Click in to tune in at The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays More than 24,000 people listen to the Neil Garfield Show. Maybe you should too. The parties were invited to attend a meeting at which the borrowers signed the papers. The originator is usually not in attendance. The closing agent, usually a…[...]

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You know something stupid is going on when you see tens of millions of dollars spent on ads enticing consumers to get a loan at 2.99%. There is no profit at that rate so something else is going on --- leading to the conclusion that disclosure from the start has been misleading --- unknown to the borrower. =================================== For more…[...]

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Tags: foreclosures, mortgages, TILA rescission
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While it is true that the loan deal is over the moment that the notice of cancellation and/or rescission is put in the mail, there is a different starting date for when the recipient is bound to comply with TILA Rescission statutes. The days for compliance begin upon presumed receipt or actual receipt depending upon the facts of the situation…[...]

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The RF doctrine is generally thought to mean that anything that was litigated in state court cannot be brought up in Federal court and that the reverse is also true. One of my anonymous contributors has detected a case that makes the whole RF doctrine thing and res judicata doctrines COMPARED and found to be different. Here is what he…[...]

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NEW FEATURE: YOU KNOW THERE IS SOMETHING STUPID GOING ON: You know there is something stupid going on when the banks have us thinking that our FICO score is more important than having money. Isn't that the real reason wages stagnated (replacing wages with debt)? ==================================== For further information please call 954-495-9867 or 520-405-1688 This is not a legal opinion…[...]

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see OCC NR 2015-6 Servicers Actions Restricted and 3 Services Released 2015 06 17 The OCC also has determined that EverBank; HSBC Bank USA, N.A.; JPMorgan Chase Bank, N.A.; Santander Bank, National Association; U.S. Bank National Association; and Wells Fargo Bank, N.A., have not met all of the requirements of the consent orders. As a result, the amended orders issued…[...]

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Tags: foreclosure, OCC
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Click in to tune in at The Neil Garfield Show Or call in at (347) 850-1260, 6pm Eastern Thursdays More than 20,000 people listen to the Neil Garfield Show. Maybe you should too. ====================================================== Most lawyers are concluding after much study that what I am saying on the blog is correct, albeit with disgust from the bench that basically regards…[...]

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For more information please call 954-495-9867 or 520-405-1688 NOTE: There are strategic nuances here on when to do what. That is included in our rescission package. Some things are better left unsaid in a public forum. This is not an opinion of law upon which you should rely. You should find an attorney who has studied this issue carefully and…[...]

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Tags: 20 days, disgorgement of money under TILA rescision, jesinoski, rescission, return of canceled note, satisfaction of mortgage, TILA, US Supreme Court
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For more information please call 954-495-9867 or 520-405-1688 SEEK THE SERVICES OF AN ATTORNEY LICENSED TO PRACTICE IN THE JURISDICTION IN WHICH YOUR PROPERTY IS LOCATED. THIS IS NO SUBSTITUTE FOR A LAWYER WHO KNOWS YOUR CASE AND LOCAL RULES AND LAWS. ====================================== Like rescission, if you start out from the wrong place, you get eaten alive by the arguments…[...]

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For more information please call 954-495-9867 or 520-405-1688 ============================= see http://www.acainternational.org/cfpbarticle-cfpb-director-richard-cordray-increases-mortgage-lenders-fine-in-administrative-ruling-36088.aspx also see http://www.lexology.com/library/detail.aspx?g=4d27518f-a3a7-4338-8070-34af71e56d9e At the end of the day, most everyone knows most everything. Here in a patent insurance kickback scheme that was obviously not disclosed to the borrower, the Judge ordered the lender to pay $6.4 million. On appeal Director Cordray (former Ohio Attorney General) said the administrative…[...]

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