Farewell Address from Neil Garfield

A Personal Farewell

After nearly two decades of work as both a lawyer and investment banker, I must share something deeply personal: due to my declining medical condition, I will no longer be able to provide legal services—whether pro bono or paid.

I have turned over my practice to Lance Denha, Esq., a trusted colleague who will continue the mission I started. More on Lance will come later.

A Blog That Became a Lifeline

This blog, running from 2007 to today, is now 16 years old. Within it are all my insights, strategies, and research gathered through thousands of hours of litigation and consultation.

For lawyers and distressed homeowners representing themselves, I urge you to:

• Dive into the archives.
• Copy and download source materials.
• Treat this blog as a toolbox for defense against fraudulent foreclosures.

What Two Decades Have Taught Me

Here is my simple conclusion after years of fighting in the courts:

➡ Virtually all foreclosures can be won by homeowners.

The reason this truth isn’t more widely recognized has nothing to do with the law—and everything to do with politics and power.

Why the Government Chose Wall Street

The government, under both Republican (starting with George W. Bush) and Democratic administrations, adopted a policy that tilted the playing field toward the banks. That policy was driven by two forces:

1. An Empty Threat from Wall Street
   • Banks warned policymakers they would “pull the plug” on the entire economy if their infrastructure wasn’t supported—even though that infrastructure openly violated the law and common sense.
2. Campaign Finance Bias
   • Politicians depended on Wall Street money.
   • As a result, policy consistently favored banks over consumers, a betrayal of the preamble to the U.S. Constitution itself.

The Simple Truth About Debt

But no matter how much policy or court rulings try to obscure it, one fact remains:

👉 The infrastructure created by Wall Street permanently extinguishes debts the moment they are “created.”

• There is no unpaid loan account.
• Under current law, centuries of precedent, and basic logic, nobody should be entitled to invent a debt and then enforce it.

My Record and My Challenge to You

In my career, I have won nearly every foreclosure case in which I served as lead counsel or lead consultant.

You can too. Homeowners and their attorneys must stop assuming the debt exists and instead demand corroboration of the implied loan account. When banks cannot produce it—and they never can—an experienced trial lawyer will know exactly how to dismantle the rest of the case.

Closing Thoughts

This is not goodbye—it is simply my final contribution in this space.

My hope is that homeowners and lawyers will continue this fight with the tools I’ve left behind. Nobody deserves to lose their home to a debt that was invented on paper and extinguished in practice.

If you take anything from my life’s work, let it be this:
Stand firm. Question everything. And never forget—foreclosures can be won.

— Neil F. Garfield

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Tags: foreclosure attorney, lance denha esq.
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