“A mortgage can be enforced only by a person who can enforce the underlying debt; a mortgage is but incidental to the promissory note.” Adam Levitin. Discovery how to save your house from foreclosure with cutting edge Foreclosure Help and mortgage fraud resources from the #1 Foreclosure Help organization.


According to a government audit nearly 83% of mortgages surveyed contained legal errors and violations that could be problematic for lenders attempting to foreclose. Learn how to make the banks pay you to go away and get the remedy you deserve with the #1 Foreclosure Help organization!

FRAUD STOPPERS Free EBook Foreclosure Traps Pitfalls and Swindles


FRAUD STOPPERS Hybrid system provides you with Foreclosure Help and Mortgage Fraud Defense Solutions and Support that can save you time and money while increasing your odds of success.

Mortgage Fraud Audits

Appraisal Fraud Audits, Bloomberg Securitization Audits, Forensic Audits, Robo-Signing Audits, Handwriting Analysis, and more

Turnkey Lawsuits

Quite Title Lawsuits, Wrongful Foreclosure Lawsuits, FDCPA Lawsuits, TILA Rescission Lawsuits, Auto Loan Lawsuits, Credit Card Lawsuits, and more.

Legal Documents

Administrative Documents, Custom Court Ready Legal Documents, Answers, Briefs, Complaints, Injunctions, Appeals, and more.

Attorney Network

Nationwide Foreclosure Help Attorney Network Covering all 50 U.S States, Canada, and the UK.

Affidavits & Testimony

Signed and Notarized Expert Witness Affidavits and Expert Witness Testimony available.

Litigation Support

Professional Paralegals Providing Pro Se Support and Foreclosure Help Services 


Legal Education

Pro Se Legal Education & Foreclosure Help Education to Increase Your Odds of Success

Loan Modifications

Professional No Money Down Loan Modification Services, and Pro Se Loan Modification Support. Litigation Enhanced Loan Modification Options Available.

Short Sales Programs

Professional Realtor Short Sale Programs and Investor Short Sale / Leaseback Programs Available.

Bankruptcy Documents

Professional Bankruptcy Paralegal Document Preparation Services; including listing property as unsecured asset.

Credit Repair

Repair and Improve Bad Credit and Increase Credit Score with Professional Credit Repair Services

Income Opportunities

Get Paid to Help Others Stop Foreclosure & Mortgage Fraud with FRAUD STOPPERS Foreclosure Help Products & Services 

Get cutting edge foreclosure help and mortgage fraud resources when you join FRAUD STOPPERS today. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners. 




FRAUD STOPPERS foreclosure help and mortgage fraud products and services are intended to help you save time and money, and increase your odds of success, getting the legal remedy that you deserve with legal education, nationwide attorneys, custom court ready legal documents, trial ready evidence products, expert witness affidavits and testimony, credit repair, bankruptcy, short sales, loan modifications, keys for cash & settlement negotiations, and more.

FRAUD STOPPERS Skip Tracing Reports
FRAUD STOPPERS Forensic Accounting Audits
FRAUD STOPPERS Appraisal Fraud Audits
FRAUD STOPPERS Loan Modifications
FRAUD STOPPERS Mass Joinder Lawsuits
FRAUD STOPPERS Foreclosure Help


Discover the truth behind the mortgage & banking fraud that caused the 2008 banking meltdown, and how you can profit from it.

  • Foreclosure Help
  • Foreclosure Traps & Pitfalls to Avoid
  • How to Respond to a Notice of Default
  • How Table Funded Loans Really Work
  • Winning Court Strategies
  • Winning Mortgage Fraud Lawsuits
  • How to Make Money Helping Others
  • And Much More
“Well guys here we are 14 months later and I just left the court where Wells Fargo foreclosure case was dismissed with Prejudice. That’s right with Prejudice! Can you believe it. Now all we have to do is sue for quiet title and I’m home free.” Victor Seabrooks

“I am very happy with the work your company has done and your genuine concern. Next month I am going to sign on with Legal Shield as you also suggested.” Julie Meadows

“FRAUD STOPPERS helped me in many ways. I contacted them because I was struggling with a foreclosure action started by Bank of America. FRAUD STOPPERS began its help by providing a free audit of the mortgage history of my property and introduced me to the concept of tangible and intangible note and security documents.” Dutch Maynard

James Jones

Btw, the Substitute Trustee sale NEVER took place yesterday, County Recorder asked how I managed to pull that off, I said Fraud Stoppers! Lol  James Jones

Melanie Strapp

I want to thank you for your help, i won my case  and the bank want to settle out of court.

Melanie Strapp



I would like to say that I love your website,and I think you guys are spot on when it comes to the issue with loans originating from the area 2005,2006,2007 and so on.

Dutch Maynard


FRAUD STOPPERS helped me in many ways. I contacted them because I was struggling with a foreclosure action started by Bank of America which devolved to LSF9 Master Participation Trust serviced by Caliber Home Loans (actually owned by LSF9, covertly). FRAUD STOPPERS began its help by providing a free audit of the mortgage history of my property and introduced me to the concept of tangible and intangible note and security documents.

Margo Biuso


Through your agency I was referred to law firm that is working on research of my original mortgage file. This I was told is about a year, and I am about 3 months into it.

Terrence Clarke


Yes we need more fraud stopper in all area of this Society. To tell it as it is about the one percent and the ninety nine percents.

Daniel Lee


Thanks too the one and only Fraud Stoppers I found that I was a tenant and not the owner and I was kicked out of my property as a tenant in common and not the owner. Over come the deception  and a bifurcated separation of tittle and deed.

Lani Bernard


Yea thank you Mr. Frank.. you are gods mercy for us.. smile

Patrick Griffin


Fraud Stoppers Team took me out of the confusion and darkness and put me on a road of structure and knowledge . Each day there was a goal set and achieved , I had been fighting a battle they were initiating a process , that made all the difference. On each step of their process I found their paperwork to be top notch , there support people always there with the right answers. If you like I find yourself fearful wandering in darkness and confusion bombarded with information and misinformation ;make a call to the Team at Fraud Stoppers . I did and have no regrets.

Fred Schneider


Thanks again for ALL you do to help people like me and all the others you make claim you have helped.  You and Neil are doing a great job and there seems to be a LOT of movement out there and across our nation to finally get people to understand this huge racketeering scam that has gone on far too long.

Patty Cueto


I do realize that I got a great deal on the docs. I just want to thank you again for all you have done for me, also I’m very grateful for finding you on YouTube. Keep up the great work !!! We definitely need more people like you in this world,

Tim VanderLinda


You folks are just great people who give solid information I have not been able to obtain until today. Just a big thanks and little hope that your who I think you are, considering how long I have faced the incessant frauds and crimes that have essentially stripped everything in my life without any honest advocate. Thank you again for any type of help you provide.

Julie Meadows


I am very happy with the work your company has done and your genuine concern. Next month I am going to sign on with Legal Shield as you also suggested.

Robert Willis


This is Willis from SC. I thank the whole staff of the Fraud Stoppers in doing a great job in the litigation dept. Especially Amy! She is one heck of a woman. Joe you are very lucky to have her on your team! Peace and blessings to you all.

Liz Combs


Thank you so very much, Frank and Damion, for being on top of this and so quick in your response. I will be reviewing it later on this evening, or perhaps tomorrow morning! I appreciate the notes back to me!

William Montes-Pack


I am satisfied with the answers and corrections.  The answers definitely helped me understand the relationship between government guaranteed loans, recordings & securities.

Judith T Gilchriest


Thanks guys it’s so good. So unbelievable all the stuff in my loan still gotton finish paper work n send other letters gonna send the rest all at once and wait 21 days I think they already responded with paperwork different than there compliant can’t wait to right a review just a lot to learn but so expertly laid out and trust you guys go far and beyond the act of duty and have all the expertise and stand behind your company’s word

Marcella Hernandez


Among many attributes, Fraud Stoppers’ program has a great deal of information and resources available.  It’s really good to have information that someone I trust has looked at and approves of before spending time reading it.

Fraud Stoppers sends me helpful emails like this one. Great advice.

Cynthia Cameron


You guys are doing a great job!

Wendy Stein


Beautiful product launch!!!! Looking forward to working with ya’ll again, soon!

Robbie Lee


I got them done finally yesterday and bank didn’t put home on the market they stopped the sale hmm wonder why ? I got a good reason want to hear bet you already know don’t you ? Cause they do not hold the NOTE! I am happy made me believe more thank you not for making me worry jk but for sicken in with me I can be a handful and I am Sorry I worry all the time but I wanted to tell Sir TY

Phil Hewett

Thanks for the effort…hope I can put it to good use.

Charles Rapoli

Just wanted to pass on to you a big thank you for the analysis. It was great talking to someone that brings a ray of hope through all the deceptive evil that surrounds us. I reviewed the documents and I am very impressed with the information. I have learned even more.I look forward to more and thanks. Keep up the good work.

Roberto Vigil

Hello Frank, the Audit Report by Bert was amazing, I was able to enter it into evidence at trial on July 15, I am working on the findings of facts due end of this week and then we wait for the order buy October. Meanwhile can you recommend an Attorney to look at it and give me a legal opinion and plan going forward, I am really pleased with your services, Thank you so much, .come back

Earl Combs

Thank you very much, Damion and Frank! Your work is much appreciated! Thank you, also, for a speedy response!

Julie Brown

Thanks for all your help.  I appreciate it.

Mrs. Reyes

I hope all is well with you.  I just wanted to wish you a Happy Holiday and thank you for all your hard work.  I look forward to working with you in the new year.

Wendy Green

Thank you so very much for your concern and the information you are willing to share. I will follow-up as discussed.


I certainly appreciate you and the work being done to help others.Thanks again.

Pamela Owen

I forgot to mention that I’m still in my home! AND I’m having fun!

Mike Nicholson

I think Fraud Stoppers is awesome. What you guys do is to help others save their homes from foreclosure.

John C

FRAUD STOPPERS helped me stop my foreclosure and get a huge principal reduction on my mortgage.

Elizabeth Smith

I just wanted to say thank you to FRAUD STOPPERS for helping me get a $35,000 keys for cash settlement.  So YES, I would absolutely refer FRAUD STOPPERS to anyone looking for help with a foreclosure issue, because they didn’t make any false promises to me, and they did exactly what they said they would do.

Stephanie Johnson

Thanks FRAUD STOPPERS for helping me sue for mortgage fraud at the last minute. I stopped my foreclosure and I am currently negotiating with my lender for a principal reduction. And it looks like they’re gonna forgive all of my late payments, over $28,000!

Terrance Matthews

I filed FRAUD STOPPERS quiet title lawsuit and Wells Fargo stopped the foreclosure sale faster than Trump fired the FBI director. I’m telling you guys I anit never seen anything like this before. FRAUD STOPPERS I owe you guys big time. Thank you.

Matt Pacht

I wanted to say thank you to FRAUD STOPPERS for helping me save my house from foreclosure and get a super awesome loan modification. In fact Ocwen agreed to forgave almost all of my late payments. So thanks FRAUD STOPPERS. You guys are great!

Cindy W

I live just outside Austin Texas. I just wanted to take a second and say thank you to FRAUD STOPPERS. I filed FRAUD STOPPERS wrongful foreclosure lawsuit after Bank of New York Mellon sold my house, and 9 months later I’m still here. Thanks FRAUD STOPPERS

Monica and Kevin

Listen if you need help with your mortgage we recommend FRAUD STOPPERS because we got the help we needed for free!

Steve Labady

My neighbor referred me to FRAUD STOPPERS, and within a few minutes on the phone I knew I found the right place to help me with my foreclosure. They connected me to a local law firm that filed a federal lawsuit against Bank of American for me, on contingency.

That lawsuit is still ongoing, but I can tell you that the help I got was worth way more than the $100 membership fee I paid. So if you’re looking for a trustworthy company to help you save your home from foreclosure, I highly recommend FRAUD STOPPERS.

Roger Hader

I called FRAUD STOPPERS to help me save my house from foreclosure. But unfortunately I called them too late. Hey but at least they scam me out of money like the mortgage fraud examination company I paid $2500 to.

Thanks FRAUD STOPPERS for telling me the truth. At least you guys tried, and that’s all I could ask for. If I find anybody I’ll send them your way.

Robert Claflin

I’m here to tell you that FRAUD STOPPERS helped me save my house from foreclosure without having to spend an arm and a leg for an attorney. They provided me with a court ready lawsuit, all of the evidence I needed, and full litigation support. I was able to sue my lender for mortgage fraud and negotiate a settlement offer that was better than I had ever hoped for.

In fact the entire process was a lot easier than I expected too. They even took care of the entire mediation process for me.So bottom line, if you need help with a mortgage or foreclosure issue call FRAUD STOPPERS right now because I’m sure you’ll be as happy and satisfied as I am. Thanks FRAUD STOPPERS for helping me save my home.

Tiffany Rogers

I just wanted to let you know that I used FRAUD STOPPERS to stop my foreclosure. Thanks FRAUD STOPPERS. You guys ROCK!

Angela and Tony

We want to let you know that we used FRAUD STOPPERS to save home from foreclosure. If you’re fighting a foreclosure we recommend FRAUD STOPPERS because they’re honest, and they know how to stop a foreclosure and bring the bank to the negotiating table.

Victor Seabrooks

Well guys here we are 14 months later and I just left the court where Wells Fargo foreclosure case was dismissed with Prejudice. That’s right with Prejudice! Can you believe it. Now all we have to do is sue for quiet title and I’m home free.

Roberto Vigil

I got nervous there for a while not knowing if you guys were real, now I am certain you are, I just want to say I am greatful for your specialty and the work you have provided to me. I am grateful to you and to John, I now feel relieved as I was trying to find for a long time. Wish I had connected with you sooner. But I look forward to using your products and working with you guys going forward. Thanks again.

Liz Marks

I applied for a loan modification 8 different times and each time I was denied. I paid several companies and lawyers and none of them had any luck getting my loan mod approved.

This last time there was a foreclosure sales date set one of my patients referred me to FRAUD STOPPERS. To be honest I had already lost hope and was going to just give up, but Mary told me I got nothing to lose to call them. Thank you FRAUD STOPPERS you guys did the impossible. I owe you one.

Susan Holtz

FRAUD STOPPERS helped me in my foreclosure fight with SPS. They gave me the legal documents to stop the foreclosure sale, and they negotiated a principal reduction of my loan of more than $50,000. I would recommend FRAUD STOPPERS to anyone. Cheers!

Edgar T

Thank you for all the help. I just got everything in order ready to file last night. I’m going to go over everything one more time today thoroughly to make sure I did everything 100% correctly so I can file this evening.  I will also call Nathan today to get more information on using him. I’m very excited to get this filed. I will definitely keep you updated on my progress. Thank you.

Dorine Javier

Forgive me this a very trying time for me an my family. Im unclear on the eviction timeline, but Thank You an the Team . Im forever humble an GRATEFUL. I look forward to making referrals. Im so excited about being able to help, my family an a few FRIENDS. Once again Thank You and God Bless you an the TEAM. Sincerely Dorine Javier

Andrea Genrette

I am very grateful for FRAUD STOPPERS.

Mike Pop, Phoenix AZ

Well, is over now. I lost the house I filled 2 times with the COURT HOUSE.

First time I filled for restraining order and I was denied without getting to see the judge.

The second time I never got an answer. I must done something wrong by filling. Too bad I could not find an attorney in Phoenix to help me.

Anyway, as far FRAUD STOPPERS PMA’ services, 2 tombs up. Regardless, I will strongly recommend your services to any one I will find in need.

Frank, and all your team, THANK YOU.

Respectfully, Mike POP.

“To err is human, and I’m a human too”. Life moves on, and so will I.


Thank you, we contacted Usbank Headquarters and they stopped the Auction of our Home and property yesterday and are doing an Investigation on the whole matter. We also contacted the FBI ,FEDERAL TRADE COMMISSION, & Legal Aid finally got back in touch with us & they said they we’re probably going to take our case. Thank y’all again & GOD BE 4 Y’ALL ALWAYS…CHARLES &


Janet West

Good Afternoon, It is raining, flooding, and awful here in South Carolina. How is the weather there? The purpose for this email is; I have exhausted all credit in order to eat, have lights, food, water, gasoline, insurance, filing papers with SC Courts, and of course to my creditors.

Is there an attorney that you can contact on/for my family’s behalf, and seek representation for civil litigation, of SC Rules 22, 23, 37 and 14 most importantly Fraudulent, Criminal activities by others regarding our home, monetary loses, credit reports, etc?

There is no attorney in my state that will represent us, even though, I have spent five years in litigation. Need someone out of state that can practice law in my state.

We can negotiate attorney’s cost, and there is no doubt we will lose our case. As possibility contingency? Notice rules related to banks, lawyers, judicial procedure and emails as legal communications of The SC General Assembly’s, I believe the 122nd and 123rd. Or send me an invoice and I can see if one of my creditors will assist with addition credit.

Again, without your support, I would have given up a long time ago. and I truly thank you for your humanity. Problem is out of hand and I have an advocate, as or you. We are on a mission, and again, “I feel so humbled and blessed to have you as a friend in my life!”

Janet West, Aiken SC

A Senior’s Guide to Making the Most of COVID-Related Life Changes

A Senior's Guide to Making the Most of COVID-Related Life Changes By Bob Shannon The COVID-19 pandemic has changed everyday life. Senior citizens have been especially impacted due to the fact that they are a high-risk group, not to mention the constant threat of fraudsters capitalizing on the crisis.   However, the increased time at home may have left you feeling isolated, or struggling with daily tasks like grocery shopping. If this applies to you, read on for ideas from Fraud Stoppers...

Foreclosure Mortgage Fraud Daily update ⋅ October 19, 2021

        Foreclosure Daily update ⋅ October 19, 2021     NEWS         Democrats Gopal, Houghtaling, and Downey Highlight Record of Protecting Tenants, Homeowners ... Insider NJ ... legislation that enacted a moratorium on foreclosures and evictions. ... end of 2021 after the foreclosure and eviction moratorium was lifted.     Flag as irrelevant         Message from the CEO: Moving Business Forward - Boca Raton's Most Reliable News Source Boca Raton Tribune ... and will assist City residents...

How to Be a Friend to Seniors in Your Community

How to Be a Friend to Seniors in Your Community By Bob Shannon If you’re looking for some great ways to befriend and care for aging adults in your community, this guide is for you. Fraud Stoppers has compiled a list of resources with info on helping older adults, whether you’re hoping to volunteer with local organizations or offer private transportation and yard work services to seniors in your neighborhood. To explore some of the things you can do to be a good friend to seniors near you, read...

Good Foreclosure Defense

If you're looking for a Good Foreclosure Defense we think you should countersue for fraud; because its usually easier and more effective to win a fight, if you're the one attacking your opponent with overwhelming force! If you agree and want a 100% completely turnkey mortgage fraud or foreclosure fraud litigation package click the button at the bottom of this page! If you are defending a foreclosure one tactic or argument to consider is explained in this recent blog posting by attorney...

Holder of Mortgage vs Holder of Note and Yvanova vs Ibanez

If a “Holder” Can Enforce a Promissory Note, Why Can’t He Enforce a Mortgage? by Neil Garfield If the claimant is only a holder it is highly probable that he is neither a holder in due course nor a true lender or creditor. If it was otherwise, he would say so. And only a party who has paid value for the underlying obligation may enforce a mortgage. (Article 9 §203 UCC, adopted verbatim in all U.S. jurisdictions). A true creditor would ordinarily say in judicial states that it is suffering...

Governor Criminal Complaint

 In the Name of and under the Authority of the State of Texas I, Randall Kelton, have reason to believe and do believe that Gregory Abbott, hereinafter referred to as “Defendant”, while acting, or purporting to act, under the color (pretense) of an official capacity exerted an authority the beyond the scope of the authority of his office and, in the process denied Complainant and others similarly situated in the full and free access to and/or enjoyment of rights secured by the Constitution and...

Deuteronomy: Securitization for those who read scripture

Deuteronomy: Securitization for those who read scripture by Neil Garfield It seems like from the beginning of time most people understood that there was something intrinsically wrong with borrowing and lending, especially if it extended for more than seven years. There is complete agreement on that in both the Old Testament and the New Testament. It is obvious that writers from thousands of years ago were concerned about the enslavement of people through the use of debt. The point was to give...

Supreme Court Lifts Federal Eviction Moratorium

Supreme Court Lifts Federal Eviction Moratorium The US Supreme Court on Thursday ruled to end the federal eviction moratorium, noting that any continuation of the program must be specifically authorized by Congress. “If a federally imposed eviction moratorium is to continue, Congress must specifically authorize it. The application to vacate stay presented to The Chief Justice and by him referred to the Court is granted,” the ruling reads. “It is up to Congress, not the CDC, to decide whether...

Foreclosure Daily News Update ⋅ August 15, 2021

State, city leaders help Bridgeport senior citizen facing foreclosure find options for relief   State and city leaders stepped into help a Bridgeport senior citizen facing foreclosure of her home find options.   When Lenora Bromfield came to the U.S. from Jamaica in search of a better life, she says one of her biggest aspirations was to achieve the...

Deutsche National Trust Company Dies in NY!

Deutsche National Trust Company Dies in NY!   Very promising development in a recent judicial foreclosure case out of New York State. A principal issue in the case was whether the foreclosing party (mortgagee, the typical designate in a judicial foreclosure state) possessed the subject note before commencing the foreclosure process, and whether it had complied with serving statutorily required notices prior to initiating the foreclosure process. The lower court allowed Deutsche Bank...

How to Kill Zombie Foreclosures

How to Beat Zombie Foreclosures   Zombie foreclosures are like any other foreclosures: Challenge it in timely fashion and you are likely to be successful by Neil Garfield The problem with zombie foreclosures is not what you think, at least not entirely. You probably sum up the problem as the banks need to foreclose so they can't least write off the debt. They then abandon the properties if the economic analysis shows that there is a net loss if they take over maintenance, taxes etc. This...

Foreclosure and Eviction

  He Who Has the Gold Makes the Rules: Thousands of Foreclosure and Eviction Cases Lacking in Jurisdiction and/or Merit by Neil Garfield ...homeowners would do well to consider the possibility that they don't deserve to be dunned in collection or foreclosure because they are only the victims of a perverse scheme that gives them money to sign papers and then punishes them for having done so I take the position that if the investment banks want to make millions for each $100,000 in presumed...

COVID Mortgage Moratoriums Ended July 31

COVID Mortgage Moratoriums Ended July 31 There is nothing wrong with homeowners winning these cases. Nobody is getting hurt when homeowners win. But everyone gets hurt when the investment banks win using hidden intermediaries and sham conduits to profit off the misery of homeowners. virtually none of the information put out by the government, private businesses or banks is correct. None of them have any right, title or interest in homeowner payments, homeowner debts, or notes or mortgages...

Foreclosure Defense For Dummies 

Foreclosure Defense For Dummies  Challenge Everything, Challenge Standing. Challenge Capacity. Challenge Agency. Challenge the amount of debt owed, who owes it, who gets it, where, when, why, ext. Challenge the mortgage loan documents, assignments, ext. And last but not least, counter-sue!  Sue for everything and the kitchen sink...    Foreclosure Defense in a Nutshell by Neil Garfield The goal of the foreclosure defense strategy is to undermine the ability of the foreclosrue mill to put...

Is Your Mortgage Payment Actually Paying Down Your Mortgage?

Is Your Mortgage Payment Actually Paying Down Your Mortgage?   Tracking The Presumed Payment of Value for the Underlying Debt by Neil Garfield One of the biggest lies in documents related to transactions with homeowners is "for value received." In most cases no such "value" was paid or received by either of the parties to that document. Paper checks have become a thing of the past. We have been too quick to assume they are not necessary --- like paper ballots. But without corroborating...

Holder in Due Course Foreclosure Defense Argument

Holder in Due Course Foreclosure Defense Argument   Foreclosure Defense: Holder in Due Course Argument Refined. It’s no magic bullet but it can be used effectively by Neil Garfield You should be careful about any argument based on the holder in due course. It is true that in order to enforce any rights under a security instrument, lien or mortgage the claimant must have paid value for the underlying obligation assuming the obligation still exists. But there are other elements required to...

Hidden Equity in Securitized Mortgages 

Hidden Equity in Securitized Mortgages  It comes as no surprise to learn that the investment banks have been hiding things from us for decades, since 1983 when the era of securitization of debt came into existence. Back then the nominal value of derivates on the autocratically controlled trading posts for derivatives was ZERO. They didn't exist. The main purpose was concealed from both homeowners and the purchasers of certificates issued by the investment bank. The point of the entire plan was...

Sundquist v. Bank of America Case No. 10-35624-B-13J

Sundquist v. Bank of America Case No. 10-35624-B-13J UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF CALIFORNIA  2018  January  Sundquist v. Bank of America., N.A. (In re Sundquist) DOWNLOAD CASE PDF BK-CA-Sundquist-vs-BofA-opinion-45-million-damage-award   DOCKET NO. Case No. 10-35624   ATTORNEY(S) James I. Stang, Kenneth H. Brown, Pachulski Stang Ziehl & Jones LLP, Los Angeles, California; Estela Pino, Sacramento, California, for Plaintiffs. Jonathan R. Doolittle, Brian...

Mortgage Fraud & Foreclosure Fraud Daily News update ⋅ July 21, 2021

Bank of America Liable for $45,000,000.00 in Punitive Damages for Mortgage & Foreclosure Fraud. Download and read lawsuit here. BK-CA-Sundquist-vs-BofA-opinion-45-million-damage-award It's wroth reading the entire case! Foreclosure Fraud Daily News update ⋅ July 21, 2021   Maine, US home foreclosure rates at all-time low, but could soon change Mainebiz The number of U.S. properties with foreclosure listing — 65,000 default notices, scheduled auctions or bank repossessions — was down 61%...

How to Use Discovery to Win Your Foreclosure Case or Mortgage Fraud Lawsuit 

How to Use Discovery to Win Your Foreclosure Case or Mortgage Fraud Lawsuit    Download Free Discovery Package Here   If you want to pursue discovery, you have to follow the rules. The right to demand and enforce discovery does not exist in a vacuum. There are specific rules that provide for specific periods of time in which discovery can be pursued. Think about what you are demanding. the more vague and ambiguous you are, the less effective will be your pursuit of discovery and...

How Wall Street Profits from Illegal Foreclosures

How Wall Street Profits from Illegal Foreclosures   Homeowners: Where is the OUTRAGE? by Neil Garfield Homeowners have been brainwashed into thinking that there was never anything wrong with their "loan" transction at the beginning, in the middle or in the end when they lose their house. So the collective homeowner action requried to break the grip of Wall Street never materializes. In this article I reveal what you are missing. The benefit of refinancing for Wall Street is simple. They...

NEW Federal Court Ruling Effects Foreclosure Defense: No concrete harm, no standing

NEW Federal Court Ruling Effects Foreclosure Defense: No concrete harm, no standing   TransUnion LLC v. Ramirez, No. 20-297: SCOTUS RULES ONLY CONCRETE INJURY GIVES STANDING by Neil Garfield This new case was decided by the United States Supreme Court about 3 weeks ago. It is extremely interesting on many levels. Basically the court was trying to shoot down the standing of consumers who were wronged by illicit behavior by the credit bureaus. And the court succeeded as it always does...

The problem with securitization foreclosure defense

Foreclosure Defense: The problem with explaining securitization by Neil Garfield Winston Chuchill was fond of saying that we should walk our dog three times per day regardless of whether or not we had a dog. Some readers will remember that pursuant to that sage advice there appeared leashes in the marketplace that were rigid so as to simulate the appearance of walking an invisible dog. The dog though was not invisible. It obviously did not exist. The problem with explaining securitization of...

The difference between forensic and legal analysis

The difference between forensic and legal analysis by Neil Garfield You need both. One identifies the factual issues that are inconsistent with the claim against the homeowner. The other identifies the legal issues asserted by the foreclosure mill that are not supported by fact and the procedural issues and hurdles you must jump over to mount a successful defense. The obvious problem is that homeowners do not know where to turn when presented with a claim for administration, collection or...

Wrong Foreclosure Defense

Interesting SCOTUS Decision May Prevent Removal of Certain Lawsuits to Federal Court Where They Normally Die by Neil Garfield The full impact of this decision may not be known for years. But the immediate impact is that it gives homeowners a chance to move for remand back down to state court after attempted removal to Federal Court. Unless clarified later, which does not seem likely, this decision could mean that the Supreme Court of the United States says that Federal Courts have no...

Here is what is really wrong with foreclosure process

Here is what is really wrong with foreclosure process by Neil Garfield While I agree that in most cases there was no substantive transaction with homeowners or that the transaction was not correctly identified as to its components, I do not agree that there are no mortgages or notes. They plainly exist and even if they are not supported by consideration or are otherwise procured by fraud, duress or other illegal means, they still exist. As long as they comply with requirements for facial...

Mortgage Securitization Foreclosure Defense

Securitization Refined For Defense of Foreclosure by Neil Garfield Homeowners attempt to "disprove" the presumed facts by raising questions. But the questions are directed to the judge instead of to their predator. The judge has no obligation to answer such questions and in the absence of some procedural reason raised by the homeowner will and must decide in favor of the fraudster because the victim failed to properly defend. I think that I have not made securitization, as practiced, clear...

Vanishing Mortgage Debt

Why knowledge of accounting is important to understand how the apparent debt vanishes in the context of securitization. by Neil Garfield The big change occurred when the Wall Street securities firms forced securitization practices over the line. Whereas the purpose of securitization had always been to reduce risk, the investment banks meant to eliminate it. The only way you can eliminate the financial loss from a failed asset is if you don't own it. That is basic accounting, basic law and...

Reminder Committee in Support of 6021 & General Committee meeting this Saturday, June 12 2021- 10am PST

Reminder Committee in Support of 6021 & General Committee meeting this Saturday, June 12 2021- 10am PST is fine and is firewalls up the yang, every time it is attacked, the backup auto reinstalls.    Here is a memorandum for the upcoming mortgage foreclosure holding a prefix of what is going on, holding a federal question (pertaining to MERS) Memorandum copy   There is a prefix to explain the violations that bypassed the constitution and is meant t be...

Banks Lawyers Are Lying to You and The Courts

How the Lawyers for the Banks Lie to You and the Courts by Neil Garfield documents that pledged, sold, transferred anything relating to transactions with homeowners were regularly fabricated with false information and then used in subsequent documents as though there was actual trading going on. But there wasn't. And there isn't. And that is why the opposition in foreclosures can never give a straight answer to questions about any presumed transaction in which value was paid for the document...

How to Use Hearsay Evidence to Win a Foreclosure Case 

How to Use Hearsay Evidence to Win a Foreclosure Case  Below is some information on how to use Hearsay Evidence to win a foreclosure lawsuit or quiet title lawsuit, or mortgage fraud lawsuit.... Learn more about how to win a lawsuit at   Why the Ban on Hearsay Evidence Is So Damn Important in Foreclosures by Neil Garfield What is hearsay evidence? The old Rules on Evidence did not define hearsay. Evidence is hearsay if the probative value is not based on the...

Mortgage Fraud & Foreclosure Daily News Update ⋅ May 24, 2021

        Mortgage Fraud Daily News Update ⋅ May 24, 2021           Two Connecticut men arrested for multifamily mortgage scam Mortgage Professional America Two Connecticut men were arrested last week for their alleged role in a multifamily mortgage fraud scheme. Jacob Deutsch, 56, of Brooklyn, NY, and ...           SmartSearch urges agents to 'ditch documents' to be compliant Mortgage Introducer But also, we're seeing reports of serious spikes in fraud in the rental sector, where criminals are...

Stop Using the Word Servicer

Stop Using the Word “Servicer” by Neil Garfield The courts will always at least initially consider the points that you are raising to be technical attempts to escape liability for a legal debt. You need to reframe the situation. And the way that is done is by changing the case from "Bank vs Homeowner" to "Judge vs foreclosure mill", for failing to comply with the rules, and court orders enforcing those rules. I have come to the conclusion that there is a problem in accepting the label of...

Mr. Cooper Group Inc. and Google Cloud have joined forces to create a digital mortgage servicing platform

Mr. Cooper Group Inc. and Google Cloud have joined forces to create a digital mortgage servicing platform I wonder if Google understands that they just signed up for assistance with preparation of fraudulent documentation by Neil Garfield see Mr. Cooper Group Inc. and Google Cloud have joined forces to create a digital mortgage servicing platform, powered by artificial intelligence (AI), machine learning...

Mortgage Fraud & Foreclosure Defense Daily News Update ⋅ May 19, 2021

        Mortgage Fraud & Foreclosure Defense Daily News Update ⋅ May 19, 2021           13 Key Actions Before Buying A Foreclosure Forbes Here, 12 experts from Forbes Real Estate Council offer their insight into what actions real estate professionals should do before purchasing a foreclosed ...           Oregon Senate votes to reinstate foreclosure moratorium Statesman Journal A bill that would reinstate Oregon's moratorium on foreclosures for those experiencing financial hardship during...

Suing Financial Institutions and Getting Paid $Billions

Suing Financial Institutions and Getting Paid $Billions   1MDB in Kuala Lampur Sets the Standard for Suing Financial Institutions and Getting Paid $Billions by Neil Garfield Without the legal presumptions arising from fake documents, they have nothing. see  Among the countries that refused to go along with the bullshit from Wall Street is Malaysia....

Mortgage Fraud & Foreclosure News Daily Update ⋅ May 14, 2021

        Foreclosure News Daily Update ⋅ May 14, 2021           Virginia Amends Foreclosure Sale Provisions Related to Rental Agreements JD Supra HB 2229 provides that if a single-family residential dwelling unit is foreclosed upon and there is a tenant in such dwelling unit on the date of the ...           Report: Foreclosures continue decline as moratorium hits one-year mark The Title Report “Given that, it's a little surprising to see foreclosures drop by another 24 percent compared to last...

The Big Trap Door for Foreclosure Defense Litigants and Lawyers: Damnum Absque Injuria

The Big Trap Door for Foreclosure Defense Litigants and Lawyers: Damnum Absque Injuria by Neil Garfield In the introduction of pleadings or memorandums of law, I often read that tens of millions of mortgage loans were sold into the secondary market. It might look like that, but nothing could be further from the truth. I think the big trapdoor can be found in such pleadings and memoranda --- this is how we end up admitting something that if true would make all errors in foreclosures damnum...

Mortgage Loan Servicers Profit  From Foreclosures

Mortgage Loan Servicers Profit  From Foreclosures  “Servicers” Post Losses: Why? Because most of their revenue and profit comes from foreclosures not servicing by Neil Garfield If servicers were actually collecting money and dispersing money they would not be reporting heavy losses. The truth is that they don't collect any money and they don't make any disbursements to "investors." That is why they can't answer questions about collection or disbursements. They are not servicers as we think of...

Mortgage Fraud & Foreclosure Daily News Update ⋅ May 7, 2021

        Mortgage Fraud Daily News Update ⋅ May 7, 2021           12 arrested in California for alleged mortgage 'conspiracy ring' National Mortgage News The indictment accuses the defendants of conspiring in grand theft, identity theft, forgery, filing false documents, money laundering and aggravated ...           LAPD Announces Arrests for a $15 Million Mortgage Fraud and Green Loan Scheme in Southern ... Random Lengths ... 12 individuals on 133 felony counts for allegedly operating a...


Keep Your House: Understanding the lies about the FDIC. by Neil Garfield A mistake is not the less so, and will never grow into a truth, because we have believed it a long time, though perhaps it be the harder to part with; and an error is not the less dangerous, nor the less contrary to truth, because it is cried up and had in veneration by any party."—Locke, in King's Life of him, second edition. Vol. I. p. 188, 192. I receive lots of inquiries about foreclosures where the FDIC is involved...

Facts about bad mortgage loans and how significant a risk is mortgage lenders and mortgage loan servicers noncompliance with consumer protection laws?

Facts about bad mortgage loans and how significant a risk is mortgage lenders and mortgage loan servicers noncompliance with consumer protection laws? If you are facing foreclosure or you are struggling with a fraudulent mortgage loan and you want to find evidence of mortgage fraud that you may be able to use to your advantage consider getting a FRAUD STOPPERS Bloomberg Securitization Audit because a Bloomberg Securitization Audit can give you and your attorney the evidence you need to sue for...


Securitization is Hybrid of Supply Chain Finance: The Key word is CHAIN First, let me say that there is nothing wrong with supply chain finance. In one form or another, it has been used for thousands of years. The same can be said for securitization --- if that is what is really happening. Second I have been getting quite a lot of questions about my articles and one of the more common questions can be paraphrased as "So where does the money come from?" I want to re-emphasize that while it...

the Mortgage Follow the Note

Does the Mortgage Follow the Note or Vica Versa? by Neil Garfield The key to all successful foreclosure defense strategies is to test the facts instead of assuming you know. Most people have their eyes glaze over as soon as you start talking about this. Does the mortgage follow the note or does the note follow the mortgage? The real question in the minds of nearly every layperson, lawyer, and judge is "who cares?" But because everyone wants to seem as though they are informed and nobody wants...

Signatures Without People: Fake Loan Documents

Fake Loan Documents Signatures Without People: Don’t Believe the Documents: They Are Not real. by Neil Garfield Be aware that in many cases no human hand has ever touched the documents. Nobody signed it.Securitization was always intended to extinguish the debt without barring the ability to enforce it. This legal impossiblity has been treated as "law" for nearly 25 years. This is increasingly true as human forgers and robosigners are no longer necessary due to technology advances and the...

Mortgage Fraud Foreclosure Fraud Audits Daily News Update ⋅ April 30, 2021

        Mortgage Fraud Foreclosure Fraud Audits Daily News Update ⋅ April 30, 2021           Jury begins deliberations in Hild's trial for fraud charges over bond pricing RichmondBizSense Jury deliberations in the embattled local mortgage executive's criminal fraud trial in Manhattan federal court begin today. The founder and former CEO ...     Flag as irrelevant     Alderman Patrick Daley Thompson Indicted On Federal Tax Fraud Charges Block Club Chicago Thompson is also accused of filing five...

Research Trust Law in Your State

Research Trust Law in Your State: Trust officer must sign, not agent or servicer. by Neil Garfield It's nice to be in the position where people do research and send it to me. It seems that Florida Statutes explicitly prohibit anyone other than an authorized trust officer who works for the alleged trustee to sign any oath, affirmation or certification. That means that no agent claiming powers from the trustee can do so. The trustees is already an agent --- and by statute the only agent --- who...

Foreclosure News Daily Update ⋅ April 29, 2021

        Foreclosure News Daily Update ⋅ April 29, 2021           New York's Highest Court Eliminates A Spurious Issue In Foreclosure Litigation Forbes Sometimes a lender accelerates the loan and then doesn't pursue foreclosure, instead sitting on its hands and doing nothing. If that continues for six ...           Maryland extends moratorium on new residential foreclosures Baltimore Sun Maryland is extending the moratorium on new residential foreclosures through June 30. The Maryland...

Mortgage Fraud Daily News Update ⋅ April 27, 2021

Banks Make Fake Threats About “True Lender” Language in Illinois Law by Neil Garfield This is a lot like 2008. But then the banks threatened to pull the plug on all trading platforms for bonds and other securities. They manage to convince a large number of decision-makers in the nation's capital and in State capitals around the country that if securitization "infrastructures" were compromised, the entire financial system would collapse thus bringing the entire economy to a halt and the end of...

Mortgage Fraud and Foreclosure Daily News update ⋅ April 26, 2021

        Mortgage Fraud Daily News update ⋅ April 26, 2021           Hild trial week 2 recap: CFO grilled over details of bond fraud scheme RichmondBizSense Hild, founder and former CEO of Chesterfield-based mortgage company Live Well Financial, is charged with securities fraud, mail fraud and bank ...           Clearwater, FL Good morning Clearwater, We are new to the area straight from S.C.. I own and operate a small handyman company called Honey do list done.           Five...


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