How to stop a Foreclosure sale For many homeowners, obtaining a Temporary Restraining Order (TRO) feels like crossing the finish line. The foreclosure sale has been stopped. The immediate crisis has passed. Everyone can finally breathe. Unfortunately, that is usually only the beginning. A TRO is designed to preserve the status quo for a very …
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. …
How to Use Legal Discovery to Win Foreclosure Cases Read More »
https://livinglies.me/wp-content/uploads/2025/03/IMG_0579.mov Understanding Chapter 13 Bankruptcy and Foreclosure While our primary focus here at Livinglies.me is not bankruptcy, it is an important option to homeowners seeking to save their home from foreclosure. Sometimes, when homeowners come to us late in the foreclosure process, an emergency Bankruptcy is the only option. Don’t wait until it’s too late …
Neil Garfield and I have been fighting illegal foreclosures for over 20 years. Here at Livinglies.me sometimes we win big and get the house back after foreclosure and eviction. Wins can come in all forms for us in the Foreclosure Litigation support arena. Here is our latest win in the making in the state of …
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 …
Thursdays LIVE! Click in to the WEST COAST Neil Garfield Show with Charles Marshall and Bill Paatalo Or call in at (347) 850-1260, 6pm Eastern Thursdays The 2008 crash may seem like 12 years ago. Yet the conditions persist – victimizing both homeowners and investors. Homeowners still have no frame of reference or education as to how …
Tonight! Don't stop fighting or thinking about tomorrow! 3pm PDT 6PM EDT Read More »
The real parties in interest are trying to make money, not recover it. The Wilmington Trust case illustrates why borrower defenses and investor claims are closely aligned and raises some interesting questions. The big question is what do you do with an empty box at the bottom of an organizational chart or worse an empty …
Impact of Serial Asset Sales on Investors and Borrowers Read More »
The banks were not taking risks. They were making risks and profiting from them. Or another way of looking at it is that with their superior knowledge they were neither taking nor making risks; instead they were creating the illusion of risk when the outcome was virtually certain. Securitization as practiced by Wall Street and …
Can you really call it a loan when the money came from a thief? Read More »
Don’t wait until we find out what Trump really means to do as President. We should make up his mind and express outrage to him and all sitting Senators, Congressman, Governors, State legislators, law enforcement, County and City Government and even the Courts. This election is not over, unless we let it be over and …
The promise by some title search vendors of a cheap lawsuit that will get rid of your mortgage is generally not based in reality. You might be able to beat a foreclosure with title issues but you probably won’t get rid of the mortgage or deed of trust without pleading and proving that the mortgage …
Lehman had nothing to do with the loan even at the beginning when the loan was funded, it acted as a conduit for investor funds that were being misappropriated, the loan was “sold” or “transferred” to a REMIC Trust, and the assets of Lehman were put into a bankruptcy estate as a matter of law. …
It was impossible to trace the majority of the mortgage loans on the over 300 homes sold by DSI that were the subject of the FBI investigation; it would have been harder yet to identify individual victims of the fraud given that the mortgages were securitized and traded. (Emphasis added.) THE FOLLOWING ARTICLE IS NOT …
Not even the Federal Government Can Determine Who owns Your Loan Read More »
This is for general information only. For further information please call 954-495-9867 or 520-405-1688 Consult a lawyer before making any decisions based upon the content of this article or anything else on this blog. ==================================== see http://www.mpamag.com/news/foreclosure-settlement-funds-misspent-26697.aspx The media and the Bank lobby keep referring to illegal activity, risky or mismanagement. I call it a …
COVER-UP: Whatever Happenned to Those Settlements? Read More »
For more information please call 954-495-9867 or 520-405-1688 This is for general information only. Get a lawyer. ====================== see http://dsnews.com/news/10-30-2015/senators-call-federal-regulators-to-action-on-zombie-foreclosures It seems ridiculous. Why would a lender reject a workout, reject modification, reject a short sale and insist on a foreclosure — and then walk away from the property? Why has this not been a …
You know something stupid is going on when you see tens of millions of dollars spent on ads enticing consumers to get a loan at 2.99%. There is no profit at that rate so something else is going on — leading to the conclusion that disclosure from the start has been misleading — unknown to …
Old Habits Die Hard: Rescission Confusion Continues Despite Supreme Court Clarity Read More »
For further information please call 954-495-9867 or 520-405-1688 ============================== http://www.dailybusinessreview.com/home/id=1202719316326/Florida-Supreme-Court-to-Visit-LenderFriendly-Foreclosure-Rulings?mcode=1202617073880&curindex=0&slreturn=20150203104522 “Kafaesque” is the term being applied to the state of Florida law on foreclosures. If you have commercial property then you have rights, but if it is your home, then maybe you don’t. Due process has been shattered for homeowners while complete strangers take their …
Florida Supreme Court Considers Clearing up Conflicts on Statute of Limitations Read More »
For further information please call 954-495-9867 or 520-405-1688 ================================= see 2014-sc13-2384 It would seem that the Florida Supreme Court has been listening and watching very closely. The new rules corroborate many things stated in this blog. Still to come are ruling or rules dealing with discovery in support of the homeowner’s defenses. This is effective …
Despite various “reports” from the Obama Administration and writers in the fields of real estate, mortgages and finance, the crisis is still looming as the main drag on the economy. Besides the fact that complete strangers are “getting the house” after multiple payments were received negating any claim of default, it is difficult to obtain …
Pretender Mender: Foreclosure Crisis Continues to Rise Despite Obama Team Reports Read More »
MISSION STATEMENT: I believe that the mortgage crisis has produced manifest evil and injustice in our society. I believe our recovery will never reach the majority of struggling Americans until we restore equal protection for all citizens and especially borrowers in our debt-ridden society. LivingLies is the vehicle for a collaborative movement to provide homeowners …
Why You Need an Expert Witness and Why You Should be Aggressive in Discovery Read More »
I know it doesn’t make sense. Why would a lender falsify documents in order to make a loan? I had a case in which a major regional bank had their loan representatives falsify loan documents by having the borrower certify that there were houses on his two vacant lots. The bank swore up and down …
EDITOR’S NOTE: The dots are starting to get connected. Here JP Morgan who said they were the successor for everything that was WAMU turns out to be arguing that this didn’t actually happen and that some money is still left in the WAMU “estate.” The issue that is not raised is what else is in …
JP Morgan Sues FDIC for WAMU Cash Over Disputed Mortgage Bonds Read More »
Thanks to all who inquired about my health. I am fine. Just busy with cases getting ready for trial. Recent trends show a number of things. First, more actual judgments are being rendered in favor of borrowers. Sometimes, it is procedural, like the statute of limitations that limits actions to 5 years in Florida. But …
The fundamental paradigm shift that is coming is that the banks are the deadbeats, not the borrowers. The borrowers are seeking to enforce a fair deal; the banks are seeking to steal and lie their way through the PONZI scheme we called “Securitization.” —Neil F Garfield, Livinglies.me If you are seeking legal representation or other …
Danielle Kelley Looks at New Florida Law: Pitfalls and Possibilities Read More »
13 Questions Before You Can Foreclose foreclosure_standards_42013 — this one works for sure 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 …
The Goal is Foreclosures and the Public, the Government and the Courts Be Damned Read More »
