There is a shroud of mystery around the entire role of the FHA. Its purpose is to guarantee loans, which was expanded to buy loans. It was never a lender. But the process of buying loans was just as complicated as everything else where securitization of debt is claimed. In most cases it "bought" loans from parties who never owned…[...]

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Picking the labels apart  PLAINTIFF THE BANK OF NEW YORK MELLON FKA THE BANK OF NEW YORK AS TRUSTEE FOR THE CERTIFICATEHOLDERS CWABS, INC. ASSET-BACKED CERTIFICATES, SERIES 2006-11 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 How do you lose a case to a claimant with…[...]

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SO BONY mellon is known to be named as "trustee" over what is probably a nonexistent trust with nonexistent beneficiaries since investors do not qualify as beneficiaries of any trust. The authority of BONY Mellon to represent "certificate holders" is never described in any allegations or exhibits. It is only a label. Dig deeper and you will find actual trust…[...]

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The moral of the story is don't admit anything, not even the default. There is no default if the party demanding payment has no right to do so. Everything they are saying is a lie. Just because they use a label doesn't mean it is accurate. ==================================== GET FREE HELP: Just click here and submit  the confidential, free, no obligation, private REGISTRATION…[...]

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Stop complaining about banks and courts. Start writing to everyone. The game is on! Attorney Gary Dubin has already won the case twice. Now the foreclosure attorneys are trying to resurrect the case involving the LSF9 Master Participation Trust, which has been the subject of numerous articles and radio shows. Bill Paatalo,  Charles Marshall, and I, among many others,l have…[...]

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Tags: Hawaii Supreme Court, LSF9, LSF9 Master Participation, UCC 9-203
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There are hundreds of thousands of prospective good paying clients with a high likelihood of success that lawyers are ignoring. This herd mentality is shifting lawyers away from their primary function: representation of people whose rights are being violated on a systematic basis. The influx of requests for me to represent people who are engaged in a battle for their…[...]

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The courts had previously protected borrowers as much as possible. Now there is a distinct trend in which even claims barred by SOL can be renewed and energized. For homeowners facing foreclosure they may be waiving a very powerful defense: statute of limitations. They are being lured into waiving such defense by solicitations to engage in in some payment plan…[...]

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As you are no doubt aware on a daily basis I seek more information, research, and analysis about the residential loan market. In addition I spend a lot of my time trying to simplify the task of presentation in court in a competent, credible and convincing manner. Don't think you are a lawyer because you read this. Get advice from…[...]

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PennyMac appears to be a vehicle of "cleaning" fatal title deficiencies to the debt, note and/or mortgage on loans. It operates on behalf of CitiMortgage and multiple other entities on loans where the selection of a claimant is essentially random. The basic playbook of the banks is to insert a real business entity with no actual connection or transaction involving…[...]

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Tags: Citimortgage, facially valid, Pennymac
Posted in discovery, evidence, foreclosure defenses, Pleading |

I want to be clear about my involvement. First of all I serve as consultant, not attorney of record in any new matter. I do not actually file with any court nor appear in court as advocate anymore. I am licensed to do so but I don't. And I am only licensed to do so in Florida, Federal and Washington…[...]

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