Thursdays LIVE! Click in to the The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays Tonight on the Neil Garfield Show, Neil will conduct a Question and Answer session. CALL IN at   (347) 850-1260. Please keep your question SHORT, PRECISE and GENERAL. Please do NOT plan a long narrative on your particular situation. Please…[...]

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Void means that the instrument meant nothing when it was filed, not that it is unenforceable now. Why Quiet Title Actions Often Fail Homeowners often ask about using a quiet title action to clear fraudulent mortgage claims. But the truth is: quiet title is a very limited remedy. Quiet title can only remove instruments that are void, not voidable. “Void”…[...]

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Tags: creditor, DEBTOR, foreclosure defense, foreclosure offense, fraud, Mortgage, quiet title, reformation, rescission, securitization, VOID, VOIDABLE
Posted in foreclosure defenses, foreclosure mill, Foreclosure Questions, Uncategorized |

The Fair Housing Financing Agency has announced the details on the principle reduction program. The program is severely limited and requires that reductions be made only to owner-occupied borrowers who are 90 days or more delinquent as of March 1, 2016. The program will only apply to borrowers whose mortgage have an outstanding unpaid balance of $250k or less, and…[...]

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Tags: fhfa mortgage reduction program, foreclosure relief, home modification, lendinglies, Livinglies, neil garfield esq
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http://www.usatoday.com/story/money/2016/07/18/fraud-complaints-cloud-foreclosure-relief/87103512/   n 2012, after a heart attack left him too ill to work and unable to make his mortgage payments on time, John M. Green turned to the Litvin Law Firm for help. Green, according, in part, to records he provided to federal bankruptcy court, said he paid the firm about $8,000 over the next two years to negotiate better…[...]

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Tags: Center for Public Integrity, foreclosure fraud complaints
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In addition to defrauding the borrower whose signature will be copied and fabricated for dozens of "sales" of loans and securities deriving their value from a nonexistent loan contract, this distorted practice does two things: (a) it cheats investors out of their assumed and expected interest in nonexistent mortgage loan contracts and  (b) it leaves "borrowers" in a parallel universe…[...]

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Tags: acceptance, Belanger, borrower, consideration, disclosure, foreclosure, foreclosure defense, foreclosure offense, fraud, loan contract, offer, rescission, securitization, trustee
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From Mark Hanson Advisors: http://mhanson.com/7-5-hanson-house-prices-ready/ The mind-numbing Case-Shiller regional charts below are presented without too much comment. The visual says it all. Bottom line: Q:  If 2006/07 was the peak of the largest housing bubble in history with affordability never better vis a’ vis exotic loans; easy availability of credit; unemployment in the 4%’s; the total workforce at record highs;…[...]

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Tags: home prices 2016, housing bubble 2016, unsustainable housing prices
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See:http://www.law.com/sites/articles/2016/07/15/unpublished-opinions-for-the-week-of-july-18-20116/?slreturn=20160615173820 15-4- 9718 Anim Inv. Co. v. Shaloub, N.J. Super. Chan. (Jerejian, J.S.C.) (13 pp.) Defendants borrowed $178,000 from Mina Investment Co. in September 1990, executing a mortgage in favor of MERS as nominee for Mina the same day. Defendants defaulted on the mortgage in November 1990. The mortgage was assigned to plaintiff in 1997. Notice of intent to foreclose…[...]

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Tags: foreclosure statute limitations new jersey, new jersey foreclosure
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By the Lending Lies Team http://www.zillow.com/research/foreclosures-and-wealth-inequality-12523/ Losing your home by foreclosure to a bank that used fabricated documents to foreclose is a tragedy that has tainted the American dream for millions of Americans. The process is unjust, unlawful and dehumanizing. But even years after the former homeowner has moved forward with their lives they sustain another injury they are probably…[...]

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Tags: foreclosure fraud, lendinglies, Livinglies, mega banks foreclose, middle class mass destruction, mortgage fraud
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https://theintercept.com/2016/07/12/eric-holders-longtime-excuse-for-not-prosecuting-banks-just-crashed-and-burned/ Eric Holder has long insisted that he tried really hard when he was attorney general to make criminal cases against big banks in the wake of the 2007 financial crisis. His excuse, which he made again just last month, was that Justice Department prosecutors didn’t have enough evidence to bring charges. Many critics have long suspected that was bullshit,…[...]

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Virtually none of the nonjudicial or judicial foreclosures can be won by banks without use of legal presumptions that lead the court to assume facts that are plainly untrue. The bottom line is that the rules of evidence require proof of the transaction chain with no right to rely on legal presumptions. The banks can't do that. Press hard on…[...]

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Tags: borrower, disclosure, foreclosure defense, foreclosure offense, fraud, legal presumptions, linda green, lost note admissions, lost ntoe admissions, PREDATORY LOANS, Reg Z, robo-signor, ruels of evidence, securitization
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