I think the article presents some very valuable information, insight and analysis. But it fails to take into account the central weakness. * see Credit rating failure 47.full * The certificates that are referred to as "mortgage-backed securities" are neither mortgage-backed nor securities. There have been at least dozens of cases in which tax treatment or liability of the trustee…[...]

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It is true that someone will execute a release of the lien. What is not true is that they have any authority to do so --- nor is it true that PHH has any right to receive any money, whether it is a monthly payment or a payoff. In fact it is not true that PHH will receive any money.…[...]

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Tags: Ocwen, PHH, Reverse Mortgage Solutions
Posted in Corruption, discovery, Fabrication of documents, foreclosure mill, legal standing, Servicer |

People keep getting letters and they tend to treat the information as real simply because it is in writing. That is the nub of the Wall Street scheme --- send out written communication and documents without regard to the truth and people will assume that the document or letter would not have been sent if at least someone didn't think…[...]

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Tags: borrower, FINTECH, foreclosure defense, foreclosure offense, LOAN MODIFICATION, Pennymac
Posted in Corruption, Fabrication of documents, foreclosure mill, Modification, Servicer |

The Truth About Wilmington Savings Fund Society (WSFS) and Fake Trust Names Foreclosure filings often name powerful-sounding entities like “Wilmington Savings Fund Society, FSB d/b/a Christiana Trust as Owner Trustee of the Residential Credit Opportunities Trust III.” Asking The Right Questions to Uncover The Truth To fully understand this, our founding foreclosure defense attorney, Neil Garfield, Esq., starts his investigation…[...]

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Tags: Wilmington FSB Foreclosures, Wilmington Savings Fund Society, WSFS
Posted in Corruption |

Thursdays LIVE! Click into the WEST COAST Neil Garfield Show with Attorney Charles Marshall Or call in at (347) 850-1260, 6pm Eastern Thursdays Now that the various foreclosure and eviction moratoriums have either ended, or are on life support, it is more important than ever for homeowners in or near foreclosure, to exploit the paper trail created by servicers and purported mortgage…[...]

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The certificate holders are creditors of the beneficiary investment bank who is merely doing the business under the name or label of the "trust." In short, it is a recitation of an investment bank doing business with itself. If you name your car Mary Ann it does not imbue the car with the attributes of a living being. But there…[...]

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A QWR is a qualified written request under the rules of RESPA. A DVL is a debt validation letter under the rules of the FDCPA. Centers of either one must conform to the existing rules --- not what they would like the rules to be. The purpose of a QWR or a DVL is to resolve questions or disputes. It…[...]

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This New Webinar is about what to do before the battle begins. APPROVED FOR 1.0 CLE CREDITS APPROVED BY THE FLORIDA BAR (1 Hour Presentation) Course Materials and Follow up conference call included. LIVE Streaming Presentation 4pm EST 11/19/21) (Q&A 12/3/21 at 4PM EST). HOMEOWNER ATTENDANCE PERMITTED Click Here --->SIGN UP NOW Prelitigation Advice and Proactive Legal Actions in Foreclosure…[...]

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CONFIRM SAULE OMAROVA AS HEAD OF OCC!! ---------------------------------------------------------- "Bank of New York Mellon as trustee for the certificate holders" is an exercise in deceit and fraud. Lawyers for homeowners should pay more attention to filing a motion to dismiss or a motion for more definite statement as to the identification of the claimant.  It is simply human to try to…[...]

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Tags: Bank of New York Mellon, BONY
Posted in Uncategorized |

Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil Garfield, Esq. Call in at (347) 850-1260, 6pm Eastern Thursdays Nearly all consumers think they're litigating or dealing with banks when in fact they're not. Tonight we look at basic elements of winning based upon 16 years of experience, research, and data collection. Here are some of the…[...]

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