When we go to court to defend an illegal foreclosure, we’re often trying to figure out who really has the right to get paid back the loan. This is important because you should only have to pay the person or company that actually lent you the money in the first place. Banks have been telling courts that it's enough to…[...]

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Tags: lance denha esq.
Posted in Corruption, securities fraud |

In the intricate landscape of foreclosure cases, a formidable litigation strategy is essential to navigate the complexities. Drawing on our team's extensive experience in litigating complex foreclosures in both judicial and non-judicial states, we present here an array of meritorious civil actions. All strategies herein are aimed at addressing the deliberate orchestration of illegal foreclosures against homeowners. This article explores…[...]

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Tags: lance denha esq.
Posted in Corruption, securities fraud |

In a previous post here I shared some servicer deceptive practices when dealing with homeowners they are trying to foreclose on.  In the realm of mortgage servicing, what meets the eye can be deceiving. In the spirit of my mentor Neil Garfield I am continuing to unveil deceptive practices employed by companies claiming to be servicers. In doing so I…[...]

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Posted in Uncategorized |

Once of the most common problems readers of our blog describe is trouble finding a foreclosure defense attorney to take their case. Not only take their case but even listen to them! In our experience this is a result of two main issues. 1. Expertise We often say amongst our team here at livinglies that not only are we among…[...]

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Tags: foreclosure defense attorney, lance denha esq.
Posted in foreclosure defenses, legal standing, Motions, Pleading |

In the complex landscape of foreclosure defense, the role of a skilled attorneys is paramount. So many of you told us of your struggles in finding an expert in this are I thought it important to share the importance of why Foreclosure Defense is such a specialty. These legal professionals bring a wealth of knowledge and strategies to the table,…[...]

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

Last month I posted about our successful strategic foreclosure defense model. This model was developed by my mentor Neil Garfield over decades and has been utilized by pro se homeowners and the attorney’s we help with Litigation support services across the country. It has resulted in our being able to save thousands of homes in every state in our great…[...]

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

Let’s stop pretending the foreclosure process is clean, fair, or based on real evidence. It isn’t. What most homeowners are facing is not a legitimate creditor enforcing a real debt. What they are facing is a servicer — a company with no ownership of the loan — using paperwork, assumptions, and legal shortcuts to create the illusion of a right…[...]

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Tags: lance denha esq., livinglies.me
Posted in Corruption |

Leveraging Discovery in Judicial and Non-Judicial States Through State Specific Statutes In the labyrinth of foreclosure litigation, the timing and strategy employed during critical stages can significantly impact the outcome. Our experience has revealed a paramount step often overlooked by real estate  homeowners, proving prejudicial in many cases. This negligence often allows foreclosure proceedings to progress unchecked until it is…[...]

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Tags: foreclosure defense, foreclosure offense, lance denha esq.
Posted in Corruption, securities fraud |

In a foreclosure proceeding in a judicial foreclosure state, or a request for injunctive relief in a non-judicial foreclosure state, or in a motion for relief proceeding in a bankruptcy court, the courts are dealing with and writing about the problems very frequently. In many if not almost all cases, the party seeking to exercise the rights of the creditor…[...]

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Tags: bankruptcy, foreclosure, foreclosure defense, lance denha esq.
Posted in securities fraud |

PennyMac and others are pretending to be "servicers" but they're not, even though they do some servicing work. They’re using Black Knight’s systems to do it. Think of Black Knight as a big boss that controls a lot of the so-called “servicing records,” about 62% of them in the US. Because of this, companies can act like they checked the…[...]

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Tags: lance denha esq.
Posted in Corruption, securities fraud |