In addition to defrauding the borrower whose signature will be copied and fabricated for dozens of “sales” of loans and securities deriving their value from a nonexistent loan contract, this distorted practice does two things: (a) it cheats investors out of their assumed and expected interest in nonexistent mortgage loan contracts and  (b) it leaves […]

Tags: acceptance, Belanger, borrower, consideration, disclosure, foreclosure, foreclosure defense, foreclosure offense, fraud, loan contract, offer, rescission, securitization, trustee
Posted in Uncategorized |

For further information please call 954-495-9867 or 520-405-1688 =============================== We have all seen it, heard and experienced it over and over again. In this case Wells Fargo offered a “temporary” modification, it was accepted and the trial payments were made. Wells Fargo said the modification offer and acceptance lacked consideration — the height of arrogance […]

Tags: acceptacne, consideration, contract, FORECLOSURE SETTLEMENT, LOAN MODIFICATION, offer, Wells Fargo
Posted in Uncategorized |

The issue is what are the elements of the loan contract? Who are the parties? And who can enforce it? I would agree that an overpayment at closing from the source of funds is rare. What is not rare and in fact common is that the wire transfer instructions that accompany the wire transfer receipt […]

Tags: acceptance, borrowers, closing table, consideration, contract law, debt, documentation, homeowners, investors, lenders, Mortgage, note, offer
Posted in Corruption, evidence, expert witness, foreclosure defenses, Modification, Pleading, Servicer |

EDITOR’S NOTE: By popular demand I am writing a new workbook that is up to date on the theories and practices of real estate loans, documentation, securitizations and effective enforcement and foreclosure of the collateral (real property — i.e., the house). The book will be finished around the end of January. If you want to […]

Tags: acceptance, assignment, Bench Book, consideration, debt, foreclosure defense, foreclosure defense workbook, Garfield Continuum, Judge Jennfier bailey, loan contract, Mortgage, mortgage transactions, note, note mortgage, offer, securitization, workbook
Posted in evidence, Modification, Motions, Pleading |

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 and analysis remains the same at 520-405-1688. The people who answer the phone are NOT attorneys and NOT permitted to […]

Tags: acceptance, consideration, contract law, credit default swaps, CYRPUS, debt, euro, ICELAND, insurance, Italy, MERS, Mortgage, mortgage bonds, naked nominee, nominees, note, offer, Ponzi scheme, preadtory loans, public policy, real property law, REMIC TRUST, SPAIN, table funded loans, TILA, Truth in Lending Act
Posted in bubble, Corruption, Eviction, securities fraud |

Everyone seems to be having trouble with winning these cases outright. I think I have discovered the problem. Most attorneys start in the middle of things because that is how it comes to them. Basic Contracts Law, first day of law school. For an agreement to be enforceable it must have all three of the […]

Tags: acceptance, accounting, consideration, contracts law, loan receivable, mortgage bonds, offer, Ponzi, shadow banking, shell game
Posted in bubble, Corruption, Eviction, securities fraud |