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Ready to jump back into the Mortgage Minefield? Take these precautions.

6 Comments / foreclosure / By

by K.K. McKinstry/Lendinglies.com Despite knowing what I know about the corrupt practices of the Federal Reserve, Government sponsored enterprises- Fannie Mae and Freddie Mac; not to mention originators, lenders, trustees, and the banks themselves- I decided the benefits of home ownership outweighed the risks and decided to jump back into the lending minefield in order …

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Servicer Advances: More Smoke and Mirrors

86 Comments / AMGAR, Corruption, escrow agent, evidence, expert witness, foreclosure, foreclosure defenses, foreclosure mill, GARFIELD KELLEY AND WHITE, GTC | Honor, investment banking, Investor, MBS Trustee, Modification, Mortgage, Motions, Servicer, Trust Beneficiaries, trustee / By

Several people are issuing statements about servicer advances, now that they are known. They fall into the category of payments made to the creditor-investors, which means that the creditor on the original loan, or its successor is getting paid regardless of whether the borrower has paid or not. The Steinberger decision in Arizona and other …

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Banks Still Out Cheating Their Customers and Everyone Else

13 Comments / Corruption, evidence, expert witness, Fannie MAe, foreclosure, foreclosure defenses, foreclosure mill, GARFIELD KELLEY AND WHITE, investment banking, Investor, MBS Trustee, Modification, Mortgage, Motions, Neil Garfield Show, Pleading, securities fraud, Servicer, Trust Beneficiaries, trustee / By

It is easy to think of the mortgage meltdown as a period of time in which the banks went wild. Unfortunately that period of time never ended. They are still doing it. The level of sophistication it takes to do the kinds of things that banks have been doing for the last 20 years is …

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EMINENT DOMAIN IS NOW IN PLAY: MORTGAGES BEING SEIZED

95 Comments / CDO, Corruption, eminent domain, Eviction, foreclosure, GTC | Honor, Investor, Mortgage / By

One of the interesting things about the news media and its relationship with the Wall Street banks is that the real events happening out in the marketplace are completely disregarded by virtually everyone if the event would encourage similar efforts to challenge or replace the toxic mortgages that litter the landscape of the financial marketplace. …

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BOA, Urban Lending Sued for Rackateering on Fraudulent "Modification" Program

382 Comments / AMGAR, Corruption, Fannie MAe, foreclosure, foreclosure mill, GARFIELD GWALTNEY KELLEY AND WHITE, GTC | Honor, Investor, Modification, Mortgage, Pleading, securities fraud, Servicer, Statutes / By

In a case that may have far-reaching consequences, a lawsuit was filed in federal court in Colorado accusing Bank of America of racketeering, which is what borrowers have been screaming about for years. It was a game to the bank. They intentionally lured people into what they thought was a good faith modification program, encouraged …

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The Truth Keeps Coming: When Will Courts Become Believers?

136 Comments / bubble, CDO, Corruption, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud / By

If you are seeking legal representation or other services call our Florida customer service number at 954-495-9867 (East Coast) and for the West coast the number remains 520-405-1688. Customer service for the livinglies store with workbooks, services and analysis remains the same at 520-405-1688. The people who answer the phone are NOT attorneys and NOT …

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STUDENT DEBT — Reduction Suggested, Especially for Medical Students

96 Comments / bubble, CDO, Corruption, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud / By

The first thing to think about is how many of these student loans were securitized or are subject to claims of securitization and assignments. Based upon anecdotal evidence collected thus far, most of them were securitized. That means that many of the defenses suggested for mortgage foreclosures are equally applicable to student loans. AND it …

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NO Reason to Modify: Banks Foreclosed to Collect 100 cents on the Dollar from the Government

38 Comments / foreclosure / By

Featured Products and Services by The Garfield Firm NEW! 2nd Edition Attorney Workbook,Treatise & Practice Manual LivingLies Membership – Get Discounts and Free Access to Experts For Customer Service call 1-520-405-1688 Editor’s Comment: The math is simple which is why we are now offering as part of a forensic loan specific analysis, a HAMP analysis …

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Reg Z TILA Amendment requires new owners and assignees of mortgage loans to notify consumers of the sale or transfer

6 Comments / bubble, CDO, Corruption, currency, Eviction, expert witness, Fannie MAe, foreclosure, HERS, Investor, Modification, Mortgage, securities fraud, Servicer / By

The Federal Reserve Board has issued an interim final rule under Regulation Z to implement the recent Truth in Lending Act (TILA) amendment that requires new owners and assignees of mortgage loans to notify consumers of the sale or transfer. While mostly helpful in foreclosure defense,  the rule leaves open the question of ownership of …

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