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 advertised or represented as securitization of debt is false.

Securitization refers to the creation, issuance, sale and trading of securities. There is no doubt that securities were issued, although I take issue with the notion that those securities were not subject to regulation by the SEC. But anyone on Wall Street will admit that those securities are not mortgage-backed securities, and they are not asset-backed securities, and they are not shares of ownership of any obligation or liability of any homeowner.

Securitization of debt specifically refers to breaking up ownership of obligations and selling shares to investors.

With respect to transactions with homeowners, there can be no doubt that securitization of debt has never occurred since it’s inception in the mid-1990s. But there is also no doubt that almost everyone, including the homeowners and their attorneys, believes that securitization of debt did in fact occur.
This means that the underlying obligation, legal debt, loan account receivable, note and mortgage were never sold individually or as a group. It means that any claim of authority to administer (“service”), collect or enforce any purported liability of the homeowner that is based upon the sale of the laibility from one party to another is false. And that means that none of such parties possess any legal claim to do anything.

I recently received a question regarding notarization. The questioner, “summer chic,” asked why there appears to be no U.S. requirement that a notary public maintain a journal or logbook for notarization when that requirement is enforced practically everywhere else. The simple answer is that there used to be a requirement like that, but there is no such requirement now. And the reason is that the banks have successfully undermined the ability to produce evidence that the notary seal and signature were not affixed by the notary or even in the same geographical area as where the notary resides and works.

Like the Trustees, “servicers” and everyone else, they are collecting royalties for use of their name, signature and seal. They don’t actually do anything. The person whose signature is being affirmed as being signed by the person named in the instrument does NOT appear in front of any live person and does not produce proof of their identity.

So this enables the banks, acting through multiple layers of intermediaries including foreclosure lawyers, to fabricate documents that appear to be self-authenticating and valid (presumptively) despite the fact that the document memorializes nonexistent events and nonexistent people in connection with nonexistent transactions. Such documents are completely false, fabricated, forged, and do not survive any test of credibility or authenticity when litigated properly. By doing this the banks were able to sell the illusion of each initial transaction with homeowners to multiple buyers (investors) multiple times — something that would put them in prison for a long time if they were actually selling the debt.

This was all changed when the banks started their business plan. All of the basic notions of credible evidence concerning real events and real people needed to be undermined in order for the plan to succeed.

Having changed the norms, rules and practices of several industries, they have created a presumption of validity for behavior that is patently illegal, if it was disclosed. But because of the presumption, there is a heavy burden on the homeowner to go the extra mile.

And it requires a clever trial attorney to realize that the object is not to prove a point but rather to simply undermine the ability of the opposition to corroborate their claim. When they fail to answer questions or demands that they are legally required to answer, it is up to the homeowner to aggressively litigate the issue of their failure to respond.

That litigation changes the case and the narrative from bank versus deadbeat homeowner to judge versus uncooperative foreclosure lawyer. Once you have completed changing the narrative, there is an 85% chance of a favorable judgment for the homeowner.

Every favorable decision for the homeowner that I have ever received for review or obtained on my own is marked by that characteristic — the refusal or inability of the foreclosure lawyer to comply with rules of court and especially court orders compelling compliance. Very few of those cases have ever been appealed by the banks. This is a nuanced strategy of the banks. By not raising the case to the level of an appeal, they minimize the risk of creating legal precedent against they are full presentation of securitization of debt.

So the Defense of Foreclosure cases depends upon factors and nuances that are completely unknown to most homeowners. They then go into court believing that they know what they’re doing, which is exactly what the banks want.

Some people feel guilty about using the strategies and tactics against the banks. But the banks feel no guilt whatsoever and using false fabricated documents against those same people.

The answer is pretty simple. Since homeowners were tricked into enabling the launch of a securities scheme, they should have been compensated for doing so, and they were entitled to their share of the revenue and profit. In fact, I think they received it in the form of a disguised loan transaction. The mistake, that was entirely intended by the banks and based entirely on concealment of the true nature of the transaction with the homeowner, is that the homeowner was convinced that he or she was receiving a loan instead of a simple payment for services rendered in connection with the launching of the securities scheme.

If anyone actually was successful in forcing the players to produce the internal records, they would see (as I have seen) that these statements are exactly what is described in accounting ledger’s, books, and records of all the players involved in the origination and subsequent treatment of transactions and correspondence with homeowners.

I think the payment they received was not a loan simply because it was never recorded as a loan account receivable on the accounting ledgers of any company, nor was it ever purchased. The objective of the banks was to sell securities.

They paid homeowners to execute documents creating the illusion of a loan transaction but never disclose that there was no lender, creditor, loan account receivable liability for compliance with lending and servicing laws.

My opinion is that each homeowner received a fair share of that revenue and profits derived from the sale of securities and exchange for lending their name, financial reputation, signature, and consent.

The execution of the note and mortgage, while necessary to create the illusion of a loan transaction — and therefore justify the sale of securities based upon the existence (but not the ownership of homeowner transactions), did not memorialize any loan transaction and was not supported by any consideration.

There is no obligation or debt owed by the homeowners who issued any promise to pay because there was no consideration paid to the homeowner to fulfill that promise. The only consideration received by the homeowner was for services, not for a loan — even though the homeowner clearly believed otherwise.

The fact that the homeowner was successfully deceived is not a legal or equitable reason to hold homeowners to a contract that was concealed from them to wit: the promise to treat the transaction as though it was a loan even though it wasn’t. The promise to pay was based upon the existence of a lender, loan account receivable, and compliance with all applicable lending and servicing statutes —- something that never occurred.


Mortgage Fraud Daily News Update ⋅ December 8, 2021


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Department of Justice

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  Foreclosure Daily News Update ⋅ December 8, 2021  

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Search for houses for sale and foreclosure homes in Massachusetts, foreclosed properties in Massachusetts, MA foreclosure properties – page 8.





Daily update ⋅ December 9, 2021


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    Flag as irrelevant

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    Flag as irrelevant

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    Flag as irrelevant

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Texas News Today

Virus foreclosure of cash in Dallas Love Field: confiscation of civil property. carolbull29 seconds ago. Texas Congressman Dade Phelan tweeted …


LA Real Estate Company Will Pay $3.5 Million Over Alleged Illegal Evictions | LAist


A foreclosure sign. (via Shutterstock) … Wedgewood’s business model involves buying foreclosed homes and flipping them for a profit.


Housing resource hub opens in Detroit’s Jefferson-Chalmers

Detroit Free Press

A new resource hub in Jefferson-Chalmers can help Detroiters avoid foreclosure, flood-proof their homes and tap into crucial home repair programs.


Real Estate Investor at Center of Oakland’s ‘Moms 4 Housing’ Standoff Fined $3.5 Million for …


… from foreclosed properties it had purchased and was seeking to flip. … under pre-existing leases for at least 90 days after foreclosure.


1000 Museum Developers Pay Off Condo Inventory Loan – The Real Deal

The Real Deal

Developers secured loan in March following foreclosure suit from Reuben Brothers … The developers of the Zaha Hadid-designed One Thousand Museum condo …


EST/JENNINGS, SR., W. | Legal Announcements | thewetumpkaherald.com

The Wetumpka Herald


17 Foreclosure Litigation Attorney Jobs in Red Bank NJ Near Me | LawCrossing.com – Law Crossing

In the Court of Common Pleas Montgomery County – Classifieds – Classifieds

Full Coverage


Wedgewood, California reach settlement on alleged evictions – Los Angeles Times

Los Angeles Times

… it acquires through foreclosure or directly from the property owner. … train employees on the rights of tenants in foreclosed properties, …


Linda Lou Farrell (nee Sowers), 80 | News Democrat

News Democrat

Property Foreclosure. Paul Gunt. Chaplain David Long, commander at Wilson Sroufe VFW Post 9772, officiated the funeral of Previous.


Cision PR Newswire – 8NewsNow.com


9, 2021 /PRNewswire/ — ATTOM, licensor of the nation’s most comprehensive foreclosure data and parent company to RealtyTrac (www.realtytrac.com), …


Hotel Giraffe back on the wagon after two-year delinquency | Crain’s New York Business

Crain’s New York Business

Times Square luxury hotel heads to auction in foreclosure sale … Andaz Wall Street, are fighting off foreclosures and have not reopened.


Hancock County Superior Court 1 – The Daily Reporter – Greenfield Indiana

The Daily Reporter

Lisk, mortgage foreclosure. Three Sisters Family Limited Partnership, MJS Farms LLC v. Jim Dobbs, Marilyn Dobbs, Lean Gronowskiet, civil plenary. Nov.


Chicagoans can apply for rental assistance this month | AustinTalks


court order to vacate (foreclosure or eviction); domestic violence. Assistance includes payment of future rent or rent arrears and security deposits …


Defiance courthouse | Local News | crescent-news.com

Defiance courthouse | Local News | crescent-news.com

Dissolution of marriage. Mycumortgage, LLC, Beavercreek, vs. Dustin and Amber Blake, 26825 Behrens Road; and Defiance County treasurer. Foreclosure.


Williams County Courthouse 12-09-21 – The Crescent-News

The Crescent-News

Foreclosure. Journal entries. Barclay’s Bank Delaware, Columbus, vs. Judy A. Sentle, Alvordton. Money judgment granted.


Port buys almost 200 family homes for $14.5 million from struggling out-of-town landlord

Cincinnati Enquirer

Raineth now is in foreclosure and its properties in receivership. SUBSCRIBER EXCLUSIVE. Bonus Magazines. Learn about launching the world’s most …


Developer has ‘no plans’ to raise Nelson Place rents after leaving low-income housing program


After an initial 15-year period, LIHTC developments can only be absolved of their commitment to affordable housing through a foreclosure, …


Fitch Assigns Final Ratings to Firstmac Mortgage Funding Trust No. 4 Series 2021-4

Fitch Ratings

Credit Enhancement Provides Buffer Over Modelled ‘AAAsf’ Losses (Positive): The ‘AAAsf’ weighted-average foreclosure frequency (WAFF) of 10.1% is …


Attorney General Bonta Announces Judgment Against Real Estate Investment Company for …

EIN News

Wedgewood is a prominent player in residential foreclosures in California, buying, refurbishing, and selling foreclosed properties at a profit. In …


Port to acquire major portfolio of single-family homes – Cincinnati Business Courier

The Business Journals

The Raineth portfolio of properties went into foreclosure and the Port competed against several out-of-town investors for it.


Keep an eye on your pension and current account: when the “block” is triggered …


What can happen in the event that a foreclosure occurs Bank account? … or monthly unemployment allowance is credited to the foreclosed deposit.


The Still-Scott House | Olney Enterprise

Olney Enterprise |

With the payment not being made on the debt, Boucher had the property sold at a foreclosure sale in June 1930, but in July 1930, …


‘Four-year battle:’San Antonio activists say proposal to reduce marijuana arrests isn’t enough

San Antonio Express-News

Ananda Tomas speaks to participants during a National Day of Protest against evictions, foreclosures, police brutality and racism Saturday in …


State promises half a billion dollars for homeowner aid – Queens Daily Eagle

Queens Daily Eagle

The Homeowner Assistance Fund will provide up to $539 million to help eligible individuals avoid foreclosure, mortgage delinquency and …


Hot housing market seen cooling in 2022: Fitch | Investment Executive

Investment Executive

“Record home price growth in Canada has been the main driver of low delinquencies and foreclosures by generally enabling borrowers in financial …


Milwaukee churches, pastors urge city to halt ‘tax and take’ actions

Milwaukee Journal Sentinel

… they call “tax and take” — one they say can cost them thousands of dollars or lead to the loss of their churches to city tax foreclosure.


Colorado Springs house dubbed ‘little slice of hell’ makes its renovated debut, listing for $875000


FORECLOSURE 22+ Acres, Barn, 2 Homes, Creek and more! Whittier, NC … Toll Brothers Luxury Foreclosure, Marlboro Ridge, MD. Marcus Bruno.


iPark 84 developers plan iPark 87 at old Tech City site – Mid Hudson News

Mid Hudson News

The firm plans to purchase the property following completion of foreclosure proceedings by Ulster County and rename it iPark 87.


Internet Slams Redditor for Trying to Evict Neighbor With Kids for Being ‘Loud’ – Newsweek


… cannot be evicted from homes that they own, the only major exception being in foreclosure cases, where the bank repossessed one’s property.


Bonta announces $3.5 million judgement against property flipper over eviction policy …

The Center Square

According to Bonta, Wedgewood regularly purchases foreclosed … to stay on a property for 90-days after foreclosure under an existing lease, …


California cracks down on properties unlawfully evicting tenants – KTVU


Bonta says Wedgewood buys foreclosed properties, fixes them up, and flips them as fast as possible. The case centers on Wedgewood’s evictions from …


Detroiters decry World Economic Forum – Liberation News

Liberation News

… by the banks’ loan schemes and mass foreclosures since 2008. … people,” said Jerry Goldberg, a PSL organizer and anti-foreclosure attorney.


Foreclosure Trends 2022: What Mortgage Default Servicing Firms Can Expect – Provana


Mortgage default servicing law firms should consider these foreclosure trends related to compliance management heading into 2022.


Literary Tavern foreclosure case – DocumentCloud


NAILAH K. BYRD CUYAHOGA COUNTY CLERK OF COURTS 1200 Ontario Street Cleveland, Ohio 44113 Court of Common Pleas New Case Electronically Filed: …


2021LCO08658-R00-AMD.pdf – Connecticut General Assembly

Connecticut General Assembly



Purchase Foreclosure before it goes to auction – BiggerPockets


I just learned of a family friend’s house that is getting foreclosed on … be aware of and what kind of when buying pre-foreclosed properties?


37 Foreclosure Legal Assistant Jobs in Red Bank NJ Near Me | LawCrossing.com

Law Crossing

37 Foreclosure Legal Assistant Jobs in Red Bank are now available on LawCrossing.com, America’s #1 Legal Job Site. Your legal job search ends here …


Reverse Mortgage Foreclosure in Georgetown Texas $239,5 – Pinterest


Jul 2, 2015 – Foreclosure Georgetown Texas – Luxury home built by Jimmy Jacobs custom homes in 2008. Bank owned reverse mortgage foreclosure.


Foreclosure/Trustee Auction – E-20566


Foreclosure/Trustee Auction – E-20566. Northern California Public Foreclosure Sale (E-20566). Filter Properties By. Property Type. Single-Family …



  Mortgage Fraud Daily News Update ⋅ December 9, 2021  

Grand Rapids man sentenced for role in mortgage fraud | The Daily News

The Daily News

The sentencing of Brian VanFarowe, 60, was adjourned on Nov. 18 after Montcalm County Circuit Court Judge Suzanne Kreeger said she was not inclined to …

Grand Rapids man sentenced for role in mortgage fraud | West Michigan – Michigan

Full Coverage


Erie’s DeShandra Chappell survived a mortgage fraud scheme years ago – GoErie.com


DeShandra Chappell, 43, was determined not to lose her westside home as the result of a widespread Erie mortgage fraud scam more than a decade …


DeShandra Chappell: Erie resident survives mortgage scheme – GoErie.com


Chappell, 43, purchased her home in the 600 block of East Third Street years ago from a business at the center of a widespread mortgage fraud scam.


Christmas jingle to warn customers over loan fraud – Yahoo News

Yahoo News

The song explains the risks of loan fee fraud and how to spot a potential fraud.


Former Phoenix police officer faces fraud charges after submitting fake loan application

Arizona’s Family

The loan was originally intended to help businesses struggling from the … Richardson and Mitchell face federal charges of conspiracy, bank fraud …


New Study Finds the ‘True Cost’ of Taking Out a Loan Can More Than Double Thanks to Interest

Yahoo Finance

While taking out a mortgage or a car loan is not unusual, many people… … Christmas jingle to warn customers over loan fraud. 4h ago. MoneyWise …


Better.com CEO apologizes for botching layoffs, anonymously leaking video – The Real Deal

The Real Deal

Mortgage originator Better.com CEO Vishal Garg has apologized for his handling … Better.com CEO Vishal Garg accused of fraud, hostile workplace …


Former Phoenix police officer faces fraud charges | Arizona News | azfamily.com

Arizona’s Family

Toni Richardson is accused of submitting a fake Paycheck Protection Program loan application to a bank and receiving over $1.2 million in …


Financial watchdog releases Christmas anti-fraud jingle to help consumers scupper loan fee …

Money Saving Expert

The finance watchdog has released a Christmas jingle music video as part of an anti-fraud campaign to help protect consumers from loan fee fraud …


In extremis — PPP Money Is Not “Free” So Applicants & Recipients Need to Beware – JD Supra

JD Supra

This loan forgiveness was conditioned on, among other things, … To support the fraudulent PPP loan applications, Price also submitted fraudulent …


Elizabeth Holmes’ Defense Rests In Theranos Criminal Fraud Trial – Forbes


Elizabeth Holmes’ lawyers rested their defense in her fraud trial Wednesday after the founder and former CEO of Theranos testified for seven days, …


The IRS, Fraudulent Transfers, and Transferee Liability | Freeman Law – JDSupra

JD Supra

The IRS uses fraudulent transfer law and “transferee” liability tools to. … upon default under a mortgage, deed of trust, or security agreement.


CFPB Flags Mortgage Servicing, Fair Lending Issue in Supervisory Highlights Report | ABA …

ABA Banking Journal – American Bankers Association

The bureau flagged several areas where issues were observed, including credit card account management; debt collection; deposits; fair lending; …


Anti-Money Laundering Regulations for Real Estate Transactions – InsuranceNewsNet


FOOTNOTE 34 See, e.g., “Mortgage Loan Fraud: An Industry Assessment … to provide information on suspected mortgage fraud and money laundering …


PPP Fraud: Former Phoenix Police Officer Indicted – Patch


Prosecutors claim that The Lotto Club only began making transactions through a payroll provider after it received the PPP loan. PPP loan forgiveness …


Warning: Watch out for fake emails claiming to be from Martin Lewis as more than 300 …

Money Saving Expert

The email could result in your personal and financial information falling into the hands of fraudsters. Action Fraud – the national reporting centre …


Weak loan demand, low net interest margins, and cyber threats continue to harm banks …

Banking Exchange

“The conclusion of these programs creates increased compliance responsibilities, high transaction volumes, and new types of fraud, …


Defense team rests in Elizabeth Holmes fraud trial – MarketWatch


Fallen entrepreneur Elizabeth Holmes has finished her attempt to persuade a jury that she suffered lapses in business judgment but never engaged …


Holmes Testimony in Theranos Fraud Trial Nears End – BNN Bloomberg


Confronted with tough questions on the witness stand last week, as she defends herself against criminal fraud charges, Holmes admitted to errors …


Fraudsters ‘ruining Christmas’ with £4,500 courier con – The Telegraph

The Telegraph

TSB Bank has warned of a surge in fraudulent text messages from criminal … close to 1,500 reports of loan fraud in the 12 months to November.


Carr: Shop Safely and Beware of Scams this Holiday Season – Georgia Attorney General

Georgia Attorney General – Georgia.gov

Tips for safe shopping and avoiding scams during the holidays: … Credit cards offer greater protections against fraud than cash, checks or debit …


Defense team rests in Elizabeth Holmes fraud trial – Times Union

Times Union

SAN JOSE, Calif. (AP) —. Defense lawyers in the criminal fraud trial of fallen entrepreneur Elizabeth Holmes rested their case Wednesday, …


CO-OP Adds Fraud Score Tool to COOPER Platform | Credit Union Times

Credit Union Times

The solution is designed help credit unions more accurately detect payments fraud as risks remain high.


Car Fire On Rail Tracks + McDonald’s Splenda Melee + PPP Fraud | Atlanta, GA Patch


An Atlanta man has been sentenced for obtaining a fraudulent Paycheck Protection Program loan for $160,000, some of which he used to purchase a Range …


The New German Government Is Looking To Tackle Corporate Misconduct – Criminal Law – Germany


The Serious Fraud Office has ended its 15-year pursuit of a property tycoon suspected of involvement in a £50 million mortgage fraud.


Southampton Daily: Investment Advisor Fraud + Vaccine Clinics – Patch


Southampton Daily: Investment Advisor Fraud + Vaccine Clinics … Daily is brought to you in part by Newrez, a leading nationwide mortgage lender.


Identity Theft: Americans Are Still Surprised When They’re a Victim of the Most Common … – Benzinga


Loan fraud – 7%; Phishing scams – 7%; Tax fraud – 5. “Sixty-four percent of respondents use a credit monitoring service, either free or paid …


Citron Buys The Dip In Nuvei, Says ‘No Proof Of Fraud‘ In New Short Seller Report … – Benzinga


Nuvei Corp (NASDAQ:NVEI) shares dropped 36% on Wednesday a…


Streamlining the home buying experience with a customer-centric approach

Mortgage Finance Gazette

Peter O’ Connor, Managing Director at Capita Mortgage Software Solutions, takes a look at how we can create a better home buying experience for …


‘Chicago Med’ Bosses Tease Fall Finale Is ‘Full of Surprises’ (Exclusive) | whas11.com


“We bring the [Medicare fraud storyline] to a head. It has a very explosive end to it and that’s in our fall episode,” teases Frolov.


BREAKING NEWS: Attorney Mark Smith guilty in GHURA fraud case – The Guam Daily Post

The Guam Daily Post

It took a federal jury about one day to convict Mark Smith, a former attorney for the Guam Housing and Urban Renewal Authority, …


Unemployment Fraud: Suspected Colorado Scammers Net Over $73M in Benefits | GOBankingRates


See: Scam Alert: IRS Warns of Scammers Asking for Gift Cards for Tax Payments … 15 Mortgage Questions To Ask Your Lender …


Bulls’ Four-Game Winning Streak Snapped As They Lose To Cavs – CBS Chicago

CBS Chicago – CBS Local

The Cavaliers have won five in a row over the Bulls at Rocket Mortgage FieldHouse. … READ MORE: DHS Says COVID Relief Loan Fraud Is Widespread, …


Defense team rests in Elizabeth Holmes fraud trial | National News | postregister.com

Post Register

SAN JOSE, Calif. (AP) — Fallen entrepreneur Elizabeth Holmes has finished her attempt to persuade a jury that she suffered lapses in business …


Vishal Garg: CEO who fired 900 employees on Zoom has allegations of fraud, further abuse claims

NZ Herald

… 900 employees on Zoom has allegations of fraud, further abuse claims … the list of indiscretions against the mortgage boss is growing fast.


State Police Investigating Scam Text Messages in Atglen – MyChesCo


ATGLEN, PA — State Police in Chester County are investigating a scam where … II Forward and Home Equity Conversion Mortgage Loan Limits for 2022 …


Goldman Sachs must again face crisis-era securities fraud class action | Financial Post

Financial Post

Goldman Sachs must again face crisis-era securities fraud class action … Posthaste: Canadians embarked on a $193B mortgage binge during the …


Third of population consider themselves vulnerable – Mortgage Introducer

Mortgage Introducer

“And they must start carrying out vulnerability checks just as rigorously as they carry out credit, fraud and affordability checks.

Fannie mae scandal – safari ntt – safari ntt

Full Coverage


Defense team rests in Elizabeth Holmes fraud trial | National | idahostatejournal.com

Idaho State Journal

Defense team rests in Elizabeth Holmes fraud trial. By MICHAEL LIEDTKE Associated Press … Free Rent or Mortgage for a Year! Silver Stars 2021.


Former insurance agent sentenced to prison for wire fraud scheme that defrauded clients …

Shore News Network

Boser pleaded guilty to wire fraud in August 2021. … The clients included private investigators, process servers, mortgage and field service …


Moody’s assigns Aaa to Alabama Housing Finance Authority Multifamily Tax-Exempt …

Yahoo Finance

Rating Action: Moody’s assigns Aaa to Alabama Housing Finance Authority Multifamily Tax-Exempt Mortgage-Backed Bonds, (Peppertree Place Project) …


Sky-high house prices are destroying the mortgage-free retirement dream – The Telegraph

The Telegraph

Image of Log burners: how much are they and will they save you money? ‘Hello mum’ WhatsApp scam skyrockets, costing parents thousands.


FSRA Launches Auto Insurance Guidance to help ensure Consumers are Treated Fairly


Financial Services Regulatory Authority of Ontario. Also from this source. FSRA takes steps to help detect and prevent mortgage fraud… FSRA …


Defense team rests in Elizabeth Holmes fraud trial | National | caledonianrecord.com

Caledonian Record

Defense lawyers in the criminal fraud trial of fallen entrepreneur … Counties where mortgage payments have jumped the most in the past two years.


FTC warns consumers about growing threat of gift card scams – ConsumerAffairs.com


The Federal Trade Commission is warning consumers to be on the lookout for gift card scams since they have increasingly been used by scammers.


Holmes ends defense in Theranos fraud trial – AOL


The Latest from our Partners · Latest mortgage news: Rates stay low, extending refi opportunity · 5 ways a personal loan could help you save money.


Great Las Vegas Home Prices Up a Record 22 Percent Annually in November – WORLD …

World Property Journal

… pace” over the next several months as mortgage interest rates rise. … Supply Chain Fears Drive New Home Sales · U.S. Mortgage Fraud on the …


Capital One Savor Benefits Guide | Bankrate


The Capital One Savor also provides several features geared toward safeguarding account data and protecting cardholders from fraud.


Defense team rests in Elizabeth Holmes fraud trial | National News | idahopress.com

Idaho Press

Mortgage Free for a Year! Dining & Entertainment; BCT Boise Contemporary Theater; All Is Calm.


More people are seeking alternative credit | Peer2Peer Finance News

Peer2Peer Finance News

Subscription loan provider Creditspring, which offers fixed cost and low-risk credit … Loan fee fraud set to soar ahead of festive season …


DHS Says COVID Reduction Mortgage Fraud Is Widespread, And One Of The Largest …

Best Investments Now

CHICAGO (CBS) — Who can neglect now-suspended Markham police Officer Kenneth Muldrow, who acquired cash by way of a COVID reduction mortgage and …


DIRTY DEEDS DONE DIRT CHEAP: The Successor Trustee & Non-Judicial Mortgage Fraud

Latest Breaking News

In a judicial foreclosures state there’s a regular dwelling mortgage which embrace the logical two the events, a borrower and a lender who’ve a …


Sell More Using Creativity Principles | Things to sell, Selling real estate, Creative – Pinterest


Mortgage Fraud, 5.9.2014 World Peace, Read News, In Hollywood, Stock. Mortgage Fraud, 5.9.2014. More information.



  FRAUD STOPPERS Daily News Update ⋅ December 9, 2021  

Crime Stoppers: Police need help in fraud, homicide, and assault cases | WLNS 6 News


The Lansing Police Department is asking the public for help in three cases this week. One fraud case, one homicide case and one man is wanted for …


Pennsylvania State Police look to identify theft suspect in parts of PA and NY – PAhomepage.com


… are looking for the public’s help to identify a female theft and fraud suspect. … Tips can also be left with Pennsylvania Crime Stoppers at …


Crime Stoppers of Houston gifts $20000 to plumber who found money in Lakewood Church wall


At the time, Crime Stoppers of Houston offered a cash reward of up to … He still faces 88 counts of wire fraud and 34 counts of aggravated …


Omaha family falls victim to new cash app scam, warns others – WOWT


(WOWT) – One Omaha family warns others of a very costly scam that tricks you into one simple click and opens the door to your bank account.


Man from Iroquois charged in $1-million fraud probe of yacht sales | Ottawa Citizen

Ottawa Citizen

Steven Desjourdy of the Ottawa Police Service organized fraud unit at 613-236-1222 ext. 5460. Anonymous tips can be submitted to Crime Stoppers at 1- …


Defense team rests in Elizabeth Holmes fraud trial | WOWK 13 News


SAN JOSE, Calif. (AP) — Fallen entrepreneur Elizabeth Holmes has finished her attempt to persuade a jury that she suffered lapses in business …


Defense team rests in Elizabeth Holmes fraud trial | FOX31 Denver – KDVR


SAN JOSE, Calif. (AP) — Defense lawyers in the criminal fraud trial of fallen entrepreneur Elizabeth Holmes rested their case Wednesday, …


Elizabeth Holmes defense team rests its case in fraud trial | WSAV-TV


SAN FRANCISCO (AP) — Elizabeth Holmes’ defense team has just rested its case in the former entrepreneur’s fraud trial. The judge has tentatively …


CRIME STOPPERS: Springfield police search for fugitive known as “Bando Brown.” – KY3


CRIME STOPPERS: Springfield police search for fugitive known as “Bando Brown.” … say he’s part of a fraud scheme involving used car dealership.


Soldier sentenced for visa fraud, false statements – San Antonio Express-News

San Antonio Express-News

Maryam Movsum Hasanova, 35, pleaded guilty in October to one count of visa fraud. She was also ordered to be promptly deported from the U.S. and …


Former Athens superintendent pleads guilty to conspiracy, fraud charges – WAFF


Former Athens superintendent, William Lee “Trey” Holladay has entered a guilty plea for federal conspiracy and fraud charges.


Most Wanted Wednesday: We feature some of SWFL’s most wanted suspects; Dec. 8 – WINK News


Here are three fugitives wanted by Southwest Florida Crime Stoppers. … It’s unclear at this point if she had committed identity fraud, …


Iroquois, Ont., man, 73, charged in $1-million fraud probe of yacht sales involving city police, FBI


Steven Desjourdy of the organized fraud unit at 613-236-1222 ext. 5460. Anonymous tips can be submitted to Crime Stoppers at 1-800-222-8477 or at …


Insurance agent sentenced to 2 years in wire fraud case – KTVZ


SEATTLE (AP) — A Snohomish insurance agent was sentenced to two years in prison after pleading guilty to wire fraud in the theft of premium …


Defense team rests in Elizabeth Holmes fraud trial – KTVZ


SAN JOSE, Calif. (AP) — The defense team for fallen Theranos founder Elizabeth Holmes rested its case Wednesday in Holmes’ criminal fraud trial, …


Here are some of the most sought after suspects in SWFL. December 8th – Florida News Times

Florida News Times

If you see them, please contact the crime stopper or your local law enforcement agency. Call 1-800-780-TIPS (8477). Here are the three fugitives …




Who Has The Burden of Proof in a Foreclosure Case?

Who Has Legal Standing to Foreclose?

Who has legal standing to foreclose? Only the mortgagee has standing to foreclose. Look, if you are planning to sue someone and you accuse them of some wrong doing, you better have proof.  The person doing the accusing (the Plaintiff) has the burden of proof. Before you can go to court, you must have some sort of grievance that you are seeking relief on; in other words you must have legal standing.  For example, if you had a contract and the other person broke that contract causing you to suffer as a result of that breach.  This is called a Cause of Action.  In other words, “why are you suing this guy?  What wrong did he do to you?” You must have a valid reason to bring your suit.

There are a number of different causes of action you can accuse the other party of.  For example, breach of contract, fraud, tortious interference, etc. Another very special type of cause of action is called a Quiet Title Action.  These types of “Actions” (an “Action” is just legal jargon for a civil action…or a civil suit) are done when there is a cloud of title issue that needs to be resolved.  As a title owner, you have an obligation to defend your title against encroachments.  For example, if I started to build a fence three feet into your land and you say nothing… then five years later, I sell my land, and change the legal description to include that extra three feet…and you say nothing, then that extra three feet is mine.

Let’s discuss the Deed of Trust and Mortgage to see how this all fits in.

The Deed of Trust or Mortgage:

The Deed of Trust is a special Trust that is created specifically so that you (the landlord) temporarily grant your title in trust to the new Trust to secure against the promissory note.  When you create a Trust, you appoint a Trustee.  You also give that Trustee the power to sell your property in the event of a default of the promissory note.  This is the vehicle and mechanism your “lender” uses to foreclose and sell your house.  The same goes with a Mortgage in a Judicial State, except there is no need for a Trustee.

In the event that there is a problem with the promissory note or deed of trust, then there is an issue called “cloud of title”.  When a title is clouded, you will have a problem selling your house.  Let me give you an example.

Let’s say the County places an imminent domain claim on a strip of land on your property to lay down some pipes.  They then record this on your county records.  But because of budget cuts, they decided not to lay the pipes, but forgot to give you your land back.  2 years later, you are trying to sell your house.  It will be stopped because you are selling part of a land you don’t own (i.e. the strip for the un-laid pipes).  In order to un-cloud the title, you will need to seek a Quiet Title Action.

As we discussed, your promissory note has been permanently converted into a stock.  It has also been fully discharged.  The language on your Deed of Trust says “This Deed of Trust secures a promissory note”, and if the promissory note is destroyed through permanent conversion, then the Deed of Trust secures nothing.  This is just like the situation with the strip of land with the un-laid pipes.  It’s lost property.  It’s unclaimed land.  As the Title owner, you have an obligation to defend your land and title.

This is why we need to do a Quiet Title Action to reclaim our land to resolve the controversy.  In a Quiet Title Action, you basically issue a challenge to all parties wishing to lay a claim on our property to come forth and provide the proof of their claim(s).

However, remember the rule of court is the Plaintiff has the burden of proof.  In the following parts, we will go into uncovering proof. If you haven’t done so, we recommend that you purchase a chain of title & securitization analysis because once you have real evidence that your mortgage contains fraud, legal violations, and or has been securitized you will have a much better chance at beating your foreclosure and saving your house.


Federal Rules of Evidence:

You can sue your lender in federal court and/or state court (this is called circuit court).  Typically, the State Rules of Civil Procedure and State Rules of Evidence will govern state courts.  However, since we don’t know which State you are in, and for the most part, these rules are pretty similar, we’re going to talk about the Federal Rules of Evidence governing the admissibility of photocopies. Specifically, we want to talk about Rule 1002 and Rule 1003.  Please click on these and read up on them. These should be similar with your State Rules of Evidence.  You should consult your own State’s Rules of Evidence to confirm.

Basically, what will happen is your “lender” will bring to court photocopies of the Deed of Trust and Promissory Note to claim their rights as proof of claim in your Quiet Title Action.

These are admissible, unless you learn to object!

The rules of evidence are simple.  A photocopy is admissible unless it is unfair to admit the photocopy in lieu of the original.  What you need to know is, under Uniform Commercial Code, your promissory note is a one of a kind negotiable instrument, just like a check. You cannot go down to a bank and cash a photocopy of a check.  It has to be the real thing.  Your promissory note contains the only legally binding chain of title.  A photocopy made years ago does not contain the chain of title.

Basically, the argument is “sure, I signed a loan with you then, but we know you sold it.  Can you prove that you still own it?”

Opposing Counsel will say, “But Your Honor, the plaintiff has the burden of proof.  They are alleging that we sold the note.  Where’s the proof?”

And that’s where most Pro Se Litigants get stuck!

If you do not have the proof (evidence) when you file your civil action, your case will be tossed out, and classified as “failure to state a claim”.

What typically happens when you file an action is opposing counsel (the dirty rotten lawyer working for the bank) will file a Motion to Dismiss. They ALWAYS DO IT; so expect it. In order to survive the Motion to Dismiss, you must have sufficient proof.

If you haven’t already purchased your copy of Jurisdictionary, do it now because you have no chance of winning your case if you don’t know the rules of the game. This is a mandatory resource if you’re serious about defeating your foreclosure and saving your house.  I cannot stress how much you need this product!

Evidence of Movement:

The first and simplest evidence we can bring to court is called Evidence of Movement. In an Evidence of Movement situation, you closed with Bank A (let’s say Stearns Lending), who sells it to Countrywide (Bank B), who then got acquired by Bank of America (Bank C) ….who then securitizes the note into New York Mellons Bank Trust Series 12345.

So, the Deed of Trust names Bank A as the Beneficiary.  But Bank C wants to foreclose.  Bank C comes to the court with a Deed of Trust pointing at Bank A (Stearns Lending).  Where is the Chain of Title on the Promissory Note that gives Bank C (BofA) the Right to enforce the note?

If you have a situation like this, you might not need to get a securitization audit, although getting one may make your case stronger and more likely to succeed.

Often times, Bank C would come to the Court claiming “Your Honor, we have reacquired the note and now have the right to foreclose.”  If you encounter this situation, you must learn to object.

1)   Show me the perfected chain of title.  If you have sold it, then you lost your right to enforce.U.S. Code Title 12: Banks and Banking PART 226—TRUTH IN LENDING (REGULATION Z), a servicer does not have the rights of a lender if it has acquired the note for the purposes of administration.

2)   Please stipulate for the record whether the note is part of a pooling and servicing agreement.  Please stipulate whether the note has been securitized. Please stipulate who “New Your Big Bad Bankers Trust Series 12323 (of course yours will be different)” is, are they a REMIC?

3)   If the loan has been securitized, did you reacquire the note as an unsecured debt in the secondary securities market?  Are you acting in the capacity of a debt collector as governed under 15 U.S.C. §1692?

Remember, this is fraud at its greatest.  Only the top echelon bankers know this scam.  Even their Counsel does not know the scam that is being perpetrated here.  He is just taking his client’s word at face value.  He is hearing “we bought the note back” and accepts that the bank now has the right to foreclose.  They don’t.  Most homeowners who are confronted with this situation don’t know the scam either and run out of juice.

Do you see how we structure our arguments here?  It was never “Show me the note”.  We are attacking them on the “show me standing” and “show me that you are the real and beneficial party of interest who has the right to enforce the note”.


What is MERS?

MERS is Mortgage Electronic Registration Systems it was created by banks in order to “streamline” the warehousing of loans and mortgage documents. Basically MERS is a front organization that was created to defraud homeowners and government agencies. It pretends to hold your note, but in fact holds nothing. Banks set up MERS in the 1990s to help speed the process of packaging loans into mortgage-backed bonds by easing the process of transferring mortgages from one party to another. But ever since the housing crash, MERS has been besieged by litigation from state attorneys general, local government officials and homeowners who have challenged the company’s authority to pursue foreclosure actions. Recently there have been many court decisions delivering death blows to MERS and their 70,000,000+ mortgages they claim to hold.

For example in MERS Is Dead: Can Be Sued For Fraud: WA Supreme Court we learn that the Washington State Supreme Court dealt a death blow to MERS: “The highest court in the state of Washington recently ruled that a company that has foreclosed on millions of mortgages nationwide can be sued for fraud, a decision that could cause a new round of trouble for the nation’s banks.

The ruling is one of the first to allow consumers to seek damages from Mortgage Electronic Registration Systems, a company set up by the nation’s major banks, if they can prove they were harmed.

Legal experts said last month’s decision from the Washington Supreme Court could become a precedent for courts in other states. The case also endorsed the view of other state courts that MERS does not have the legal authority to foreclose on a home.

“This is a body blow,” said consumer law attorney Ira Rheingold. “Ultimately the MERS business model cannot work and should not work and needs to be changed.”

A spokeswoman for MERS said the company is confident its role in the financial system will withstand legal challenges. The Washington Supreme Court held that MERS’ business practices had the “capacity to deceive” a substantial portion of the public because MERS claimed it was the beneficiary of the mortgage when it was not.

This finding means that in actions where a bank used MERS to foreclose, the consumer can sue it for fraud. If the foreclosure can be challenged, MERS’ involvement would make repossession more complicated.

On top of that, virtually any foreclosed homeowner in the state in the past 15 years who feels they have been harmed in some way could file a consumer fraud suit.

“This may be the beginning of a trend,” says Elizabeth Renuart, a professor at Albany Law School focusing on consumer credit law. The company’s history dates back to the 1990s, when banks began aggressively bundling home loans into mortgage-backed securities. The banks formed MERS to speed up the handling of all the paperwork associated with recording the filing of a deed and the subsequent inclusion of a mortgage in an entity that issues a mortgage-backed security. MERS allowed the banks to save time and money because it permitted lenders to bypass the process of filing paperwork with the local recorder of deeds every time a mortgage was sold.

Instead, banks put MERS’ name on the deed. And when they bought and sold mortgages, they just recorded the transfer of ownership of the note in the MERS system.

The MERS’ database was supposed to keep track of where those loans went. The company’s motto: “Process loans, not paperwork.”

But the foreclosure crisis revealed major flaws with the MERS database.

The plaintiffs in the Washington case, homeowners Kristin Bain and Kevin Selkowitz, argued that the problems with the MERS database made it difficult, if not impossible; to determine who really owned their loan. It’s an argument that has been raised in numerous other lawsuits challenging the ability of MERS to foreclose on a home.

“It’s going to be very easy for consumers to say they were harmed because it’s inherently misleading,” says Geoff Walsh, an attorney with the National Consumer Law Center. If consumers can’t identify who owns their loan, then they don’t know whom to negotiate with, and can’t even be certain of the legitimacy of the foreclosure.

In a statement, MERS spokeswoman Janis Smith noted that banks stopped using MERS’ name to foreclose last year. She added that the opinion will “create confusion” for homeowners in the state of Washington while the trial courts consider its effect on pending cases.

Meanwhile, MERS is attempting to remake itself. The company has a new chief executive and a new branding campaign. In Washington D.C. federal lawmakers have recognized the need to create a national mortgage-recording database that would track all U.S. mortgages. MERS is lobbying to build it.

The case is Bain (Kristin), et al. v. Mortg. Elec. Registration Sys. et al., Washington Supreme Court, No. 86206-1.” (Reuters).

This information about MERS is very important for you to understand, if you are going to successfully defend your points in court. For a list of some FACTS about MERS check out https://fraudstoppers.org/a-few-facts-about-mers and also pay attention to: MERS-and-Citibank-are-not-real-parties-CA.pdf

IF you would like to see if your loan is serviced by MERS, click here: https://www.mers-servicerid.org/sis/.

Or you can also purchase a professional Securitization Audit, a Robo-Signing Check, or a Forensic Audit from Fraud Stoppers.


Who is the Investor?

There is a good chance Fannie Mae or Freddie Mac owns your loan.  If you can find your properties here, then you can present this as evidence that your servicer (so called “lender”) is not a real party of interest.  This is critical evidence to bring forth in your civil action.  You must include this as a claim in your suit.

To find out whether Fannie Mae owns your note, please come here.

Freddie Mac’s database is here.

IMPORTANT: DO THIS NOW.  Research whether these guys own your note.  If so, then you have a vital piece of evidence to present to the court.

Carpenter v.  Longan 83 US 271

Why is this so important?  This is a US Supreme Court ruling that says the Deed of Trust is the peripheral, and the Promissory Note is the “Thing”.  Imagine if you will, that the Deed of Trust is the tail, and the Promissory note is the dog.  He who owns the dog controls the tail.  He who controls the tail does not wag the dog.

Your lender will want to come in to lay claim on your title only showing ownership to the Deed of Trust without disclosing who the real and beneficial owner of the promissory note.  This is admissible unless you know to object.  If you quote this law when there is evidence of movement, then this will stop them in their tracks. Basically, it’s the same thing.  ”Show me you have subject matter jurisdiction over this controversy”, “show your proof of claim and title”.  He, who controls and owns the promissory note, controls the Deed of Trust.


Getting County Records:

Look, State Civil Code requires that every party of interest in your property must record their interest at County Records.  So, any loan assignments must be recorded.  Any notices must be recorded. To gather your evidence, you should head down to your local county recorder’s office and request for a complete printout of all recorded documents for your property from the date of subject loan.  Go down and talk to your county recorder.  They will usually be able to help you get the “title search dump”.  You don’t need certified copies.  Just the copies are fine, but it is a good idea to get all these documents handy so you can see what’s been recorded against your property.

What you are trying to find is instances where there is evidence of movement…i.e. the loan has been sold or securitized, but there was no corresponding evidence recorded at the County. So the next step is to go to the County Recorder’s Office for the DEED RECORDS and get a copy of every page of each document that is in the deed records of your home, since you got your last loan.

Print the Search Results, with your name as GRANTOR and GRANTEE, and your wife’s name as GRANTOR and GRANTEE, then search the property address, and print the search results.

Take your camera and take a picture of every page starting with the index or the cover page of your deed record file and save each picture by:

Yr-mo-day, YOUR LAST NAME, Name of Doc, Page of Doc:

[Example: 2013-07-04, Last Name, Original Deed of Trust received from ABC Brokers for Countrywide, 17 Pages]

You should end up with copies of your Original Warranty Deed, Deed of Trust (or Mortgage, as it is called in some states).

While looking at the Deed of Trust or Mortgage, click on the button or link for “RELATED DOCUMENTS” and print the search results, then get a copy of any “Assignments of Deed of Trust or Mortgage” and any “Releases of Liens”,” Appointments of Substitute Trustees”, “Trustee Deeds”, and Law Firm Letters, like Default or Acceleration Letters from Attorneys who are hired to collect the debts from you. Get a copy of everything in the file to the present date.


Calling a Title Company:

If you don’t want to do it yourself, then you can call a local Title company for a complete title research. A complete title research includes a report of all activities on your title from the date of sale.  They will also print copies of these documents for you.


Writing a Foreclosure Timeline:

A timeline is a chronological structure and is frequently the way cases are presented to juries and judges of fact. Visual representations are important and they make it easy to share the details of you case with others. It sometimes becomes the underlying foundation for the flow of all information related to a case. Therefore, it is important that care be given in the creation of visual timelines. Here is a Sample Timeline.


The Chain of Title & Securitization Analysis:

For those of you who do not have clear evidence of movement, for example, you closed with Countrywide and the loan got acquired by Bank of America.  Or your loan went through Chase and is now Chase is just a servicer, or GMAC (and GMAC is now servicing), then getting a Securitization Audit might be a way to go. Remember, as the Plaintiff, you have the burden of proof.

It will be like having a photo of a bank robber with a gun aimed at a teller.  It’s them caught with their hands in the cookie jar…and it puts opposing counsel in a position of having to explain to the judge why he should not be sanctioned for bringing fraud before the court. Fraud Stoppers Foreclosure Defense System includes one of the most powerful Chain of Title & Securitization Analysis available today. Banks hate it because it’s preformed by licensed professionals and includes the admissible evidence that you need to save your house from foreclosure. Banks HATE these because it exposes their fraud.

In today’s world of securitized residential mortgages, a Secured Mortgage Loan consists of two parts: (A) the financial obligation (created by the Tangible Promissory Note) which operates in accordance with Federal and State Law, and (B) an enforceable contractual lien instrument (i.e. Tangible Security Instrument, Mortgage, Deed of Trust) intended to provide an alternate method of collection of payment to the Holder of the financial instrument in accordance with State Law. In reviewing the transfer and ownership history of a Secured Mortgage Loan, one must evaluate the negotiation of the financial instrument and consider the laws applicable to the Security Instrument upon said negotiation of the financial instrument.

Our Competent Evidence Package looks at the true sequential ownership of a Securitized Mortgage Loan Security Instrument as evidenced by the documents related to the client’s property filed with the County Recorder’s Office, and compares it to the claims of ownership made by the party attempting to foreclose. The Competent Evidence Package shows what steps SHOULD have been taken in the securitization process in order to become a proper party to enforce the mortgage contract, according to both statutory and case l aw. More importantly, the Competent Evidence Package shows what steps were ACTUALLY taken in the securitization process, and what steps were NOT taken, and the results of these actions/inactions on the Chain of Title as shown by the County Records.

Many times clients and their attorneys lack competent evidence. The term “competent evidence” is used to refer to evidence that is directly relevant and of such nature that it can be admitted into evidence in a court of law. For a client considering going into litigation, a prior assessment of the potential violations surrounding the Chain of Tit le of a Securitized Mortgage Loan is a much-needed tool for determining whether there is a valid basis for proceeding with a legal action.

The goal is to arm one’s self with indisputable evidence so they may clearly and accurately demonstrate that the claims made by the foreclosing party may be inaccurate and/or fraudulent.  In addition to the written Chain of Title Analysis, our Investigators also create a customized infographic/flowchart/schematic to visually represent their findings regarding the path taken by the various parts of the client’s Mortgage Loan and the parties involved in the securitization process. This visual representation is invaluable in making the arguments indisputable and understandable to the clients, attorneys, and judges – A picture is truly worth a thousand words.

Now, let’s continue with a little role playing.

Opposing Counsel:”but Your Honor, the plaintiff has the burden of proof.  They are alleging that we sold the note.  Where’s the proof?”

You:”Your Honor, please see Exhibit C in our evidence as part of our initial complaint.  On Page X, you will find our loan listed as a permanent fixture in an SEC filing for the New York Mellons Bank Trust Series 1232342 REMIC in which this loan has been securitized.”

Judge: “Counsel, what do you have to say to that?”

Opposing Counsel:”I don’t know about this you’re Honor; I was informed by my client that they bought back the loan.”

You:  “Counsel, are you aware of FAS 140?  Under the Financial Accounting Standard 140, it says that once a loan has been sold into a pooling and servicing agreement, the lender forever loses control of the asset.”
“Are you aware that this loan is a permanent fixture of the New York Mellons Bank Trust Series 1232342 REMIC?”
“Where is the Chain of Title that gives your client the right to enforce the promissory note?”
“Are you aware that the promissory note has been discharged in the REMIC as a bad debt and that the individual share holders have received tax credit for this loss?”
“Are you aware that once a debt has been discharged, it loses its ability to collect?”
“Are you aware that your client bought the note as a discharged debt and an unsecured instrument?”

“I motion the court to have Counsel stipulate that you know with firsthand knowledge that the note has not been discharged as a non-performing asset. “If he cannot, then say… “I move the court to sanction opposing counsel for bringing fraud before the court.  Counsel misrepresents the facts in order to deceive the court.”

Keep in mind that the courts are absolutely corrupt and will try to rule against you at every opportunity. Therefore it is vital that you not only learn the rules of the game Jurisdictionary…but you must also learn how to land on them like a ton of bricks when they try to break the law and violate your legal rights!

FRAUD STOPPERS Private Members Association (PMA) has a PROVEN WAY to help you save time and money, and increase your odds of success, suing the banks for mortgage and foreclosure fraud.

Our primary focus is helping you get clear and marketable title to your property by arguing that the actions of the banks have made the security provisions of the mortgage/deed of trust unenforceable as a matter of law.

Take action right now and get the FACTS and EVIDENCE that you need to gain the legal remedy that  you deserve!

Now You Can Unlock the Power of Justice and the Rule of Law with FRAUD STOPPERS


Are you tired of being a victim of financial fraud, seeking the justice and legal remedy you deserve? Look no further – FRAUD STOPPERS is here to empower you with the comprehensive tools and support necessary for success. With a wide range of services tailored to your needs, we are your ultimate ally in the fight against fraud.

FRAUD STOPPERS Arsenal of Solutions includes but is not limited to:

  1. Audits & Investigations: Our team of skilled professionals will meticulously analyze your case, leaving no stone unturned in uncovering the truth. We employ cutting-edge techniques and resources to expose the fraud and gather irrefutable evidence. We are the only organization (to our knowledge) that can provide you with a Full Level 4 Bloomberg Securitization Audit and all the loan level data and trust information for all Government Sponsored Loans (GSE’s) and loan placed in private trust (shipped off shores) that do not report to the Securities and Exchange Commission (SEC).
  1. Expert Witness Affidavits & Testimony: Our network of esteemed experts will provide compelling affidavits and testify on your behalf, lending credibility and authority to your case. Their specialized knowledge and experience will strengthen your position in the legal battle.
  1. Turnkey Litigation Packages: We understand that navigating the complex legal landscape can be overwhelming. That's why we offer comprehensive litigation packages, equipped with all the necessary documents and strategies to mount a strong defense against fraudsters.
  1. Professional Paralegal Support: Our dedicated paralegals are committed to assisting you every step of the way. They will guide you through the process, offer invaluable insights, and provide crucial administrative support to ensure your case is well-prepared.
  1. Nationwide Attorney Networks: We have established a vast network of highly skilled attorneys across the country who specialize in fraud cases. Rest assured, you will be connected with a trusted legal expert who is passionate about seeking justice on your behalf.
  1. Legal Education and Training: At FRAUD STOPPERS, we believe that knowledge is power. That's why we provide comprehensive legal education and training resources, empowering you to understand your rights, navigate the legal system, and make informed decisions throughout your case.
  1. Debt Settlement Negotiations: Our experienced negotiators will engage with creditors on your behalf, striving to reach favorable debt settlement agreements. We will advocate for your interests, aiming to alleviate the financial burden caused by fraud.
  1. Private Lending: If you require financial assistance to support your legal battle, our private lending options can provide the necessary funding. Our trusted lending partners offer competitive rates and flexible terms, ensuring you have the resources to fight for justice.


And much more! Save Time, Money, and Increase Your Odds of Success with FRAUD STOPPERS' Proven Products and Programs

If you're serious about getting the legal remedy you deserve, FRAUD STOPPERS has everything you need to succeed while saving time, money, and increasing your odds of success. Our comprehensive range of proven products and programs is designed to streamline the process, maximize efficiency, and deliver results.

Time is of the essence when it comes to combating fraud, and we understand the importance of expediting your case. With our expertise and resources, we can minimize delays and ensure efficient progress. By leveraging our extensive experience in fraud investigations and legal strategies, you can navigate the complexities of the legal system with confidence, saving valuable time in the process.

We also recognize the financial burden that fraud can impose, and we are committed to providing cost-effective solutions. Our competitive rates for services, private lending options, and expert negotiation skills can help you save money while maximizing the value you receive. Rest assured that we strive to optimize your resources, enabling you to fight fraud without breaking the bank.

Partnering with FRAUD STOPPERS significantly increases your odds of success. Our proven track record and extensive network of experienced professionals ensure that you have the best possible resources at your disposal. From expert witness testimonies to strategic litigation packages and effective debt settlement negotiations, our carefully curated products and programs have a track record of achieving favorable outcomes. With FRAUD STOPPERS by your side, you can maximize your chances of holding fraudsters accountable and obtaining the justice you deserve.

By choosing FRAUD STOPPERS, you can save time, save money, and increase your odds of success. Our proven products and programs, combined with our commitment to your cause, empower you to reclaim your future. Take the first step towards justice by completing the form below.

Remember, with FRAUD STOPPERS, you have a trusted partner dedicated to saving you time, money, and increasing your chances of success. Let us fight by your side and help you put an end to fraud once and for all.

Our commitment to your success knows no bounds. We are constantly expanding our services and partnerships to provide you with the most effective tools in the fight against fraud.

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