EDITOR'S NOTE: AS MY LAUNCH POINT I AM USING THE FOLLOWING COMMENT POSTED TO THIS BLOG. I'M NOT SURE WHO ACTUALLY ORIGINATED MOST OF THE ORIGINAL LANGUAGE FOUND BELOW BUT WHOEVER IT WAS, THEY KNOW WHAT THEY ARE TALKING ABOUT. Almost everything done during this mortgage fraud was accomplished through the use of electronic media. MERS is simply an electronic…[...]

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Tags: data, database, electronic discovery, email, evidence, ftp, MERS, metadata, server, spoliation
Posted in bubble, Corruption, Eviction, evidence, expert witness, foreclosure mill, Modification, Motions, Pleading, Servicer |

EDITOR'S COMMENT: Here is an interesting comment from Scott Baker --- someone who "has no dog in the race." They paid off their mortgage. The point here is that Lenders knew exactly who their customer was, but the borrowers never did. In a "free" marketplace, this choice was taken out of the hands of the borrowers by concealing the real…[...]

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Editor's Comment: THIS IS WHY EVERYONE SHOULD BE ALARMED AT THE FAILURE OF THE COURTS AND GOVERNMENT AGENCIES TO GIVE THE STOLEN PURSE BACK TO INVESTORS AND BORROWERS. EVEN IF YOU ARE NOT UPSIDE DOWN, EVEN IF YOU DON'T HAVE A PREDATORY LOAN YOUR HOME, YOUR LIFE AND THE ECONOMIC HEALTH OF YOUR SOCIETY IS CRUMBLING UNDER THE WEIGHT OF…[...]

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EDITOR'S NOTE: Lest people think I invented this whole field of law just because I'm loudest about it, here is a post from Max Gardner, who only a few days after I started this blog had already figured out everything I had figured out and was already doing something about it. Max Gardner’s Top Reasons for Wanting a Pooling Servicing…[...]

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Tags: discovery, Master Servicer, MAX GARDNER, Pooling and Servicing Agreement, PSA, trust
Posted in bubble, Corruption, Eviction, evidence, expert witness, foreclosure mill, Modification, Pleading, securities fraud, Servicer |

EDITOR'S NOTE: Today's editorial in the New York Times mirrors the outlook of most Americans. It's time to pass some new rules. I agree but I think that puts the emphasis on the wrong place. Most of these "new rules" were already in the old rules. They were not enforced. So the first new rule I would propose is "let's…[...]

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The Quote of the day in the New York Times reflects the main sentiment: to most people the economic recovery doesn't look real. REALITY is what I've been seeking from government, the marketplace and the judicial system, but we just can't seem to get it. They want a housing recovery but there is no plan in place to increase median…[...]

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I AM INCREASING IMPRESSED BY THE QUALITY OF WRITING AND THOUGHT OF OUR READERS. HERE'S ONE FROM RUEBEN NIEVES 2010/08/21 at 10:26 am August 21st, 2010 Dear John Q Public I am concerned over the massive amounts of foreclosures that have plagued this nation, robbed homeowners of their equity and their homes by the predatory lending practices of the banks.…[...]

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I had occasion to respond to an inquiry and after reading it i thought this might help a few people on a number of levels. So here it is: -------- August 20, 2010 by Neil F Garfield HI there!. I received an inquiry that was forwarded to me about your "title review." Since this has gone through several different people,…[...]

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August 20, 2010 by Barry Nilson: Sometimes when trying to understand an issue, I make a chart of comparing different angles, or in this case, I've captured/summarized the essence of what I think are 3 litigation methods, and 1 administrative method.  I don't know if April Charney or Matt Weidner's method can be summarized succinctly or not. I'm sure there are more…[...]

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EDITOR'S NOTE: YES IT MEANS WHAT IT SAYS --- WHICH IS WHAT I HAVE BEEN SAYING FOR THREE YEARS. BUT JUST BECAUSE SOME JUDGES REALIZE THAT THIS IS THE ONLY CORRECT LEGAL INTERPRETATION DOESN'T MEAN ALL OF THEM WILL ABIDE BY THAT. QUITE THE REVERSE. MOST JUDGES REFUSE TO ACCEPT AND CAN'T WRAP THEIR BRAINS AROUND THE FACT THAT THE…[...]

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