How to Analyze A Purported Assignment of Mortgage or Promissory Note by Neil Garfield   The execution of any document does not by itself create a legal event. First, the document is only valid if it memorializes an actual event.  ...

Gary Dubin, Esq. Scores Another Foreclosure Victory for Homeowners in Hawaii in Notorious LSF9 Case New post on Livinglies's Weblog by Neil Garfield More kudos to Gary Dubin who keeps producing favorable decisions for homeowners. This ruling is...

How to Challenge the Alleged Sale of your Mortgage Loan Debt to a Third-Party Debt Collector to Fight Foreclosure using the Uniform Commercial Code (UCC)   Under the laws of all states that adopted Article 9 §203 of the Uniform Commercial...

Mortgage Loan Default is NOT a Real Default Unless Someone Owns Your Debt and Can Prove Financial Loss It’s Not a Default If You Stop Paying — Unless Someone owns Your Debt and Can Prove Financial Loss by Neil Garfield posted 07/27/2020 NOTE:...

BBB Scam Alert: Foreclosure Rescue Scams By Better Business Bureau. July 16, 2020. Are you facing the threat of losing your home? Be wary of individuals and companies offering to "help" you out of your difficult financial situation. Consumer advocates report an...

FRAUD STOPPERS PMA is the #1 Company for Hybrid Legal Services. Stop foreclosure. Save Your Home. Sue the Bank. Sue for quiet title or wrongful foreclosure. Loan modifications, short sales, bankruptcy, credit repair, Bloomberg Mortgage Fraud Securitization Audits,...

Foreclosures on the rise but mortgage lenders still not helping homeowners   How Banks Can Avoid a Repeat of the 2008 Foreclosure Crisis by Michael Olenick July 09, 2020 U.S. homeowners are struggling to stay on top of their mortgages — and the problem is likely...

1. When can I start foreclosure under these 4 scenarios:A. No Act 91 or Act 6 notice has yet been sent. Do I wait until Sept. 1 to send it?Yes, and, even if a notice is sent prior and the debtor rceived it, it will be deemed to have been sent Sept. 1,...

Rockingham Equity, PMA NO ONE HAS SAVED MORE HOMES THAN WE HAVE, EXCEPT FOR FRAUD STOPPERS PMA   Rockingham Equity PMA used to fly by night under the name Holms & Galt... After nearing getting their asses thrown in jail and shut down...

MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD Lynn Szymoniak, Esq., Editor, Fraud Digest, szymoniak@mac.com In the past ten years, hundreds of thousands of residential mortgages were bundled together (often in groups of about 5,000 mortgages), and...

Former Mortgage Company President Ronald J. McCord Indicted in multimillion-Dollar Fannie Mae Mortgage Fraud A former mortgage company president has been charged with 24 counts of financial fraud in a multimillion-dollar mortgage swindle, according to the...

According to Neil Garfield Lawyers Lose Foreclosure Lawsuits.... This will probably get me in plenty of hot water with lawyers. Homeowners should be winning foreclosures most of the time. The reason they don’t? — Ineffective Counsel. Posted on April 24, 2020 by Neil...

Carrington Forced to Pay Garland Texas Woman $755,000 in Foreclosure Fraud Lawsuit Jury awards Garland woman $755,000 in lawsuit alleging foreclosure fraudAuthor: Teresa WoodardShe purchased her home in 2001, and paid on it for 14 years, but began to fall...

Illegal Foreclosures Amid COVID-19 Foreclosure and Eviction Moratoriums Although several State Governors have issued temporary moratoriums on foreclosures and evictions, banks and loan servicers are still committing illegal foreclosures and...

The Time to Act is Right Now. You Can Benefit from the Current Coronavirus Outbreak Eliminate Your Mortgage using Current Federal Law!   The timing has never been better to stop foreclosure and put your mortgage lender or loan servicer in default and...

Deutsche Bank National Trust Company Does NOT Legally Exist as Trustee for Borrower Loans Deutsche Bank National Trust Company Legally Exists as a Company, But Not as Trustee for Borrower Loans Posted on March 10, 2020 by Neil Garfield Several...

Quiet Title is Not as Easy as It Sounds, But It Could Lead to Successful Strategies and Tactics Posted on February 18, 2020 by Neil Garfield The failures to disclose material facts providing the real context of the “loans” deprived borrowers of...

Has Your Fannie Mae Mortgage Been Sold to Private Investors?    You can get a trial ready Chain of Title Investigation and Expert Witness Affidavit to prove who the real holder of the note is, and is not, by clicking here   Quoting Neil Garfield:...

JOIN FRAUD STOPPERS PMA TODAY AND GET A FREE FEDERAL FDCPA LAWSUIT and SAVE YOUR HOME FROM FORECLOSURE.... For details click here   FDCPA Claims Might Not Be Barred By Statute of Limitations by Neil Garfield Here is a powerful argument...

Mortgage Loan Servicers Tricking Homeowners into Renewing Statue of Limitations on Mortgage Debts to Illegal Foreclose on Homes   Collection Letters Can Renew Statute of Limitations by Neil Garfield The courts had previously protected...

Banks are using “settlement” as a means to fill title gaps. Don’t fall for it. Posted on December 18, 2019 by Neil Garfield So what the bank lawyers are trying to do is put us to sleep with the legalese wording and essentially appear to be...

Monette Saccameno v. U.S. Bank N.A., trustee and Ocwen Loan Servicing LLC 7th Circuit Affirms $582,000 Punitive Damages Against Ocwen Posted on December 3, 2019 by Neil Garfield “We are not sure how many human errors a company like Ocwen gets...

How Borrowers Could Make Money from Mortgages and Foreclosures Originally posted by: Neil Garfield   Take a step back and then look at this situation from a wider perspective.   Understand that the real deal was the...

How to Use The Burden of Proof in TILA Rescission to Save Your House from Foreclosure    Originally posted by Neil Garfield      Another analysis just completed for a client: The situation is that the homeowner sent a notice of rescission under...

AURORA LOAN SERVICING ADMITS TO FABRICATING ALLONGES / INDORSEMENT PAGES TO ILLEGAL FORECLOSE ON HOMES   Originally posted by Neil Garfield https://livinglies.me/2019/09/24/about-that-original-note/ Edward Hyne, Nationstar’s Rule 30(b)(6)...

Why You Should Always Challenge Loan Servicer's Standing to Foreclose   Don’t Admit Anything About the Servicers Either — It’s All a Lie Another Great Post by the King of Foreclosure Defense Neil Garfield   Homeowners often challenged...

Improperly Named Trustee on Deed of Trust Can be Liable for Actions on Behalf of Non-BeneficaryOriginally posted by Neil Garfield I have long expressed the belief that the courts had it all wrong when they, along with legislative attempts, decided that...

HOW TO WIN YOUR FORECLOSURE LAWSUIT IF THE BANK STONEWALLS YOU DURING DISCOVERYOriginally posted by Neil GarfieldSo a recent question from an old client mirrored the requests from many lawyers and pro se litiangats about the discovery process. My answer is...

Martin Act Threatens Banks Securitization Scheme Originally reported by Neil Garfield   While most people didn’t notice, all of Wall Street took notice when the New York Governor signed into law a bill that extends the right of the state...

Consent Order Contains Admission of False Affidavits and False Chains of Title Posted on August 26, 2019 by Neil Garfield A lot of student loan debt ends up being claimed by “Trusts” that are exactly like REMIC trusts except they are not about...

FEDERAL JUDGE RULES BORROWERS HAS STANDING TO CHALLENGE ASSIGNMENT AND ALSO AS TO BANK’S FAILURE OF PROOF The entire Opinion, which we have already discussed, is set forth below. Mr. Barnes represents the Gerbers and prepared all of the...

Uniform Commercial Code Article 9 §203 and the Holder in Due Course Regarding the holder in due course and foreclosure defense, according to Neil Garfield he states: I have recently found it helpful to point out the difference between enforcement of a note...

Arkansas Foreclosure Law Firm, Mickel Law Firm, Admits to the Absence of any Mortgagee in Court Documents   Attorney-In-Fact-For-An-Absent-Mortgagee   Why would a lawyer go to court without a client? Answer: Because they are engaged...

Judge grants temporary restraining order against St. Louis County foreclosure mediation law This article first appeared in the St. Louis Beacon, Sept. 27, 2012 - A St. Louis County judge issued a temporary restraining order against St. Louis...

Chase Laundered WAMU Loans Through Offshore Accounts with Fictitious Names Here is what we know: Washington Mutual (WAMU) was in the business of originating loans  not lending money. WAMU sold every originated loan before, during or after loan origination....

California Judge Rules for Borrower in Post-Sale Eviction Proceeding Originally by Neil Garfield   This is the latest of a string of decisions from trial judges who took the time to carefully analyze the law and then facts. In this case...

How to Use Article 9 §203 UCC Requiring Value Be Paid for Debt to Fight Wrongful Foreclosure by Neil Garfield What many lawyers continue to miss is that there is a difference between the laws entitling someone to enforce a note and the laws entitling...

Federal Judge Slams Bayview and Attorneys on Illegal “Modification” Maneuvering Originally posted by Neil Garfield The Lesson here is that the denial of modification presents and important opportunity to challenge the practices, authority and...

Calif. Supreme Court Allows Creditor Holding Senior and Junior Liens to Seek Deficiency Judgment on Sold-Out Second Lien Originally posted by Maurice Wutscher LLP June 26 2019 The Supreme Court of California recently held that the...

McDonough v Smith: U.S. Supreme Court Rules on Suing Banks for Fabrication of Evidence Originally posted by Neil Garfield This decision is extremely important for 2 reasons. 1st, it reaffirms a right under federal law to bring an action for...

Another View: At Wells Fargo, a tone-deaf response to shattered lives Originally posted at https://www.theintell.com/opinion/20190624/another-view-at-wells-fargo-tone-deaf-response-to-shattered-lives The next time you see a commercial declaring a new era...

Illinois Court of Appeals Cracks Code of Silence on Who Pays Foreclosure Mills Posted on June 18, 2019 by Neil Garfield Illinois Court of Appeals Cracks Code of Silence on Who Pays Foreclosure Mills. The wording of the decision strongly...

Veira v PennyMac and JPM Chase 4th DCA Rules PennyMac Lacks Standing to Foreclose  Posted on June 11, 2019 by Neil Garfield VIEIRA-v.-PENNYMAC-CORP-FindLaw Another case showing shifting attitudes toward illegal foreclosures. At the trial level...

Meet the New Boss, U.S. Bank and Black Knight; Same as the Old Boss LPS   Lender Processing Systems (LPS) which owned DOCX the notorious robosigning mill featured in the 60 Minutes episode The Next Housing Shock has changed its name to...

FORENSIC EXAMINATION OF THE REAL PROPERTY RECORDS AND THE CIRCUIT COURT RECORDS OSCEOLA COUNTY, FLORIDA PART 1 OF 2: SECTIONS 1 - 4 FORENSIC_EXAMINATION_OF_THE_REAL_PROPERT The  forensic  examination  of  the  real  property  records  of  Osceola  County, ...

CFPB claims debt collection firm Forster & Garbus robo-sued thousands on behalf of Citibank, Discover, others Move over robo-signing… During the foreclosure crisis, a number of lenders, servicers, law firms, and others engaged in a practice...

BRIEF IN SUPPORT OF VOID JUDGMENTS BRIEF_IN_SUPPORT_OF_VOID_JUDGMENTS Void judgments are those rendered by a court which lacked jurisdiction, either of the subject matter or the parties, Wahl v. Round Valley Bank 38 Ariz. 411, 300 P. 955 (1931); Tube City...

Once a Failed Remic, Never a Remic Available  at: http://works.bepress.com/david_reiss/58 Once a Failed Remic, Never a Remic Bradley T. Borden David J. Reiss This paper can be downloaded without charge from the Social Science Research Network...

Whistle BLOWER from McCARTHY Holthus Admits FAKED Chain of Titles by Deadly ClearWilliam WAGENERPublished on May 3, 2019 "We never had original documents." They were told to create a fake chain of title. "Polly, admits she used to work for McCarthy -...

New Jersey Gov. Phil Murphy Signs Legislative Package to Address New Jersey’s Foreclosure Crisis Gov. Phil Murphy today signed a bipartisan legislative package into law that will help New Jerseyans struggling with the state’s...

The Comptroller of the Currency of the United States of America (OCC) finds that Wells Fargo has been using fake and forged documents to steal homes and sets new requirements for Wells Fargo to continue   OCC_Goes_After_Wells_Fargo UNITED...

New York launches its own CFPB Mortgage Fraud Department   Following through on a pledge made more than a year ago, the New York Department of Financial Services is launching its own version of the Consumer Financial Protection Bureau,...

Jury awards Garland woman $755,000 in Carrington Real Estate Services lawsuit alleging foreclosure fraud  She purchased her home in 2001, and paid on it for 14 years, but began to fall behind in 2015 and the home fell into foreclosure. Days...

U.S. Bank, N.A. as Trustee Facing Sanctions In Miami Originally Posted by Neil Garfield at https://livinglies.me/2019/04/23/u-s-bank-facing-sanctions-in-miami/ “It’s unusual that we’re in this position, but it’s unusual that any bank would dare...

Miami Judge Issues Order to Show Cause Against US Bank for Flouting Discovery Order.  Judge Beatrice Butchko's order floats the possibility of sanctions if the bank fails to produce discovery documents the judge ordered it to release in August...

NY Times: Student Debt Getting Wiped Out by Fraudulent Claims of Securitization Posted by Neil Garfield | July 18, 2017   So here is an example of why you need to send a DVL (Debt Validation Letter). It turns out that mainstream media and the court...

Can I Get Sued Over a Court-Authorized Foreclosure? Monday, April 15, 2019 https://www.natlawreview.com/article/can-i-get-sued-over-court-authorized-foreclosure  If a Clerk of Court authorizes a foreclosure sale and the trustee sells the...

CALIFORNIA 3rd THIRD APPELLATE DISTRICT WRONGFUL FORECLOSURE CASE: You Can Cancel the Assignment, Notice of Default, Notice of Sale and Reverse the Sale. Posted on April 11, 2019 by Neil Garfield   This decision “Not for publication” takes one more step...

The Obduskey Supreme Court Case and using the FDCPA to Stop Foreclosures in Non-Judicial States The Fair Debt Collection Practices Act (FDCPA) regulates the activities of “debt collectors,” but the confusing and convoluted statutory definition...

Supreme Court makes it harder for borrowers to fight foreclosures in non-judicial states   Posted on March 22,...

Citibank to pay $25 million for violating the Fair Housing Act Posted on March 20, 2019 https://justiceleaguetaskforce.wordpress.com/2019/03/20/citibank-to-pay-25-million-for-violating-the-fair-housing-act/ Here we go again… Citibank will pay...

The League of Fraudulently Dispossessed Homeowners has a sealed lawsuit in Federal Court of Claims    It has been assigned a DOJ commercial agent for Civil Justice, and Assistant Attorney General, a Director and an Assistant Director.  After months of back...

GOVERNMENT SHUTDOWN CAUSES A FORECLOSURE — AND COULD CAUSE MORE   Originally posted by David Dayen February 13 2019, 5:30 a.m.   Leong, 83, took out a reverse mortgage on her home in 2004, which gives seniors with equity in their home the opportunity to...

Posted on January 31, 2019 by Neil Garfield So here is an attorney asking the court to vacate a decision in which the homeowner won. The lawyer had already falsely represented the status of Deutsch, the existence of a  trust and any implied transaction by...

Original mortgage documents found on separate exposed server. The massive data breach involving more than 24 million mortgage and banking documents just got much, much worse as an investigation unearthed a separate unprotected server that...

According to new data there is a rise in Texas Foreclosures. Nationwide home foreclosure starts were at a 13-year low in 2018. But in North Texas home foreclosure filings inched up after seven straight years of declines, according to a new report by Attom...

New York City Foreclosure Hotspots Originally Posted on Jan 13, 2019 NEW YORK — Some New York City neighborhoods were hotspots for foreclosures even as they grew less common last year, a recent report shows. The city saw 720 first-time home...

Democrats move to protect federal workers from foreclosure Democratic lawmakers have introduced legislation that would protect federal workers from foreclosures, evictions and loan defaults during a government shutdown. The Federal Employee...

20 Points of TILA Rescission: 9th Circuit Court Allows “Claim” for Rescission Under WA Statute of Limitations Originally posted by Neil Garfield 20180114 See bottom of page to get a FREE TILA Rescission Letter I have distilled the legal points...

Another Wells Fargo Computer Glitch Results in More Wrongful Foreclosures By Chuong Nguyen — Posted on December 4, 2018 - 1:06PM Wells Fargo blamed a computer glitch for the second time this year that resulted in the bank mistakenly foreclosing on hundreds of homes...

Goldman Sachs $5,000,000,000 Securitization Lawsuit Settlement  Discover if your mortgage loan was securitized by Goldman Sachs and therefore eligible to the $1,800,000,000 securitization lawsuit settlement available for Homeowners and Borrowers in the...

The Ripple Effect of Foreclosures A report by Zillow explains how the effects of the Great Recession were not just twofold but deeply profound—and also reveals how the crisis served to benefit those who bought foreclosed homes during that time....

PUBLIC LEGAL EDUCATION: liberty without justice is a joke. As you who have already got the #1 Pro Se Legal Education Course helping everyday people learn how to win in court since 1997 (How to Win in Court) already know, liberty without justice...

Wells Fargo foreclosed on homeowners who  had a chance to keep their homes Wells Fargo & Co. foreclosed on 400 homeowners after improperly denying them loan modifications that could have allowed them to stay in their homes, the bank said in...

Supreme Court’s ‘BFP’ Holding Misapplied In Foreclosure Sale Conducted Under RPTL After Ontario County sought foreclosure under New York’s Real Property Tax Law, appellants ­led Chapter 13 bankruptcy plans to pay arrears. Adversary proceedings...

Default Judgment in Foreclosure Action Vacated as Not Willful; Meritorious Defense Noted Default Judgment in Foreclosure Action Vacated as Not Willful; Meritorious Defense Noted Plaintiff sought foreclosure on a property Freeway Group Inc....

Class Action Lawsuit Claims Ocwen Improperly Foreclosed On Mortgagees (July 25, 2018, 4:50 PM EDT) -- Ocwen Loan Servicing LLC has been filing foreclosure actions against its mortgagees before either applying or refunding unapplied funds on...

Jury awards Garland woman $755,000 in lawsuit alleging foreclosure fraud. She purchased her home in 2001, and paid on it for 14 years, but began to fall behind in 2015 and the home fell into foreclosure. Days after the foreclosure notice went...

Mortgage Fraud Banking Syndicate Challenged in Pennsylvania By Mark Anderson Monetary reformer Mickey Paoletta has cleared a key legal hurdle with the Pennsylvania Supreme Court in his effort to use a “King’s Bench” petition to beat mortgage...

The League of Fraudulently Dispossessed Homeowners Criminal Joinder OMG we really did it. The League of Fraudulently Dispossessed Homeowners is fighting behind the scenes to put an end to the foreclosure madness and corruption plaguing our nation; and we...

Florida Appeals Court Ruled Lenders Can't Claim Rents During Foreclosure By Carolina Bolado Law360 (June 27, 2018, 10:13 PM EDT) -- A Florida appeals court ruled Wednesday that a property owner who was not a party to the original mortgage does not have to...

Are Foreclosure Judges Taking Bribes from Banks to Illegally Foreclose on Homeowners? Investigative journalist Janet Phelan, author of the book Exile and expert on uncovering evidence of financial corruption infesting our courts, exposes how corrupt...

Prove Unlawful Foreclosure Statute Of Limitations and You Could Save Your Home From Foreclosure Orginally posted June 22, 2018 at http://realtybiznews.com/prove-unlawful-foreclosure-statute-of-limitations-and-keep-your-home/98749036/ If a mortgage holder...

88-year-old Grandmother walks 1.2 miles to treasurer's office to save her home from foreclosure  NILES — For several years, Berrien County Treasurer Bret Witkowski has been teaching residents the steps they can take to keep their homes out of...

Paragraph 22, The Notice of Default and Right To Cure: How To Use This Most Overlooked Foreclosure Defense To Defeat Summary Judgment and Win at Trial (Foreclosure Workshop #16: Rebroadcast from July 17, 2016) This important broadcast, first...

Foreclosure Stopped By Due Process &The Rule of Law, Florida Appeals Court Applies and Overturns Another Ditech Foreclosure Lawsuit Fla 4th DCA Slams Door on “another Ditech loan” in foreclosure claims Posted on April 13, 2018 by Neil...