Ponzi schemes work because of the continuing success of the tactical big lie --- i.e., nobody would tell a lie that big because it would discovered and therefore it must be true. The big lie became deadly on Wall Street when it moved a deformed securitization tactic into the lending marketplace, claiming that loan accounts were being created. In truth,…[...]
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Many people try to draft lawsuits against the "servicers" and other actors who pretend to have credentials and status in connection with the existence, ownership, administration, collection, and enforcement of an implied unpaid loan account. When pro se litigants do it, they do so without knowledge of the normal rules of procedure and normal customs and practices in drafting a…[...]
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Most articles on foreclosure miss a critical point: mere possession of a promissory note does not entitle the possessor to enforce it — let alone foreclose on property. Possession Is Not Ownership A possessor is simply someone holding the original note. Example: if a courier delivers a promissory note and tries to enforce it, that would be theft. Possession alone…[...]Continue Reading
Most of the "important" "correspondence" and "notices" in alleged claims to administer, collect or enforce alleged obligations due from homeowners is delivered to homeowners via carriers other than the US Post Post Office. That is because the alleged senders and the actual senders avoid criminal liability for potential mail fraud claims. Mail fraud statutes relate to the use of the…[...]
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Since the times of ancient Greece and even before that, it has been a commonly used statement that before discussion of an issue each party should precisely define their terms. The obvious conclusion has been that without agreed definitions, it is highly probable that each side is talking about something different and making no point in the debate. Every generation…[...]
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Hat tip to Ralph, who writes * Once a Lender has been paid, the Lender has been paid. My point is that paragraph #23 is black & white... It's only that Courts and Nincompoops overthink it that makes it ineffectual. Read in the spirit of "Pain Language", it says all that needs to be said. "23. Lender’s Obligation to Discharge…[...]
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USE COMMON SENSE: Why would anyone do that? Most consumers are in a new class of disabled Americans.
Aug 21, 2022
I have long believed that the reason why Hillary Rodham Clinton became radioactive consisted of two things: first was the popularity of Ronald Reagan who hated a program that started with bipartisan consensus in 1971. It was called the Legal Services Corporation. The LSC was an obviously needed program to provide access to legal services to those who would otherwise…[...]
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Stop Assuming the Loan Account exists or that the amount reported as due is correct. It usually is not.
Aug 19, 2022
The fact that a homeowner receives SOME money does not mean they received the benefit of the entire balance recited on the promissory note. Most likely they didn't receive the entire amount and in many cases they received no benefit whatsoever. Without retiring the old securitization infrastructure that includes false claiams of securization of debt, "refinancing" musually involves merely starting…[...]
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Homeowners do not win their cases because they proved the claim was false. They win their cases by preventing the lawyers from the foreclosure mill from putting on the required evidence to establish the claim. * Law is confusing because it is extremely obtuse at times, and it depends heavily on laws and rules of procedure that cannot be fully…[...]
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Whether you are fan of Occam's Razor or Sherlock Holmes, the conlusion is usually the same. And the corrolary is that people tend to pursue complex paths of investigation and challenges when the simple answer is the only thing that will help them. Like many people, I tend to overthink some issues. When people do that, they end up looking…[...]
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