TILA audit

Amnesty for Banks: Call Your Attorney General Today to Oppose Mortgage Settlement

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: The proposed AG settlement is virtual amnesty for the Banks. For a tiny fraction of what they have stolen and are still in process of stealing, they get away with the largest economic crime in human history. This is crazy. Let …

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Dead Pledgers: Is Home Ownership a Fraud?

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: I agree with the main point of this article by Shedlock (see below) — that home-ownership in this country has morphed into a disguised rental, using the banks as middlemen. I disagree that providing restitution to borrowers who were defrauded by …

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Weidner: There is no Such Thing As A FREE HOUSE

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT There is no Such Thing As A FREE HOUSE and why there are no foreclosure trial appellate decisions. January 19th, 2012 | Author: Matthew D. Weidner, Esq. I have had an extraordinary number of my foreclosure cases dismissed in the last year. The …

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Black Clergy Backing Occupy the Dream Movement

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: While it’s good to see more people involved and also good to see them encouraging transfer money out of the big banks, dilution of the message is frustrating.  Perhaps the organizers can rally to get things focused on point…  or perhaps …

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Just Say No — Strategic Defaults Spreading Virus — Christian Science Monitor

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: Based upon the calls and emails I receive it would appear that strategic defaults are increasing at an increasing rate of growth, which is why it is being referred to as a virus. In 2010 the Mortgage Bankers Association calculated the …

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TD Bank Slammed with $67 Million in Aiding Ponzi Scheme

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Dear Lawyers Who Would Like to Make a Ton of Money: Here is a case where the guilt and liability of the Bank (read that as Deep Pocket) was predicated upon circumstantial and direct evidence — the kind of thing that you are …

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Squatters Benefits and Adverse Possession: Show Me the Money!

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT  EDITOR’S COMMENT: It is difficult to compute because of the very nature of the problem. But from my perch it looks like more and more people are standing up to the Banks and getting their pound of flesh back one way or another. …

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Reuters: World Bank Slashes Global GDP forecasts, Outlook Grim

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: As long as we pretend that our mission in life is to protect the Banks that did this to us, these forecasts will  be cut over and and over again. We have a cancer growing on our world economy. It is …

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Class Action — Chase Accused of Brazen Bankruptcy Fraud

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT “Through the use of fabricated assignments, endorsements and affidavits that purport to transfer deeds of trust, notes and the rights to all monies due under the terms of tens of thousands of non-negotiable promissory notes (the ‘MLNs’); Chase has demonstrated a pattern and …

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What's Working? — Agenda for Today's Conference Call with Subscribing Members

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT At the request of the members, I will be publishing an agenda before each conference call. The agenda is subject to changes depending upon news of the day, the questions asked by attorneys and laymen, and any case decisions that should be discussed. …

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HAMP TRIALS: A Big Living Lie

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Editor’s Note: In a Livinglies survey of HAMP trials, we found that most modification offers vastly exceeded the proceeds from foreclosure. Prior to the brief era of securitization the result would have been obvious: the bank would take the modification offer, perhaps with …

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Like Watching The Great Train Robbery in Slow Motion

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT THIS IS LIKE WATCHING “THE GREAT TRAIN ROBBERY” IN SLOW MOTION submitted by DCB UnitedBank’s Cash for Keys offers to homeowners: Are the offers credible? On Sunday January 15, 2012, frequent poster on Foreclosure Defense matters, and respected Florida foreclosure defense attorney, Mark …

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Fla AG Bondi "Cleared" But Guilty?

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Editor’s Note: Just because the document contains forgery and fabrication doesn’t mean you win and they lose. Focus on the money trail and challenge them to show a “sale” of the loan where there was an actual payment. They don’t have that and …

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ZOMBIE MONEY: How The World Keeps Cancerous Banks Alive

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S ANALYSIS: In 1983 the amount of derivatives based upon credit instruments was zero. Then it went past $600 Trillion in 2007, and it is suspected (these are mostly “private” contracts) that they might be over a quadrillion now. There is approximately $70 …

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SF Occupiers Turn Attention to Collusion Between Speculators and Banks

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S NOTE: I missed the timing, so this event already happened. But the SF Occupiers seem to be on the right track. They deserve our support and their efforts should be duplicated. My anecdotal evidence strongly suggests that the collusion between real estate …

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Our Morally Bankrupt Government, Justice Edition Part 1: Enforcement Against Financial Meltdown Perpetrators

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT By Abigail Caplovitz Field | January 16, 2012 Perhaps the clearest window into a nation’s soul is its criminal justice system. Criminal law is legislated morality: certain acts are so vile, we exile the perpetrators to prison. But not every criminal. America will …

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Payment, Not Magic Satisfies Obligations: Stop Saying You Don't Owe the Money

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: Stopa’s article runs to the heart of the matter and it’s time WE faced the reality that payment, not magic, discharges what you owe. And the other reality is that if you try to win your entire case in preliminary hearings, …

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Here is How JPMorgan Posts $19B Annual Profit Despite Housing Hangover

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S ANALYSIS: You might ask how any bank could post such huge profits while the economy is in the toilet, Europe is falling apart and Asia is having problems. The answer lies — yes here it is again — in the level 2 …

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LA TIMES: Big Wave of Foreclosures this Year

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Double Dip Recession Likely Unless Foreclosures Stopped By E. Scott Reckard, Los Angeles Times California and other states are likely to see an enormous wave of long-delayed foreclosure action in the coming year as banks deal more aggressively with 3.5 million seriously delinquent …

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Bank United Offering Deficiency Waivers, Cash for Keys

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Bank United Offering Deficiency Waivers, Cash for Keys by Mark Stopa Esq. http://www.stayinmyhome.com/blog/2012/01/bank-united-offering-deficiency-waivers-cash-for-keys/ I’m pleased to report that I received settlement offers from Bank United today in three different foreclosure cases. Each offer entailed: (1) a deed in lieu of foreclosure; (2) a …

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10 Million Homes Ready for Foreclosure by Pretenders

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Michael Olenick: 9.8 Million Shadow Inventory Says Housing Market is a Long Way From the Bottom By Michael Olenick, founder and CEO of Legalprise, and creator of FindtheFraud, a crowd sourced foreclosure document review system (still in alpha). You can follow him on …

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The Biggest Living Lie: The Worst is Over

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S NOTE: The Banks, Realtors and the Media are telling us that foreclosures are at their lowest levels since 2007, that you better try that short-sale before end of year or else you’ll owe taxes on the fraudulent amount demanded by pretender lenders, …

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Review of Greedy Bastards by Dylan Ratigan

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S COMMENT: Dylan Ratigan has come out with a new book that I think grasps the essence of our economic tragedy — a culture of cheating. I recommend the book and this article reviewing the book, because it will give insight into the …

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Fighting Back: Reversing Foreclosure and Eviction

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT IF IT’S WRONG IT SHOULD BE REVERSED EDITOR’S NOTE: If you don’t fight, you are giving a gift to Banks who don’t have a dime in your deal. They didn’t lend any money and they never paid a dime for your loan. It …

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