Forbes has taken notice. There is a shift toward borrowers in mortgage litigation. The decision points back to the origination of the loan. This decision follows a similar decision in the 4th circuit. It all comes down to what actually happened at closing? And we don’t actually know if the decision to allow rescission indefinitely […]

Tags: banking, foreclosure defense, rescission, TILA, truth in lending
Posted in Corruption, evidence, expert witness, foreclosure mill, Modification, Motions, Pleading, securities fraud, Servicer |

What’s the Next Step? Consult with Neil Garfield For assistance with presenting a case for wrongful foreclosure, please call 520-405-1688, customer service, who will put you in touch with an attorney in the states of Florida, California, Ohio, and Nevada. (NOTE: Chapter 11 may be easier than you think). “Victims can receive up to $125,000 […]

Tags: Deny and Discover, GFE, good faith estimate, OCC White Paper, RESPA, Tenant Protection, TILA, TILA Summary, truth in lending
Posted in bubble, Corruption, Eviction, securities fraud |

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT EDITOR’S NOTE: FULL CIRCLE. When I started writing this blog I had researched the Truth in Lending law and concluded that it was one of the better pieces of legislation designed to protect consumers and maintain competition in the marketplace. That said, I […]

Tags: bankruptcy, borrower, countrywide, disclosure, FCPB, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, LOAN MODIFICATION, modification, QUALIFIED LOAN, quiet title, rescission, RESPA, securitization, TILA, TILA audit, trustee, truth in lending, UNQUALIFIED LOAN, WEISBAND
Posted in bubble, Corruption, Eviction, securities fraud |

COMBO TITLE AND SECURITIZATION SEARCH, REPORT, ANALYSIS ON LUMINAQ 3.16.2011 Illinois Recission Stewart-v-BAC-w EDITOR’S NOTE: THIS CASE STANDS FOR THE PROPOSITION THAT YOU CAN’T TELL THE BORROWER LATER WHAT SHOULD HAVE BEEN DISCLOSED AT CLOSING: Federal Law has governed these fake securitized loan transactions from their beginning. That is why they are fatally defective and […]

Tags: DEUTSCHE BANK, Deutsche Bank National Trust, Ellie Stewart, foreclosure fraud, Illinois, MERS, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS INC., Regulation Z, rescission, righ to cancel, TILA, truth in lending, VIRGINIA M. KENDALL
Posted in bubble, Corruption, Eviction, securities fraud |

THE BOTTOM LINE IS THAT CASE LAW IN VARIOUS CASES REPORTED IN THIS BLOG SHOWS THAT WHEN ONE INSTITUTION CONFRONTS ANOTHER, THE APPARENTLY INFERIOR LIEN BECOMES EITHER SUPERIOR, OR THE ONLY LIEN. CONDOMINIUM ASSOCIATIONS, HOMEOWNER ASSOCIATIONS TAKE NOTE: YOUR LIEN MIGHT BE WORTH THE ENTIRE HOUSE IF YOU FILE FOR A DECLARATORY ACTION RAISING THE […]

Tags: ASSOCIATION LIEN, HELOC, PRIORITY OF LIENS, Reg Z, SECOND MORTGAGE, table funded loans, truth in lending, UCC
Posted in bubble, Corruption, Eviction, evidence, expert witness, foreclosure mill, Modification, Motions, Pleading, securities fraud, Servicer |

Editor’s Note: Judges are quick to jump on the TILA Statute of Limitations by imposing the one year rule for rescission and damages. But there is more to it than that. First the statute does NOT cut off at one year except for items that are apparent on the face of the closing documentation; so […]

Tags: 215 F.R.D. 26, 30 (D. Mass. 2003)., brad keiser, damages, enforcement, expert, forensic analyst, McIntosh v. Irwin Union Bank & Trust Co., notary was improperly applied, one year, pretender lenders, Public records, rescission, securitization, statute of limitiations, three years, TILA, truth in lending, U.S.C. § 1641(e), violation is revealed
Posted in bubble, Corruption, Eviction, expert witness, Modification, securities fraud, Servicer |

Mortgage ruling could shock U.S. banking industry Mon Jun 30, 2008 8:14pm BST By Gina Keating – Analysis LOS ANGELES (Reuters) – A lawsuit filed by a Wisconsin couple against their mortgage lender could have major implications for banks should a U.S. appeals court agree that borrowers can cancel their loans en masse when their […]

Tags: Adelman, bundled, Chevy Chase Bank, countrywide, Demet, foreclosure defense, fraud, investment vehicles, lending fraud, mortgage lender, rescission, truth in lending, Wisconsin
Posted in Eviction |

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 […]

Tags: foreclosure defense, mortgage audit, rescission, right of rescission, TILA, TILA audit, truth in lending
Posted in Eviction |

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 |

Here is where you can make some headway and push back against the lender. Taken from Bankersonline.com. Show this to your attorney but make absolutely certain he/she knows about this or the mistakes mentioned in the article will be repeated. respa-permitted-fees We have names of attorneys and auditors who do this for a living.  ACTION […]

Tags: audit, TIL, truth in lending
Posted in bubble, Eviction, securities fraud |