LivingLies Blog

Business Records Clarity

Nov 30, 2022

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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LPOA: Creating the Illusion of Something Out of Nothing

Nov 29, 2022

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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Enforcement of Discovery — Sanctions

Nov 23, 2022

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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Michael Hill, Associated Press is on to something HUGE! Zombie foreclosures

Nov 22, 2022

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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Why I always knew that "servicers" were not acting like "servicers" and "creditors" were not acting like "creditors"

Nov 21, 2022

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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Don't ask for the true identity of the "holder of the note." Ask instead for the identity of the holder in due course or the creditor.

Nov 18, 2022

The point is not the identity of the "holder" of the note. The point is the identity of the party who owns and maintains an unpaid loan account receivable that is due from you to that party. The problem with asking for the identity of the holder of the note is that there is a legal presumption that arises from…[...]

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The "Debt" rabbit hole

Nov 17, 2022

Take care to distinguish what contract you're talking about. If you receive money, the law says you must give it back unless it was payment for something or it was a gift. In that sense, the law imposes a contract on people even if they are not thinking about or writing a contract. * In fact, even if there is…[...]

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foreclosure defenses Foreclosure Questions

How to Defeat Claims of "Business Record Exception" to the Hearsay Rule.

Nov 16, 2022

Foreclosure Defense Attorney Reviewing Documents

Disclaimer: This article is for educational purposes only and does not constitute legal advice. Always consult with a licensed attorney regarding your specific case. The Role of Business Records in Foreclosure Cases Any experienced foreclosure defense litigator will tell you: nearly every foreclosure case today relies on business records as the primary evidence that a loan account exists and that…[...]

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It is easy to blame judges for corruption, but it is more accurate to blame them for ignorance and arrogance.

Nov 15, 2022

Homeowners (and my readers, in particular) are completely correct in asserting at least the appearance of corruption by judges. Virtually all of them have their retirement invested partially or even mostly in funds that rely heavily on purchasing "Mortgage-Backed Securities." Hence, if judges were to rule against the lawyers asserting representation of banks like "U.S. Bank as trustee..." (Blah blah),…[...]

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Illegal legal Doctrine: The Homeowner Should Always Lose." —How the courts paved the way to allow illegal foreclosures to be tried, retried and tried again

Nov 14, 2022

... the courts have been following an illegal doctrine for about 25 years. It is called "The Homeowner Should Always Lose." This is closely related to the corollary doctrine of "False Foreclosure Claims Should be Allowed to Prevent Economic Disaster." Besides foreclosure litigation, several rules and laws limit how long a claimant in civil litigation can drag out their claim.…[...]

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HTTP Error 500.30 - ASP.NET Core app failed to start

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Business Records Clarity

LPOA: Creating the Illusion of Something Out of Nothing

Enforcement of Discovery — Sanctions

Michael Hill, Associated Press is on to something HUGE! Zombie foreclosures

Why I always knew that "servicers" were not acting like "servicers" and "creditors" were not acting like "creditors"

Don't ask for the true identity of the "holder of the note." Ask instead for the identity of the holder in due course or the creditor.

The "Debt" rabbit hole

How to Defeat Claims of "Business Record Exception" to the Hearsay Rule.

It is easy to blame judges for corruption, but it is more accurate to blame them for ignorance and arrogance.

Illegal legal Doctrine: The Homeowner Should Always Lose." —How the courts paved the way to allow illegal foreclosures to be tried, retried and tried again

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HTTP Error 500.30 - ASP.NET Core app failed to start

Common solutions to this issue:

Troubleshooting steps:

For more guidance on diagnosing and handling these errors, visit Troubleshoot ASP.NET Core on Azure App Service and IIS.

HTTP Error 500.30 - ASP.NET Core app failed to start

Common solutions to this issue:

Troubleshooting steps:

For more guidance on diagnosing and handling these errors, visit Troubleshoot ASP.NET Core on Azure App Service and IIS.

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Contact Our National Headquarters Phone: 844-583-5339

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HTTP Error 500.30 - ASP.NET Core app failed to start

Common solutions to this issue:

Troubleshooting steps:

For more guidance on diagnosing and handling these errors, visit Troubleshoot ASP.NET Core on Azure App Service and IIS.