Category: Uncategorized

How to Challenge Standing Successfully in a Foreclosure Case

June 11, 2026

Learn how to challenge legal standing in your foreclosure defense. By now, most homeowners who have spent any time researching foreclosure defense have heard the word “standing.” But knowing that standing in foreclosure matters, and knowing how to challenge standing successfully, are two different things. Many homeowners correctly identify standing as an issue but then make a critical mistake. They attack the conclusion instead of attacking the evidence. They argue: “The bank doesn’t own my loan.” Or: “The trust never acquired my mortgage.” Or: “The assignment is fraudulent.” Sometimes those arguments are correct. But courts rarely decide cases based upon

Statute of Limitations Foreclosure Defense: What You Must Know

April 21, 2026

There is one issue in foreclosure cases that many homeowners overlook—and it can change everything. That issue is timing and something called the Statute of Limitations in Foreclosure Defense. Banks and servicers act like they can come after you forever. Like there is no deadline. Like once you fall behind, they can enforce the debt whenever they feel like it. That is not always true. Every state has laws that limit how long a party has to bring a claim. These laws are called statutes of limitations. And when they apply, they can be one of the strongest defenses in

How to Use Legal Discovery to Win Foreclosure Cases

May 30, 2025

Did you know we have a radio show/podcast? We do. And in this powerful episode of the Neil Garfield Show, we dive into how we win foreclosure cases: using legal discovery to expose the truth and challenge the bank’s story. Most people don’t know this, but nearly every foreclosure today is built on shaky ground. The party trying to take your home usually can’t prove they own the debt, and that’s where discovery comes in. Here is a direct link to the show’s episode: Neil Garfield Show The Real Story Behind Most Foreclosures Banks and servicers have been playing a

Discovery in Foreclosure Litigation

April 10, 2025

DISCOVERY: THE MOST POWERFUL TOOL YOU’RE NOT USING IN FORECLOSURE In our experience, one thing remains true across nearly every foreclosure case we see: discovery is your best shot at exposing the truth and forcing the banks to show their cards. But here’s the real tragedy—most homeowners never use it. They sit back, trusting the system or a cookie-cutter defense, and by the time they realize something went wrong, it’s too late. The court has already rubber-stamped the foreclosure. Let’s break this down. What Is Discovery, and Why Should You Care? “Discovery” refers to the legal process where each party can obtain information

Can You Stop Foreclosure Once It Starts?

March 10, 2025

https://livinglies.me/wp-content/uploads/2025/03/IMG_0579.mov A Homeowners Guide Facing foreclosure can be overwhelming, but homeowners should know that they have options. Even after the process begins, there are legal, financial, and negotiation strategies that can help stop foreclosure and save your home. This guide will break down everything you need to know about stopping foreclosure once it starts. Many times, the best defense is going on the offensive against lenders. That’s what we do here at https://livinglies.me/ Our strategies include documenting issues with foreclosing parties based upon fraud and “lack of legal” standing. Just because a lender is suing you for foreclosure does not

Neil Garfield Blog bot for livinglies.me

January 29, 2025

AI enabled search bot for over 7,000 blog posts Most comprehensive study on Foreclosure litigation anywhere I’m very proud to announce our livingles.me site now features an AI chat bot at the bottom of every page. This new chat bot will enable the search of the 7,000 plus blog posts that marked Neil’s remarkable career in Foreclosure litigation nationwide. Please help us test it and give us your feedback! You can’t miss it; it has Neil’s picture on it! Neil Garfield posts started in the wake of the Great Financial crisis of 2008 and continued until he asked me

We just keep winning Foreclosure Cases

January 14, 2025

We keep winning. People ask us all the time about our wins. Our wins can take many forms but to our clients they are all considered wins. For example, if we help a client defend against an illegal foreclosure and the pretend lender drops their case and it’s dismissed; that’s a win. The homeowner stays in their home. Unfortunately, we see these cases get refiled sometimes even with fraudulent transfers of the supposed “debt” to another pretend lender sometimes years later. At the time the homeowner had the resources to only defend against the pretend lender and not to pursue

What makes a Notarized Document Invalid?

December 19, 2024

Understanding the Role of Notarized Documents in Foreclosure Defense When it comes to foreclosure defense, one critical area of focus is the validity of notarized documents. Homeowners facing foreclosure often encounter documents that appear official and binding simply because they bear a notary’s seal. However, not all notarized documents are created equal. In fact, many documents used in foreclosure cases may be invalid due to improper notarization practices. This can open the door for a strong defense. Let’s break down what makes a notarized document invalid and how it impacts your case. What is a Notarized Document? A notarized document

Best Ways to Stop a Foreclosure

December 3, 2024

Are you facing foreclosure? Then this article might help you. When the bank comes knocking, threatening to take your home, it can feel like the end of the world. But let me tell you this: foreclosure is not the end of the road. Homeowners have rights. What are the best ways to stop a foreclosure? Let’s break it down in plain English. Step 1: Know Your Enemy The banks and servicers rely on one thing to push through foreclosures: your lack of knowledge. They’re betting you won’t question their paperwork or demand proof of their authority to foreclose. They operate

Legal Standing and Holder in Due Course

September 24, 2024

When it comes to foreclosure cases, many courts automatically treat the plaintiff—the party bringing the foreclosure—as a “holder in due course,” even though no one specifically asks them to do that. But this isn’t always the correct legal standard. Especially when you know the law and Uniform Commercial Code 3-302 One of our favorite areas of Foreclosure Defense here at Livinglies.me is to challenge the legal standing of the pretend lender to foreclose on our clients. We use it both in our Quiet Title litigation support cases as well as Wrongful Foreclosure cases; often combined with issues of Fraud and

U.S. Bank Admits Their Limited Authority

September 11, 2024

Unveiling the Truth Behind Trustee Roles in Foreclosure US Banks own Brochure is a bombshell revelation In the battle to defend your home from wrongful foreclosure, homeowners often find themselves up against big names like U.S. Bank, Deutsche Bank, or Bank of New York Mellon. These “trustees” appear on foreclosure documents, often leading homeowners to believe these institutions are actively managing their loans and directly pulling the strings in the foreclosure process. But here’s the truth: *They’re not*. Recently, I came across an internal brochure from U.S. Bank that makes their role as trustee crystal clear. It’s like hearing from

Wrongful Foreclosure Case

August 16, 2024

How to Reopen Discovery on a Dead Case: A Strategic Approach to Wrongful Foreclosure In the early days of the foreclosure crisis, as far back as 2008, lawyers representing homeowners were scoring victories against the banks, particularly for violations of the Real Estate Settlement Procedures Act (RESPA) and the Fair Debt Collection Practices Act (FDCPA). However, as the banks tightened their grip and the legal landscape evolved, reopening discovery on what many might consider a “dead case” became a daunting challenge. Yet, it’s not impossible. There’s a method, often overlooked, that can breathe new life into your case and compel

Another win with Quiet Title Action

July 25, 2024

Our head of Research, Donna Steenkamp, was instrumental in doing the kind of research and documentation of evidence that reversed a bad lower court ruling

Foreclosure defense by Scrutinizing Names vs. Entities

July 2, 2024

In the complex world of mortgage and foreclosure proceedings, the use of names can be more about creating an appearance than representing genuine legal entities. Terms like “bankruptcy remote,” “liability remote,” and “reality remote” are often employed to shield transactions from legal scrutiny, without any actual legal person or entity standing behind them. For anyone who has signed a mortgage and note, there’s a legitimate reason to question the existence of debt claimed by banks and financial institutions. Often, these claims are implied rather than clearly stated, raising concerns of deception and misleading practices. Banks understand their vulnerability on this

How to fight foreclosure

May 30, 2024

Exposing the Fraud in Foreclosure: How LivingLies.me Can Help You Fight Back How to Fight Foreclosure: Behind the scenes of foreclosure, there’s a maze of lies and complexity. The real story of mortgage transactions is often hidden under layers of financial trickery called securitization. Let’s break it down and see how the big banks use this system to commit fraud and injustice, and how the team at LivingLies.me can help you fight back. The Truth About Securitization Securitization is a fancy term for a process that makes mortgages look like traditional loans when they’re not. Big financial institutions like Citi,

Role of Discovery in Foreclosure Litigation

May 20, 2024

Understanding the Crucial Role of Discovery in Foreclosure Lawsuits Discovery in Foreclosure Litigation: In the realm of litigation, particularly in complex cases such as foreclosure, the process of discovery plays a pivotal role. Neil Garfield would always emphasize that the success or failure of a case often hinges on the effective execution of discovery and the subsequent follow-up actions. This blog delves into the nuances of why discovery is critical, how it should be conducted, and the ramifications of inadequate follow-up. The blog also highlights the challenges faced by pro se litigants and some practicing lawyers, underscoring the importance of

Ocwen guilty of wrongful foreclosure

May 10, 2024

Have you been the victim of a wrongful foreclosure? Did it involve Deutsche Bank or Option One Mortgage Corporation later named Sand Canyon Corporation and later bought by Ocwen? Our legal team is reserching a possible wrongful foreclosure action against Ocwen. If you have been harmed by these entities you should contact our office by phone, email or by submitting a free case registration statement. Ocwen has been found guilty of so much wrongdoing it’s hard to keep track of the lawsuits and settlements by them. I’ve seen first-hand, alongside my mentor Neil Garfield, the numerous wrongful foreclosures conducted by

New Team Members

April 10, 2024

Please Welcome new team members to Living lies Our fight against illegal foreclosures continues… as a practicing attorney, Richard has reviewed over (400,000) foreclosure cases for clients and provided detailed forensic analysis based on the foreclosure suit filed against the homeowner by the bank and servicer of the loan. His combined experience in foreclosure defense litigation and a working knowledge of the mortgage industry stems from investigating foreclosure fraud, chain of title, issues related to the securitization of residential mortgage loans, and formulating litigation discovery and strategies to the trending issues. Rich’s service to clients as record counsel resulted in

Quiet Title

March 28, 2024

It is no secret that foreclosure filings are rising. Plenty of data to support that. The state of the US housing market is at its worst since the Great Depression, despite encouraging news falsely broadcasted by the news media. Articles, white papers, governmental agencies and Senate Subcommittee postmortem investigations on the cause and status of the struggling housing industry since 2008, have completely ignored or missed critical violations of law, tax code and facts that would expose the events and actions unlawfully undertaken by large banking institutions, non-bank lenders and loan servicers. It’s no surprise that mega institutions are

Received a letter from Covius Document services?

February 13, 2024

https://livinglies.me/wp-content/uploads/2024/02/Untitled-video-Made-with-Clipchamp-5-1-1-1.mp4 If I didn’t take the time to outline the confusing structure of Covius and their cronies most would not believe it. I learned this from my mentor Neil Garfield and he went into it in great detail with me. I was frankly shocked at the lengths these entities go to in hiding their real identity, who they really work for, and what their real objective is. Do not believe that their agenda is to help homeowners who may be in financial distress.. Trust me, our team here at livinglies are not thrown off the trail of what’s really going on. Here