Archive for 'Uncategorized' Category
May 23, 2023

The practical effect of denial of discovery demands by the trial court is a ruling in favor of the party making a claim against the homeowner — even if the party had no standing. The homeowner is forced to litigate against a ghost — like going to a gunfight with no guns and no bullets. […]

May 22, 2023

Why This Opinion Matters Here is a case where counsel parsed the words and documents down to their essence—and won in circumstances where most would predict defeat. see Opinion 5-18-2023. The decision is important for several reasons. The Fact Pattern Plaintiff (Shetty) acquired title from the homeowner before the foreclosure sale and before the reinstatement […]

May 19, 2023

Require every public official to certify and itemize what he/she read, reviewed or heard before voting or acting on the subject matter. Some readers will recall the extensive work I performed as an expert and consultant to state legislatures. I also served as an outside consultant on many political campaigns. I met and established relationships […]

May 18, 2023

The central issue is not whether the homeowner owes a “servicer” any money. The central issue is whether the homeowner owes a creditor money. Wall Street securities firms (Investment Banks) have many tricks by which they make fictitious claims appear to come alive. It is like those movies in which animated characters join the “Real-Life” […]

May 16, 2023

Bill Paatalo published his analysis and frustration with the way that lawyers create “shades of gray” when there is nothing to be seen. See attacking-the-powerless-and-deceptive-limited-power-of-attorney-documents-in-foreclosure-litigation/ My instruction to lawyers is (a) stop being lazy, (b) read each word carefully and (c) think about what you have read. The answers are all right there in front […]

May 15, 2023

The best practical time to challenge the pretender lender in any jurisdiction is when the homeowner receives a “notice” (usually unsigned) announcing that some company is now their servicer. That is a lie, and effective use of the Administrative Process provided by statute can stop them. Later, the best practical time to challenge the pretender […]

May 12, 2023

The second requirement is usually completely ignored by the homeowner, the lawyers, and the judge. But it is still there. The possessor of the note, once that is established and confirmed by competent evidence, must allege and prove that it is authorized to enforce the note. By legal definition accepted in all jurisdictions, a holder is not […]

May 10, 2023

I am having a spirited exchange with a very experienced trial lawyer on the West Coast. We are discussing whether some declaration should be filed in a pending case where a Motion for Summary Judgment is pending. My answer is no, but a procedural objection should be raised on two grounds: (1) that the mere […]

May 3, 2023

Here is a simple tip: if the same company is named in other similar actions and that company did not receive the proceeds of the repossession or foreclosure, then the claim and the process was faked through and through. Hint: ask for proof or even a statmeent under oath that the company named as “creditor” […]

May 2, 2023

Court procedure is a long and tedious process during which the parties make their points and counterpoints. If you don’t make the point evident, you lose. If you don’t make the counterpoint, you lose. If you lose, the opposition wins. This is about the rules, not justice or the pursuit of truth. Recently a client […]