Homeowners have been brainwashed into thinking that there was never anything wrong with their "loan" transction at the beginning, in the middle or in the end when they lose their house. So the collective homeowner action requried to break the grip of Wall Street never materializes. In this article I reveal what you are missing. The benefit of refinancing for Wall…[...]

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Among the people who litigate Foreclosure cases on a regular basis, it is well known that the alleged "trustee" of the implied trust possesses neither knowledge nor control over the foreclosure proceeding. In addition, neither of the "trustee" nor the implied trust is intended to receive the proceeds of the liquidation of the homestead property. Recently a homeowner and her…[...]

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Some people think I am blaming them for not knowing how to navigate the court system. We actually don't have a dispute between us. The conflict is between two fact patterns that produce an inequitable result for homeowners. The inequitable result arises from being drafted into an illegal securities scheme and then having that same scheme used against them in…[...]

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This new case was decided by the United States Supreme Court about 3 weeks ago. It is extremely interesting on many levels. Basically the court was trying to shoot down the  standing of consumers who were wronged by illicit behavior by the credit bureaus. And the court succeeded as it always does because it is the final word.  they did…[...]

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Thursdays LIVE! Click into the WEST COAST Neil Garfield Show with Charles Marshall and Bill Paatalo Or call in at (347) 850-1260, 6pm Eastern Thursdays Chase bank is having a really good time doing whatever they want with the nearly $1 trillion in transactions originated with homeowners. They literally paid zero for a nonexistent portfolio. The FDIC has issued paperwork indicating that…[...]

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like all con games, anyone with an interest can pull the plug on it. A good lie by definition is one that is believed by the listener or reader. In order to pass off a good lie, the source must be considered credible (i.e., a con man) or the listener or reader must erroneously believe that they have independent knowledge…[...]

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Winston Chuchill was fond of saying that we should walk our dog three times per day regardless of whether or not we had a dog. Some readers will remember that pursuant to that sage advice there appeared leashes in the marketplace that were rigid so as to simulate the appearance of walking an invisible dog. The dog though was not…[...]

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I have divided the rules of evidence into two categories that are useful to homeowners seeking out a judgment or final order in their favor. The two categories are primary evidence of a claim against the homeowner and corroborative evidence in support of the primary evidence. The banks want you to attack the primary evidence. I want you to attack…[...]

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A major problem in finance is that a lot of lawyers became lawyers because they did not like math, while a lot of bankers and traders became bankers and traders because they did not like to read. So lots of financial contracts will consist of 10 or 50 or 200 pages of text, which a lawyer will cheerfully write (or sullenly…[...]

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[Excerpt from my upcoming book "KEEP YOUR HOUSE"] Most discussion amongst homeowners centers on ways to "escape" debt, instead of ways to undermine the enforcement of a claim that is not based on any real duty or debt. The people looking for the escape or magic bullet are always frustrated by loss and their preception of bias when the judge…[...]

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