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  1. kristin says:

    About 1 year ago I won my own case after years of fighting. In the end my attorney ditched me and I had to negotiate with the bank on my own. But I did it. It really is better to have an attorney. And to save every penny you can from the point of default to the moment you go to trial. At our motion to vacate final judgment hearing the clerk said we did the impossible. Which proves it’s possible!

    • Trevor says:

      Outstanding Kristin.
      Great job and no, you cannot give up or in with these monsters, you have to go all the way…

      Thanks for sharing the good news.
      Impossible and highly improbable are not the same. – Hitchhiker’s Guide

      In other ‘good news’…

      After 9 years of dealing with FretLife Banking Cartel and the dishonest and unethical attorneys they hire….
      I am finally getting my case brought before a 3 member panel of Bar Ethics ….

      The attorney…..she….was served.
      They are finally taking this seriously.
      $35,000 and some dignity is on the line.

      I lost 10x that in equity.
      Sold off my Roth IRA 30 years early to be build the house ….the lemon….
      Funny now the house is worth nearly $500k and I’m renting my 7th place.

      Its called Gang Stalking.
      TI.

      I tell the world on Twitter ever day how badly Steve Kandarian and FretLife screwed me over.

      Now Justice tides are coming in….
      Congrats.

      Never give. ☝.

    • After 40 yrs of real estate sales,title work and consulting with lawyers. given that many times I knew more about the foreclosure than they did.I even caught one charging his client for talking on the phone with me. All I can say is NEVER NEVER agree to a 30 year amortized mortgage. If you do manage to pay it for 30 years you will pay 4 times the price on your contract. If you must use a bank 15 years tops, Or better yet borrow from the seller many people my age selling property would rather have a fat check every month. The 30 yr mort has average life of only 7 years during this time you will pay 95% of your payments toward interest. More likely you will relocate or divorce or be foreclosed upon for abandoning the property you could not afford to begin with. Always try for owner finance If your lender die and leaves the paper to heirs its quite easy to discount and pay it off for less than owed. I have done this and the heirs shareing a 300 mo. payment were delighted.Never sign a balloon note.any Title company can turn your offer into a contract .

      • Bobbi Swann says:

        @Lee Parkerson – so you think that any seller-held mortgage (first or second) is not going to charge interest? Same kacky pants ~ amortization is what it is. Sellers are now more astute and they want their equity (whether in cash or via mortgage) to be competitive with the market and they usually don’t go long term either; most is done with a balloon in a 5 or 10 yr term. I don’t care where the money comes from – math is the same and 95% of the payments the first 5 years are going to be towards interest. We don’t use Rule of 78’s anymore and being if you’ve been in the business as long as you say, you would know that.

  2. Tom Heinrich says:

    …why aren’t you asking an ATTORNEY instead of lay people….don’t you know for about 20 bucks a month you can have access to large law firms all over the Country to ask questions, get advice, get legal opinions, find case law, have documents reviewed, have them write letters and make phone calls, do legal research, even prepare and update your Will and Health Care Directives regularly ? I REALLY THINK EVERYONE SHOULD BE A PART OF THIS RESOURCE…I talk to attorneys all the time, why would I guess or not know something for sure when all I have to do is PICK UP THE PHONE !!! Please don’t try to take out your own tonsils !!!

  3. Disgusted1 says:

    You can email me at k3m167@gmail.com

    I’d like to talk to you.

  4. dawn casey says:

    I am in foreclosure w/bofa as servicer and Bank of Ny Mellon as plaintiff, I obtained a letter from BONY where they stated “we don’t own your loan and therefore can not foreclose on your property” provided as evidence in SJ and the moron judge found in their favor anyway, then my atty allowed the time to appeal to lapse, leaving me with HIS only option, a loan mod!! I made in perfectly clear to my high-priced atty that I wanted NO part of a loan mod as there was no loan and no owner, and that NO ONE was hurt when I defaulted, in fact they made a ton of money when we signed the Promissory note. I filed a complaint with the judiciary committee about this inept black robed moron and suggested that if he was going to preside over foreclosures he had better learn ALL about the fraud and deception within the “loan” and paperwork the foreclosure mills are waving around as valid. I now have no idea in which direction to proceed as my paid every month attorney dropped the ball, this wrongful decision was decided with no plaintiff or defendant present and did this ALL BY HIMSELF, he was just moved to foreclosure court less than six months ago after spending his entire, abusive career in family court, so he couldn’t know all there is to know to properly decide on any case and I have found hundreds which are trustee only foreclosures and everyone knows trustees have NO fiduciary duties and it is illegal for them to pursue foreclosure per the PSA and SEC regulations they must follow, the assignment to BONY was put in recorder’s office 11 yrs after the closing in 2004, so obviously never made it into the trust. The foreclosure mill provided an attestation from someone that was asst vp for bofa but she doesn’t exist. The entire thing is fraud, yet the judge found in the trustee’s favor, with no admitted standing or right to pursue. What is wrong with our judicial system and why does every judge still believe that everyone is a dead beat homeowner and therefore deserves to lose their home. My first “loan” is so much worse, with document tapering in the county recorder’s office without the required court order, which makes me think they too are involved in the fraud against American homeowners too. I don’t intend to sit idly by and allow a $50lk loan steal my home worth at least $430,000 now. NOT a chance in hell. I just need to know if anyone out there can tell me what my option are now that my atty dropped the appeal ball, thanks!!! Dawn

  5. Brooke noble says:

    My name is Brooke Noble, I need to tell the story of how Wells Fargo killed my mom Marsha Kilgore whom had a terminal illness and was oxygen dependent. My mom studied diligently to learn enough of the law in order to sue Wells Fargo for a wrongful foreclosure. 
    We purchased our condo in 1990 for approx, $80,000 with a $20,000 down payment. Then in 2006 my mom was solicited for a loan with World Savings Bank, she was told it was a fixed rate mortgage so she signed for this pick-a-payment loan, later that same day we read the details of the loan documents and found that it was NOT a fixed rate at all and several other inconsistencies, so we canceled within the allotted time frame with the right to cancel form provided, yet it was not honored. In 2010 it became  Wachovia and we applied for a loan modification and were advised by their agent to miss 3 payments in order to qualify for the modification, (this practice is called dual tracking and is illegal now) Then we are told we did not qualify for modification and are in default, no partial payments could be made. So foreclosure procedures had started, and Wachovia became Wells Fargo. My mother and I dug deep into our documents, and found robo-signed docs, fraud, and forgery of the loan application, so my mom filed a suit against them for a wrongful foreclosure, we were granted a TRO in state court, then it was moved to federal court where we were granted a preliminary injunction prohibiting the sale of our home. Through all of this my mom was growing tired, getting weaker and worn down. We overeducated ourselves, got a loan audit, found the REMIC our loan was pooled into in securitization, we learned how the judges pensions are mixed in with the mortgage backed securities thus the injustice of it all. Representing yourself in court is not easy, it is difficult to succeed with all the bullshit legal babble and fucked up rules that don’t bring about justice or balance. We didn’t know what we were doing, we only knew we were right and we were going to fight for what was ours. In July of 2012 it reverted back to the lender even though there had been a preliminary injunction prohibiting the sale of our home. I was at the auction armed with documents that should have at least postponed it. Apparently breaking a court order is permitted if you are the bank. So shortly after that Wells Fargo sued us in unlawful detainer court, they are trying to evict us. My mother was fighting to keep her home, and her life, she is calling every city official in Fresno to do something for her, she could hardly breath, but wouldn’t stop trying. She had her documents to prove all her claims clenched in her little hand just begging someone to Care. So in the unlawful detainer hearing arguments about how we were robbed of our home was irrelevant in the current proceeding, so no issue of title could be argued, it was during this fight that I saw my mom suffer the most stress and worry, She had a tank of oxygen rolling beside her, with her clothes too big for her, shaking, and worried to death. Anyway wells Fargo was granted their writ of possession giving us 2weeks to be out. My mom was in denial just sitting and staring, or still continuing to make contacts and fight for the house. I packed up all of our stuff in a daze not knowing what was going to happen just knowing that my toughest days were to come, what were we going to do? We have no family but each other and 5dogs, we had invested the little we had of everything into the fight for our home. I wish we had made contacts with a resistance movement to protest or sit in. Just to have the support of those who know what is going on. Maybe that could have made a difference for us. Instead it was like this.. The Fresno Sheriff department contacted the homeowner association director to inform our neighbors not to be outside at 6am on may 6 2013 during the lockout that no one might help us. My mom was like “what do they plan to do to us?” and on the morning of the eviction my mom called the police to come save us from the sheriff lockout, but to no avail. We were given an additional 24 hrs cos we still had a lot left to pack, the locks were changed but we were allowed to stay until 10am the following day on may 7 2013 to be out. I worked through the night trying to get everything out on time, we ended up not able to get some stuff out, but told no more time was allowed for us there and pushed us into the garage. The agent said that everything that we were keeping could be held for us in the garage. We set up a chair in the garage and had her oxygen concentrator plugged into the wall, it needs electricity in order to function, her portable tank holds only 2hours before needing to be refilled , without oxygen my mother wouldn’t survive, i continued moving the things we would be coming back for when we could into the garage. My mom was asking him for help at this point, she said that we had nowhere to go, and no money. She cried and he told us that we had known for 2 weeks on what date we had to be out, that was time to have made arrangements. Then he said that our time was up and we needed to leave now and he pushed us out into the alley with our 5 dogs and closed the garage door behind us. Throwing us on the street like dogs. It was a hot day, I loaded her machine and dogs into our firebird. I was so concerned with getting our stuff out on time that I had no plan. My mom was in shock and had never asked me what we were going to do, she always had it figured out, everything had changed. I didn’t want her see me worry So we went into a backyard of a vacant house in our neighborhood so i could think about what to do. We sat with our feet in the pool and let the dogs run around the backyard. The memory of my mom sitting there utterly defeated and frail is burned into my memory, with her 2 hours of air left before we would need to get somewhere.. So we didn’t have any money for a room and had to sleep in our car, the oxygen concentrator was a big machine so i would have to have the backseat folded down and store the machine behind my seat and put blankets and bags around it for the dogs, we would recline her chair back so she could attempt to get some rest. the 1st couple nights plugging her concentrator up at a gas station and a store. After the 3rd night in the car I was exhausted and it was her cell phone alarm to remind us when there was 15 minutes left so I could take it to the same gas station that let us wheel the thing in use their outlet to refill her tank. But no alarm went off and before long my mom was unable to breath and had to go to hospital. It was a nightmare. I found a seedy motel on parkway dr for $25 a day, My mom was still fighting name is Brooke Noble, I need to tell the story of how Wells Fargo killed my mom Marsha Kilgore whom was elderly, had a terminal illness and was oxygen dependent, yet was forced to learn enough of the law in order to sue Wells Fargo for a wrongful foreclosure. 
    We purchased our condo in 1990 for approx, $80,000 with a $20,000 down payment. Then in 2006 my mom was solicited for a loan with World Savings Bank, she was told was a fixed rate mortgage so she signed for this pick-a-payment loan, later that same day we read the details of the loan documents and found that it was NOT a fixed rate at all and several other inconsistencies, so we canceled within the allotted time frame with the right to cancel form provided, yet it was not honored. In 2010 it became  Wachovia and we applied for a loan modification and were advised by their agent to miss 3 payments in order to qualify for the modification, (this practice is called dual tracking and is illegal now) Then we are told we did not qualify for modification and are in default, no partial payments could be made. So foreclosure procedures had started, and Wachovia became Wells Fargo. My mother and I dug deep into our documents, and found robo-signed docs, fraud, and forgery of the loan application, so my mom filed a suit against them for a wrongful foreclosure, we were granted a TRO in state court, then it was moved to federal court where we were granted a preliminary injunction prohibiting the sale of our home. Through all of this my mom was growing tired, getting weaker and worn down. We overeducated ourselves, got a loan audit, found the REMIC our loan was pooled into in securitization, we learned how the judges pensions are mixed in with the mortgage backed securities thus the injustice of it all. Representing yourself in court is not easy, it is difficult to succeed with all the bullshit legal babble and fucked up rules that don’t bring about justice or balance. We didn’t know what we were doing, we only knew we were right and we were going to fight for what was ours. In July of 2012 it reverted back to the lender even though there had been a preliminary injunction prohibiting the sale of our home. I was at the auction armed with documents that should have at least postponed it. Apparently breaking a court order is permitted if you are the bank. So shortly after that Wells Fargo sues us in unlawful detainer court, they are trying to evict us. My mother is fighting to keep her home, and her life, she is calling every city official in Fresno to do something for her, she could hardly breath, but wouldn’t stop trying. She had her documents to prove all her claims clenched in her little hand just begging someone to Care. So in the unlawful detainer hearing nothing about how we were robbed of our home was relevant in the current proceeding, so no issue of title could be argued, it was during this fight that I saw my mom suffer the most stress and worry, She had a tank of oxygen rolling beside her, with her clothes too big for her, shaking, and worried to death. Anyway wells Fargo was granted their writ of possession giving us 2weeks to be out. My mom was in denial just sitting and staring, or still continuing to make contacts and fight for the house. I packed up all of our stuff in a daze not knowing what was going to happen just knowing that my toughest days were to come, what were we going to do? We have no family but each other and 5dogs, we had invested the little we had of everything into the fight for our home. I wish we had made contacts with a resistance movement to protest or sit in. Just to have the support of those who know what is going on. Maybe that could have made a difference for us. Instead it was like this.. The Fresno Sheriff department contacted the homeowner association director to inform our neighbors not to be outside at 6am on may 6 2013 during the lockout so that there was no one there to help us. My mom was like “what do they plan to do to us?” and on the morning of the eviction my mom called the police to come save us from the sheriff and the lockout, but to no avail. We were given an additional 24 hrs because we still had a lot left to pack, the locks were changed but we were allowed until 10am the following day on may 7 2013 to be out. I worked through the night trying to get everything out on time, we ended up not able to get some stuff out, but told no more time was allowed for us there and pushed us into the garage. The agent said that everything that we were keeping could be held for us in the garage. We set up a chair in the garage and had her oxygen concentrator plugged into the wall, it needs electricity in order to function, her portable tank holds only 2hours before needing to be refilled , without oxygen my mother wouldn’t survive, i continued moving the things we would be coming back for when we could into the garage. My mom was asking him for help at this point, she said that we had nowhere to go, and no money. She was crying and he told us that we had known for 2 weeks on what date we had to be out, Then he said that our time was up and we needed to leave now and he pushed us out into the alley with our 5 dogs and closed the garage door behind us. Throwing us on the street like we trash. It was a hot day, I loaded my moms machine and dogs into our firebird. I was so concerned with getting our stuff out on time that I really didn’t have a plan. So we got into a backyard of a vacant house in our neighborhood so i could think about what to do. We sat with our feet in the pool and let the dogs run around the backyard. The memory of my mom sitting there utterly defeated and so sick and frail is burned into my memory, with her 2 hours of air left before we would need to get somewhere soon. W didn’t have any money for a room so we had to sleep in the car, the oxygen concentrator is a big machine so i would have to have the backseat folded down and store the machine behind my seat and put blankets and bags around it for the dogs, we would recline her chair back so she could attempt to get some rest. the 1st couple nights plugging her concentrator up at a gas station and a store. After the 3rd night in the car I was exhausted and it was her cell phone alarm to remind us when there was 15 minutes left so I could take it to the same gas station that let us wheel the thing in use their outlet to refill her tank. But no alarm went off and before long my mom was unable to breath and had to go to hospital. I found a seedy motel on parkway dr for $25 a day, My mom was still fighting for the house, she called wells Fargo requesting relocation assistance, and was wanting to appeal the judgement but being displaced we couldn’t locate the documents we needed or come up with or the money within the 30 days we had to file by, so her hope was fading. She was hospitalized again for a few days and I asked the hospital to please keep her for the weekend and allow me to find a better place to stay, as being confined to a small room with 5 dogs is not going to be good for her. I was trying to make arrangements to go somewhere else or have the dogs stay with someone for a while, the hospital couldn’t hold her any longer and was going to give her a taxi voucher to get dropped off wherever. My mom didn’t understand what I was trying to do and thought I was just not wanting the responsibility so was trying to leave her at the hospital. So she called me on the phone and said “Brooke you can put me in a home if you want to.” I broke down crying she thought I would leave her right then just because it was hard? I had no choice to bring her back to the motel room. And her condition was getting worse and I wasn’t going to have her die in some dirty motel room, just as the manager was pressuring us to go because of the oxygen concentrator and energy costs they asked us to find somewhere else. So I found a house with a backyard that was recently bank owned with electricity on that happened to be in our old area and I got inside and we squatted there. We were only there less than a week when my mom needed to go to the hospital again. She was in ICU and her respiratory was failing. She went in October 9 2013, and my mom passed away October 16 2013, within 5 months of us being evicted. I sued Wells Fargo for the wrongful death of my mother, she worked hard her whole life, was in real estate herself and made principle payments on a property for 23 years only to have to walk away with ruined credit? My mom died a broken woman, she came from a different generation when the middle class was thriving, the American dream was obtainable, and there was protection for consumers against predatory loans like this. In the end there was no justice for us. So I believe that murder should be added to Wells Fargos list of the crimes they have gotten away with. I had representation this time but in the end they prevailed somehow, having their Summary Judgement GRANTED then – CASE CLOSED. I don’t see how the case could proceed while I had been incarcerated for the past 8 months (for stealing appliances out of a foreclosed home in Nov. 2014) I can’t stand the bank, always profiting from what the previous owner invested, it is sickening. So now I have nothing but a lot of pain, and anger. There was no justice for us. Not then when we spotted the fraud and filed our suit, not during the foreclosure when the stole our home and granted a judgement in order to evict us, and even today as I tried to avenge my moms death that was completely the fault of Wells Fargo and every dark hearted attorney that they hire. So now what can I do? I am at a loss and what other way can I fight this? I want to feel like I did what I could to avenge my moms death so that I can let it go someday. I feel very cheated and wronged.     

    • Tom Heinrich says:

      I would send your story to every politician you can find, every law school and legal clinic you can find, every TV show yoy can find, every screenwriter you can find, and to the United States Department of Justice Civil Rights Division and your state and county consumer protection agencies.

      Your mom is not alone, Wells Fargo foreclosed on the wrong condo in California and the innocent homeowner dies right there in Court right before the Judge, of a heart attack.

      Wells Fargo has no heart. Nor do banks. We need fundamental changes in laws so this won’t happen again and your mom didn’t die in vain…join and start legislation and regulatory advocacy groups…channel your energy into meaningful change. Maybe some attorney will think up some way to stop Wells Fargo and the banks from continuing their outrages…some positive changes HAVE occurred, but many more still need to ! Do your part. Make this heartbreaking story widely known ..Wells should be unmasked. Media and legislators are where to do it.

      ALL OF US SHOULD DO THE SAME !!!

    • Bobbi Swann says:

      Can I post your story on facebook? It needs to be shared and brought to the public view.

  6. Karl says:

    I live in Florida and my house has been in various forms of foreclosure for 6-7 years. It was first held up by the Countrywide/BOA thing and then I hired a “hot shot” attorney that staved off going to court for a couple years then got case dismissed before it ever did. He was great. Bank reopened the case, same attorney staved off again until it finally went to court in August 2016 and we won case on statute of limitations foul-up by bank. Bank appealed in October, 2016. Bank dropped appeal in December, 2016. Is that because of the new Florida law? Am I out of options? Statute of limitations was my last defense. Should I hire said attorney again or is this the end of the road?

    • Tom Heinrich says:

      GIVE US THE NAME OF THIS ATTORNEY !

      …and yes, why would you use an unproven lawyer when you clearly have a (multiple) winner !! The road ends when you default on some term of your note and don’t cure it in time or you don’t find a fatal flaw in how they are trying the matter…if they finally get it right, you’re history !

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