You had the ultimate leverage when they needed your signature to start the loan agreement. Now you have the ultimate leverage if you can properly plead and become a credible threat based upon wrongful foreclosure. If a trust is named or implied as mortgagee or beneficiary you are not just threatening the one case of foreclosure filed against you, but…[...]

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Posted in foreclosure defenses, Pleading |

Disclaimer: This article is for informational purposes only. It is not legal advice. Always consult with a licensed attorney about your specific situation. Big Win in San Diego Hat tip to attorney Stephen Lopez, Esq. for securing a significant ruling in San Diego. This case adds to a growing body of decisions where judges take the time to carefully examine…[...]

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Posted in Eviction, evidence, legal standing |

Thursdays LIVE! The Neil Garfield Show  or prior episodes Or call in at (347) 850-1260, 6pm Eastern Thursdays ******************************* The more I research and analyze the issue, the more convinced I am that the fundamental deficiency of the case against homeowners is hiding in plain sight. And I think it is jurisdictional so it might be possible to raise it at any…[...]

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Posted in Uncategorized |

A number of homeowners who are registered to attend the seminar are requesting that a use specific examples that are relevant to their own case. This is not possible in a 90 minute lecture that gives an overview of what is expected from forensic loan audits. I will be using some examples, but only in general terms.   One person…[...]

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Posted in Uncategorized |

DON'T TELL THE CLIENT WHAT THEY WANT TO HEAR. TELL THEM WHAT THEY NEED TO HEAR. see reference sheet for dead lenders Homeowners come to loan examiners for one purpose: to find a way to get relief from a deal that was probably not viable when it was made and is certainly not viable now. They are usually "behind" in their…[...]

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Posted in Uncategorized |

Seminar starts Friday, August 2 at 1:30PM. Instructions on how to attend are in your email inbox. Please use email for questions. neilfgarfield@hotmail.com. All invitations have been sent via www.freeconference.com. Anyone who did not receive an invitation was cutoff when we exceeded 100 prospective participants. Or, they were cutoff because they did not supply a correct email address. Look in…[...]

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Posted in Uncategorized |

For some reason I have been getting more questions about MERS lately. My analogy has always been that MERS is like a holograph of an empty paper bag. So here are some basic factors for the checklist and analysis: MERS never signed any contract with any borrower. MERS never has any contractual or other legal relationship with investors (certificate holders)…[...]

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Tags: forensic analysis seminar
Posted in evidence, expert witness, Fabrication of documents, foreclosure mill, legal standing, securities fraud |

The question should not be the bipolar question of who gets a "free house," with the answer being the borrower or a party claiming entitlement to enforce. The question should be how to create a new equitable and legal infrastructure to clean up the mess that the banks created without unnecessarily penalizing either the investors who put up the money…[...]

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Posted in Corruption, evidence, Fabrication of documents, foreclosure mill, securities fraud, Servicer |

Thursdays LIVE! MERS SEEKS RELIEF FROM QUIET TITLE! The Neil Garfield Show With Co-Host Charles Marshall or prior episodes Or call in at (347) 850-1260, 6pm Eastern Thursdays ******************************* MERS is seeking to vacate a default quiet title judgment in a California lawsuit, by suing as a plaintiff on the basis that they were never properly served the lawsuit in which they were…[...]

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This is a message to all people who have signed up for the Free Forensic Loan Auditor  Seminar presented by the Garfield Continuum and hosted by GTC Honors, Inc.    There are approximately 85 people signed up so far. The seminar length is 2 hours including Q&A. We will not cover all potential topics in that short time span. We…[...]

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