While I agree that in most cases there was no substantive transaction with homeowners or that the transaction was not correctly identified as to its components, I do not agree that there are no mortgages or notes. * They plainly exist and even if they are not supported by consideration or are otherwise procured by fraud, duress or other illegal means, they still exist.…[...]

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Post-judgment or post-sale documents can be far more revealing than anything filed before the foreclosure is allowed or allegedly completed. They often admit lack of legal standing on the part of the original party named in the foreclosure.  This phenomenon would not and could never occur if the forms allowed by courts and the government tracked the requirements of existing…[...]

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The recent Compton Case in Hawaii illustrates the nuances that have been weaponized by the investment banks. It further illustrates basic errors in procedure and objections that continue to result in homeowners inadvertently aiding and abetting an illegal foreclosure against them. see USB v Compton 6-21-21 HI SupCt   The decision is correct. The failure to contest the existence of…[...]

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American Property Owners’ Network Plans to Stop Most Foreclosures— Public Will Be Invited to APON's Q & A Webinar   4:30 PM EST, Tuesday, July 6th Scroll down for registration information The American Property Owners Network  (APON), a new 501C4 organization and others concerned about the undue influence of global banks and the financial sector over our lives, as well…[...]

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Since the first time I seriously looked at what securities brokerage firms on Wall Street talking about derivatives and securitization (around 1970), I have always thought that the consumer contract was a disguised securities scheme and that therefore the "sale" of the financial product sold to consumers and homeowners was in fact a security regulated by SEC laws, rules and…[...]

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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 Nothing says it better than the Supreme Court of a state  (Hawaii) that has issued many decisions in favor of homeowners. If you don't present your defense, by the rules, you lose. Everything about the illegal claims for…[...]

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Securitization is a lie. And so far nearly everyone, including homeowners, believes the lie. Small wonder that the courts also believe it --- especially when homeowners admit the truth of the lie.  Each new "financing" results in a brand new string of securities sales --- without retirement of the previous string of securities sales. I have continually said, based upon…[...]

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Servicing is about money. If the money paid by homeowners is not deposited by their own employees into a financial account owned by the company claiming to be a servicer, then they have no right to record the receipt of such money. And they don't.   I received the following inquiry: why does a "loan boarding analyst" need to be…[...]

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Congrats to Florida Bulldog on running a story that the media  giants are not only failing to continue their investigative reporting, but refusing to print stories produced from other credible sources on the huge subject of fraudulent foreclosures. Not since 2008 have we seen lawyers with the guts and judges with the integrity to challenge the banks and their lawyers…[...]

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so far, the banks have been exceedingly successful, causing the foreclosure of millions of homes by people who don't own and never wanted to own the obligation. The out-of-pocket expense of paying the homeowner to execute documents was long ago reimbursed in full by the sale of securities as the other leg of the single transaction doctrine. There is no…[...]

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