Archive for 'Uncategorized' Category
“It’s unusual that we’re in this position, but it’s unusual that any bank would dare do what they’re doing and think they are above the law like this.” – Bruce Jacobs, Miami Foreclosure Defense Lawyer. Kudos to Jacobs for doing some real lawyering. It is all in the details. Just assume they don’t have the […]
On my way out the door for the weekend, but wanted to post this. It’s validation of what we all know. But it also puts a plan on the table to stop the continuing damage and heal some of the damage caused by the banks. The banks have been regularly and arrogantly rampaging the weaponized […]
Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil F Garfield Call in at (347) 850-1260, 6pm Eastern Thursdays Fraud can be a very effective claim or defense. But it is not an easy claim. Fraud must be both pled and proven clearly and convincingly. Some view the burden of pleading and […]
As a quasi government agency Fannie Mae is forced to be forthcoming about its role in lending. But the wording of disclosures mostly come from Wall Street investment banks. In the latest description of Fannie’s current activities the wording is carefully crafted to avoid referring to ownership of the debt, but the substance is the […]
LISTEN TO SHOW * Hi Neil Garfield here and this is Thursday April 11th, 2019. Transfer of ownership of a debt means a purchase and sale of the debt and with it, in the form of an assignment of mortgage, the right to enforce the debt by judgment for damages or foreclosure. Bill Paatalo will join me in a moment to discuss […]
Small business owners should think about what happened to homeowners when they failed to get advice of counsel and failed to get advice from a financial adviser. Millions of homeowners lost their homes, their reputation and suffered permanent damage to their financial identity. Many ended up in divorce, suicide and stress related illnesses. The pressure […]
Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil F Garfield and Bill Paatalo Call in at (347) 850-1260, 6pm Eastern Thursdays see https://livinglies.me/2019/04/11/cal-3d-dca-wrongful-foreclosure-you-can-cancel-the-assignment-notice-of-default-notice-of-sale-and-reverse-the-sale/ Tonight Neil Garfield and Bill Paatalo discuss the issues in revealing void transfers of debt, note and mortgage (or beneficial interest). The Rainn case in California stands for the […]
Did Banks Really Destroy Original Mortgage Notes? Yes. In 2009, the Florida Bankers Association admitted that many banks deliberately destroyed original mortgage notes right after loan closing. Instead of keeping the paper, lenders converted notes into electronic files and then discarded the originals. Their justification: it was “more efficient.” But here’s the problem: under long-standing […]
There are two morals to this story. First always use a legal and financial adviser if you are about to make the largest investment of your life. Second, there is no such thing as boilerplate or standard clauses. So you have a “lender” who is offering to lend you money, even though you have trash […]


