Understanding Chapter 13 Bankruptcy and Foreclosure While our primary focus here at Livinglies.me is not bankruptcy, it is an important option to homeowners seeking to save their home from foreclosure. Sometimes, when homeowners come to us late in the foreclosure process, an emergency Bankruptcy is the only option. Don’t wait until it’s too late to […]

Tags: Chapter 13, covius document services, delay foreclosure
Posted in foreclosure defenses |

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE LIVINGLIES VINDICATED BY THIRD APPELLATE DECISION IN AS MANY DAYS SOUTH FLORIDA SEMINAR FILLING UP — REGISTER TODAY TO GET EARLY BIRD DISCOUNT FOR EARLY BIRD REGISTRATION RUNS OUT ON JUNE 15 CLICK HERE TO REGISTER FOR 2 DAY GARFIELD CONTINUUM CLE SEMINAR […]

Tags: bailout, Bank of America, bankruptcy, borrower, Chapter 13, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, Lender Liability, lost note, Mortgage, mortgage meltdown, predatory lending, quiet title, rescission, securitization, TILA audit, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Fontes-MEMO-9th Ciruit BAP – Judge Jury a Member of the Panel The collateral benefit MUST go solely to the homeowner. If the creditor chooses not to exercise any right or intention to collect, it is not a license for ANYONE to come in […]

Tags: 9TH CIRCUIT, ASC, bankruptcy, BAP, Chapter 13, creditor, FONTES, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, HSBC, MERS, motion to lift stay, quiet title, REAL PARTY IN INTEREST, rescission, securitization, standing, trustee, Wells Fargo
Posted in bubble, Corruption, Eviction, securities fraud |

GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: When you actually READ the securitization documents, you will find, as I did, that all of them are quite disingenuous. They mislead the casual reader and even some careful readers who don’t understand what is actually being said. The prospectus says the investor is […]

Tags: accounting, Bank of America, bankruptcy, borrower, Chapter 13, countrywide, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, fraud, Pleading, PROOF, rescission, securitization, TILA audit, trustee, WAMU, Wells Fargo
Posted in bubble, Corruption, Eviction, securities fraud |

CLE SEMINAR: SECURITIZATION WORKSHOP FOR ATTORNEYS — REGISTER NOW SEE LIVINGLIES LITIGATION SUPPORT AT LUMINAQ.COM SEE MANN order_br_cally_so_dist_salazar_vs_us_bank_denying_mfrs_mers_4_11_2011 Bankruptcy Judge Margaret M. Mann GETS IT! 1 Posted by Dan Edstrom on April 12, 2011 at 8:19 pm Bankruptcy Judge Margaret M. Mann GETS IT! By Daniel Edstrom DTC Systems, Inc. Coming off of the heels […]

Tags: 10-17456-MM13, assignee, assignments, bankruptcy, beneficiary, Chapter 13, Civil Code Section 2932.5, Conclusions of Law, Daniel Edstrom, deeds of trust, DTC-Systems, Findings of Fact, foreclosure, foreclosure defense, foreclosure offense, fraud, Gomes, in re: Salazar, Judge Grossman, Judge Margaret M. Mann, Memorandum Decision, MERS, Motion for Relief from Stay, obligated, obligations, prejudicial, rescission, securitization, Southern District of California, trustee, United States Bankruptcy Court, US BANK, waiver
Posted in bubble, Corruption, Eviction, securities fraud |

SEE LIVINGLIES LITIGATION SUPPORT AT LUMINAQ.COM SEE jpm-makes-2-billion-while-investors-lose-500-million EDITOR’S NOTE: If the press can ask the questions leading right up to the top of the megabanks, why can’t the government? You have to remember that these people practically invented the term “due diligence” and before the securitization scam, it was very challenging to get a […]

Tags: appraisal fraud, Chapter 13, credit crisis, disclosure, foreclosure, foreclosure defense, foreclosure offense, fraud, Jamie Dimon, JPMorgan Chase, Lender Liability, MERS, mortgage meltdown, predatory lending, PREDATORY LOANS, rescission, securitization, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

COMBO Title and Securitization Search, Report, Documents, Analysis & Commentary In his experience, Mr. Shaev said: “The attorneys who represent the banks invariably state that they will get the collateral file for us and prove that the banks had possession of the documents at the appropriate time. But then when we review the file it […]

Tags: bankruptcy, BKR, Chapter 13, Chapter 7, creditor, MLS, motion to lift stay, SECURED CREDITOR, US TRUSTEE
Posted in bubble, Corruption, Eviction, securities fraud |

 “Without your blog I would not have found the right lawyer in my state.”                                                                                                                              – Meghan in RI “Some of the most rewarding work of my career.”                                                                                                                   – Chris Brown Esq. While we understand the many reasons borrowers pursue their cause on a ProSe or ProPer basis,  it has been our position since the […]

Tags: audit, bailout, bankruptcy, borrower, Chapter 13, countrywide, credit crisis, creditor, depression, disclosure, discovery, Eviction, Florida, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, housing, lawyers, lender, Lender Liability, mortgage meltdown, rescission, RESPA, securitization, TILA audit, trustee, Wells Fargo
Posted in Corruption, Modification, Servicer |

see Bradsher Cramdown in Chapter 13 This case is an example of why forensic audits need to go much further than they currently do. Brad Keiser’s Workshop on forensic analysis will focus on the important issues that are usually missed in TILA or other reviews. As the case points out, the usual rule is that […]

Tags: brad keiser, Chapter 13, cram down, creditor, DEBTOR, escrow, forensic analysis, lien-stripping, secured, unsecured
Posted in bubble, Corruption, Eviction, securities fraud |

So in Chapter 11 for the big boys they address reality and treat the value of the property the way it is. But in individual little guy petitions for relief in bankruptcy court, they stick you with the entire amount of the Note even if the security is only worth 20% of the “principal.” And […]

Tags: banks, Chapter 11, Chapter 13, Chapter 7, creditor, fair market value, investors, Personal responsibility
Posted in bubble, Corruption, Eviction, securities fraud |