As a result of court bias and the plethora of legal preumptions arising from fabricated documents, it might well be the better strategy to do nothing and then sue for excess proceeds followed by an amendment to the pleadings alleging faud, compensatory and punitive daamges. Check with local counsel.  In a recent decision, the United States Court of Appeals for…[...]

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People always write to me telling me that the documents used by the opposition are facially invalid. They say this because they do not know what they are talking about. They think the document is facially invalid because the lawyers and "Servicers" are lying. Lying, fraud, etc., is evidence of substantive invalidity but not facial invalidity. Do not use terms…[...]

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If I leave my front door open, that is not an invitation for you to enter on my property, enter my house and find someone to sell something. That is called "entering," and it is a felony. It isn't breaking and entering, but it is entering. I don't want you or whatever you are selling to enter upon my property…[...]

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"You got the loan, didn't you?" The correct answer is "NO." While most Americans understand that Wall Street "securitization" is operating behind the scenes, as consumers they have no knowledge of how this is impacting them. And worse, they like to pretend that they do know. * Millions of American homeowners have been asked the question. And they have answered…[...]

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Alan Greenspan admitted (after the 2008 crash) that he and the rest of the Federal Reserve had made a huge mistake in failing to regulate the creation, sales, and trading of derivatives that were only tenuously linked to the lending marketplace. The securities had no value or known attributes, but Greenspan was operating under the Milton Friedman doctrine that free…[...]

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Just to be clear. * The reports are produced by XYZ financial services (usually FiServ in conjunction with CoreLogic). * The witness who is ostensibly employed by the company that has been designated as  "Servicer" knows nothing about the location, existence, ownership, or authority over any account maintained in the name of the company (ABC BANk --- usually US Bank,…[...]

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A common practice employed by the banks and leave foreclosure mills that represent the banks is to use an instrument purporting to transfer an asset as the foundation for the truth of the matter asserted: that is, that the asset exists. This practice has been heavily litigated over hundreds of years. The simple answer is that a document of transfer…[...]

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The heart of foreclosure defense lies in arcane procedures that occur within the context of discovery during litigation in court. The premise is that neither the foreclosure attorney nor any identified claimant can or will answer questions about the core issues of any foreclosure case ---- the existence, ownership and right to administer, collect or enforce then alleged debt. *…[...]

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see https://abcnews.go.com/US/wireStory/zombie-debt-homeowners-face-foreclosure-mortgages-93383054 The simple story is that three reporters from AP stumbled across a strange story. They discovered that people were being served with foreclosure papers. That was not unusual. What WAS unusual was that the "foreclosures" were based on "loans" that had expired 10 years earlier. And when they made inquiries to the actors who supposedly were named as…[...]

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Preface: When I received my extended MBA degree with the highest honors, I also taught and tutored other students in accounting and auditing. * I recently received a response sent by SPS as the "servicer." note again that SPS is owned by Credit Suisse, a commercial and investment bank located offshore. The homeowner was understandably confused. There was a reference…[...]

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