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STOP FORECLOSURE FRAUD

“A mortgage can be enforced only by a person who can enforce the underlying debt; a mortgage is but incidental to the promissory note.” Adam Levitin. Discovery how to save your house from foreclosure.

STOP MORTGAGE FRAUD

According to a government audit nearly 83% of mortgages surveyed contained legal errors and violations that could be problematic for lenders attempting to foreclose. Learn how to make the banks pay you to go away!

Learn how to Stop Foreclosure Fraud and Mortgage Fraud and Cancel Secured and Unsecured Debt Obligations through Strategic Litigation.

Mortgage Fraud Audits

Appraisal Fraud Audits, Bloomberg Securitization Audits, Forensic Audits, Robo-Signing Audits, Handwriting Analysis, and more 

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Quite Title Lawsuits, Wrongful Foreclosure Lawsuits, FDCPA Lawsuits, TILA Rescission Lawsuits, Auto Loan Lawsuits, Credit Card Lawsuits, and more.

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Signed and Notarized Expert Witness Affidavits and Expert Witness Testimony available.

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Professional Licensed Paralegals providing pro se litigation support services and case management. 

 

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Professional No Money Down Loan Modification Services, and Pro Se Loan Modification Support. Litigation Enhanced Loan Modification Options Available. 

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Professional Realtor Short Sale Programs and Investor Short Sale / Leaseback Programs Available. 

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Professional Bankruptcy Paralegal Document Preparation Services; including listing property as unsecured asset.  

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Repair and Improve Bad Credit and Increase Credit Score with Professional Credit Repair Services

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For information on cutting edge foreclosure defense and mortgage fraud resources contact us. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners.

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Discover the truth behind the mortgage & banking fraud that caused the 2008 banking meltdown, and how you can profit from it.

  • Foreclosure Traps & Pitfalls to Avoid
  • How to Respond to a Notice of Default 
  • How Table Funded Loans Really Work
  • Winning Court Strategies 
  • Winning Mortgage Fraud Lawsuits 
  • How to Make Money Helping Others
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“Well guys here we are 14 months later and I just left the court where Wells Fargo foreclosure case was dismissed with Prejudice. That’s right with Prejudice! Can you believe it. Now all we have to do is sue for quiet title and I’m home free.” Victor Seabrooks

“I am very happy with the work your company has done and your genuine concern. Next month I am going to sign on with Legal Shield as you also suggested.” Julie Meadows

“FRAUD STOPPERS helped me in many ways. I contacted them because I was struggling with a foreclosure action started by Bank of America. FRAUD STOPPERS began its help by providing a free audit of the mortgage history of my property and introduced me to the concept of tangible and intangible note and security documents.” Dutch Maynard

James Jones

Btw, the Substitute Trustee sale NEVER took place yesterday, County Recorder asked how I managed to pull that off, I said Fraud Stoppers! Lol  James Jones

Melanie Strapp

I want to thank you for your help, i won my case  and the bank want to settle out of court.

Melanie Strapp

 

DAVID CHARLES

 

I would like to say that I love your website,and I think you guys are spot on when it comes to the issue with loans originating from the area 2005,2006,2007 and so on.

 

Dutch Maynard

 

FRAUD STOPPERS helped me in many ways. I contacted them because I was struggling with a foreclosure action started by Bank of America which devolved to LSF9 Master Participation Trust serviced by Caliber Home Loans (actually owned by LSF9, covertly). FRAUD STOPPERS began its help by providing a free audit of the mortgage history of my property and introduced me to the concept of tangible and intangible note and security documents.

 

Margo Biuso

 

Through your agency I was referred to law firm that is working on research of my original mortgage file. This I was told is about a year, and I am about 3 months into it.

 

Terrence Clarke

 

Yes we need more fraud stopper in all area of this Society. To tell it as it is about the one percent and the ninety nine percents.

 

Daniel Lee

 

Thanks too the one and only Fraud Stoppers I found that I was a tenant and not the owner and I was kicked out of my property as a tenant in common and not the owner. Over come the deception  and a bifurcated separation of tittle and deed.

 

Lani Bernard

 

Yea thank you Mr. Frank.. you are gods mercy for us.. smile

 

Patrick Griffin

 

Fraud Stoppers Team took me out of the confusion and darkness and put me on a road of structure and knowledge . Each day there was a goal set and achieved , I had been fighting a battle they were initiating a process , that made all the difference. On each step of their process I found their paperwork to be top notch , there support people always there with the right answers. If you like I find yourself fearful wandering in darkness and confusion bombarded with information and misinformation ;make a call to the Team at Fraud Stoppers . I did and have no regrets.

 

Fred Schneider

 

Thanks again for ALL you do to help people like me and all the others you make claim you have helped.  You and Neil are doing a great job and there seems to be a LOT of movement out there and across our nation to finally get people to understand this huge racketeering scam that has gone on far too long.

 

Patty Cueto

 

I do realize that I got a great deal on the docs. I just want to thank you again for all you have done for me, also I’m very grateful for finding you on YouTube. Keep up the great work !!! We definitely need more people like you in this world,

 

Tim VanderLinda

 

You folks are just great people who give solid information I have not been able to obtain until today. Just a big thanks and little hope that your who I think you are, considering how long I have faced the incessant frauds and crimes that have essentially stripped everything in my life without any honest advocate. Thank you again for any type of help you provide.

 

Julie Meadows

 

I am very happy with the work your company has done and your genuine concern. Next month I am going to sign on with Legal Shield as you also suggested.

 

Robert Willis

 

This is Willis from SC. I thank the whole staff of the Fraud Stoppers in doing a great job in the litigation dept. Especially Amy! She is one heck of a woman. Joe you are very lucky to have her on your team! Peace and blessings to you all.

 

Liz Combs

 

Thank you so very much, Frank and Damion, for being on top of this and so quick in your response. I will be reviewing it later on this evening, or perhaps tomorrow morning! I appreciate the notes back to me!

 

William Montes-Pack

 

I am satisfied with the answers and corrections.  The answers definitely helped me understand the relationship between government guaranteed loans, recordings & securities.

 

Judith T Gilchriest

 

Thanks guys it’s so good. So unbelievable all the stuff in my loan still gotton finish paper work n send other letters gonna send the rest all at once and wait 21 days I think they already responded with paperwork different than there compliant can’t wait to right a review just a lot to learn but so expertly laid out and trust you guys go far and beyond the act of duty and have all the expertise and stand behind your company’s word

 

Marcella Hernandez

 

Among many attributes, Fraud Stoppers’ program has a great deal of information and resources available.  It’s really good to have information that someone I trust has looked at and approves of before spending time reading it.

Fraud Stoppers sends me helpful emails like this one. Great advice.

 

Cynthia Cameron

 

You guys are doing a great job!

 

Wendy Stein

 

Beautiful product launch!!!! Looking forward to working with ya’ll again, soon!

 

Robbie Lee

 

I got them done finally yesterday and bank didn’t put home on the market they stopped the sale hmm wonder why ? I got a good reason want to hear bet you already know don’t you ? Cause they do not hold the NOTE! I am happy made me believe more thank you not for making me worry jk but for sicken in with me I can be a handful and I am Sorry I worry all the time but I wanted to tell Sir TY

 

Phil Hewett

Thanks for the effort…hope I can put it to good use.

Charles Rapoli

Just wanted to pass on to you a big thank you for the analysis. It was great talking to someone that brings a ray of hope through all the deceptive evil that surrounds us. I reviewed the documents and I am very impressed with the information. I have learned even more.I look forward to more and thanks. Keep up the good work.

Roberto Vigil

Hello Frank, the Audit Report by Bert was amazing, I was able to enter it into evidence at trial on July 15, I am working on the findings of facts due end of this week and then we wait for the order buy October. Meanwhile can you recommend an Attorney to look at it and give me a legal opinion and plan going forward, I am really pleased with your services, Thank you so much, .come back

Earl Combs

Thank you very much, Damion and Frank! Your work is much appreciated! Thank you, also, for a speedy response!

Julie Brown

Thanks for all your help.  I appreciate it.

Mrs. Reyes

I hope all is well with you.  I just wanted to wish you a Happy Holiday and thank you for all your hard work.  I look forward to working with you in the new year.

Wendy Green

Thank you so very much for your concern and the information you are willing to share. I will follow-up as discussed.

Prince:~:Ma'at.

I certainly appreciate you and the work being done to help others.Thanks again.

Pamela Owen

I forgot to mention that I’m still in my home! AND I’m having fun!

Mike Nicholson

I think Fraud Stoppers is awesome. What you guys do is to help others save their homes from foreclosure.

John C

FRAUD STOPPERS helped me stop my foreclosure and get a huge principal reduction on my mortgage.

Elizabeth Smith

I just wanted to say thank you to FRAUD STOPPERS for helping me get a $35,000 keys for cash settlement.  So YES, I would absolutely refer FRAUD STOPPERS to anyone looking for help with a foreclosure issue, because they didn’t make any false promises to me, and they did exactly what they said they would do.

Stephanie Johnson

Thanks FRAUD STOPPERS for helping me sue for mortgage fraud at the last minute. I stopped my foreclosure and I am currently negotiating with my lender for a principal reduction. And it looks like they’re gonna forgive all of my late payments, over $28,000!

Terrance Matthews

I filed FRAUD STOPPERS quiet title lawsuit and Wells Fargo stopped the foreclosure sale faster than Trump fired the FBI director. I’m telling you guys I anit never seen anything like this before. FRAUD STOPPERS I owe you guys big time. Thank you.

Matt Pacht

I wanted to say thank you to FRAUD STOPPERS for helping me save my house from foreclosure and get a super awesome loan modification. In fact Ocwen agreed to forgave almost all of my late payments. So thanks FRAUD STOPPERS. You guys are great!

Cindy W

I live just outside Austin Texas. I just wanted to take a second and say thank you to FRAUD STOPPERS. I filed FRAUD STOPPERS wrongful foreclosure lawsuit after Bank of New York Mellon sold my house, and 9 months later I’m still here. Thanks FRAUD STOPPERS

Monica and Kevin

Listen if you need help with your mortgage we recommend FRAUD STOPPERS because we got the help we needed for free!

Steve Labady

My neighbor referred me to FRAUD STOPPERS, and within a few minutes on the phone I knew I found the right place to help me with my foreclosure. They connected me to a local law firm that filed a federal lawsuit against Bank of American for me, on contingency.

That lawsuit is still ongoing, but I can tell you that the help I got was worth way more than the $100 membership fee I paid. So if you’re looking for a trustworthy company to help you save your home from foreclosure, I highly recommend FRAUD STOPPERS.

Roger Hader

I called FRAUD STOPPERS to help me save my house from foreclosure. But unfortunately I called them too late. Hey but at least they scam me out of money like the mortgage fraud examination company I paid $2500 to.

Thanks FRAUD STOPPERS for telling me the truth. At least you guys tried, and that’s all I could ask for. If I find anybody I’ll send them your way.

Robert Claflin

I’m here to tell you that FRAUD STOPPERS helped me save my house from foreclosure without having to spend an arm and a leg for an attorney. They provided me with a court ready lawsuit, all of the evidence I needed, and full litigation support. I was able to sue my lender for mortgage fraud and negotiate a settlement offer that was better than I had ever hoped for.

In fact the entire process was a lot easier than I expected too. They even took care of the entire mediation process for me.So bottom line, if you need help with a mortgage or foreclosure issue call FRAUD STOPPERS right now because I’m sure you’ll be as happy and satisfied as I am. Thanks FRAUD STOPPERS for helping me save my home.

Tiffany Rogers

I just wanted to let you know that I used FRAUD STOPPERS to stop my foreclosure. Thanks FRAUD STOPPERS. You guys ROCK!

Angela and Tony

We want to let you know that we used FRAUD STOPPERS to save home from foreclosure. If you’re fighting a foreclosure we recommend FRAUD STOPPERS because they’re honest, and they know how to stop a foreclosure and bring the bank to the negotiating table.

Victor Seabrooks

Well guys here we are 14 months later and I just left the court where Wells Fargo foreclosure case was dismissed with Prejudice. That’s right with Prejudice! Can you believe it. Now all we have to do is sue for quiet title and I’m home free.

Roberto Vigil

I got nervous there for a while not knowing if you guys were real, now I am certain you are, I just want to say I am greatful for your specialty and the work you have provided to me. I am grateful to you and to John, I now feel relieved as I was trying to find for a long time. Wish I had connected with you sooner. But I look forward to using your products and working with you guys going forward. Thanks again.

Liz Marks

I applied for a loan modification 8 different times and each time I was denied. I paid several companies and lawyers and none of them had any luck getting my loan mod approved.

This last time there was a foreclosure sales date set one of my patients referred me to FRAUD STOPPERS. To be honest I had already lost hope and was going to just give up, but Mary told me I got nothing to lose to call them. Thank you FRAUD STOPPERS you guys did the impossible. I owe you one.

Susan Holtz

FRAUD STOPPERS helped me in my foreclosure fight with SPS. They gave me the legal documents to stop the foreclosure sale, and they negotiated a principal reduction of my loan of more than $50,000. I would recommend FRAUD STOPPERS to anyone. Cheers!

Edgar T

Thank you for all the help. I just got everything in order ready to file last night. I’m going to go over everything one more time today thoroughly to make sure I did everything 100% correctly so I can file this evening.  I will also call Nathan today to get more information on using him. I’m very excited to get this filed. I will definitely keep you updated on my progress. Thank you.

Dorine Javier

Forgive me this a very trying time for me an my family. Im unclear on the eviction timeline, but Thank You an the Team . Im forever humble an GRATEFUL. I look forward to making referrals. Im so excited about being able to help, my family an a few FRIENDS. Once again Thank You and God Bless you an the TEAM. Sincerely Dorine Javier 

Andrea Genrette

I am very grateful for FRAUD STOPPERS.  

Mike Pop, Phoenix AZ

Well, is over now. I lost the house I filled 2 times with the COURT HOUSE.

First time I filled for restraining order and I was denied without getting to see the judge.

The second time I never got an answer. I must done something wrong by filling. Too bad I could not find an attorney in Phoenix to help me.

Anyway, as far FRAUD STOPPERS PMA’ services, 2 tombs up. Regardless, I will strongly recommend your services to any one I will find in need.

Frank, and all your team, THANK YOU.

Respectfully, Mike POP.

“To err is human, and I’m a human too”. Life moves on, and so will I.

CHARLES & BARBARA HAISLIP

Thank you, we contacted Usbank Headquarters and they stopped the Auction of our Home and property yesterday and are doing an Investigation on the whole matter. We also contacted the FBI ,FEDERAL TRADE COMMISSION, & Legal Aid finally got back in touch with us & they said they we’re probably going to take our case. Thank y’all again & GOD BE 4 Y’ALL ALWAYS…CHARLES &
BARBARA HAISLIP Shirley, AR

P.S. WE FIRED LEGAL SHIELD

Janet West

Good Afternoon, It is raining, flooding, and awful here in South Carolina. How is the weather there? The purpose for this email is; I have exhausted all credit in order to eat, have lights, food, water, gasoline, insurance, filing papers with SC Courts, and of course to my creditors.

Is there an attorney that you can contact on/for my family’s behalf, and seek representation for civil litigation, of SC Rules 22, 23, 37 and 14 most importantly Fraudulent, Criminal activities by others regarding our home, monetary loses, credit reports, etc?

There is no attorney in my state that will represent us, even though, I have spent five years in litigation. Need someone out of state that can practice law in my state.

We can negotiate attorney’s cost, and there is no doubt we will lose our case. As possibility contingency? Notice rules related to banks, lawyers, judicial procedure and emails as legal communications of The SC General Assembly’s, I believe the 122nd and 123rd. Or send me an invoice and I can see if one of my creditors will assist with addition credit.

Again, without your support, I would have given up a long time ago. and I truly thank you for your humanity. Problem is out of hand and I have an advocate, as or you. We are on a mission, and again, “I feel so humbled and blessed to have you as a friend in my life!”

Janet West, Aiken SC

 

 

 

 

 

 

 

 

 

How to Analyze A Purported Assignment of Mortgage or Promissory Note

How to Analyze A Purported Assignment of Mortgage or Promissory Note by Neil Garfield   The execution of any document does not by itself create a legal event. First, the document is only valid if it memorializes an actual event.   Second, the document is only valid if it complies with the facial requirements set forth by applicable statutes. Third, the document is only legally valid if it complies with the substantive requirements of applicable statutes....

Gary Dubin, Esq. Scores Another Foreclosure Victory for Homeowners in Hawaii in Notorious LSF9 Case

Gary Dubin, Esq. Scores Another Foreclosure Victory for Homeowners in Hawaii in Notorious LSF9 Case New post on Livinglies's Weblog by Neil Garfield More kudos to Gary Dubin who keeps producing favorable decisions for homeowners. This ruling is important for a variety of reasons. This time it is all about the rules of evidence and legals tanding to even bring the claim. see US-Bank-LSF9-v-Verhagen-7-20-20 The first reason is that it presents a court of appeal that...

How to Use Experts to Win Your Foreclosure Case

How to Use Experts to Win Your Foreclosure Case The first thing you need to know is that the banks will never bring their own expert to contradict your expert. The second thing you need to know is that the use of an expert is complicated if you really want to achieve victory. People often request now that I provide expert testimony. The main reason they ask is that they think that if I say under oath that securitization is a scam, the court will then rule against the...

How to Challenge the Alleged Sale of your Mortgage Loan Debt to a Third-Party Debt Collector to Fight Foreclosure using the Uniform Commercial Code (UCC)

How to Challenge the Alleged Sale of your Mortgage Loan Debt to a Third-Party Debt Collector to Fight Foreclosure using the Uniform Commercial Code (UCC)   Under the laws of all states that adopted Article 9 §203 of the Uniform Commercial Code (all 50 states) a condition precedent to enforcement of the mortgage is that the claimant must have paid value for the debt. Such payment is often presumed from the apparent facial validity of (a) the original loan...

Mortgage Loan Default is NOT a Real Default Unless Someone Owns Your Debt and Can Prove Financial Loss

Mortgage Loan Default is NOT a Real Default Unless Someone Owns Your Debt and Can Prove Financial Loss It’s Not a Default If You Stop Paying — Unless Someone owns Your Debt and Can Prove Financial Loss by Neil Garfield posted 07/27/2020 NOTE: BE AWARE THAT WELLS FARGO AND OTHERS MAY HAVE PUT YOUR TRANSACTION IN A FORBEARANCE PROGRAM WITH UNKNOWN TERMS. I think that the banks have unfairly benefited from assumptions regarding the connection between the cessation of...

BBB Scam Alert: Foreclosure Rescue Scams

BBB Scam Alert: Foreclosure Rescue Scams By Better Business Bureau. July 16, 2020. Are you facing the threat of losing your home? Be wary of individuals and companies offering to "help" you out of your difficult financial situation. Consumer advocates report an increase in complaints about foreclosure "rescue" scams. These scams specifically target homeowners who are in financial distress. Scam operators may advertise over the Internet and in local publications, plaster posters on telephone...

Foreclosure Sale Under the UCC During COVID-19

FRAUD STOPPERS PMA is the #1 Company for Hybrid Legal Services. Stop foreclosure. Save Your Home. Sue the Bank. Sue for quiet title or wrongful foreclosure. Loan modifications, short sales, bankruptcy, credit repair, Bloomberg Mortgage Fraud Securitization Audits, Expert Witness Affidavits & Testimony, Legal Education, Nationwide Attorney Network & Pro Se Paralegal Support... Register now for a FREE Mortgage Fraud Analysis & Confidential Consultation Call by CLICKING HERE ...

Foreclosures on the rise but mortgage lenders still not helping homeowners 

Foreclosures on the rise but mortgage lenders still not helping homeowners   How Banks Can Avoid a Repeat of the 2008 Foreclosure Crisis by Michael Olenick July 09, 2020 U.S. homeowners are struggling to stay on top of their mortgages — and the problem is likely to get worse. According to real-estate data firm Black Knight, 4.6 million American homeowners were in some type of non-repayment as of June 16, representing 8.7% of all mortgages. If precedent is anything to go by, in many cases...

Wells Fargo Bank N.A as Trustee v. John L. Reed

Wells Fargo Bank N.A as Trustee v. John L. Reed Barclays Bank PLC Plaintiffs Error #4 Bill of Sale shows $1,214,208,.30 Download and read entire PDF 1_16_09_Amended_Motion_to_Vacate_a_Void        

FAQ Pertaining to Governor’s Executive Order Related to Pennsylvania Evictions and Foreclosures

1. When can I start foreclosure under these 4 scenarios:A. No Act 91 or Act 6 notice has yet been sent. Do I wait until Sept. 1 to send it?Yes, and, even if a notice is sent prior and the debtor rceived it, it will be deemed to have been sent Sept. 1, 2020.B. An Act 91 or Act 6 was sent prior to the first Order dated May 11, but the 30th day is after May 11, 2020.So I can start foreclosure September 1?No, the remaining time is added to the Sept. 1, 2020 date, thus if a notice still...

Rockingham Equity, PMA NO ONE HAS SAVED MORE HOMES THAN WE HAVE, EXCEPT FRAUD STOPPERS PMA

Rockingham Equity, PMA NO ONE HAS SAVED MORE HOMES THAN WE HAVE, EXCEPT FOR FRAUD STOPPERS PMA   Rockingham Equity PMA used to fly by night under the name Holms & Galt... After nearing getting their asses thrown in jail and shut down for pretending to be a law firm, they quickly changed names and are now claiming that no one has saved more homes then they have. No one could honestly make that outrageous claim unless they had all knowledge and information...

How long does the foreclosure process take in my State?

How long does foreclosure take in my State?  Home foreclosures can take a few months to a few years depending on your state laws and what actions you take to stop the banks from illegally foreclosing on your home. Every three months, more than 250,000 American homes go into foreclosure, according to the Mortgage Bankers Association.However, not all states have the same foreclosures process or timeline. In fact, some states may be more lenient to homeowners or the agency that issued...

Beyond Show Me the Note is Show Me the True Holder of the Note with Rights to Enforce 

Beyond Show Me the Note is Show Me the True Holder of the Note with Rights to Enforce  How to Use the Business Records Exception to Hearsay Rule to Keep Out “Servicer” Records in Foreclosure Cases Posted on July 2, 2020 by Neil Garfield Fundamentally you must understand that the investment banks want you and everyone else to look only at the payments history — not the debt, who owns it and whether anyone suffered a loss resulting from any lack of payment by the homeowner. Their strategy is to...

MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD

MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD Lynn Szymoniak, Esq., Editor, Fraud Digest, szymoniak@mac.com In the past ten years, hundreds of thousands of residential mortgages were bundled together (often in groups of about 5,000 mortgages), and investors were offered the opportunity to buy shares of each bundle. This process is called securitization. Each such bundle of residential mortgages was given a name, such as "Soundview Home Loan Trust 2006 OPT-2." The name...

The Hidden Costs of Homeownership

The Hidden Costs of Homeownership   Mortgage interest rates have dropped precipitously and that puts homeownership within reach for more people than ever before.   But before you jump at the substantial opportunity the real estate and financial markets may present you with right now, take a step back and consider all the costs of homeownership. There are many expenses—some one-time and others ongoing—to take into account when figuring your homebuying budget....

Confidential Wells Fargo Home Mortgage Foreclosure Attorney Procedure Manual

Confidential Wells Fargo Home Mortgage Foreclosure Attorney Procedure Manual 

7 Best Homeowners Insurance Companies of 2020

7 Best Homeowners Insurance Companies of 2020 INSURANCE 7 Best Homeowners Insurance Companies of 2020 UPDATED: MAY 11, 2020 10:23 AM ET | ORIGINALLY PUBLISHED: JANUARY 27, 2020 The average American homeowner spends more than $1,200 a year on homeowners insurance. That’s about $100 a month, year after year, for a product most of us will never use. It makes sense to find the lowest rates possible. But get this: The average homeowners insurance claim pays about $16,000 to...

Making an Offer on a House? 11 Strategies to Win

Making an Offer on a House? 11 Strategies to Win June 24, 2020 by Emily Huddleston Share on facebook Share on twitter Share on linkedin Share on pinterest So you’ve found your dream house and you’re ready to make an offer, but how do you make sure your offer stands out among all the others? How do you make your offer more appealing? Whether you’re dealing with a competitive housing market or a cautious seller, getting your offer accepted requires creativity, compromise, and a strong strategy....

Former Mortgage Company President Ronald J. McCord Indicted in multimillion-Dollar Fannie Mae Mortgage Fraud

Former Mortgage Company President Ronald J. McCord Indicted in multimillion-Dollar Fannie Mae Mortgage Fraud A former mortgage company president has been charged with 24 counts of financial fraud in a multimillion-dollar mortgage swindle, according to the Justice Department.Ronald J. McCord, former president of Oklahoma-based First Mortgage Company (FMC), has been accused of scamming Fannie Mae, two Oklahoma banks, and others, according to Timothy J. Downing, US attorney for the...

Wisconsin Foreclosure Defense Attorney & Whistle-Blower Wendy Nora Exposes Forged Documents used in Illegal Foreclosures Nationwide

Wisconsin Foreclosure Defense Attorney & Whistle-Blower Wendy Nora Exposes Forged Documents used in Illegal Foreclosures Nationwide Posted on June 5, 2020 by Neil Garfield Dear Attorney General Kaul, * My name is Wendy Alison Nora. I am writing to you with a copy of this email to the Administrator and Deputy Administrator of the Wisconsin Division of Criminal Investigations (DCI) in a continuing effort to report ongoing statewide crimes under Wis. Stat. sec....

Ineffective Lawyers Lose Foreclosure Lawsuits

According to Neil Garfield Lawyers Lose Foreclosure Lawsuits.... This will probably get me in plenty of hot water with lawyers. Homeowners should be winning foreclosures most of the time. The reason they don’t? — Ineffective Counsel. Posted on April 24, 2020 by Neil Garfield Well I am rapidly coming to the conclusion that the primary basis for appeal in capital murder cases — ineffective counsel — is the real reason why homeowners think that the courts are ignoring the obvious. This is most...

Carrington Forced to Pay Garland Texas Woman $755,000 in Foreclosure Fraud Lawsuit

Carrington Forced to Pay Garland Texas Woman $755,000 in Foreclosure Fraud Lawsuit Jury awards Garland woman $755,000 in lawsuit alleging foreclosure fraudAuthor: Teresa WoodardShe purchased her home in 2001, and paid on it for 14 years, but began to fall behind in 2015 and the home fell into foreclosure. Days after the foreclosure notice went public, someone knocked at her door, and offered to help sell her home.Dallas — Angelica Garcia is an immigrant from Honduras, a widow, and...

Illegal Foreclosures and Eviction Amid COVID-19 Foreclosure and Eviction Moratoriums

Illegal Foreclosures Amid COVID-19 Foreclosure and Eviction Moratoriums Although several State Governors have issued temporary moratoriums on foreclosures and evictions, banks and loan servicers are still committing illegal foreclosures and evictions using fraudulent foreclosure and mortgage loan documents and faulty assignments of mortgages. If you are an American homeowner you have a duty and responsibility to defend the title of your property against faulty liens and...

How You Can Weaponize Mediation Process

How Homeowners Can Weaponize Mediation Processby Neil GarfieldIn the 9th Circuit Court in and for Orange County, Florida the following administrative order has been issued:see 2012-06-03-Amended-Residential-Foreclosure-Mediation-Procedures-Orange-County The order requires mediation wherever possible. It is similar to many administrative orders issued throughout the country and its terms closely mirror most individual orders issued by judges in individual cases.The first thing about...

Coronavirus (COVID-19) Mortgage Elimination Program

The Time to Act is Right Now. You Can Benefit from the Current Coronavirus Outbreak Eliminate Your Mortgage using Current Federal Law!   The timing has never been better to stop foreclosure and put your mortgage lender or loan servicer in default and set yourself up for a major windfall. Mortgage Lenders and Loan Servicers cannot respond in time to the TILA Rescission Letters and Federal Debt Validation Letters homeowners all over the country are submitting due to the lack of...

Deutsche Bank National Trust Company Does NOT Legally Exist as Trustee for Borrower Loans

Deutsche Bank National Trust Company Does NOT Legally Exist as Trustee for Borrower Loans Deutsche Bank National Trust Company Legally Exists as a Company, But Not as Trustee for Borrower Loans Posted on March 10, 2020 by Neil Garfield Several readers have sent me information regarding DBNTC and pointed out that I had misstated the status of DBNTC in past articles. I think they were at least partially right. Thanks to all the readers who sent in comments and...

Quiet Title is Not as Easy as It Sounds, But It Could Lead to Successful Strategies and Tactics

Quiet Title is Not as Easy as It Sounds, But It Could Lead to Successful Strategies and Tactics Posted on February 18, 2020 by Neil Garfield The failures to disclose material facts providing the real context of the “loans” deprived borrowers of choice between lenders and deprived them of the opportunity of bargaining for terms that were based upon the economic reality — that the main point of the loan origination was not the loan but rather the sale of unregistered...

Has Your Fannie Mae Mortgage Been Sold to Private Investors? 

Has Your Fannie Mae Mortgage Been Sold to Private Investors?    You can get a trial ready Chain of Title Investigation and Expert Witness Affidavit to prove who the real holder of the note is, and is not, by clicking here   Quoting Neil Garfield: There is a shroud of mystery around the entire role of the FHA. Its purpose is to guarantee loans, which was expanded to buy loans. It was never a lender. But the process of buying loans was just as complicated as everything else...

FDCPA Claims and Statute of Limitations for Foreclosure Defense

JOIN FRAUD STOPPERS PMA TODAY AND GET A FREE FEDERAL FDCPA LAWSUIT and SAVE YOUR HOME FROM FORECLOSURE.... For details click here   FDCPA Claims Might Not Be Barred By Statute of Limitations by Neil Garfield Here is a powerful argument that SCOTUS acknowledged: nobody should benefit from their own fraudulent conduct. The FDCPA has a one year statute of limitations. And people have tried to litigate on the premise that the one year should run from the date of...

Mortgage Loan Servicers Tricking Homeowners into Renewing Statue of Limitations on Mortgage Debts to Illegal Foreclose on Homes

Mortgage Loan Servicers Tricking Homeowners into Renewing Statue of Limitations on Mortgage Debts to Illegal Foreclose on Homes   Collection Letters Can Renew Statute of Limitations by Neil Garfield The courts had previously protected borrowers as much as possible. Now there is a distinct trend in which even claims barred by SOL can be renewed and energized. For homeowners facing foreclosure they may be waiving a very powerful defense: statute of limitations. They...

Banks are using “settlement” as a means to fill title gaps. Don’t fall for it.

Banks are using “settlement” as a means to fill title gaps. Don’t fall for it. Posted on December 18, 2019 by Neil Garfield So what the bank lawyers are trying to do is put us to sleep with the legalese wording and essentially appear to be saying one thing when in fact they are saying something completely different. “In relation to” is an admission that “we don’t own the loan and we don’t know who does, but from now on you agree to treat us as though we owned the loan...

Monette Saccameno v. U.S. Bank N.A., trustee and Ocwen Loan Servicing LLC 7th Circuit Affirms $582,000 Punitive Damages Against Ocwen

Monette Saccameno v. U.S. Bank N.A., trustee and Ocwen Loan Servicing LLC 7th Circuit Affirms $582,000 Punitive Damages Against Ocwen Posted on December 3, 2019 by Neil Garfield “We are not sure how many human errors a company like Ocwen gets before a jury can reasonably infer a conscious disregard of a person’s rights, but we are certain Ocwen passed it,” Circuit Judge Amy St. Eve wrote, joined by Circuit Judges William Bauer and Michael Brennan. [e.s.] Editorial Note:...

How Borrowers Could Make Money from Mortgages and Foreclosures

How Borrowers Could Make Money from Mortgages and Foreclosures Originally posted by: Neil Garfield   Take a step back and then look at this situation from a wider perspective.   Understand that the real deal was the issuance of multiple levels of securities made possible by investors putting up money and borrowers signing their name. The investors did not understand they were creating an improper "yield spread premium" between what they were...

How to Use The Burden of Proof in TILA Rescission to Save Your House from Foreclosure 

How to Use The Burden of Proof in TILA Rescission to Save Your House from Foreclosure    Originally posted by Neil Garfield      Another analysis just completed for a client: The situation is that the homeowner sent a notice of rescission under the TILA Rescission Statute 15 U.S.C. §1635 within days of having "consummated" the loan agreement. By statute that notice of rescission canceled the loan agreement and substituted in place of the loan agreement a statutory scheme...

AURORA LOAN SERVICING ADMITS TO FABRICATING ALLONGES & INDORSEMENT PAGES TO ILLEGAL FORECLOSE ON HOMES  

AURORA LOAN SERVICING ADMITS TO FABRICATING ALLONGES / INDORSEMENT PAGES TO ILLEGAL FORECLOSE ON HOMES   Originally posted by Neil Garfield https://livinglies.me/2019/09/24/about-that-original-note/ Edward Hyne, Nationstar’s Rule 30(b)(6) witness refers to the practice as “preparing indorsement pages”. This is a partial transcript of the deposition. The case was set for trial Monday October 22, 2018: BY MR. RILEY: Q What is your testimony about the Note, Mr. Hyne? A The...

Why You Should Always Challenge Loan Servicer’s Standing to Foreclose

Why You Should Always Challenge Loan Servicer's Standing to Foreclose   Don’t Admit Anything About the Servicers Either — It’s All a Lie Another Great Post by the King of Foreclosure Defense Neil Garfield   Homeowners often challenged the authority of the named claimant while skipping over the actual party who is supporting the claim — the alleged servicer. You might also want to challenge or at least question their authority to be a servicer. The fact that...

Improperly Named Trustee on Deed of Trust Can be Liable for Actions on Behalf of Non-Beneficary

Improperly Named Trustee on Deed of Trust Can be Liable for Actions on Behalf of Non-BeneficaryOriginally posted by Neil Garfield I have long expressed the belief that the courts had it all wrong when they, along with legislative attempts, decided that when parties are named as trustees they are not responsible for their actions. That is and was always nuts. In this case the question gets even more specific. As I have repeatedly stated over 14 years in articles published in...

HOW TO WIN YOUR FORECLOSURE LAWSUIT IF THE BANK STONEWALLS YOU DURING DISCOVERY

HOW TO WIN YOUR FORECLOSURE LAWSUIT IF THE BANK STONEWALLS YOU DURING DISCOVERYOriginally posted by Neil GarfieldSo a recent question from an old client mirrored the requests from many lawyers and pro se litiangats about the discovery process. My answer is summarized in the following response to that question.FRAUD STOPPERS PMA is the #1 Company for Hybrid Legal Foreclosure ServicesWhat you are really asking is how and when can you use the non-response to Discovery as a way of...

Martin Act Threatens Banks Securitization Scheme

Martin Act Threatens Banks Securitization Scheme Originally reported by Neil Garfield   While most people didn’t notice, all of Wall Street took notice when the New York Governor signed into law a bill that extends the right of the state attorney general to investigate financial crimes and bring actions for equitable relief and damages. Investment  bankers may not be going to jail but they are about to be taken to the cleaners for creating illegal securitization...

Admission of False Affidavits and False Chains of Title

Consent Order Contains Admission of False Affidavits and False Chains of Title Posted on August 26, 2019 by Neil Garfield A lot of student loan debt ends up being claimed by “Trusts” that are exactly like REMIC trusts except they are not about residential mortgages. And as I have previously pointed out on these pages, the enforcement of those debts has gone through the same process of removing the risk of loss from those who made the loan and the creation of a scheme...

JUDGE RULES BORROWERS HAVE STANDING TO CHALLENGE ASSIGNMENTS

FEDERAL JUDGE RULES BORROWERS HAS STANDING TO CHALLENGE ASSIGNMENT AND ALSO AS TO BANK’S FAILURE OF PROOF The entire Opinion, which we have already discussed, is set forth below. Mr. Barnes represents the Gerbers and prepared all of the briefing on this matter for the Gerbers: Case 1:17-cv-01466-CCC Document 59 Filed 03/21/19 Page 1 of 17 IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA U.S. BANK NATIONAL : CIVIL ACTION NO. 1:17-CV-1466...

Uniform Commercial Code Article 9 §203 and the Holder in Due Course

Uniform Commercial Code Article 9 §203 and the Holder in Due Course Regarding the holder in due course and foreclosure defense, according to Neil Garfield he states: I have recently found it helpful to point out the difference between enforcement of a note and enforcement of a mortgage. All 50 states have adopted Article 9 §203 UCC which states that a condition precedent to enforcement of a mortgage is that the party who initiates the foreclosure action must be the owner of the...

Arkansas Foreclosure Law Firm Admits to the Absence of any Mortgagee in Court Documents

Arkansas Foreclosure Law Firm, Mickel Law Firm, Admits to the Absence of any Mortgagee in Court Documents   Attorney-In-Fact-For-An-Absent-Mortgagee   Why would a lawyer go to court without a client? Answer: Because they are engaged in total fraud, and they don’t care who knows it. It doesn’t matter if the lawyers trying to foreclose on your property don’t work for any real party of interest, or even if there isn’t a real party of interest who has the legal...

Judge grants temporary restraining order against St. Louis County foreclosure mediation law

Judge grants temporary restraining order against St. Louis County foreclosure mediation law This article first appeared in the St. Louis Beacon, Sept. 27, 2012 - A St. Louis County judge issued a temporary restraining order against St. Louis County's foreclosure mediation program, effectively freezing the implementation of the initiative signed into law earlier this month. The initiative, which the St. Louis County Council passed in August, was supposed to go into...

Chase Laundered WAMU Loans Through Offshore Accounts with Fictitious Names

Chase Laundered WAMU Loans Through Offshore Accounts with Fictitious Names Here is what we know: Washington Mutual (WAMU) was in the business of originating loans  not lending money. WAMU sold every originated loan before, during or after loan origination. Its securities subsidiary ppcoletedd then profits and was liable for buy-backs which everyone knew could never be funded. This process resulted in the origination of of approximately $1 Trillion in mortgage loans. No assignments...

California Judge Rules for Borrower in Post-Sale Eviction Proceeding

California Judge Rules for Borrower in Post-Sale Eviction Proceeding Originally by Neil Garfield   This is the latest of a string of decisions from trial judges who took the time to carefully analyze the law and then facts. In this case the issue was whether the Plaintiff in a lawsuit for Unlawful Detainer could be awarded Summary Judgment simply because the sale had been recorded.   This decision, following the law in all jurisdictions, says that recording...

How to Use Article 9 §203 UCC Requiring Value Be Paid for Debt to Fight Wrongful Foreclosure

How to Use Article 9 §203 UCC Requiring Value Be Paid for Debt to Fight Wrongful Foreclosure by Neil Garfield What many lawyers continue to miss is that there is a difference between the laws entitling someone to enforce a note and the laws entitling someone to enforce a mortgage. There are different public policies behind each one. For Notes, the public policy is to encourage the free flow of negotiable instruments in the marketplace. For mortgages, the public policy is to make...

Federal Judge Slams Bayview and Attorneys on Illegal “Modification” Maneuvering

Federal Judge Slams Bayview and Attorneys on Illegal “Modification” Maneuvering Originally posted by Neil Garfield The Lesson here is that the denial of modification presents and important opportunity to challenge the practices, authority and viability of claims by parties who seek to collect, enforce or administer loans.  [This decision is dated 11/15/17. Check any future litigation or comparable decisions before using. ] The goal is foreclosure. There can be no doubt...

Calif. Supreme Court Allows Creditor Holding Senior and Junior Liens to Seek Deficiency on Sold-Out Second Lien

Calif. Supreme Court Allows Creditor Holding Senior and Junior Liens to Seek Deficiency Judgment on Sold-Out Second Lien Originally posted by Maurice Wutscher LLP June 26 2019 The Supreme Court of California recently held that the anti-deficiency statute in California Code of Civil Procedure § 580d did not bar a creditor holding two deeds of trust on the same property from recovering a deficiency judgment on the junior lien extinguished by a non-judicial foreclosure...

McDonough v Smith: U.S. Supreme Court Rules on Suing Banks for Fabrication of Evidence

McDonough v Smith: U.S. Supreme Court Rules on Suing Banks for Fabrication of Evidence Originally posted by Neil Garfield This decision is extremely important for 2 reasons. 1st, it reaffirms a right under federal law to bring an action for damages for fabrication of evidence. 2nd, and equally important, it establishes that the time to bring such a claim does not start until the conclusion of litigation, whether successful or unsuccessful. See U.S. Supreme Court...

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