There are two broad classes of investors. First the ones who drank the cool-aids and second the ones who didn't. * The ones who drank the cool-aid are managers that responded to promotional literature and extra judicial statements about what they were buying. In summary they thought they were buying into the lending marketplace without risk because their investment was collateralized by mortgage liens,…[...]

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I frequently need to guide homeowners and their attorneys away from generic labels. When the word "creditor" is used, it could mean a servicer without ever corroborating the principal. The company named as servicer may in fact be construed as performing a service and that service might even be tied to the presentation of the named or designated claimant, but it is only…[...]

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Most homeowners want to forget about a foreclosure before it even begins. They ignore it until it is too late to do anything about it, even though the claim is false. After the foreclosure sale is falsely reported as "complete", it is even less likely to think about "surplus funds" that might due to the homeowner. Generally speaking, there are…[...]

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Hello, Lance Denha esq. here to discuss a 12 step program to defend against a foreclosure in a non-judicial state, as well as a judicial states. In a non-judicial foreclosure state, the foreclosure process typically does not involve the court system, and the lender can foreclose on a property without filing a lawsuit. The lender will not go to court…[...]

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Tags: defendtheforeclosure, NON JUDICIAL SALES
Posted in foreclosure defenses, legal standing |

The thing I hate most about politics is that it is largely based on mob mentality. As a member of a group, there is a tacit or direct message that some person running for office is "your guy or gal." Most people do not realize that their "membership" is conferred in their own minds. Others in your conceived group will…[...]

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So while Mr. Cooper/Nationwide was preptending to process payments, ACI was doing it. I have been railing about this for 16 years. It is a simple problem for the laws of evidence. If Mr. Cooper was not processing the payments, then records offered in court or to the homeowner are irrelevant hearsay --- because the lawyer is taking reports generated…[...]

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Here is an exercise that enables readers to teach themselves the substance, tactics and strategies that can and will produce verdicts and judgments for homeowners ---- if the tactics and strategies are applied in a timely and proper manner. This is how I do it when I win. Get paper and pencil and get together with family and friends who…[...]

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Whether you watch TV, listen to the radio, or stream news and opinions, you will consistently hear the same subliminal message: debt is better than wealth. And people behave accordingly. Nearly all consumers, including the homeowners that I offer some relief, believe that their FICO score is their most valuable attribute. A savings account with real money in it is…[...]

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The expression "there ought to be a law" is not the same as there is a law. People who argue lack of precedent have not done legal research and have not performed legal analysis because they do not have the knowledge, training  and licensing to do so. Or, in the alternative, they are too lazy  to do the work. Their…[...]

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The start of every "loan" transaction with the homeowner (except in rare occurrences) is a lie. The enemy of success for the homeowner is himself. If he believes that the statements he receives and the nonpayment claims, together with the imposition of fees, are true, the homeowner will fail to employ defense strategies and tactics that any normal civil or…[...]

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