LIVINGLIES NOW AVAILABLE ON AMAZON KINDLE! SIGN UP FOR CLEARWATER, FLORIDA SEMINAR NOW So called "auditors" will miss the fact that there are two yield spread premiums that were not disclosed to either the homeowner or the investor. Failure to account for the movement of money through the securitization chain and failure to account for appraisal fraud, essentially leaves 95%…[...]

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Tags: audit, bankruptcy, borrower, disclosure, Eviction, foreclosure defense, foreclosure offense, fraud, Lender Liability, mortgage meltdown, predatory lending, rescission, securitization, TILA audit, trustee
Posted in bubble, Eviction |

See and hear Neil Garfield Live at the TAMPA-CLEARWATER Sheraton Sand Key Resort & Hotel. CHANGE YOUR CLOCKS SATURDAY NIGHT: SUNDAY AND MONDAY TIMES ARE E.S.T. *Limited Seating Remaining - Register in Advance What Lawyers Are Saying About Neil Garfield's CLE Seminars Click here for video Click link below to Register for Attorneys' Seminar ----Approved by FL Bar for 9.5 MCLE and other states with…[...]

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Posted in Uncategorized |

LIVINGLIES NOW AVAILABLE ON AMAZON KINDLE! SEMINAR IN CLEARWATER, FLORIDA NOV 1-2: INFORMATION ON SEMINAR AND BOOKS Thanks to Jeff and Judge Maltese: "At the time that the plaintiff improperly commenced the action, the pathway to the Courthouse should have been blocked. Deutsche Bank had no legal foundation to foreclose a mortgage in which it had no interest where there…[...]

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Tags: borrower, Deutsch Bank, disclosure, foreclosure defense, foreclosure offense, fraud, lender, Mortgage, securitization
Posted in bubble, Corruption, Eviction, securities fraud |

Wall Street was not responding to legitimate consumer demand, it was creating an artificial demand simply to create mortgage product to feed its securitization machine and generate big fees for itself. Comment from Reader: "MERS and the Pretender Lenders are seeking the courts to credit them with a touchdown despite the obvious fact that they do not and never did…[...]

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Tags: bailout, borrower, disclosure, foreclosure defense, foreclosure offense, fraud, housing, inflation, Lender Liability, mortgage meltdown, predatory lending, securitization
Posted in bubble, Eviction |

EDITOR'S NOTE: usedkarguy gets it pretty well. He submitted the following comment which I have edited into this post, but I retain all his basic observations. This one deserves a re-read. Essentially he  is proving a major point: You can't pick up one end of the stick without picking up the other. If the pretender lenders are claiming that the…[...]

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Posted in Uncategorized |

It is difficult to imagine anything more obvious than splitting the risk taking core model of Wall Street from the risk averse core model of banking. The dilution of Glass-Steagel over the years and its eventual repeal is exactly how we got into this mess. Coupling that with deregulation and non-transparency created a context in which (moral hazard) theft was…[...]

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Tags: borrower, credit crisis, depression, disclosure, foreclosure defense, fraud, housing, inflation, lender, Lender Liability, mortgage meltdown, Obama, securitization
Posted in Eviction |

Thanks to Deontos: Editor's Note: The logic is simple, basic and the law is old, accepted and "black letter." No new law is needed to overturn all the foreclosures since 2001, no fancy footwork is required to throw the bums out of court and sue them for the damage they created when they filed false papers to foreclose. All that…[...]

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Tags: bailout, bankruptcy, borrower, disclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, mortgage meltdown, predatory lending, rescission, RESPA, RICO, securitization, trustee
Posted in bubble, Eviction |

Editor's Note: From Home, to Car to Shelter. It's a common story and a tragedy. But if that is a tragedy then where is the outrage when we add the component that she was probably wrongly dispossessed, that she probably still owns her house and that if she had proper legal representation in a court of competent jurisdiction, where the…[...]

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Tags: bailout, bankruptcy, borrower, disclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, mortgage meltdown, predatory lending, rescission, securitization, trustee
Posted in bubble, Eviction |

Many thanks to Amazon for making it easy. Livinglies now beamed directly onto your Kindle with the latest posts, news, forms, cases and statutes. This is the #1 Site on the Internet for resources and research on the Mortgage Meltdown, Foreclosure Litigation, Forensic Review and Analysis, CLE Seminars for Attorneys, Forms for Pro Se Litigants, News, Cases, Statutes, Comment and…[...]

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Editor's Note: Anyone who underestimates the importance of Judge Long's decision in Massachusetts and the combined effect with the Kansas and Arkansas Supreme Court decisions does so at their peril. Lawyers wake up! You are not just missing an opportunity, you are missing an important piece of due diligence that makes you vulnerable to claims from clients seeking advice. “Borrowers…[...]

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Tags: bailout, bankruptcy, borrower, disclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, Mortgage, rescission, securitization, trustee
Posted in bubble, Eviction |