One of the rewarding aspects of what I do is to see more and more people not only hopping on board, understanding securitization, but adding to the body of knowledge I have amassed. In the following article Bill Paatalo, who has done the loan level accounting for many of our readers, expands upon a topic […]

Tags: Auction, Bill Paatalo, credit bid, default, foreclosure sale, Notice of Default, Notice of Sale, redemption, reinstatement, standing
Posted in Corruption, Eviction, evidence, expert witness, foreclosure mill, Modification, Pleading, securities fraud, Servicer |

Dan Hanacek, who will be at the conference in Emeryville tomorrow, and Charles Cox can be reached through our customer service number 520-405-1688. Dan is a lawyer with whom I am engaged in mentoring and resourcing in Northern California cases and Charles helps people all over the country. The tide is turning. The basic principles […]

Tags: agent, assignment, mortgages, notes, Notice of Default, Notice of Sale, principal, recording, TRUSTEES
Posted in bubble, Eviction |

Moving the Goal Posts Again SELLING LIEN INSTEAD OF PROPERTY AT TRUSTEE SALE When Will Judges Get It? There is NO Mortgage Lien EDITOR’S ANALYSIS: A new instrument is surfacing masquerading as a Notice of Sale. This is going to be interesting. If you didn’t read it, as most of these were probably not read […]

Tags: Notice of Sale, sale of lien, trustee, trustee sale without warranty of title
Posted in bubble, Corruption, Eviction, securities fraud |

Featured Products and Services by The Garfield Firm NEW! 2nd Edition Attorney Workbook,Treatise & Practice Manual – Pre-Order NOW for an up to $150 discount LivingLies Membership – Get Discounts and Free Access to Experts For Customer Service call 1-520-405-1688 Want to read more? Download entire introduction for the Attorney Workbook, Treatise & Practice Manual 2012 […]

Tags: Bloomberg News Editors, borrower, CFPB, Consumer Financial Protection Bureau, declaration of default, Fannie MAe, Force Placed Insurance, foreclosure, foreclosure fraud, fraud, housing insurance, housing market, insurance premiums, investors, mortgage bonds, no paper certificate, non-existant mortgage bonds, Notice of Sale, predatory lending, servicers betting against homeowners, Tara Steele
Posted in Uncategorized |

GET LOAN SPECIFIC RECORDS PROPERTY SEARCH AND SECURITIZATION SUMMARY FTC v Countrywide Home Loans Incand BAC Home Loans ServicingConsent Judgment Order 20100607 Editor’s Comment: This “tip of the iceberg”  is important for a number of reasons. You should be alerted to the fact that this was an industry-wide practice. The fees tacked on illegally during […]

Tags: Appraisal, Bank of America, bo-doc, california foreclosure, countrywide, delinquency, excessive fees, Federal Trade Commission, feeder originators, fees, FTC, interest rates, investors, loans, Merrill Lynch & Co., mortgage backed securities, Notice of Default, Notice of Sale, points, Quicken, underwriting
Posted in Corruption, Eviction, evidence, expert witness, foreclosure mill, Modification, securities fraud, Servicer |

REGISTER NOW FOR DISCOVERY AND MOTION PRACTICE WORKSHOP MAY 23-24 PRINCIPAL REDUCTION IS A RIGHT NOT A GIFT. IF THE OBLIGATION HAS BEEN PAID BY THIRD PARTIES, THEN THE OBLIGATION HAS ALREADY BEEN REDUCED. THE ONLY FUNCTION REMAINING IS TO DO THE ACCOUNTING. ” There should be no doubt in your mind now that virtually […]

Tags: accounting, allocation of payments, and advances, Bank of America, CALIFORNIA, creditor, delinquency status, discovery, foreclosure suit, foreclosures, Goldman Sachs, Hagens Berman Sobol Shapiro, INVESTORS TAKE NOTE, Notice of Default, Notice of Sale, Obligation, payments, pool, principal reduction, profits, sale to investors, SEC, SPV pools, Steve Berman, TARP, TARP regulations, third party payments, undisclosed fees
Posted in Corruption, Eviction, expert witness, foreclosure mill, Modification, securities fraud, Servicer |

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 |

events-coming-up-for-garfield-continuum-and-garfield-handbooks california-statutes-foreclosure ten-reality-questions-answers-sb_1137_faq_rev_3 Letter of Objection to Trustee in Non-Judicial Sale States SEE three-day-rescission-three-year-rescission-and-general-rescission NOTE: THERE ARE ACTUALLY THREE LETTERS OF OBJECTION AND RESCISSION THAT COULD BE SENT: (1) THREE DAY NOTICE OF RESCISSION, (2) THREE YEAR NOTICE OF RESCISSION AND (3) GENERAL CLAIMS NOTICE OF RESCISSION OR NULLIFICATION. IN ALL CASES, THE NOTICE SHOULD […]

Tags: foreclosure defense, foreclosure offense, Notice of Default, Notice of Delinquency, Notice of Sale, Unlawful Detainer
Posted in Eviction |