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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A Senior's Guide to Making the Most of COVID-Related Life Changes By Bob Shannon The COVID-19 pandemic has changed everyday life. Senior citizens have been especially impacted due to the fact that they are a high-risk group, not to mention the constant threat of...

        Foreclosure Daily update ⋅ October 19, 2021     NEWS         Democrats Gopal, Houghtaling, and Downey Highlight Record of Protecting Tenants, Homeowners ... Insider NJ ... legislation that enacted a moratorium on foreclosures and evictions. ... end of 2021...

How to Be a Friend to Seniors in Your Community By Bob Shannon If you’re looking for some great ways to befriend and care for aging adults in your community, this guide is for you. Fraud Stoppers has compiled a list of resources with info on helping older adults,...

If you're looking for a Good Foreclosure Defense we think you should countersue for fraud; because its usually easier and more effective to win a fight, if you're the one attacking your opponent with overwhelming force! If you agree and want a 100% completely turnkey...

If a “Holder” Can Enforce a Promissory Note, Why Can’t He Enforce a Mortgage? by Neil Garfield If the claimant is only a holder it is highly probable that he is neither a holder in due course nor a true lender or creditor. If it was otherwise, he would say so. And...

Supreme Court Lifts Federal Eviction Moratorium The US Supreme Court on Thursday ruled to end the federal eviction moratorium, noting that any continuation of the program must be specifically authorized by Congress. “If a federally imposed eviction moratorium is to...

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

Deutsche National Trust Company Dies in NY!   Very promising development in a recent judicial foreclosure case out of New York State. A principal issue in the case was whether the foreclosing party (mortgagee, the typical designate in a judicial foreclosure...

How to Beat Zombie Foreclosures   Zombie foreclosures are like any other foreclosures: Challenge it in timely fashion and you are likely to be successful by Neil Garfield The problem with zombie foreclosures is not what you think, at least not entirely. You...

  He Who Has the Gold Makes the Rules: Thousands of Foreclosure and Eviction Cases Lacking in Jurisdiction and/or Merit by Neil Garfield ...homeowners would do well to consider the possibility that they don't deserve to be dunned in collection or foreclosure because...

COVID Mortgage Moratoriums Ended July 31 There is nothing wrong with homeowners winning these cases. Nobody is getting hurt when homeowners win. But everyone gets hurt when the investment banks win using hidden intermediaries and sham conduits to profit off the misery...

Foreclosure Defense For Dummies  Challenge Everything, Challenge Standing. Challenge Capacity. Challenge Agency. Challenge the amount of debt owed, who owes it, who gets it, where, when, why, ext. Challenge the mortgage loan documents, assignments, ext. And last but...

Is Your Mortgage Payment Actually Paying Down Your Mortgage?   Tracking The Presumed Payment of Value for the Underlying Debt by Neil Garfield One of the biggest lies in documents related to transactions with homeowners is "for value received." In most cases no...

Holder in Due Course Foreclosure Defense Argument   Foreclosure Defense: Holder in Due Course Argument Refined. It’s no magic bullet but it can be used effectively by Neil Garfield You should be careful about any argument based on the holder in due course. It is true...

Hidden Equity in Securitized Mortgages  It comes as no surprise to learn that the investment banks have been hiding things from us for decades, since 1983 when the era of securitization of debt came into existence. Back then the nominal value of derivates on the...

Sundquist v. Bank of America Case No. 10-35624-B-13J UNITED STATES BANKRUPTCY COURT EASTERN DISTRICT OF CALIFORNIA  2018  January  Sundquist v. Bank of America., N.A. (In re Sundquist) DOWNLOAD CASE PDF BK-CA-Sundquist-vs-BofA-opinion-45-million-damage-award  ...

Bank of America Liable for $45,000,000.00 in Punitive Damages for Mortgage & Foreclosure Fraud. Download and read lawsuit here. BK-CA-Sundquist-vs-BofA-opinion-45-million-damage-award It's wroth reading the entire case! Foreclosure Fraud Daily News update ⋅ July...

How to Use Discovery to Win Your Foreclosure Case or Mortgage Fraud Lawsuit    Download Free Discovery Package Here   If you want to pursue discovery, you have to follow the rules. The right to demand and enforce discovery does not exist in a vacuum. There...

How Wall Street Profits from Illegal Foreclosures   Homeowners: Where is the OUTRAGE? by Neil Garfield Homeowners have been brainwashed into thinking that there was never anything wrong with their "loan" transction at the beginning, in the middle or in the end...