Hi I am Tamara From Phoenix AZ 85021 zip

I am in need to a f bail out on a predatory 2 nd deed  34, 700 my home.... sale scheduled for 07/10/2007 is awesome has after first and her paid in excess of 75000 in equity and this is a low ball, I have very verifiable income and also have a small yet very profitable self employment income. PLs I will lose my home. I am a single mom, college degrees and business experience; however i was in a car accident and broke my neck 2 years ago and lost my 65000 plus comm employment.

I had fantastic 690 ` 720 fico for 15 years prior to accident and how scarey as  we are all only months from devastation and only as soluable as our gap short and long term insurance policies will allow.

  Unlike when she promised to credit counsel and hike my credit score , ( I am doing all on own) and counseled me out of a manageable payment and agreement with my first, which my first mortagge is in excellent standing... But the cous des gras was the additional 6K she lent my fiance at the time which I was never in the agreement or a co signer on the check, she also slapped it on my balloon balance and then charged 50 per day late fees on that as a past due .... in excess of 5 K in exhorbinant fees .... She unannounced to me threatenens and file FC with a deed of trust in hand prior to the balloondue  date. I am a self responsible made woman. I realize now how much odf a muistake and how when desperate do not shop for a predatory lender ( lol) I have future palns to have another hard money to cover the second to gail Charloff... and refinance in the next year or so after absolutely viciously attacking my fico credit and keep the house and move forward. My son and I love our home. I worked my whole life for my own place and I am worth the investment. tamara 1-602-334-1456 602-579-4463

As the prior owner of a home located next door to one, up until recently, of many owned by Lyla Gail (or Gail Lyla) Charloff that she rented out to a family for an enormous monthly rate and to which she never had made a single repair nor which she ever maintained, I many times advised my former neighbor to sue Charloff in small claims court for Charloff's non-compliance with most, if not all, of the laws of the Residential Landlord & Tenant Act (http://www.azsos.gov/public_services/publications/residential_landlord_tenant_act/Residential.pdf).

However, my neighbor refused because of "mixed feelings" toward Charloff who she not only feared would retaliate against her but also to whom my neighbor was grateful. Why the gratitude? For providing a roof over their heads, my neighbor told me, and for allowing my neighbor's father to live as a tenant in his former home. I couldn't believe what I was hearing, and I told my neighbor that what Charloff had done to her father was unscrupulous and fraudulent. What Charloff did to my former neighbor's father sounds similar to what Charloff did to you, Tamara from Phoenix.

The neighbor explained that her father was experiencing financial difficulties following the death of his wife and was on the verge of "losing everything" when Charloff came along and offered to make his mortgage payments in exchange for the deed to the property. Charloff allowed him to stay in the house as a tenant and pay rent to her. How kind.

I told my neighbor that Charloff was defrauding her father and that this scam was just one of many perpetrated upon the desperate and the trusting and to enter Charloff's "names" (Gail or Lyla or Gail and Lyla Charloff) in a search engine and/or on the case history links (http://www.superiorcourt.maricopa.gov/Docket/index.asp) to see just how many properties Charloff had obtained over the years in this way. Via the assessor's site, you can find information on what she paid for and sold properties for and how many business names she has.

Charloff is a vulture, preying on the innocent, naive and trusting. While many "hard money lenders" are honest, trusting people who have decided to use their money to help others desperately in need (which I could never do because although I enjoy helping others, I am not courageous enough to invest in another human being), Charloff is not one of them. It's people like her who give honest lenders a bad reputation.

Those who are in foreclosure don't have to fall prey to vultures like Charloff. HUD can help and provides information via this link: http://www.hud.gov/offices/hsg/sfh/econ/econ.cfm.

Since I moved, I never found out how my neighbor's father's story ended. I expect that eventually the father will be forced out, if he hasn't already, and the property sold.

Long before the "foreclosure mess" of recent years ruined the American economy, Charloff was picking up properties throughout the Valley by combing through tax records for listings of homes whose owners were in default on their mortgage. She makes money renting them to people who find it difficult to afford the high rents she charges unless she sells the properties, one she recently sold for much less than she could have had she maintained it.