“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 |

BTW, I ask about verifying that the ‘Substitute Trustee’ is indeed a TRUST since I saw a post that made a point that any named ‘TRUSTEE’ must really be a TRUST. Quality Loan Servicing was nominated by Litton Loan Service’s employee (via MERS) as the Substitute Trustee in place of ReconTrust. I may have a […]

Tags: beneficiary, BofA, BoNY-MELLON, BoNY-MELLON as the trustee, BREACH, CWABS, CWABS trustee, fictitious assignments, fictitious business name, Investor, lender, Litton Loan Service, MERS, modified payments, mortgage modification agreement, nominal beneficiary, Quality Loan Servicing, ReconTrust, RESPA, Substitute Trustee, successor beneficiary, trust
Posted in bubble, Corruption, Eviction, securities fraud, Servicer |

“Reducing the loan’s principal balance is more valuable because it lowers monthly payments and restores equity. Various studies show that having equity also reduces the likelihood of redefault on a modified loan. It’s not just the moral thing to do. It also would help avoid the spillover effects of the next expected round of defaults. […]

Tags: creditor, lender, mortgage modification, nominee, principal reduction, servicer
Posted in bubble, Corruption, Eviction, securities fraud |

Using the voluminous amount of feedback to Livinglies.wordpress.com, some observations about the words you use in litigation and in your correspondence, QWR and DVL might well be of some assistance. CREDITOR: It seems that using the word creditor has much more power than lender, pretender lender or even holder in due course. I’ve been told […]

Tags: agent, conduit, consumer, creditor, holder in due course, lender, MBS, pool, Power of Attorney, pretender lender, REMIC, SPV, trust, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

First of all you have non-judicial and judicial foreclosure states. Non-judicial basically means that instead of signing a conventional mortgage and note, you signed a document that says you give up your right to a judicial proceeding. So the pretender lender or lender simply instructs the Trustee to sell the property, giving you some notice. […]

Tags: accounting, creditor, Eviction, foreclosure, foreclosure defense, four wall audit, how to, judicial sale, lender, NON-JUDICIAL SALE, Notice of Default, Notice of Sale, pretender lender, service of process, TRO, Unlawful Detainer
Posted in Corruption, Eviction, securities fraud |

see how-to-negotiate-a-modification See Template-Lawsuit-STOP-foreclosure-TILA-Mortgage-Fraud-predatory-lending-Set-Aside-Illegal-Trustee-Sale-Civil-Rico-Etc Includes QUIET TITLE and MOST FEDERAL STATUTES — CALIFORNIA COMPLAINT See how-to-buy-a-foreclosed-house-its-a-business-its-an-opportunity-its-a-risk My statements here relate to general information and not legal advice. Generally we the vast majority of short-sales fail. Whatever the reason told to you, the real reason is that there is trouble amongst the ankle-biters on Wall Street and […]

Tags: damages, lender, modification, NINJA, rule of thumb, short-sale, SISA
Posted in Uncategorized |

TENT CITY, California While Vacant Houses Deteriorate From watergatesummer.blogspot.com we have this post on the moronic ideology that misuses our natural and creative resources. It can be said that conservatives do not conserve and liberals do not liberate. I coined that because it is obvious that politics in this country is degrading even while some […]

Tags: bailout, housing, lender, POLICY, securitization, tent city
Posted in Corruption, Eviction, securities fraud |

MANY THANKS TO DAN EDSTROM Dan has put together a list which frankly I would like him to expand. Following the money means determining the party to whom you MIGHT owe money. It certainly isn’t the pretender lender and if you can fill in the blanks on this list you will be able to show […]

Tags: accounting, audit, borrower, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, forensic review, fraud, lender, Lender Liability, mortgage note, securitization, servicer, servicing agent, TILA audit
Posted in bubble, Corruption, Eviction, securities fraud |

LIVINGLIES NOW AVAILABLE ON AMAZON KINDLE! SEMINAR IN CLEARWATER, FLORIDA NOV 1-2: INFORMATION ON SEMINAR AND BOOKS Thanks to Jeff and Judge Maltese: “At the time that the plaintiff improperly commenced the action, the pathway to the Courthouse should have been blocked. Deutsche Bank had no legal foundation to foreclose a mortgage in which it […]

Tags: borrower, Deutsch Bank, disclosure, foreclosure defense, foreclosure offense, fraud, lender, Mortgage, securitization
Posted in bubble, Corruption, Eviction, securities fraud |

It is difficult to imagine anything more obvious than splitting the risk taking core model of Wall Street from the risk averse core model of banking. The dilution of Glass-Steagel over the years and its eventual repeal is exactly how we got into this mess. Coupling that with deregulation and non-transparency created a context in […]

Tags: borrower, credit crisis, depression, disclosure, foreclosure defense, fraud, housing, inflation, lender, Lender Liability, mortgage meltdown, Obama, securitization
Posted in Eviction |