If you are dealing with a bias held by most judges the only effective way of dealing with it is to meet the challenge head-on. If you dance around it it looks like you are trying to "get off on a technicality." Let us help you plan for trial and draft your foreclosure defense strategy, discovery requests and defense narrative:…[...]

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Tags: bias, free house, prejudgment, TRUTH, voir dire
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HAPPY NEW YEAR to readers who celebrate Rosh Hashanah! To all others, have a HAPPY DAY. This is a prescheduled article. ABOUT LIVINGLIES AND LENDINGLIES I have assembled a partial list of various possible claimants on the note and various possible claimants on the mortgage. Which one of these scenarios fits with your case? Once you review them you can…[...]

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Tags: ARTICLE 3, article 9 UCC, beneficiary, lender, mortgagee, mortgages, non-possessors, notes, Payee, possessors, TRUTH, UCC
Posted in Uncategorized |

Hat tip to anonymous tipster I have previously posted articles written by lawyers who researched and analyzed the TILA rescission statute 15 U.S.C. §1635 et seq. The bottom line is that they all have come to the same conclusions that I have after 12 years of study. The latest one brought to my attention was written probably before January, 2015,…[...]

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Tags: 15 U.S.C. §1635, lawsuit, SCOTUS, TILA rescission, TRUTH
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If you have a medical problem do you want just one doctor to look at your lab results or a team of doctors each doing their own analysis? The same question applies if you are heading into litigation. The problem for homeowners is that having a deep bench of professionals costs money. That is the way our system works, for…[...]

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Tags: forensic analysis, forensic report, legal analysis, strategy, tactics
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If you want to show examples of what you are alleging and can prove at trial (after discovery) the recent rules and decisions of the federal courts may help, if you are careful. Submission of illustrative materials is most probably advisable in federal practice. It might be allowed in state courts as well. The submission is used after complaint is…[...]

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Tags: 12(b)(6), 12(c), 7th Circuit, Federal rules, illustrative materials, Marion Healthcare, motion for judgment on the pleadings, motion for sumamry judgment, MOTION TO DISMISS, pleading requirements, Supreme Court
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For those who are willing to do the work, events after the "sale" of the foreclosed property will probably reveal the puppets and at least point to the puppet-masters. As you investigate each named party leads to a dead end without any legal entity who is responsible for the actions taken. I have a client who is in a predicament…[...]

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Tags: AHMIC, American Brokers Conduit, American Home Mortgage Investment Company, Eviction, TRUTH, Unlawful Detainer, websites
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Sheila Bair (ex FDIC Chairwoman) has always understood. She was fired for understanding. It's hard to understand that the TBTF banks were NOT speculating and never lost any money. Harder still to understand how they stole trillions of dollars from the US economy. And finally harder still to understand how "lenders" could cause a crash. It's really quite simple. Usually…[...]

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Tags: Citi, facts versus presumptions, FDIC, housing, legal presumptions, real facts, Sheila Bair, TRUTH, Wells Fargo
Posted in Corruption, Servicer |

INVERTING CREDIBILITY Thursdays LIVE! Click in to the The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays Tonight Charles Marshall is on to discuss one of his favorite if unpleasant topics: Institutional Bias in the foreclosure arena directed at Homeowners. There are many layers and associated pieces to this situation, which I will discuss on the show: - Institutional…[...]

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The simple answer is that the debt, or the claim on the debt, ends 20 days after notice of rescission. Otherwise the statute 15 U.S.C. §1635 and SCOTUS would have had no meaning when it says that the rescission is effective by operation of law at the time the notice is delivered. It provides a  very short window for "lender's"…[...]

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Tags: 15 U.S.C. §1640, 15 USC §1635, Common law rescission. Statutory rescission, jesinoski, SCOTUS, statute of limitations, TRUTH
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Ambac Sues Deutsche Bank Over $900M RMBS Trust Losses Ambac asked a New York federal court Thursday to release it from an obligation to insure some of the $900 million in losses suffered by a residential mortgage-backed securities trust managed by Deutsche Bank National Trust Co., saying the banking giant did not hold the underlying loan issuer accountable. https://www.pacermonitor.com/public/case/25370385/AMBAC_Assurance_Corporation_v_Deutsche_Bank_National_Trust_Company Let…[...]

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