Hat tip to Summer chic From the very beginning --- when homeowners or prospective homeowners are first applying for a loan or refinance --- they are faced with (a) understanding the transaction (something that TILA was supposed to fix) (b) whether to go on offense and (c) whether to just wait and go on defense. Nobody wants to sign into…[...]

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EVERYONE GOT PAID. THERE IS NO FORECLOSURE INVOLVING A REMIC TRUST IN WHICH ANYONE HAS LOST MONEY BECAUSE A HOMEOWNER DIDN'T MAKE A PAYMENT.  All assignments "for value" in such siotautions are fake and false. I don't know why I keep doing it but ever since both decisions were in existence I have continually mixed up the names. I did…[...]

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If the claimant is only a holder it is highly probable that he is neither a holder in due course nor a true lender or creditor. If it was otherwise, he would say so. And only a party who has paid value for the underlying obligation may enforce a mortgage. (Article 9 §203 UCC, adopted verbatim in all U.S. jurisdictions).…[...]

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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, 6pm Eastern Thursdays * You have often heard me speak about how the foreclosure mills want to talk about the note but foreclosures are about the mortgage or deed of trust. Those are governed by two sets of rules or laws that…[...]

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See the preview of course materials for Wednesday (9/29) Webinar You definitely need a licensed trial attorney representing you. I know it is difficult to find, but start looking like your life depended upon it. Right now, from a  bird's eye view, most people would conclude that everything looks right with the chain of title. You need to educate a lawyer and judge so…[...]

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AS A FOLLOW-UP TO WHAT I WROTE A COUPLE OF DAYS AGO, FACEBOOK HAS JUST NOTIFIED ME THAT THEIR PREVIOUS BAN ON THE PHRASE "KEEP YOUR HOUSE" HAS BEEN LIFTED AND THE PAGES ARE NOW PUBLISHED AGAIN. There is an Orwellian atmosphere that has developed around the lending industry and the foreclosure industry. In a world where homeownership is supposedly…[...]

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See the preview of course materials for Wednesday (9/29) Webinar All causes of action against the REMIC trustee are going to be tricky. By contract, they have no duties and no responsibility for anything that happens with the trust. In court, they never actually appear. A lawyer shows up and says he represents Bank of New York Mellon, not on…[...]

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APPROVED FOR 2.5 CLE CREDITS APPROVED BY THE FLORIDA BAR HOMEOWNER ATTENDANCE PERMITTED  CLICK HERE --->Live and On-Demand Available Follow up conference call included CLICK HERE --->EARLY BIRD DISCOUNT EXTENDED Examination and Challenge of Assignments of Mortgage Enforcement consists of the legal process in which the mortgage lien is used to force the sale of the property and thus recover…[...]

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"Tammy Richards, the former head of operations at loanDepot, said the company’s founder was behind a scheme to flout regulations." NY Times.  See Her Complaint Here: full This LoanDepot case reveals how companies are "originating" loan documents without originating loans. If they were originating loans, nobody would allow or participate in any corporate culture that "approved" loan documentation and triggered…[...]

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You get an email soliciting you to call or submit information. If you don't look at the return email address you might think it was coming from a licensed company. It even has a "Disclosure box" at the bottom name-dropping various banks and financial entities to make it look good. First of all, this is probably a fishing expedition to…[...]

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