The Teamsters are one of North America’s largest, most diverse unions. In 1903, the Teamsters started as a merger of the two leading team driver associations. These drivers were the backbone of America’s robust economic growth, but they needed to organize to wrest their fair share from greedy corporations. Today, the Union’s task is exactly the same. The Teamsters are known as the champion of freight drivers and warehouse workers, but have organized workers in virtually every occupation imaginable, both professional and non-professional, private sector and public sector. Our 1.2 million members are public defenders in Minnesota; vegetable workers in California; sanitation workers in New York; brewers in St. Louis; newspaper workers in Seattle; construction workers in Las Vegas; zoo keepers in Pennsylvania; healthcare workers in Rhode Island; bakery workers in Maine; airline pilots, secretaries and police officers. Name the occupation and chances are we represent those workers somewhere. Teamsters stand ready to organize workers who want to bargain collectively. Once a contract is negotiated and signed, the Union works to enforce it—holding management’s feet to the fire and invoking contract grievance procedures if management chooses not to. Wages and benefits under Teamster contracts are markedly better than those of non-union employees in similar jobs. Teamster contracts are the guarantors of decent wages, fair promotion, health coverage, job security, paid time-off and retirement income. The Teamsters Union also performs vital tasks in such areas as pension management, safety & health, community outreach, governmental affairs and communications. For more than a century, the Teamsters have been a public voice for the rights and aspirations of working men and women and a key player in securing them.

Since our founding in 2002, CRFS has grown to become the recognized leader in post-default claims management outsource and consulting solutions. Dedicated to providing unmatched timeliness, exceptional customer service and measurable results, CRFS delivers industry leading default services and claims processing management solutions. Services include pre- and post-foreclosure FHA, VA, Conventional (FNMA/FHLMC), mortgage insurance (MI), Pool, and USDA claims management, loss analysis review and processing, and consulting for lenders and investors. We proudly serve the nation's leading mortgage service providers and other financial institutions. Post-Foreclosure Claims Outsourcing • FHA Conveyance Part A & B-E • FHA Claims Without Conveyance (CWCOT) • FHA Single Family Loan Sales (SFLS) • FHA Loss Mitigation Claims (Partial Claims, Modification Claims, and PFS/Short Sale Claims) • FHA Supplemental Claims • Conventional (Fannie Mae, Freddie Mac, and other Private Investor) Claims • USDA Claims • Mortgage Insurance (MI) Claims • Pool Insurance Claims • VA Foreclosure Claims (Transfer of Custody (TOC) and 1874 claims) • Title Package Monitoring (FHA and VA) Post-Sale Loss Analysis Review • Full loss review of all claim payments with statistical analysis • Identify and itemize loss amounts, reasons, and responsible parties • Provide feedback to help reduce losses and identify process improvements Consulting • Quality Assurance Reviews • Servicing/Default Operational Reviews • Investor and Servicer Portfolio Acquisition Due Diligence Reviews • Mock HUD Audit Reviews • HUD Audit Project Support • Post Claim Loss Analysis Review • Data Analytics • Retainer-based Consulting Services