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 the judicial environment resulting in the victimization of homeowners.

Some argue that “I tried that and it didn’t work.” The fact is that none of them are lawyers and none of them truly understood the securitization fallacies that we all deal with day after day. And no pro se litigant is a master of the rules of court, evidence, or procedure.

So here is my response:
A loss in a foreclosure case is not the fault of the homeowner nor is it a basis for asserting that justice was served. You are right that it is not the fault of the homeowner to have a lack of knowledge of the complicated intersection of law and finance. And you are also correct that ignorance of the rules of court is not the fault of people who go to court.

And most lawyers are in the same boat — no knowledge of finance which usually reduces the defense narrative to rubbish. And Judges are all lawyers, so the same thing applies.

But you are right when you get from my writing that homeowners share the blame for what happened and what is still happening.

The main point of this discussion is the ability and willingness to pay a good lawyer the fees required to do ALL of the work necessary. Homeowners all cry poverty when they are looking for a lawyer. They have already reduced their goals and expectations, to wit: instead of being in it to win it, they only want delay or settlement. So the value they put on a lawyer’s services are also diminished.

So the willingness of the homeowner to plunge into litigation that could turn out to be “expensive” results in retainer agreements with lawyers who are NOT paid to do all the investigation and research to narrow and sharpen the tip of the spear.

And the lawyer does not do the investigation and research and analysis. Such lawyers go to court with diminished expectations and without a strategic plan or tactical plan. The die is cast for nearly all such cases the moment that the issues are joined.

Everyone, including the homeowner themselves, believes that the transaction as a loan, it still exists and that the named “servicer” is performing servicing functions for a bona fide creditor. They admit to those presumptions directly or indirectly by referring to entities by the descriptive term used by the banks — all for the purpose of misleading the homeowner, the lawyer, and the court.

So the lawyer for the homeowner goes to court with no reasonable desire to win, a fact that is not lost on the judge who is simply playing the game of the appearance of due process. Homeowners will almost always slip up (and so does the lawyer) by calling the transaction a loan, by referring to the correspondent as a servicer, and by referring to the claimant as a bank.

This is not a philosophical discussion of what should be done. I deal with real-world realities. People challenge me all the time by pointing to cases where the homeowner lost. Did he or she ever think they deserved to win — or did they think that it would be great if they somehow escaped enforcement? The difference between losing and winning is in the intent of the homeowner and the lawyer.

The proof of the pudding is that the house, if it was free from any encumbrance, would represent a major asset that could be sold, thus providing a basis for a better lifestyle or retirement. But there is virtually no homeowner that I have ever spoken with who thinks that is a viable option. So they aim far lower and that is what they get — low results. In their hearts, homeowners believe that the loan is real because that is what they asked for and that is how it looked at “Closing.”

So they will admit and concede facts that are not true. The defense narrative in that scenario becomes “yes, but.” There is no “but”. If you have a legitimate debt owed to a creditor who is losing money because of your failure to make a payment, there is no “but.” But if you find that that there is no loan account and there is nothing to legally enforce, there is no “yes.”

Do you want to know how to win your case, with or without an attorney?

  • This is Going to be Easy!
  • Simple Case-Winning Strategies.
  • Court Procedures and Evidence Tactics.
  • Learn it all in a single weekend.
  • Everything you need.
  • Online access 24/7.
  • Save legal fees.
  • Control lawyers.
  • Persuade judges.
  • Created by an attorney with 36 years of experience.
  • No more guesswork.
  • Understand evidence and proper court procedure!
  • Sample legal forms included with explanations.
  • Watch 5-hour video seminar (54 clips).
  • Listen to 2½ hours of audio classrooms (25 clips).
  • Attend 44 legal tactics classes.
  • View procedural flowcharts and legal diagrams.
  • Ask questions and get answers in the Q&A Forum.
  • Do online legal research for free!
  • Pass Final Exam to earn your honorary law degree.
  • Everything you need to win.
  • First year only $249.
  • Extra years (if needed) $89.
  • Can't afford a lawyer?
  • Win without one!
  • Paying a lawyer?
  • Make your lawyer work for you!
  • Force witnesses to produce evidence.
  • Force lawyers to obey the rules.
  • Force judges to sign orders.
  • Force everyone to "play fair".
  • Quick and easy.
  • Step-by-step.
  • Any case.
  • Any court.
  • State or federal.
  • Civil or criminal.
  • If you're in a legal battle you must have this!
  • The official Jurisdictionary® course.

Click Here to Learn How to Win in Court

Why You Should Never Make an Admission to a Contract of Indebtedness


We understand the operating documents of the Pooling and Servicing Agreement and if the security evidence by the mortgage security instrument, conveyed with the tangible note negotiation, before the cut off data of the REMIC.

We are absolutely familiar with how you would sit down and break down a true sale from party A from party B to convey the security and to maintain the fiduciary duty under the Common Law Deed of Trust to release and reconvey, release and reconvey, to maintain clear and marketable title.

So, we know the foundation under the UCC for that.

Then, we also understand the underlying arguments that the banks and their attorneys use against people making securitization foreclosure defense arguments, which may have done a proper statement of fact as to what’s required to accomplish a true sale between all these parties and maintain perfection over the lien.

However the banks and their attorneys are going to succeed by not having a Chain of Title, by stating that they negotiated the note in Bearer Form under Article UCC 3205 Sub section B with no payee named as a bearer instrument.

This essentially gives them a purported temporary perfection of the original holder, while they physically transfer the instrument, by daisy chain, which doesn't require for them to maintain a Chain of Title, until the instrument is specially endorsed.

This is how the banks and their attorneys beat almost everybody from New York to California on standing, and whether or not they had a secured interest over the lien; because nobody has a the way to argue against whether or not they made the instrument of bearer paper and physically negotiated it, because they weren’t required to maintain a Chain of Title in that aspect.

So that’s how the banks and their attorneys are able to win nine times out of ten. Because what they're saying is that in the negotiation under 3205 B, the security followed the note, whenever the custodian of record received the instrument prior to the cut-off date, making the note and the security securing trust property before the cut-off date.

That's how the banks and their attorneys are able to beat you.

So let’s reverse engineer this, let's take that note all the way back to the closing, and reverse the whole concept and transaction.

What you have to be able to show is that you have one purported transaction, concealing the realistic transaction.

Did the lien’s beneficial interest maintain perfection, and was it therefore eligible to be negotiated with the note in that capacity, as statutorily required?

However what that would require that you were the actual creditor and that you actually made that note as a maker issuer, for the purposes of being the beneficiary of the debt that was created.

This is what the banks and their attorneys want you to believe in the matter of equity:

  1. That your signature was as a maker issuer and therefore created value to the instrument
  2. You negotiated with the party that you sat down at closing with
  3. They accepted the instrument by negotiation
  4. They were a federal reserved depository institution that could accept article three instruments by deposit
  5. They gave you consideration in the form of cash, not Ultra Vires, for your promise to pay instrument executing an underlying indebtedness contract


Well in an IRC 1031 Like Kind Exchange, Table Funded Securitized Mortgage Loan Transaction that didn't happen. That did not happen; that negotiation, acceptance and consideration is not what a table funded securitization transaction is! 


So the money is not created from your signature, negotiated and then the note negotiated between state to state physically, that doesn’t happen in a table funded transaction.  Rather it's in direct reverse engineer - the money was created from the sale of the certificates and the special deposit, special purpose vehicle on Wall Street.

They take the certificate holders funds to the securities to special deposit the pool of assets.  That pool of assets is used in the SPV alternative investment opportunity through the warehouse line of credit, and that's what the sponsor bank is using as the table funding credit in the transaction itself.

So yes, we would have some arguments like robo-signing and the improper negotiation, transfer, and delivery of the mortgage loan contract all the way through the securitization scheme, as part of the material defects found in the transactional scheme itself - but what we don't want to do is provide any language as an admission to you being the account debtor.

You also want to make sure you understand what is meant by using terms like the “alleged debt”, because you're going to piss the Judge off, really badly; a lot of people do it. Because, they don't know how to speak to the transaction as it relates to what that means.

So let me give you the perspective that the Judge is going to have. The Judge is only looking at the intent of the contract. So all the little details, the semantics of this right now, the first thing the Judge is going to do, is look at it from a cursory equity standpoint.

Q:  Did you intend to get a home

A:  Yes

Q:  Are you in a home?

A: Yes

Q:  Okay, so you're in the collateral.

A:  Yes

Q:  Okay and did you intend whenever you went to go get the home to get an obligation or a loan associated to that.

A:  Yes

Okay, yes that's obvious or else you wouldn't be in the collateral

Q:  Okay so you're in the collateral - an obligation exists - and you also pledged a lien to encumber your property to secure that obligation, so that if you couldn't perform on the contractual payment obligation the holder of the obligation would have the lien to enforce, do a foreclosure sale to enforce an ultimate means of collection.

A: Yes.

Okay.  So just looking at the intent of the contract, you are in the collateral, you know that you signed something at the closing- there's an obligation – and it's in default.

The institutions claiming to be the holder of that obligation and to be the secured party of record via an assignment of the security instrument perfected in public record.

Are there any other parties that are involved in this transaction?


And if some other financial institution was holding an obligation and saw that deed of trust or signed with a deed of trust recorded on public record, they would immediately file to acquire the title and they would be there defending their right to the obligation and the collateral itself.

So because there's no other financial institution showing up claiming to be the holder and to having a subsequent assignment of deed of trust or mortgage recorded for enforcing through a foreclosure action - than nine times out of ten - the Judge is going to give the party holding the obligation the benefit of the doubt as a matter of the intent of the contract.

So, in terms of the intent of the contract, this is where it becomes so viable for you to understand, what your capacity into the transaction is.

When the judge ask you:

“Did you sign the note - in the effort to get the collateral?”

Your answer is “Yes.”  - But you need to be able to specify the answer to yes as “well yes your honour but I’m not the account debtor.  I signed into this transaction as an accommodation party or guarantor. The party that I signed as a guarantor for, made available the obligation through a securitization transaction without my knowledge and purportedly negotiated the security evidence by the deed of trust/mortgage lien that I pledged to them, uniquely, to secure these receivables in this transaction as well. 

What I need to know your honour is does my lien secure the tangible contractual obligation or does it secure the receivables?”

The answer to the receivables is no. You cannot attach article 9 to the UCC receivables (securities) to enforce a lien on real property. A lien on real property under revised article nine is not secured by a lien on real property, so article nine does not fit the common law argument that the transfer of an obligation carries the beneficial interest of the lien and the lien itself.

Here is the lie that the banks almost always defeat homeowners with.

"Here's a copy of the note your honour, the security follows the obligation we all know that."

Yes, that’s accurate, under common law and U.S. Supreme Court. Carpenter v. Longan (1872) the note and mortgage are inseparable; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity.

Furthermore under revised article 9 of the Uniform Commercial Code (UCC) the banks do not necessarily have to record each transfer of the mortgage loan contract in public records; all they have to do is, in essence, be in possession of the note and they can claim rights to enforce it.

Therefore you need to be able to be able to explain (and prove) how your capacity is to the obligation. “Your honour I am not the account debtor.  I was a guarantor to this party.  I am not a guarantor to everybody else that claims to be the holder of the obligation"

And it’s their capacity of an accommodated party to the certificate holders on Wall Street.  They're not the real creditors.  Their job is to put the certificate holders into funds associated to your payment string.

All of this is predicated on laying the proper order of operations, in line with statutory capacities, that clearly part and parcel and separate the root question of: Does revised article nine and liens on real property secured defaulted receivables in a securitization transaction?

That's your root question.

You just have to be able to have it all put in the proper sequence in statutory capacities, as it relates to your state, and what took place in order to defend the lien itself the property.


How have you been harmed?


In pre-foreclosure it's not so much that you've actually been harmed, it's whether or not they have clean hands in the transaction.  So this, at its root is an Equitable Estoppel issue. In the like kind exchange transactional scheme there is a senior secured party and a junior secured party – the originator of the loan (named on the note as the lender) is the senior secured party, and the trustee for the REMIC trust is the junior secured party.

But it's one transactional scheme, its one organism, so you have to be able to show that they - in the race of diligence - that the junior secured party made sure that the originator recorded that underlying security of trust, so they could perform the rest of the transaction.  But ten years later upon default of the receivables, to cause an assignment of the beneficial interest of evidence about your underlying security instrument, that security instrument doesn't maintain perfection from now, until infinity. You can lose perfection over that lien. 

So, having the proper capacity, order of operations, and then statement of facts of how they lost perfection, and to show that it is inequitable for the holder of the receivables to attempt to cause an assignment of the underlying security instrument, because they were only negotiated the receivables, with unclean hands. That’s what you have to show that they don't have an equitable claim to.

Hypothecation is a third party pledging collateral on your behalf. So, let's say for instance, if you pledged the real property to the originator party on the ten thirty one exchange transaction scheme you specifically gave legal title to that party. Not to the trustee under that instrument, and the beneficiary of the security instrument. The beneficiary of the security instrument then in turn pledged a separate and subsequent value - which is the proceeds of the real property.

Let me give you an example.  Consider a wheat field. The land is the real property, but the Wheat and the Harvest are the proceeds of the real property.

In this securitization transaction the original secured party is granting the proceeds, the actual required collateral to the real property and hypothecating that proceed as the payment intangible, which is the transferable record on the obligation.

So, you have to be able to show that it's under revised article nine; it does not apply to liens on real property.  It may apply to title loans, student loans, and unsecured obligations, but it does not apply to liens on real property.

Remember, it's either you sold the contract in its entirety to a successor and interest through a true sale; or you sold the underlying tangible value of the contract.

Remember when people paid off their loans and they received their notes and their deed back, and they would have deed burning parties?

That doesn't happen anymore because that transactional scheme where that was your note, that you made and negotiated with a bank that could accept it, deposit it, and give you real money for a loan so you could purchase the property.  That’s the savings and loan model.

In that transaction the bank you contracted with actually risked giving you real money, and was going to hold that thirty year instrument until its full rate of return.  Its portfolio division wanted to buy that obligation and they underwrote you as your credit worthiness and they gave you the loan.  You had skin in the game, you qualified financially and they were willing to take a risk on you.  That was a real contract between you and the bank.

But what happened with the securitization bubble is they lifted the Glass–Steagall Act and the Gramm Bliley Leach Act and they made way for this transactional scheme were they could divert the risk of creating the money, which was done by lying and cheating the certificate holders through a perspective supplement which was pre-fabricated on the yield spread of those securities, under the nineteen thirty three, thirty four Security and Exchange act.

So they went to Standards & Poor’s and they got all those credit enhancements and they pre-sold those securities. Well that’s what the special deposit is for the REMIC trust, the trust vehicle; the special purpose vehicle. So, through special deposit, they generated those funds with the sale of the securities, that’s what makes the credit swaps available for the sponsor bank, to work with the originator to the table fund transaction.

Once you’re able to understand the blue print of the transaction and then you set the order of operations in place, and then you couch the interested parties, and then couch their capacity, and then what are they negotiating and what’s its statutory intangible interest, and what governs that, and once you set the mouse trap in place, and it can follow the order of operation it’s not that complicated.

To get to the root question you just have to be able to see all of that and to be able to understand the root question.

The root question is “in what capacity did you sign the note (as maker/issuer) or as an (accommodation party/guarantor)?


Foreclosure Daily News Update ⋅ April 20, 2022


Is Buying Foreclosures a Good Real Estate Investment? | The Motley Fool

The Motley Fool

Foreclosed homes can often be purchased at a discount. But when you buy a foreclosure, you may not really know what you’re getting. Motley …

Foreclosure vs Pre-Foreclosure | Hayes Realty Real Estate Podcast | Podcasts on Audible –

Full Coverage




Saunders & Associates Protects Borrower’s Rights with Wrongful Foreclosure, Real Estate …

PR Newswire

PRNewswire/ — In today’s economy, foreclosure sales are happening with increased frequency. If you need a law firm to handle all of your …

Foreclosure Rules in Maryland If You Apply for Homeowner Assistance | Nolo – Nolo

Commercial Foreclosure Checklist (FL) | Practical Law – Practical Law – Thomson Reuters

Residential Foreclosures (OH) | Practical Law – Westlaw – Westlaw

Full Coverage




Foreclosure | Legal Announcements | – Opelika Auburn News

Foreclosure | Legal Announcements |

L5455 NOTICE OF FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Michael …




Foreclosure | Legal Announcements | – Opelika Auburn News

Foreclosure | Legal Announcements |

L5424 NOTICE OF MORTGAGE FORECLOSURE SALE STATE OF Alabama COUNTY OF LEE Default having been made of the terms of the loan documents secured by …

Parties to suits for foreclosure, sale and redemption | Transfer of% | Bare Acts | Law Library – AdvocateKhoj

Full Coverage




Is Buying Foreclosures a Good Real Estate Investment? | Nasdaq


The primary benefit of buying a foreclosed property? The option to snag a discount. You’re generally looking at paying less for a foreclosure than a …

Buying Before Foreclosure – BiggerPockets – BiggerPockets

FORECLOSURE CASH/LINK! – real estate wanted – Craigslist – Craigslist

Full Coverage




Foreclosure Postponement | Legal Announcements |

Opelika Auburn News

L5138 CONTINUATION OF MORTGAGE FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage …

Legal Notice Sale of Real Estate Clark County – Classifieds – Classifieds

Full Coverage





The Bemidji Pioneer


Real Estate | Monteleon Law Group | White Plains, NY – Monteleon Law Group

Full Coverage




Notice of Mortgage Foreclosure Sale | Northwest Alabamian

Northwest Alabamian

FORECLOSURE SALE. WHEREAS, default has occurred in the performance of the covenants terms and conditions of that mortgage from Karen Jones, …




Full Block Of UES Businesses Face Foreclosure As Bank Demands $12M – Patch


A series of shops in a famed Upper East Side condo are facing foreclosure, according to a new lawsuit against their billionaire landlord.




Foreclosure Sale Publish April 20, 27, M – Alexandria Echo Press

Echo Press

Foreclosure Sale Publish April 20, 27, May 4, 11, 18, 25, 2022 NOTICE OF MORTGAGE FORECLOSURE SALE THE RIGHT TO VERIFICATION OF THE DEBT AND …

Collin County Foreclosure Notices – Collin County Foreclosure Notices

Collin County Foreclosure Notices – Collin County Foreclosure Notices

Collin County Foreclosure Notices – Collin County Foreclosure Notices

Full Coverage




All the Info for Orange County Tax Foreclosure Auction May 2022 – 101.5 WPDH

101.5 WPDH

Another tax foreclosure auction taking place, this time its 200 parcels in Orange County, NY. Here’s the info:





Randolph Leader

MORTGAGE FORECLOSURE SALE. Default having been made in the payment of the indebtedness secured by that certain mortgage executed by Ronald LePriol …




Notice of Foreclosure Sale – Case No. 21 CV 82

Burnett County Sentinel

PLEASE TAKE NOTICE that, by virtue of a judgment of foreclosure entered on February 3, 2022, in the amount of $121,192.12, the undersigned Sheriff …




South Carolina now ranks worst in the country for evictions, foreclosures, Census survey finds


MYRTLE BEACH S.C. (WBTW) — South Carolina now ranks worst in the country for “likelihood of eviction or foreclosure” according to a new Census …




How to stop foreclosure in Illinois – The Libertarian Republic

The Libertarian Republic

What is foreclosure. Technically any credit, all the money you take from the bank for you to cover any expenses is a loan. It does not matter …

Veterans Administration Help to Avoid Foreclosure | Millville MA – Millville MA |

Full Coverage




Mortgagee’s Notice of Foreclosure Sale of Real Property | Legals |

Times Argus





Notice of Foreclosure Sale: 301 Depot Street, Burke | Seven Days | Vermont’s Independent Voice

Seven Days

In accordance with the Judgment Order and Decree of Foreclosure entered January 27, 2022 in the above captioned action brought to foreclose that …




Notice of Foreclosure Sale: 370 Lovers Lane, Bristol | Seven Days | Vermont’s Independent Voice

Seven Days





Unable to get a mortgage, millions of Americans turn to risky lenders, but at what cost? – USA Today

USA Today

Homes covered in this agreement can be quickly repossessed and aren’t subject to a traditional foreclosure process. Seller-financed mortgages …

foreclosed homes under 500 dollars near me. We provide superb quality without wringing you out … – Kitchen of Doom Productions

Full Coverage




Saunders & Associates Protects Borrower’s Rights with Wrongful Foreclosure, Real … – Benzinga


foreclosure sales are happening with increased frequency. If you need a law firm to handle all of your foreclosure needs, Saunders &




LEGAL NOTICES – The Taylorsville Times

The Taylorsville Times

NOTICE OF SUBSTITUTE TRUSTEE’S FORECLOSURE SALE OF REAL PROPERTY. UNDER AND BY VIRTUE of the power and authority contained in that certain Deed of …

Residential Foreclosures (Judicial) (CA) | Practical Law – Westlaw – Westlaw

Keep Chicago Renting Foreclosure Ordinance (IL) | Practical Law – Practical Law – Thomson Reuters

Tax Foreclosure Attorney for Homeowners | Philadelphia Lawyer – Sadek and Cooper Law Offices – Sadek and Cooper Law Offices

Full Coverage




Some struggling to pay property taxes turning to high-interest lenders – San Antonio Report

San Antonio Report

Property tax lenders offer to help desperate homeowners and businesses safeguard their properties from foreclosure by offering immediate loans …




Behind the Byline: Rich Lord – The Pittsburgh 100

The Pittsburgh 100

Others were getting foreclosed because their mortgage terms changed dramatically, and they could no longer afford it. Others were being foreclosed …




The Collective Site in Wynwood Heads to Auction This Week – The Real Deal

The Real Deal

New York-based Gamma Real Estate, led by the Kalikow family, filed a UCC foreclosure auction for The Collective’s Wynwood site at 166 Northwest 29th …




Dutch Buy-to-let Mortgages: A Primer – Fitch Ratings

Fitch Ratings

Fitch Credit StanceFitch has defined foreclosure frequency assumptions in the Dutch BTL market more conservatively than for peer markets due to …




PUBLIC NOTICE | Public Notices |

PUBLIC NOTICE | Public Notices |

GOODYEAR TOWING gives Notice of Foreclosure of Lien and intent to sell these vehicles on May 27, 2022 at 9:00am at 19109 Hwy 134 Enterprise, …




Latest bankruptcy filing for Central Warehouse owner dismissed – Albany Business Review

The Business Journals

“There remains a pending state court proceeding to vacate the county’s delinquent real property tax lien foreclosure judgment,” according to a …




The Simplest & Hassle-Free Process to Sell your House in Raleigh with Easy Sale HomeBuyers

Digital Journal

Whether it is a foreclosure or simply a house that has become too much of a burden, Easy Sale HomeBuyers can make a deal to buy the property fast …




Arkansas rent relief program closes – Southwest Times Record

Southwest Times Record

7, 41.4% of Arkansas households surveyed said they were not current on rent or mortgage, making eviction or foreclosure either very likely or …




Applications being accepted for homeowner assistance | Community |

Effingham Daily News

… mortgage payments, property taxes, property insurance or homeowner/condo association fees to prevent delinquency, default and foreclosure.




EST/THOMPSON, L. | Legal Announcements |

The Wetumpka Herald





Mortgage Money Available – WIBW News Now

WIBW News Now

… is meant to help qualifying Kansans get current on their mortgages and property taxes, and avoid foreclosure. To qualify for assistance, …




Pivot! Pivot! 8 Tips To Expertly Prepare For A Market Shift – Inman


“Another good certification from the National Association of Realtors is for short sale and foreclosure resource agents.




Commission approves grant requests | News, Sports, Jobs

Minot Daily News

… demolition of the Olson Apartment building in Kenmare that was obtained through tax foreclosure, a drone to spray for weeds, a new bookmobile, …




Sawa Credit Inc. Raises $3M in Seed Round for First-of-its-Kind Online Community to Build …

Yahoo Finance

… to eviction, foreclosure, or bankruptcy. Sawa’s founders compare their community platform to a “pay it forward” model for mortgages and rent.





Genesee Sun

Help for Homeowners: Provides resources for homeownership counseling, foreclosure prevention, and information about the foreclosure process.




In the courts: | News, Sports, Jobs – The Review

In the courts: | News, Sports, Jobs – The Review

CitiBank vs. Donald and Nachelle McGrath, et al., foreclosure sought for property on Endley Road, Lisbon. Rachel M. Hill, Salem, vs. William and …




S & J Everything Closing, Will Still Run Estate Sales Under New Name – Fox21Online

Olson says their estate sale clean out and foreclosure business will continue under the name Yellow Bird Sales. Instead of having their store, …




Why has development stalled at the McKinley Mall? |


Kohan Retail Investment Group bought the mall for a modest $8.5 million. The McKinley Mall site had been in foreclosure since 2018. Kohan had signed a …




Pushback with Columnist Al Norman: Let’s end ‘home equity theft’ – The Recorder

The Recorder

all of the taxpayer’s rights in the property … are terminated by the foreclosure process. Title to the taxpayer’s real estate is taken by the …




Russian Bankers Suggest Criminalizing Crypto Storage in Non-Custodial Wallets – Bitcoin News

Bitcoin News

Challenges with foreclosure and seizure of crypto assets held by debtors and criminals have motivated the Association of Banks of Russia (ABR) to …




DisAbility Awareness Day at the auto bureau – Ken-Ton Bee

Ken-Ton Bee

Nearly 3,000 pre-foreclosure default notices served in Erie County over last six months. According to data from New York State Department of …




FHA adds a 40-year loan period to the COVID-19 arsenal – Community99


… of Housing and Urban Development said the implementation of such an option could prevent “several thousand borrowers a year from foreclosure.”.




How To Buy A House With Little Or No Money Down – Crossroads Today

Crossroads Today

The “VA home loan guaranty” is an agreement that the VA will reimburse a lender in the event of loss due to foreclosure—this takes the place of …





Residential Foreclosure Flowchart (Statutory Power of Sale and Foreclosure by Entry) (MA) – Westlaw


A Flowchart outlining the primary considerations, requirements, and processes for conducting non-judicial foreclosures (under a statutory power of …




Commercial Foreclosure Checklist (Statutory Power of Sale and Foreclosure by Entry) (MA)


A Checklist outlining the primary considerations, requirements, and processes for conducting non-judicial foreclosures involving commercial real …




SI Foreclosure Services (Real estate agency) – Hudson County, New Jersey – Helpmecovid


Address of SI Foreclosure Services is 317 Cary Ave, Staten Island, NY 10310, USA. SI Foreclosure Services has quite many listed places around it and …




Modification and Foreclosure Solutions Network (Lawyer) – Lake County, Illinois – Helpmecovid


Address of Modification and Foreclosure Solutions Network is 70 S US-45 #208, Grayslake, IL 60030, USA. Modification and Foreclosure Solutions Network …




Classifieds Page – Southwest Regional Publishing

Southwest Regional Publishing

SRP Classified Ads. Help Wanted: Full time medical assistant · Foreclosure Notice · Foreclosure Notice · Foreclosure Notice · Foreclosure Notice.




How 100000 families lost their homes to foreclosure in Detroit – illegal tax assessments –

This lead to an estimated 100,000 Detroit families 56% of which were black to lose their homes to foreclosure do to the over assessments.




Mortgage Fraud Daily News Update ⋅ April 20, 2022


Recidivist Fraudster Indicted In Connection With At Least $40 Million Ponzi Scheme, SBA …

Department of Justice

Co-Defendant Charged in SBA Loan Fraud Scheme. Damian Williams, United States Attorney for the Southern District of New York, and Michael J. Driscoll, …

Recidivist Fraudster Indicted In Connection With At Least $40 Million Ponzi Scheme, SBA … – Tech Stations

Full Coverage




9 mortgage scams to avoid at all costs – MSN


Mortgage fraud refers to lying or omitting information to fund or insure a mortgage loan. It results in billions of dollars in annual losses …




Union County Man Admits Committing Wire Fraud and Making False Reports and …

Department of Justice

The following year, Adams arranged for a close associate to obtain a $153,562 loan from a mortgage lender to purchase the Hilton Street property …




Churchill Mortgage Corporation Data Breach Compromises Social Security Numbers and …

JD Supra

To learn more about how to protect yourself from becoming a victim of fraud or identity theft and what your legal options are in the wake of the …




Lenders Of $51M Must Face Corporate Borrowers’ Fraud Claim – Law360


A Georgia state court judge has denied a request by lenders of $51 million in federally guaranteed mortgages that she reconsider her decision …




Locke Lord Adds Health Fraud Expert To White Collar Team – Law360


A former federal prosecutor who handled one of the largest mortgage fraud trials in Boston history has joined Locke Lord’s white collar defense …




New Providence Man Pleaded Guilty to Committing Wire Fraud | Berkeley Heights, NJ News TAPinto


The next year, Adams arranged for a close associate to obtain a $153,562 loan from a mortgage lender to purchase the Hilton Street property from …




DOJ to charge nearly two dozen for allegedly defrauding $150 million in COVID-19 aid | Fox News

Fox News

Fraud 4,000 times easier to commit today: Frank Abagnale … TEXAS MEN CHARGED IN MASSIVE $35 MILLION COVID-19 RELIEF LOAN FRAUD.




Locke Lord lures former federal prosecutor | ICLG


A Jones Day of counsel and former assistant US attorney has moved his white-collar and fraud practice to Locke Lord in Boston, stepping up to …




Federal fraud trial of councilman, wife ends in mistrial – Times Union

Times Union

PHILADELPHIA (AP) — The federal fraud trial of a Philadelphia City Council member and…




IMF Recommends More Regulation to Reduce FinTech, Crypto Risks –

As an example, the IMF described the mortgage market in the U.S., … Read more: Federal Reserve Bans Six Bankers for COVID-19 Loan Fraud.




2nd man sentenced in Vermont visa fraud case – Times Union

Times Union

Kelly was indicted in 2019 on multiple fraud charges along with Miami businessman Ariel Quiros, the former owner of Jay Peak and Burke Mountain ski …




Barnes & Thornburg Adds Ex-Asst. U.S. Atty In San Diego – Law360


… tax offenses, art forgery, investment fraud, money laundering, procurement fraud, public corruption, mortgage fraud and embezzlement.




98% of those rejected for a mortgage go on to secure finance | Financial Reporter

Financial Reporter

‘Non-vanilla’ borrowers are still being turned down for financial products and services, according to new research from Bluestone Mortgages.




The DNA Of Modern Fraudsters – Forbes


Now more than ever, it’s crucial for businesses and fraud specialists to work together to understand and adapt to the threat we face.




United Trust Bank celebrates £1bn of lending – Mortgage Finance Gazette

Mortgage Finance Gazette

UTB Mortgages, the bank’s mortgage division, launched in 2015 with a limited range of second charge mortgages. The bank has since expanded its product …




March home sales fall as mortgage rates, home prices climb – NewsTimes


Sales were down 4.5% from March 2021. The slowdown came as mortgage rates surged, with the average rate on a 30-year fixed-rate home loan climbing to …




Accord reprices buy-to-let range | Financial Reporter

Financial Reporter

Accord Mortgages is making a series of changes to its buy-to-let mortgage range this week.




Hampden & Co sees total income up 29% for 2021 – Mortgage Finance Gazette

Mortgage Finance Gazette

… strong demand for its lending solutions, which include residential, retirement, family guarantor, multi-property and buy-to-let mortgages.




finova launches broker ID platform | Financial Reporter

Financial Reporter

Cloud-based mortgage and savings technology provider, finova, has announced the launch of Broker ID – a data management platform designed to save …




2nd man sentenced in Vermont visa fraud case –


Kelly was indicted in 2019 on multiple fraud charges along with Miami … Here’s what you need to know and consider when refinancing your mortgage.




Regulator to force listed companies to detail diversity information – Mortgage Finance Gazette

Mortgage Finance Gazette

he Financial Conduct Authority will move ahead with rules to force listed companies to disclose diversity information.




Delco Launches Free Property Fraud Protection Service | Haverford, PA Patch


document—such as a mortgage, deed, or mortgage satisfaction—related to a specific parcel is recorded under that parcel’s ID. Find out what’s happening …




Maryland Department of Human Services Offers Customers Ways to Protect Themselves …

The Southern Maryland Chronicle

DHS issues EBT cards to SNAP and TCA recipients to access their benefits. According to DHS’s Inspector General, benefit fraud is on the rise in …




SEC charges 16 with international penny stock scheme – Financial Regulation News

Financial Regulation News –

… microcap stock fraud schemes ever charged by the SEC,” Gurbir Grewal, … Commercial, multifamily mortgage lending expected to hold steady in …




What brokers can learn from borrowers who want to futureproof their mortgages | Financial Reporter

Financial Reporter

Not that long ago, the ten-year fixed rate mortgage was something of a rarity. The idea of opting for such a lengthy deal was very much out of the …




New tool fast-tracks document signature verification process | Mortgage Professional Australia

Mortgage Professional America

This meant the digital signature couldn’t be completed by anyone else, making it more secure and less open to fraud than previous processes.




Fresno man sentenced in federal fraud case. He’s ordered to pay $1.9 million in restitution

The Fresno Bee

A Fresno man was sentenced in federal court on eight counts of wire fraud, bank fraud and tax evasion. Kenneth Shane Patterson plead guilty in …




Pennymac Mortgage Investment Trust is Oversold | Nasdaq


Pennymac Mortgage Investment Trust (Symbol: PMT) presently has an … Tesla Stockholders Ask Judge to Silence Musk in Fraud Case Apr 18, 2022.




‘We’ll feel mortgage free!’ Couple share how they got rid of £800 monthly payments – Daily Express

Daily Express

READ MORE: Man, 77, issues warning after being targeted for £6,000 in scam call. lifetime mortgage equity release. Mortgage: Couple share how …




NS3 Preview: The latest Innovations in title insurance ​ | News by Edition


As the threat of data loss and wire fraud continues to escalate in the … Learn the latest trends in the mortgage transaction from the annual …




Fresno Man Sentenced to 66 Months for Fraud and Income Tax Evasion – Explore. Explain. Expose

GV Wire

Mortgage industry sources say a loan at that rate for that time period is a deal. Adventure Church pastor Anthony Flores was highly critical of the …




USDA Loan: Why You Might Want to Get It – The Southern Maryland Chronicle

The Southern Maryland Chronicle

If a property purchased with a USDA loan is used in any way other than a primary residence, you may be charged with mortgage fraud that may have …




As BNPL usage increases, so does risk of fraud, study claims | Fox Business

Fox Business

Read on to learn about how BNPL users are experiencing fraud, as well as alternatives to those services like a personal loan. With Credible, for …




Eight Must Reads for the CRE Industry Today (April 20, 2022) – Wealth Management

Wealth Management

“The mortgage lender announced another round of layoffs on Tuesday after cutting roughly 900 people late last year in a mass firing …




Mortgage rates soar as housing market cools –


Watch NBC Nightly News with Lester Holt excerpt ‘Mortgage rates soar as … Justice Department prosecuting massive pandemic relief fraud: ‘Our …




What is identity theft? Know the warning signs | TechRadar


… which typically involves someone using someone else’s Social Security number, the aforementioned credit card fraud, and loan or lease fraud.

Mortgage Wire Fraud in the Internet Age | FinTalk – Jack Henry & Associates – Jack Henry & Associates

Full Coverage




Churchill Mortgage Corporation Data breach compromises CPR numbers and financial …


… fraud or identity theft, and what your legal options are in the wake of Churchill Mortgage data breach, check out our latest blog post here.




Today’s 30-year mortgage rates climb, 3 other terms hold | April 19, 2022

Fox Business

Check out the mortgage rates for April 19, 2022, which are mostly unchanged from yesterday.




What to Look for in an Energy-Efficient Rental – My Home by Freddie Mac

Freddie Mac

Mortgage Lookup Tool · Rental Lookup Tool · CreditSmart · Borrower Notification Letter. Our Company. About Freddie Mac.




B.C. Hells Angel accused of making millions in fraudulent stock schemes | Vancouver Sun

Vancouver Sun

Nor does he have a criminal record. But he was once a principal at Eron Mortgage, the company that defrauded B.C. residents of tens of millions of …




TASK Investors Have Opportunity to Lead TaskUs, Inc. Securities Fraud Lawsuit – Benzinga


BENSALEM, Pa., April 19, 2022 /PRNewswire/ — Law Offices of Howard G. Smith announces that investors with substantial losses have opportunity to …




GATO Investors Have Opportunity to Lead Gatos Silver, Inc. Securities Fraud Lawsuit – Benzinga


LOS ANGELES, April 19, 2022 /PRNewswire/ — The Law Offices of Frank R. Cruz announces that investors with substantial losses have opportunity to …




The Top Click Fraud Software Vendors According to the FeaturedCustomers Spring 2022 …


FeaturedCustomers releases the Spring 2022 Click Fraud Software Customer Success Report. SUNRISE, Fla. (PRWEB) April 19, 2022 Today …





Law Society updates Mortgage Fraud practice note – Westlaw


An update on the Law Society’s updated practice note on mortgage fraud published on 15 April 2009.




Fraud Prevention Definition – MeaningKosh

English to Bangla Translation | Meaning in Bengali | Learn English Grammar | MeaningKosh

Healthcare Fraud Prevention Partnership | CMS; Mortgage Fraud Prevention | Fannie Mae. 1. What is Fraud …





FRAUD STOPPERS Daily update ⋅ April 20, 2022




Fraud Suspect in Saanich – Greater Victoria Crime Stoppers

Greater Victoria Crime Stoppers

They are a suspect in a fraud case where stolen credit cards were used to illegally buy goods. If you recognize them and wish to tell us anonymously …





9 mortgage scams to avoid at all costs

Sheryl Nance-Nash – Tuesday

Mortgage Fraud Need-to-Knows

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.

Ready to get started?

Simply complete the form below to begin your journey towards justice. Once submitted, check your email inbox or email spam folder for detailed instructions on how to move your file forward.

Remember, you don't have to face fraud alone – FRAUD STOPPERS is here to champion your cause and bring you the justice you deserve.

Join us in the battle against fraud today!

Complete the form below and then after submission, check your email inbox or spam folder for detailed instructions on how to move your file forward to get the legal remedy you seek and deserve.



Fraud Stoppers Logo

THIS SITE IS NOT INTENDED TO BE MISCONSTRUED AS LEGAL ADVICE. FRAUD STOPPERS is a Private Members Association PMA. FRAUD STOPPERS PMA is NOT a law firm, non-profit organization, or government agency.  FRAUD STOPPERS PMA does not operate in the public sector. Although this website is visible to the public  FRAUD STOPPERS PMA does not intend for any information contained in this website to be considered as legal advise.

The information about Foreclosure law and other legal information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.  Information on this website may not constitute the most up-to-date legal or other information.  This website contains links to other third-party websites.  Such links are only for the convenience of the reader, user or browser; FRAUD STOPPERS and its members do not recommend or endorse the contents of the third-party sites.

Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter.  No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction.  Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation.  Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, contributing law firms, or committee members and their respective employers. This site provides “information” about the law and is only designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice — the application of law to an individual’s specific circumstances.

The views expressed at, or through, this site are those of the individual authors writing in their individual capacities only – not those of their respective employers, FRAUD STOPPERS, or committee/task force as a whole.  All liability with respect to actions taken or not taken based on the contents of this site are hereby expressly disclaimed.  The content on this posting is provided “as is;” no representations are made that the content is error-free.

For instant access to an affordable local competent attorney click here


Spread the love