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NEW LOAN CLOSINGS — BEWARE!!!— NonJudicial Deeds of Trust Slipped into New Mortgage Closings in Judicial States

21 Comments / foreclosure / By

For more information please call 520-405-1688 or 954-495-9867 ==================================== IF YOU ARE HAVING A CLOSING ON A REFI OR NEW LOAN BEWARE OF WHAT DOCUMENTS ARE BEING USED THAT WAIVE YOUR RIGHTS TO CONTEST WRONGFUL FORECLOSURES — GET A LAWYER!!! ==================================== http://www.creditslips.org/creditslips/2014/12/foreclosure-news-who-gets-to-decide-whether-a-state-is-a-judicial-foreclosure-state-or-a-non-judicia.html#more EDITOR’S NOTE: It is no secret that the Bank’s have a MUCH easier …

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Donald Duck Loans: Void Note, Void Mortgage and Recovery of all payments made by borrower in REVERSE FORECLOSURE

69 Comments / foreclosure / By

Click in to tune in at The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays ========================= For further information or assistance please call 954-495-9867 or 520-405-1688 ————————————— Hat Tip to Patrick Giunta, Esq., Senior litigator and manager of litigation for the livinglies team. see 18th Judicial Circuit BOA v Nash VOID …

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Powers of Attorney — New Documents Magically Appear

7 Comments / AMGAR, Corruption, escrow agent, evidence, expert witness, foreclosure defenses, GTC | Honor, investment banking, Investor, MBS Trustee, Modification, Mortgage, Motions, Neil Garfield Show, originator, Pleading, securities fraud, Servicer, Statutes, taxes, Title, Trust Beneficiaries, trustee / By

For more information on foreclosure offense, expert witness consultations and foreclosure defense please call 954-495-9867 or 520-405-1688. We offer litigation support in all 50 states to attorneys. We refer new clients without a referral fee or co-counsel fee unless we are retained for litigation support. Bankruptcy lawyers take note: Don’t be too quick admit the …

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National Honesty Day? America's Book of Lies

10 Comments / AMGAR, CASES, Corruption, evidence, expert witness, Fannie MAe, foreclosure, foreclosure defenses, foreclosure mill, GTC | Honor, investment banking, Investor, MBS Trustee, Modification, Mortgage, Pleading, securities fraud, Servicer, Trust Beneficiaries, trustee / By

Today is National Honesty Day. While it should be a celebration of how honest we have been the other 364 days of the year, it is rather a day of reflection on how dishonest we have been. Perhaps today could be a day in which we say we will at least be honest today about …

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BONY Objections to Discovery Rejected

12 Comments / CASES, Corruption, evidence, foreclosure defenses, GARFIELD KELLEY AND WHITE, GTC | Honor, Investor, MBS Trustee, Modification, Mortgage, Motions, Pleading, Servicer, Title, Trust Beneficiaries, trustee / By

Click to Tune in or Download The Neil Garfield Show Or call in at (347) 850-1260, 6pm Thursdays It has been my contention all along that these cases ought to end in the discovery process with some sort of settlement — money damages, modification, short-sale, hardest hit fund programs etc. But the only way the …

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Hearsay on Hearsay: Bank Professional Witnesses Using Business Records Exception as Shield from Truth

47 Comments / CASES, Corruption, evidence, expert witness, Fannie MAe, foreclosure, foreclosure defenses, foreclosure mill, GARFIELD KELLEY AND WHITE, GTC | Honor, investment banking, Investor, MBS Trustee, Modification, Mortgage, Motions, originator, Pleading, securities fraud, Servicer, Statutes, Title, Trust Beneficiaries, trustee / By

Wells Fargo Manual “Blueprint for Fraud” Hat tip to my law partner, Danielle Kelley, Esq., for sending me the manual and the reports on it. Anyone desirous of a consultation on the application of what is on this blog, must either be a lawyer or have a lawyer who is licensed in the jurisdiction in …

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Quite a Stew: Wells Fargo Pressure Cooker for Sales and Fabricated Documents

42 Comments / bubble, Corruption, evidence, expert witness, Fannie MAe, foreclosure, foreclosure defenses, foreclosure mill, GARFIELD KELLEY AND WHITE, GTC | Honor, investment banking, Investor, MBS Trustee, Modification, Mortgage, Neil Garfield Show, originator, Pleading, securities fraud, Servicer, Title, Trust Beneficiaries, trustee / By

Wells Fargo Investigated by 4 Agencies for Manual on Fabricating Foreclosure Documents Wells Fargo is under investigation for a lot of things these days, just as we find in Bank of America and other major “institutions.” The bottom line is that they haven’t been acting very institutional and their culture is one that has led …

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PICK-A-PARTY — BOA – RED OAK – Countrywide Merger Revealed in all its "Glory"

108 Comments / AMGAR, CASES, Corruption, evidence, expert witness, foreclosure defenses, GARFIELD KELLEY AND WHITE, investment banking, Investor, MBS Trustee, Modification, Mortgage, Pleading, securities fraud, Servicer, Statutes, Title, Trust Beneficiaries, trustee / By

Maybe now I will get something other than a blank look when I referred to anomalies in what appears to be the merger of Bank of America with Countrywide. For about 18 months now I have been saying that there is something wrong with that report, because the documents in the public domain show two …

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Rhode Island Supreme Court Steps Forward for Borrowers

154 Comments / CASES, Corruption, evidence, expert witness, foreclosure, foreclosure defenses, GARFIELD KELLEY AND WHITE, GTC | Honor, investment banking, Investor, Mortgage, Motions, Pleading, Servicer, Statutes, Trust Beneficiaries, trustee / By

Slowly but surely it seems that the court system are now taking notice of the fact that there is something intrinsically wrong with both the mortgages and the foreclosure process. In this case the Rhode Island Supreme Court specifically found the grounds that could establish that the mortgage was not validly assigned. This case was …

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Wall Street Analysts Don't Get It

98 Comments / Corruption, evidence, expert witness, Fannie MAe, foreclosure, foreclosure defenses, foreclosure mill, GTC | Honor, investment banking, Investor, Modification, Mortgage, Pleading, Servicer, Trust Beneficiaries, trustee / By

I am not in the habit of giving investment advice and I am not about to start. But it has come to my attention that there are numerous pundits who call themselves analysts that are pumping the stock of Bank of America. I know how this works, but besides the corruption their articles reflect a …

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US Bank, BofA, LaSalle Bank and Other Trustees Slammed the Door on Their Own Toes

74 Comments / CASES, Corruption, expert witness, Fannie MAe, foreclosure, foreclosure mill, GARFIELD KELLEY AND WHITE, GTC | Honor, investment banking, Investor, MBS Trustee, Modification, Mortgage, Motions, Pleading, securities fraud, Servicer, Trust Beneficiaries, trustee / By

NOTE: THE FOLLOWING IS A LEGAL ANALYSIS THAT MAY OR MAY NOT APPLY TO CASES ON WHICH YOU ARE WORKING. IT IS REALLY MEANT FOR ATTORNEYS WHO ARE REPRESENTING PARTIES IN FORECLOSURE LITIGATION. No lay person should assume that anything in this article is true or applies to their case. Nobody should use this information …

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The Devil Is In the Details: Summary of Issues

3 Comments / CASES, Corruption, Eviction, evidence, expert witness, Fannie MAe, foreclosure, foreclosure mill, GARFIELD KELLEY AND WHITE, investment banking, Investor, Modification, Mortgage, Motions, Pleading, securities fraud, Servicer, Trust Beneficiaries / By

Editor’s note: in preparing a complex motion for the court in several related cases I ended up writing the following which I would like to share with my readers. As you can see, the issues that were once thought to be simple and susceptible to rocket docket determination are in fact complex civil cases involving …

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The US BANK-BOA-LaSalle-CitiGroup Shell Game

27 Comments / CASES, CDO, Corruption, Eviction, evidence, expert witness, Fannie MAe, foreclosure, foreclosure mill, GARFIELD KELLEY AND WHITE, GTC | Honor, investment banking, Investor, Modification, Mortgage, Pleading, securities fraud, Servicer, Statutes, trustee / By

‘The bottom line is that the notice of substitution of Plaintiff in judicial states, or notice of substitution of Trustee in non-judicial states should be the first line of battle. Neither one of them is valid and in both cases you have a stranger to the transaction being allowed to name itself as creditor, name …

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Why Are We having So Much Trouble Connecting the Dots?

195 Comments / CDO, Corruption, evidence, expert witness, Fannie MAe, foreclosure, foreclosure mill, GARFIELD GWALTNEY KELLEY AND WHITE, investment banking, Investor, Modification, Mortgage, Motions, Pleading, Servicer / By

Matt Weidner reports that he went to court on a case where IndyMAc was the plaintiff. IndyMac was one of the first banks to collapse. It was found that they owned virtually zero mortgages and had “securitized” the rest which is to say they never loaned the money or got paid off by a successor. …

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2 Florida Cases Decided in Favor of Borrower

60 Comments / CASES, Corruption, evidence, foreclosure, foreclosure mill, GARFIELD GWALTNEY KELLEY AND WHITE, Mortgage, Motions, Pleading, Servicer / By

The Wadsworth case clearly shows that the appellate courts are requiring the trial court to scrutinize the claims and filings of would-be forecloser and that things like notice of acceleration and the right to cure are important enough to reverse summary judgment. This is directly contrary to the rulings of many judges who say that …

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Fannie and Freddie Demand $6 Billion for Sale of "Faulty Mortgage Bonds"

58 Comments / Corruption, evidence, expert witness, Fannie MAe, foreclosure, GARFIELD GWALTNEY KELLEY AND WHITE, investment banking, Investor, Modification, Mortgage, Motions, Pleading, securities fraud, Servicer, trustee / By

You read the news on one settlement after another, it sounds like the pound of flesh is being exacted from the culprits again and again. This time the FHFA, as owner of Fannie and Freddie, is going for a settlement with Bank of America for sale of “faulty mortgage bonds.” And most people sit back …

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Gretchen Morgenson: Tide Turning as Judges Get Irritated by Bank and Lawyer Behavior

46 Comments / CDO, Corruption, evidence, foreclosure, foreclosure mill, GARFIELD GWALTNEY KELLEY AND WHITE, investment banking, Investor, Modification, Mortgage, Motions, Pleading, securities fraud, Servicer, Statutes / By

“Two recent rulings — one in New York involving Bank of America and one in Massachusetts involving Wells Fargo — serve as examples. In the Wells Fargo case, a ruling on Sept. 17 by Judge William G. Young of Federal District Court was especially stinging. In it, he required Wells Fargo to provide him with …

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How Does Insurance Payee Match Up with Claims of Ownership of the Loan?

26 Comments / Corruption, evidence, expert witness, foreclosure, GARFIELD GWALTNEY KELLEY AND WHITE, investment banking, Investor, Modification, Mortgage, Pleading, securities fraud, Servicer, trustee / By

There have been many admissions by government officials and even parties to the litigation over mortgage Foreclosures to the effect that at this point the ownership of most loans is in doubt. Even President Obama said it, reflecting the views and advice of the senior advisors at the White House. On appeal, recently in California, …

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Quicken Loans Cut to the Quick for $3.5 million on $180k Loan

16 Comments / AMGAR, CDO, Corruption, Eviction, foreclosure, GARFIELD GWALTNEY KELLEY AND WHITE, GTC | Honor, Investor, Mortgage, securities fraud, Servicer / By

“[Customers and employees] accuse the company of using high-pressure salesmanship to target elderly and vulnerable homeowners, as well as misleading borrowers about their loans, and falsifying property appraisals and other information to push through bad deals…. A group of ex-employees, meanwhile, have gone to federal court to accuse Quicken of abusing workers and customers alike. …

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SEC Waking Up: Madoff Conspirators Face Charges — Now About Those Mortgage Bonds

58 Comments / CDO, Corruption, Eviction, foreclosure, GARFIELD GWALTNEY KELLEY AND WHITE, GTC | Honor, Investor, Mortgage, securities fraud / By

If you are seeking legal representation or other services call our South Florida customer service number at 954-495-9867 and for the West coast the number remains 520-405-1688. In Northern Florida and the Panhandle call 850-765-1236. Customer service for the livinglies store with workbooks, services and analysis remains the same at 520-405-1688. The people who answer …

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OCC Announces EverBank Agrees to Pay $37 Million to Customers, $6.3 Million to Housing Assistance Groups

11 Comments / CDO, Corruption, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud / By

Internet Store Notice: As requested by customer service, this is to explain the use of the COMBO, Consultation and Expert Declaration. The only reason they are separate is that too many people only wanted or could only afford one or the other — all three should be purchased. The Combo is a road map for …

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Federal Agent Misconduct in Favor of BofA and McCarthy Holthus and Levine law firm?

30 Comments / CDO, Corruption, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud / By

HAS FORECLOSURE DEFENSE BECOME A TERROR THREAT? WHO IS TERRIFIED HERE? This is a story about abuse of power or abuse of apparent power. The object is to cover-up crimes that remain largely undetected because the complex maze created by the “Thirteen Banks.”The stakes could not be higher. Either the current major Banks will be …

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