The problem as illustrated by many scholarly articles and articles on this blog is that courts are given to treat plaintiffs and claimants as holders in due course without anyone asking them to do so. The first thing you need to know about Foreclosure is that it is only about money. If you have the money and you pay it,…[...]

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Tags: Article 3 UCC, article 9 UCC
Posted in Corruption, evidence, expert witness, Fabrication of documents, foreclosure defenses, foreclosure mill, legal standing, Pleading, Servicer |

I keep getting messages from homeowners who are furious with the corrupt system of the courts because they tried to call a witness to testify as an expert and they failed. Calling an expert means you must fulfill numerous requirements. One of them, the threshold question, is whether an expert is even needed. The Judge determines if an expert is…[...]

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Several contributors to the blog have identified specific information regarding the true owner and operator of physical mail addresses used in connection with correspondence, statements, and notices sent out under the letterhead of some company that is claimed to be a servicer. This is important information as it supports the premise about the role of companies who are named "servicers."…[...]

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Almost everyone writing articles about consumer finance, mortgage loans, and servicing is now in agreement that there are viable meritorious defenses for the consumer. True, they are not obvious to the casual observer, which is part of the problem. see NCLC Digital Library - 12 Ways to Fight Foreclosure of Zombie Second Mortgages - 2022-03-28 But the defenses available to…[...]

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Tags: FDCPA, RESPA, zombie, zombie foreclosures
Posted in Corruption, Fabrication of documents, Servicer |

Dubin reports that the status of judicial consensus in California is pretty much the way it was before he entered the battle in Hawaii. I think he is starting to change that with inventive ways to educate the courts and give them pause before they rubber-stamp another foreclosure. see Dubin Graphic Foreclosure Defense The simple truth is that unless the…[...]

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I think that the best answer you can give is no, there is not any money owed. You can only "go there" (money owed) if you describe the transaction as a loan. But every loan has some basic common sense characteristics or attributes: There is no other reason or intent to give the consumer any money. The transaction is legal ---…[...]

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Due to scheduling conflicts, I am unable to appear on the Neil Garfield Show tonight. Click on the links for past shows --- there are hundreds of them! Nobody realized that investment securities brokers were seeking to convert themselves into a printing press for hypothetical money. They were allowing investment banks to securitize imagination. Any hypothetical event, movement or data…[...]

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If you refer to the company that has been named as the "servicer" for your "loan", as your servicer or your lender, you are already wrong. Regardless of what company is named as "servicer", it is not receiving any payment that you have ever directed to them or any predecessor company that was designated as "Servicer" (most likely by a…[...]

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The underlying obligations had long since been eliminated by the process of securitization. But by not reporting the elimination of the loan account receivable, Wall Street has been able to maintain the illusion that they still exist. There are some strategies that show promise on the early end of this spectrum. But first, you have to establish the inability of…[...]

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  If anything is crystal clear today, it is that there is no federal or state government agency that is going to help the consumer or specifically homeowners. In this re-publish of an article by RICHARD BOWEN, the complicity of the SEC in adding and abetting securitization illusions and delusions is readily apparent. see https://richardmbowen.com/the-bank-foxes-are-guarding-the-sec-chicken-coop/?fbclid=IwAR1W3HUiXoOJsfX7M6lDSnJ24ZKxTn5HmVn_6gGUVV8XUOgPk0heGM7d-mQ Here are some quotes from…[...]

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