From an attorney involved in foreclosure defense.
I hope you are well. I have been reading through your manual daily to absorb the breadth and depth and width of this mortgage meltdown… I am so glad I was able to come to the workshop in Napa and meet you. I’m sorry I missed your teleconference today… There will be more
Just wanted to let you know the progress that’s been made to date:
notwithstanding two failed attempts at TRO, I filed a Motion to Consolidate (Great idea) the underlying action against the lender which I filed with the subsequent lender’s UD action against me and prior to the hearing date the lender DISMISSED THE UD! Now you are cooking. This is what we are seeing repeatedly. They fight and then they disappear. Because they are committing fraud on the court and fraud on you. Once they file the UD they ARE using state action and THEN it is time for due process arguments. When they or the Judge says the case is over, the certificate of title has been issued, your answer, “Your Honor, all that was done by self help under private contract that was breached. THIS is the first time this matter has come before a court. They have made this a judicial procedure by filing the Unlawful Detainer action. Now they have to prove their case — not merely that they acted, but that they acted with proper authority and in good faith. Now I just have to respond to the mortgage broker’s demurrer to the complaint. So we are headed down the track with discovery etc.
Thanks so much for your input.
Of course I have some questions for you:
1 How do I handle the non existence of the original lender (New Century was among the first to dissolve) and is sufficiently dissolved now that they cannot be found to be served? Ie – discovery, information as to securitization, excuse as to loss of original note… do I dismiss them as a party? Absolutely not. Pull up your title record and if they were the only “lender” on record, you send in copies of your notice of rescission, QWR etc. with your complaint to quiet title and simply say they are the only people on record, the title is only subject to their claim and they are not around to make it. Make sure they are properly served by publication and then take a default.
2 How do I respond to the foreclosing servicers response of “non monetary interest and appearance” instead of answering the complaint? Not sure what that means.
3 How do I capitalize on the “King County effect” where the attorney (Pite, Duncan, LLP in San Diego) is representing Saxon, MERS and Deutsche in this matter and the verification that has come back is from the same VP who has the same exact address for all three parties? Very simple: First a motion to strike because the documents are invalid on their face. Second, file a motion for the attorney to produce authority or file an affidavit proving authority to represent. That could be enough for him to exit the case. It has before.
Tags: borrower, disclosure, foreclosure defense, foreclosure offense, Lender Liability, mortgage meltdown, rescission, securitization, trustee
Posted in
Corruption, Eviction, Modification, securities fraud |