Banks Use Modifications Against Homeowners Click in or phone in at The Neil Garfield Show Or call in at (347) 850-1260, 6pm EDT Thursdays It is bad enough that they outright lie to homeowners and tell them they MUST be 90 days behind in payments to get a modification. That isn’t true and it is […]

Tags: ATTORNEY FEES, damages, FCCPA, HDC, HOLDER, notice, PARAGRAPH 22 NOTICE, purchase for value, reinstatement, SAMAROO, Wells Fargo, where is the loan contract?
Posted in Corruption, discovery, evidence, expert witness, foreclosure defenses, foreclosure mill, Motions, Pleading, Servicer |

  EDITOR’S NOTE: this is why I am encouraging attorneys to take cases involving foreclosure, even if the foreclosure itself is problematic. The FDCPA federal counterpart essentially states the same rules. These cases allow for damages and recovery of attorney fees that might aid in the cost of protracted litigation by a pretender lender. Most […]

Tags: business relationship, categorically, cell, cellular phones, collect a debt, collection, communicate, consumer, Debt Collection, emergency calls, exempt, exempted, exemption, express consent, factual allegations, foreclose, foreclosure, foreclosure action, landline, Mortgage, notice, phone, pre-suit, prerecorded, security interest, servicer, solicitations, telephone, telephone-solicitation
Posted in Corruption, Motions, Pleading, Servicer |

Since we had our technical difficulties with the use of free conference last time I am going to answer certain questions that were sent in and never covered in the last members teleconference. Free conference assures me that the technical problems have been solved —  but the call-in number is going to be different. THIS […]

Tags: magic bullet, notice, paragraph 22, pretender lender, securitization scheme
Posted in Eviction |

BANK OF AMERICA TAKES ANOTHER HIT: BANKS MISLEAD BORROWERS WHEN THEY INSTRUCT THEM TO STOP MAKING PAYMENTS AND REFUSE PAYMENTS If you are seeking legal representation or other services call our Florida customer service number at 954-495-9867 and for the West coast the number remains 520-405-1688. Customer service for the livinglies store with workbooks, services […]

Tags: borrower, breach of contract, breached, cause of action, citations omitted, collection, consumer, contract claim, contractual, default, estoppel, factual allegations, FEDERAL DISTRICT COURT, force and effect, foreclose, foreclosure, guaranteed, indebtedness, lender, manual, misrepresentation, mitigation, modification, Mortgage, notice, quotation, RANSON V BANK OF AMERICA, reinstatement, servicer, special relationship, thereunder, VETERANS, West Virginia
Posted in bubble, Corruption, Eviction, securities fraud |

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT SERVICE 520-405-1688 See Full Indictment: Microsoft-Word-DOCXIndictment.docx_ “Defendant, acting knowingly in concert with its employees, with the purpose to defraud, used as genuine or transferred with the knowledge or belief that it would be used as genuine, a writing, namely Deed of Release number […]

Tags: 60 minutes, AHMSI, appraisal fraud, attorney general, auction fraud, Chris Koster, credit bids, DocX Indictment, foreclosure fraud, FORECLOSURE SETTLEMENT, foreclosures, forgery, housing market, housing prices, investors, linda green, LPS, Missouri, mortgage fruad, mortgages, notice, Robo-Signing, settlement, strategic default, title
Posted in bubble, Corruption, Eviction, securities fraud |

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S COMMENT: The Courts are bending toward the borrower. Here the homeowner alleged in an affirmative defense that they had not been giving proper notice of default and therefore the foreclosure was at the very least premature. But the Court, instead of leaving […]

Tags: bankruptcy, borrower, countrywide, disclosure, discovery, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, issue of fact, LOAN MODIFICATION, modification, notice, quiet title, rescission, RESPA, securitization, TILA audit, trustee, WEISBAND
Posted in bubble, Corruption, Eviction, securities fraud |

Submitted by Charles Koppa The auctioneer represents the “beneficiary” in the sale.. If there is a “reserve amount minimum” (see below) the auctioneer actually bids up as agent for the unnamed beneficiary! The recipient “beneficial trust” is finally publically identified and documented by the Foreclosing Trustee in the recorded Trustees Deed Upon Sale.  Try to find a […]

Tags: Auction, auctioneer, Back to Beneficiary, beneficial trust, beneficiary, due process, foreclosing trustee, HERS, lack of notice, notice, party in interest, reserve amount minimum
Posted in bubble, Corruption, evidence, expert witness, foreclosure mill, Modification, securities fraud, Servicer |

Editor’s Note: Due process requires that nobody be deprived of life, liberty or property without a judicial determination on the merits of claims against them. Non-judicial procedure runs a thin line that has not actually been tested constitutionally. Assuming it is valid by virtue of the “freedom of contract” doctrine, it still cannot be used […]

Tags: cloud on the title, due process, Florida, Florida bankers Association, foreclosure sales, freedom of contract, Homeowner Relief and Housing Recovery Act, House Bill 152, House Criminal & Civil Justice Council, judicial determination, judicial economy, Malcolm Doney, merits of claims, non-judicial foreclosure sales, NON-JUDICIAL SALE, notice, Owner of a Promissory Note, rally, Tally, without prejudice
Posted in bubble, Corruption, Eviction, securities fraud |

Seminars for Layman (Pro Se Litigants) and For Lawyers TILA RIGHT OF RESCISSION and CONSEQUENCES TRUTH IN LENDING FEDERAL CIVIL COURT, FEDERAL BANKRUPTCY, STATE COURT INFORMATION THIS POST RELATES ONLY TO RESCISSION UNDER TILA. IT SHOULD BE REMEMBERED THAT THERE ARE MULTIPLE GROUNDS FOR RESCISSION AND CANCELLATION OF THESE NOTES AND POSSIBLY TREBLE DAMAGES FOR […]

Tags: damages, finance charges, foreclosure, interest, lender, notice, points, quiet title, refunds, rescission, TILA, TILA audits, truth in lending
Posted in bubble |