WELCOME TO LIVING LIES DEFEND THE FORECLOSURE KEEP YOUR HOME!!! Over 17,000,000 Visitors Most of the claims that use "securitization" as a foundation are FALSE!! That means they have no right to administer, collect or enforce any debt, note, mortgage or deed of trust.And THAT means you can successfully challenge foreclosures AND pursue damages against those who make false claims.…[...]
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evidence Fabrication of documents foreclosure defenses Foreclosure Questions legal standing securities fraud
How to Challenge a MERS Assignment in Court
Apr 23, 2026
By Donna Steenkamp Head of Research at Living lies/Defend the Foreclosure Few documents in foreclosure litigation are treated with more blind acceptance than a MERS assignment. That is a mistake. When a MERS assignment appears in the file, many homeowners assume it settles the transfer issue. Some lawyers treat it the same way. But a recorded assignment is not the…[...]Continue Reading
There is one issue in foreclosure cases that many homeowners overlook—and it can change everything. That issue is timing and something called the Statute of Limitations in Foreclosure Defense. Banks and servicers act like they can come after you forever. Like there is no deadline. Like once you fall behind, they can enforce the debt whenever they feel like it.…[...]Continue Reading
Let’s get straight to the point. Foreclosure cases are often presented as if the paperwork tells the whole story. A servicer waves around records, a lawyer recites a trust name, and everybody is expected to act as if the right to enforce has already been proven. But that is not how real litigation is supposed to work. Courts are supposed…[...]Continue Reading
Most foreclosure cases are decided on an assumption that is never actually proven. That assumption is simple: “If the bank has the note, they have the right to foreclose.” But that is not what the law says. And if you build your defense around that assumption, you will lose — even if the party foreclosing has no right to enforce…[...]Continue Reading
The Missing Creditor Problem: Why Securitized Mortgages Often Fail the Basic Test of Foreclosure Authority
Apr 7, 2026
There is one question at the heart of nearly every foreclosure case, and most courts still do not ask it clearly enough: Who is the creditor? Not who is the servicer. Not who has possession of paper. Not who filed the foreclosure. The real question is this: who has the legal authority to verify the debt, accept payoff, and release…[...]Continue Reading
by Donna Steenkamp Head of Research, Livinglies.me One of the biggest myths in foreclosure defense litigation is believing that if the bank or servicer says your loan was placed into a securitized trust, then the case is over and they automatically have legal standing. That could not be further from the truth. A securitized trust is not magic, not proof…[...]Continue Reading
Most homeowners walk into court assuming one thing that is almost always wrong: that a company like Shellpoint , trying to take their home, actually has the legal right to do it. That assumption is the entire game. Companies like Shellpoint Mortgage Servicing depend on it. They rely on the court—and the homeowner—not looking too closely. But if you slow…[...]Continue Reading
Homeowners are often pushed into one path: “Just apply for a modification.” Sometimes that helps. Sometimes it’s a trap that burns your time while the foreclosure machine keeps moving. What a loan modification is (in plain English) A loan modification is a new agreement—if you actually get it in writing, signed, and honored. But “under review” is not protection. It’s…[...]Continue Reading
Why Many Foreclosure Cases get dismissed
Mar 17, 2026
Why can some homeowners get the cases against them dismissed? Foreclosure cases are treated like it’s automatic by the pretend lender. File papers, get judgment, sell house. That’s the script. But when a homeowner (or their lawyer) forces the plaintiff to prove the case with real evidence, many foreclosures fall apart. This isn’t theory. It’s how litigation works. Courts rule…[...]Continue Reading
discovery evidence Fabrication of documents foreclosure defenses Foreclosure Questions legal standing
Foreclosure Defense: Legal Strategies Banks Don’t Want Homeowners to Know
Mar 12, 2026
Foreclosure defense is not magic. It’s not a trick. It’s not pretending you don’t owe money. It is one thing: making the foreclosing party prove its case with admissible evidence. Most foreclosure mills run on speed. They file thousands of cases using templates. They expect homeowners to panic, miss deadlines, or argue the wrong issues. When homeowners and lawyers force…[...]Continue Reading
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