I think everyone should send a complaint to the CFPB as follows: * Like millions of other homeowners, I have been trying to get one simple answer to one simple question: What is the current status of any unpaid loan account receivable due from me? And for years we have all failed to get any response that answered the question. Here…[...]

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it is the failure to contest every element of every piece of correspondence, notice, or pleading that produces the "inevitable" result. People like to talk about the corruption of the courts and maybe they are right to a certain extent. Court bias is a problem. But a good part of that problem comes from the lack of proper litigation in…[...]

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see https://www.fhfa.gov/SupervisionRegulation/LegalDocuments/Documents/Litigation/FHFA_v_JP_Morgan_Complaint.pdf In a complaint filed on September 2, 2011, the Federal Housing Finance Association alleged the following: A mortgage servicer is necessary to manage the collection of proceeds from the mortgage loans. The servicer is responsible for collecting homeowners’ mortgage loan payments, which the servicer remits to the trustee after deducting a monthly servicing fee. The servicer’s duties include…[...]

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IT IS ALL SIMULATION, SMOKE, MIRRORS AND LIES. YOU DON'T OWE THE DEBT THEY CLAIM YOU OWE. THEY OWE YOU MONEY.  see also https://livinglies.me/2017/02/03/us-bank-business-rent-a-name-trustee/ AIIM is not a misspelling. The Association for Intelligent Information Management (AIIM), founded as the National Microfilm Association, later the National Micrographics Association and then Association for Information and Image Management, is a nonprofit membership organization. AIIM provides education, market research, and…[...]

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Missouri law has long upheld properly conducted foreclosure sales, even if the sale price seems unusually low. In good news for lenders, and indeed for all parties to a sale, another court of appeals has rejected a borrower’s effort to overturn this policy and upheld a challenged foreclosure sale. The Missouri Court of Appeals for the Southern District just confirmed…[...]

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I have been inundated by emails and comments from people who are frustrated by the apparent futility of challenging claims whose success depends solely and entirely on the ability of the lawyer for a designated claimant to outlast their targets --- i.e. consumers of fake debt products. * There is a substantive response and a procedural response. Here is my…[...]

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There is no sale of the obligation, note or mortgage and so there is no securitization of debt. By splitting the attributes of behavior from the provisions of the executed documents and changing the description of the behavior, an investment bank could, in essence, sell the apparent debt an unlimited number of times without ever recording the sale of the debt, note or mortgage. In…[...]

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Posted in Corruption, discovery, Fabrication of documents, foreclosure defenses, foreclosure mill, legal standing, Pleading, Servicer |

The claim of securitization is present in virtually every case of a loan account receivable. It is a false claim. All  subsquent claims to administer, collect or enforce the alleged loaon account receivable are therefore also false. But the false claim becomes the law of the case unless the consumer --- with no help from government agencies that are tasked…[...]

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I have long argued that any correspondence or agreements executed by homeowners as "borrowers" presented a danger of waiving all of their home equity. This is true as to the fundamental equation and to the statute of limitations. * The fundamental equation is that when the homeowner is contacted there is no loan account receivable and therefore no creditor. BUT…[...]

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See Naimoli v. Ocwen Loan Servicing, LLC, 20-1683-cv, at *15 (2d Cir. Jan. 7, 2022) The following was decided by the court to be covered violations, including a catch-all provision in which anything related to "servicing" is included: (1) Failure to accept a payment that conforms to the servicer's written requirements for the borrower to follow in making payments. (2)…[...]

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