BOTTOM LINE: Use of a nominee causes an irreconcilable cloud on title entitling the homeowner to recovery on his homeowner title insurance policy. If homeowners purchased title insurance, they were at the same time in the same closing agreeing that the names of MERS and Countrywide would be used, for example, but that off-record activity […]

Tags: borrower, disclosure, foreclosure, foreclosure defense, foreclosure offense, lender, Lender Liability, mortgage meltdown, rescission, RESPA, securitization, trustee, Wells Fargo
Posted in bubble, Corruption, Eviction, Modification, securities fraud |

Fellow travelers, I just had my first incident and wanted to warn everyone. New client comes to see me after just being served. Wells (not original lender) sends them a “package” of documents after they are 30 days late telling them all about their efforts to work with them and prevent foreclosure. Enclosed was a […]

Tags: borrower, disclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, lost note, rescission, securitization, TILA, trustee, Wells Fargo
Posted in Corruption, Eviction, Modification, securities fraud |

  mers-membership milestoneplus Sample Response Record: Corporate Name: West Coast Servicing, Inc. Address: 17011 Beach Blvd., #300 City,State,Zip: Huntington Beach, CA 92647 Toll Free Number: (866) 574-2001 Direct Number: (714) 596-6333 Fax Number: (714) 596-6333 Primary Contact: Cameron Clayton Website: http://www.wcrsi.com Member Org ID: 1006937 Lines Of Business: Originator, Servicer, Subservicer, Investor, Document Custodian eRegistry […]

Tags: audit, borrower, countrywide, disclosure, foreclosure, foreclosure defense, foreclosure offense, fraud, lender, lost note, Mortgage, predatory lending, quiet title, rescission, RESPA, RICO, securitization, TILA, TILA audit, trustee, Wells Fargo
Posted in bubble, Corruption, Eviction, securities fraud |

It was only a matter of time. This is probably the tip of the iceberg. index.htm “Autonomy ZANTAZ is renowned for its blue chip customer base including diverse and global corporations ranging across industry sectors and geographies, including banking, insurance, pharmaceutical, medical products, biotech, healthcare, entertainment, energy, law firms and litigation services. Furthermore, US and […]

Tags: disclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, lost note, Mortgage, predatory lending, rescission, RESPA, RICO, securitization, TILA audit, Wells Fargo
Posted in bubble, Corruption, Eviction, securities fraud |

QUESTION/COMMENT: ANSWERS IN BOLD A client in NorCal was referred to me.  She took out an 80/20 loan first and second for about $650,000 total in 2005.  She has paid over $150,000 towards interest, payments and fees. SEE APPRAISAL FRAUD, CNN ARTICLE FOR 2005, APPRAISAL FORUM SPEECH FROM 2006, RECENT POSTS. TITLE COMPANY/TRUSTEE, LENDER AND […]

Tags: appraisal fraud, bankruptcy, CMS, foreclosure defense, foreclosure offense, HOLDERS IN DUE COURSE, mortgage audit, New Century Financial Corp, TRUSTEE REPLACEMENT, Wells Fargo
Posted in Eviction |

WELLS FARGO CREATES FRAUDULENT MORTGAGE, FRAUDULENT FORECLOSURE, AND FRAUDULENT NEGATIVE CREDIT INFORMATION: THE ULTIMATE IN CORPORATE ARROGANCE In the course of defending numerous foreclosure actions around the United States, we have come across some fairly horrendous fact patterns, but to date, that described here (a true story, by the way) takes the cake hands down. […]

Tags: falso documentation, fraud, lender, Premier Mortgage, Wells Fargo
Posted in Eviction |

In the context of the Mortgage Meltdown-Securitization Frenzy, it just might be possible that most of the promissory notes issued by homeowners on refinancing or purchasing their homes are lost and destroyed. It might even be all of them. If that is the case, it can be argued that nobody is entitled to receive payments […]

Tags: assignments, Cayman Islands, foreclosrep, promissory note, servicer, structured investment vehicles, Taylor Bean, trustee, Wells Fargo
Posted in Eviction |

LITIGATORS AND LITIGANTS WHO ARE FIGHTING FORECLOSURE AND USING OFFENSIVE STRATEGIES TO RECOVER REFUNDS, REBATES AND DAMAGES FROM THE COLLECTION OF COMPANIES THAT RAN UPLINE AND DOWNLINE FROM THE LENDER SHOUDL TRACK THESE LAWSUITS AND EVERY FIILNG — THERE IS A LOT OF GOLD IN THOSE PLEADINGS AND A LOT OF WORK YOU WON’T BE […]

Tags: Appraisal, balance sheet, Buffalo, Deutsch Bank, FASB, foreclosure defense, lawsuits, Michigan, rating, Wells Fargo
Posted in Eviction |

Take a look at the article (link below) which highlights the essential issues. It’s a bit choppy in reading but it makes the points you should consider as you plan your strategy for dealing with life over the next 10 years. Despite assurances from the administration and those on Wall Street who are trying to […]

Tags: Barclays, countrywide, foreclosure defense, Moody, negative amortization, predatory lending, TILA audits, Vacate foreclosure judgment, Wall Street, Wells Fargo
Posted in bubble, Corruption, Eviction, securities fraud |

Here are some headlines that are grabbing the attention of mortgage lenders. As you can see they have good reason to be scared. It may not look like it and they might not act like it, but you have the upper hand now on your mortgage whether it is in default, foreclosure, sale, eviction or […]

Tags: countrywide, foreclosure defense, foreclosure litigation, foreclosure offense, JP Morgan Chase, Wells Fargo
Posted in bubble, Eviction |