without contesting the legal presumptions arising from the law of negotiable instruments, the presumption becomes fact for the case. We don't need to eliminate the trust altogether although it probably doesn't exist. All the homeowner needs to show is that neither the trustee nor the trust owns any obligation from the homeowner that is owed to the trustee or trust. * The…[...]

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There is a hidden cost to artificial inflation of home prices. The tax valuation tends to reflect increases in prices even though the prices are a departure from fundamental lower valuations based upon median earnings or rent. We know that fundamentals will eventually force a correction but being able to spot a bubble does not mean that you are able…[...]

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Dear Rep. Ocasio Cortez: * Your efforts to address debt and debt forgiveness have obviously attracted a great deal of attention. What you don't know is that you are only nibbling on the outer membrane of something that terrifies the major investment banks. * It's complicated. Your efforts to forgive student loans are based on the assumption that in every…[...]

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For 15 years I have tried to get CPA auditors to enter the field of expert witnesses against the investment banks. While some have nibbled at the line, none have taken the bait or come on board. So homeowners and their lawyers must familiarise themselves with some basic accounting concepts to avoid the many trap doors and pitfalls the investment…[...]

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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, 3PM PST, 6pm Eastern Thursdays   Note: Due to technical problems last week this show could not be broadcasted. Bill Paatalo breaks down latest take on the lack of standing US Bank and those associated with US Bank have to…[...]

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This is tricky. I have often had complaints dismissed because I didn't make it over the threshold requirements for surviving a motion that attacks the elements of fraud. So in answer to many questions posed to me, the main reasons why fraud allegations are ignored or dismissed are as follows: Some people think that mentioning fraud in oral arguments in…[...]

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A simple fact that eludes most pro se litigants is that they are litigating with a ghost. They have no obligation to defend the claim of a ghost except to challenge the foreclosure mill to at least allege or produce an exhibit that establishes the Plaintiff or beneficiary as a real legal entity that owns an existing debt from the…[...]

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The foreclosure case against you is an allegation claiming that you owe money to the claimant, that you failed to pay it, and a demand that the court force you to pay it. The allegations are contained in the body of the complaint, if in a judicial foreclosure (Mortgage), or the Notice of Default in a nonjudicial foreclosure (Deed of…[...]

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The nation's biggest banks are reporting lower and lower volumes of loans from their own balance sheet --- just as I predicted 14 years ago.  The latest article is by  Shahien Nasiripour of Bloomberg and reprinted by Washington Post. The dots are not being connected. Why should they loan off their balance sheet when they can make far higher profits…[...]

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The goal is to avoid strict registration and disclosure requirements and regulations by the SEC. That is the goal because the only way unscrupulous investment bankers can at least argue that they are not cheating anyone is by withholding information about the brand new investment vehicle. But they're cheating and they are creating nothing out of nothing and then selling…[...]

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