Archive for 'Uncategorized' Category
While the mainstream media concentrates on predators who promise false hope to homeowners in distress and who actually distract homeowners from asserting real defenses, reporters fail to mention the larger more devastating impact of foreclosures initiated by attorneys on behalf of nonexistent clients who have no interest in the loan. The pernicious effect of having […]
As soon as you start believing the words and labels the banks are using you are doomed to making admissions against interest that will reinforce the court bias in favor of the bank. The truth is that the entire thing is a lie. And it’s not even an effort to get the debt repaid; it’s […]
When you allege that you entered into a loan transaction with XYZ corp you are admitting that they loaned you money. In most cases that isn’t true, but you are stuck with your admissions thus admitting the validity of all subsequent assignments and endorsements. This is how the foreclosure mills win — not with the facts but with […]
From an avid reader and investigator, the wording below is from an exhibit in litigation that was (of course) dismissed that shows that Wells Fargo managers were specifically instructing their subordinates who talk or correspondent with borrowers on what to say and what not to say. Specifically they were not reveal that Wells Fargo did […]
Before the era of securitization, the only reason for making riskier loans was that the lender could charge a premium for borrowing — a premium that would cover the higher cost associated with defaulting loans. Now the reason is that the higher the risk, the more the Investment Bank makes and the more the mortgage broker makes […]
Citing “capitalism” as a defense no assassin would be set free because he killed for money. Nobody in their right mind would accept a defense of capitalism for someone who robbed, poisoned, shot, stabbed, or stole from a person or company if the defense was “I did it for the money.” That’s not capitalism. It’s […]
Take a step back and then look at this situation from a wider perspective. * Understand that the real deal was the issuance of multiple levels of securities made possible by investors putting up money and borrowers signing their name. The investors did not understand they were creating an improper “yield spread premium” between what […]
Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil Garfield, Esq. Guests Russ Baldwin, Esq, and Bill Paatalo Call in at (347) 850-1260, 6pm Eastern Thursdays The ghosts and goblins of 2008 are still causing trouble. Some things don’t change and others do. As I have been reporting on my blog, there […]
The United States is experiencing the worst man-made economic disaster in all of human history — the misuse, abuse and overuse of financial products that are sold to consumers as debt. Since 2000, more than 20 million people have been wrongfully displaced from their homes by parties invoking foreclosure laws, millions more lost jobs, and […]
In using the registration form for a free preview some people are fat fingering their email address and/or name. This makes it impossible for me to respond. I am up to date as of this morning. If you have not received a response, please submit your registration form. . If you want to submit a […]
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