So here, in black and white, is yet another appellate decision  confirming what I have said for 12 years: The assignment of the mortgage is merely the delivery of a piece of paper. It conveys nothing in terms of an interest in the real property or the right to foreclose the mortgage. BUT if the assignment of the document is…[...]

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[caption id="attachment_35460" align="alignnone" width="364"] Q & A with Neil Garfield[/caption] Thursdays LIVE! Click in to the The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays   Co-hosted with attorney Charles Marshall. Do you have a perplexing question about foreclosure, securitization or chain-of-title issues? Neil Garfield will answer questions from callers.  Please keep your question brief and…[...]

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The banks are winning  most cases because homeowners choose not to defend. The second most reason for this fraudulent winning streak is the application of legal presumptions that eliminate the need to actually prove their case. 99% of the time they are winning cases in which they should lose and be subject to sanctions for trying to defraud the court…[...]

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Fannie and Freddie are the equivalent of black holes in physics. Representations abound that they own a loan, or note, or mortgage or debt. What this testimony shows is that there are specific discovery items to request and compel wherein the the truth of the matter and the truth about the parties will be revealed. We can draft your discovery!…[...]

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The bottom line is that when the bottom falls out, stocks will fall around 40% and will not rebound. We are running on fumes with mass hysterical confidence and inflows from retirement savings accounts. The effects of the crash on consumer and business confidence might well be catastrophic, fueling a drop in economic activity that will drag down earnings and…[...]

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“This is an example of self-validating bias. While the court’s reasoning was correct, the application of that reasoning to the facts was incorrect. The Judgment should have been affirmed.” Get a LendingLies Consult and a LendingLies Chain of Title Analysis! 202-838-6345 or info@lendinglies.com. https://www.vcita.com/v/lendinglies to schedule CONSULT, leave a message or make payments. OR fill out our registration form FREE and…[...]

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It may be fairly said that in nonjudicial states, the banks take the greatest risk when they file, as Plaintiff, in an unlawful detainer action. It is the first time they are required to actually state their case, establish legal standing and ask for "relief." They must plead and prove legal standing. The trap door is that they usually have…[...]

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HELP!! The challenge is no longer getting the information "out there." The challenge is getting the job done by creating lawsuits, discovery and motions that will get actual traction in court. We need to BE good not just sound good. What we are seeing is that errors in procedure and substance are being made clouding the message essential for the…[...]

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The Eighth Circuit's affirmance in the present case rested upon its holding in Keiran v. Home Capital, Inc., 720 F. 3d 721, 727-728 (2013) that, unless a borrower has filed a suit for rescission within three years of the transaction's consummation, §1635(f) extinguishes the right to rescind and bars relief. That was error. Section 1635(a) explains in unequivocal terms how the…[...]

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“If bankers who act fraudulently are not put in jail with their bonuses returned, assets confiscated and banned from future practice, we will only give a green light to similar risk-laden behaviour in new forms,” Brown says. Get a LendingLies Consult and a LendingLies Chain of Title Analysis! 202-838-6345 or info@lendinglies.com. https://www.vcita.com/v/lendinglies to schedule CONSULT, leave a message or make payments.…[...]

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