Dorean Group, near Oakland, Calif., uses independent agents to promote its program. One such representative, Capital Creation Resource, describes the program on its Web site. After paying a $3,000 fee, the homeowner agrees to place the title to their home in a family trust, then present the lender a document that contains 40-50 "legal" challenges to the loan. Dubbed the "CPA Report," this document outlines claimed "violations" of federal laws committed by the lender. The lender must respond with proof of the validity of the loan. When the lender fails to respond, a power of attorney is filed, which gives the trustees authority to act on behalf of the lender. Using the power of attorney, a "Discharge of Mortgage" is filed certifying that the loan has been fully paid.

The next step is to apply for refinancing on the home. Once obtained, the homeowner, their Dorean Group agent and Dorean Group divide the funds. This new loan is then "eliminated" using the same technique.

The BBB's investigation led it to the Cuyahoga County Recorder's office where evidence was found of several properties involved in this activity. All had a quitclaim deed filed giving ownership of the home to the trust. Two Dorean officials appear as trustees on these quit claims, D. Scott Heineman and Kurt F. Johnson. These same individuals appear on power of attorney and discharge of mortgage paperwork.