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see http://www.chicagonow.com/getting-real/2020/08/pandemic-may-have-halted-foreclosures-but-delinquencies-still-rise/ The time for action is now before the fight starts. You want to be the one who is put at the bottom of the stack — not on top. *Neil F Garfield, MBA, JD, 73, is a Florida licensed trial attorney since 1977. He has received multiple academic and achievement awards in business […]
As with most political debates we are being presented with a false choice. We either give up the post office or make it profitable. Really? Maybe if we focused our attention on the service that the post office provides and made it more likely to be even more indispensable to our lives, we would also […]
I know this is technical and even boring. But if you want to understand where tens of trillions of dollars went in 2008 and how it is about to happen again, you must read this. The bottom line is that homeowners, falsely believing that they are in default, are actually stepping away from compensation that […]
Thursdays LIVE! Click in to the WEST COAST Neil Garfield Show with Charles Marshall and Bill Paatalo Or call in at (347) 850-1260, 6pm Eastern Thursdays Bill Paatalo will post on his Blog today details on what he and host Charles Marshall will cover on the Neil Garfield Show today: First, a revisit to the LSF9 Master Participation Trust, […]
Any judge who has his/her investments or retirement funds tied up in bank shares or worse, certificates from securitizations chemes — directly or indirectly — should not hear such cases. Our analysis and experience in the US shows that when the cases are drilled down to their essential facts, the debt has been retired by the securitization process — a […]
Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil Garfield, Esq. Call in at (347) 850-1260, 6pm Eastern Thursdays In a nutshell there is no valid lien. But in order to get to that conclusion you have to wade through the weeds and smoke screens that have been carefully constructed by the […]
The execution of any document does not by itself create a legal event. First, the document is only valid if it memorializes an actual event. Second, the document is only valid if it complies with the facial requirements set forth by applicable statutes. Third, the document is only legally valid if it complies with the […]
Your objective is simple: to reveal that the party named as plaintiff or claimant is not the owner of the debt. Your secondary objective, not necessarily required, is to prove that the named claimant doesn’t have the authority to represent anyone who does own your debt. On your way to doing that you will probably undermine any […]
I think that the CFPB, FTC and SEC continue to miss the point. The base of “deceptive and unsubstantiated representations” comes from the banks and their lawyers. CONSUMER FINANCIAL PROTECTION BUREAU ANNOUNCES SETTLEMENT WITH FORECLOSURE RELIEF SERVICES COMPANY AND ITS OWNER WASHINGTON, D.C. – On July 20, 2020, the United States District Court for the Central […]
Practitioners should attack the default letter and stop pretending it doesn’t count or doesn’t exist. It is not the homeowner who misses a payment it is the creditor who misses receiving it. If there is no creditor, there can be no default. If there is no financial accounting report that establishes the debt has an […]
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