Archives by Tag ' foreclosure '
Nov 11, 2025

Can Foreclosure Still Be Stopped? Homeowners facing foreclosure in places like Eustis, Lady Lake, Groveland, Paisley, Mascotte, and Tavares often search for answers only after the process has already started. Many believe that once foreclosure begins, nothing can be done. That’s not true. Foreclosure can often be delayed, challenged, or stopped when homeowners understand the […]

Oct 28, 2025

Why Ownership of the Loan Matters If the plaintiff doesn’t own your debt, they can’t foreclose. How Loan Ownership Gets Lost Loans are sold multiple times. Paperwork often doesn’t match reality. FOCUS ON THE CHAIN OF ASSIGNMENTS “FILED AND RECORDED” IN THE PUBLIC RECORDS REVIEW PLAINTIFFS’ ALLEGATIONS IN THE FORECLOSURE COMPLAINT WHICH RELY ON SPECIFIC […]

Sep 27, 2025

Many homeowners ask us, what is foreclosure and how does it affect them? In simple terms, foreclosure is the legal process that allows a lender to take back a home when the homeowner falls behind on mortgage payments. Understanding the Meaning of Foreclosure When people search what does foreclosure mean, they’re often already worried about […]

Sep 24, 2025

The reality of Judicial bias in the courts Judges display a tremendous amount of court bias against homeowners in foreclosure cases. Especially when they are representing themselves. They often trust banks more than homeowners. That doesn’t mean you can’t win. Strategies to Overcome Judicial Bias in the courts – Stick to facts, not emotion.– Demand […]

Sep 16, 2025

Our homeowner clients know the importance of fraud claims to show lack of standing and other defenses and now so can you.

Dec 3, 2024

Are you facing foreclosure? When the bank comes knocking, threatening to take your home, it can feel like the end of the world. But let me tell you this: foreclosure is not the end of the road. Homeowners have rights. What are the best ways to stop a foreclosure? Let’s break it down in plain […]

Sep 24, 2024

When it comes to foreclosure cases, many courts automatically treat the plaintiff—the party bringing the foreclosure—as a “holder in due course,” even though no one specifically asks them to do that. But this isn’t always the correct legal standard. Especially when you know the law and Uniform Commercial Code 3-302 One of our favorite areas […]

Apr 22, 2024

Why do pro se litigants in foreclosure defense cases lose so often? My mentor Neil Garfield, and now me, spend a lot of time working on the livinglies blog to present evidence-based strategies and methods to homeowners to help them save their homes from illegal foreclosures. Often these same homeowners are trying to save their […]

Nov 14, 2023

In a foreclosure proceeding in a judicial foreclosure state, or a request for injunctive relief in a non-judicial foreclosure state, or in a motion for relief proceeding in a bankruptcy court, the courts are dealing with and writing about the problems very frequently. In many if not almost all cases, the party seeking to exercise […]

Sep 26, 2023

As Neil Garfield explained to me and many of his clients and readers, the only thing most judges are interested in is where did the money go, who paid, who received and whether it was paid, and if in part, to what extent. One must be very careful to distinguish this from the “show me […]