From Senator Warren:   Neil, I couldn’t be more excited about my first endorsement of the year: Katie Porter is running to represent Californians in the U.S. Senate, and she has my full support. I want to share more about why I’m supporting Katie below, but if you’re on board now and ready to help kickstart Katie’s campaign for Senate, please split…[...]

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By laundering the title to the recorded lien AFTER the homeowner has failed to derail the false claim, the foreclosure mills have lulled most homeowners and most lawyers and judges into a state of complacency wherein they miss the fact that the new substitution --- often without permission of the court --- is an admission that the homeowner's defense narrative…[...]

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FOR IMMEDIATE RELEASE: January 11, 2023 CONTACT: Office of Public Affairs press@cfpb.gov CFPB Proposes Rule to Establish Public Registry of Terms and Conditions in Form Contracts That Claim to Waive or Limit Consumer Rights and Protections Companies can use terms and conditions in non-negotiable form contracts to try to hide consumer harm, to stifle criticism about products and services, and…[...]

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It seems that there are now several dozen readers of my blog who both read and corroborate the information I have shared. As a result, they are asking increasingly sophisticated questions. The latest question is the question of why Lehman Brothers went bankrupt. Since they were selling certificates, not buying them, and they were not holding any receivable due from…[...]

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see https://livinglies.me/2017/10/11/katherine-ann-porter-author-of-2007-study-revealing-the-destruction-of-notes-is-running-for-congress/ It is no exaggeration that Katie Porter is why this blog started. While at the University of Iowa, she conducted a study with startling revelations. The discovery that original promissory notes were destroyed most of the time made it possible for thousands of homeowners to defend their homes from false claims seeking foreclosure successfully. As a protégé of…[...]

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The practice hint for all this is NOT to trace all the layers and steps. The question in the case at bar in every foreclosure is whether there is an identified claimant with a claim based on the existence of an unpaid loan account (collateral account) on its own ledgers Some people get upset with me when I tell them…[...]

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Homeowners and their lawyers look at a canceled check and understandably and reasonably come to an erroneous conclusion. They think the check shows who physically received the check, who deposited it into a depository account, and who owns that account. * Therefore, they erroneously conclude that the report issued under that name was prepared by or on behalf of the…[...]

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Skeptics often confront me to say that judges refuse to listen to their arguments. My response is always the same. But nobody likes the answer. Judges will listen if you have something relevant to say, and you are saying it in proper form and in a timely manner. Both homeowners and lawyers fail to present appropriate arguments because they insist…[...]

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People often say that using the QWR and DVL is useless because you don't get any answers. But that is exactly my point. It is like pleading the 5th. In a civil proceeding, the refusal to answer raises any inference implied by the question asked. Whoever you are out there, stop trying to prove something. * In our system of…[...]

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Even judges are sent to school before they take the bench. For the last few decades, every catastrophic economic event has been the direct result of the declining use of experts and the politicization of bare-bones facts. It was not malpractice tor repeal the Glass Steagall act or to waive the normal and customary rules governing the issuance of securities…[...]

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