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Thursdays LIVE! Click in to the WEST COAST Neil Garfield Show with Attorney Charles Marshall Or call in at (347) 850-1260, 6pm Eastern Thursdays On the Neil Garfield Show today host Charles Marshall, Esq. will break down the latest trends and developments in the Covid-19 landscape, addressing the following legal areas in order to apprise borrowers what they […]
The proposed rule change would basically change the effect of all statutory and common law. It defines a “true lender” as EITHER someone who funds the transaction OR anyone who is called a lender in the closing documents for the homeowner transaction. If this rule goes into effect it would conflict with state law in […]
The inability of the Defendant to name a viable creditor should not translate as a burden of proof shifting to the defendant. Nor should it translate as the basis for any assumption or presumption that the plaintiff must be the creditor because the homeowner can’t name an alternative. in the successful effort to keep everyone […]
see https://library.nclc.org/impact-supreme-court-seila-law-ruling-cfpb-constitutionality It has long been held, assumed and otherwise inscribed in law that Congress is the sole source of appropriating money for the federal government to spend. That is pursuant to the supreme law of the land. And it has also been long held that Congress can put conditions on its appropriation of money […]
The HBR article is excellent — but it starts from the wrong premise. The people in charge have no losses so they have no incentive to mitigate. Nearly all foreclosures are business ventures for profit — not remedies for unpaid debt. see https://hbr.org/2020/07/how-banks-can-avoid-a-repeat-of-the-2008-foreclosure-crisis The problem that everyone seems to be actively avoiding is that no […]
Thursdays LIVE! Click in to the WEST COAST Neil Garfield Show with California Attorney Charles Marshall Or call in at (347) 850-1260, 6pm Eastern Thursdays Reverse mortgages are akin to the Centuries Old principle of a Life Estate or an annuity. A life estate is where typically relatives who live together would pass title to a home, during […]
If we ever return to normal practical governmental practices this decision means that the work of the CFPB in protecting consumers will continue. From: “Rich Dubois, NCLC” <consumerlaw@nclc.org> Date: June 29, 2020 at 7:28:32 AM HST To: GARY DUBIN <gdubin@dubinlaw.net> Subject: Breaking: U.S. Supreme Court Decision Preserves but Weakens CFPB Reply-To: “Rich Dubois, NCLC” <consumerlaw@nclc.org> Dear GARY, Today, the Supreme […]
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 My opinion, backed by 14 years of research and securities analysis which I am qualified to perform, is that you probably have what I call an orphan debt. Based upon filings with the […]
My opinion is that the reason most people are dissatisfied with the status of business and politics is that we have all bought into the myth or at least tolerated the myth that capitalism IS democracy. It isn’t. Capitalism is an economic system whose basic premise is to make as much money as possible. Democracy […]
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