The following link leads to an oversimplified chart of a conventional loan transaction, leaving out the actual people at each step and leaving out several of the computer servers: CHART: Conventional Loan Transaction Most people don't have any idea about the number of steps and the number of people in the number of vendors that are involved with a single…[...]

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Like everything else, "servicer advances" is a false label. There is no money being advanced. But there is money received by institutional investors who bought certificates under the mistaken belief that they were mortgage-backed securities. They receive that money regardless of whether or not payments are made by homeowners. The test for whether or not they will actually receive the…[...]

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Tags: Credit Suisse, securitization PONZI, Servicer advances, yield spread premium
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By the time most lawyers are retained to represent a homeowner, the homeowner has already created damage. The lawyer's task is magnified by the need to first perform damage control before asserting claims and defenses. The bottom line is that homeowners lack credibility when they assert defenses that conflict with their own behavior and their own prior statements. It was…[...]

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Tags: Dunning-Kruger effect, foreclosure labels, groupthink, TILA, TILA disclosures
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https://us02web.zoom.us/rec/share/OvaYrSuhI_f7vcWjlyyV5Xb9h7oM0eMFKvavHk5t8TivojJ-DWsoUqq15QgDdc3g.SRzwbv8GE4yhbqwV Passcode: ykp4RD+8  [...]

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The simple answer is maybe. But even the act of avoiding information that would inform the lawyer that his assertion or argument in court is false, does not make a case for accusing the Lawyer of lying. This is very frustrating for most people. Lying is an intentional act. In order to legally accuse someone of lying they must know…[...]

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CLICK HERE FOR FREE WEBINAR ON FRIDAY 4PM   CASE DECISIONS ARE NOT SCRIPTURE. But they are precedent and you can expect that once a decision is rendered by an appellate court in a specific jurisdiction all the lower courts in that jurisdiction will most likely follow the reasoning and application of the law in that appellate decision. This fact,…[...]

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Thursdays LIVE! Click into the Neil Garfield Show Tonight’s Show Hosted by Neil Garfield, Esq. Call in at (347) 850-1260, 6 pm Eastern Thursdays It was pure serendipity. There are three areas of expertise required to understand the current developments in the lending marketplace: Investment banking and the sale of securities Accounting and auditing Trial Law That has been my life…[...]

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CLICK HERE FOR FREE WEBINAR ON FRIDAY 4PM * I am getting a lot more inquiries about reverse mortgages in which Foreclosure is threatened. That's far, there appears to be no difference in the challenges and offenses available to homeowner homeowners between what is ordinarily falsely described as a "conventional Loan" and a "reverse mortgage loan." The goal of the…[...]

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Tags: CELINK, Ocwen, PHH, reverse mortgage, securitization, webinar
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What to do before the shooting starts APPROVED FOR 1.0 CLE CREDITS APPROVED BY THE FLORIDA BAR HOMEOWNER ATTENDANCE PERMITTED I invite ALL READERS to attend the following Webinar this Friday at 4PM EST. I am doing it without charge although as always I invite donations to livinglies.me. https://livinglies.me/2021/11/11/the-real-deal-required-reading-for-free-webinar-next-friday-11-19-4pm-est/ TECH Problem: If you want the seminar materials please write to…[...]

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I’m often bewildered when people act surprised by what I’ve been documenting for years. Everything on my blog comes from hard data, legal proceedings, and administrative findings — not speculation. Yes, the system is corrupt. But here’s the reality: being right isn’t enough in court. If you step into litigation without understanding procedure and evidence, you’ll likely lose. For 15…[...]

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Tags: Black Knight, Docx, DocX Indictment, fake documents, FINTECH, Goldman Sachs, LPS Default Solutions, Nevada, securitization, ServiceLink
Posted in Corruption, Fabrication of documents, foreclosure defenses, Uncategorized |