May 2022 bring us security and happiness.  Let justice prevail!!!   And a BIG Thank You to all my readers and contributors. I could not keep this up without you guys.   Best regards,   NEIL[...]

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Simple answer: pro se litigants can win and do win.  But they mostly lose and they lose because they know nothing about court procedure. Competent trial counsel knows his or her way through the treacherous waters of litigation. Homeowners want the courts to do the work but that is not their job. * The cost of hiring competent trial counsel is high. So the question becomes…[...]

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I state with great confidence that among those homeowners who perform and achieve a slam dunk win over the foreclosure lawyers, the great majority enjoy that victory because they did the investigation and hired a lawyer who knew what to do with the information (as opposed to slinging it at the judge and expecting the judge to make sense of…[...]

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Tags: Black Knight, Core Logic
Posted in Corruption, discovery, evidence, expert witness, Fabrication of documents, foreclosure defenses, foreclosure mill, Pleading, Servicer |

There are judges across the land who are asking questions that are extremely uncomfortable for lawyers who are seeking protection under litigation immunity. In one specific case there was an exchange in court between the attorney that was pursuing Foreclosure and the judge. The challenge presented by the homeowner was simply that the attorney did not represent any party with…[...]

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see https://www.npr.org/2021/12/13/1063767973/saule-omarova-gets-candid-banks-sank-her-nomination-to-head-occ Sheila Bair was forced to resign as head of the FDIC. Very few people remember that Obama made her resign. That means she was fired. She objected to the "save the banks" strategy started by the Bush administration in 2008 and continued by the Obama, Trump and Biden Administrations. All of them are captive audiences who are hearing…[...]

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The only thing Judges have heard from all corners of the body politic is that the transactions with homeowners were in fact loans --- frequently admitted by homeowners who are equally ignorant --- and that any other legal approach (to foreclosures) would give an undeserved windfall to homeowners --- which would somehow undermine the entire financial and social system of…[...]

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Tags: Judge Botchko
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Although I am qualified to practice in bankruptcy court, I do not consider myself to be a competent qualified bankruptcy lawyer. On bankruptcy questions, you absolutely need to consult with a bankruptcy lawyer who only does bankruptcy. * The filing of a bankruptcy petition starts an administrative process that includes some elements of litigation, including discovery. In my opinion, you…[...]

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In a dispute between the attorney for the homeowner and the attorney for the alleged "lender", there are a number of devices that are nearly universally applied across the country in order to ridicule and defeat the homeowner. The more you are aware of them, the better you will be prepared to deal with them. Opposing counsel is instructed to…[...]

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Tags: Fannie MAe, vexatious litigation, Wachovia, Wells Fargo
Posted in discovery, evidence, expert witness, Fabrication of documents, legal standing, Modification, Wells Fargo |

EVERYONE IS GETTING A PIECE OF THE SECURITIZATION PIE EXCEPT CONSUMERS WITHOUT WHOM IT WOULD NOT EXIST Retailers are NEVER going to challenge what Wall Street is doing to consumers because virtually everything is sold with an offer to make installment payments --- which in turn results in the sale of securities far in excess of any purchase. Retailers have increased…[...]

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There is an important difference between sending letters to regulators complaining about lack of action on behalf of consumers and sending a QWR, DVL and complaints to CFPB and State Attroeny General on specific cases. The first one is a political act, not likely to produce results unless millions of people join with you in one form or another. The…[...]

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