we can read more court filings and see just what kind of people are running this popcorn stand.

Soapboxmom

Sharon B
12-30-2011, 03:32 PM
Sharon B......What has the state of Georgia done? They haven't shut Bella Homes down. They still operate a business from the state of Georgia.

Hey Barefoot - You know - I was wondering the exact same thing. I did call - but had to leave a message for the Georgia contact that MM left for us - and honestly am hoping to ask that very question. Within the links that MM gave us it clearly outlines what is supposed to happen to companies that continue to do business while under a Cease and Desist order. I guess my question to anyone on this post who has spoken with Rod (?) at the Georgia Dept of Finance is why is Bella being allowed to continue working within the state of Georgia?? I know their corp was established in Delaware and I know they have claims to being in Arizona - but even their website has a Georgia corporate physical address....so why are they not being prosecuted per the guidelines of the Georgia Cease and Desist order........or....perhaps they are but we haven't gotten wind of that yet???????????

Would anyone like to shed some light on this for Barefoot and I? THANKS!!!!

Soapboxmom
12-30-2011, 03:53 PM
10450 Belladrum Alpharetta GA - Home For Sale and Real Estate Listing - MLS #4225195 - Realtor.com® (http://www.realtor.com/realestateandhomes-detail/10450-Belladrum_Alpharetta_GA_30022_M67971-35683?source=web)


10450 Belladrum NE Alpharetta, GA 30022
$4,700,000


Estimate My Monthly Payment (http://www.realtor.com/realestateandhomes-detail/10450-Belladrum_Alpharetta_GA_30022_M67971-35683?source=web#)
Get Mortgage Rates
Get Prequalified Today


Beds:6 Bed Baths:8 Bath House Size:7,468 Sq Ft

Listings Refreshed: 10 Minutes Ago

Property Details

WOW! Unbelieveable home! European luxury-Imported hand carved molding & statues from Italy, accented with 18k gold!! Entertain in your formal dining room, living room overlooking lake, marble and stone custom pool with spa area, outdoor entertaining area. Chefs kitchen with state of the art appliances and upgrades. Exercise room, wine cellar, bomb shelter, billard room, theater, exquisite! Call for more information! Lease or lease purchase available.


6 bed
8 bath


7468 sq ft
Not Available


$4,700,000
$629


Single Family Home
2001


Cameron Crest Farms
European, Traditional (http://www.realtor.com/home-garden/home-styles/colonial-revival.aspx)


Not Available
Not Available




Status: ACTIVE
County: Fulton
Area: FULTON NORTH
Subdivision: Cameron Crest Farms
6 total full bath(s)
2 total half bath(s)
Family room
Kitchen
Dining room is Separate, with: Seating for 12+
Kitchen is with: Second Kitchen, Breakfast Bar, Breakfast Room, Cabinets Stain, Island, Keeping Room, View To Family Room, Pantry - Walk-in, Counter Top - Stone
Basement is a Daylight, Finished, Full, with: a Bath
5 fireplaces
Cooling features: Ceiling Fan(s), Central Electric,Cooling
Inclusions: Central Vacuum, Dishwasher, Gas Oven/Range/Countertop, Gas Water Heater
Community features: Cable Tv Avail, Homeowners Association
Lot features: Level, Lake Frontage, Lake View, Level Driveway, Private Backyard
Utilities present: Public Water, Public Sewer Connected
Elementary School: Dolvin
Jr. High School: Taylor Road
High School: Johns Creek
Swimming pool(s)
Basement
Dining room
Office
Laundry room
Hardwood floors
MainFloorBathroom
MainFloorBedroom
Parking features: 3 Car Garage, Auto Garage Door, Kitchen Level
Energy Info: Extra Insulation




In Keeping room, In Living room, In master bedroom


Forced Air, Gas


Stucco - Hardcoat


Composition


10 ft + Ceiling Upper, 10 ft+ Ceiling Main, 2-Story Foyer, Bedrooms On Main Level, Bookcases, Cathedral Ceiling, Entrance Foyer, His & Her Closets, In-Law Site/Apartment, Split Bedroom Plan, Walk-In Closet(s), Bedroom(s) on lower level, Bedroom(s) on upper level, LAUNDRY IN: Laundry Room, MASTER BATHROOM FEATURES: Bidet, Double Vanity, Garden Tub, Separate His/Hers


Deck, Fenced Yard, Front Porch, Hot Tub/Spa, Professional Landscaping, Pool House, Irrigation System, Outdoor Fireplace, East Exposure


4225195


ATLANTA COMMUNITIES |(404)844-4198




Bella reps claim:


3.Bella Homes, LLC close 90% of the loans/applications we receive.
5. Bella Homes, LLC has millions in Hedge funds. We have funded hundreds of deals, and will continue to fund hundreds more. The mortgage crisis is at epidemic levels, families are being displaced left and right. As representatives of Bella, it’s our duty and obligation to get the word out about the Bella services asap and let Bella corporate and the legal team help as many homeowners as they can.
6. I’ll make sure I fix my link. Thanks
7. Mr. Diamond is a great man. Bella Homes has saved a lot of families from financial hardship and the burden of losing their home. I’m very pleased with the company and the leadership. (http://super.whybellahomes.com/)

If there are millions in hedge funds, why is it the Delpiano scammers couldn't save their home which also doubled as Bella's headquarters????? If they can't save this home how successful will they be at saving other homes???

Soapboxmom

Soapboxmom
12-30-2011, 04:24 PM
Bella Homes original headquarters was really swank:494495496497498

Why is it the geniuses at Bella couldn't save it???

Soapboxmom

Soapboxmom
12-30-2011, 06:39 PM
Now we can explore why I so carefully documented those addresses. An incredibly wonderful birdy has been sending me very fascinating court documents. Daniel David Delpiano spent time in prison and was deposed in a civil case related to the criminal complaints while still behind bars. That scum plead the fifth for every question put to him by that attorney in the civil case. She had the right to ask the judge order him to answer. Delpiano admitted he wouldn't answer due to possible additional criminal charges. Who in their right mind would do business with Bella Homes knowing about the following???:

499

500

501

502

Soapboxmom

laidback
12-30-2011, 07:19 PM
Now we can explore why I so carefully documented those addresses. An incredibly wonderful birdy has been sending me very fascinating court documents. Daniel David Delpiano spent time in prison and was deposed in a civil case related to the criminal complaints while still behind bars. That scum plead the fifth for every question put to him by that attorney in the civil case. She had the right to ask the judge order him to answer. Delpiano admitted he wouldn't answer due to possible additional criminal charges. Who in their right mind would do business with Bella Homes knowing about the following???:

499

500

501

502

Soapboxmom
And therein lies the reason scum like this guy and Bowdoin don't reveal their criminal past when dealing with prospective suckers...errr marks....errr customers...!

Soapboxmom
12-30-2011, 07:41 PM
Notice all the folks tied to this address. Bella president Mark Diamond has been hooked up with the Delpianos for some time!


9375 Chandler Bluff
Atlanta (http://www.city-data.com/city/Atlanta-Georgia.html), GA
Find on map >>
Owner: PAUL F JR & MARGARET A CONNORS
Land value: $230,600
Building value: $1,407,100
Total value for property: $1,637,700
Assessments for tax year: 2009
Building area: 7,798 square feet
Land area: 38,184 square feet
Property class: Residential Vacant Lot
Land use: Residential 1 Family
Number of stories: 2
Exterior wall: Masonry & Frame
Basement: Full
Heating: Heat Pump
Fuel: Gas
Heating system: Warm Air
Attic: Unfinished
Year property was built: 1999
Grade: X+
Total number of rooms: 16
Number of bedrooms: 6
Number of family rooms: 2
Number of full bathrooms: 7
Number of half bathrooms: 4

Sales:

Date: 11/08/2001
Price: $0
Old owner: PAMELA L DELPIANO
New owner: TIM WEISSWASSER TR
Date: 12/06/2001
Price: $0
Old owner: TIMOTHY WEISWASSER
New owner: PAMELA L DELPIANO
Date: 12/11/2001
Price: $0
Old owner: MARK DIAMOND
New owner: PAMELA L DELPIANO
Date: 04/08/2003
Price: $0
Old owner: PAMELA L DELPIANO
New owner: TIMOTHY OF THE WEISWASSER TR
Date: 12/12/2003
Price: $0
Old owner: PAMELA DELPIANO
New owner: WEISWASSER TRUSTEE
Date: 12/12/2003
Price: $0
Old owner: TIMOTHY WEISWASSER TRUSTEE
New owner: PAMELA DELPIANO
Date: 01/15/2004
Price: $0
Old owner: PAMELA L DELPIANO
New owner: TIMOTHY WEISWASSER TR
Date: 01/20/2004
Price: $0
Old owner: TIMOTHY WEISWASSER TR
New owner: PAMELA L DELPIANO
Date: 04/05/2004
Price: $0
Old owner: PAMELA L DELPIANO
New owner: TIMOTHY WEISWASSER TR
Date: 04/29/2004
Price: $0
Old owner: PAMELA DELPIANO
New owner: TIMOTHY WEISWASSER TR
Date: 04/29/2004
Price: $0
Old owner: TIMOTHY WEISWASSER TR
New owner: PAMELA DELPIANO
Date: 04/04/2006
Price: $0
Old owner: PAMELA L DELPIANO
New owner: WASHINGTON MUTUAL BANK FA
Date: 04/04/2006
Price: $2,800,000
Old owner: PAMELA L DELPIANO
New owner: WASHINGTON MUTUAL BANK FA
Date: 08/01/2006
Price: $1,814,000
Old owner: WASHINGTON MUTUAL BANK
New owner: PAUL F CONNORS JR


Read more: Property valuation of Chandler Bluff, Atlanta, GA: 9305, 9315, 9320, 9325, 9330, 9335, 9340, 9355, 9365, 9375 (tax assessments) (http://www.city-data.com/fulton-county/C/Chandler-Bluff-2.html#ixzz1i4HGkfXo)

barefoot
12-30-2011, 07:54 PM
I emailed Rod yesterday. Tomorrow when I have time I will copy and paste the emails between Rod and myself. He did not straight out answer my questions.

Soapboxmom
12-30-2011, 08:33 PM
Last Name
First Name / MI
SPN #
Birth Date
Age At Booking
Released


DELPIANO
PAMELA LENORA
X0314537
03-JUL-71
33
08-JUL-05


Arrested: 01-JUL-05 Released: 08-JUL-05 Arresting Officer: NIX Badge: 182 Agency: GA BUREAU OF INVESTIGATION Arrest Number: None


*Booking No: 0276559 (http://www.ojs.dekalbga.org/pls/portal30/url/page/OJS_JAIL_CHARGES_COMPARISION?dcms.bookin_no=027655 9&dcms.case_id=D0167087&dcms.pidm=4743693) Booked-In: 01-JUL-05 12:12 AM Booked-Out: 08-JUL-05 07:24 PM Booking Photo


* Click on Booking Number to compare charges between the Jail system and Court System.












Inmate's Personal Information at Time of Booking











DELPIANO, PAMELA LENORA
Height:
65
Race:
White


3915 MERRIWEATHER WOODS
Weight:
107 LBS
Sex:
Female


ALPHARETTA, GA
Hair Color:
Brown
Complex:
---



Eye Color:















Inmate's Related Cases











Case ID
Description
Filing Date
Status


D0167087 (http://www.ojs.dekalbga.org/pls/portal30/url/page/ojs_cr_case_details?dcms.case_id=D0167087&dcms.ent_code=COURTS)
SUTTLE
04-JUL-05
Open

























Inmate's Bond Information











Bond ID
Date Set
Amount
Description
Date Posted
Posted By
Special Conditions
Cash Alt.?


796895
08-JUL-05
$0

08-JUL-05
50 - FREE AT LAST BAIL BOND
Additional Details
No


796896
08-JUL-05
$0

08-JUL-05
50 - FREE AT LAST BAIL BOND
Additional Details
No


796897
08-JUL-05
$0

08-JUL-05
50 - FREE AT LAST BAIL BOND
Additional Details
No


796898
08-JUL-05
$80,000

08-JUL-05
50 - FREE AT LAST BAIL BOND
Additional Details
No
















Inmate's Detainer Information











Complaint #
Detainer Charges
Complaint Date
Issuing Agency
Complaint Released?
Release Date/Time



SOID
01-JUL-05

Yes
06-JUL-05 04:41:16 PM



LARCENY
01-JUL-05
NEVADA
Yes
01-JUL-05 01:36:46 PM













Inmate's Booking Details










Last Name
First Name / MI
SPN #
Birth Date
Age At Booking
Released


DELPIANO
DANIEL DAVID
X0314545
05-JUN-59
46
08-JUL-05


Arrested: 01-JUL-05 Released: 08-JUL-05 Arresting Officer: JONES Badge: 109 Agency: GA BUREAU OF INVESTIGATION Arrest Number: None


*Booking No: 0276575 (http://www.ojs.dekalbga.org/pls/portal30/url/page/OJS_JAIL_CHARGES_COMPARISION?dcms.bookin_no=027657 5&dcms.case_id=D0167087&dcms.pidm=4743721) Booked-In: 01-JUL-05 02:57 AM Booked-Out: 08-JUL-05 06:52 PM


* Click on Booking Number to compare charges between the Jail system and Court System.














Inmate's Personal Information at Time of Booking










DELPIANO, DANIEL DAVID
Height:
71
Race:
White


10450 BELLADRUM
Weight:
170 LBS
Sex:
Male


ALPHARETTA, GA
Hair Color:
Black
Complex:
---



Eye Color:
Brown














Inmate's Related Cases










Case ID
Description
Filing Date
Status


D0167087 (http://www.ojs.dekalbga.org/pls/portal30/url/page/ojs_cr_case_details?dcms.case_id=D0167087&dcms.ent_code=COURTS)
SUTTLE
04-JUL-05
Open
























Inmate's Bond Information










Bond ID
Date Set
Amount
Description
Date Posted
Posted By
Special Conditions
Cash Alt.?


796913
08-JUL-05
$100,000

08-JUL-05
99 - ATLANTA DEKALB BOND COMPANY
Additional Details
No













Inmate's Detainer Information








Complaint #
Detainer Charges
Complaint Date
Issuing Agency
Complaint Released?
Release Date/Time



SOID
01-JUL-05

Yes
07-JUL-05 09:58:58 PM

Soapboxmom
12-30-2011, 08:45 PM
Criminal Case Information
















Case:
D0167087 ( Open )
SUTTLE


Filing Date:
07/04/2005
Type: District Attorney Criminal


Judge:




















































Party
Type


SUTTLE, KOTA CHALFANT
Defendant


GARDNER, FREDERICK A
Defendant


FAGLIER, KARNA JEAN
Defendant


DELPIANO, PAMELA LENORA
Defendant


FAGLIER, HARVEY LARRY
Defendant


DELPIANO, DANIEL DAVID
Defendant


HALL, A.
Asst. District Attorney


NIX, C. W.
State'S Witness






































Warrant
No.
Seq
No.
Maint.
Code
Charge Level / Code
and Description
Offense
Date
Disposition
Desc
Disposition
Date
Sentence
Description
Sentence
Length
Start
Date


SUTTLE, KOTA CHALFANT (Released) click here for bond information Booking Link: 0276556 (http://www.ojs.dekalbga.org/pls/portal30/url/page/JAIL_INMATE_DETAILS?dcms.spn_num=X0314534&dcms.sysid=891905&dcms.bookin_num=0276556&dcms.case_id=D0167087&dcms.pidm=4743687) SPN Link : X0314534 (http://www.ojs.dekalbga.org/pls/portal30/url/page/jail_search_results?dcms.spn_num=X0314534)


05W12944
1
--


F
16-14-4-RICO ACT/RACKET/CORRUPT ORG



30-JUN-05







05W12943
2
--


F
2699-FRAUD-



30-JUN-05







05W12945
3
--


F
2699-FRAUD-



30-JUN-05







---
4
--


F
2699-FRAUD-



30-JUN-05







GARDNER, FREDERICK A (Released) click here for bond information Booking Link: 0276557 (http://www.ojs.dekalbga.org/pls/portal30/url/page/JAIL_INMATE_DETAILS?dcms.spn_num=X0314535&dcms.sysid=891906&dcms.bookin_num=0276557&dcms.case_id=D0167087&dcms.pidm=4743689) SPN Link : X0314535 (http://www.ojs.dekalbga.org/pls/portal30/url/page/jail_search_results?dcms.spn_num=X0314535)


05W12950
1
--


F
16-14-4-RICO ACT/RACKET/CORRUPT ORG



30-JUN-05







---
2
--


F
2699-FRAUD-



30-JUN-05







---
3
--


F
2699-FRAUD-



30-JUN-05







---
4
--


F
2699-FRAUD-



30-JUN-05







FAGLIER, KARNA JEAN (Released) click here for bond information Booking Link: 0276558 (http://www.ojs.dekalbga.org/pls/portal30/url/page/JAIL_INMATE_DETAILS?dcms.spn_num=X0314536&dcms.sysid=891907&dcms.bookin_num=0276558&dcms.case_id=D0167087&dcms.pidm=4743691) SPN Link : X0314536 (http://www.ojs.dekalbga.org/pls/portal30/url/page/jail_search_results?dcms.spn_num=X0314536)


05W12940
1
--


F
16-14-4-RICO ACT/RACKET/CORRUPT ORG



01-APR-05
NOT PRESENTED TO GRAND JURY
14-DEC-05





05W12940
2
--


F
2699-FRAUD-



01-APR-05
NOT PRESENTED TO GRAND JURY
14-DEC-05





---
3
--


F
2699-FRAUD-



01-APR-05
NOT PRESENTED TO GRAND JURY
14-DEC-05





---
4
--


F
2699-FRAUD-



01-APR-05
NOT PRESENTED TO GRAND JURY
14-DEC-05





DELPIANO, PAMELA LENORA (Released) click here for bond information Booking Link: 0276559 (http://www.ojs.dekalbga.org/pls/portal30/url/page/JAIL_INMATE_DETAILS?dcms.spn_num=X0314537&dcms.sysid=891908&dcms.bookin_num=0276559&dcms.case_id=D0167087&dcms.pidm=4743693) SPN Link : X0314537 (http://www.ojs.dekalbga.org/pls/portal30/url/page/jail_search_results?dcms.spn_num=X0314537)


05W12939
1
--


F
16-14-4-RICO ACT/RACKET/CORRUPT ORG



01-APR-05
NOT PRESENTED TO GRAND JURY
13-SEP-07





---
2
--


F
2699-FRAUD-



01-APR-05
NOT PRESENTED TO GRAND JURY
13-SEP-07





---
3
--


F
2699-FRAUD-



01-APR-05
NOT PRESENTED TO GRAND JURY
13-SEP-07





---
4
--


F
2699-FRAUD-



01-APR-05
NOT PRESENTED TO GRAND JURY
13-SEP-07





FAGLIER, HARVEY LARRY (Released) click here for bond information Booking Link: 0276560 (http://www.ojs.dekalbga.org/pls/portal30/url/page/JAIL_INMATE_DETAILS?dcms.spn_num=X0314538&dcms.sysid=891910&dcms.bookin_num=0276560&dcms.case_id=D0167087&dcms.pidm=4743695) SPN Link : X0314538 (http://www.ojs.dekalbga.org/pls/portal30/url/page/jail_search_results?dcms.spn_num=X0314538)


05W12956
1
--


F
16-14-4-RICO ACT/RACKET/CORRUPT ORG



30-JUN-05







---
2
--


F
2699-FRAUD-



30-JUN-05







---
3
--


F
2699-FRAUD-



30-JUN-05







---
4
--


F
2699-FRAUD-



30-JUN-05







DELPIANO, DANIEL DAVID (Released) click here for bond information Booking Link: 0276575 (http://www.ojs.dekalbga.org/pls/portal30/url/page/JAIL_INMATE_DETAILS?dcms.spn_num=X0314545&dcms.sysid=891926&dcms.bookin_num=0276575&dcms.case_id=D0167087&dcms.pidm=4743721) SPN Link : X0314545 (http://www.ojs.dekalbga.org/pls/portal30/url/page/jail_search_results?dcms.spn_num=X0314545)


05W12949
1
--


F
16-14-4-RICO ACT/RACKET/CORRUPT ORG



01-APR-05







---
2
--


F
2699-FRAUD-



01-APR-05







---
3
--


F
2699-FRAUD-



01-APR-05







---
4
--


F
2699-FRAUD-



01-APR-05

Sharon B
12-30-2011, 09:42 PM
An incredibly wonderful birdy has been sending me very fascinating court documents. Daniel David Delpiano spent time in prison and was deposed in a civil case related to the criminal complaints while still behind bars. That scum plead the fifth for every question put to him by that attorney in the civil case. She had the right to ask the judge order him to answer. Delpiano admitted he wouldn't answer due to possible additional criminal charges. Who in their right mind would do business with Bella Homes ....???:
Soapboxmom

Hi SBM - It's me again attempting to set our thread's "facts" straight for our readers...It has been stated several times by Bella defenders over the net that the Daniel David Delpiano that you've presented court docs on is not the same Delpiano who has a leadership position at Bella Homes, LLC. What was further exposed however, was that the 20 something Delpiano who is a "director" (or some such position) happens to have had a shared home address with the senior (convicted felon) Delpiano. The summarized logical conclusion that many of us made is that the junior Delpiano is the senior Delpiano's son (or some such close relative). I think anyone with 1/10th of a brain can figure out who TRULY is a "director" of Bella and I'd say it is safe to say it ISN'T the 20 something Delpiano. Thus we head back all fingers pointing to the convicted felon Delpiano who seems capable of orchestrating fraud behind bars....and thus I completely concur with your ending summary question above.

laidback
12-30-2011, 09:50 PM
Now thems some right classy people right there....! Bet they looked spiffy in orange jumpsuits!

Soapboxmom
12-30-2011, 10:37 PM
Hi SBM - It's me again attempting to set our thread's "facts" straight for our readers...It has been stated several times by Bella defenders over the net that the Daniel David Delpiano that you've presented court docs on is not the same Delpiano who has a leadership position at Bella Homes, LLC. What was further exposed however, was that the 20 something Delpiano who is a "director" (or some such position) happens to have had a shared home address with the senior (convicted felon) Delpiano. The summarized logical conclusion that many of us made is that the junior Delpiano is the senior Delpiano's son (or some such close relative). I think anyone with 1/10th of a brain can figure out who TRULY is a "director" of Bella and I'd say it is safe to say it ISN'T the 20 something Delpiano. Thus we head back all fingers pointing to the convicted felon Delpiano who seems capable of orchestrating fraud behind bars....and thus I completely concur with your ending summary question above.
Booking in Dekalb County Georgia for fraud:




DELPIANO, DANIEL DAVID
Height:
71
Race:
White


10450 BELLADRUM
Weight:
170 LBS
Sex:
Male


ALPHARETTA, GA
Hair Color:
Black
Complex:
---



Eye Color:
Brown





Pamela L Delpiano

10450 Belladrum
Alpharetta, GA 30022-5132



Age:
35-39


Associated:
Danel D Delpiano, Amber K Delpiano






Bella Homes


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10450 Belladrum Alpharetta, GA 30022
(770) 663-4562
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http://dev.virtualearth.net/REST/v1/Imagery/Map/road/34.035281999999995,-84.224329/14?mapSize=232,120&key=AvywRF9yh19kJ4a3U8VMD9WNDaFbSAhm6y9Vd1h-ucK4xIpRqeI6GhN3xKVgQtNU

http://static.merchantcircle.com/static/imgs/consumer/globe.png (http://www.merchantcircle.com/corporate/)
Since we can prove that Daniel David Delpiano's wife, Pamela, resided at what was Bella homes first corporate address, I think we can easily prove the deluded defenders wrong on that one. Daniel also gave that as his home address when he was booked in Georgia for fraud. His wife also resided at a home owned, in a ping pong game of ownership between her and others, by Mark Diamond that was the address on the United States Attorney Information Delpiano 1.pdf (http://www.realscam.com/attachments/f15/499d1325288220-bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-delpiano-1.pdf) . So, I have no doubt that the convicted felon, Daniel David Delpiano, is our Bella Homes man. Court records and Zabasearch sure come in handy!

Soapboxmom

Magic_Muffin
12-31-2011, 02:35 AM
Booking in Dekalb County Georgia for fraud:



Since we can prove that Daniel David Delpiano's wife, Pamela, resided at what was Bella homes first corporate address, I think we can easily prove the deluded defenders wrong on that one. Daniel also gave that as his home address when he was booked in Georgia for fraud. His wife also resided at a home owned, in a ping pong game of ownership between her and others, by Mark Diamond that was the address on the United States Attorney Information Delpiano 1.pdf (http://www.realscam.com/attachments/f15/499d1325288220-bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-delpiano-1.pdf) . So, I have no doubt that the convicted felon, Daniel David Delpiano, is our Bella Homes man. Court records and Zabasearch sure come in handy!

Soapboxmom

I like all the references to Mark S. Diamond in the paperwork, especially the 2009 deposition where on page 18 he is referenced. That goes a lot towards how close their relationship continues to be. As far as the past attempts to say the Delpianos are different, well they are. One is the felon dad while the other is the felons son. It does not change the fact that they had the same address at 10450 Belladrum, that he is barely old enough to drink and is somehow the "director" of a company with questionable connections and shady business "model". The connections are quite clear. One of the things I have mentioned here and also pointed that other site is this: THERE IS NO HEDGE FUND BACKING. The minute any fund does a background check on Mark S. Diamond and/or the younger Delpiano, the criminal record of the older Delpiano and his wife will show up and that will be it.

There is no way a fund would back the group knowing the fraud perpetrated on MicroFinancial Inc for $12M and knowing there is another $20M+ in judgments against him.

Soapboxmom
12-31-2011, 09:32 AM
I like all the references to Mark S. Diamond in the paperwork, especially the 2009 deposition where on page 18 he is referenced. That goes a lot towards how close their relationship continues to be. As far as the past attempts to say the Delpianos are different, well they are. One is the felon dad while the other is the felons son. It does not change the fact that they had the same address at 10450 Belladrum, that he is barely old enough to drink and is somehow the "director" of a company with questionable connections and shady business "model". The connections are quite clear. One of the things I have mentioned here and also pointed that other site is this: THERE IS NO HEDGE FUND BACKING. The minute any fund does a background check on Mark S. Diamond and/or the younger Delpiano, the criminal record of the older Delpiano and his wife will show up and that will be it.

There is no way a fund would back the group knowing the fraud perpetrated on MicroFinancial Inc for $12M and knowing there is another $20M+ in judgments against him.


http://m1.licdn.com/mpr/mpr/shrink_100_100/p/1/000/0dc/155/1d4c818.jpg (http://m2.licdn.com/media/p/1/000/0dc/155/1d4c818.jpg)
David Delpiano

Director Of Acquisitions at Bella Homes
Greater Atlanta Area (http://www.linkedin.com/search?search=&sortCriteria=R&keepFacets=true&facet_G=us%3A52&goback=%2Efps_PBCK_*1_David_Delpiano_*1_*1_*1_*1_* 2_*1_Y_*1_*1_*1_false_1_R_*1_*51_*1_*51_true_*2_*2 _*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_* 2_*2_*2) Real Estate (http://www.linkedin.com/search?search=&industry=44&sortCriteria=R&keepFacets=true&goback=%2Efps_PBCK_*1_David_Delpiano_*1_*1_*1_*1_* 2_*1_Y_*1_*1_*1_false_1_R_*1_*51_*1_*51_true_*2_*2 _*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_* 2_*2_*2)
Current

Director Of Acquisitions at Bella Homes

Education

Michigan State University

Recommendations 1 person has recommended David
Connections 91 connections
Websites

Company Website (http://www.linkedin.com/redirect?url=http%3A%2F%2Fbellahomesllc%2Enet&urlhash=bm3W)
Company Website (http://www.linkedin.com/redirect?url=http%3A%2F%2Fwhybellahomes%2Ecom&urlhash=aWOH)

Public Profile David Delpiano | LinkedIn (http://www.linkedin.com/pub/david-delpiano/38/469/343)


Share (http://www.linkedin.com/forwardProfileMsg?displayCreate=&profileID=132519075&profileName=David+Delpiano&network=I&authToken=aOdN&authType=NAME_SEARCH&goback=%2Efps_PBCK_*1_David_Delpiano_*1_*1_*1_*1_* 2_*1_Y_*1_*1_*1_false_1_R_*1_*51_*1_*51_true_*2_*2 _*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_*2_* 2_*2_*2%2Enpv_132519075_*1_*1_NAME*4SEARCH_aOdN_*1 _en*4US_*1_*1_*1_c3b9a3bf*5a64c*54d7e*5b471*5c50db c84748c*50_2_3_ps_*1_*1_*1_*1_*1_*1_*1&trk=prof-0-ab-share-0)
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Summary


David Delpiano has been a Director of Acquisitions at Bella Homes for over a year, purchasing Real Estate around the Country. Bella Homes, LLC was established for the sole purpose of purchasing residential and commercial properties and mortgages from lenders and thereafter offering them as lease-back opportunities to qualified homeowners or, in their absence, for lease to the general public.
Specialties

Business Growth, Development/Expansion, Operational Effectiveness/Execution, Marketing, Organizational/Team Structuring, Enterprise Vision, Strategic Planning/Execution, Financing, Capital Fundraising,



Contact David for:







The only address on Zabasearch (which usually has long exhaustive lists for individuals) for the lad is Bella's first office address which apparently he shared with dad and stepmom? judging from their ages.





DAVID DELPIANO (http://www.zabasearch.com/maps/index.php?sname1=DAVID%20DELPIANO&sname=DAVID%20DELPIANO&first=DAVID&last=DELPIANO&middle=&state=GA&address=10450+BELLADRUM&city=ALPHARETTA&zipcode=30022&&cm=&cy=&phone=&int_var=3) More Info on DAVID DELPIANO (http://www.intelius.com/redir.php?refer=2961&adword=ZABA.PS.RESULTS.MOREINFO&qf=DAVID&qn=DELPIANO&qs=GA&qc=ALPHARETTA&qa=10450+BELLADRUM) Check for Email Address (http://www.intelius.com/redir.php?refer=2961&adword=ZABA.PS.RESULTS.EMAIL&qf=DAVID&qn=DELPIANO&qc=ALPHARETTA&qs=GA) Google (http://www.zabasearch.com/redirects/greenlink_redir.php?fn=DAVID&mi=&ln=DELPIANO)
10450 BELLADRUM Neighborhood & Property Report (http://www.zabasearch.com/redirects/addresslink_redir.php?sname1=DAVID%20DELPIANO&sname=DAVID%20DELPIANO&first=DAVID&last=DELPIANO&middle=&state=GA&address=10450+BELLADRUM&city=ALPHARETTA&zipcode=30022&&cm=&cy=&phone=)
ALPHARETTA, GA 30022 (http://www.zabasearch.com/query1_process.php?sname=30022) Confirm Current Phone & Address (http://www.intelius.com/redir.php?refer=2961&adword=ZABA.PS.RESULTS.PHONEADDRESS&qf=DAVID&qn=DELPIANO&qc=ALPHARETTA&qs=GA) Is This You? Claim Your Profile (http://www.truerep.com/?refer=8268)
Background Check on DAVID DELPIANO (http://www.ussearch.com/search/start.cgi?adID=204-0000000003&searchFName=DAVID&searchLName=DELPIANO&searchCity=ALPHARETTA&searchState=GA)





Young David is clearly a public face, but Daniel David and Pamela Lenore Delpiano appear to be tangled up in this and I suspect the youngster is something akin to a puppet. That boy is barely out of his diapers. That kid is making a huge mistake fronting for this considering what a mess his daddio has gotten himself into! I think the fact headquarters for Bella Homes was at Dad's until it ended up on the foreclosure list says it all:




Details (http://records.foreclosure.com/search.html?st=GA&z=30022&cno=121&pg=2&listingid=28601877)
http://d2fhxcx29yssgj.cloudfront.net/content/img/icon-camara-photo.gif
Active
05-20-11
Rent To Own
Belladrum (http://records.foreclosure.com/search.html?st=GA&z=30022&cno=121&pg=2&listingid=28601877)
Alpharetta
GA
30022
6 / 8
$4,700,000
$3,532,100 (http://records.foreclosure.com/zp.html)
SF
http://d2fhxcx29yssgj.cloudfront.net/css/img/icon_point_yellow.gif (http://records.foreclosure.com/search.html?st=GA&z=30022&cno=121&pg=2#map)




Again, where was that whopping hedge fund to save headquarters????

Soapboxmom

Soapboxmom
12-31-2011, 11:49 AM
The traffic for Bella Homes is taking a veritable nosedive:

504
And I notice the search results on Youtube seem to be at least two months old. I suspect the reps are bailing this Titanic like crazy! That perhaps explains their desperation to remove the Scam.com threads and advertise on that dump.

Soapboxmom

Soapboxmom
12-31-2011, 12:01 PM
https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_n.jpg (https://www.facebook.com/media/set/?set=a.102166396557280.2587.100002917595332&type=1)



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Pages

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Daniel David Delpiano




own bussiness at Bella Homes, LLC - MLM division (https://www.facebook.com/pages/Bella-Homes-LLC-MLM-division/284350001580188)

Studied at Georgia Tech

(https://www.facebook.com/georgiatech)Lives in Alpharetta, Georgia (https://www.facebook.com/pages/Alpharetta-Georgia/105775436121898)

Married

From Atlanta, Georgia (https://www.facebook.com/pages/Atlanta-Georgia/107991659233606)

Work and Education
https://fbcdn-profile-a.akamaihd.net/static-ak/rsrc.php/v1/ym/r/t6iv9Q7G_NF.png (https://www.facebook.com/pages/Bella-Homes-LLC-MLM-division/284350001580188)Bella Homes, LLC - MLM division (https://www.facebook.com/pages/Bella-Homes-LLC-MLM-division/284350001580188)




own bussiness · Apr 2010 to present · Alpharetta, Georgia
Mortgage Business









https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/162016_251841205227_3451074_q.jpg (https://www.facebook.com/georgiatech)Georgia Tech (https://www.facebook.com/georgiatech)
Class of 1982









https://fbcdn-profile-a.akamaihd.net/static-ak/rsrc.php/v1/yy/r/v8doHqXa0TN.png (https://www.facebook.com/pages/Alpharetta-High-School/109424535742968)Alpharetta High School (https://www.facebook.com/pages/Alpharetta-High-School/109424535742968)









Philosophy






Bella Homes, LLC is the result of a collaboration of some of the best legal minds in the nation and is founded upon the fundamental principle that families, not banks, should own homes. We proudly stand out as an ethical and legitimate alternative to those less credible companies whose predatory tactics do nothing but exploit the homeowner’s financial predicament.







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Arnold Schwarzenegger

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Ronald Reagan

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Bernard Lawrence "Bernie" Madoff

(https://www.facebook.com/pages/Bernard-Lawrence-Bernie-Madoff/102893769751676)
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President George W. Bush

(https://www.facebook.com/pages/President-George-W-Bush/149580451769591)
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George W. Bush

(https://www.facebook.com/georgewbush)









Activities and Interests








https://s-external.ak.fbcdn.net/safe_image.php?d=AQCBre9NkmVN7Hhh&w=50&h=50&url=http%3A%2F%2Fupload.wikimedia.org%2Fwikipedia% 2Fcommons%2Fthumb%2F5%2F5a%2FEuromoenterogsedler.j pg%2F720px-Euromoenterogsedler.jpg&crop&fallback=hub_likes&prefix=q (https://www.facebook.com/pages/Money/112422112103820)Money (https://www.facebook.com/pages/Money/112422112103820)







Show Other Pages (https://www.facebook.com/profile.php?id=100002917595332&sk=info#)







Basic Information



Owner of Bella Homes, LLC - MLM division





Women





Married





Male







Contact Information






http://www.whybellahomes.com (http://www.whybellahomes.com/)
http://bellahomesllc.net (http://bellahomesllc.net/)
Bella Homes (http://bellahomesreview.com/)






Facebook © 2011 · English (US) (https://www.facebook.com/ajax/intl/language_dialog.php?uri=https%3A%2F%2Fwww.facebook .com%2Fpeople%2FDaniel-David-Delpiano%2F100002917595332)

Soapboxmom
12-31-2011, 12:05 PM
Daniel David Delpiano


own bussiness at Bella Homes, LLC - MLM division (https://www.facebook.com/pages/Bella-Homes-LLC-MLM-division/284350001580188)

Studied at Georgia Tech

(https://www.facebook.com/georgiatech)Lives in Alpharetta, Georgia

(https://www.facebook.com/pages/Alpharetta-Georgia/105775436121898)MarriedFrom Atlanta, Georgia (https://www.facebook.com/pages/Atlanta-Georgia/107991659233606)

Wall

https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332) added a new photo.



https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/s320x320/312552_112207642219822_100002917595332_91589_35129 3752_n.jpg (https://www.facebook.com/photo.php?fbid=112207642219822&set=a.102182003222386.2613.100002917595332&type=1&ref=nf)


Share (https://www.facebook.com/ajax/sharer/?s=2&appid=2305272732&p[0]=100002917595332&p[1]=91589) · September 22 at 12:33pm ·
https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332) added a new photo.

https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-snc7/s320x320/309393_112207245553195_100002917595332_91576_55430 0974_n.jpg (https://www.facebook.com/photo.php?fbid=112207245553195&set=a.102182003222386.2613.100002917595332&type=1&ref=nf)


Share (https://www.facebook.com/ajax/sharer/?s=2&appid=2305272732&p[0]=100002917595332&p[1]=91576) · September 22 at 12:33pm ·
https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332)


Chirbit - Rick Walsh - BellaHomesLLC - share audio easily (http://chirb.it/2GAPbc)

https://s-external.ak.fbcdn.net/safe_image.php?d=AQBEQY7Bn6ZCIy2b&w=130&h=130&url=http%3A%2F%2Fchirb.it%2Fchirbit_fbpic.png (http://chirb.it/2GAPbc)Chirbit [BellaHomesLLC] Rick Walsh (http://chirb.it/2GAPbc)
chirb.itAudio: Rick Walsh Bella Homes



Share (https://www.facebook.com/ajax/sharer/?s=99&appid=2309869772&p[0]=100002917595332&p[1]=240965632616053) · September 17 at 1:46pm ·

Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332) likes this.


https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332) FunnySeptember 17 at 1:46pm
Kate Vince (https://www.facebook.com/videotalk) scams (http://www.scam.com/showthread.php?t=142156)September 26 at 1:40pm




https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332)


Mark Diamond

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Share (https://www.facebook.com/ajax/sharer/?s=2&appid=2305272732&p[0]=100002917595332&p[1]=10447) · September 7 at 10:46pm ·

Kate Vince (https://www.facebook.com/videotalk) likes this.


Kate Vince (https://www.facebook.com/videotalk) scams (http://www.scam.com/showthread.php?t=142156)September 26 at 1:41pm




https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332)


Thanks Mark Diamond, Rick Walsh and Sunil Wadhwa for standing by me. We will WIN!
$$

Share (https://www.facebook.com/ajax/sharer/?s=22&appid=25554907596&p[0]=100002917595332&p[1]=102192796554640) · September 7 at 10:43pm ·

Lauren Caruso (https://www.facebook.com/laurencaruso56) likes this.


https://fbcdn-profile-a.akamaihd.net/hprofile-ak-snc4/275897_100002917595332_557384480_q.jpg (https://www.facebook.com/profile.php?id=100002917595332)Daniel David Delpiano (https://www.facebook.com/profile.php?id=100002917595332) added a new photo.

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Share (https://www.facebook.com/ajax/sharer/?s=2&appid=2305272732&p[0]=100002917595332&p[1]=10386) · September 7 at 10:14pm ·
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Share (https://www.facebook.com/ajax/sharer/?s=2&appid=2305272732&p[0]=100002917595332&p[1]=10383) · September 7 at 10:14pm ·

Kate Vince (https://www.facebook.com/videotalk) likes this.


Kate Vince (https://www.facebook.com/videotalk) scams (http://www.scam.com/showthread.php?t=142156)September 26 at 1:41pm



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Soapboxmom
12-31-2011, 12:26 PM
Daniel Delpiano12-8-20065:00 PM

Personal Information
Hillsborough County (http://florida.arrests.org/Hillsborough/)

http://florida.arrests.org/mugs/Hillsborough/2006/06081352.jpg (http://florida.arrests.org/Arrests/Daniel_Delpiano_2144981/)








Daniel David Delpiano


Age
: 47 Years Old
Sex
: M


Birth Date
: 6-5-1959
Race
: W


Weight
: 175 lbs
Eye Color
: BRO


Height
: 5'04"
Hair Color
: GRN




Block
: Club Ct


Birth Place
: MI
City
: ALPHARETTA, GA


Occupation
: SELF EMPLOYED REAL ESTATE
Zip
: 30005






Arrest Information








Arrest Date
: 12-8-2006
Arrested By
: USM


Time Booked
: 17:00




Arrest Location
: 1201 ORIENT RD, Hillsbourgh, FL



Charges


http://florida.arrests.org/resources/images/arr3.png
Charge 1



http://florida.arrests.org/resources/images/arr1.png STATUTE: USCA0024
http://florida.arrests.org/resources/images/arr1.png CHARGE: FEDERAL RULE VIOLATION
http://florida.arrests.org/resources/images/arr1.png NOTES: H/USM US MARSHALL

Soapboxmom
12-31-2011, 12:58 PM
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Wall

(https://www.facebook.com/profile.php?id=1126170028&sk=wall)
Info

(https://www.facebook.com/profile.php?id=1126170028&sk=info)
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"wars come and go but my soilders stay eturnal"

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"Drinking Whiskey out the bottle not thinking about tomorrow"

"Pain is weakness leaving the body"

"No Pain, No Gain! Drink Till it Hurts"

"Lets hung it out bitch"

"Boom i am like ******* magic"

"Drive fast, take chances"

"You only live once.. Make it Happen"

"The only thing we have to fear, is fear it self"

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__________________________________________________ _______________________________
David Delpiano's brothers listed here show no relation to Daniel David Delpiano that I have been able to find yet. The only child listed for Daniel Delpiano is his daughter Amber that he mentions in court filings. So, perhaps Daniel is David's uncle or something along that line. More digging should give us a better answer. Young David sure doesn't seem mature enough to be acquiring anything but beer for the next keg party!

Soapboxmom

Soapboxmom
12-31-2011, 01:01 PM
https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/303663_2339957494813_1126170028_4319038_95737209_n .jpg


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David Delpiano (https://www.facebook.com/profile.php?id=1126170028)

My new office..Who said you couldn't have a corner office with out college degree!
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Soapboxmom
12-31-2011, 01:46 PM
Nichole Ashley Weiswasser View Full Results Age:23
Address: Click Here
Location:Northville, MI, Farmington Hills, MI, Ferndale, MI, Atlanta, GA
Possible Relatives:Brandon Weiswasser, Katherine Sue Weiswasser, Katherine Weiswasser, Timothy W Weiswasser
Name Appears As:Nic Weiswasser, Nicole Weiswasser

http://www.realscam.com/f15/bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-953/index3.html#post14156

So little David is friends on Facebook with Nicole and Brandon Weiswasser who are connected to the Timothy Weiswasser that was madly trading ownership of the property above with Pamela Lenore Delpiano. The connections tell the story behind Bella.

Soapboxmom

Soapboxmom
12-31-2011, 01:59 PM
Jeff Wisuri - Network Marketing Pro


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What is Bella Homes LLC?

Thursday, September 1st, 2011 at 11:37 am


Hey I Know You...Welcome Back! If You're Struggling To Get Sign-Ups & Make Money in Your Network Marketing Business... CLICK TO WATCH MY FREE TRAINING! (http://mlsp.co/ca8jc/?t=wwsgd) Thanks For Visiting & Please Come Back Again! - Jeff
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Why Bella Homes?

The housing market is not getting any better, despite the government offering various incentives to the banks. Instead, the banks are getting richer and the general population is no closer to saving their homes because of the interest rates fluctuating and the values of homes dropping like flies. Bella Homes (http://jeffwisuri.com/what-is-bella-homes-llc) is actually looking to do something about all of that.
What exactly is Bella Homes?

Bella isn’t a bank. It doesn’t want to be a bank, either. Instead, they are a company founded on the principle that homes should be owned by families, not banks. If someone is struggling with their mortgage, they have the option of going to Bella for help. Bella will buy the home from them, including the first mortgage, second mortgage and any liens on the house.
http://jeffwisuri.com/wp-content/uploads/2011/09/Dont-let-the-bank-foreclose.png (http://goo.gl/CMgiA)
The family can continue living in the house. They will lease the house back from Bella Homes for three to seven years. At the end of that term, the family is then able to buy back their house as though nothing even happened. Why is Bella doing this? Because it is a win-win situation for everyone. They are working with a bad situation and helping the general population by giving them a solution that actually works. Since the banks aren’t bothering to help most people and foreclosure rates are at an all time high, they focus on solutions.
Is There an Income Opportunity with Bella Homes?

There are referral fees for those who bring clients to Bella Homes. The more people that you bring, the more that you can make. In addition, if you have others start bringing people to Bella, they and you can make some money. It is a great way to earn some extra money in the tight economy and help more people realize that there are better options other than foreclosure and bankruptcy.
Bella Homes will work with the banks to lessen your total amount due during the lease period. As a result, your monthly lease payment will be less than what you were paying for your mortgage. Once you are ready to buy back your house, you will typically do so for a lot less money, helping you to save money throughout the entire transaction.
Is Bella Homes Legitimate?

Everything that they do is completely legal, despite grumblings amongst investors that it is illegal. The reason that they are telling such lies is because Bella is actually saving people money as opposed to the investors that are looking for nothing but a profit out of other people’s misfortunes.
Regardless of where you live, you can take advantage of what Bella is offering. They operate nationwide, which means that there is an office near you. When you have the opportunity to stay in your house and lower your monthly payments, why wouldn’t you opt for this great solution? Foreclosures and bankruptcies can stay with you for as long as 7 years, which is devastating to your credit score. Bella Homes’ option doesn’t affect your credit score and will only help you financially – both now and into the future.
If you or someone you know is looking for a way to earn extra income while helping people who face foreclosure….Click Here (http://goo.gl/CMgiA) to view a information packed webinar on Bella Homes that may just change your life and your pocketbook!

Yours in success,
tel.: 612-287-5530
jeffwisuri@gmail.com
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6 Comments



http://1.gravatar.com/avatar/b68212ead69849045265fb6f35625a60?s=32&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a 11cd5ca435acc9bb6523536%3Fs%3D32&r=G Jay Robald says:
October 19, 2011 at 4:30 pm (http://jeffwisuri.com/what-is-bella-homes-llc/comment-page-1/#comment-3826)
You seem to be a ‘real’ person. You need to google Daniel Delpiano. He is the person running Bella Homes. He is a convicted felon, granted some deserve a second chance but with his history I doubt that the ‘spots’ are going to change. Don’t get caught in the fallout from this program
http://1.gravatar.com/avatar/f497e69636c46ebbb753483242ff6881?s=32&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a 11cd5ca435acc9bb6523536%3Fs%3D32&r=G wizzkidd179 says:
October 20, 2011 at 12:59 pm (http://jeffwisuri.com/what-is-bella-homes-llc/comment-page-1/#comment-3849)
Jay….
That Dan Delpiano who you are referring to has Nothing to do w/Bella Homes. There are quite a few people with that name and the Daniel assoc w/Bella is NOT the one in the mugshots. The guy who was spreading this information has been issued a cease and desist order and the website has been taken down. Bella did a webinar clarifying these facts and took care of the guy that was trying to extort Bella.
http://1.gravatar.com/avatar/332d91294599f941f0728d7afa740305?s=32&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a 11cd5ca435acc9bb6523536%3Fs%3D32&r=G joyce (http://premieradvocates.com/) says:
October 31, 2011 at 5:18 pm (http://jeffwisuri.com/what-is-bella-homes-llc/comment-page-1/#comment-4259)
Jeff, you might want to check on that website again… as of 10/31/11, the website is up (don’t know if it’s the same one, this one is The truth about Bella Homes, LLC and the racist convicted felon (http://www.wix.com/myvideotalk/bellahomes)
http://1.gravatar.com/avatar/f497e69636c46ebbb753483242ff6881?s=32&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a 11cd5ca435acc9bb6523536%3Fs%3D32&r=G wizzkidd179 says:
November 3, 2011 at 10:57 am (http://jeffwisuri.com/what-is-bella-homes-llc/comment-page-1/#comment-4419)
Joyce,
Yes I see that it is, I forwarded the link onto Bella so they can look into this further….thanks:)
http://1.gravatar.com/avatar/736967227ac5d83500d0db873fa335fb?s=32&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a 11cd5ca435acc9bb6523536%3Fs%3D32&r=G Rob Taylor says:
December 13, 2011 at 3:22 pm (http://jeffwisuri.com/what-is-bella-homes-llc/comment-page-1/#comment-6182)
Jeff, I’ve looked into Bella Homes and am a mortgage broker also. While it’s a great idea, Bella hasn’t closed anything back to it’s original owner (as with other companies trying to do the same). Here’s what the FTC has to say…..
If you’re looking for foreclosure prevention help, avoid any business that:
* instructs you not to contact your lender
* encourages you to lease your home so you can buy it back over time
* recommends that you make your mortgage payments directly to it, rather than your lender
* urges you to transfer your property deed or title to it
Bella does all of these things.
http://1.gravatar.com/avatar/f497e69636c46ebbb753483242ff6881?s=32&d=http%3A%2F%2F1.gravatar.com%2Favatar%2Fad516503a 11cd5ca435acc9bb6523536%3Fs%3D32&r=G Jeff Wisuri (http://jeffwisuri.com/) says:
December 13, 2011 at 3:48 pm (http://jeffwisuri.com/what-is-bella-homes-llc/comment-page-1/#comment-6183)
Rob,
I hear your concerns…..I am also looking into the validity of Bella!


Jeff Wisuri can look right here. The felon was Daniel David Delpiano and he clearly gave the address that was the original address of Bella Homes as his home address when he was arrested. It is the same clown that apprently is heading the sleazebag MLM division of this scam.

http://www.realscam.com/f15/bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-953/index3.html#post14159

Whip
12-31-2011, 02:00 PM
Can't believe they have missed the bus and not listed their properities with the propertywikia scam and collected the non-sales money. lol.

Soapboxmom
12-31-2011, 03:55 PM
This just gets funnier and funnier. Now we have a page about Daniel Delpiano that was presumably written by Daniel Delpiano himself. It is so hard for him to tear himself away from that damned mirror:

The List Of Career Achievements Of Dan Del Piano Is Impressi September 15, 2011 By frugalmomoftwo (http://frugalmomoftwo.com/author/frugalmomoftwo/) 2 Comments (http://frugalmomoftwo.com/2011/09/15/the-list-of-career-achievements-of-dan-del-piano-is-impressi/#comments)
Guest Post by Dan Del Piano

The Incredibly Successful Career of Daniel Del Piano
Daniel Del Piano is the epitome of the successful businessman. In his career, Dan Del Piano (http://dandelpiano.com/) has had great accomplishments in many diverse fields, ranging from painting companies to diamond mines to a children’s ministry! As Daniel Del Piano has progressed through his career, he has created success after success by bringing his superior expertise and skill to each new enterprise he has taken on. These successes have made the career of Dan Del Piano truly remarkable.
The Many Career Ventures Of Dan Del Piano
The career of Daniel Del Piano has spanned over 30 years, and the areas he has delved into have run the gamut. Dan Del Piano (http://danieldelpiano.net/) started his career in 1979 with the establishment of a painting business, which he then expanded and sold. Daniel Del Piano then moved into health and fitness, creating a successful chain of fitness clubs and marketing firm. After that, Dan Del Piano (http://danieldelpiano.org/) took on a real estate endeavor and then moved into auto care. The next venture for Daniel Del Piano was a vacation rental club, which he established and then made into a prospering business.
The Next Steps Of Daniel Del Piano





Dan Del Piano may already have an extremely accomplished career, but he is not resting on his laurels. Instead, Daniel Del Piano is continuing to add to his successes by furthering his work in real estate, developing an improved national disaster response plan, creating a new luxury resort for Elvis fans, and even establishing a children’s ministry!

Soapboxmom
12-31-2011, 03:58 PM
Here is a coherent explanation of what led to the Delpianos arrest in Dekalb Georgia:

Tuesday, July 5, 2005
Six more charged in Georgia with mortgage 'flipping' scheme (http://mortgagefraud.squarespace.com/journal/2005/7/5/six-more-charged-in-georgia-with-mortgage-flipping-scheme.html)

Attorney General Thurbert Baker announced this afternoon that six arrests had been made in conjunction with a real estate sting operation involving the sale of former Atlanta Braves outfielder Ron Gant’s home. The home, located in Alpharetta’s Country Club of the South development, was the center of a proposed fraud that would have netted those engaged in the fraud at least $800,000.00 in fraudulent proceeds. The sting operation was conducted jointly between the Office of the Attorney General and the Georgia Bureau of Investigation. The Attorney General’s Office emphasized that Ron Gant and his wife were not party to the fraud and cooperated fully with law enforcement in setting up the sting.


Arrested today were Dan DelPiano, Pam DelPiano, Grant Faglier, Carna Jean Faglier, Kota Suttle and Frederick Gardner. The fraud centered around the Fagliers purchasing the home from the Gants for $2.8 million, and then immediately flipping the home in a pre-arranged deal to the DelPianos using an appraisal that valued the home at $4.9 million. The amount of the loan on the second transaction was to be for $3.6 million, with the initial sale by the Gants to be a cash transaction. Suttle and Gardner are law partners who set up both real estate transactions and acted as closing attorneys.


Attorney General Baker, in announcing the successful sting, praised the mortgage company for bringing this fraud to light and the Gants for assisting in setting up the sting. Baker continued, “Mortgage fraud continues to be a blight on communities ranging from tract houses to subdivisions involving multi-million dollar homes. My office has made preserving the integrity of the real estate market a priority, and we will continue to bust fraud rings whether they are trying to illegally pocket $50,000 or $500,000. Today’s fraud is especially troubling, as the closing attorneys in this transaction who are supposed to safeguard the integrity of the real estate process have been arrested on the belief that they enabled and participated in the fraud.” All six of the individuals have been arrested for three counts of mortgage fraud, which carries a sentence of one to ten years imprisonment. Dan and Pam DelPiano were also charged with one count of racketeering, which carries a sentence of five to twenty years imprisonment. Grant Faglier was also arrested for possession of a firearm during commission of a felony. The Attorney General’s office anticipates more arrests and additional charges against those arrested as the investigation proceeds.


Assistant Attorney General David McLaughlin spearheaded the investigation for the Attorney General’s Office. Special Agents Clay Nix, Boykin Jones, Kelly Bowles, Jack Vickery and Carter Bank of the Georgia Bureau of Investigation and Sergeant JL McCracken and Detective S Jones of the DeKalb Police Department participated in the sting.

Soapboxmom
12-31-2011, 08:58 PM
Bella reps are running around boasting:

.....We are partnered with three major hedge funds and have done thousands of homes. Also no property taxes to pay during lease period!.....

Read more: WE HELP PEOPLE SAVE THEIR HOMES & COMMERCIAL R.E. FROM FORECLOSURE | North Hollywood | eBay Classifieds (Kijiji) | 15920776 (http://losangeles.ebayclassifieds.com/commercial/north-hollywood/we-help-people-save-their-homes-commercial-r-e-from-foreclosure/?ad=15920776#ixzz1iASGdlK4)


Good! Let's have the names of those hedge funds. I don't believe they exist. And, I don't believe they have done thousands of homes. I demand some documentation!

Soapboxmom

Soapboxmom
01-01-2012, 11:05 PM
Delpiano Enterprises, L.L.C.

Updated 10/22/2011 - This profile of Delpiano Enterprises, L.L.C. was created using data from Florida Department of State


http://c209116.r16.cf1.rackcdn.com/public/icons/officer-background.png Company Reports from Dun & Bradstreet (http://www.corporationwiki.com/company-background/a-business-report-is-an-important-decision-making-tool.aspx?id=27699352)











Officers


Equity One Holding, L.L.C. (http://www.corporationwiki.com/Florida/Miami-Beach/equity-one-holding-l-l-c-5461876.aspx)
Andover Consulting Services, Ltd. (http://www.corporationwiki.com/Florida/Miami-Beach/andover-consulting-services-ltd-6964805.aspx)
Gianata Management Corp. (http://www.corporationwiki.com/Florida/Miami-Beach/gianata-management-corp-8992352.aspx)
Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-llc-8705735.aspx)


Connection Visualizer - Click an icon below to explore! (http://www.corporationwiki.com/graphs/roamer.aspx?id=27699352)








Delpiano Enterprises, L.L.C.


http://c209116.r16.cf1.rackcdn.com/public/images/company-icon2.gif (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-l-l-c/27699352.aspx) Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-l-l-c/27699352.aspx) has a location in Alpharetta (http://www.corporationwiki.com/Georgia/Alpharetta/BusinessDirectory.aspx), GA (http://www.corporationwiki.com/Georgia/BusinessDirectory.aspx). Active officers include Andover Consulting Services, Ltd. (http://www.corporationwiki.com/Florida/Miami-Beach/andover-consulting-services-ltd-6964805.aspx), Gianata Management Corp. (http://www.corporationwiki.com/Florida/Miami-Beach/gianata-management-corp-8992352.aspx) and Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-llc-8705735.aspx).



Source:
Florida Department of State last refreshed Saturday, October 22, 2011



Equity One Holding, L.L.C.







Updated 10/22/2011 - This profile of Equity One Holding, L.L.C. was created using data from Florida Department of State


http://c209116.r16.cf1.rackcdn.com/public/icons/officer-background.png Company Reports from Dun & Bradstreet (http://www.corporationwiki.com/company-background/a-business-report-is-an-important-decision-making-tool.aspx?id=17709143)











Officers


Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-l-l-c/27699352.aspx)

Managing Member


Andover Consulting Services, Ltd. (http://www.corporationwiki.com/Florida/Miami-Beach/andover-consulting-services-ltd-6964805.aspx)

Managing Member



Manager (inactive)


Gianata Management Corp. (http://www.corporationwiki.com/Florida/Miami-Beach/gianata-management-corp-8992352.aspx)

Managing Member



Manager (inactive)


Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-llc-8705735.aspx)

Manager (inactive)
Managing Member (inactive)





Connection Visualizer - Click an icon below to explore! (http://www.corporationwiki.com/graphs/roamer.aspx?id=17709143)







http://cas.criteo.com/delivery/lg.php?ckmode=0&bannerid=0&campaignid=0&zoneid=29586&pb=1&bizmodel=0&catCol=0&catId=0&cb=2364345f97&rtb=0&zc=%257cLvQ8R5jeoJsdE%252bpJYywcPA%253d%253d%257c&b=_%25252fLqVauF2f3GKuekfelxxrA%25253d%25253d&bi=%7cLvQ8R5jeoJsiQvEP%2breKa391KAVUBVCojZYiK29kA% 2fsyaqSvrFo1Ug%3d%3d%7c&loc=http%3a%2f%2fwww.corporationwiki.com%2fFlorida %2fMiami-Beach%2fequity-one-holding-l-l-c-5461876.aspx&referer=http%3a%2f%2fwww.corporationwiki.com%2fFlo rida%2fMiami-Beach%2fgianata-management-corp-8992352.aspx&c=ENhbl-l2VN5jDgspGRhfLYWs4h-18QXf&iii=174326277





Equity One Holding, L.L.C.


http://c209116.r16.cf1.rackcdn.com/public/images/company-icon2.gif (http://www.corporationwiki.com/Florida/Miami-Beach/equity-one-holding-l-l-c-5461876.aspx) Equity One Holding, L.L.C. (http://www.corporationwiki.com/Florida/Miami-Beach/equity-one-holding-l-l-c-5461876.aspx) has a location in Miami Beach (http://www.corporationwiki.com/Florida/Miami-Beach/BusinessDirectory.aspx), FL (http://www.corporationwiki.com/Florida/BusinessDirectory.aspx). Active officers include Andover Consulting Services, Ltd. (http://www.corporationwiki.com/Florida/Miami-Beach/andover-consulting-services-ltd-6964805.aspx), Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-l-l-c/27699352.aspx), Gianata Management Corp. (http://www.corporationwiki.com/Florida/Miami-Beach/gianata-management-corp-8992352.aspx) and Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-llc-8705735.aspx).



Filings:
Florida Limited Liability (FL - Inactive)




Source:
Florida Department of State last refreshed Saturday, October 22, 2011





http://c209116.r16.cf1.rackcdn.com/public/icons/officer-background.png Company Reports from Dun & Bradstreet (http://www.corporationwiki.com/company-background/a-business-report-is-an-important-decision-making-tool.aspx?id=17709143)




http://maps.google.com/maps/api/staticmap?zoom=3&size=200x80&&markers=color:blue%7C5151+Collins+Ave++Miami+Beach +FL+33140&sensor=false (http://www.corporationwiki.com/Florida/Miami-Beach/5151-Collins-Ave-Miami-Beach-FL-33140-a27536.aspx)
5151 Collins Ave
Miami Beach, FL 33140

View nearby businesses (http://www.corporationwiki.com/Florida/Miami-Beach/5151-Collins-Ave-Miami-Beach-FL-33140-a27536.aspx)








Officers at Equity One Holding, L.L.C.
Click on http://c209116.r16.cf1.rackcdn.com/public/images/logo-symbol-xs.png to the left of the name to see the Connection Visualizer.


http://c209116.r16.cf1.rackcdn.com/public/images/logo-symbol-xs.png Andover Consulting Services, Ltd. (http://www.corporationwiki.com/Florida/Miami-Beach/andover-consulting-services-ltd-6964805.aspx)
Managing Member at Equity One Holding, L.L.C.
Miami Beach, FL


http://c209116.r16.cf1.rackcdn.com/public/images/logo-symbol-xs.png Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-l-l-c/27699352.aspx)
Managing Member at Equity One Holding, L.L.C.
Alpharetta, GA


http://c209116.r16.cf1.rackcdn.com/public/images/logo-symbol-xs.png Gianata Management Corp. (http://www.corporationwiki.com/Florida/Miami-Beach/gianata-management-corp-8992352.aspx)
Managing Member at Equity One Holding, L.L.C.
Miami Beach, FL


http://c209116.r16.cf1.rackcdn.com/public/images/logo-symbol-xs.png Delpiano Enterprises, L.L.C. (http://www.corporationwiki.com/Georgia/Alpharetta/delpiano-enterprises-llc-8705735.aspx)

Alpharetta, GA


__________________________________________________ _______________________________
A James W. Shindell, a FL real estate attorney is tangled up in these corporations that all officer for one another. Lots more to explore!

Soapboxmom

Soapboxmom
01-03-2012, 11:38 AM
I have been digging for companies tied to the principals of Bella Homes. Who controls the alleged hedge funds? Who controls the alleged subsidiaries that will take ownership of properties and wipe out the unsuspecting second lien holders?

Soapboxmom

Soapboxmom
01-04-2012, 11:54 AM
In-House Attorney

Hiring Company Industry: Real Estate
Number of Employees: 100 - 1,000 Employees
Total Compensation: DOE
Location: Atlanta, GA

https://cdn.theladders.net/static/images/opal_images/BT5_apply_now.gif (https://law-jobs.theladders.com/job/jobboard?cr=3183129&applyRequest=true)
You will be redirected to TheLadders.com
Job Description
We are a dynamic growing company in Alpharetta, GA that is looking to add a hardworking In-House Attorney to join our team. The In-House Attorney should be a hard worker that is ready to jump into a high volume environment and contribute from day one.

Responsibilities will include but not limited to:



Preparing lawsuit drafts for Attorneys in each state
Managing all attorneys from state to state
Compliance auditing for each states specific rules & regulations
Able to meet deadlines and work in a fast paced environment
Tracking all complaints that are filed



Successful candidates for this position will have the following education and experience:





Expert writing skills is a MUST
Research, analyzing, evaluating legal documents, rules and regulations
Foreclosure laws
Graduation from an accredited school of law and a minimum of two years experience in the practice of law
Experience in litigation is desirable
Real Estate experience is a plus



Job Details

Bella Homes, LLC. is a residential and commercial real estate investment company with a unique focus on distressed properties. Headquartered in Scottsdale, Arizona with offices in Georgia and California.

Our dynamic growing company is looking to add a hardworking Foreclosure Defense Attorney to our Alpharetta, GA office. This individual should be a hard worker that is ready to jump into a high volume environment and contribute from day one.
Responsibilities will include but not limited to:
Audits:


Order and Review forensic mortgage audit, securitization audit, and quiet title to identify violations of State and Federal laws
Review skeleton lawsuit, adapt to State guidelines and add causes of action that are effective with local courts
Consults with senior management to resolve issues and decide settlements

Litigation:


Must have experience in foreclosure defense work
Review all client files after closing to determine strategy/timeline for settlement
Negotiate purchase of mortgages from banks and mortgage companies
Day-to-day responsibilities will include compiling information for court cases, conducting legal research, finding laws or similar court decisions related to pending cases, interpreting laws or legislation explaining government laws or regulations; analyzing data, legal questions and existing evidence or facts; writing legal documents
Work with attorneys on cases through litigation cycle, reviews new files for coverage and liability issues, and develops a cost effective defense strategy
Consults with senior management to resolve issues and decide settlements

Requirements

Successful candidates for this position will have the following education and experience:


Must be a graduate of an accredited law school with at least 5 years of experience and be admitted into the state bar
Foreclosure defense and litigation experience is a MUST!
Real estate and bankruptcy experience needed to successfully perform in this role
Familiar with standard concepts, practices, and procedures within real estate and mortgage industries


Please email a copy of your resume to calderon.c@bellahomesllc.net


I think Bella better get some good attorneys lined up to defend a class action lawsuit(s) that could be filed against them by the distressed homeowners getting burned. MLMing this deal is pure dynamite. MLMers have a long history of exaggerating and completely misrepresenting things in order to make a buck. That is quite likely to come back and haunt Bella.

Magic_Muffin
01-07-2012, 04:56 PM
I think Bella better get some good attorneys lined up to defend a class action lawsuit(s) that could be filed against them by the distressed homeowners getting burned. MLMing this deal is pure dynamite. MLMers have a long history of exaggerating and completely misrepresenting things in order to make a buck. That is quite likely to come back and haunt Bella.

I wondering more about why they are trying to hire these people now? Sounds more like something you would want staffed before you even open your doors considering the ads sound very after the fact. What were they doing up to now?

Soapboxmom
01-08-2012, 02:16 PM
I wondering more about why they are trying to hire these people now? Sounds more like something you would want staffed before you even open your doors considering the ads sound very after the fact. What were they doing up to now?
A wonderful birdy sent me another juicy court case to look at. First thing I did was check out counsel. Bella found some lad who has only been practicing for 4 years to go into federal court. This youngster doesn't have a snowball's chance in hell against the experienced attorneys the banks and mortgage companies have on retainer I would bet. The firms they hire would likely only have a kid like that working as junior counsel to a senior attorney or partner who was in charge of such a case. I know this from personal experience.
Munholland et al v. Wells Fargo Bank National Association as Trustee et al :: Justia Dockets & Filings (http://dockets.justia.com/docket/colorado/codce/1:2011cv03393/130298/)

Munholland et al v. Wells Fargo Bank National Association as Trustee et al http://dockets.justia.com/images/gavel.gif

Share (http://addthis.com/bookmark.php?v=250&username=justia) |


Plaintiffs:
Trisha J. Munholland and Bella Homes, LLC


Defendants:
Wells Fargo Bank National Association as Trustee , JP Morgan Chase Bank N.A. , EMC Mortgage Corporation and Mortgage Electronic Registration Systems, Inc.





Case Number:
1:2011cv03393


Filed:
December 28, 2011





Court:
Colorado District Court


Office:
Denver Office


County:
Douglas


Presiding Judge:
R. Brooke Jackson





Nature of Suit:
Other Statutes - Consumer Credit


Cause:
15:1692 Fair Debt Collection Act


Jurisdiction:
Federal Question


Jury Demanded By:
Plaintiff






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Available Case Documents

The following documents for this case are available for you to view or download.


Date Filed
#
Document Text


January 6, 2012
10 (http://docs.justia.com/cases/federal/district-courts/colorado/codce/1:2011cv03393/130298/10/)
http://dockets.justia.com/images/menu-gavel1.png ORDER TO SET SCHEDULING CONFERENCE: The parties are ordered to set an initial scheduling conference in this Court (with Judge Jackson) no later than 45 days after all responsive pleadings are filed. Please see the order for details, by Judge R. Brooke Jackson on 01/06/2012. (rbjsec. )


Last Document Downloaded: January 7, 2012 03:47:21 PST
Access additional case information on PACER

Use the links below to access additional information about this case on the US Court's PACER system. A subscription to PACER (http://pacer.psc.uscourts.gov/) is required.
Access this case on the Colorado District Court's Electronic Court Filings (ECF) System (https://ecf.cod.uscourts.gov/cgi-bin/iqquerymenu.pl?130298)


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Plaintiff: Trisha J. Munholland
Plaintiff: Bella Homes, LLC


Represented By: Donald T. Emmi (http://lawyers.justia.com/search?query=%C2%A0Donald+T.+Emmi%C2%A0)




Defendant: Wells Fargo Bank National Association as Trustee

Defendant: JP Morgan Chase Bank N.A.








Defendant: Wells Fargo Bank National Association as Trustee


Defendant: Mortgage Electronic Registration Systems, Inc.



Represented By: Adam Leon Hirsch (http://lawyers.justia.com/search?query=%C2%A0Adam+Leon+Hirsch%C2%A0)



















Colorado Attorney Information

http://www.coloradosupremecourt.com/Images/Back%20Arrow%201.gif







Name

Status


Registration /
Bar Number



Emmi, Donald T.

ACTV (http://www.coloradosupremecourt.com/Search/Attdet.asp?Reg=38983#)


38983







Is in Private Practice


Carries Professional Liability Insurance




Yes


Yes





(What does this mean? - Click Here for more information) (http://www.coloradosupremecourt.com/Regulation/PLI_Notice.htm)







Business Information





Phone
Fax



(303)456-5116


(303) 421-4309



Firm Name


WILLIAM J. HUNSAKER, PC


Business Address


4465 KIPLING STREET, SUITE 200





City
State
Zip Code

Admission Date



WHEAT RIDGE
CO
80033

10/22/2007




The banks' counsel is sharp as hell as we can see from the presentations he has been doing:

http://www.srz.com/files/News/dd637fd1-360a-402e-a625-6d8888848553/Presentation/NewsAttachment/89356bdf-e90b-4bfc-b3b8-8539ee9b8c40/filesfilesCook_Hirsch_Fraudulent_Transfers_2008.pd f

His experience with fraudulent transfers may come handy as Bella's rights having been given the title to the property in exchange for rent may prove to be a fascinating issue.

Soapboxmom

Magic_Muffin
01-08-2012, 06:34 PM
Not that it makes a hill of beans difference - while I was on RFP (Bella reseller) company calls they stated specifically that the state of Colorado had been suspended by Bella.."because some resellers were advertising 'Foreclosure Prevention'" (which is strictly forbidden by Bella) which would be the reason for 49 states.

This must be the "one" case Bella got done in Colorado before calling the state off limits.


Bella found some lad who has only been practicing for 4 years to go into federal court. This youngster doesn't have a snowball's chance in hell against the experienced attorneys the banks and mortgage companies have on retainer I would bet.

I did not do a full search, but I did not see his name attached to any other Federal cases. Practicing on a Federal and Appellate level is quite a bit different then the Circuit or District level. He could have his case thrown out for something as simple as not having the pleadings formatted correctly.

I wonder if the other attorney Farkas found this guy as his undergrad degree is from the U of CO?

Sharon B
01-09-2012, 11:56 AM
This must be the "one" case Bella got done in Colorado before calling the state off limits.


Or....the state is no longer off limits...which appears to be the higher likelihood as this case was filed well after they stated Colorado was off limits. Perhaps they fixed what ever it was that was the issue in Colorado....or they didn't fix it and are moving forward anyway! lol

Soapboxmom
01-19-2012, 11:27 AM
Bella is once again using the same arguments that got them laughed out of court or forced them to dismiss their cases in Georgia:

531

532

The way Bella is shooting themselves in the foot with these court cases, I don't think they will be around for long.

Soapboxmom

Whip
01-19-2012, 01:53 PM
I guess they have to keep trying hoping to set precedence and then try to use that in future attempts?

Soapboxmom
01-19-2012, 03:32 PM
I guess they have to keep trying hoping to set precedence and then try to use that in future attempts?
I would compare it to being soused with a beer bong, blinfolded and spun around until producing projectile vomit and then pitching velcro darts at a board a football field away and hoping just one sticks!

Soapboxmom

laidback
01-19-2012, 04:14 PM
I would compare it to being soused with a beer bong, blinfolded and spun around until producing projectile vomit and then pitching velcro darts at a board a football field away and hoping just one sticks!

Soapboxmom
Lemme see here, what was that saying? something about doing the same thing over and over and.........?

Soapboxmom
01-28-2012, 02:51 PM
Now, in one of the most bizarre filings yet, we have Bella Homes suing 1-100 does. Bella is the sole Plaintiff, yet frames the case as if the borrower was hurt by the actions of the mortgage companies. Are those claims Bella is asserting something the previous homeowner / slash tenant they are renting to can even assign to them legally?

Again we have a borrower in default scheduled to be sold as a foreclosure last December. Not surprisingly the note has been sold. The stale argument about the note being robo-signed and transferred improperly is made. <yawn>

The argument the note holder lacks standing to foreclose is made yet again and Bella's attorney contends they have no right to demand payment. Whoa! Bella demands an injunction to prevent the foreclosure from going forward. The usual rant about unfair lending practices ensues. This time the attorney even went so far as to ask for punitive, general, special and compensatory damages.

552

Soapboxmom

Soapboxmom
01-28-2012, 04:10 PM
In this aforementioned case the Defendants have asked to have the case removed to federal court. This should be quite interesting to follow:

553[

554

555

Magic_Muffin
01-30-2012, 12:52 PM
In this aforementioned case the Defendants have asked to have the case removed to federal court. This should be quite interesting to follow:

Bringing it to federal court is the best thing to do for the mortgage company. It is the venue where Bella has had 0% success and the mortgage company can use all the previous case work to have their case easily handled.

There has to be a point where the courts have enough?

MM

Soapboxmom
01-30-2012, 03:02 PM
Bringing it to federal court is the best thing to do for the mortgage company. It is the venue where Bella has had 0% success and the mortgage company can use all the previous case work to have their case easily handled.

There has to be a point where the courts have enough?

MM
That is an excellent question. I posed it at Quatloos hoping someone with a legal background will weigh in. In the meantime here is what Texas says:
CIVIL PRACTICE AND REMEDIES CODE CHAPTER 11. VEXATIOUS LITIGANTS (http://www.statutes.legis.state.tx.us/Docs/CP/htm/CP.11.htm)

Soapboxmom

Magic_Muffin
01-30-2012, 04:31 PM
That is an excellent question. I posed it at Quatloos hoping someone with a legal background will weigh in. In the meantime here is what Texas says:
CIVIL PRACTICE AND REMEDIES CODE**CHAPTER 11. VEXATIOUS LITIGANTS (http://www.statutes.legis.state.tx.us/Docs/CP/htm/CP.11.htm)

Soapboxmom

Texas is a great state indeed.

Soapboxmom
01-30-2012, 06:49 PM
The latest court filing my birdy sent me will have folks rolling on the floor laughing. Not only did Bella's attorney not properly serve one of the defendants, but when the Defendant made a Motion to Dismiss Bella's attorney did not respond. Classic legal comedy at its finest!

561

Soapboxmom

Sharon B
02-01-2012, 02:00 PM
The latest court filing my birdy sent me will have folks rolling on the floor laughing. Not only did Bella's attorney not properly serve one of the defendants, but when the Defendant made a Motion to Dismiss Bella's attorney did not respond. Classic legal comedy at its finest!

Soapboxmom


Well - in Bella's defense - as I keep saying, their ONE claim to fame is holding up the inevitable foreclosure in the courts for a period of time. Ms. Cooke earned 8 months longer in her home and Bella received 8 months of lease payments! Sounds like a true win-win to me! ............................ :)
NOW - if Bella would simply get their clients and their resellers to understand that this is ALL what they are about then perhaps the future lawsuits for fraud may be kept down to a bare minimum....
Again - I'm not understanding how the heck they are still at it - but somehow, someway they're either on borrowed time - or they are fooling not only clients and resellers but also the authorities.........
Thanks for posting the Cooke Dismissal - it truly is entertaining+very sad....

Soapboxmom
02-01-2012, 02:51 PM
http://www.realscam.com/f15/bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-953/index4.html#post14872

(http://www.realscam.com/f15/bella-homes-george-dranichak-scam-com-sviat-vladimir-sviatoslavich-953/index4.html#post14872)Quatloos! &bull; View topic - Bella Homes Foreclosure Rescue MLM (http://www.quatloos.com/Q-Forum/viewtopic.php?f=5&t=8066&sid=e07279752ad093e6cbed242ce843905a#p134736)

Our dear colleague from Quatloos very kindly answered our questions about Bella and whether they could be labeled vexatious litigants. I am happy to hear that monetary sanctions are quite possible. It is high time this nonsense be brought to a halt. wserra thought the Defendant's latest Motion looked very good. I was impressed with the Defendant's attorney from what I found online. This will be very fun to watch.

I pulled more docs on that Colorado case from PACER. So, I think I have the motion referred to in the post on Quatloos. That attorney Bella is using is in for quite a fight. He might as well get a ski boat and try to raise the Titanic!

Note on pages 19-20 we learn that Bella paid $10.00 for the property and what the Defendant's attorney has to say about that. What Bella is doing is unconscionable to say the least!

570

569




Soapboxmom

Magic_Muffin
02-02-2012, 12:57 AM
Wow, the best things out of the Motion to Dismiss are golden........


Further, when Wells Fargo foreclosed its senior interest in the Property with the Public Trustee and obtained its Confirmation Deed, Bella Homes’s alleged
junior interest in the Property was extinguished pursuant to C.R.S. § 38-38-501 as a matter of law. Under these circumstances, Plaintiffs have no standing to assert any claim for an interest in the Property.

The biggest thing I have been saying (among all the other things that are flawed with their "program") is that they lack standing to bring any claim. In this case, not only do they have no claim, they waited 5 months to file the only thing that would have given them temporary subject-to ownership, well after the law cancelled any interest.


As recently held by the Colorado Court of Appeals, a party asserting claims that its secured lender wrongfully foreclosed on its collateral must plead and prove that it was not in default under its loan when the foreclosure proceeding commenced. See Ball v. OneWest Bank, FSB, No.11CA0169, slip op. at 14-15 n.5 (Colo. App. Jan. 19, 2012) (attached hereto as Exhibit O); Fields v. Millsap & Singer, P.C., 295 S.W.3d 567, 571 (Mo. Ct. App. 2009) (“[a] plaintiff
seeking damages in a wrongful foreclosure action must plead and prove that when the foreclosure proceeding was begun, there was no event of default on its part that would give rise to a right to foreclose.”

Wow, that one throws their whole program out the door......a pretty good reason not to do business in the State. Furthermore, how can any respectable, knowledgeable attorney file any of this like they don't even know State law..........oh wait, never mind, Bella has some of the best legal minds under retainer, and this never happened....

The clear pleading that Bella Homes engaged in unconscionable conduct under the Colorado Foreclosure Protection Act will speak for itself.

littleroundman
02-02-2012, 01:44 AM
The latest court filing my birdy sent me will have folks rolling on the floor laughing. Not only did Bella's attorney not properly serve one of the defendants, but when the Defendant made a Motion to Dismiss Bella's attorney did not respond. Classic legal comedy at its finest!

561

Soapboxmom

Watching from afar, it appears to me people have got the wrong impression as to where the scam is being perpetrated.

IM(very)HO, the "not serving" and "failure to respond" were deliberate on the part of Bella and/or its' non existent attorneys.

Just as with a magicians' misdirections, we are being purposely directed to look for the BIG fraud, as in: the hundreds of thousands of dollar end of the field, when, IM(very)HO the REAL fraud has already taken place i.e. the fees and sham "lease payments"

Whatever happens, Bella can't lose.

It has the fees and lease payments and can afford to delay the 5 or 6 months.

In fact, it WANTS 5 or 6 month delays, the longer the better.

By the time the initial signups wake up to the reality of what's happening, gone through the process with the mortgagees and act (if, by that stage they have any money TO act) months, if not years will have passed and those behind Bella will be long gone WITH the multiple relatively small amounts of fees and payments.

Likewise "not filing" is better for Bella, as well. "Filing" costs money and time, whereas "not filing" costs them nothing.

AND the clincher is, as has been pointed out Bella has no standing, which means it's the homeowner/mortgagor who is in the hole and bears all the risk and penalties.

My reading of the situation is that Bella not only CANNOT but doesn't actually want to "be involved"

Again, IM(very)HO, the same tactics of misdirection and capitalizing on the global financial and real estate crises are being used by Bella Homes as are/were being used by the fraudsters behind Property Wikia.

I would fully expect to see a steadily increasing numbers of reports come trickling through of similar cases to those above where it "appears" as if Bella has overlooked basic procedures before people finally realize the "overlooking" is deliberate.

Don't look for the large amounts, look for the multiple small amounts.

Sharon B
02-13-2012, 12:13 PM
HEY EVERYONE!!!!!!!!!!!!!!!!!!!!!!
So now is the time for us to join together to MAKE A DIFFERENCE and STOP Bella Homes!!!

GUESS WHAT?!?!

The US Attorney's Office found me from one of my posts (where I used my real name) and they want to speak with ANY of us who are as incensed about what Bella is doing as I am. They want any information that they can track down on the Bella folks and program. They are looking for any and all info to bring an End to Bella!!! They already know quite a bit - but they need help in building their case. I for one am absolutely telling them everything I know and would really appreciate any of you stepping up and helping as well. They understand some of the info may be circumstantial but any lead is a good lead.
Let me know how I can contact you (or you contact me) so that I can give you the contact info of the US Attorney's office contact assigned to the case.
SoapboxMom- they would very much like to hear from you as you definitely are leading the pack on this thread with lots of great info and I said I would try to get you specifically to give them a jingle.

Let's do this together and make a difference!!!!!! I truly hope to hear from some of you!!!!

Cheers!

Sharon B
02-13-2012, 12:28 PM
I realized after I hit "send" on my last post - the easiest way for us to make a difference together - is for me to post the US Attorney contacts that are on the Bella Case. Please contact them and tell them that you got their name and number off of the internet site from someone they've been in direct contact with regarding the Bella Case (I don't want to post my real name here just in case there is retribution from Bella folks):
The US Attorney Office investigator names are:
Craig Tische 1 303 454 0161 and
Chris Larson 1 303 454 0252

I hope some of you will call them!
Here's to us!!
Cheers!

Soapboxmom
02-13-2012, 03:25 PM
I realized after I hit "send" on my last post - the easiest way for us to make a difference together - is for me to post the US Attorney contacts that are on the Bella Case. Please contact them and tell them that you got their name and number off of the internet site from someone they've been in direct contact with regarding the Bella Case (I don't want to post my real name here just in case there is retribution from Bella folks):
The US Attorney Office investigator names are:
Craig Tische 1 303 454 0161 and
Chris Larson 1 303 454 0252

I hope some of you will call them!
Here's to us!!
Cheers!
I just spoke with Craig. Anyone who has been defrauded by Bella should come forward immediately.

Really swell of George Dranichak / Vladimir Sviatoslavcih to pull the thread on Scam that was exposing this bunch and protecting consumers and then advertise for them. Sheesh!


Soapboxmom

Soapboxmom
02-24-2012, 06:20 PM
BREAKING NEWS!!!!

The United States and the State of Colorado have sued , Bella Homes LLC, Mark Stephen Diamond, Daniel David Delpiano, Michael Terrell, David Delpiano
in US District Court in Colorado:

595

My sincerest thanks to the informant who sent me this!

Soapboxmom
02-24-2012, 07:27 PM
http://www.scam.com/zachary/logo.gif (http://www.scam.com/)
Message Board (http://www.scam.com/forumdisplay.php?f=1) This is the best whistleblower forum to expose scams, rip offs, & scammers. Dont get scammed, stick with scam.com and register for a FREE account to post on our message board. True free speech and power to the people!




All times are GMT -5. The time now is 07:23 PM.


How to save my home from foreclosure ? (http://bellahomesllc.net/how-to-save-my-home-from-foreclosure) - Is there anyway to stop a foreclosure ? (http://bellahomesllc.net/is-there-anyway-to-stop-a-foreclosure)
George Dranichak is still advertising this obvious scam. What a schmuck!

The Bella Homes site now says:


Account Suspended

This Account Has Been Suspended

littleroundman
02-24-2012, 08:37 PM
Colorado and federal prosecutors have filed a joint lawsuit alleging a Georgia-based company and its principals ran a foreclosure-rescue scam, dating back to March 2010.

Bella Homes is accused of asking struggling homeowners to hand over titles to their homes and then enter agreements to lease back their homes from Bella while the company worked to halt foreclosures and purchase their mortgages.

Prosecutors allege Bella Homes accepted more than $3 million in "rent" fees from more than 450 consumers, affecting people in two dozen states, but didn't provide any meaningful assistance to homeowners to avoid foreclosure.

An attorney for Bella Homes declined to comment Thursday.

A federal judge ordered defendants Wednesday to cease operations and transfer $500,000 to the government for potential restitution, pending resolution of the case.

Soapboxmom
02-24-2012, 11:30 PM
U.S., Colorado Say Bella Homes — An MLM ‘Opportunity’ — Is A Foreclosure-Rescue Scam Whose ‘Mastermind’ Is A Convicted Felon Currently On Probation; Firm’s Business Operations Halted (http://www.patrickpretty.com/2012/02/24/u-s-colorado-say-bella-homes-an-mlm-opportunity-is-a-foreclosure-rescue-scam-whose-mastermind-is-a-convicted-felon-currently-on-probation-firms-business-operations-halted/)

Another awesome blog by our dear friend Patrick Pretty that gets right to the heart of the matter. Our appreciation for the injunction link:

http://www.coloradoattorneygeneral.gov/sites/default/files/press_releases/2012/02/23/bella_homes_pi.pdf

Soapboxmom

Sharon B
02-25-2012, 09:25 PM
U.S., Colorado Say Bella Homes — An MLM ‘Opportunity’ — Is A Foreclosure-Rescue Scam Whose ‘Mastermind’ Is A Convicted Felon Currently On Probation; Firm’s Business Operations Halted (http://www.patrickpretty.com/2012/02/24/u-s-colorado-say-bella-homes-an-mlm-opportunity-is-a-foreclosure-rescue-scam-whose-mastermind-is-a-convicted-felon-currently-on-probation-firms-business-operations-halted/)

Another awesome blog by our dear friend Patrick Pretty that gets right to the heart of the matter. Our appreciation for the injunction link:



Soapboxmom


I wanted to cut and paste a really nice section of the Patrick Pretty article listed above..... here is what it says:


"RealScam.com, a forum that concerns itself with mass-marketing fraud, was among the first outlets today to report the news of the Colorado lawsuit. RealScam has been tracking Bella Homes’ developments at least since Nov. 27, 2011."

I'd like to give KUDOs where KUDOs belong: GREAT JOB SOAPBOX MOM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! (and to everyone else that has contributed to this thread) "We" have been tracking this mess for a lot longer - but just not through this thread. Thank you Soapboxmom for giving those of us who cared a place to voice ourselves without fear of retribution (or being erased!!).

Curiously - I hope you won't mind me sharing a personal journey I just went through as I think many on this thread will support me (at least I hope). I will admit to feeling much of the "I told you so" feeling that is not very humble - but it DOES feel good to be right about something as blatantly wrong as the Bella Homes program was.

Admittedly I sent a very unkind note to my two EX supervisors at Real(ty) Funding Partners who at the time claimed to be the biggest reseller of the Bella Homes program (and how I was originally brought into the Bella Homes fray). As I have repeated I thankfully never placed anyone into the program as I could smell a rat early on and the more I dug the more I realized it just wasn't the smell. The note I sent to the ex-supervisors essentially stated that I thought that they should be "ashamed" for reselling the Bella Homes product and for taking advantage of all of those vulnerable folks facing foreclosure (especially after being warned that the program was a SCAM). I'd like to cut and paste one of the Director's responses to me and let you come to your own conclusions.
Here is their quote:
"I have not run across a more self righteous person who assumes to know more about our company than we do. We are a large corporation with good people doing good things.

Bella Homes was not a part of our corporation and we did not develop or run their products or services."

My reply was simply: "Oh my God. Really?"

By the way - so that the RFP Director doesn't get the chance to say that I'm "hiding" behind a pseudonym - my real name is Linda B. and I'm very proud of the stance I took against this horrible program. Cheers!

littleroundman
02-26-2012, 04:37 AM
Bella Homes was not a part of our corporation and we did not develop or run their products or services."

Oh really ???

Either someone's lying now or your Robert Valentin was lying back in November 2011 when he said:

http://i218.photobucket.com/albums/cc153/thelittleroundman/realtyfunding.jpg

laidback
02-26-2012, 10:33 AM
Isn't it marvelous how the lies he told back then come back to bite him for the lies he's telling now...?

Soapboxmom
02-26-2012, 11:45 AM
I wanted to cut and paste a really nice section of the Patrick Pretty article listed above..... here is what it says:


"RealScam.com, a forum that concerns itself with mass-marketing fraud, was among the first outlets today to report the news of the Colorado lawsuit. RealScam has been tracking Bella Homes’ developments at least since Nov. 27, 2011."

I'd like to give KUDOs where KUDOs belong: GREAT JOB SOAPBOX MOM!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! (and to everyone else that has contributed to this thread) "We" have been tracking this mess for a lot longer - but just not through this thread. Thank you Soapboxmom for giving those of us who cared a place to voice ourselves without fear of retribution (or being erased!!).

Curiously - I hope you won't mind me sharing a personal journey I just went through as I think many on this thread will support me (at least I hope). I will admit to feeling much of the "I told you so" feeling that is not very humble - but it DOES feel good to be right about something as blatantly wrong as the Bella Homes program was.

Admittedly I sent a very unkind note to my two EX supervisors at Real(ty) Funding Partners who at the time claimed to be the biggest reseller of the Bella Homes program (and how I was originally brought into the Bella Homes fray). As I have repeated I thankfully never placed anyone into the program as I could smell a rat early on and the more I dug the more I realized it just wasn't the smell. The note I sent to the ex-supervisors essentially stated that I thought that they should be "ashamed" for reselling the Bella Homes product and for taking advantage of all of those vulnerable folks facing foreclosure (especially after being warned that the program was a SCAM). I'd like to cut and paste one of the Director's responses to me and let you come to your own conclusions.
Here is their quote:
"I have not run across a more self righteous person who assumes to know more about our company than we do. We are a large corporation with good people doing good things.

Bella Homes was not a part of our corporation and we did not develop or run their products or services."

My reply was simply: "Oh my God. Really?"

By the way - so that the RFP Director doesn't get the chance to say that I'm "hiding" behind a pseudonym - my real name is Linda B. and I'm very proud of the stance I took against this horrible program. Cheers!
All the kudos go to the many that contributed to this thread. This one was such an obvious scam. Law enforcement action so rarely happens I consider a wonderful bonus, but either way what we post can and does help keep folks from being victimized and that is quite a victory in and of itself. Law enforcement is way unstaffed and underfunded, so everyone that has the courage to speak out is doing a wonderful service. The top folks pushing this should be getting chewed. Mortage, banking, legal and other experts should have been checking this out thoroughly before pimping it so aggressively. I hope those dear lads at RFP are enjoying that delicious humble pie! You, Linda, are one of my heroes for going the extra mile to expose this and bring them to justice.


And, is anyone surprised that pimp and porn spammer George Dranichak, masquerading as Russian Prince Vladimir Sviatloslavich, is still advertising this trash?????



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How to save my home from foreclosure ? (http://bellahomesllc.net/how-to-save-my-home-from-foreclosure) - Is there anyway to stop a foreclosure ? (http://bellahomesllc.net/is-there-anyway-to-stop-a-foreclosure)

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Sharon B
02-26-2012, 12:06 PM
Isn't it marvelous how the lies he told back then come back to bite him for the lies he's telling now...?


Thank you Littleroundman and Laidback for your comments. At first when I read what was sent to me by the RFP Director I took it the same way you are taking it - however - after additional thought I realized that what this high up (and influential) Director of RFP was most likely saying was: =Bella Homes was not a part of our corporation ownership-wise and we did not participate in the development of their products and services nor did RFP have any say on how their company was being run....i.e. <=all we did was resell their product - so don't blame us that what they were doing was fraudulent we were just an unknowing (unaware?? innocent victim????) third party reseller...................>. Then when I got the "threat" that I was going to be silenced by their attorneys for my "bashing of RFP" - I quickly decided to jump onto this forum and share......I don't recall "bashing" RFP...just telling the facts.....Hmmmmmm?

I believe several of you commented on the possible "risks" of being an active reseller of Bella earlier on in this thread....kinda sucks when the **** hits the fan with Bella when RFP boasted as being the biggest baddest reseller for them......(Ie. it isn't much fun now is it Robert Valentin???)

By the way - to set the record straight, the Director who sent this email to me was not Robert Valentin - this person is much "higher" in the corporate ladder which makes it all the more telling to me. It appears to me this may be the current "corporate" stance in defense of their active reselling work for Bella.

Sharon B
02-26-2012, 12:32 PM
All the kudos go to the many that contributed to this thread. This one was such an obvious scam. Law enforcement action so rarely happens I consider a wonderful bonus, but either way what we post can and does help keep folks from being victimized and that is quite a victory in and of itself. Law enforcement is way unstaffed and underfunded, so everyone that has the courage to speak out is doing a wonderful service. The top folks pushing this should be getting chewed. Mortage, banking, legal and other experts should have been checking this out thoroughly before pimping it so aggressively. I hope those dear lads at RFP are enjoying that delicious humble pie! You, Linda, are one of my heroes for going the extra mile to expose this and bring them to justice.


And, is anyone surprised that pimp and porn spammer George Dranichak, masquerading as Russian Prince Vladimir Sviatloslavich, is still advertising this trash?????

[/B]

Ooops sent my last post before I saw your post Soapboxmom....I'd like to add a bit more ....YOU spent a HUGE amount of time providing all of the links that tied the knot for those of us trying to put the pieces of "proof" together. All of the background on the owners, the boilerplate lawsuits, the jumble of mess that kept coming up. You were our sleuth. YOU provided a place that I sent literally 40++ folks to who PM'd me on Trustlink who were looking for more background info on Bella on why NOT to sign up. Remember when it was almost impossible to find anything on the net except resellers' garbage? And then there was that one thread on Scam.com that I was so happy to find...and then POOF...we were hitting way too close to Mr. Dranichak's pocket book and we got erased. And then you and this thread popped up. Thank you again as this forum helped me/us to feel like a "team" and not a scared rogue person attempting to individually stand up to wrong.

You are right - legal action is rare - and it just shows how NASTY this one was that they were able to jump in and shut them down. Going full circle - had you not provided all of the meat of the proof - I wouldn't have actively prodded the ex-Bella client who contacted me many months ago that they SHOULD contact their attorney general. They did - and were told by the US Attorney's office who took their testimony a couple months ago that they were instrumental in helping to lock down the Gov'ts case.....and shut down Bella. I received the wife's email early Friday morning on "our" victory and she ended the note by saying JUSTICE PREVAILED HERE!!! :) So good for them as well - it was a total TEAM effort - but I will come back to you Soapboxmom - YOU have made a HUGE difference in this country by your tireless work on this particular topic and I for one KNOW that you personally had a big indirect part in shutting Bella down. And I really want that not to go unnoticed!!!!! Thank you from your grateful fan, Linda.

Magic_Muffin
02-26-2012, 06:04 PM
It is just fortunate that there was enough information for authorities to act as quickly as they did. This just as easily could have ran much longer and harmed many more people. Luckily they attempted to expand too fast and move into states where they clearly did not understand the law. It still amazes me how much the people that push these sort of things, knowingly or not, right up to the very end no matter what evidence is/was presented. With that in mind, it is also startling how fast the MLM pushers have taken down the Bella links and program details from their sites like it never existed.

On a similar note, of all the people that attacked me on scam.com, saying I didn't know what I was talking about (despite working in the capital markets for years as well as having firsthand knowledge of some of these state specific and federal laws) only one person came back and PM'd with an apology. Everyone else seems have disappeared into the wind and now I see their e-mails and ID's popping up elsewhere for the next big thing.

With that is mind, is there any way to go after these serial MLM'ers directly? As I was gathering research for the postings on the other site, I noticed quite a bit of them had associations with other failed MLM's that were clearly scams, (and I include the Trump BS in that as well). Despite pushing all these programs, taking money, defending everyone like it was the Holy Grail of MLM's and that this one is "different", only to see it fail, people lose their money, potential opportunity, and for the people on the ground floor, potentially their family, friends, business associates, et al; these pushers move on without any type of consequence to the next "opportunity".

Out of all these failed scams, has there every been an attempt to create a master list at some level and prevent them from pushing something new? I know you cannot stop someone from making a living, but can you not take the approach most of these civil injunctions do and prove public harm?

You guys have way more experience doing this than I, so I will leave it to you to reply. It's too bad people had to be scammed on top of losing their homes to foreclosure, but I'm certainly happy Bella Homes, LLC and it's operators have been shut down. Hopefully this thread and the associated exposure will go along way in helping prevent the next Bella from popping up.

MM

Soapboxmom
02-26-2012, 11:18 PM
It is just fortunate that there was enough information for authorities to act as quickly as they did. This just as easily could have ran much longer and harmed many more people. Luckily they attempted to expand too fast and move into states where they clearly did not understand the law. It still amazes me how much the people that push these sort of things, knowingly or not, right up to the very end no matter what evidence is/was presented. With that in mind, it is also startling how fast the MLM pushers have taken down the Bella links and program details from their sites like it never existed.

On a similar note, of all the people that attacked me on scam.com, saying I didn't know what I was talking about (despite working in the capital markets for years as well as having firsthand knowledge of some of these state specific and federal laws) only one person came back and PM'd with an apology. Everyone else seems have disappeared into the wind and now I see their e-mails and ID's popping up elsewhere for the next big thing.

With that is mind, is there any way to go after these serial MLM'ers directly? As I was gathering research for the postings on the other site, I noticed quite a bit of them had associations with other failed MLM's that were clearly scams, (and I include the Trump BS in that as well). Despite pushing all these programs, taking money, defending everyone like it was the Holy Grail of MLM's and that this one is "different", only to see it fail, people lose their money, potential opportunity, and for the people on the ground floor, potentially their family, friends, business associates, et al; these pushers move on without any type of consequence to the next "opportunity".

Out of all these failed scams, has there every been an attempt to create a master list at some level and prevent them from pushing something new? I know you cannot stop someone from making a living, but can you not take the approach most of these civil injunctions do and prove public harm?

You guys have way more experience doing this than I, so I will leave it to you to reply. It's too bad people had to be scammed on top of losing their homes to foreclosure, but I'm certainly happy Bella Homes, LLC and it's operators have been shut down. Hopefully this thread and the associated exposure will go along way in helping prevent the next Bella from popping up.

MM
Dear Magic Muffin, you have now discovered the scourge that is MLM:

Wash, rinse and repeat......

Jump and dump........

The best chance for the sleazy MLM heavy hitters to be held accountable is for the duped downline members to file suit. The authorities occasionally round up the top promoters and worst offenders, but law enforcement is way too understaffed and underfunded to close them all down. Thankfully, folks like you have the courage to take them on and stand your ground. MLM heavy hitters are quick to declare anyone with the sense to question their latest and greatest deal as stupid, dream stealers and worse.

The best way to stop the MLM scoundrels is threads like these that scare off potential marks. RS also serves as an archive of all the many MLMs these top people have pimped. What we have posted is not going anywhere!!!

Soapboxmom

lsell
02-27-2012, 01:42 PM
Sharon, can you contact me? We are in MN and need that contact info. j.l.bringle@excite.com
Thanks,

Magic_Muffin
02-27-2012, 08:49 PM
Sharon, can you contact me? We are in MN and need that contact info. j.l.bringle@excite.com
Thanks,

Isell,

Here is the contact info from the previous post:



The US Attorney Office investigator names are:
Craig Tische 1 303 454 0161 and
Chris Larson 1 303 454 0252


Aside from contacting the CO AG and USAG (they will probably be contacting you since part of the injunctive relief was to turn over all client lists and such) I would contact your state AG as well. As I'm sure you know, AG Swanson is fairly aggressive at pursing mortgage fraud and related matters.

MM

Sharon B
02-27-2012, 11:50 PM
Sharon, can you contact me? We are in MN and need that contact info. j.l.bringle@excite.com
Thanks,

Hello Isell -
I will email you this information as well but to everyone else reading our thread looking for help:

PLEASE do not call Craig Tische or Chris Larson...I just spoke with Craig this morning and he is NO LONGER the person to speak with if you are a person wanting your contact information known for this particular stage of the complaint.

I am cutting and pasting the Colorado State Attorney General and US Attorney's contact information in Colorado that is published at the end of the formal complaint by the folks who presented the complaint...THEY are in charge at this particular stage of things....

It appears that within the complaint it does state that Bella Homes will be releasing all names and contact information of all 450 clients to the below agencies to contact YOU - and so don't fret if you can't reach anyone right away. I presume, however, that if you contact any of these folks below with an email and tell them that you were a defrauded ex-Bella Homes client that they WILL contact you at some point....my personal best wishes to you all!

JOHN F. WALSH United States Attorney
s/ Jamie L. Mendelson
Jamie L. Mendelson
Assistant United States Attorney
1225 17th Street, Suite 700 Denver, Colorado 80202 Tel: (303) 454-0190 E-mail: jamie.mendelson@usdoj.gov
Attorneys for Plaintiff the United States of America
JOHN W. SUTHERS
Attorney General
s/ Erik R. Neusch
Erik R. Neusch
Assistant Attorney General
Consumer Protection Section
1525 Sherman Street
Denver, Colorado 80203
Tel: (303) 866-5079
E-mail: erik.neusch@state.co.us Attorneys for Plaintiff State of Colorado
Case 1:12-cv-00390-MSK-MEH Document 1 Filed 02/14/12 USDC Colorado Page 52 of 52

Sharon B
02-28-2012, 12:09 AM
Sharon, can you contact me? We are in MN and need that contact info. j.l.bringle@excite.com
Thanks,

One last comment (sorry) - the above Attorney contacts, from what I currently understand, are ONLY looking to be in contact with the 450 ex Bella CLIENTS (Homeowners only). I am looking again at your posted name, Isell, and it makes me realize that you may have been a reseller ("I Sell" ??)???? At any rate - for those of you that were a Bella (or RFP) reseller - the complaint was filed to put a stop to Bella's fraudulent behavior to HOMEOWNERS. The State and US Attorneys are focused on the harmed folks (homeowners) only. So if you are a small individual ex-reseller hoping to get your monthly dues back (or what ever) - I would suggest you chalk it up to a very bad business decision and move on (LEARN from it though!!). Of course this is simply what I've learned on a personal level - if you find out something new/different - please be sure to post here and let everyone know!!

Cheers

Soapboxmom
03-20-2012, 05:52 PM
The fun for the fraudsters at Bella may just be beginning. The first Bella clients' lawsuit is in progress. How wonderful this couple had the courage to come forward and seek justice! I would love to see this go class action! Check out the formidable list of attorneys. Thanks to my faithful birdy for sending this my way!!!

698

Magic_Muffin
03-22-2012, 11:45 AM
More exposure from another great site, from Mortgage Fraud Blog........

Mortgage Fraud Blog - Nationwide Foreclosure Rescue Company Shut Down (http://mortgagefraudblog.com/perp-walk/item/17288-nationwide-foreclosure-rescue-company-shut-down)

scamdotcom
03-24-2012, 09:07 PM
They are an advertiser trying to do business. We have spoken with them on the phone and they are reasonable guys. Let me screen every single advertisier you have on your site.
Give me a BREAK! George was a consultant on the board til January, he is no longer with scam.com, this domain has been sold over 6 times so get over the past and let me try to provide for my family. Your jealousy/anger/whatever is ******* pathetic. You also have NO IDEA who you are ******* with. Delete all these posts or I ******* swear I will own your website. I know you have lawsuits coming from George too, 100% I swear on my mother's life. Your information is completely false, trust my heads up guys. Delete all this **** now.

Soapboxmom
03-24-2012, 09:51 PM
Delete all Re: Bella Homes / George Dranichak / Scam.com / Sviat / Vladimir Sviatoslavich ...all posts.

Or expect lawsuits and much headaches.

I am new owner, I can offer an alliance or hundreds of thousands of dollars in litigation and sleepless nights.
I am offering a truce.

The past is the past, I dont know, don't care, I dont wanna know.
You are messing with my family and TRUST me that's not good.

There is NOTHING bad on scam.com about you, end this now.
You have George after you, you don't want me too.

They are an advertiser trying to do business. We have spoken with them on the phone and they are reasonable guys. Let me screen every single advertisier you have on your site.
Give me a BREAK! George was a consultant on the board til January, he is no longer with scam.com, this domain has been sold over 6 times so get over the past and let me try to provide for my family. Your jealousy/anger/whatever is ******* pathetic. You also have NO IDEA who you are ******* with. Delete all these posts or I ******* swear I will own your website. I know you have lawsuits coming from George too, 100% I swear on my mother's life. Your information is completely false, trust my heads up guys. Delete all this **** now.
First of all I have no idea who you are. Second, I don't respond to threats. Third, I don't cater to scammers. Fourth, we do not have any advertisements here, so who in the heck were you planning to screen? Have you read this thread? Bella has been shut down. There was a very good thread on Scam.com about that that was removed in order to advertise for that obvious scam. A birdy sent it to me and it is archived here. Bella did not have any reasonable guys in it. They are bunch of well dressed thugs that were defrauding desperate homeowners.

If you are a new owner then congratulations. There are still many threads about me and this site there and I don't expect that will change. There are threads on other forums such as Quatloos and JREF that discuss Scam.com and Mr. Dranichak as well. They don't remove threads without good cause either. If you in fact purchased Scam.com you did so with all this controversy already swirling around that dump of a site. You should have checked it out carefully and determined if you were willing to own such a site. How much more bad publicity do you want to generate? Are you really crazy enough to complain because you got caught advertising this Bella mortgage scam that was deemed fraudulent and shut down?

When you have calmed down you can send me a message and quote exactly any false information you find in a thread on here with documentation to refute it and I will retract, apologize and /or remove it as prudent. I make that offer to any party that complains. Otherwise we will carry on here with exposing scams, frauds and having pleasant exchanges.

Soapboxmom

littleroundman
03-24-2012, 10:29 PM
Smooth talkin' li'l fella, ain't he ???

Maybe what he says is true.

Maybe the "new" management at his forum will stop removing threads the moment they're threatened by fraudsters.

You know, threads warning people about Bella Homes, Charles Gregoire De Rothschild, the kind of thread which seem to mysteriously disappear with monotonous regularity on his forum.

Maybe, just maybe, Sviat IS serious about returning Scam.com to its' former preeminent position of warning 'net users of fraud and fraudsters.

Maybe he IS serious.

http://i218.photobucket.com/albums/cc153/thelittleroundman/experience.jpg

http://i218.photobucket.com/albums/cc153/thelittleroundman/who.jpg

http://i218.photobucket.com/albums/cc153/thelittleroundman/marriedwomen.jpg

WHOOPS, then again, maybe not.

littleroundman
03-25-2012, 12:22 AM
They are an advertiser trying to do business. We have spoken with them on the phone and they are reasonable guys.

That would be a relevant comment for someone who:

1) Wasn't running a website with the purpose of exposing fraud and fraudsters.
2) Hadn't removed threads containing warnings from members of said forum about said fraud and fraudsters.
3) If said fraudsters were not the subject of legal action:


Colorado Attorney General John Suthers and U.S. Attorney John Walsh announced today that they have filed a joint lawsuit against Georgia-based Bella Homes and its principals on suspicion that they ran a nationwide foreclosure-rescue scam between March 2010 and this February.

4) If Bella Homes hadn't admitted its' guilt in open court:

http://i218.photobucket.com/albums/cc153/thelittleroundman/bella.jpg

So, my little loudmouthed cyber bullying friend, slither back under your rock and concentrate on your own behaviour.

Little bit of a drinking problem, have we ??

P.S. Oh, and for chrissakes' stop making threats in public places, will you ??

Geez, at least try and be a LITTLE bit smart.

GlimDropper
03-25-2012, 10:30 PM
Well, in fairness to Sviat Bella Home's being proactive in a court of law by acknowledging the role they played in defrauding homeowners clearly shows that they are the sort of "reasonable guys" which scam-dot-com is willing to delete negative threads for and accept advertising revenues from. I mean it's all about the money and scam-dot-com never stopped displaying Bella Homes advertisements until the court made sure that Bella was unable to pay Svait to continue adverting for them so he was being reasonable too. I'd wonder if now that these scammers can no longer pay Svait, he might reinstate some of the threads critical of Bella Homes which once had been on his anti-scam forum. But I know better than to ask that and so should you.

Soapboxmom
03-26-2012, 02:31 PM
Vladigeorge hard deletes everything. Lucky for him law enforcement hasn't come calling with subpoenas for that stuff. Isn't is wonderful that his deletions get archived and posted here!

Bella's reasonable guys knew they were in deep doodoo and have already made an agreement and accepted a permanent injunction in the case filed the United States and State of Colorado.

704

My great appreciation to my birdy who provided us this enlightening document!

littleroundman
04-14-2012, 06:42 AM
It appears the negative publicity generated by the Colorado action has had a far wider effect than just in Colorado:

View the Bellahomes LLC website (http://bellahomesllc.net/) today:

http://i218.photobucket.com/albums/cc153/thelittleroundman/bellawebsite.jpg

Meanwhile, ever alert Bella Homes victims are now using Bella Homes own Facebook page (http://www.facebook.com/BellaHomesLLC) to warn people of the activities of the fraudsters behind Bella Homes LLC:

http://i218.photobucket.com/albums/cc153/thelittleroundman/mdplus.jpg

Soapboxmom
04-14-2012, 05:15 PM
Bella Homes and many others went out and filed frivolous lawsuits based on the "show me the note" argument. That tactic has been royally shot down. Attorney William Butler has been sanctioned to the tune of $50,000.00 for repeatedly making this totally frivolous claim in numerous lawsuits. The judge pointed out that Butler has made a cottage industry out of filing these ridiculous claims. He has filed almost 30 such suits and made a habit of judge shopping and using delay tactics. He drops and refiles cases with alarming speed. "A very large monetary sanction is necessary to deprive Butler of the incentive to continue pursuing this illegitimate business model," according to the judge. The defendant's attorney fees are also awarded.

That should discourage the legions of other attorneys / clowns that get this not so bright idea!

1280

Thanks again to my faithful birdy!

Soapboxmom