FTB Securitization Auditing Pillow Foundation Foreclosure SCAM, Mortgage Fraud, deceptive practices Valhalla, New York

    This group is everything a homeowner in distress should stay away from. The company screams of scam. They have no idea what they are doing other than making false promisses to clients and putting homeowners in more trouble then when they started. They have promised some relief when there was no trouble to begin with. They have had many names over the last several years, The Pillow Foundation; Azzur Holdings, Ruzza Property Group, Terra Foundation and now FTB. This is the 3 relocation of the group in as many years. Thismove must have been inspired by the raiding of the offices by the Westchester County DA some time last year. They told homeowners that their homes were securitized (they dont even understand what that means) and told them to stop making mortgage payments, they then filed bogus mortgage discharge papers and canceling of lis pendence which gave the apprearence of clear title. These people sold their homes or others purchased them, while others refinanced, each time the group headed by John Ruzza, lined their pockets. We are talking millions of dollars.

    The first give away that they are a fraud is that they charge a "success fee" for helping "save the home from foreclosure", only an attorney can do anything remotely like that and they dont. FTB are not attorneys yet they dispense legal advice like candy. FTB is not an actual auditing company, they just buy audits from other companies around the country. They seriously over charge for those audits as well. They are a bunch of uneducated clowns pretending to be a homeowner's savior. What a joke.

    The attorney they currently use in Ft Lee probably has no clue exactly what he is dealing with or how many violations of the law Mr. Ruzza and his cohorts have performed. They are the worst possible form of scammers, they prey on the distresses homeowner, without any real regard as to what the outcome is, the group is just trying to collect new clients to pay back money they still owe old ones. can you say PONZI! This attorney is just another in a long line of attorneys that this group has blown through. I am certain when he discovers that Mr Ruzza collects legal fees and does not pass them onto the attorney in full he will denounce the glowing review of FTB he put in the video. 

    I have found, by speaking with other clients of this group, that everyone who was part of that group as an "owner" has either been in trouble with the law or has done time for fraud or embezzlement including Mr Ruzza. Bruce Lewis in Washington State, did time for defrauding the government, Jacqueline Graham in PA is a scammer herself currently running from the law & clients she took money from, Chris in CA along with the Bishop John DiCiara who started this fiasco were under Federal investigation yet Mr Ruzza (who did time for embezzling funds when he was a builder) continued to do business with these people.

I have been taken advantage of by groups like this one and others I know have been hurt by this particular group. Before you give any money to a group that is promissing you what you want to hear, remember, there is no majic paperwork, there is only the law. No matter what people like this tell you, you will have to go to court at some point, they can not go for you. There are plenty of free services and non profit groups waiting to help as well as many very real companies that provide these audits for attorneys. Do your homework before you start making monthly payments to people like Mr Ruzza or "paralegals" like Ken Frank.