Readers of Livinglies: Firstly, might I say we were as shocked as anyone to learn of Judge Spinner’s ruling, so eloquently documented in his Jeffersonian-writing style. We appreciate the notes and calls of support, but we are ordinary people whose only wish is to return to a normal life. As the court records indicate, we […]

Tags: disclosure, Eviction, foreclosure defense, foreclosure offense, fraud, mortgage meltdown, predatory lending, securitization, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

You will find similar provisions in virtually every state and without much variation. It is no exaggeration to say that the “enforcement” of invalid mortgages and notes are acts of fraud. By this time there is no possibility of claiming ignorance on the part of anyone who is not in a coma and who is […]

Tags: borrower, disclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, Mortgage, predatory lending, securitization, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

This is what Mr. Robert E. Bostrom, Executive Vice President, General Counsel & Corporate Secretary of Freddie Mac had to say to the Supreme Court Task Force on Foreclosures. “Recommendation regarding verification of “ownership” of the mortgage” “The Task Force has recommended a requirement for a plaintiff in a foreclosure action to verify that it owns […]

Tags: bankruptcy, borrower, disclosure, foreclosure defense, foreclosure offense, fraud, MERS, mortgage meltdown, securitization, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

now available on kindle/amazon! Bank and Regulators neglect-and-inaction-7-10-09-final IndyMAc Bank FSB. v Yano-Horosky Nevada Law Practical RP Issues VIDEO: Preparing for Hyper Inflation People (including lawyers cross-examining me as an expert witness) ask “How do you know that?” Or sometimes they will ask “How do you know you’re right?” My answer is that it’s not […]

Tags: amazon, banks, demand deposit accounts, depository, extinguishment of obligation, invalidation of mortgages, invalidation of notes, kindle, mortgage meltdown, regulators, securitization, speculation, Wall Street
Posted in bubble, Corruption, Eviction, securities fraud |

“The note is often produced at some point in the litigation, but the real problem is, how did they get it? When did they get it? And did the transfer of ownership comport with federal and Florida law for the transfer of such negotiable instruments?” In cases that are dismissed based on these arguments, foreclosure […]

Tags: April Charney, default, Florida, foreclosure defense, foreclosure offense, Jacksonville Business Journal, Jose Semedey, Kimberly Morrison, negotiable instrument, pretender lender, produce the note, quiet title, real lender, securitization, transfer of ownership
Posted in bubble, Corruption, Eviction, securities fraud |

NOW AVAILABLE ON KINDLE/AMAZON WHY THIS IS IMPORTANT TO FORECLOSURE DEFENSE AND OFFENSE: OK I know the last thing you want to hear is how complex this scheme was. But if you can get over the intimidation factor, you will see how the lawsuits filed by individual homeowners, attorney generals, and class actions are picking […]

Tags: AAA rating, borrower, disclosure, Fitch, foreclosure defense, foreclosure offense, fraud, Lender Liability, McGraw Hill, Moody's, ohio police and fire pension fund, Ohio Public employment retirement System, rating agencies, rescission, SEC, Securities and Exchange Commission, securitization, Standard & Poor's, Trile-A, underwriting standards
Posted in bubble, Corruption, Eviction, securities fraud |

Government officials, perhaps influenced by spending too much time with bankers, forgot that if you want to govern effectively you have retain the trust of the people. And by treating the financial industry — which got us into this mess in the first place — with kid gloves, they have squandered that trust. During the […]

Tags: AIG, bailout, disclosure, Federal reserve, foreclosure defense, foreclosure offense, illusion of financial soundness, Krugman, mortgage meltdown, Ny Times, securitization
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NY JUDGES ROCK — IndyMAc Bank FSB. v Yano-Horosky Indymac Bank F.S.B. v Yano-Horoski 2009 NY Slip Op 52333(U) Decided on November 19, 2009 Supreme Court, Suffolk County Spinner, J. Published by New York State Law Reporting Bureau pursuant to Judiciary Law § 431. This opinion is uncorrected and will not be published in the […]

Tags: borrower, disclosure, foreclosure defense, foreclosure offense, fraud, Horoski, INDYMAC, Mortgage, predatory lending, quiet title, securitization, vacating foreclosure sale, Yano
Posted in bubble, Corruption, Eviction, securities fraud |

AVAILABLE ON KINDLE/AMAZON You can use this information by establishing “probable cause” in the mind of the Judge or jury right off the bat — we know they lied to investors, are we now supposed to believe they told the truth to the homeowners? This is the kind of news article buried deep into a […]

Tags: auction rate securities, borrower, credit default swaps, disclosure, foreclosure defense, foreclosure offense, fraud, Investor, mortgage backed securities, securitization, Wells Fargo
Posted in bubble, Corruption, Eviction, securities fraud |

AVAILABLE ON KINDLE/AMAZON Editor’s Note: While the media, Wall Street and government sources try to placate us, there are inescapable truths right now and inescapable consequences right around the corner. Other than people who own their home outright or who are relatively close to that point, nearly every homeowner in America has several problems: (1) […]

Tags: borrower, delinquencies, foreclosure defense, foreclosure offense, home prices, LOAN MODIFICATION, median income, Mortgage, mortgage meltdown, Ny Times, securitization, short sales, voluntary abandonment
Posted in bubble, Corruption, Eviction, securities fraud |