Know your Options Foreclosure is a legal process that allows an entity claiming the legal right to do so to take ownership of a home when the borrower fails to keep up with mortgage payments. For homeowners facing foreclosure, this can be a frightening and stressful experience. The biggest question most homeowners have is: When is it too late to…[...]

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Tags: covius document services
Posted in Corruption, Servicer, Uncategorized |

A Homeowners Guide Facing foreclosure can be overwhelming, but homeowners should know that they have options. Even after the process begins, there are legal, financial, and negotiation strategies that can help stop foreclosure and save your home. This guide will break down everything you need to know about stopping foreclosure once it starts. Many times, the best defense is going…[...]

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Posted in Uncategorized |

Understanding Chapter 13 Bankruptcy and Foreclosure While our primary focus here at Livinglies.me is not bankruptcy, it is an important option to homeowners seeking to save their home from foreclosure. Sometimes, when homeowners come to us late in the foreclosure process, an emergency Bankruptcy is the only option. Don't wait until it's too late to put up a strong defense…[...]

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Tags: Chapter 13, covius document services, delay foreclosure
Posted in foreclosure defenses |

Neil Garfield and I have been fighting illegal foreclosures for over 20 years. Here at Livinglies.me sometimes we win big and get the house back after foreclosure and eviction. Wins can come in all forms for us in the Foreclosure Litigation support arena. Here is our latest win in the making in the state of Washington. Foreclosed upon, Ignored by…[...]

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Tags: default, foreclosure offense, foreclosures
Posted in Corruption, Eviction |

Winning Takes Many Forms We get asked all the time: What counts as a win in a foreclosure lawsuit? For our clients, a win means keeping their home or holding fraudulent lenders accountable. Wins may look different from case to case, but every one matters. If a pretend lender dismisses their foreclosure case, that’s a win. If a sale date…[...]

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Tags: anatomy of a foreclosure lawsuit, foreclosure defense, foreclosures
Posted in evidence, foreclosure defenses, Uncategorized |

Understanding the Role of Notarized Documents in Foreclosure Defense When it comes to foreclosure defense, one critical area of focus is the validity of notarized documents. Homeowners facing foreclosure often encounter documents that appear official and binding simply because they bear a notary’s seal. However, not all notarized documents are created equal. In fact, many documents used in foreclosure cases…[...]

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Posted in discovery, expert witness, Fabrication of documents |

When a homeowner faces an unlawful detainer (eviction) judgment in California, the immediate concern is often: “How can I delay the sheriff’s lockout and gain more time?” The California Code of Civil Procedure (CCP) §918 provides a potential lifeline for individuals who are dealing with extreme financial or personal hardships. However, like most legal tools, it’s effective only when used…[...]

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Tags: foreclosure defense
Posted in Eviction, foreclosure defenses |

Are you facing foreclosure? When the bank comes knocking, threatening to take your home, it can feel like the end of the world. But let me tell you this: foreclosure is not the end of the road. Homeowners have rights. What are the best ways to stop a foreclosure? Let’s break it down in plain English. Step 1: Know Your…[...]

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Tags: foreclosure, foreclosure defense, foreclosure offense
Posted in foreclosure defenses, legal standing |

When it comes to foreclosure cases, many courts automatically treat the plaintiff—the party bringing the foreclosure—as a "holder in due course," even though no one specifically asks them to do that. But this isn’t always the correct legal standard. Especially when you know the law and Uniform Commercial Code 3-302 One of our favorite areas of Foreclosure Defense here at…[...]

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Tags: foreclosure, foreclosure defense, foreclosures
Posted in Uncategorized |

Unveil the truth behind trustee roles in foreclosure and how U.S. Bank's own brochure is a bombshell revelation with Living Lies. The Illusion of Trustee Power When foreclosure documents list U.S. Bank, Deutsche Bank, or Bank of New York Mellon as trustees, homeowners often assume these institutions are directly managing their loans. But recently, an internal U.S. Bank brochure surfaced,…[...]

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Tags: foreclosure defense
Posted in Corruption, securities fraud |