Relief for students will not be seriously addressed, as long as policymakers and lawmakers are listening to Wall Street. Wall Street has a vested interest in maintaining securitization infrastructures and perceives any reduction or elimination of debt as a destruction of their carefully conceived plan and execution of a fake securitization scheme that evolved over four decades. Relief won't happen,…[...]

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Hat tip for Scott Staffne, Esq. for uploading an "Outline of Oral Argument Re Motion for Sanctions." First, I commend the preparation, which is notoriously absent from most homeowner arguments and motions. In addition, both Homeowners proceeding pro se and frequently their attorneys are completely unprepared to raise objections to hearsay, business records, judicial notice, leading questions, and the absence…[...]

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The 50-state settlement and other settlements with the players in the financial markets did far more to elevate an illegal scheme than stop it.  In the struggle to make ends meet day to day and week to week, consumers are unable to keep up with the macroeconomic facts and even find it difficult to keep up with their own finances.…[...]

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As I have repeatedly reported, Wall Street's control over certain media outlets has consistently downplayed the number of foreclosures initiated against homeowners. We see far more articles saying foreclosures are low than anything warning about the flood that is happening. At the same time, the real data shows spikes everywhere. Wall Street has succeeded at lulling lawmakers and law enforcement…[...]

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So for those who report to me that they have already sent a QWR, DVL or demand letter, let me say that unless you are an experienced litigator who has received the latest education in connection with the preparation of such letters, you should seek and obtain advice and assistance from a licensed professional. Here, for example, is the partial…[...]

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People make a spectacular fatal error when they assume that anyone with whom they are corresponding, paying or calling is the slightest bit interested in preserving the integrity of a loan account. For the investment banks, this is not about loans. It is all about selling securities and then stealing homes.  The successful outcome to them is the house because…[...]

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nonjudicial is NOT supposed to be a workaround for due process. IT IS ILLEGAL TO USE NONJUDICIAL PROCESS THAT WAY. * The statistics are very clear. The foreclosure mills win far more often in nonjudicial foreclosures than in judicial foreclosures, where they are required to file a complaint containing allegations of fact that can then be tested in discovery. *…[...]

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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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