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Neil,
I recall when I first got the 20 day notice to file an answer. I did not know what an answer was or even how to answer or what to say. I did not know where the courthouse was.
It was a December 10 when my wife told me I needed to do something on this here last day, in the court.
On that sad Morning I had only hours after, having been dispatched from the hospital where I was pumped with pain killers(Morphine) for weeks on end, my body and wit was not in a proper functional state to, say the least.
I crawled up the court house steps to deliver an answer of any kind, to give myself more time to decide what I should do next.
I knew nothing of what to do; all I knew was that I needed to fight these bad people, to the end and win, somehow.
I was driven by the vision of my wife, kids, dog and cats and many nights when they were all tucked into their rooms in the large home. I wept like a child, in desperation.
I have no words to describe the sadness that had befallen me, it shattered my entire composure as a person, the economy and illness had taken a tool on me to such, an extent that, I was left without a meal to give my family. Not a penny in the bank, but rather it was in the red.
The dog ate white rice and the cats ate nothing.
I had little court exposure and ignorance begot my very being, my life and that of my family was in ruin, completely.
None of my bills were paid, some for months on end.
I am just the fighter that I will not give up especially in the face of an adversary, who stood to confront whilst I was against the wall.
I drew strength from thin air, stopped taking the oxycodine, stood the pain and started to study the Law.
May months passed, where the bank did nothing at all. I managed to recoup an income, consigned a Legal Officer of the court, to put an appearance in for me when the time came.
My, this lawyer called me the day before the summary Judgment to lament he had lost the case as I did not pay the Death Note. My blood boiled instantly.
He had never met a person like me who was willing to fight to the death.
However I was lucky as in some period before that day,I had come across the website of Nails’ franticly I began to print and read the material, fearing it would go away, soon.
When after about two hours the lawyer convinced me I had lost my home. I turned and bluntly told him “I would take yours”.
This was the key that broke the Camels back, he grabbed the complaint from me and literally ducked below his desk reading, after some time and whilst I kept silence, I saw into his mind, he was desperate. He recognized I knew my rights.
Neil had thought me my rights and I was willing and able to assert them in any forum, with a seriousness of a fight to the death.
After about twenty or so minutes, the lawyer said to me, see you in court in the morning. I very humbly nodded to him whiles in tears.
I got up and left his office.
Mr. Garfield empowered me with this knowledge a knowledge I did not get in college (LOL) it turned me into a “horse of a different color”.
I would like to suggest that you some Per Se classes Sir, in as many cities as possible I do not know if the Ghost writing Law will prevent this but my reasons for suggesting this are simple.
I have found that few Lawyers are actually affordable.
I recall speaking to a lawyer in the early days of my foreclosure, when I did not have as much knowledge as, to be able to assert my rights or nor did I know my rights (this is not to say I do know all my rights yet, this blog has thought me millions) the lawyer wanted $70,000.00 and he was serious.
I cited the case in Florida where a homeowner has been in court with Washington Mutual for 11 years.
My opinion is that if people knew their rights (which this blog clearly has put forth, thanks to Neil and the internet) normal people would be able more, to take this fight to the banks, to gain the bravado to face a Judge and opposing well dressed lawyers.
The great many Lawyers I have met are very arrogant people and do not move but with big money, this attitude is remising of the greed that the banks have used to get us here in the first place.
I understand that Neil has or will be publishing a book, which I imagine will be very helpful. I cannot wait to obtain a copy.
However, classes on this subject even addressed in public colleges to confront the courts in and as Per Se would be a powerful knowledge for the people and or us.
The very troubling trinkets of the economy which are beyond our control have destroyed the bread and butter of our livelihood.
We as simple people have done little to deserve this then, we are faced with this very contemptuous court house all on our own, with no recourse and no Legal Help.
It is very unfair of the system to have locked us out in this vile manner. I was able to assert my rights in the face of my lawyer so much so that he understood that I was in no way going to roll over and be taken by my Banksters with, his aid or actions and or inaction.
I read a post here which reminded me of my own feelings that my paid Lawyer was actually in a way working for the other side. He did not crucify the bank when the chance was presented in court.
I think many of the lawyers are skum bags. few of the Officers of the Court are actual advocates of their clients especially in a fight of this style.
I believe it’s a conflict of interest as many of these Legal Officers work for the very banks from time to time in closings or have in the past.
What you do not know will hurt you; this simple statement stuck with me all this time and has been the driving force for my quest for knowledge on this subject.
I have pondered that when my fight is over, what will I do next? As I feel so passionate that I would love to bury the Banksters in a very deep permanent grave or at least help to do so,most likely this is just another one of my arrogant dreams.


