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, statements, and notices sent out under the letterhead of some company that is claimed to be a servicer.
This is important information as it supports the premise about the role of companies who are named “servicers.” In plain language, the named “servicer” can honestly say that they never said that. In plain language, they can honestly say that they were only hired to report on data provided by third parties. This information they have uncovered shows that previously unknown third parties were the actual parties who were using these mailing addresses. This is important because there is no disclosure about the source of data.
This is an obtuse concept to virtually anyone who is not a trial lawyer. Why would anyone other than the named “servicer” be allowing a third party to receive and send correspondence, notices, and statements in its name? Their answer of course is that they can outsource anything and it is their right to do so. But in order to outsource a function, you must have the right and duty to perform the function in the first instance.
The next level of analysis is even more important: If third parties are physically handling the checks through the hidden use of these mailing addresses, and they are physically receiving the money sent in by homeowners and third parties are receiving the notices of electronic payment, then those are the only parties who are receiving the checks and notice of electronic payments. This is not rocket science. You can’t account for a transaction in which you were not the least bit involved. If you produce such an accounting it is fictional and not evidence. At best it is a report of a report which is clearly barred by hearsay.
And if the deposits are made to an account not controlled by the named “Servicer,” then there is no legal basis for asserting that records of receipts are records of the “servicer.” The servicer in such instances is merely reporting on the receipt of reports issued by third parties.
Here is a fictional summary of real testimony. This is not complete nor necessarily accurate, but it is a reliable guide for the practitioner who is seeking to blow the witness up at trial. I publish it simply because there is nothing any law firm can do about it. They have no client and there is no claim.
The plain truth is that companies named as servicers do not receive or disburse money from homeowners. Therefore their records consist entirely of reports received from others. Accordingly, they are not admissible in evidence because they are barred by the hearsay rule. You can get them out with a motion to strike or keep them out with objections after voir dire. Without them, there is no case. There is no case because there is no real claim.
NOTE: You can use the same structure to show that the law firm might represent the company named as servicer but does not represent or have an attorney-client relationship with the “trustee” named as claimant or Plaintiff in the foreclosure action.
Mortgage Fraud Daily News Update ⋅ March 31, 2022 |
||||
Connecticut Couple Pays $169K to Resolve Allegations of Covid-Relief Loan Fraud | USAO-CT Department of Justice Connecticut Couple Pays $169K to Resolve Allegations of Covid-Relief Loan Fraud. Leonard C Boyle, United States Attorney for the District of …
|
||||
CFO sentenced for part in $33 million insurance fraud case Insurance Business America A Connecticut woman has been sentenced to 66 months in prison for her role in an insurance and loan fraud scheme worth $33 million.
|
||||
Judge Orders Prison for Second Man Accused of Fraud as Part of North Andover Short Sale Co. WHAV The second of two men, who operated a North Andover mortgage short sale assistance company, was sentenced this week by a federal judge to seven …
|
||||
A 10-year retrospective on the multimillion-dollar scheme that rocked the Monadnock Region Monadnock Ledger-Transcript In comparison, the largest investment Ponzi scheme in New Hampshire’s history was the Financial Resources Mortgage fraud, in which a group of 150 …
|
||||
Boston BLM activist Monica Cannon-Grant and her husband deny fraud charges | Daily Mail Online Daily Mail On Tuesday, they pleaded not guilty to wire fraud, conspiracy, and making false statements on a mortgage application, when they appeared at their …
|
||||
Biden pushing more COVID relief but is silent on billions lost to fraud | Fox Business Fox Business There was also a sizable chunk of emergency money for things like the Paycheck Protection Program, the Economic Injury Disaster Loan Program and …
|
||||
Ex-CFO Of Wilton Company Sentenced In $33 Mil. Fraud Scheme: Feds - Patch Patch Trumbull resident Erin Verespy was sentenced to 66 months in prison for her role in a $33 million insurance and loan fraud scheme while she worked …
|
||||
Polygraph: Pay Day Loans Sector Targeted by Click Fraud Scammers - Yahoo Finance Yahoo Finance It is a growing menace for all online businesses, although some are more at risk than others – with pay day loan companies rapidly becoming the …
|
||||
Partnership aims to streamline handling of pandemic relief fraud cases - CBS19 News - CBS19 News - (CBS19 NEWS) — A new partnership aims to target fraud cases involving certain loans, loan guarantees and investments of COVID-19 relief funding.
|
||||
Former Kentucky prosecutor, wife plead guilty to wire fraud - Times Union Times Union (AP) — A former Kentucky prosecutor and his wife have pleaded guilty to federal wire fraud charges. Michael T. Hogan was the county attorney in …
|
||||
Newburgh Heights mayor charged with elections fraud, theft - Cleveland 19 News Cleveland 19 News Newburgh Heights Mayor Trevor Elkins is charged with elections fraud and theft … 19 Investigates helps Lorain County woman who says her mortgage …
|
||||
Polygraph: Pay Day Loans Sector Targeted by Click Fraud Scammers - Benzinga Benzinga By displaying adverts based on more than 1,000 of the most popular pay day loan related keywords, the criminal gangs are diverting huge sums of money …
|
||||
Moody’s assigns provisional ratings to Prime RMBS issued by Citigroup Mortgage Loan … Yahoo Finance Approximately 39.5%, 23.2% and 21.7% of the mortgage loans (by UPB) were … of transaction parties, inadequate transaction governance and fraud.
|
||||
Fannie Mae COO To Resign in April - National Mortgage Professional National Mortgage Professional Feds Indict Two On Multi-State Mortgage Fraud Charges. California duo allegedly used credit repair business to obtain fraudulent mortgages.
|
||||
COMM 2014-UBS3 Mortgage Trust — Moody’s affirms nine classes of COMM … - Yahoo Finance Yahoo Finance The certificates are collateralized by 41 mortgage loans ranging in size … including but not limited to by any negligence (but excluding fraud, … TikTok Investors on Twitter: “My guy over here admitting to mortgage fraud lol. https://t.co … - twitter.com How to Avoid Mortgage Loan Fraud - Keep Your Home, Don’t Go to Jail! - Stinfolar.com - Stinfolar.com
|
||||
Mortgage refinance demand plunges 60 percent, as rates hit their highest level since 2018 NBC News The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($647,200 or less) increased to 4.80 percent …
|
||||
As Mortgage Rates Soar, ReFis Crash | Credit Union Times Credit Union Times The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($647,200 or less) increased to 4.80% last week from …
|
||||
Ask Niamh: Can I cut my mortgage payments if I have an energy efficient home? - Irish Examiner Irish Examiner Green Mortgages are the rage now with banks. The likes of AIB and Bank of Ireland are busy explaining how you can lower your mortgage rate with an …
|
||||
CFPB Sanctions Edfinancial for Lying about Student Loan Cancellation Consumer Financial Protection Bureau The Consumer Financial Protection Bureau (CFPB) today sanctioned Edfinancial Services, a student-loan servicer, for making deceptive statements to …
|
||||
Viewpoint: We must hold Trump criminally accountable - Times Union Times Union Donald Trump and those who help him spread baseless claims of widespread fraud in the… … For sale · For rent · Virtual tours · Mortgage rates.
|
||||
Boston Progressive Activist, Husband Plead Not Guilty To Federal Charges Of Fraud, Conspiracy The Daily Wire Likewise, Cannon-Grant and her husband are accused of mortgage fraud: The couple are also charged with defrauding a mortgage company by submitting “ … Boston BLM Activist and Husband Plead Not Guilty to Federal Fraud and Conspiracy Charges - Conservative News Daily
|
||||
New study reveals how the pandemic has affected cybercrime - IFA Magazine IFA Magazine Top 3 types of UK cybercrime and fraud … Previous Post. Thursday newspaper round-up: Ghost flights, Essar Oil, mortgages · Previous Post …
|
||||
Lagos pledges to rid co-operative societies of fraudulent activities | The Guardian Nigeria News The Guardian Nigeria News Lagos State government, yesterday, pledged to rid co-operative societies of fraudulent activities through training and retraining of its members.
|
||||
Mortgage arrears: 34,000 family homes miss at least three payments - Irish Examiner Irish Examiner There are still 47,000 family homes in mortgage arrears with 34,000 missing at least three payments, the Central Bank will tell TDs today.
|
||||
Leek United Building Society boosts lending as profit jumps fourfold to £3.6m Mortgage Finance Gazette The mutual’s mortgage offering includes lending on new build properties and flats up to 95% loan to value for residential mortgages, and up to 75% LTV …
|
||||
How to avoid falling victim to investment fraud - RTE RTE Gardaí have warned people to be extra vigilant when investing in cryptocurrencies as reports of investment fraud continue to rise dramatically.
|
||||
Purchases increase slightly to start spring season | National Mortgage News National Mortgage News The Mortgage Bankers Association Market Composite Index, a measure of loan activity based on surveys of MBA members, dropped a seasonally adjusted 6.8 …
|
||||
Barclays Frankfurt Offices Raided in German Tax Fraud Investigation - BNN Bloomberg BNN Bloomberg From spiking mortgage rates, to government intervention, and the unknown of what Canada’s finance minister has in store next week, …
|
||||
DOJ, Congress investigating lenders for PPP fraud | News | Dodd Frank Update Dodd Frank Update This shift signals a major shift away from borrowers’ fraud and towards lenders that … Figure uses blockchain to sell mortgages as NFTs.
|
||||
Mikayla Miller rally organizer pleads not guilty to fraud, other charges in federal court Hopkinton Independent They also are accused of fraudulently obtaining pandemic-related unemployment benefits and making false statements to a mortgage lender.
|
||||
Home renovations plans driven by high home prices | National Mortgage News National Mortgage News National Mortgage News Logo … 2022 Best Mortgage Companies to Work For … Mortgage-related fraud indicators rose by over 65% in 2021.
|
||||
Former Yale administrator stole $40 million, pretending to buy computer equipment for the … MarketWatch During the eight years that authorities say she ran the scam, Petrone told investigators that “90% of her computer-related purchases were fraudulent,” …
|
||||
Louisiana has the 5th most mortgage holders behind on payments | News | thewestsidejournal.com West Side Journal The U.S. economy has had an uneven recovery from the COVID-19 pandemic. By some metrics, the economy has bounced back and is growing rapidly: GDP …
|
||||
Ryan Tubridy crypto scam: RTE star threatens legal action after face used for scam as he … Irish Mirror The truth is - do you remember that ‘I don’t know what a tracker mortgage is’? I don’t know what cryptocurrency is. It sounds like something from the …
|
||||
Democrats’ proposals to cancel student loan debt unfair to minorities - Washington Times Washington Times Biden got 255,000 ‘excess’ votes in fraud-tainted swing states in 2020, … Biden Student Loan Giveaway Illustration by Greg Groesch/The …
|
||||
Shelter calls for housing benefit action as renters feel brunt of income squeeze Mortgage Finance Gazette Mortgage Finance Gazette is owned by Metropolis International Group Limited, a member of the Metropolis Group; you can view our privacy and …
|
||||
Pepper Money links up with Twenty7Tec’s APPLY - Mortgage Finance Gazette Mortgage Finance Gazette Twenty7Tec, the mortgage technology provider, has announced that Pepper Money is now available to APPLY-enabled users of the CloudTwenty7 platform …
|
||||
Could a ‘green’ buy-to-let mortgage get you a better rate? - This is Money (UK) This is Money (UK) Hundreds of ‘green’ landlord mortgages have launched in past year: Could insulating a home help you secure a cheaper interest rate? · Number of green …
|
||||
Paying off your mortgage this year? This is how much your home has made - Introducer Today Introducer Today While a somewhat slow London property market may be currently trailing the rest of the UK when it comes to the pandemic property price boom, …
|
||||
5 simple steps you can take today to invest in crypto more safely - MoneyWise MoneyWise Mortgage Rates; Current Mortgage Rates · Mortgage Rate Trends … Fraud. The risk of being scammed by malicious creators or developers is a …
|
||||
WEB |
||||
VanDyk Mortgage Corporation - Lender Details Lender Details VanDyk Mortgage Corporation is an Equal Housing Lender … Audits operates a toll-free fraud hotline to receive allegations of fraud and/or abuse …
|
||||
Foreclosure Daily News Update ⋅ March 31, 2022 |
||||
NJ residents lose their homes at an alarming rate. New bill could help those facing foreclosure. NJ.com As New Jersey continues to struggle with one of the highest foreclosure rates in the country, lawmakers are advancing a bill aimed at of the …
|
||||
Foreclosure of Justice - Splice Today Splice Today The investor never sent a bill to Foss, initiated foreclosure proceedings and was able to successfully foreclose on the property and take the … Addition to Notice of Foreclosure Sale NELSON - TRF News - TRF News
|
||||
Tumwater hotel identified for possible housing is in foreclosure, port official says - The Olympian The Olympian The Oyo Hotel is in foreclosure and is set to go to auction in May, according to a Port of Olympia official on Monday.
|
||||
NJ Families Deserve Fair Shot At Foreclosure Sales, Lawmakers Say | Montclair, NJ Patch Patch NJ families are bleeding wealth through foreclosures, some say. A proposed law could give them an edge versus “flippers” seeking profit. Certification of Diligent Inquiry (Residential Foreclosures) (NJ) | Practical Law - Practical Law - Thomson Reuters
|
||||
Foreclosure | Legal Announcements | oanow.com Foreclosure | Legal Announcements | oanow.com L5289 MORTGAGE FORECLOSURE SALE Default having been made in the payment of the indebtedness secured by that certain mortgage executed on October …
|
||||
Wayne County foreclosure break extends another year for some homeowners - Deadline Detroit Deadline Detroit A judge accepted a request to keep those debtors out of tax foreclosure through next March, Bridge Detroit reports: County Treasurer Eric Sabree said …
|
||||
IMG Center foreclosure proceedings stir with magistrate’s ruling | Crain’s Cleveland Business Crain’s Cleveland Business Embers are starting to flare in the long-pending foreclosure proceeding in the Cuyahoga County Court of Common Pleas on the 15-floor IMG Center, …
|
||||
IRS Sought Foreclosure On 88% Of Principal Residences - Law360 Law360 Lien foreclosure suits don’t provide taxpayers the same legal rights or protections as seizures, said TIGTA, the IRS watchdog.
|
||||
Wayne County freezes some foreclosures until 2023 amid pandemic - Michigan Advance Michigan Advance Sabree said he petitioned the court to not foreclosure on owner occupied homes owing back taxes from 2017 to 2019 because “many taxpayers didn’t fill …
|
||||
Wayne Co. halts foreclosures on certain owner-occupied homes - Detroit News Detroit News The order protects 1800 Wayne County properties, mostly in Detroit, that were expected to be foreclosed on beginning on Thursday.
|
||||
Wayne County halts foreclosures on some owner-occupied homes for the next year - Michigan Radio Michigan Radio A judge’s ruling has extended the foreclosure moratorium in Wayne County for some owner-occupied homes.
|
||||
Treasury: IRS Should Use Seizure Process Over Lien Foreclosures When Pursuing … Bloomberg Tax Report of audit initiated to determine whether the IRS is properly pursuing suits to foreclose when pursuing principal residences, the Treasury …
|
||||
Wayne County judge halts foreclosures for certain owner-occupied homes - FOX 2 Detroit FOX 2 Detroit Anyone with back taxes on their property later than 2016 will have their potential foreclosure halted until March of 2023.
|
||||
‘Doubling Down with The Derricos’ Couple Sued Amid House Foreclosure! - All About The Tea All About The Tea This news comes after the couple’s home went into foreclosure. The Sun reported the bank had to take back the property after it didn’t sell during … Is Foreclosure About to Hit Your Home? Get a Foreclosure Defense Lawyer to Protect Your Property - Loan Lawyers
|
||||
Brick Underground Under New York’s Zombie Law, banks that hold delinquent mortgages or mortgages in foreclosure can be hit with a penalty of $500 per day per house … How New York State’s “Zombie” Law and a LISC Initiative Have Been Bringing Vacant … - Local Initiatives Support Corporation
|
||||
Clark County Common Pleas Court cases - Springfield News Sun Clark County Common Pleas Court cases 22CV0119: U.S. Bank National Association v. Timothy L. Criag, Clark County Treasurer, Jane Doe, SERVHL, foreclosure. 22CV0120: Rushmore Loan …
|
||||
Emails show the city considers Green Valley Ranch HOA ‘predatory’ in its ongoing lawsuits … Denverite Our concern is that we were able to keep their homes from foreclosure, but that won’t … lawsuits and foreclosures are legal under state statute.
|
||||
A 40-year mortgage? This Fed official thinks it’s a good idea - MarketWatch MarketWatch Through the CARES Act, lawmakers also established a moratorium on foreclosures. For loans not backed by the federal government, private lenders …
|
||||
FHA issues guidance on property preservation expenses | National Mortgage News National Mortgage News … around property protection and preservation reimbursement for loans that have a first legal foreclosure action filed on or after March 31.
|
||||
Taxi Medallion Owners Hail Win in Fight Against Holdout Loan Firm - THE CITY THE CITY Hundreds of medallion owners faced foreclosure pressure even after the debt-relief deal. Chart shows the number of medallion foreclosures each month.
|
||||
Loan trouble looms for another local mall - Crain’s Chicago Business Crain’s Chicago Business Starwood Capital Group already has handed over one big shopping mall in Joliet to its lender and is facing a foreclosure suit on another one in …
|
||||
Dr. Barbara Sharief announces her candidacy for District 35 State Senate - The Famuan The Famuan As Broward County mayor, Sharief supported affordable healthcare, homelessness solutions, business assistance, mortgage relief, foreclosure relief …
|
||||
Court News | News | hartfordcitynewstimes.com Court News | News | hartfordcitynewstimes.com Madeliene Kay Shellenbarger; Decision One Mortgage Company, LLC; Discover Bank; et al; Mortgage Foreclosure. SUPERIOR COURT. CIVIL CASES.
|
||||
Fitch Affirms COMM 2015-CCRE24; Revises Outlooks Fitch Ratings The Oregon foreclosure moratorium has been lifted since Fitch’s last rating action and the lender is now dual tracking foreclosure as talks with …
|
||||
GRAND JURY | News, Sports, Jobs Salem News Davidson, et al., foreclosure sought for property on state Route 7, New … MUNICIPAL COURT. LISBON — An April 7 preliminary hearing was set in county …
|
||||
IN THE COURTS: | News, Sports, Jobs - ReviewOnline.com ReviewOnline.com County Treasurer vs. Jeffrey P. Brucker, et al., payment plan entered, foreclosure on hold. County Treasurer vs. The unknown heirs of Rocco Albaneso, …
|
||||
COMMON PLEAS | News, Sports, Jobs Salem News New Cases Huntington Bank vs. Daniel A. Davidson, et al., foreclosure sought for property on state Route 7, New Waterford.
|
||||
COMMON PLEAS COURT | News, Sports, Jobs Salem News Nationstar Mortgage LLC vs. James R. Rogers, foreclosure sought for property on Lewis Road, Salineville. Docket Entries. Joshua D. Vuletich vs. Alyssa …
|
||||
Watsonville chips into countywide plan to curb Covid-related evictions - The Pajaronian The Pajaronian In response, jurisdictions across the county are pooling resources to help tenants stay housed and keep landlords from foreclosure.
|
||||
Broome County awards projects to reduce housing costs, discrimination - WSKG WSKG The land trust is working with Broome County to acquire and rehabilitate properties on the county’s tax foreclosure rolls.
|
||||
Ex-Wunderkind Nate Paul Unloads Self-Storage Assets, Plots Comeback - The Real Deal The Real Deal … chest has shrunk after years of foreclosures and battles with lenders, … upset about nine foreclosure auctions tied to Paul’s properties. Asset Resolution Analyst - Foreclosure/Bankruptcy | World Business Lenders, LLC - Workable - Workable
|
||||
Elkhorn Capital Partners Expands Investments to Tulsa Oklahoma - The Joplin Globe The Joplin Globe The three acquisitions included a heavily distressed Freddie Mac foreclosure known as Ivy Place Apartments. Ivy Place is a 260-unit garden-style …
|
||||
Housing Briefs: NYC Mayor Announces Encampment Sweeps - Next City Next City … home village fire and reports on housing speculation, foreclosures. … neighborhoods that were hit hardest by the 2008 foreclosure crisis.
|
||||
Epicentre in uptown Charlotte gets tentative sale date - WSOC TV WSOC TV A Mecklenburg County Superior Court judge signed off on the foreclosure of the Epicentre earlier this month, allowing the sale to move forward.
|
||||
DAILY LOG 3-30-22 | News | tahlequahdailypress.com Tahlequah Daily Press Carol J. Westerman, spouse if any, of, Jane Doe and John Doe - foreclosure. Arvest Bank v. Edward Eli French - indebtedness. Sarai Lozano v.
|
||||
Henry County Courthouse, March 31, 2022 - The Crescent-News The Crescent-News Foreclosure. State of Ohio Department of Taxation vs. John Donovan, Napoleon. Other civil/garnishment.
|
||||
IN THE IOWA DISTRICT COURT FOR DUBUQUE COUNTY MIDFIRST BANK, PLAINTIFF | Legals Telegraph Herald Plaintiff also prays in said Petition for the foreclosure of said mortgage dated August 30, 2006 recorded in Document 2006-00013951 in the …
|
||||
Notice of Appointment - James Howard Howse | Northwest Alabamian Northwest Alabamian Notice of Completion - Whitaker Contracting Corp. 5 hours 54 minutes ago. Mortgage Foreclosure Sale. 5 hours ago. Notice of Appointment …
|
||||
Michael B. Jordan looking to offload LA Bachelor pad for $9.3 million - Nine Nine READ MORE: Erika Jayne’s California house goes into foreclosure. Celebrity home property real estate Los Angeles LA Hollywood Hills USA …
|
||||
New Philly law cracks down on blockbusting ‘We Buy Houses’ solicitations - WHYY WHYY … repair programs, or housing counselors and legal services available to homeowners in foreclosure, and their pitches for a quick and easy cash … mortgage foreclosure - Your Online Guide to Legal Information and Legal Services in Pennsylvania - PALawHELP.org
|
||||
IN THE STATE OF NORTH DAKOTA, COUNTY OF - The Jamestown Sun The Jamestown Sun … was filed with the Clerk of Courts of Stutsman County, North Dakota, on November 12, 2021, for the foreclosure of a real estate mortgage. 2.
|
||||
HUD announces assistance for Puerto Rico disaster survivors - News is My Business News is My Business Providing immediate foreclosure relief in counties covered by the major disaster declaration — HUD’s automatic 90-day moratorium on foreclosures …
|
||||
Rabbi on the bench? | The Jewish Standard The Jewish Standard He’s proud of the work he did in helping create New York’s first special foreclosure court. “In 2018, Rockland County had a severe foreclosure crisis, …
|
||||
American AF Dumpster Rentals Offers Dumpster Rental in Waxahachie TX - Digital Journal Digital Journal … construction waste removal; yard waste removal; foreclosure clean outs; appliance removal; television disposal & recycling; trash removal; …
|
||||
WEB |
||||
What You Should Know About Foreclosure, Judgements, and Seizures - Riess LeMieux Riess LeMieux Forester explains what you should know about foreclosure, judgements, and seizures with construction credit management coach, Thea Dudley. Stay tuned …
|
||||
Auctions Foreclosure Auction of Commercial Building in Statesville, NC, Live - The Sanford Herald The Sanford Herald Auctions. Foreclosure Auction of Commercial Building in Statesville, NC, Live Auction April. 4th at 12pm, At Iredell County Courthouse in …
|
||||
Word of the day, Mortgage debt, Real estate foreclosure - Pinterest Foreclosure- Real Estate Word of the Day! · Latest news coverage, email, free stock quotes, live scores and video are just the beginning. Discover more …
|
||||
Professor Eric Baumer Receives National Institute of Justice Grant to Study Link between … College of Criminology & Criminal Justice - Florida State University Headlines across the nation have pointed to a possible link between foreclosure and crime, including claims that “As Foreclosed Homes Empty, Crime …
|
||||
Litigation Staff Attorney (foreclosure) in Miami, Florida | Lawjobs.com Lawjobs.com Duane Morris LLP seeks a full-time staff attorney who has practiced 3+ years on litigation foreclosure and banking-related claims in our Boca …
|
Who Has The Burden of Proof in a Foreclosure Case?
Who Has Legal Standing to Foreclose?
Who has legal standing to foreclose? Only the mortgagee has standing to foreclose. Look, if you are planning to sue someone and you accuse them of some wrong doing, you better have proof. The person doing the accusing (the Plaintiff) has the burden of proof. Before you can go to court, you must have some sort of grievance that you are seeking relief on; in other words you must have legal standing. For example, if you had a contract and the other person broke that contract causing you to suffer as a result of that breach. This is called a Cause of Action. In other words, “why are you suing this guy? What wrong did he do to you?” You must have a valid reason to bring your suit.
There are a number of different causes of action you can accuse the other party of. For example, breach of contract, fraud, tortious interference, etc. Another very special type of cause of action is called a Quiet Title Action. These types of “Actions” (an “Action” is just legal jargon for a civil action…or a civil suit) are done when there is a cloud of title issue that needs to be resolved. As a title owner, you have an obligation to defend your title against encroachments. For example, if I started to build a fence three feet into your land and you say nothing… then five years later, I sell my land, and change the legal description to include that extra three feet…and you say nothing, then that extra three feet is mine.
Let’s discuss the Deed of Trust and Mortgage to see how this all fits in.
The Deed of Trust or Mortgage:
The Deed of Trust is a special Trust that is created specifically so that you (the landlord) temporarily grant your title in trust to the new Trust to secure against the promissory note. When you create a Trust, you appoint a Trustee. You also give that Trustee the power to sell your property in the event of a default of the promissory note. This is the vehicle and mechanism your “lender” uses to foreclose and sell your house. The same goes with a Mortgage in a Judicial State, except there is no need for a Trustee.
In the event that there is a problem with the promissory note or deed of trust, then there is an issue called “cloud of title”. When a title is clouded, you will have a problem selling your house. Let me give you an example.
Let’s say the County places an imminent domain claim on a strip of land on your property to lay down some pipes. They then record this on your county records. But because of budget cuts, they decided not to lay the pipes, but forgot to give you your land back. 2 years later, you are trying to sell your house. It will be stopped because you are selling part of a land you don’t own (i.e. the strip for the un-laid pipes). In order to un-cloud the title, you will need to seek a Quiet Title Action.
As we discussed, your promissory note has been permanently converted into a stock. It has also been fully discharged. The language on your Deed of Trust says “This Deed of Trust secures a promissory note”, and if the promissory note is destroyed through permanent conversion, then the Deed of Trust secures nothing. This is just like the situation with the strip of land with the un-laid pipes. It’s lost property. It’s unclaimed land. As the Title owner, you have an obligation to defend your land and title.
This is why we need to do a Quiet Title Action to reclaim our land to resolve the controversy. In a Quiet Title Action, you basically issue a challenge to all parties wishing to lay a claim on our property to come forth and provide the proof of their claim(s).
However, remember the rule of court is the Plaintiff has the burden of proof. In the following parts, we will go into uncovering proof. If you haven’t done so, we recommend that you purchase a chain of title & securitization analysis because once you have real evidence that your mortgage contains fraud, legal violations, and or has been securitized you will have a much better chance at beating your foreclosure and saving your house.
Federal Rules of Evidence:
You can sue your lender in federal court and/or state court (this is called circuit court). Typically, the State Rules of Civil Procedure and State Rules of Evidence will govern state courts. However, since we don’t know which State you are in, and for the most part, these rules are pretty similar, we’re going to talk about the Federal Rules of Evidence governing the admissibility of photocopies. Specifically, we want to talk about Rule 1002 and Rule 1003. Please click on these and read up on them. These should be similar with your State Rules of Evidence. You should consult your own State’s Rules of Evidence to confirm.
Basically, what will happen is your “lender” will bring to court photocopies of the Deed of Trust and Promissory Note to claim their rights as proof of claim in your Quiet Title Action.
These are admissible, unless you learn to object!
The rules of evidence are simple. A photocopy is admissible unless it is unfair to admit the photocopy in lieu of the original. What you need to know is, under Uniform Commercial Code, your promissory note is a one of a kind negotiable instrument, just like a check. You cannot go down to a bank and cash a photocopy of a check. It has to be the real thing. Your promissory note contains the only legally binding chain of title. A photocopy made years ago does not contain the chain of title.
Basically, the argument is “sure, I signed a loan with you then, but we know you sold it. Can you prove that you still own it?”
Opposing Counsel will say, “But Your Honor, the plaintiff has the burden of proof. They are alleging that we sold the note. Where’s the proof?”
And that’s where most Pro Se Litigants get stuck!
If you do not have the proof (evidence) when you file your civil action, your case will be tossed out, and classified as “failure to state a claim”.
What typically happens when you file an action is opposing counsel (the dirty rotten lawyer working for the bank) will file a Motion to Dismiss. They ALWAYS DO IT; so expect it. In order to survive the Motion to Dismiss, you must have sufficient proof.
If you haven’t already purchased your copy of Jurisdictionary, do it now because you have no chance of winning your case if you don’t know the rules of the game. This is a mandatory resource if you’re serious about defeating your foreclosure and saving your house. I cannot stress how much you need this product!
Evidence of Movement:
The first and simplest evidence we can bring to court is called Evidence of Movement. In an Evidence of Movement situation, you closed with Bank A (let’s say Stearns Lending), who sells it to Countrywide (Bank B), who then got acquired by Bank of America (Bank C) ….who then securitizes the note into New York Mellons Bank Trust Series 12345.
So, the Deed of Trust names Bank A as the Beneficiary. But Bank C wants to foreclose. Bank C comes to the court with a Deed of Trust pointing at Bank A (Stearns Lending). Where is the Chain of Title on the Promissory Note that gives Bank C (BofA) the Right to enforce the note?
If you have a situation like this, you might not need to get a securitization audit, although getting one may make your case stronger and more likely to succeed.
Often times, Bank C would come to the Court claiming “Your Honor, we have reacquired the note and now have the right to foreclose.” If you encounter this situation, you must learn to object.
1) Show me the perfected chain of title. If you have sold it, then you lost your right to enforce.U.S. Code Title 12: Banks and Banking PART 226—TRUTH IN LENDING (REGULATION Z), a servicer does not have the rights of a lender if it has acquired the note for the purposes of administration.
2) Please stipulate for the record whether the note is part of a pooling and servicing agreement. Please stipulate whether the note has been securitized. Please stipulate who “New Your Big Bad Bankers Trust Series 12323 (of course yours will be different)” is, are they a REMIC?
3) If the loan has been securitized, did you reacquire the note as an unsecured debt in the secondary securities market? Are you acting in the capacity of a debt collector as governed under 15 U.S.C. §1692?
Remember, this is fraud at its greatest. Only the top echelon bankers know this scam. Even their Counsel does not know the scam that is being perpetrated here. He is just taking his client’s word at face value. He is hearing “we bought the note back” and accepts that the bank now has the right to foreclose. They don’t. Most homeowners who are confronted with this situation don’t know the scam either and run out of juice.
Do you see how we structure our arguments here? It was never “Show me the note”. We are attacking them on the “show me standing” and “show me that you are the real and beneficial party of interest who has the right to enforce the note”.
What is MERS?
MERS is Mortgage Electronic Registration Systems it was created by banks in order to “streamline” the warehousing of loans and mortgage documents. Basically MERS is a front organization that was created to defraud homeowners and government agencies. It pretends to hold your note, but in fact holds nothing. Banks set up MERS in the 1990s to help speed the process of packaging loans into mortgage-backed bonds by easing the process of transferring mortgages from one party to another. But ever since the housing crash, MERS has been besieged by litigation from state attorneys general, local government officials and homeowners who have challenged the company’s authority to pursue foreclosure actions. Recently there have been many court decisions delivering death blows to MERS and their 70,000,000+ mortgages they claim to hold.
For example in MERS Is Dead: Can Be Sued For Fraud: WA Supreme Court we learn that the Washington State Supreme Court dealt a death blow to MERS: “The highest court in the state of Washington recently ruled that a company that has foreclosed on millions of mortgages nationwide can be sued for fraud, a decision that could cause a new round of trouble for the nation’s banks.
The ruling is one of the first to allow consumers to seek damages from Mortgage Electronic Registration Systems, a company set up by the nation’s major banks, if they can prove they were harmed.
Legal experts said last month’s decision from the Washington Supreme Court could become a precedent for courts in other states. The case also endorsed the view of other state courts that MERS does not have the legal authority to foreclose on a home.
“This is a body blow,” said consumer law attorney Ira Rheingold. “Ultimately the MERS business model cannot work and should not work and needs to be changed.”
A spokeswoman for MERS said the company is confident its role in the financial system will withstand legal challenges. The Washington Supreme Court held that MERS’ business practices had the “capacity to deceive” a substantial portion of the public because MERS claimed it was the beneficiary of the mortgage when it was not.
This finding means that in actions where a bank used MERS to foreclose, the consumer can sue it for fraud. If the foreclosure can be challenged, MERS’ involvement would make repossession more complicated.
On top of that, virtually any foreclosed homeowner in the state in the past 15 years who feels they have been harmed in some way could file a consumer fraud suit.
“This may be the beginning of a trend,” says Elizabeth Renuart, a professor at Albany Law School focusing on consumer credit law. The company’s history dates back to the 1990s, when banks began aggressively bundling home loans into mortgage-backed securities. The banks formed MERS to speed up the handling of all the paperwork associated with recording the filing of a deed and the subsequent inclusion of a mortgage in an entity that issues a mortgage-backed security. MERS allowed the banks to save time and money because it permitted lenders to bypass the process of filing paperwork with the local recorder of deeds every time a mortgage was sold.
Instead, banks put MERS’ name on the deed. And when they bought and sold mortgages, they just recorded the transfer of ownership of the note in the MERS system.
The MERS’ database was supposed to keep track of where those loans went. The company’s motto: “Process loans, not paperwork.”
But the foreclosure crisis revealed major flaws with the MERS database.
The plaintiffs in the Washington case, homeowners Kristin Bain and Kevin Selkowitz, argued that the problems with the MERS database made it difficult, if not impossible; to determine who really owned their loan. It’s an argument that has been raised in numerous other lawsuits challenging the ability of MERS to foreclose on a home.
“It’s going to be very easy for consumers to say they were harmed because it’s inherently misleading,” says Geoff Walsh, an attorney with the National Consumer Law Center. If consumers can’t identify who owns their loan, then they don’t know whom to negotiate with, and can’t even be certain of the legitimacy of the foreclosure.
In a statement, MERS spokeswoman Janis Smith noted that banks stopped using MERS’ name to foreclose last year. She added that the opinion will “create confusion” for homeowners in the state of Washington while the trial courts consider its effect on pending cases.
Meanwhile, MERS is attempting to remake itself. The company has a new chief executive and a new branding campaign. In Washington D.C. federal lawmakers have recognized the need to create a national mortgage-recording database that would track all U.S. mortgages. MERS is lobbying to build it.
The case is Bain (Kristin), et al. v. Mortg. Elec. Registration Sys. et al., Washington Supreme Court, No. 86206-1.” (Reuters).
This information about MERS is very important for you to understand, if you are going to successfully defend your points in court. For a list of some FACTS about MERS check out https://fraudstoppers.org/a-few-facts-about-mers and also pay attention to: MERS-and-Citibank-are-not-real-parties-CA.pdf
IF you would like to see if your loan is serviced by MERS, click here: https://www.mers-servicerid.org/sis/.
Or you can also purchase a professional Securitization Audit, a Robo-Signing Check, or a Forensic Audit from Fraud Stoppers.
Who is the Investor?
There is a good chance Fannie Mae or Freddie Mac owns your loan. If you can find your properties here, then you can present this as evidence that your servicer (so called “lender”) is not a real party of interest. This is critical evidence to bring forth in your civil action. You must include this as a claim in your suit.
To find out whether Fannie Mae owns your note, please come here.
Freddie Mac’s database is here.
IMPORTANT: DO THIS NOW. Research whether these guys own your note. If so, then you have a vital piece of evidence to present to the court.
Carpenter v. Longan 83 US 271
Why is this so important? This is a US Supreme Court ruling that says the Deed of Trust is the peripheral, and the Promissory Note is the “Thing”. Imagine if you will, that the Deed of Trust is the tail, and the Promissory note is the dog. He who owns the dog controls the tail. He who controls the tail does not wag the dog.
Your lender will want to come in to lay claim on your title only showing ownership to the Deed of Trust without disclosing who the real and beneficial owner of the promissory note. This is admissible unless you know to object. If you quote this law when there is evidence of movement, then this will stop them in their tracks. Basically, it’s the same thing. ”Show me you have subject matter jurisdiction over this controversy”, “show your proof of claim and title”. He, who controls and owns the promissory note, controls the Deed of Trust.
Getting County Records:
Look, State Civil Code requires that every party of interest in your property must record their interest at County Records. So, any loan assignments must be recorded. Any notices must be recorded. To gather your evidence, you should head down to your local county recorder’s office and request for a complete printout of all recorded documents for your property from the date of subject loan. Go down and talk to your county recorder. They will usually be able to help you get the “title search dump”. You don’t need certified copies. Just the copies are fine, but it is a good idea to get all these documents handy so you can see what’s been recorded against your property.
What you are trying to find is instances where there is evidence of movement…i.e. the loan has been sold or securitized, but there was no corresponding evidence recorded at the County. So the next step is to go to the County Recorder’s Office for the DEED RECORDS and get a copy of every page of each document that is in the deed records of your home, since you got your last loan.
Print the Search Results, with your name as GRANTOR and GRANTEE, and your wife’s name as GRANTOR and GRANTEE, then search the property address, and print the search results.
Take your camera and take a picture of every page starting with the index or the cover page of your deed record file and save each picture by:
Yr-mo-day, YOUR LAST NAME, Name of Doc, Page of Doc:
[Example: 2013-07-04, Last Name, Original Deed of Trust received from ABC Brokers for Countrywide, 17 Pages]
You should end up with copies of your Original Warranty Deed, Deed of Trust (or Mortgage, as it is called in some states).
While looking at the Deed of Trust or Mortgage, click on the button or link for “RELATED DOCUMENTS” and print the search results, then get a copy of any “Assignments of Deed of Trust or Mortgage” and any “Releases of Liens”,” Appointments of Substitute Trustees”, “Trustee Deeds”, and Law Firm Letters, like Default or Acceleration Letters from Attorneys who are hired to collect the debts from you. Get a copy of everything in the file to the present date.
Calling a Title Company:
If you don’t want to do it yourself, then you can call a local Title company for a complete title research. A complete title research includes a report of all activities on your title from the date of sale. They will also print copies of these documents for you.
Writing a Foreclosure Timeline:
A timeline is a chronological structure and is frequently the way cases are presented to juries and judges of fact. Visual representations are important and they make it easy to share the details of you case with others. It sometimes becomes the underlying foundation for the flow of all information related to a case. Therefore, it is important that care be given in the creation of visual timelines. Here is a Sample Timeline.
The Chain of Title & Securitization Analysis:
For those of you who do not have clear evidence of movement, for example, you closed with Countrywide and the loan got acquired by Bank of America. Or your loan went through Chase and is now Chase is just a servicer, or GMAC (and GMAC is now servicing), then getting a Securitization Audit might be a way to go. Remember, as the Plaintiff, you have the burden of proof.
It will be like having a photo of a bank robber with a gun aimed at a teller. It’s them caught with their hands in the cookie jar…and it puts opposing counsel in a position of having to explain to the judge why he should not be sanctioned for bringing fraud before the court. Fraud Stoppers Foreclosure Defense System includes one of the most powerful Chain of Title & Securitization Analysis available today. Banks hate it because it’s preformed by licensed professionals and includes the admissible evidence that you need to save your house from foreclosure. Banks HATE these because it exposes their fraud.
In today’s world of securitized residential mortgages, a Secured Mortgage Loan consists of two parts: (A) the financial obligation (created by the Tangible Promissory Note) which operates in accordance with Federal and State Law, and (B) an enforceable contractual lien instrument (i.e. Tangible Security Instrument, Mortgage, Deed of Trust) intended to provide an alternate method of collection of payment to the Holder of the financial instrument in accordance with State Law. In reviewing the transfer and ownership history of a Secured Mortgage Loan, one must evaluate the negotiation of the financial instrument and consider the laws applicable to the Security Instrument upon said negotiation of the financial instrument.
Our Competent Evidence Package looks at the true sequential ownership of a Securitized Mortgage Loan Security Instrument as evidenced by the documents related to the client’s property filed with the County Recorder’s Office, and compares it to the claims of ownership made by the party attempting to foreclose. The Competent Evidence Package shows what steps SHOULD have been taken in the securitization process in order to become a proper party to enforce the mortgage contract, according to both statutory and case l aw. More importantly, the Competent Evidence Package shows what steps were ACTUALLY taken in the securitization process, and what steps were NOT taken, and the results of these actions/inactions on the Chain of Title as shown by the County Records.
Many times clients and their attorneys lack competent evidence. The term “competent evidence” is used to refer to evidence that is directly relevant and of such nature that it can be admitted into evidence in a court of law. For a client considering going into litigation, a prior assessment of the potential violations surrounding the Chain of Tit le of a Securitized Mortgage Loan is a much-needed tool for determining whether there is a valid basis for proceeding with a legal action.
The goal is to arm one’s self with indisputable evidence so they may clearly and accurately demonstrate that the claims made by the foreclosing party may be inaccurate and/or fraudulent. In addition to the written Chain of Title Analysis, our Investigators also create a customized infographic/flowchart/schematic to visually represent their findings regarding the path taken by the various parts of the client’s Mortgage Loan and the parties involved in the securitization process. This visual representation is invaluable in making the arguments indisputable and understandable to the clients, attorneys, and judges – A picture is truly worth a thousand words.
Now, let’s continue with a little role playing.
Opposing Counsel:”but Your Honor, the plaintiff has the burden of proof. They are alleging that we sold the note. Where’s the proof?”
You:”Your Honor, please see Exhibit C in our evidence as part of our initial complaint. On Page X, you will find our loan listed as a permanent fixture in an SEC filing for the New York Mellons Bank Trust Series 1232342 REMIC in which this loan has been securitized.”
Judge: “Counsel, what do you have to say to that?”
Opposing Counsel:”I don’t know about this you’re Honor; I was informed by my client that they bought back the loan.”
You: “Counsel, are you aware of FAS 140? Under the Financial Accounting Standard 140, it says that once a loan has been sold into a pooling and servicing agreement, the lender forever loses control of the asset.”
“Are you aware that this loan is a permanent fixture of the New York Mellons Bank Trust Series 1232342 REMIC?”
“Where is the Chain of Title that gives your client the right to enforce the promissory note?”
“Are you aware that the promissory note has been discharged in the REMIC as a bad debt and that the individual share holders have received tax credit for this loss?”
“Are you aware that once a debt has been discharged, it loses its ability to collect?”
“Are you aware that your client bought the note as a discharged debt and an unsecured instrument?”
“I motion the court to have Counsel stipulate that you know with firsthand knowledge that the note has not been discharged as a non-performing asset. “If he cannot, then say… “I move the court to sanction opposing counsel for bringing fraud before the court. Counsel misrepresents the facts in order to deceive the court.”
Keep in mind that the courts are absolutely corrupt and will try to rule against you at every opportunity. Therefore it is vital that you not only learn the rules of the game Jurisdictionary…but you must also learn how to land on them like a ton of bricks when they try to break the law and violate your legal rights!
FRAUD STOPPERS Private Members Association (PMA) has a PROVEN WAY to help you save time and money, and increase your odds of success, suing the banks for mortgage and foreclosure fraud.
Our primary focus is helping you get clear and marketable title to your property by arguing that the actions of the banks have made the security provisions of the mortgage/deed of trust unenforceable as a matter of law.
Take action right now and get the FACTS and EVIDENCE that you need to gain the legal remedy that you deserve!
Now You Can Unlock the Power of Justice and the Rule of Law with FRAUD STOPPERS
Are you tired of being a victim of financial fraud, seeking the justice and legal remedy you deserve? Look no further – FRAUD STOPPERS is here to empower you with the comprehensive tools and support necessary for success. With a wide range of services tailored to your needs, we are your ultimate ally in the fight against fraud.
FRAUD STOPPERS Arsenal of Solutions includes but is not limited to:
- 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).
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
LIST OF FORECLOSURE LAWS BY STATE
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