Multiple reports around the country have demonstrated that there is overwhelming evidence of corruption in the office that records instruments in the title chain of real property. * In a few rare interviews, the people who run such offices have complained that they are being forced to record documents that are actually outside of the chain of title. This is…[...]

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Hat tip to summer chic Echoing the questions issued by multiple judges when the mortgage meltdown became clear, the question I pose is the same as those posed by J udge Shack, Boyco and others back in 2007-2009: Why is it that the largest  financial conglmerates in existence continually invesst together in companies that aid theirrespective enterprises. They suppsoedly compete…[...]

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Most lawyers and even homeowners have heard that for a settlement or modification to be approved, it needs to go up through several layers. After comparing notes with Bill Paatalo, I believe the following is a true description of the enforcement infrastructure for virtually all transactions with homeowners arising from business schemes that serve to sell securities. The top rung…[...]

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For 25 years, Ocwen and the companies it has "acquired" through mergers or acquisitions have been falsely allowing third parties to use its name to pose as lenders and servicers. They have always been parties to Purchase and Assumption Agreements (both titled as such and using other titles) in which the complete ownership and control of any closing and servicing…[...]

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 In 2013, while I was litigating these cases in Tallahassee Florida, there were several circuit judges on the bench who were both thoughtful and analytical. They were the first ones (out of many judges) who questioned two specific aspects of the foreclosure crisis: (1) why were servicers changed so often? and (2) why were modifications seemingly random rather than following…[...]

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Business has been transformed from the sale of goods and services to procuring the private information and signatures of consumers to generate revenue far above "price" of the target product or service that the consumer believed they were purchasing. In the case of foreclosures or mortgage transactions, there is a complete absence of disclosure. In most other transactions, especially those…[...]

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See https://www.marketwatch.com/picks/dramatic-increase-foreclosure-filings-are-up-more-than-150-heres-what-that-tells-us-about-the-housing-market-01659181360 Here is the unvarnished truth from the dark side: The number of foreclosure starts — which is when the first public foreclosure notice happens — is up 219% since the start of the year, according to real estate data analytics firm ATTOM Data Solutions’ midyear 2022 U.S. foreclosure market report. What’s more, the number of properties that had…[...]

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https://www.cfsreview.com/2022/02/cfpb-issues-revised-administrative-litigation-procedures-signaling-possible-increase-in-in-house-adjudications/ Officials at the CFPB have cautiously opened the door to administrative hearings conducted by the Bureau, subject to the administrative procedures act. This may sound like boring stuff, but the end result could be the ability to bring claims in an administrative hearing rather than in court. Even the current revised administrative litigation procedures represent a paradigm shift by…[...]

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I don't think that is is unfair to say that much of the financial system as operated today is taking money, wealth and opportunity from the poor and middle class and giving it to the rich (management and stockholders) of companies that label themselves as conducting "financial services." But it is both unfair and unwise to advocate throwing out a…[...]

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Hat tip to Summer chic I have been receiving a lot of really good contributions from Summer chic, and she deserves a big atta girl. Her latest is the issue raised by the Bruce's Beach case in which property owned by a family, fair and square, was subject to several instruments of conveyance that made their property the property of…[...]

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