Archives by Tag ' TILA audit '
Dec 12, 2008

madoffcomplaint madoff-and-the-rest-of-wall-street-after-receiving-17page-report-sec-does-nothing-same-withy-mortgage-meltdown DECEMBER 11, 2008, 7:08 P.M. ET Madoff Charged With Securities Fraud By AMIR EFRATI, TOM LAURICELLA and DIONNE SEARCEY Madoff.com Bernard Madoff Bernard L. Madoff, the founder of Bernard L. Madoff Investment Securities and a fixture of the Wall Street trading world for decades, was arrested Thursday morning by Federal Bureau of Investigation […]

Dec 10, 2008

How to Save $$ while attending Garfield Event(s) Napa CA Jan. 19-20, 2009 registration-homeowners-workshop-jan-20-2009-napa-ca /// registration-lawyers-workshop-jan-19-2009-napa-ca * Reserve Workshop Seat prior to Jan 9, 2009 for Early Bird discount on Registration * Reserve seats before 12/31 to deduct expense from 2008 taxes * Mention Garfield’s Foreclosure Defense Group when reserving rooms to get special Group Rate of $159 […]

Jun 30, 2008

AUDITS, REPORTS AND DEMANDS DO NOT STOP NOTICES OF SALE, FORECLOSURES, JUDGMENTS, SALES OR EVICTIONS. ONLY AN ORDER ENTERED BY A JUDGE OF COMPETENT JURISDICTION CAN HAVE THAT EFFECT. Our objective is to get to as many people as possible who were or are effected by the mortgage meltdown practices between 2001-2008. We are allowing […]

May 29, 2008

events-coming-up-for-garfield-continuum-and-garfield-handbooks New comment on your post #214 “Glossary: Mortgage Meltdown and Foreclosure” Comment: A question on TILA and Non-judicial Foreclosure for anyone who knows the answer; Does a rescission letter that is timely and certifiably mailed to all appropriate parties (lender, assignee, servicer, trustee) prevent/nullify a pending non-judicial foreclosure sale? Would appreciate any information that […]

May 28, 2008

IT ALL COMES DOWN TO THIS: LENDERS DIDN’T CARE ABOUT THE QUALITY OF THE LOAN OR THE IMPACT ON BORROWERS OR INVESTORS (INCLUDING THEIR OWN SHAREHOLDERS). THEY WERE PREPARED TO FALSIFY ANYTHING AND USE ANY MISREPRESENTATION OR PRESSURE TACTIC THEY COULD TO GET THE LOAN SOLD AND THE BORROWER TO SIGN. THEY PRETENDED THEY HAD […]

May 25, 2008

New comment on your post #168 “Foreclosure Defense: Cash for Keys Offer and TILA Defenses” Comment:  Can a mortgage be voided or canceled if the contracts, promissory note, deed of trust, TILA and RESPA disclosures and remedies were not produced in the native language of the purchaser or owner, e.g. Spanish? vvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvv Part of the […]

May 23, 2008

The Federal Truth in Lending Act: What You Don’t Know Can Hurt You Pamela D. Simmons Introduction Ten years ago, I represented the borrower in a case that stemmed from a title company’s failure to secure a loan on all of the borrower’s land. (The title company had listed only one of several parcels of […]

May 23, 2008

Strategic Comment: There are two ways for you stop foreclosure, sale and eviction dead in its tracks. One is to file bankruptcy under Chapter 13 which is an opportunity for debtors to reorganize their payments to creditors. An automatic stay goes into effect immediately upon filing with the Bankruptcy Court. Creditors who say or do […]

May 22, 2008

We are still in process of revising our manuscript for publication with all the forms we can think of. Here is a  summary of our findings thus far. Generally we have two types of jurisdictions — the non-judicial sale jurisdictions and the mortgage foreclosure jurisdictions. California, Arizona and Nevada are non-judicial sale jurisdictions as are […]