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 |

Require every public official to certify and itemize what he/she read, reviewed or heard before voting or acting on the subject matter. Some readers will recall the extensive work I performed as an expert and consultant to state legislatures. I also served as an outside consultant on many political campaigns. I met and established relationships with leaders of both the…[...]

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The central issue is not whether the homeowner owes a "servicer" any money. The central issue is whether the homeowner owes a creditor money. Wall Street securities firms (Investment Banks) have many tricks by which they make fictitious claims appear to come alive. It is like those movies in which animated characters join the "Real-Life" figures. We accept this because…[...]

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The problem with free speech is that it enables people to lie without fear. It is the dominant method of securing patrons for your business, votes for your candidate, and investors for your stock. Although frequently illegal, it doesn't stop anyone from doing it. Only the lowly go to jail. The real big liars go on to make more pornographic…[...]

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Posted in Wells Fargo |

Bill Paatalo published his analysis and frustration with the way that lawyers create "shades of gray" when there is nothing to be seen. See attacking-the-powerless-and-deceptive-limited-power-of-attorney-documents-in-foreclosure-litigation/ My instruction to lawyers is (a) stop being lazy, (b) read each word carefully and (c) think about what you have read. The answers are all right there in front of you if you just…[...]

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