The basic premise is that the debt is NEVER discharged. It is only the ability of the owner of the underlying debt to enforce that debt that is discharged. Thus the owner of a lien may still enforce the lien after BKR discharge. The only exception would be a finding in Bankruptcy court that the claim is not secured by…[...]

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I frequently get provocative letters explaining to me that the entire system is corrupt and that it is futile to contest actions undertaken by the mega banks or their intermediaries. In turn, these letters frequently go out to others and become the norm in exchanges of information between uninformed people. These letters are getting increasingly frequent as I zero in…[...]

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Digging Into a $344 Billion Investing Mystery Preposterous claims in private investment offerings illustrate an important point about red-hot ‘Reg D’ securities: No one is checking to see if the details in these filings are even remotely true Read in The Wall Street Journal: https://apple.news/AgZkHAedTT3uDltWufgHMSg Periodically, I warn lawyers, homeowners, and forensic auditors not to fall into the trap set by…[...]

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If the party named as claimant or Plaintiff or Beneficiary did not own any unpaid debt and said party, therefore, suffered no economic injury by and through any action or inaction of the defendant or homeowner, then despite the appearance of default, no legal default has occurred even upon declaration of such by a disinterested third party. 1916 article on collateral attacks. See…[...]

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There is an old expression that the more flack you are getting, the closer you are to the target. The banks are getting nervous ---- finally. Their response has been hiring several unqualified independent contractors to post negative remarks about me or my blog or services. This has resulted in many of my readers prompting me to post a defensive…[...]

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From the disclosure statement by Altisource. See https://www.marketscreener.com/quote/stock/ALTISOURCE-PORTFOLIO-SOLU-5506020/news/ALTISOURCE-PORTFOLIO-SOLUTIONS-S-A-MANAGEMENT-S-DISCUSSION-AND-ANALYSIS-OF-FINANCIAL-CONDITION-AND-43381543/   Ocwen Related Matters During the year ended December 31, 2022, Ocwen was our largest customer, accounting for 41% of our total revenue. Additionally, 6% of our revenue for the year ended December 31, 2022 was earned on the loan portfolios serviced by Ocwen, when a party other than Ocwen or the…[...]

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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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