SETTLEMENT NEGOTIATIONS: WHEN THE HOMEOWNER WINS IN LITIGATION, in every case the banks pay amazing amounts of money to the homeowner (and their lawyer) in order to get agreement on sweeping the case under the rug. Homeowners and their lawyers must realize that the settlement value of their case may be worth 1000 times the …
Message to Homeowners Who Have Won Their Cases — Your Demands are Too Low Read More »
For further information please call 954-495-9867 or 520-405-1688. This for general information only and NOT an opinion on your case. ================================ I was responding to a client about the goals in opposing the wrongful foreclosures. These are hard to write or say. It might seem to be a contradiction in terms to walk away with …
Martha Coakley gets it. Read her letter. Being a politician she does not say that the abstract fear of strategic defaults on all loans across the board is absurd. Well, actually she does say it. Principal reductions and ending patently illegal policies preventing homeowners from buying back their own property at auction are at the …
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 …
Neil F Garfield, July 1, 2013: Modification “experts” are criticizing what they see on this site. It gives them the willies to think that they are participating in a fraud or enabling a fraud when they modify a loan with someone who doesn’t own it. So lately they are saying that the articles here have …
It is FACT not THEORY: Money Trail is a Trail of Facts; Paper Trail is a Trail of Lies Read More »
Whether it is just battle fatigue or simply good business sense, homeowners are looking at short sales, getting cash for keys and trying to get relocation fees to move. The banks are loosening up their standards for short-sales because failure to do so clearly reveals their malevolent intent to steal homes that they could not …
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: This is why I am re-starting my seminar tours. The information out there is disinformation and in this case sellers don’t realize …
Zillow Raises Estimate Again: 16 Million Homes Underwater Read More »
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 and Analysis: There is only one way this isn’t an outright bribe that should land the senator in jail — and that …
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 Editor’s Comment: The very same people who so ardently want us to remain strong and fight wars of dubious foundation are the ones who vote against those who serve …
OK LAWYERS, STEP UP TO THIS ONE — It is literally a no- brainer Read More »
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: They were using figures like 12% or 18% but I kept saying that when you take all the figures together and just …
Now They See the Light — 40% of Homes Underwater Read More »
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: As if on queue this story appears. I have been warning buyers of short sales that they face strong headwinds in maintaining …
MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 U.S. home short sales surpass foreclosure deals for first time Editor’s Comment: Well of course short sales will be higher than REO sales. REO sales of foreclosed property where the bank or its agent owns the property presents a virtually …
Don't leave or enter short sale home without quiet title and adequate title insurance. Read More »
MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 “The bottom line is that the value of a homeowner’s signature is going up and might be the best investment in existence. The walls are closing in on trillions of dollars in real estate that could be the subject of …
Why the Banks Are Paying You to Sign the Deed in a Shortsale Read More »
MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: I usually tell people not to do anything that automatically puts them in a worse position than when they started, so that is usually taken to mean that you should keep paying. The question of strategic default in a short-sale or …
Do You Stop Paying While You Pursue Short-Sale or Modification? Read More »
MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Bank of America Offering Cash for Keys Posted on October 11, 2011 by Mark Stopa http://www.stayinmyhome.com/blog/?p=1819Saturday’s St. Pete Times had an interesting article about how Bank of America is offering cash to homeowners who are delinquent on their mortgage payments. http://www.tampabay.com/news/business/realestate/article1195778.ece Instead of …
MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE SEE BarnesOrder VS US BANK, GMAC, ASC This might well be the smoking gun that proves, with the actions of the banks and servicers, that they have no actual interest in the debt when they foreclose and that they are acting against the …
MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: As we turn the corner and enter a new inning in the “game” of securitization, the real issues are starting to erupt as the players get nasty with each other and not just with homeowners. As pointed out to me recently …
TITLE ISSUES ERUPT BETWEEN THE GIANTS OF THE INDUSTRY Read More »
COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary EDITOR’S NOTE: This is exactly the result you can expect when you allow anyone to play the part of the creditor and submit a “credit bid” (no money at auction) or selling the house on a short-sale, pretending that they can execute a satisfaction of …
SERVICES YOU NEED “Here is a simpler explanation: the financial services industry is throwing more paper at the system than it can handle. So they are getting away with “representations” rather than solid evidence and proof. If Judges would require at least a copy of the title report, this case would not have occurred — …
Wrongful Foreclosure Hits Cash Short-Sale Buyers Too: What? Ask Bank of America! Read More »
SERVICES YOU NEED AUTHORITY AND AGENCY In “Fair Game” Gretchen Morgenson continues to unravel the failing process of “saving homes” while the world ignores the simple truth that legally the homes are in no jeopardy but for the pranks and illusions created by the pretender lenders. There is no valid foreclosure, auction, mediation, modification, short-sale, …
MEDIATIONS, MODIFICATIONS, SHORT-SALES AND SETTLEMENTS Read More »
livinglies-general-store livinglies-newsletter-provides-more-strategic-info POLICY CHECK: The issue is not “principal reduction” or even “short-sale”. The issue is obvious. The “values” used in the marketplace were accepted because of lies that people relied upon, whether it was reasonable for them to have relied on those lies or not. It is not “principal reduction” that will correct the …
"PRINCIPAL CORRECTION": INDUSTRY AND GOVERNMENT BLOCKING SHORTSALES Read More »
Wall Street didn’t merely siphon off unearned money, wealth and guarantees from homeowners, bank depositors and taxpayers. They screwed up title on what appears to be more than 60 million transactions — so even refi’s might now have rendered the title to be uninsurable or unmarketable. Big Banks Accused of Short Sale Fraud No surprise …
see how-to-negotiate-a-modification See Template-Lawsuit-STOP-foreclosure-TILA-Mortgage-Fraud-predatory-lending-Set-Aside-Illegal-Trustee-Sale-Civil-Rico-Etc Includes QUIET TITLE and MOST FEDERAL STATUTES — CALIFORNIA COMPLAINT See how-to-buy-a-foreclosed-house-its-a-business-its-an-opportunity-its-a-risk My statements here relate to general information and not legal advice. Generally we the vast majority of short-sales fail. Whatever the reason told to you, the real reason is that there is trouble amongst the ankle-biters on Wall Street and …
