The first and foremost thing about this is that where any loan is subject to claims of securitization, that claim is false. So no investor ever  bought any loan, debt, note or mortgage. Not ever. All documents claiming to memorialize such transactions are false. So the designated claimant has no claim. To win these cases you must be realistic about…[...]

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Posted in Corruption, discovery, foreclosure defenses, foreclosure mill, legal standing, Motions, Pleading, Servicer |

I am in constant contact with several very supportive readers who, understanding part of the process of securitization, have then launched their own version of what happened. So this article is intended to give those who are interested a peak at reality and facts instead of internet speculation and opinion. If someone hits you over the head with a sledge…[...]

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As many homeowners are still finding out, they are confronted by a pallet of entities who are constantly rotating as though the mortgage scene was some giant display. Like their lawyers they are completely confused by the difference between their perceptions and reality in which they find themselves. see https://livinglies.me/2018/09/26/matt-taibbi-puts-things-in-perspective/ Matt Taibbi of Rolling Stone got it dead right: history is…[...]

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Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil Garfield, Esq. Call in at (347) 850-1260, 6pm Eastern Thursdays For 20 years homeowners have been losing their homes based upon the deep seated belief that despite all the fraud, fabrications and even perjury, somehow the foreclosures are giving money back to people who paid for transactions that…[...]

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Use your head. If anyone promises you a result or guarantees a result they are lying. If the solution being pitched to you is "just do this," forget it. If it is too good to be true then it isn't true. If the scheme was that good, the banks would have already lost everything. If someone says they are licensed…[...]

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The fact that the foreclosure players know --- or even witnessed --- the fact that you refused to make any further payments makes them a witness, not a claimant.  * The investment banks say they are not liable as lenders for noncompliance with lending laws. OK. A good lawyer can make a powerful argument for estoppel --- the investment banks…[...]

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Tags: single transaction doctrine, step transaction doctrine
Posted in discovery, Eviction, foreclosure defenses, foreclosure mill, legal standing, Motions, Pleading, securities fraud |

GO to this link and submit your comment. Feel free to cut and paste mine. https://files.consumerfinance.gov/f/documents/cfpb_rfi_taskforce-on-federal-consumer-financial-law.pdf Consumer Finance is driven by false claims of “securitization.” Consumers are lured into damaging transactions. And false claims for enforcement are filed daily on behalf of unidentified “holders” of unidentified “certificates” that neither convey nor even allow any knowledge nor any right, title or…[...]

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STOP ADMITTING THINGS YOU KNOW NOTHING ABOUT. STOP USING WORDS YOU KNOW NOTHING ABOUT. * OK so let's address that. It is quite natural to think that in ordinary circumstances that a loan was made and therefore some amount of money is due to somebody. So how do we address that natural bias? Allow me to play with that here.…[...]

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Posted in Corruption, evidence, Fabrication of documents, foreclosure defenses, Pleading, Servicer |

Ron DeSantis, governor of Florida has issued a moratorium on foreclosures. He was acting on behalf of the investment banks that funded his campaign. If they re-start foreclosures on their own they come under attack. But if  the Governor has projected a start date then they are "only following the law." Another example of smoke and mirrors. In Florida the…[...]

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see https://www.natlawreview.com/article/cares-act-consumer-bankruptcy-and-mortgage-servicing-what-to-know-and-potential The CARES Act, Consumer Bankruptcy, and Mortgage Servicing: What to Know and Potential Pitfalls Thursday, April 9, 2020 Enacted March 27, 2020, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) places short-term obligations and restrictions on lenders and servicers of federally backed loans. As part of these limitations due to Coronavirus Disease 2019 (COVID-19), lenders and…[...]

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