lawyers and pro se litigants have littered the judicial landscape by a Texas two step: first they admit that they have a loan contract and second they try to get out of it. First they admit a breach and then they try to deny the breach. First they admit a loan and then they deny the loan. First they admit…[...]

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Debts were never securitized but information about them was securitized, to wit: based upon the third place finish in a horse race you never went to and your bet that two of the horses would snort twice as they crossed the finish line you were paid money. That doesn't mean you own the horse, the finish line or the race…[...]

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Thursdays LIVE! Click in to the WEST COAST Neil Garfield Show with Charles Marshall and Bill Paatalo Or call in at (347) 850-1260, 6pm Eastern Thursdays This comes back to the fact that we all know we were screwed by the banks in the mortgage meltdown (1996-2008) and that they are still screwing us. Most of us just don't know how they are…[...]

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  The Great Realization is that securitization is a myth. A very profitable myth. A myth that resulted in profits that were geometrically higher than any transaction with any homeowner, consumer or borrower. A myth that enabled Wall Street to collect everything from everyone without any accounting for the money. It is up to us to make this a point of…[...]

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It is a very real thing. Everyone is getting paid (and now by the government), while the debt of homeowners is never reduced or credited. On top of getting paid, the courts are allowing forced sale of homes that simply add gravy to the Wall Street money train. Let's be clear. If investors are presumed to be beneficiaries of payments…[...]

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There is an old saying that when you start getting lots of flack, you know you are close to the target. It is confirmation. Lately the old attacks on me have been renewed with vigor! In all cases involving false claims of securitization of debt, the claims are  totally false with no redeeming explanation. Trying to kill the messenger will…[...]

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People usually ask for just a consult with me thinking that (1) they are going to understand everything I tell them about their case and (2) that I have performed a comprehensive review of their case before attending the CONSULT. But if it is a lot of documents ( more than 5, or more than 5 pages) I must charge…[...]

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If you think you could be an effective candidate for political office and you would like my help and the help of my readers then write to me at neilfgarfield@hotmail.com Let's see how good you are on delivering a persuasive message. Why would you be a good candidate for us to back? What office are you seeking? What is your…[...]

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Disclaimer and Caveat: I/we are requesting forbearance simply because you claim to be either a creditor or someone who is authorized to represent a creditor who has paid value for our obligation in exchange for ownership of that obligation and who carries our obligation on their own books and records as an asset receivable. We do not concede or admit…[...]

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As for the deficiency judgment, it is unusual to seek such a judgment and the only party that can contest it is the borrower. The deficiency is presumed to be the difference between the judgment amount and the money received from a third party sale. But that is only a presumption. * The borrower can and should ask for proof…[...]

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