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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The securitization scheme invented back in early 1970,s and gradually introduced into the lending marketplace starting in 1983, is so complex, convoluted, and misleading that it is easy to miss the focus of the plan and, therefore easy to miss the opportunities presented to homeowners and other consumers when they challenge claims. Summer Chic asked the question about suing the…[...]

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I recommend against raising an issue that you cannot prove. Specifically, the allegation that there are false claims of securitization of debt broadens the litigation beyond that which the judge is likely to consider. Further it probably requires an allegation of fraud which increases your burden of proof to clear and convincing from the normal preponderance of the evidence. And…[...]

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As foreclosure filings and threats spike, so too will the number of fraudulent offerings that guarantee you an outcome, require upfront payment or worse --- ask you to deed the property to the kindly person who has "all the answers." Nobody has all the answers, and nobody can guarantee anything regarding foreclosures, modifications, or settlements. If they say they do…[...]

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I have been saying for years that the continuation of current securitization practices will result in another crash similar to 2008, although perhaps not quite severe. A key indicator is the number of pretender lenders that file for bankruptcy. It is spiking as you can see from the article contained in the link below. see https://finance.yahoo.com/news/us-mortgage-lenders-starting-bankrupt-191500850.html Lawmakers and law enforcement…[...]

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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…[...]

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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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