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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 foreclosure...

Limited offer: Take advantage of our 90-day Credit Repair Challenge!   Get your credit issues fixed and the credit score you need---or we'll work for FREE. For a limited time, if you sign up now, we'll give you the best offer we have ever made to anyone who has...

Stopping Foreclosure at the Last Minute: Strategies to Protect Your Home Stopping Foreclosure at the Last Minute: Strategies to Protect Your Home Facing foreclosure is a daunting situation, but there are last-minute measures you can take to halt the process and...

How to Respond to a Notice of Default Now let’s talk about the foreclosure laws as they relate to everybody. If you have received a Notice of Default (NOD) or Notice of Acceleration (NOA), then time is short and you need to do something. And the only thing that...

How seniors can stay safe online with some really good tips and clear explanations Hi To start with, I want to thank you for your article, here: https://fraudstoppers.org/fbi-looks-to-educate-more-on-elder-fraud/ . I found your page while searching for online safety...

How FRAUD STOPPERS Legal Professionals Can Assist Homeowners with Surplus Funds after Foreclosure Foreclosure is a daunting prospect that many homeowners would rather avoid thinking about altogether. Unfortunately, some homeowners may face false foreclosure claims,...

Have You Seen The Con Yet? If not, great news, The Con is now FREE! If you want to learn everything about the mortgage fraud scheme the banks created and our government covered-up, you have to watch The Con. Watch it now for free right now at...

TEXAS FORECLOSURES Foreclosure is a remedy available to lenders when borrowers default on their mortgage payments or breach other contractual obligations, such as failing to pay taxes or keep the property insured. To determine if a default has occurred, the loan...

Demystifying Foreclosure Defense: Exposing the Deception and Empowering Homeowners with FRAUD STOPPERS Facing foreclosure can be an overwhelming experience for homeowners, but understanding the truth behind the process and employing effective defense strategies can...

What Are Your Legal Rights in Foreclosure and How Can FRAUD STOPPERS Help Foreclosure can be a distressing experience for homeowners, but it's crucial to understand your legal rights during this process. This article provides an overview of these rights, summarizing...

How Homeowners Can Stop Foreclosure with Fraud Stoppers Foreclosure is a daunting experience that can shake any homeowner to their core. The thought of losing your home, the place that safeguards your memories and represents a significant portion of your life's work,...

Securing Home ownership: FRAUD STOPPERS' Expertise in Chain of Title Analysis Benefits Borrowers Facing Loan Challenges in Fannie Mae REMIC Trusts Owning a home is often seen as the epitome of the American dream. It provides stability, a sense of belonging, and the...

Efficiently Addressing Federal Court Backlog and Streamlining Justice in the Post-Pandemic Era FRAUD STOPPERS, a leading legal organization specializing in fraud prevention and protection, offers invaluable assistance in tackling the federal court backlog and...

Stop Foreclosure with FRAUD STOPPERS: Expert Mortgage Fraud Defense and Homeowner Empowerment Foreclosure occurs when the owner of a mortgage seizes the property to repay the debt because the borrower has failed to make timely payments. Foreclosure can also be...

Title: Better Business Bureau Warns About Mortgage Scams   Source: WAFB (May 30, 2023)   The Better Business Bureau (BBB) has issued a warning regarding mortgage scams, highlighting the increasing prevalence of fraudulent activities in the mortgage industry....

Unveiling the Path to Victory: How FRAUD STOPPERS Empowers Homeowners in Foreclosure Cases and Quiet Title Lawsuits   In the tumultuous era of the mortgage meltdown, some individuals were well aware of their actions. They sought to achieve their own financial...

Landmark Foreclosure Victory in California Against HSBC "Landmark Foreclosure Defense Victory: Attorney Richard Antognini's Success in California and How FRAUD STOPPERS Mortgage Audit Can Help You Achieve Similar Results" In a noteworthy case, attorney Richard...

Unmasking False Claims in Bankruptcy: Unveiling the Power of Discovery Strategies with FRAUD STOPPERS' Mortgage Audit Introduction:When it comes to bankruptcy cases, false claims can pose a significant challenge for both lawyers and homeowners. Many individuals...

Guide for Young Veterans Transitioning to Civilian Life: Mastering Your Finances How to equip yourself with essential financial skills and strategies to thrive as a young veteran transitioning to civilian life. Navigating Finances: A Guide for Young Veterans Entering...

How to Win a Foreclosure Case or Quiet Title Lawsuit Using Interlocutory Appeals and Discovery Demands Facing a foreclosure case or quiet title lawsuit can be a daunting experience for homeowners. However, there are legal strategies that can significantly increase...

Preserve the Evidence! To Adam Bronfman, Executive Producer of The Con, We stand in solidarity with the millions of homeowners whose lives have been destroyed by a criminal enterprise using the courts, law firms, and this country's government entities to become...

https://rumble.com/v2nhty2-patrick-lovell-truth-bombs-the-con.html Patrick Lovell Truth Bombs The Con Do you think the system is corrupt? It is. Do you know how? I do. Lean in, please allow me to share it with you. rumble.com The Link for the $13...

How to Stop Fannie Mea Fake Foreclosures FRAUD STOPPERS PMA is your only source for court ready evidence to win your Fannie Mea foreclosure. Let FRAUD STOPPERS and our insider banking expert and licensed private investigator give you and your attorney the facts and...

How to Use the Right Words to Win a Foreclosure Case or Mortgage Fraud Lawsuit   Don’t Say “LOAN” Neil GarfieldApr 24 Whenever anyone refers to your transaction as a loan, you should be objecting at the earliest possible moment (or else it is waived), and you...

Ocwen Related Matters During the year ended December 31, 2022, Ocwen was our largest customer,accounting for 41% of our total revenue. Additionally, 6% of our revenue for theyear ended December 31, 2022 was earned on the loan portfolios serviced byOcwen, when a party...

Protecting Personal Health Information from Theft and Fraud By Jenna Sherman   Credit card numbers aren’t the only type of personal data that hackers are after. Medical records and personal health information are increasingly a target of data breaches, with...

Rescission under TILA: Homeowners' Rights Upheld as Courts Grapple with Voided Mortgages and Clouded Titles - How FRAUD STOPPERS Can Provide Assistance The concept of rescission under the Truth in Lending Act (TILA) has become a crucial battleground for homeowners...

How to Hire the Right Foreclosure Defense Attorney Before you hire an attorney you need to know what they should be doing, what they should doing, and how to contract with them properly so you can ensure you are not taken advantage of by your attorney. You can learn...

Standing to Foreclose and Holder in Due Course with Rights to Enforce   There are lots of valid foreclosures defenses that have worked, and there are hundreds of thousands of cases that have been won or settled by those who chose to fight. However, most of the...

VT Supreme Court Rules Value Must be Given in Mortgage Loan Contracts VT Supreme Court Asserts Value Must be Given and No Security Interest Attached to the Presumed Account By Neil Garfield This dispute is governed by Article 9 of the Vermont UCC, which covers...

PA Supreme Court Opines that Aiding and Abetting a Fraud is a Separate Recognizable Tort Claim By Neil Garfield we hold Pennsylvania law recognizes the tort of aiding and abetting fraud, and the scienter requirement for this cause of action is actual knowledge of the...

Now You Can Sue New York Mellon For Mortgage Fraud Stop Foreclosure | Sue for Mortgage Fraud | Quiet Title | Wrongful Foreclosure | Loan Mod Fraud | 800-459-1215 | [email protected] If you want to stop foreclosure or sue your mortgage company for mortgage fraud,...

Mortgage Loan Instrument or Personal Property; what really got securitized?   We begin with the mortgage loan originator. Immediately after closing, the mortgage loan originator has taken possession of many documents of which only two (2) are required to be...

WHY ALL THE ROBO SIGNING? In Jamie Dimon’s annual letter to shareholders, he talks about JP Morgan’s part in all of that. Essentially it was “not our finest hour,” he said, but at least JPM wasn’t as bad as other banks (even their subprime mortgages performed better...

Learn How to Control Lawyers and Judges and Win Your Case If you want to learn how to control lawyers and judges you must take the time to learn How to Win in Court by Dr. Fredrick Graves! In my 35 years of professional experience as a licensed attorney, I've argued...

Why Fabrications & Forgeries of Mortgages Loan Documents? In an increasing number of foreclosure cases, homeowners are going head to head with the lawyers who file claims on behalf of entities on the basis off fabricated and/or forged instruments that in many...

Your Mortgage Documents Might be Fake! Ya think, maybe? MERS alleges to have registered 71 million mortgages. There were likely another 15-20 million “non-MERS” mortgages… Prepare to be outraged. Newly obtained filings from this Florida woman’s lawsuit uncover...

Professional Quiet Title Litigation Package and Foreclosure Defense Recourse What is Quiet Title? I ask this question to get the reader to think about the two faces of Quiet Title. First, Quiet Title is an equitable Cause of Action that many homeowners’ use to...

100 INTRODUCTORY FACTS ABOUT MORTGAGE SECURITIZATION 1. Most mortgages in the U.S. are owned by trusts. 2. The trusts are often referred to as “RMBS” trusts, an acronym standing for “residential mortgage-backed securities.” 3. The total U.S. mortgage debt is between...

BANK CAN NOT LEND CREDIT. BANKS CAN ONLY LEND MONEY Truth In Lending Act Case Law and Regulation Z Truth in Lending Act was passed to prevent unsophisticated consumer from being misled as to total cost of financing. Truth in Lending Act, Section 102, 15 U.S.C....

Avoid Loan Modification Traps, Pitfalls, and Scams   The Business Model of Loan Servicers is to Foreclose on Innocent Borrowers. Securitization is the reason lenders attempt to foreclose on homeowners even when giving them a loan modification is the right thing...

The prime mistake among foreclosure defense attorneys is that (a) they are looking at substantive law only without studying procedural law and (b) they still can't get over the "free house" myth. If you are confronted by a court order signed by a real judge that you...

Stop Foreclosure | Sue for Fraud If you want to stop foreclosure or sue your mortgage company for mortgage fraud, FRAUD STOPPERS can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you...

Your Mortgage Documents Might be Fake! MERS alleges to have registered 71 million mortgages. There were likely another 15-20 million “non-MERS” mortgages… Prepare to be outraged. Newly obtained filings from this Florida woman’s lawsuit uncover horrifying scheme...

Your Mortgage Documents Might be Fake! MERS alleges to have registered 71 million mortgages. There were likely another 15-20 million “non-MERS” mortgages… Prepare to be outraged. Newly obtained filings from this Florida woman’s lawsuit uncover horrifying scheme...

Stop Foreclosure | Sue for Fraud If you want to stop foreclosure or sue your mortgage company for mortgage fraud, FRAUD STOPPERS can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you...

Stop Foreclosure | Sue for Fraud If you want to stop foreclosure or sue your mortgage company for mortgage fraud, FRAUD STOPPERS can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you...

Stop Foreclosure | Sue for Fraud If you want to stop foreclosure or sue your mortgage company for mortgage fraud, FRAUD STOPPERS can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you...

Stop Foreclosure | Sue for Fraud If you want to stop foreclosure or sue your mortgage company for mortgage fraud, FRAUD STOPPERS can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you...

Banking Lesson to Aid Homeowners in Discovery or Statutory Demand Letters Neil GarfieldJan 9 Homeowners and their lawyers look at a canceled check and understandably and reasonably come to an erroneous conclusion. They think the check shows who physically received the...

If you want to stop foreclosure or sue your mortgage company for mortgage fraud, FRAUD STOPPERS can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you deserve, guaranteed! FRAUD STOPPERS...

How to respond to idiotic non-responses received to QWR, DVL and CFPB complaint Neil GarfieldJan 6 People often say that using the QWR and DVL is useless because you don't get any answers. But that is exactly my point. It is like pleading the 5th. In a civil...

Effective Strategies for Fraud Stoppers Foreclosure Defense and Quiet Title Lawsuits When facing the daunting challenge of foreclosure or seeking to establish a clear title to your property, having a solid understanding of the available legal strategies is crucial....

How to Prove Self-Employment Income to Buy a Home   When applying for a mortgage, lenders scrutinize your employment history to verify that you have the income and job stability to meet your payment obligations. Employment gaps, job-hopping, and unpredictable...

Now You Can Get Your Student Loan Securitization Audit & Expert Witness Affidavit to Eliminate Your Student Loan Debt If you have a student loan chances are your debt is part of the illegal securitization practices of big banks and Wall Street. Securitization is...

Fake Texts Are Easy To Create, Difficult To Detect For lawyers, judges, juries, and investigators, discerning what’s real when dealing with digital evidence is more difficult than ever. This is due, in part, to how easy it is to create fake evidence. Specifically, a...

Foreclosure Daily News Update ⋅ December 14, 2022 NOTICE OF FORECLOSURE BY ADVERTISEMENT | Legals | cadillacnews.com Cadillac News NOTICE OF FORECLOSURE BY ADVERTISEMENT Notice is given under section 3212 of the revised judicature act of 1961, 1961...

How To Win a Foreclosure Lawsuit or Quiet Title Lawsuit How This Homeowner is Winning Neil GarfieldDec 14 Hat tip for Scott Staffne, Esq. for uploading an "Outline of Oral Argument Re Motion for Sanctions." First, I commend the preparation, which is notoriously absent...

Foreclosures soaring 57% Neil GarfieldDec 12 As I have repeatedly reported, Wall Street's control over certain media outlets has consistently downplayed the number of foreclosures initiated against homeowners. We see far more articles saying foreclosures are low than...

Congress & FBI Investigation into Mortgage Fraud & Foreclosure Fraud Hi, everyone! Believe it or not, we are finally hearing noises back from Congress and the FBI, so things could be getting pretty interesting for us very soon! I am submitting a report to the...

Unveiling the Misuse of Nonjudicial Foreclosure: Seeking Realignment of Parties to Challenge Allegations and Protect Homeowners with FRAUD STOPPERS' Guidance and Support The article discusses the issue of converting from nonjudicial to judicial foreclosure and...

Recovering Your Equity After Foreclosure Neil GarfieldDec 6 As a result of court bias and the plethora of legal presumptions arising from fabricated documents, it might well be the better strategy to do nothing and then sue for excess proceeds followed by an amendment...

Enforcement of Discovery in Foreclosure Defense & Quiet Title Lawsuits Enforcement of Discovery — Sanctions Neil GarfieldNov 23 The heart of foreclosure defense lies in arcane procedures that occur within the context of discovery during litigation in court. The...

'Zombie Debt': Homeowners face foreclosure on old mortgages A growing number of homeowners say they are being blindsided by recent foreclosure actions on their homes over second loans that were taken out more than a decade ago ByMICHAEL HILL Associated Press November...

Holder of the note in due course for foreclosure defense Don’t ask for the true identity of the “holder of the note.” Ask instead for the identity of the holder in due course or the creditor. Neil GarfieldNov 18 The point is not the identity of the "holder" of the...

The “Debt” rabbit hole Neil GarfieldNov 17 Take care to distinguish what contract you're talking about. If you receive money, the law says you must give it back unless it was payment for something or it was a gift. In that sense, the law imposes a contract on people...

How To Stay Organized When Dealing With Legal Documents Megan Cooper Being organized is important in all aspects of life, but it’s downright crucial when it comes to legal documents. Legal documents often contain sensitive information that needs to be kept...

    Foreclosure Daily update ⋅ November 14, 2022 NEWS Foreclosure - Opelika Auburn News Opelika Auburn News L423 MORTGAGE FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage executed on...

Where’s Waldo? You need to stare at something for a while before you see everything. Neil GarfieldNov 7 While I was doing a CONSULT for someone, a reminder popped up on my computer screen relating to a statement sent under the letterhead of "Shellpoint." Since...

How to use expert witness or subject matter expert testimony to stop foreclosure and win a quiet title lawsuit or wrongful foreclosure lawsuit “Experts” and Fact Witnesses Neil GarfieldNov 3 A lot of people contact me asking for an expert report. Most have no...

Hawaii Homeowners Win Wrongful Foreclosure Lawsuit   Attorney Gary Dubin Does it Again In Hawaii: Persistence Pays Neil GarfieldOct 28 Gary Dubin is one of the few lawyers with more life and legal experience than I have. While I have won most of my trial cases,...

Revealed–The Inside Scoop. F.A.C.E.U.S. (Families Against Court Embezzlement Unethical Standards) Call the show at 7:55 pm your time to this number 845-241-9962 press a one. If you have friends that want to call in and listen or have a question or a comment, they call...

Ocwen and PHH Mortgage Servicing Fraud Maybe a subpoena to Scott Anderson will shake the tree Neil GarfieldOct 25 Ocwen is the parent company, and PHH is said to be a subsidiary and subservicer in charge of underperforming or nonperforming accounts. Those who read...

Court Orders Depositions of Top Biden Officials in Missouri AG’s Case for allegedly colluding to suppress freedom of speech.   October 24, 2022Contact: Constituent ServicesOffice: 573-751-3321 JEFFERSON CITY, Mo. – Missouri Attorney General Eric Schmitt announced...

5th circuit court of appeals ruled that the designs of the CFPB violated the constitution   It is important to note the recent 3 judge panel of the 5th circuit court of appeals ruled that the designs of the CFPB violated the constitution because it received...

A Small Business Owner's Guide to Preventing Fraud and Data Hacks   By Megan Cooper 1/018/2022Cybercrime is on the rise, with criminals targeting both individuals and businesses. If you're a business owner, you want to do all you can to prevent being a victim of...

Foreclosure News Daily update ⋅ September 12, 2022   NEWS The hitch? That small print in SUN mortgage documents. - The Boston Globe The Boston Globe ... Neighborhoods) has helped about 1,000 families avoid foreclosure. ... SUN acquires occupied foreclosed or...

FRAUD STOPPERS Daily Fraud News Update ⋅ September 8, 2022 NEWS Steve Bannon indicted on state charges of money laundering, conspiracy and fraud related ... CBS 58 ... money laundering, conspiracy and fraud related to border wall effort ... Bannon on federal fraud...

Challenging the Lawyers for the Foreclosure Mill   Neil GarfieldSep 7   Based upon 16 years of research, an investigation by our company, an investigation by third-party forensic analysts, and an investigation by law enforcement and law markets (see 50 state...

The Strategy of Foreclosure Defense Neil GarfieldSep 2 I recommend against raising an issue that you cannot prove. Specifically, the allegation that there are false claims of securitization of debt broadens the litigation beyond that which the judge is likely to...

Foreclosure Daily update ⋅ September 2, 2022 NEWS 4 Costly Dangers of Buying a Foreclosure—and How To Avoid Them - Realtor.com Realtor.com Buying a foreclosure can be complicated, and that seemingly cut-rate deal may not save you as much money as you...

Foreclosure Fraud: Watch Out for Con Artists Who Make Offers They cannot Fulfill. This includes “servicers” offering modifications. Neil GarfieldSep 1 As foreclosure filings and threats spike, so too will the number of fraudulent offerings that guarantee you an...

Securitization is a Ponzi Scheme. Homeowners are merely collateral damage. Neil GarfieldAug 30 Ponzi schemes work because of the continuing success of the tactical big lie --- i.e., nobody would tell a lie that big because it would discovered and therefore it must be...

Drafting complaints against the pretender lenders and pretender servicers. Neil GarfieldAug 29 Many people try to draft lawsuits against the "servicers" and other actors who pretend to have credentials and status in connection with the existence, ownership,...

Foreclosure Mortgage Fraud Daily News Update ⋅ August 31, 2022 NEWS Foreclosures are rising with the end of COVID-era moratoriums. Here's where they're ... The Columbus Telegram Overall, foreclosure rates on homes across the country were up 143% in July, compared to...

Homeowners! You need to know this! The difference between the possessor of a note, the holder, and the holder in due course. Neil GarfieldAug 25 Uniform Commercial Code preempts principles of common law and equity that are inconsistent with either its provisions or...

FRAUD STOPPERS Empowers Homeowners Facing Foreclosure with Comprehensive Mortgage Audits and Legal Support For homeowners looking for foreclosure defense the New York State Senate has passed a foreclosure abuse prevention bill aimed at addressing manipulative tactics...

Mortgage Fraud Daily update ⋅ August 18, 2022 Foreclosure Mortgage Fraud NEWS Q2 2022 Quarterly Mortgage Fraud Brief - CoreLogic® CoreLogic The CoreLogic Mortgage Fraud Brief analyzes the metro areas with the highest mortgage fraud risk on a quarterly basis, and...

Here is why the Judge doesn’t answer your questions in court Neil GarfieldAug 12 I think the biggest mistake that trial lawyers and pro se litigants make is that they think their questions, especially those supported by forensic reviews, are sufficient to rebut the...

The Pooling and Servicing Agreement is NOT a Trust Agreement   Neil GarfieldJul 12 Unknown to lay people in court, the admission of an allegation or implied allegation (or even an argument) is the same thing as establishing that "fact" as true even if it isn't...

Disqualification of Foreclosure Mill Attorney Neil GarfieldJul 5 Over the years many lawyers and laypeople have sent me proposed motions to disqualify or bar opposing counsel from representing to the court that the bank he or she named in a complaint or claim is his...

Discovery you can’t afford to miss: the SEC! https://cloudedtitlesblog.wordpress.com/2022/06/23/discovery-you-cant-afford-to-miss-the-sec/ (OP-ED) — The opinions expressed herein reflect those of the author and should not necessarily be construed as legal advice;...

Guidance on legal argument in foreclosure cases Neil GarfieldJul 1 OK. There are several aspects here. The most important one is to educate the judge and persuade the judge to apply existing legislative laws specifically the state laws adopting 9-203 of the UCC...

FBI looks to educate more on elder fraud   By Charles Montgomery Published: Jun. 1, 2022 at 3:28 PM CDT HUNTSVILLE, Ala. (WAFF) - Have you or a family member ever been contacted through social media or by email with someone demanding payment? Maybe you received...

Defaulted Mortgages and Foreclosure Defense Before you use the word “Default” know this: Neil Garfield Upon reflection, I think part of the problem is that most people including judges, don't truly understand the meaning of the word "default." A default does not exist...

Foreclosure Daily News Update ⋅ May 31, 2022 FRAUD STOPPERS NEWS Foreclosure Pressure Not Easing for Some Minnesotans - Public News Service Public News Service The Federal Reserve Bank of Minneapolis recently reported nearly 10 rural Minnesota counties had...

Foreclosure Daily News Update ⋅ May 30, 2022 FRAUD STOPPERS NEWS (Published in the Brainerd Dispatch, May - Brainerd Dispatch - Brainerd Dispatch (Published in the Brainerd Dispatch, May - Brainerd Dispatch | News, weather, sports from Brainerd ... NOTICE OF MORTGAGE...

What to do after sending a Qualified Written Request (QWR) Letter or Debt Validation Letter (DVL)   OK I Sent a QWR and DVL. Now what? Neil Garfield The first thing you need to know is that there is no obligation to answer the notice if the questions are not...

11th Circuit Ct of Appeals Breaks New Ground — in favor of homeowners! Neil Garfield May 26 Daniels v. Select Portfolio Servicing, Inc., No. 19-10204 (11th Cir. May 24, 2022) The fact pattern sounds like something out of Gulliver's travels. Statements are regularly...

Winning a FCRA Case Post Foreclosure Winning an FCRA case on the back end of a foreclosure … on appeal in the 9th Circuit Deadly Clear May 19 Reblogged from Clouded Titles Blog: gross-v-citimortgage-inc-et-al-9th-app-cir-no-20-17160-may-16-2022Download (BREAKING...

How Homeowners Can Win Foreclosure Cases Homeowners with Courage and Conviction Generally Win Foreclosure Cases Neil Garfield I often receive links to cases that either corroborate what I have been saying or challenge my conclusions. Many of those links are opinions...

A Promissory Note is NOT a debt. It is evidence of the debt and terms of repayment. Neil Garfield I can remember back when Nova Law Center was an old building on what and been a World War II airstrip. My fellow students and I would satisfy our need for speed on those...

Quiet Title Actions, Multiple Scenarios and Suspected Court Overreach Deadly Clear May 3 Reblogged from Clouded Titles Blog: (BREAKING NEWS, OP-ED) -- The author of this post is a paralegal and trial consultant to attorneys on chain of title issues. The article is...

Post Foreclosure Options If the house is sold, is there anything I can do? Neil Garfield At least 40% of the inquiries received by my office ask what they can do after the auction has occurred or even after the REO property has been liquidated. As I have stated...

Deutsche Bank Searched Over Anti-Money Laundering Report (Bloomberg) -- Deutsche Bank AG’s offices in Frankfurt are being searched by law enforcement authorities over reports about potential money laundering that were filed by the lender. Police were at the bank’s...

Homeowners Alert! You Are Corresponding With Machines, Not People. Neil Garfield Most people do not spend their time keeping up with advances in technology. When it comes to their front door they know it has arrived. For about 12 years I have been telling people that...

Why the CFPB Announcement is Very Important Neil Garfield when the time comes that a judge enters an order or judgment containing findings of fact, for example, that the records of the designated "servicer" are not business records that are not exempt from the hearsay...

Foreclosure Daily News Update ⋅ April 27, 2022 NEWS Where Foreclosures Could Take Years to Process | Realtor Magazine Realtor Magazine Homes foreclosed on in the first quarter have been in the foreclosure process an average of 917 days—about 2.5 years, according to...

Post Foreclosure Trial Options When the homeowners loses in the trial court what are the options?   Foreclosure litigation is a very special type of case. Normal rules of limitation and basic requirements of proof have been softened in favor of giving lawyers the...

JURISDICTIONAL CHALLENGES MUST NOT BE AIMED AT THE MERITS OF THE CLAIM Neil Garfield Apr 25 "Jurisdiction" is a term used to define whether or not the court has any authority to hear the case. Filing a bogus claim DOES invoke the jurisdiction of the court as long as...

How to use your knowledge of securitization to win foreclosure and quiet title cases Neil Garfield Apr 22 In an effort to show the relevancy of securitization in the collection businesses established with each new transaction with homeowners, I have had some...

How to Win a Foreclosure or Quiet Title Lawsuit Homeowner Beliefs and Fears Drive Losses in Court Neil Garfield There is no "YES". There are many people who get angry with me for ascribing some blame to the homeowners themselves for the toxic economic environment and...

  Mortgage Fraud Daily News Update ⋅ April 19, 2022 NEWS MLO Mentor: HECM fraud and abuse | firsttuesday Journal First Tuesday Journal This article discusses abuse, theft, and fraud schemes related to Home Equity Conversion Mortgages (HECMs). 9 mortgage scams you...

MERS and the problem of false agency Posted on April 19, 2022 by Neil Garfield Since the beginning of this century, The initial transaction with homeowners was the product of multiple layers of paperwork, most of which were neither identified nor accessed by consumers...

Fake Notices from Fraudulent Mortgage Loan Servicers Notices To and From Servicer Might Mean Nothing at All by Neil Garfield In homeowner finance, ALL claims start with notices from third parties with whom the homeowner has previously had no communication. My...

Interlocutory Appeals in Foreclosure Defense   Don’t wait until the end: Interlocutory appeals succeed where the issues are narrow by Neil Garfield Aggressive litigation means basically that the lawyer or pro se litigant uses every tool in the box to force the...

Mortgage Fraud Daily News Update ⋅ April 14, 2022 Robert Morgan surrenders $16.3 million to feds to settle mortgage fraud case - Buffalo News Buffalo News Robert C. Morgan didn't just plead guilty to a felony related to mortgage fraud this week. The developer...

Former Sheriff Incarcerated for Refusing to Shut up about Guardianship Abuses By Janet Phelan As shock waves, initially engendered by the revelations of abuse in the high-profile conservatorship of pop star Britney Spears, begin to subside, another guardianship case...

Facts About Bad Mortgage Loans How significant a risk is noncompliance with consumer protection laws? The mortgage industry is struggling to comply with consumer protection laws. A remarkable report published by the FDIC Office of the Inspector General reveals that...

Why the UCC Matters in Foreclosure Cases by Neil Garfield The problem as illustrated by many scholarly articles and articles on this blog is that courts are given to treat plaintiffs and claimants as holders in due course without anyone asking them to do so. The first...

You Don’t Need to Call a Forensic Investigator as an Expert: He or she can be called as a fact witness thus avoiding any requirements to qualify an expert. by Neil Garfield I keep getting messages from homeowners who are furious with the corrupt system of the courts...

Mortgage Servicer Fraud Exposed It’s the small stuff that reveals the fraud by Neil Garfield Several contributors to the blog have identified specific information regarding the true owner and operator of physical mail addresses used in connection with correspondence,...

What Are Zombie Second Mortgages? The zombie mortgages that are wreaking havoc today are second mortgages. Many were originated by predatory lenders in the years leading up to the 2007 financial crisis. During that era of frenzied lending, brokers often combined first...

Mortgage Fraud Daily News Update ⋅ March 28, 2022 Court convicts 50-year-old man over fraud | The Guardian Nigeria News The Guardian Nigeria News Justice Oluwatoyin Taiwo of a Lagos Special Offences Court has convicted a 50-year-old man, Abiodun Adeola Sadiq, for...

Truths about Foreclosure Defense Gary Dubin on the Attack in California: Simple Truths About Foreclosure Defense by Neil Garfield Dubin reports that the status of judicial consensus in California is pretty much the way it was before he entered the battle in Hawaii. I...

Avoid mortgage loan modification scams March 26, 2022 Millions of homeowners struggled to make their mortgage payments during the COVID-19 pandemic, and it’s important for all homeowners to know about mortgage loan modification scams and how to avoid them. The...

A Victim's Story From The Heart - Share Yours! Three-time victim of foreclosure, Paris Dube, shares her personal story with all of you. She knows the stories all too well, since as a paralegal, she's prepared hundreds of her FACT Reports for those folks. Paris...

Foreclosure Daily Update ⋅ March 25, 2022 February Foreclosure Starts Dip Following January Spike - DSNews DS News Black Knight has released its “first look” at the February 2022 mortgage data finding that the national delinquency rate nearly returned to ... ...

Fake Money Fraudulent Mortgages Do you have a fraudulent mortgage? Do you want to sue the bank for mortgage fraud, or foreclosure fraud? If so, join FRAUD STOPPERS because we have a proven way to help you save time and money and increase your odds of success getting...

Mortgage Fraud Daily News Update ⋅ March 23, 2022 CFPB Issues Policy on Contractual 'Gag' Clauses and Fake Review Fraud Consumer Financial Protection Bureau Many families learn about and shop for credit cards, mortgages, and other financial products online,...

Mortgage Servicing Fraud About that “servicer” by Neil Garfield If you refer to the company that has been named as the "servicer" for your "loan", as your servicer or your lender, you are already wrong. Regardless of what company is named as "servicer", it is not...

How to Use RESPA Qualified Written Request (QWR) in Foreclosure Defense Qualified Written Request (QWR): How to use RESPAby Neil Garfield RESPA is a consumer protection statute that regulates the real estate settlement process, including loan servicing and...

Business Record Exception to Hearsay   Oregon Case Directly Corroborates My Analysis of Business Record Exception to Hearsay by Neil Garfield The bottom line and the importance of this analysis is that the basis for any claim in foreclosure is the enforcement of...

Wading through the difference between substantive claims or theories and the procedural opportunities to present them by Neil Garfield A recent exchange of correspondence from a good client of mine (one of the legacy cases I am still directly litigating) produced...

Foreclosure Defense Information “Payment History” is not the loan receivable account by Neil Garfield The payment history is not the loan receivable account by definition and it is never presented as such. Failure to recognize this obscure fact often results in...

2022: Recap of what we know about foreclosures and securitization by Neil Garfield Here is a line from another lawyer that I spoke with:"The investment banks were not selling securities and they can't say that they were because if they did say that then they would be...

Wilmington Entities in Foreclosure by Neil Garfield The "Wilmington" name shows up with what appears to be increasing frequency in foreclosures. The bottom line, in my opinion, is that whenever the "Wilmington" name appears in foreclosure cases, it is an attempt to...

Delaware Federal District Court Challenges the Ghost Nature of REMIC Trusts and BY Implication the Role of Trustees by Neil Garfield This is subject to rehearing, reconsideration and appeal. But in Delaware where the financial industry is coddled to the point of...

131 Federal Judges Broke the Law by Hearing Cases Where They Had a Financial Interest Join the demand for compensation from judges who have broken the law by hearing cases in which they have a financial interest and who abuse their power NOTES: I would be grateful if...

Destroying, Hiding or Fabricating Evidence: Doctrines Regarding Spoliation of Evidence by Neil Garfield The latest issue of the Florida Bar journal contains several interesting articles. One of them is entitled "Spoliation of Evidence and Non-party witnesses." The...

Former Florida Supreme Court Justices issue Ominous Warnings about our Judiciary & The Evidence Against Bank of America and their Lawyers Please join us. We need all our prayer warriors! I have two hearings Wednesday and Thursday of this week before Judge Migna...

“I challenged that and the judge completely ignored the report and my challenge”: How homeowners without knowledge of legal requirements for practice in court lose cases they could have won. by Neil Garfield People often tell me that they challenged something in court...

Why You Need to Perform Investigation of Real Facts in the Real World by Neil Garfield I state with great confidence that among those homeowners who perform and achieve a slam dunk win over the foreclosure lawyers, the great majority enjoy that victory because they...

If you want to stop a foreclosure sale, sue for mortgage fraud, quiet title, or wrongful foreclosure, file bankruptcy to stop a foreclosure sale using a little known bankruptcy secret to become mortgage free and walk away with a free house, you need several things to...

Foreclosure Daily News Update ⋅ December 14, 2021   Not all Forced-Sale Mortgage Foreclosures are Exempt from Avoidance as Fraudulent ... - JD Supra JD Supra The United States Supreme Court held in BFP v. Resolution Trust, that properties sold at...

You Can Use This As a Template for How I Would Respond in a Discovery Dispute — Especially with Wells Fargo, Fannie Mae and Wachovia as the Originator by Neil Garfield In a dispute between the attorney for the homeowner and the attorney for the alleged "lender",...

Foreclosure Daily News Update ⋅ December 13, 2021 Worried your house might end up in foreclosure? $197 million in relief funds can help - Yahoo News Yahoo News The money can help homeowners catch up on mortgage delinquencies and prevent defaults and...

Greetings to you all:   For some of you, it is has been a long time since we have spoken. Life does get busy and my client base is quite large so keeping in touch with everyone proves to be difficult. But I come to you today because I have promised each of you...

Mortgage Fraud Daily News Update ⋅ December 10, 2021 Former Phoenix police officer arrested for PPP loan fraud - TheGrio TheGrio Former officer Toni Richardson is facing federal fraud charges after allegedly falsifying an application for the Paycheck...

Homeowners Win Only When They Litigate Properly — Not Because They Are Right by Neil Garfield There is a difference between securitization, on the one hand, and securitization of debt, on the other. They are not the same thing. The entire scheme that is currently...

COVID OSHA REGULATIONS RULES AND MANDATE MADNESS   Please donate to support this work and spread the word at https://standupmichigan.com/   COVID_Article_Final OSHA, REGULATIONS, RULES, AND MANDATE MADNESS By Kristen Meghan, Sr. Industrial Hygienist Tammy...

Stop the Foreclosure Crisis To All Local, State and Federal Government Officials: We, the people of the United States of America, are appalled by the ongoing foreclosure crisis and demand a new foreclosure and eviction moratorium until these issues are...

It's a business. Anyone can make a claim. Anyone can say that they are representing someone who has a claim. If you don't contest it, the claim might be presumed as valid even though it has no basis in fact. The investment banks don't want you to read articles like...

Magna Bank, N.A. as Trustee for registered holders of certificates issued under the name of the Macandcheese Acquisition Trust, Inc. an inactive corporation, for a nonexistent trust, series 2022-XL-1 by Neil Garfield So a friend of mine left her phone in my car. Here...

How Could This Not Be a Loan? by Neil Garfield I think the one idea that sticks in the throat of nearly everyone is the idea that no money was loaned. That idea seems impossible and to many skeptics, it sounds like a snake-oil salesman trying to peddle what people...

Hi, everyone! I hope you are having a great start to your holiday season! American Property Owners Network ( APON) IS CALLING ON ALL THOSE WHO CARE to organize nationally against the fraudclosure machine! PLEASE SPREAD THE WORD! We need to meet to discuss networking,...

HOW THEY DID IT: CONVENTIONAL LOAN TRANSACTION EXPLAINED by Neil Garfield The following link leads to an oversimplified chart of a conventional loan transaction, leaving out the actual people at each step and leaving out several of the computer servers:CHART:...

Revised UCC Article 9, IRC 1031 Like Kind Exchange Transactions, and Liens on Real Property.   Revised UCC Article 9, IRC 1031 Like Kind Exchange Transactions, and Liens on Real Property.Did the lien’s beneficial interest maintain perfection, and was it therefore...

If you have a reverse mortgage foreclosure to stop FRAUD STOPPERS can help you uncover if you have legal standing to sue for financial compensation, clear and free title to your home or better both! Join FRAUD STOPPERS PMA today and let us help you get the legal...

Missouri Attorney General Files Suit Against Springfield Public Schools for Sunshine Law Violations After Requesting Documents on Critical Race Theory in Schools November 16, 2021Contact: Constituent ServicesOffice: 573-751-3321 SPRINGFIELD, Mo. – Today, Missouri...

If you want to Stop Foreclosure and stop Mortgage Fraud you must get legal education, legal support, and legal documents. FRAUD STOPPERS has everything you need to Stop Foreclosure and Mortgage Fraud including: legal education, legal documents, court ready evidence,...

Dear Commissioners for the Biden Administration and Court Clerks please stop trespassing upon our private business. Attached are just one example of the documentation of financial warfare for which we have presented to the treasury and the military provided for ex FBI...

Unilateral Mistake: Equitable Defenses Explained — How homeowners can get the upper hand and defend against enforcement of contract that is different from the one they knew or intended by Neil Garfield Homeowners are missing out on a huge opportunity for economic gain...

Are you behind on mortgage payments? Are you in or facing a foreclosure and at risk of losing your home? There are two main options to save your finances: a Chapter 13 bankruptcy or a Chapter 7 bankruptcy, and our experienced Nebraska bankruptcy attorneys are here to...

131 federal judges oversaw cases involving companies in which they or their families owned stock BY DEBRA CASSENS WEISS SEPTEMBER 29, 2021, 10:37 AM CDT A Wall Street Journal investigation has found that 131 federal judges oversaw 685 court cases in the last decade...

Want to allege fraud? Not so fast by Neil Garfield Both homeowners and lawyers like to throw around the term "fraud upon the court." But it actually ends up diminishing the credibility of both. There are several reasons why you should not allege fraud unless you have...

To our government officials Hi, fraudclosure heroes! Please forward the info below (and link to workshop Sunday ) to all who you consider leaders in helping victims of fraudulent foreclosure. Our board members, member-leadership, advisory board members and other...

Those letters from the lawyer for the alleged “servicer” named PHH by Neil Garfield It is true that someone will execute a release of the lien. What is not true is that they have any authority to do so --- nor is it true that PHH has any right to receive any money,...

  FRAUD STOPPERS is the only organization, to our knowledge, that can provide you (and your attorney) with loan level data and mortgage securitization information for all Government-Sponsored Enterprise Mortgages, including Fannie Mae, Freddie Mac, Ginnie Mae,...

Mortgage Fraud Daily News Update ⋅ October 29, 2021 Report reveals significant increase in mortgage fraud risk Mortgage Professional America At the end of Q2 2021, about one in 120 mortgage applications (approximately 0.83% of all applications)...

Foreclosure Daily News update ⋅ October 28, 2021 Home foreclosures are at record lows - Axios Axios Two months after the federal foreclosure moratorium ended, foreclosure activity in the U.S. is at a record low. Facing foreclosure?...

Foreclosure Daily update ⋅ October 26, 2021 NEWS Judge: Bridgeport church under foreclosure must be vacated - Connecticut Post Connecticut Post Moales had requested a stay of Meyer's previous foreclosure order while he appealed it to the U.S. Second Circuit Court of...

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...

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...

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,...

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...

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...

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...

State, city leaders help Bridgeport senior citizen facing foreclosure find options for relief https://brooklyn.news12.com/i-m-very-frustrated-bridgeport-senior-citizen-facing-foreclosure-not-protected-by-federal-eviction-moratorium-extension State and city leaders...

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...

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...

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...

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...

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...

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...

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...

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...

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  ...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

Reminder Committee in Support of 6021 & General Committee meeting this Saturday, June 12 2021- 10am PST https://www.disleague.com/ is fine and is firewalls up the yang, every time it is attacked, the backup auto reinstalls.   Here is a memorandum for the...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...

Legal Death Trap: About Those Letters You Get from the “Servicer” by Neil Garfield THIS IS ABOUT MONEY, NOT DOCUMENTS When a homeowner starts asking questions about the existence, ownership and authority over their debt, note or mortgage, they will at best be misled...

Foreclosure News Daily Update ⋅ April 21, 2021     FHFA aims to align foreclosure policies with CFPB National Mortgage News ... to prevent a wave of foreclosures, FHFA Director Mark Calabria said Tuesday during a virtual conference held by the Mortgage...

Foreclosure Defense Lawyer Gary Dubin Takes on the Entire State of Hawaii Gary Dubin, Esq. Takes on the Entire State of Hawaii by Neil Garfield Dubin was disbarred by the Supreme court for the State of Hawaii. I have previously written about his situation because,...

COURTS ARE REOPENING FOR FULL TIME FORECLOSURES   Dear Academy Members and Friends,   Chief Judge Janet DiFiore released a message to the legal community today, which included an announcement that, effective Monday, May 24th, "all judges and court staff will...

NEWSLETTER: EMERGENCY FREEDOM ALERTS: 4-11-21 By Dr. Scott Johnson | April 11, 2021 Act 4:10 Be it known unto you all, and to all the people of Israel, that by the name of Jesus Christ of Nazareth, whom ye crucified, whom God raised from the dead, even by him...

Foreclosure Fraud and Mortgage Fraud Daily News Update ⋅ April 8, 2021 Servicers, Bankers React to CFPB's Proposed Foreclosure-Avoidance Actions DSNews.com In order to prevent a tide of foreclosures that could overwhelm servicers, the Consumer...

The dirty details of discovery in foreclosure litigation by Neil Garfield Defending against discovery demands is a contact sport that most litigators enjoy because they get to torture their opposition --- while at the same time learning all about the litigation...

Attack the “Successors” by Neil Garfield In analyzing the paperwork in front of you, make sure you read every word and do not accept anything said at face value. A popular ruse by foreclosure mills is the use of the word "successor." I have been saying that this word...

Mortgage Fraud Daily News Update ⋅ April 3, 2021     Former Nike manager Errol Andam reaches plea deal on federal charges, faces up to 37 months in ... oregonlive.com Andam agreed to plead guilty to charges of wire fraud, money laundering and...

How to use “Unpublished” Opinions by Neil Garfield One of the peculiar aspects of foreclosure litigation over the past two decades has been the overuse (by appellate courts) of instructions not to publish opinions that favor homeowners in litigation. So the homeowner...

Mortgage Fraud News Daily Update ⋅ April 1, 2021 Lake County Recorder launching alert system to help thwart identity theft, mortgage fraud nwitimes.com The person then takes the deed to a bank, fraudulently obtains a mortgage and disappears with a...

Courts Are Wasting Time, Not Saving It: Apply the rules of evidence and both claims and defenses will fall. by Neil Garfield The excuse for the sloppy ways that the rules of civil procedure and the rules of evidence are applied in a case where the foreclosure process...

Allowing 5 million families to be evicted when moratoriums end, is not a solution. It’s problem by Neil Garfield Allowing 5 million people to be evicted when moratoriums end, is not a solution. It's problem.Here is the solution for any landlord that owns rental...

How to Attack Facial Validity of Lawsuits, Summons and Other Foreclosure Documents by Neil Garfield "Facial validity" consists of two words that are usually completely misunderstood in courts of law and frequently either misused or abused by the proponents of false...

BERGEN COUNTY MAN ADMITS DECADE-LONG $80 MILLION FRAUD SCHEME NEWARK, N.J. – A Bergen County, New Jersey, man today admitted orchestrating a long-running bank and securities fraud scheme, which led to large-scale losses for financial institutions and investors, Acting...

Basic Premise in Foreclosure Defense: Documents Are Not Events by Neil Garfield The objective in foreclosure litigation is not to prove something. The objective is to prevent the claimant from proving anything. The fundamental error of most homeowners, lawyers, and...

“Modifications” and Mediations are Opportunities for Homeowners to Deliver Blows and Setbacks to Self-proclaimed “Servicers” by Neil Garfield When presented with a situation in which a court has ordered mediation or where a proposed modification has been offered,...

How Homeowners Can Win On Appeal in Foreclosure Cases by Neil Garfield The bottom line in trial court actions defending foreclosures is that generally whatever you're thinking about your defense, you need a little more than that. On Appeal, you need a lot more than...

The “Holder” Myth: How Wall Street Baffles the Courts Posted on March 3, 2021 by Neil Garfield In a very recent deposition expertly done by a lawyer in an extremely conservative state, the grossly illegal plan to falsely present a scenario of “securitization of loans”...

Steps to save your home from foreclosure First, contact your lender to understand your options. In most cases, it’s usually a loan modification or forbearance. Loan modification will lower your monthly payment, but it could affect the amount of interest you’ll pay....

Why You Need to be Thinking About GAAP by Neil Garfield For 15 years I have tried to get CPA auditors to enter the field of expert witnesses against the investment banks. While some have nibbled at the line, none have taken the bait or come on board. So homeowners and...

Foreclosure Moratoriums are a Trap Designed to Set You Up for Total Economic Collapse Foreclosure Moratoriums Extended to drive you even further into debt and evitable financial ruin. If you think the government is going to come and save you and you will get a free...

Why Fraud Charges Keep Getting Kicked Out by the Courts by Neil Garfield This is tricky. I have often had complaints dismissed because I didn't make it over the threshold requirements for surviving a motion that attacks the elements of fraud. So in answer to many...

Atlanta attorney disbarred, arrested and extradited to Walton Co. on fraud charges FOX10 News On February 2, 2021 DeKalb County Police Department received a tip from Crime Stoppers regarding Dickason's location on Echo Trail in Atlanta, ... Look at the Name of the...

Mortgage Fraud Whistleblower Gets Fees Tied to $15 Million Deal A False Claims Act whistleblower will receive $152,327 in attorneys’ fees and costs for her role in bringing about a $15 million settlement between the federal government and Guaranteed Rate Inc. for...

Missouri County Sheriffs Will Arrest Feds Who Violate Second Amendment Under Biden The Commission of Newton County, Missouri passed legislation in February that will empower local law enforcement officials to arrest federal agents who attempt to violate the Second...

Mortgage Fraud Daily NEWS Update ⋅ February 10, 2021 First American launches mortgage fraud recognition tool Mortgage Professional America ... has launched a new tool that allows lenders and investors to more precisely identify the risk of fraud or...

Wall Street is Lying to Investors of All Stripes by Neil Garfield Like always, there is the "in-group" and then everyone else. Ocwen is viewed as a hot trade even though it has no discernable business base other than receipt of income from conduits or sham conduits...

Foreclosure Nightmare Unveils Troubling Connections: From GameStop to Homeowners, How Investments and Conflicts of Interest Intersect Putting an End to Foreclosure Fraud and Protecting Homeowners' Rights. In the midst of a nationwide foreclosure crisis, where...

Foreclosure NEWS Daily Update ⋅ February 6, 2021 All Year files last-minute lawsuit to block Bushwick mezz foreclosure The Real Deal A day before the scheduled UCC foreclosure sale of its trophy Bushwick rental project, Yoel Goldman's All Year...

13 Questions: Here is what the OCC said should be minimum operating standards for “servicers” by Neil Garfield On April 19, 2013, the Office of the Comptroller of the Currency (OCC) published "Operating standards for scheduled foreclosure sales." This was about 5...

Ocwen (PHH) Slammed with Lawsuit by 33 State Attorneys General by Neil Garfield Let them know what you think!!! The new suit is about charging illegal fees. But if the attorney generals of each state want real leverage they need only demand discovery responses to one...

Foreclosure Daily NEWS Update ⋅ February 1, 2021 New foreclosure rules align state law with Michigan Supreme Court ruling Iosco County News Herald County treasurers notify property owners of foreclosure. The delinquent tax process is a roughly...

WHAT IS A SERVICER ADVANCE? According to Ocwen it has zero credit risk and is not really an advance by Neil Garfield One place where securitization players and foreclosure players don't lie is in reports that are formally filed with the SEC. So in my research, I found...

Watch Out for Foreclosure Rescue Scams and Promises of Modification Everett man pleads guilty to mortgage scam The manager of an Everett, Washington, call center pleaded guilty Tuesday to a scam that took $2.5 million from about 1,000 distressed homeowners who were...

Foreclosure NEWS Daily update ⋅ January 26, 2021 Foreclosure suit hits Palmer House retail space Crain's Chicago Business As the owner of the Palmer House Hilton hotel grapples with a $338 million foreclosure lawsuit amid the COVID-19 crisis, it's...

Foreclosure NEWS Daily update ⋅ January 25, 2021 Summit County Public Trustee extends moratorium on foreclosures Summit Daily News It also prohibits loan servicers from initiating or proceeding with a foreclosure. Under the moratorium, mortgage servicers are...

foreclosure Daily NEWS update ⋅ January 22, 2021 FHFA extends foreclosure, eviction moratorium to February HousingWire This marks the fifth time the FHFA has extended the eviction and foreclosure moratorium on a program originally set to expire in...

Mortgage Fraud Daily update ⋅ January 21, 2021 NEWS Atlanta area woman's 2005 sentence for mortgage fraud scheme commuted by Trump 11Alive.com WXIA According to the Atlanta Business Chronicle report, McFarland was the ringleader in a mortgage fraud...

Unveiling the Deceptive Nature of Loan Modifications: How FRAUD STOPPERS Can Help Homeowners Safeguard Their Rights The article titled "Modifications Are Part of the Big Lie: Don’t send that application for modification if you don’t want to waive important rights" by...

For a FDCPA lawsuit.   Debt collectors must do these things First, as promised, the short list of things that debt collectors MUST do when they contact you:   Tell you they are attempting to collect a debt Tell you that any information you tell them will be...

Unveiling the Deceptive Nature of Loan Modifications: How FRAUD STOPPERS Can Help Homeowners Safeguard Their Rights The article titled "Modifications Are Part of the Big Lie: Don’t send that application for modification if you don’t want to waive important rights" by...

Florida Supreme Court Reverses: Homeowners can recover attorney fees even if they prove lack of standing when they win by Neil Garfield see Page v. Deutsche Bank Tr. Kudos to Nicole R. Moskowitz of Neustein Law Group, P.A., Aventura, Florida, for Petitioner William L....

What Happened With Your “Loan” — By admitting that you received a loan you lose. by Neil Garfield The plain truth is that homeowners are losing their cases through asymmetry of information. They think they understand when they do not have a clue. They are admitting...

Mortgage Fraud Examiners is on the forefront of a new trend in foreclosure defense!   Do you know that APPRAISAL AND MORTGAGE FRAUD CAUSE AN ESTIMATED 83% OF ALL MORTGAGES TO BE LEGALLY PROBLEMATIC? This is due to the overappraising of homeowners’ properties and...

Qui Tams, Class Actions, and Mass joinders in Wrongful foreclosure and Mortgage Fraud Lawsuits?   Qui Tam? Class Action? Mass joinder? Wrongful foreclosure? by Neil Garfield The problem with qui tam in connection with mortgages and foreclosures is that they have...

CFPB Final Debt Collection Rule v. NPRM With the Consumer Financial Protection Bureau's (CFPB or Bureau) release of its final debt collection rule on Friday, everyone is wondering the same thing: how does the final rule compare to the proposed draft included in the...

The Key to Winning is Aggressive Discovery and Compliance with Court Orders by Neil Garfield I have just received a slew of inquiries about what to do when the foreclosure mill files evasive responses and objections. Here is the answer. Discovery consists of the...

Crowther pleads not guilty to new federal fraud charges A Federal Grand Jury has returned a superseding indictment charging Casey Crowther with new charges after initially being accused of using COVID-19 relief funds to buy a boat. On Friday, Crowther plead not...

Foreclosure Fraud NEWS We need to start asking the right questions when in Foreclosure. We need to start asking different questions as the Show Me the Note theory does not work. When they do produce the Note, there is an incomplete stamping on the Note which states...

BANKS ARE STEPPING UP ATTACKS ON THIS SITE Posted by Neil Garfield The banks employ a fairly large army of people whose job it is to discredit meritorious foreclosure defenses. Their job is to convince the public and lawyers and judges in general to accept the notion...

Is it identity theft or invasion of privacy? by Neil Garfield They have stopped calling the certificates mortgage bonds because they have nothing to do with the mortgages and they are not bonds. Hat tip to "Summer Chione" This is a very good article that was...

More Details on VendorScape, CoreLogic and Black Knight by Neil Garfield Hat tip to "Summer chione" So it is apparent that the banks are responding to discoveries about how orders are transmitted to lawyers, "servicers", realtors etc.. While it is all the same...

OPEN LETTER TO PRESIDENTIAL AND VICE-PRESIDENTIAL CANDIDATES REGARDING MORTGAGE FRAUD & FORECLOSURE FRAUD   OPEN LETTER TO PRESIDENTIAL AND VICE-PRESIDENTIAL CANDIDATES Donald J. Trump, Republican Party nominee for President of the United States Mike Pence,...

FRAUD STOPPERS is the #1 company providing Foreclosure News, Mortgage Fraud Investigations, Court Ready Documents, Short Sales, Loan Modifications, Mortgage Refinance, Attorneys, Credit Repair, Bankruptcy, and much more! Bankers Confess to Supreme Court They...

Save time & money stopping foreclosure & mortgage fraud with FRAUD STOPPERS Mortgage Fraud Audits & Affidavits, Expert Witness Testimony, Legal Education, Pro Se Paralegal Support, Loan Modifications, Bankruptcy, Attorney Networks, Credit Repair, Short...

Stop Foreclosure & Mortgage Fraud Sue for Mortgage Fraud Get the FACTS & EVIDENCE you need to save your piece of the American Dream Overturn the tables on the money-changers and make them pay you to go away!NEW AUCTION RULES FOR THE NINTH JUDICIAL DISTRICT...

Save your house from foreclosure and sue the banks for mortgage fraud with FRAUD STOPPERS PMA Boilerplate Answers to Discovery Won’t Cut It. If Plaintiff does it, they lose the claim. If Defendant does it, they lose the defense. Posted by Neil Garfield I have been...

Thousands of Homeowners Win Against the Banks: Here is Why You Never Hear About It By Neil Garfield You made all that revenue possible by signing a note and mortgage in favor of someone who was not lending you any money. Nobody told you about that. And nobody told you...

Stop Foreclosure News September 25, 2020 ATTENTION: you may be eligible for financial compensation for mortgage fraud, clear and free title to your home, or both! Take action right now before your options for compensation end. Register for a FREE MORTGAGE FRAUD...

ATTENTION: you may be eligible for financial compensation for mortgage fraud, clear and free title to your home, or both! Take action before your options for compensation end. Register for a FREE MORTGAGE FRAUD ANALYSIS FRAUD STOPPERS Foreclosure News Daily Update ⋅...

FRAUD STOPPERS Foreclosure News and Updates ATTENTION: you may be eligible for financial compensation for mortgage fraud, clear and free title to your home, or both! Take action right now before your options for compensation end. Register for a FREE MORTGAGE FRAUD...

FRAUD STOPPERS FORECLOSURE NEWS FRAUD STOPPERS is the #1 company providing Foreclosure News, Stop Foreclosure, Mortgage Fraud, Wrongful Foreclosure, Quiet Title, Short Sales, Loan Mods, Refinance, Attorneys, Credit Repair, Bankruptcy documents, and more! Save time...

Foreclosure News FRAUD STOPPERS is the #1 company providing Foreclosure News, Stop Foreclosure, Mortgage Fraud, Wrongful Foreclosure, Quiet Title, Short Sales, Loan Mods, Refinance, Attorneys, Credit Repair, Bankruptcy documents, and more! Save time & money...

Foreclosure News Daily Update ⋅ September 15, 2020   FRAUD STOPPERS is a National Private Members Association that provides Foreclosure News and Cutting Edge Mortgage Fraud & Foreclosure Litigation Support Products & Services to Law Firms, Foreclosure...

How To Determine Who Has Standing to Foreclose When You Have Multiple Plaintiffs in a Foreclosure Case Who Has Standing to Foreclose? Due to the improper negotiation, transfer, and delivery of the mortgage loan contract throughout the securitization process...

Supreme Court affirms Eight Circuit decision on Article III standing Class Action Litigation Newsletter Summer 2020: US Supreme Court Monday, August 10, 2020...

California courts lift eviction and foreclosure moratorium leaving more than 365,000 CA households at risk of eviction and homelessness.   The Judicial Council of California voted 19-1 on Thursday to lift its moratorium on most evictions and...

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,...

MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD Lynn Szymoniak, Esq., Editor, Fraud Digest, [email protected] 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 Mining &...

Once a Failed Remic, Never a Remic Available at: https://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 foreclosure...

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