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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |

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…[...]

Continue Reading

Posted in Uncategorized |