While my editorial opinion has been fairly obvious in these articles, I feel the need to express them directly. The fundamental truth that is missed in the media and those in government and finance close to the microphones is that this did not start with the borrowers --- it started with the investors who bought securities backed by non-existent mortgages…[...]

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We've received a few questions regarding the impact of the "takeover" of Fannie Mae and Freddie Mac by the Federal government. These were chartered by congress as opposed to any state and it is questionable whether anything has actually changed except for management personnel and style. They were theoretically private corporations with their common stock traded publicly, but there was…[...]

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The start of every case, as I see it, is the collection of facts and documents, so that a complete mortgage evaluation and status report can be prepared by an independent third party who can serve as an expert witness if the need arises. The current "cottage industry" of TILA audits is insufficient but a necessary part of the entire…[...]

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By GRETCHEN MORGENSON Published: November 1, 2008 AS a senior mortgage underwriter, Keysha Cooper was proud of her ability to spot fraud and other problems in a loan application. A decade of vetting mortgage documents had taught her plenty, she says. But as a senior mortgage underwriter at Washington Mutual during the late, great mortgage boom, Ms. Cooper says she…[...]

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The following represents a discussion between readers in which I inserted my comments. The principal issue is whether you CAN file a notice of non-compliance in the county recorder's office. And the sub-issue is whether the County reorder has any discretion. My answer is that the County Recorder has NO discretion and that the ONLY way the document can be…[...]

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ny nysmenu@yahoo.com I am NOT a lawyer and I am NOT giving legal advice, I am telling you what worked for me. Since most of the attorneys will not admit to helping their client commit fraud or of being in a joint venture, which, they are. If you ask them for a retainer contract, they will send you a signed…[...]

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From the comments --- this is the kind of proactive behavior needed. Don't just go along with the "procedure." Let people know the title is not good. File what you can in the county records as a property filing, legal filing or whatever you can. CJ-Pro Se Ingenuity If you didn't get help, this may be worth a try, and…[...]

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OCTOBER 2008 NEWSLETTER ADVOCATES FOR JUSTICE ADVOCATES TEAM just stopped Countrywide’s foreclosure of homeowner in the San Bernadino, CA. area today. A temporary restraining order was granted stopping the scheduled foreclosure sale for Oct. 20th. A preliminary hearing is set for Nov. 3rd on the issue of a preliminary injunction, the stopping of the sale until the merits of the…[...]

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One new answer we are getting when we ask for the identity of the real holder in due course of the note is "that information is confidential. You are not entitled to that." Of course this is ridiculous --- if you signed a note and it has been "assigned" to some third party, you have a right to know where…[...]

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