The start of every "loan" transaction with the homeowner (except in rare occurrences) is a lie. The enemy of success for the homeowner is himself. If he believes that the statements he receives and the nonpayment claims, together with the imposition of fees, are true, the homeowner will fail to employ defense strategies and tactics that any normal civil or…[...]

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Hello, Lance Denha esq. of Livinglies here again to help you in the fight against illegal foreclosures. Homeowners often find themselves overwhelmed and uncertain about their rights. The complex legal processes can leave homeowners feeling powerless and isolated. However, it's crucial to remember that you have rights as a homeowner, and understanding these rights can make a significant difference in…[...]

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Tags: foreclosure defense, foreclosure notice, stop the foreclosure
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As to foreclosures, homeowners face an enemy that is very challenging to defeat: themselves. As long as they believe the lie, homeowners will not retain lawyers to win the foreclosure cases. In fact, they will not even look for an opportunity to defend against illegal claims. see https://wallstreetjournal-ny.newsmemory.com/?publink=05d326cad_134abfa I started writing about home financing back in 2004. It was obvious…[...]

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And the secondary question is why private Bar associations should be empowered to enforce their own rules often treated as law --- especially when their decisions are so heavily influenced by political considerations. The contrived ignorance of the Bar is the most important factor in pereptuating the fraud described in this article. In the old days (early 1990s and earlier),…[...]

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Lance Denha esq. here from Livinglies.me, and I want to talk to you about a very serious matter that can shake any homeowner to their core - receiving a foreclosure notice for the first time. Receiving a foreclosure notice is scary, especially if you have not been following this blog and Neil Garfield’s methods, teachings and practices for years, or…[...]

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Tags: first foreclosure notice, stop a foreclosure
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There has never been any doubt that the "certificates" that were created and issued under the label of "derivatives" or financial instruments. They were financial instruments. They promised the buyer a schedule of payments extending indefinitely into the future. The problem has always been that the certificates conveyed no interest in any asset. And in the field of residential lending…[...]

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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…[...]

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Tags: foreclosure attorney, lance denha esq.
Posted in foreclosure defenses, Uncategorized |

Because most lawyers and homeowners think they "know" the self-evident answers, they don't ask the questions that would completely destroy the case against them. Just make a note that unless you ask, there is no obligation to give you answers. And unless you seek enforcement, the violation of the rules will go unnoticed and will not be a proper subject…[...]

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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. Most homeowners cannot afford to…[...]

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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 period expired. Strategy: pay the…[...]

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Tags: attorney, foreclosure, foreclosure defense
Posted in foreclosure defenses, Uncategorized |