Neil Garfield, Esq.

Neil Garfield, Esq.

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Founder

Neil F. Garfield, M.B.A., J.D., 1947-2023, was our mentor and tutor on Foreclosure Defense strategies and methods. He is the founder of Defend the Foreclosure, and he ran the firm alongside his hand-picked successor Lance Denha esq, the last years of his life. He was the winner of many academic awards, a popular speaker on his radio show, and the author of our blog focusing on everything related to the issues surrounding illegal foreclosures. As a former investment banker, he knew mortgage securitization issues from the inside out, who the deciders were, and how they arrived at a catastrophic scheme to defraud people, agencies, institutions, and governments all over the world.

As an expert witness and trial lawyer for 41 years, his efforts to spot evolving trends helped thousands of homeowners keep their homes and receive damages as compensation. Having formerly filed hundreds of foreclosure actions as the attorney for small banks, homeowner associations, and mechanics' liens, he was well suited to assist investigators, lawyers, and pro se litigants on defense methods. He was first alerted to the possibility that the investment banks were conducting a fraudulent enterprise when he learned of a study by Katherine Ann Porter at the University of Iowa in 2007 where it was first revealed that 40% of the closing documents, including the promissory notes from “borrowers” had been destroyed or “lost.”

Knowing that this percentage was far too high to be dismissed as accidental, he quickly concluded that the destruction of notes and other closing documents was intentional. He eventually concluded that the only reason a sophisticated worldwide banking institution would destroy promissory notes (equivalent of cash) was that the notes were created, sold, and traded under false pretenses. The banks successfully convinced most people that images from a computer were just as good as the original paper (despite laws to the contrary). Neil’s work lives on here at Defend the Foreclosure through the co-counsel relationships and the team he left behind to complete his work defending homeowners against illegal foreclosure nationwide.