@ Hell No…. – that is exactly what I did in my case and it turned out that the lender was NOT registered with MY state to conduct business and then they tried to “assign” the mortgage to one of their subsidiaries, which of course, is registered with the state. They sent me a letter telling me that the mortgage has now been assigned and I sent back a request for PROOF of the RECORDED assignment. They won’t send it, of course, because that would put them in the hot seat of outright fraud! And the letter they sent me telling me that it was assigned means absolutely nothing. I want PROOF that it was recorded and as of this date, the county recorder’s office has no such document of record. No reply to my request but more recently they “charged off” my mortgage and now some collection agency has the debt. Now I have sent a request for an investigation into the “validity” of the debt under the FCRA (Fair Credit Reporting Act) to this collection agency. No response to date. Oh, and since they could not produce the “original wet ink Note” at the foreclosure which is required under Florida foreclosure statutes, they cannot validate the debt either. But, still waiting….

Correction to the above:

Meant “court proceedings” not “court procedures.”

In other words, meant to reference the time-line not the rules (in this particular instance, except at-a slant since the rules aid the resourced).

The time-line can be shrunken or stretched by those with the means to do so, and the resources and stamina for daily living.

So generally agreeing that it might take a while before certain documents emerge. Interested in other and further views, and once again thanks for the forum.

Greetings, and

on your interesting point that they CAN bring forth documents, only one factor but a real one is that many homes that on the merits would not be lost are lost due to the stress of court procedures.

The court is extremely overworked and under staffed, plus what is going on is real time CLE (continuing legal education). The longer the “plaintiff” lawyer waits to give the evidence, the more legal fees the lawyer collects, billable hours wise and otherwise..

Of course that is their profession, and they have rights to fees, but by the time the homeowner is filed against there is an army of interested persons, a battalion of ‘grinding axes’ or fire-irons, for career and other reasons, against the homeowner.

What to do? Even if one is as in the film “mad as hell” or living in it.

Reading on, and sending best wishes,
elders.in.foreclosure@gmail.com

eif, don’t let them drive you nuts!!!!! Find the Origination fraud….!!!!!

Javagold,,,,In your recordings at the Origination of your loan, is there a deed conveyed to you??? after that occured is there a mortgage and an assignment of Mortgage or a Collateral Assignment under Land Trust aggreement with doc numbers that match that deed doc #?? In mine there was a mortgage recorded attached to nothing (look for a prior doc #) and no assignment recorded….They never secured the collateral lien in 18 years…. My recorders office told me because of that my house is paid for….The statutute limitations in my state is 12 years to properly record and assign a lien..the recorders office told my and my husband, we can live in our house, sell it or do whatever we want with it….They actually hid the Origination fraud from me under an old pin and gave me a new pin after the second bank came along and released the mortgage to me and my husband though they did not tell me this……LOL!!!!!!!..The attorney at the recorders office gave me my old pin# so I could get to my deed which is LIEN FREE……I HAVE HAD THE DEED WITH TITLE INSURANCE ATTACHED STAMPED PAID FROM THE RECORDER’S OFFICE SINCE THE ORIGINATION….My recorders office knows all about the mortgage fraud that was rampant in the mortgage industry and talks about on their home page……..These crooks are going down!!! Best of Luck to you getting to your LIEN FREE DEED at your recorders office!!!!!!!!!!!!!!!!!!!!!!!!!

PS all correspondance we receive from BOA in the past 3-6 months now states that Freddie Mac is the investor, when they never said a word the past 5 years and actually told us many times over the phone that they do have to give us that information when we asked for it………seems strange that its now included in all the papers they send to us and i am sure there is some fraud/sneaky reason why

BECA– USE OF ALL OF THAT RAMPANT FRAUD, NOT ONLY SHOULD THEY BE FORCED TO RESCIND THE LOAN AND GIVE CLEAR TITLE BACK TO THE HOMEOWNER BUT THEY COLLECTED MONEY WHEN THEY LOST TRACK OF WHO OWNS THE MORTGAGE……..SO, THESE SWINDLERS AND FRAUDSTERS NOW OWE US ALOT OF FREAKING MONEY………..NOT INCLUDING THE BAILOUT MONEY THEY STOLE FROM ALL OF US……