Editor's Note: Sheila Bair might have been thrown under the bus but she is still alive. Get her book if you really want to know about Obama and his team --- it was a war in the White House. When Obama gets a second term I think we are going to see a large shakeout of old economic advisers who…[...]

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Editor's Note: When I first approached lawyers in New Mexico about joining with me and my helping them with their cases, their universal answer was that the problem didn't exist in New Mexico. Oops. Now that things have slowed down in other states because those states are dealing with reality, the bar in New Mexico has to go through a…[...]

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Editor's Comment: It is no small wonder that the banks are scared. After all they created MERS and they control MERS and many of them own MERS. The Washington Supreme Court ruling leaves little doubt that MERS is a sham, leaving even less doubt that an industry is sprouting up for wrongful foreclosure in which trillions of dollars are at…[...]

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Deny and Discover, is the strategy developed by Neil Garfield and presented in recent seminars. The results have been profound. Those who employed it correctly have seen mostly rulings in favor of the borrower/debtor. Become a member (CLICK HERE TO SUBSCRIBE NOW) and you will be invited to our twice monthly discussions of strategies and tactics that work in foreclosure…[...]

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Legal support for homeowners fighting wrongful or unlawful foreclosure   I started thinking about different procedural matters that are the likely subject of objections that could be sustained by a trial judge and would most likely be affirmed by an appellate court. As for the authority of the BKR judge, the appropriate objection would seem to be that the court is not really a court and that the hearing…[...]

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In the attached white paper, it is clear that many of the findings and judgments of Bankruptcy judges have dubious standing. Once referred to as Referees, and appointed under entirely different rules, subject to removal without tenure etc.., the elevation of the people serving on the bench to the term "Judge" is what is causing the problem. In the Stern…[...]

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As most of you know, I don't advertise or allow advertisements from banks or other vendors all of whom bombard me with such requests. I don't want to dilute the message of the livinglies blog. But I have known the people who started this Family Savings Cooperative and it is working. The dues are more than reasonable ($30 lifetime membership)…[...]

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I keep getting the same feedback. I tried the Garfield method but the Judge wasn't buying it. From many others, I am getting feedback that they prevailed on the motion to lift stay, they prevailed on the motion to dismiss and they prevailed on the motion for summary judgment. So what is the difference? The reason is that the methods…[...]

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US Bank plays games with the wording of its "trustee" authority. They did it again here. They did not say they were appearing on behalf of the trust or the beneficiaries. In fact they failed to state that there were any beneficiaries. NO beneficiaries, no trust. In this case, their wording is corroborated by the evidence of lack thereof. They…[...]

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On a Scale of 1-12, 11-12 would be beyond a reasonable doubt (criminal cases), 8-9 Clear and convincing evidence (fraud), 6-8, preponderance --- i.e., more likely than not (normal civil cases), 3-4 probable cause (criminal --- reasonable basis to believe that a crime has been committed and there is a reasonable basis to conclude that the prosecution could prevail based…[...]

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