Dec 10, 2020
Thursdays LIVE! Click into the Neil Garfield Show
Tonight’s Show Hosted by Neil Garfield, Esq.
Call in at (347) 850-1260, 6 pm Eastern Thursdays
Follow voice instructions when you dial in or connect via computer. You will be recognized in the order of your questions.
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Around one month from now, most moratoriums on foreclosures will expire, unless they are again extended. That means that hundreds of thousands, perhaps millions of foreclosures will be filed or completed over the next year. And just like the 2008 meltdown, the securities brokerage firms that call themselves “investment banks” will be swarming like maggots over the carcass of millions of lives.
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- We start with a simple premise: money received by homeowners was an inducement to enter into a concealed transaction in which the homeowner was not intended to receive any benefits.
- YOU ASKED FOR A LOAN BUT NEVER RECEIVED A LOAN.
- It was not part of a loan agreement because the money was received from players who had no intention of being lenders subject to statute and who had no intention of maintaining a loan account receivable against which payments could be received and posted.
- DON’T GO DOWN THE RABBIT HOLE!
- The attempt to get payment from homeowners is a concealed attempt to zero out the consideration paid to the homeowner for the concealed transaction.
- In short, the homeowner was attempting to purchase a loan with the note and mortgage but didn’t get it. And the money paid to the homeowner was only temporary consideration for a concealed transaction in which the players received all the benefit and the homeowner took all the concealed risks.
- THE GOAL IN LITIGATION IS TO BAR INTRODUCTION OF EVIDENCE AGAISNT YOU BY AGGRESSIVELY PURSUING THE DEFENSE NARRATIVE THAT THE OBGLIGATION DOES NOT CURRENTLY EXIST ON THE BOOKS OF ANY CREDITOR.
And just like the 2008 crash, the impact of the new wave of foreclosures and evictions based on such foreclosures will be felt for years to come. The full impact of the COVID pandemic won’t be known for a long time. It could result in many more people falling into the grasp of greedy Wall Street bankers.
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So my message is simple: get prepared and stay prepared. They will try to steer you into foreclosure because every dollar they receive from the forced sale of your property is going to bonuses and profits. Get rid of any thought you have that the foreclosure mills are filing foreclosures on behalf of lenders.
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Tonight in a different format from our regular programming, I am opening the floor to questions and answers. Please don’t use this as an opportunity to lecture about conspiracies. The purpose of this program is to allow real people to ask real questions and get real answers — subject to review and advice from local counsel.
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Here are some samples of the type of questions you could ask.
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- Does my obligation still exist?
- Are you saying that my obligation no longer exists or just that it cannot be enforced?
- What do the foreclosure mill lawyers need to prove?
- How can I stop the servicer from testifying or introducing evidence?
- What do I need to prove?
- I’ve been in litigation for years. How can I put an end to this?
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I have received a notice of delinquency from a company that has presented itself as a servicer. What do I do next?
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I have been served with a notice of default and notice of sale from a company claiming to be the new trustee on my deed of trust. What do I do now?
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I have been served with a summons and complaint for foreclosure filed by lawyers who say they are representing a trustee for some series of certificates. What is my next move?
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A sale has already been conducted and now somebody is trying to evict me. What can I do?
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Neil F Garfield, MBA, JD, 73, is a Florida licensed trial and appellate attorney since 1977. He has received multiple academic and achievement awards in business and law. He is a former investment banker, securities broker, securities analyst, and financial analyst.
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FORECLOSURE DEFENSE IS NOT SIMPLE. THERE IS NO GUARANTEE OF A FAVORABLE RESULT. THE FORECLOSURE MILLS WILL DO EVERYTHING POSSIBLE TO WEAR YOU DOWN AND UNDERMINE YOUR CONFIDENCE. ALL EVIDENCE SHOWS THAT NO MEANINGFUL SETTLEMENT OCCURS UNTIL THE 11TH HOUR OF LITIGATION.
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But challenging the “servicers” and other claimants before they seek enforcement can delay action by them for as much as 12 years or more.
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Yes you DO need a lawyer.
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If you wish to retain me as a legal consultant please write to me at neilfgarfield@hotmail.com.
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Please visit www.lendinglies.com for more information.
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