866-216-4126

Reg Z

RESCISSION: It's time for another slap on the wrist for state and federal judges.

16 Comments / foreclosure / By

50 years ago Congress decided to slap punitive measures on lenders who ignore or attempt to go around (table-funded loans) existing laws on required disclosures — instead of creating a super agency that would review every loan closing before it could be consummated. So it made the punishment so severe that only the stupidest lenders …

RESCISSION: It's time for another slap on the wrist for state and federal judges. Read More »

FDUTPA:"Per Se" Violations of Deceptive or Unfair trade Practices Under Federal or State Law

5 Comments / foreclosure / By

a per se violation of TILA or any other Federal or State law makes the act also per se violations of the FTC act, (and the applicable little FTC acts passed in various states). Florida is used here as an example.  Get a consult! 202-838-6345 https://www.vcita.com/v/lendinglies to schedule CONSULT, leave message or make payments.   THIS …

FDUTPA:"Per Se" Violations of Deceptive or Unfair trade Practices Under Federal or State Law Read More »

Rescission enforcement actions are the next really big thing

55 Comments / foreclosure / By

For more information on rescission, our rescission package or any other topic, please call 954-495-9867 nor 520-405-1688. =================================== Rescission enforcement actions are the next really big thing. Its effect is to immediately unencumber the property from any claims of lien or mortgage and any claim on the note which is void and must be returned …

Rescission enforcement actions are the next really big thing Read More »

Statute of LImitations Running on Bank Officers Who Perpetrated Mortage Crisis

46 Comments / foreclosure / By

For more information please call 954-495-9867 or 520-405-1688 ============================== see http://www.courant.com/opinion/letters/hc-go-after-mortgage-fraud-perps-20150427-story.html It appears that the statute of limitations might be running out this year on any claim against the officers of the banks that created the fraudulent securitization process. Eric Holder, outgoing Attorney general, made an unusual comment a few months back where he said …

Statute of LImitations Running on Bank Officers Who Perpetrated Mortage Crisis Read More »

TILA (NON-JUDICIAL AND JUDICIAL) Rescission Gets Clearer in Most Respects

10 Comments / foreclosure / By

For further information please call 954-495-9867 or 520-405-1688 ========================= It is becoming crystal clear that with help from a competent attorney the options under the TILA rescission process are (a) different from common law rescission and (b) very effective against “lenders” who can no longer hide behind “presumptions”. LIKE THE PRESUMPTIONS THAT HAVE BEEN STRICTLY …

TILA (NON-JUDICIAL AND JUDICIAL) Rescission Gets Clearer in Most Respects Read More »

Do you know where your loan payments are going? Bet you Don't!

54 Comments / foreclosure / By

For further information please call 954-495-9867 or 520-405-1688 ============================ Submitted from a person who is an anonymous source but who works deep inside an organization where the raw data is available and just to be clear —- I told you so: Bonding experience Subject: Bonding experience Sorry for the title line, low hanging fruit……Anyway, I …

Do you know where your loan payments are going? Bet you Don't! Read More »

Who Are the Creditors?

36 Comments / AMGAR, CDO, Corruption, discovery, evidence, expert witness, foreclosure defenses / By

For litigation support (to attorneys only) and expert witness consultation, referrals to attorneys please call 954-495-9867 or 520 405-1688. Since the distributions are made to the alleged trust beneficiaries by the alleged servicers, it is clear that both the conduct and the documents establish the investors as the creditors. The payments are not made into …

Who Are the Creditors? Read More »

How Do I Use an Expert Declaration?

42 Comments / AMGAR, CDO, Corruption, Eviction, evidence, expert witness, foreclosure, GARFIELD GWALTNEY KELLEY AND WHITE, GTC | Honor, Investor, Mortgage, Servicer / By

With judges under pressure to clear their calendar, the strategy of the banks in delaying prosecution of foreclosure cases is coming to an end. And the opportunity for the borrower, as well as a good reason for action, has just begun. An aggressive approach is more likely to yield good results than any strategy predicated …

How Do I Use an Expert Declaration? Read More »

Notice of Violation Under California Bill of Rights

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

“If we accept the Bank’s argument, then we are creating new law. Under the new law a borrower would owe money to a non-creditor simply because the non-creditor procured the borrower’s signature by false pretenses. The actual lender would be unable to retrieve money paid to the fake lender and the borrower would receive credit …

Notice of Violation Under California Bill of Rights Read More »

9th Circuit Circular Logic: Medrano v Flagstar

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

CHECK OUT OUR DECEMBER SPECIAL! What’s the Next Step? Consult with Neil Garfield For assistance with presenting a case for wrongful foreclosure, please call 520-405-1688, customer service, who will put you in touch with an attorney in the states of Florida, California, Ohio, and Nevada. (NOTE: Chapter 11 may be easier than you think). Editor’s …

9th Circuit Circular Logic: Medrano v Flagstar Read More »

Message on the Forensic TILA Analysis — It's a Lot More Than it Appears

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

Featured Product by The Garfield Firm NEW! 2nd Edition Attorney Workbook,Treatise & Practice Manual For Customer Service call 1-520-405-1688 —————————————————————————– No doubt some of you know that we have had some challenges regarding the Forensic TILA analysis. It’s my fault. I decided that the plain TILA analysis was insufficient for courtroom use based upon the …

Message on the Forensic TILA Analysis — It's a Lot More Than it Appears Read More »

Bringing in the Clowns Through Breach of Fiduciary Duties

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

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: In my many conversations with both attorneys and pro se litigants they frequently express intense frustration about those invisible relationships and entities that permeate the entire mortgage model starting in the 1990’s and continuing to the present day, …

Bringing in the Clowns Through Breach of Fiduciary Duties Read More »

PRIORITY OF LIENS: TWISTED TAIL OF TITLE FRAUD

32 Comments / bubble, CASES, CDO, Corruption, Eviction, evidence, expert witness, foreclosure, foreclosure mill, GTC | Honor, investment banking, Investor, Modification, Mortgage, Motions, Pleading, securities fraud, Servicer, Statutes, trustee / By

THE BOTTOM LINE IS THAT CASE LAW IN VARIOUS CASES REPORTED IN THIS BLOG SHOWS THAT WHEN ONE INSTITUTION CONFRONTS ANOTHER, THE APPARENTLY INFERIOR LIEN BECOMES EITHER SUPERIOR, OR THE ONLY LIEN. CONDOMINIUM ASSOCIATIONS, HOMEOWNER ASSOCIATIONS TAKE NOTE: YOUR LIEN MIGHT BE WORTH THE ENTIRE HOUSE IF YOU FILE FOR A DECLARATORY ACTION RAISING THE …

PRIORITY OF LIENS: TWISTED TAIL OF TITLE FRAUD Read More »

Berating the Raters and Appraisers

7 Comments / bubble, CDO, Corruption, Eviction, expert witness, Fannie MAe, foreclosure, foreclosure mill, Forensic Analysis Workshop, GTC | Honor, HERS, investment banking, Investor, Modification, Mortgage, Motion Practice and Discovery, securities fraud, Securitization Survey, Servicer, Statutes, trustee, workshop / By

“of AAA-rated subprime-mortgage-backed securities issued in 2006, 93 percent — 93 percent! — have now been downgraded to junk status.” Editor’s Note: What homeowners and their lawyers, forensic analysts, and experts need to realize is that the ratings scam on Wall street was only one-half of the equation in a scheme to defraud homeowners. If …

Berating the Raters and Appraisers Read More »

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 …

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

Scroll to Top