The basic thrust of argument on TILA rescission is that rescission is an event, not a claim. After sending (mailing USPS) the notice of rescission, there is nothing else required on the part of the homeowner. It was passsed in the 1960s to force compliance with lending laws. 15 USC §1635 is effective upon mailing, even if the judge or…[...]

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Hello everyone, I am thrilled to announce that I am welcoming a new partner to our fight against illegal foreclosures throughout the United States. As many of you know, this is a battle that I have been waging for many many years, and I am excited to have found someone who shares my passion for justice and who will help…[...]

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No trust is regulated by the SEC. No reporting is required of any trust. But by filing a prospectus, the investment bank gains access to the SEC.gov site. So they upload documents and then download the same documents so they can display the sec.gov in the header. They then falsely argue for judicial notice of a government document. No document is…[...]

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Don't shoot the messenger. * If we assume that the court is only allowed to rule on allegations that bring the claim it is probably true that homeowner complaints and motions should be denied because mostly they have not attacked the existence, ownership and authority over the implied (but never stated) underlying debt that can only be found in the receivables of…[...]

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Several steps should be taken to attack any document that does not include a warranty of title to the lien and authority to enforce. You attack the title to the lien under the premise that no transfer of a lien is legally valid or even recognizable unless there is a concurrent transfer of the underlying debt. Transfer of the note…[...]

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Why is "mortgage transaction" bracketed in quotes? Because the transaction is really a draft of homeowners into becoming issuers in a concealed securities scheme. The loan account, part of every traditional loan, is neither created nor transferred. All players are paid off through the sales of certificates that by law are not classified as securities and are not backed by…[...]

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The UCC and Foreclosure Law The Uniform Commercial Code (UCC) governs nearly all financial transactions in the U.S. and has been adopted by every state. For homeowners, two sections matter most: Article 3 – Governs negotiable instruments (like promissory notes). Article 9 – Governs secured transactions (like mortgages). For years, foreclosure defense has relied on these articles when challenging the…[...]

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Tags: foreclosure defense
Posted in evidence, foreclosure defenses, Foreclosure Questions, Uncategorized |

2460 FIFE 8-25-2016 BENEFICIARY DECLARATION QUALITY LOAN SERVICE CORP OF WA Toon Hobbs does not say he is an officer of Deutsch Bank. He also does not say that Deutsche Bank warrants ownership over the alleged or implied unpaid loan account. As Document Control Officer, he is also NOT a records custodian and decidedly not a TRUST OFFICER. He does not describe the scope…[...]

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*at the heart of claims of securitization is a data point that cannot be confirmed or corroborated, to wit:  an unpaid loan account owed to as specifically identified creditor who makes decisions regarding collection, enforcement, and workouts. That account and that creditor does not exist in anyone's world unless they are admitted in a court action. See https://ffj-online.org/2022/12/06/pennymac-financial-services-dubious-accounting-games-wont-solve-its-crisis/ Excellent article…[...]

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There is no appellate case in which the following proposition has been ruled upon according to my research: can the court continue reliance on legal presumptions arising from facially valid documents from a litigant who fails or refuses to provide reasonable corroboration of the truth of the matters asserted in said documents?  * I have obtained such rulings from the…[...]

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