The general point of law here is that no amount of paperwork will make a transaction real if there was no money paid. And no amount of arguing to the contrary is legally recognizable or acceptable --- unless one simply presumes the transaction was real regardless of whether it happened or not. The corollary is that the transaction documents need…[...]
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What I have told clients of mine is that when seeking a lawyer who will play ball with us, you should see what pushes their buttons. Still, the main message is that "we know a guy who has won cases all over the country in which Judges ruled that the named claimant never owned any loan account due from the…[...]
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I have received a number of chat inquiries and registration statements in which homeowners have fat-fingered their own email addresses. They are probably thinking that the free service we say we are offering is just a sham. But the real problem is that I have no way of contacting them if their email address does not exist. In cases where…[...]
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The homeowner has committed no sin. If a scheduled payment has been missed, nobody loses any money. And the homeowners who are making the scheduled payments are contributing to the revenue and profits of entities who have obtained the signature, reputation, and property of the homeowners under false pretenses. * Practically all law --- i.e., every requirement of societies ---…[...]
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Many of the cases are technically "won" by homeowners who successfully point out that at the time the foreclosure commenced, the named claimant (plaintiff/beneficiary) did not have possession or construction possession of the promissory note and therefore had no legal standing to file suit. Common law precedent asserts that the judge is mandated to dismiss without prejudice which means the…[...]
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Understanding the Financial Industry Through Linguistics: How Applied Linguistics Can Prevent Financial Crisis by Richard C. Robinson and John Doukas I recommend the above book. Like the ancient Greek philosophers, I believe in first defining our terms before entering a discussion. I have consistently reported that so-called REMIC Trusts are neither REMICS nor trusts. The question has been posed to me then…[...]
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From Wikipedia, here is a description of some of the activities surrounding the collapse of LTCM (Long-Term Capital Management in 1998: At the beginning of 1998, the firm had equity of $4.7 billion and had borrowed over $124.5 billion with assets of around $129 billion, for a debt-to-equity ratio of over 25 to 1.[17] It had off-balance sheet derivative positions with a notional value of…[...]
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A REMIC trust is an acronym for Real Estate Mortgage Investment Trust. The problem, as we shall see here in this article, is that no such entity exists in most cases. That, in turn completely undermines claims by the lawyer representing the foreclosure mill, the claims asserted allegedly on behalf of the so-called REMIC TRUSTEE, and the claims (authority)of the…[...]
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I will generally not be available for communications or work on Monday, Wednesday or Friday starting at 1:30PM until November of 2022 when I complete cardiac rehab. Sincerely, Neil Garfield[...]
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Based upon 16 years of research, an investigation by our company, an investigation by third-party forensic analysts, and an investigation by law enforcement and law markets (see 50 state settlement, for example), it is legally, factually, and axiomatically true that lawyers who initiate foreclosure actions are most likely doing so without the benefit of a client who has a legally…[...]
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