A simple truth always applies: Only an experienced trial lawyer can walk into a courtroom and feel comfortable. Everyone else is angry, confused, or terrified, even if they are a lawyer. The consequence is that they either say nothing at all or say nothing that is relevant or persuasive, or both. When pro se litigants and inexperienced lawyers go to…[...]

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FOR IMMEDIATE RELEASE: January 11, 2023 CONTACT: Office of Public Affairs press@cfpb.gov CFPB Takes Action to Halt Debt Collection Mill From Bombarding Consumers with Junk Lawsuits Forster & Garbus illegally sued borrowers on behalf of Citibank and Discover, among others WASHINGTON, D.C. — The Consumer Financial Protection Bureau (CFPB) has reached a settlement in its lawsuit against law firm Forster &…[...]

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Here is an example from one of my more savvy readers who still makes the key error: This person refers to the "Depositor" in the chain of "Securitization" references contained in various documents. None of those entries are legally significant in any way unless they (refer to real-world transactions ) and (b) are contested by homeowners. Companies named as depositors…[...]

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LISTEN TO INTERVIEW WITH NEIL GARFIELD AT https://www.buzzsprout.com/2098874/12025188-foreclosure-defense-with-neil-garfield-esq?t=0 I obviously cannot compact 47 years of courtroom experience into a single article or, for that matter, any less time than I spent in courtrooms, conducting thousands of hearings and trials. But I can distill what I think made me successful (most of the time). So I have decided to start suggesting…[...]

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Anyone who watches the Madoff Ponzi documentaries knows that people deluded themselves out of greed. The basis of the Madoff scheme was a huge pile of documentation that was all fake. The "business" was taking money from investors and investing it. Madoff never made a single transction. There was no such business. This is what happened and what is still…[...]

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The basis for most big business plans is to give the consumer the worst possible product or service while convincing the same consumer that the cost is inevitable and the product or service is excellent. This produces something that Alejandro Reyes of Deutsch Bank called a “counter-intuitive” system. This term has been widely adopted, even if not accurate. It basically…[...]

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Plato said (maybe it was  Aristotle), first, define your terms. Unless you use the terms correctly- and not just the way you want to use them- you will not make sense in any court. As soon as you open your mouth, you will be revealing that you either don't know or don't care about the rule of law. And as…[...]

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The bottom line is that JPM Chase did not actual purchase or pay for anything. The net "price" was negative including an IRS refund due to WAMU but transferred to JPMC.JPMC did acquire the book value assets and liabilities of WAMU and subsidiaries, but there was was litttle in the way of book value for assets which would have included…[...]

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see https://www.law.com/njlawjournal/almID/1202429165401/ In an article by New Jersey attorney Dennis M. Gonski | Updated on March 18, 2009, the qualities of "real title" are clearly specified. His "wild deed" commentary applies equally well to promises of title or implied promises of title to liens. My point in directing your attention to this article is that Gonski takes on the most…[...]

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Lawyers are not permitted to make up claims and file lawsuits or other processes to seek a remedy. They must be representing a client who is the owner of the claim. In foreclosure, this is not the case. Wall Street has weaponized the necessary standard protections for lawyers into a vehicle for promoting false claims. The failure of counsel to…[...]

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