Archive for 'Uncategorized' Category
People make a spectacular fatal error when they assume that anyone with whom they are corresponding, paying or calling is the slightest bit interested in preserving the integrity of a loan account. For the investment banks, this is not about loans. It is all about selling securities and then stealing homes. The successful outcome to […]
nonjudicial is NOT supposed to be a workaround for due process. IT IS ILLEGAL TO USE NONJUDICIAL PROCESS THAT WAY. * The statistics are very clear. The foreclosure mills win far more often in nonjudicial foreclosures than in judicial foreclosures, where they are required to file a complaint containing allegations of fact that can then […]
As a result of court bias and the plethora of legal preumptions arising from fabricated documents, it might well be the better strategy to do nothing and then sue for excess proceeds followed by an amendment to the pleadings alleging faud, compensatory and punitive daamges. Check with local counsel. In a recent decision, the United […]
People always write to me telling me that the documents used by the opposition are facially invalid. They say this because they do not know what they are talking about. They think the document is facially invalid because the lawyers and “Servicers” are lying. Lying, fraud, etc., is evidence of substantive invalidity but not facial […]
If I leave my front door open, that is not an invitation for you to enter on my property, enter my house and find someone to sell something. That is called “entering,” and it is a felony. It isn’t breaking and entering, but it is entering. I don’t want you or whatever you are selling […]
“You got the loan, didn’t you?” The correct answer is “NO.” While most Americans understand that Wall Street “securitization” is operating behind the scenes, as consumers they have no knowledge of how this is impacting them. And worse, they like to pretend that they do know. * Millions of American homeowners have been asked the […]
Alan Greenspan admitted (after the 2008 crash) that he and the rest of the Federal Reserve had made a huge mistake in failing to regulate the creation, sales, and trading of derivatives that were only tenuously linked to the lending marketplace. The securities had no value or known attributes, but Greenspan was operating under the […]
Just to be clear. * The reports are produced by XYZ financial services (usually FiServ in conjunction with CoreLogic). * The witness who is ostensibly employed by the company that has been designated as “Servicer” knows nothing about the location, existence, ownership, or authority over any account maintained in the name of the company (ABC […]
A common practice employed by the banks and leave foreclosure mills that represent the banks is to use an instrument purporting to transfer an asset as the foundation for the truth of the matter asserted: that is, that the asset exists. This practice has been heavily litigated over hundreds of years. The simple answer is […]
The heart of foreclosure defense lies in arcane procedures that occur within the context of discovery during litigation in court. The premise is that neither the foreclosure attorney nor any identified claimant can or will answer questions about the core issues of any foreclosure case —- the existence, ownership and right to administer, collect or […]
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