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.
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?
Am I right that most of the users of this Board go commando without using top-notch skilled lawyers to strategize and to present and argue the facts, legal points, law, regulations, and case law in educating your judge, and then bitch about when the judge doesn’t give you what you want ???
Are you nuts ?
I didn’t get half of my home for free with my ( now FORMER ) lender ordered to additionally pay my 25% income tax on the amount of my Court-Ordered forgiven mortgage debt BY ACCIDENT, and Ben Howard didn’t win HIS foreclosure case outright with the lender unable to collect a single penny from him AND having to pay all the real estate taxes and property insurance on his property for as long as he wants to stay in his gorgeous home near the ocean by Happenstance, it took FIVE sets of lawyers……including two former Florida Assistant Attorneys General to prepare and present and argue his winning case, and I actually had (free) assistance from the government !!!!
PEOPLE, the legal system is a MORASS stacked against you (you all KNOW that)…. I plead with you to seek out and use the brilliant legal minds who have gone before through the jungle cutting the path that wins.
I have lawyers all across the country available to me who charge me NOTHING and will even represent me for free through trial should anyone else try to sue me for ANY reason, and I dare say my out-of-pocket is less than $20 a month, I can pick up a phone and call a lawyer anytime and pick their brain and have them review things…even make calls and write things on my behalf.
I WILL BE GLAD TO SHOW YOU HOW TO DO THIS !!!
I love law, you all know this, but I dare say anyone who ventures before a judge MUST have an air-tight presentation ready, you must educate the judge and show them that they have no CHOICE but to grant you what you seek ??
If you want me to help you find attorneys to talk to, it will be my pleasure. Pick up your phone and call me !!! 954 781-9300
I am a true activist in groundbreaking Florida, land where I have a well worn path and forged untold landmines in the treacherous waters of uncertainty in this ever changing landscape of unpredictability, home to many, many skilled attorneys and properly educated judges, few as they may be.
I’d love to hear your stories in person. If I can point you in a more effective direction, I will be glad to share what I’ve learned in the hopes you’ll join Ben and I, relieved of significant debt and secure in our ownership – but not after a grueling fight the other guys lost.
I’m retired, anytime 9am to 9pm Eastern is fine to call 7 days a week.
Remember, I started in the mortgage industry back in 1965, and am still licensed. This is NOT a solicitation of professional services on my part… I WANT TO SEE YOU WIN !!!
Congratulations for ‘staying in the hunt’ for justice, not just-us….bankers club. Like they say, if it were easy, everyone would be doing it. When the criminalize us for being homeless….after stealing our homes…uhhh, ‘psss, hey God….this ‘anint right’. Please accept my prayers and best of luck….CHASE needs to be dropped like the criminal cartel they are…..go get ’em! trev
Kent yes post eviction but still in the fight. Here’s article in Vanity Fair Jamie Dimon’s $13 Billion Secret—Revealed
A draft complaint documenting JPMorgan Chase’s alleged role in the financial crisis has long been a mystery. Until now.
SEPTEMBER 6, 2017 2:54 PM
Back in April author sounding pro WS but makes some sense although he may be seeing the light! http://www.latimes.com/opinion/op-ed/la-oe-cohan-wall-street-regulations-20170402-story.html
Hammertime you and I have been speaking on her for several years. Insight to DOJ files ?
Hey Kent you can pile on with DOJ files just released
I’m now in my second battle with Chase after 8 years. In the new admissions they agreed they didn’t own the note when they filed for foreclosure. Huh I give you one guess how this will turn out
Thank you Dave….your advice today, is as genuine, straight-forward and worth a try…as it was years agao…when we first ‘met’….Idaho…is so rotten that finding ONE HONEST / FAIR JUDGE who is not brainwashed by the LDS Faith….is a hunt for something rare….but do-able….and I need something to do….something productive.
Perhaps I will be that John Doe….and after I put my rack to the dust…..after I join the Fall RUT of the Ages….I would be John Buck or John Bull. . of Johnny come lately….but better late than never. Christ turned the money changers’ tables…I would like to drop a couple banks to their knees…….like they di so many of their fellow Citizens….at the top…those CEO Slugs….are just people….they have to show up in Court….they have to put their pants on….one leg at a time…like the rest of us.
I just may you up on this, the challenge…..and invite 999 others to party with me.
Time waits for no one…even a traveller.
Thank you DangeroooooseDave…you make it fun….you make seeing just how possible is…fun….your gift.-Trev
The problems are pro se litigants cannot pursue class action suits.-
Instruction- Represent yourself as Class Member 0 and disclose to the judge that you know of other possible members. Make a motion that the judge assign a US Attorney as your litigation assistant to certify a CLASS and properly represent the interests of John Doe and Jane Roe #1-999. He has a Mortgage Fraud Task Force Working Group at his disposal.
The judge will either grant your motion or deny it.
If he denies it, this is an appealable error, probably one of many. You may appeal it immediately, or just save the item for your general appeal.
Hello Ms. Kellie:
First off….no, I know nothing about GMAC but i can bet you silver dollars to donuts that the head criminal at this outfit is connected to the pyramid…he/she has too….and therefore I can get to him/her….think of it like this…..I am the lightening/grounding rod ON TOP of the 7 star lifestyle they are living….thieving from good peole like yourself. So, if the outside antenae want to ‘smack’ the tenant living in the penthouse….well….we are like neighbors…think of it like that….imagine if your cable wires could come into your house and choke you if those wires thought you were a bad ‘tenant of the Word’…mockingbird…..wit me?
I am happy to hear you are in the mid/late stages of holding these bastards accountable….and if there is going to be a tidalshift, I would expect it to come from the Lone Star State…..y’all are independent….take no crap from illegal outfits….yet you still have chalenges with the bench-stench……I have the same issue here in Idaho…as my comments 2009-2017 will support.
Here is what I can do……I can inject myself into the process…..and as the way things stand…I just did….these walls have eyes and ears. I CAN/WILL give a heads up the Magistrate….him/her….in essance I can ‘write a letter to the Judge’ respecting due process….by lending (circumstantial evidence to the claim of FRAUD and misuse of power)…..I would write this letter if you could help me with a name/Judge and address…..I have Senator Warren on stanbye and I think somewhere in D.C. is an ET who could have that Judge make certain you case is heard FAIRLY….without out political influence….I think the Clinton and Obama monsters had a fear grip on all Judges….500+ murders have been atributed to those lushes……so now that the original (real) Hillary is dead…..she is…..I suspect the fear level is greatly diminished…..(think W. of Oz, house on witch scene)…..the Judges can come out now……
same for you…..email me….give me permission…soft…..and I will try to what I can without making anything worse………how could it get any worse…these FOOLS are making up the rules as they play the game……like calling a homerun a touchdown……giving themselves 6 points instead of 1……..yeah, email and I will try to head them off at the pass………old trick.
no promises….but it could not hurt…and will likely wake them stars up……deep in the heart of teh-hAs.
peace….and good luck.
I guess maybe deep down, I want to see one person clean their clocks…or as they used to say in your parts…..’Hang em high at noon’…..’make an example of them’. I have pull, let me use it for the +.
Hello Mr. Trevor ,
Do you have the connection for GMAC and all the evil that comes with these crooks. ? We have a law suit going on in Texas right now as my mortgage is the poster child for fraud, theft , deceit you name it it’s there. So now we get to fight criminals in black robes. Really pathetic anyway you slice it.
I would like to help you….my way….but I guess I would like to know if I can? I have had luck getting into the heads of the CEOs who lead this theft…..and idk…i may have some clout as others around the world are getting the ‘little boy horus newshour update’…ww.
Could you please email me permission…your name…any perhaps an account or reference number….my Family has had a Banking relationship with BoA since the 1960s…..and well…I am not too many standard deviations from the top of their House……
I will be civil…I will be ‘nice’…but if I fight for you….their Ivory Tower will shake.
I help to take down/out Met Life Home Loans…..but only recv’d $6k for my $300,000 in losses….it cost me more in nickles, dimes and quarters…to fight the 6 yr battle.
I have a STRONG voice and presence on twitter….so if I can help…please let me know via email.
I am the mercury drummer you see on the ’76 quarter….and the Spirit of the $2 bill.
I would like nothing more than to see one person brought back to financial life….can you list in your email how much you think thier fraud cost you….not line items…just a ballpark round figure.
I make them nervous on Wall Street and am in POTUS’s ear every hour……so mine is:
if I hear back from you cool….if it is water under your bridge…I can respect that too.
I am sorry for your pain….i have been thorugh the darkest too…..and it was not easy healing while your home was being stolen……..Boise has a lot of praying to do.
let me know….and Godbless you for sharing your story.
I am sorry America did this to you….to us all.
Not the way GOD had intended it…..but then again….mabe THIS communication will lead to a silver lining….another one.
pce / Trev
not trying to be a hero…I just want to punch BoA for you…so hard it hurts them in pocketbook….so they pay you….so you have closue. There are 1000s of stories like ours….and we need to be renumerated/compensated for their white collar crimes.
WE do have people on the inside…ready to help. WE do….10 yrs later…but WE do.
Therefore you do too.
I am with the underdog, always…the Good News Bears.
Thanks a bunch, Trevor, getting old is not a lot of fun. I have not been sleeping much at all for some time. I know what to do as I have always said, it is the simple things in life that sits right in front of our eyes that evades us. I have an order vacating the judgment of foreclosure based on motion to vacate the judgment of foreclosure. Relief sought: Dismiss the foreclosure case; Void the mortgage. The plaintiff never filed: Motion for Rehearing or notice of appeal all of which must be filed (30) days after the court’s order which would have been January 16, 2017. The court’s order is now “Law of the Case” as the court no longer retains jurisdiction. Next thing: file for a warranty deed based on my motion and the court’s order. The next thing I will half to deal with is the plaintiff refusing to sign the release of the mortgage. Motion to Show Cause Why the Plaintiff Should not be Held in Contempt of the Court. I believe will be in order.
I have had a total of (five) break-ins to my house since March of 2011. All of which purpose was to steal my foreclosure defense documents. March 2011, May 1, 2014, March 23, 2015, May of 2016 and the last one December 3, 2017. I have witnesses. I know everything about the man who broke in except for his name. I can’t tell you the reason for the sheriff refusing to investigate on this site. My intel came from a DEA agent. I finally got enough money to pay for a good home security, well I should say, multiple home securities.
I will half to finish getting all my documents together as I am still sifting through rooms of documents thrown everywhere. They alway leave my house in a mess.
I did try to get in on a class action law suit against BoA, but my BoA mortgage number was not a valid mortgage number. Who would have think it? i will be in touch. Thanks a bunch.
I too reside in the screwed up Cook County. We lost a 5 year battle .Shell point wound up stealing our property last minute.
Any ideas on suing the servicer aka debt collector in this state?
My loan history shows the debt was paid off in 2011.
Here is deceitful and fraudulent acts Bank of America did to me. In November, 2005 the same year I bought my home, BoA began embezzling money from my mortgage account as evidenced by my monthly payments were not applied to my account through December 30, 2010 for a total of 23 payments for close to $24,000 and charging me interest on this stolen money.
I was unaware of this until 2014 when I received my mortgage payment history from Green Tree Servicing, LLC, another crook. I received a letter from BoA thanking me for allowing them to purchase my home equity line of credit, of which BoA needed my expressed, written agreement. Of course BoA never had my consent stating I should receive an IRS 1099C form. Then, again through correspondence from BoA, I noticed that the home equity balance was added to the interest charged on my mortgage account. Of course I never received an IRS 1099C form. After BoA increased my mortgage payments from $1080 to $2374 a month, on a 30 year, fixed rate loan, and BoA had been charging me interest on all the money they stole from me. After 30 disconnected phone calls to BoA, the rep told me, “that if I could not make the increased payments, they would not accept any more payments from me, and could foreclose on my anytime they wanted”, end quote. I have an email confirmation dated January 13, 2011 from BoA.
BoA filed for foreclosure on me on June 7, 2011, the same day I fell ill to Lyme Disease. I was subsequently approved for disability from the Social Security Administration after starving for some time while the Lyme ravaged my body with arthritis and nerve damage. Before I became ill, I had been working two jobs supporting my daughter in medical school.
Silver lining: My daughter was able to get a large grant to pay for her entire medical school which was $250,000.
i will be back later. Be well.
Amen to that.
As they say, the Lord works in mysterious ways…and yes…the last ten years have been hell on earth…hell indeed. Your adivce is welcoming….and since those who stole from us…those who abused their power….they will have to answer to GOD…as we enter the 1,000 years of ‘cleansing’.
Now you that you mention it, losing my homes actually has brought closer to Spirit….and I have met the most beautiful people….in my stuggle…….and I would have never met them had I been comfortably home….a tripple edge sword. I literally found myself STANDING ON a blank note card….at the Boise City dump….seagulls over head…..being thrown out of my home….the card read “GOD will take care of you”.
I still like my idea of ONE courageous Lawyer….taking on a multi-defendant class action…..for $ Billions…..but then again…Christ Himself asked for one…..just one good man or woman to stand….and even for him…..no one jumped at the chance.
I see change coming…..lessons learned. I see fairness in our future…..the meek shall inherit the new earth…..the land we cannot see yet. The sea shelves rising…..
Thank you….and IF there is ONE brave attorney….ONE firm willing to fight for all the marbles….please reach out.
If Drug Cos. can do this……..if major Insurance Cos. can do this…SO.CAN.WE.
Hi Trev, you are so correct. The problems are pro se litigants cannot sue for class action suits. That is the law in most states and federal courts. I have been where you are now and it was so bad, I get very upset just thinking about it.
You must be a very good person. “Wherever good does, evil follows”, Master Ling Chi. Circa 1974. “The longest journey begins with the first step”.
Being good will not get you where you want to be. First, I am not a blind faith follower. I believe what I see and hear. Me and others that were present has seen and heard the voice of our Lord and Savior, Jesus Christ on sever occasions. For most of us, even me it takes time to imagine such an all powerful being and to quiet your mind through meditation or any means you can use to connect to Him. It takes time and effort to abide by His teachings. Praying for your enemies is the hardest thing I have had to overcome, but it does work. You will be tested so be prepared.
Good luck in finding a Christian minister that believes in God. They are few. The practice of Macrobiotics will help you rise to level you can’t imagine in your present state. Look for counselors in your area.
I have to leave this post for now. God bless and be in touch.
hi all….still here…and yes…plenty of Bankster Scars to show for the abuse….2 homes…both in ADA COUNTY, IDAHO….Mayor’s Brother, the Judge did not even show to my Summary Hearing….where I lost…..so yeah, well travelled on this road of sloth.
I have an idea….why can’t we just CLASS ACTION (People of United States v Met Life Bank, Wells Fargo…First American Home Mortgage….etc….et al) why can’t we just add our names to a list…..pull a MASSIVE number out of the air…say $10 Billion…and go to town….and make our way up the JUST-US tower…….I am not done fighting…..but I am done hitting my head against the wall…….
How far from reality am I?
I am at the top of the food chain….starving.
I am firstname.lastname@example.org if anyone wants to ‘chat’ 1:1 about this.
Our Country looks pathetic after what was done to us all….writing from a Motel room…and I am lucky to have enough to be here……..lost $1m + to the Boise fraud…..I want my money…I want my slice of the Fairness Pie….I was tortured…I was left to die…they STOLE my homes and raped my finacee on Christmas…the Cops…the Boise Police did…gang raped her 2011….NOT one cop has been arrested yet. Boise = Hell on Earth…..and the ‘mormon morons’ at the helm say it is the #1 city in America. Maybe Amerikkka, but not America.
Not the Country we have called home….me for 46 years.
Never give up……ever.
You’re the 3rd or 4th World Savings case I’ve heard about in past couple of days. Seems like pattern I’ve been seeing where certain lenders are pushing through theft of homes at certain times. When a county or area is corrupt only option is to make corruption charges to higher ups. Other option were trying is making public and showing any loan is potentially fraud and anyone can be affected not just “deadbeats”. An apartment building, commercial properties, properties not in foreclosure would be powerful and hit them on public opinion side which is only thing politicians care about.
Bolivar4 nothing surprises me w this corruption abd fraud will b in touch
Broker Sharon we are at the next stage and most don’t realize it. With the Wells Fargo scandal and Chase investor revelations, recent cases in CA it’s more and more clear courts and judges are corrupted and our homes are stolen. We still must stay out of the court trap as long as possible but now is the time to come together and demand justice and due process.
How do you fight when the judicial system is broken ( one-sided) especially in Lee county Florida. The judges are not following the he rule of law. We had 7 attorneys followed with corruption or incompetence. When asked to counter sue for fraud they would say what fraud. Had pick a pay world savings predatory loan, improper late charges when all payments paid on time. Have proof with receipts from post overnighting from post office. Forced placed insurance when had insurance and never lapsed, during mod they did not reduce interest for 3 months out of 12 (7.1 to 4.75% on 2,000,000 loan equates to almost $12,500 total overcharge, late charges of $16,000, forced placed insurance $4,700. This was a n induced foreclosure creased by design. The used a realtor to do drive by bpo on a 43 unit apartment building and swore to court property value of $1.3 mil without viewing financials and viewing 30 units remodeled (tiled thru out and 37 occupied out out of 43 units,)
Bolivar4 that’s an amazing story. Whst state are u in? Same extreme case group of us planning to publicize take group action on.
I live in the broke state of Illinois. I know a man that is a semi-retired DEA agent. He told me that disbarred lawyer, Al Williams, the former state prosecutor was selling heroin and cocaine. Al Williams heard he was being investigated for drug dealing, he began stealing money from all his clients including $100,000 from a 97 y.o. nursing home patient and $25,000 from another nursing home patient who was 95 years old. He is now in foreclosure. Karma. I would like to publicize my case. email@example.com thanks.
Same here Bollivar. You know of any LAw firm in Crook County that are willing to Sue Non Licensed Debt Collectors that steal properties here ? New Penn DBA Shellpoint. What a crooked State.
http://www.realtormag.realtor.org/daily-news/2017/08/11/largest-institutional-landlord-merger-proposed Pottersville is upon us… with stolen homes.
Countrywide began embezzling money from my mortgage payments and escrow account in October of 2005 not long after I bought the house. This fraud was continued by Bank of America through December 30, 2010 when BoA increased my payments from $1080/month to $2374/month on a 30 year, fixed rate loan. BoA rep told me if could not make the increased payments, they would not accept any more payments from me and could foreclosure on me anytime they wanted. (coercion). After my lawyer was disbarred for taking bribes from BoA to derail any defense to foreclosure his clients had, I had to take over. The judge was extremely biased, prejudice and discriminated against me (I am disabled, violation of Americans With Disabilities Act). I was very ill from Lyme Disease, but I kept fighting this corrupt judge until I wore him out. I finally got an order vacating his judgment of foreclosure with a stipulation that I must hire a lawyer to keep his order. The criminal servicers bought every bloodsucker in my area. I will bring this up at the next status hearing. I have other tools under my sleeve. I have lost a lot of weight and several teeth in this battle. I am more than ready to lose more body parts whatever it takes. Being a homeowner is not easy.
Thanks for sharing this. All of us who are on the winning side should take our strongest arguments and share them (privately) with others who are still fighting. Time to tell the banks to stick to the original purpose for which we the people created them.
We have two issues…One, who owns the house, and Two, who owns the mortgage
Now, most people can’t take title to a house without obtaining a mortgage. and In order to GET a mortgage, you have to agree to 1) pay the mortgage off, and 2) keep the property repaired and in good shape PLUS pay the taxes and insurance to protect the owner of the mortgage, whoever that may be o you you fail to do any of those things.. YOU GIVE THE RIGHT TO FORCE A SALE OF THE PROPERTY TO PAY OFF THE MORTGAGE. If you keep your promises, you can sell or pretty much do whatever you want with it that isn’t illegal.
That concept isn’t that difficult.
But when someone DOESN’T keep their contractual promise, don’t think you can distract a judge with confusing them on who is entitled to force the sale…its pretty immaterial. Who is entitled to the proceeds really doesn’t involve you, that’s between others to fight over. If you or a court sells it, if it sells for more that what is owed will come to YOU, if it doesn’t cover what is owed, you could wind up no longer having title to the property…you MIGHT find yourself STILL OWING THE DIFFERENCE, hopefully that won’t happen.
There are only TWO PEOPLE I know personally who actually wound up doing really well.
One is a good friend of mine who WON his foreclosure case, and although the mortgage still is recorded against the property and ‘of record’, the company who tried to foreclose on them HAS TO PAY THEIR annual insurance AND real estate taxes, …..and he gets to stay in his gorgeous two story home right off the ocean without paying ANYTHING other than the utilities !!!.
The other person is myself . I had both a first and a second ( a Line of Credit ), both of which were approximately identical in amounts still owing. My first promised to roll my low initial “teaser-rate” three year ARM into a fixed rate for the remaining 27 years at no cost to me, and after telling me not to make the January 2008, February 2008 or March 2008 payments or they would cancel their offer, and promised they were setting my next payment to be April 1, 2008 – the filed a foreclosure against me just prior to April 1, 2008..
I sued everybody. The foreclosure case the first filed was ordered to be modified to a fixed rate, and the second, which then went to federal court, and with the help of the Justice Department, the bank was ordered to forego all interest and forgive the balance of $82,000 and pay $20,500 to cover the federal income tax on the canceled $82,000 debt, leaving me with about half of my property for free…half is better than none.
Both my friend and I did extensive investigation and legal work.
That’s what it is going to take YOU if you expect to defeat something and collect damages.
Remember the law is CONSTANTLY changing and the whim of a judge can never be absolutely predicted….
In Florida, where we both are, the Bartram decision basically said the SOL stands, but ANY default that hasn’t been past the SOL, the right to foreclose stands. HOWEVER, you need to carefully read the recent 4DCA opinion in Sandefur v RC.
My friend used five different attorneys including two former deputy Florida Attorney General, to win his case, but because he won, his five figure attorneys fees were fully paid for by HEBC, who tried to foreclose on him.
I did all my own legal work, but I have been in the mortgage industry since 1965 and read Appellate decisions for a hobby, and I was going against Wells Fargo and BofA who both have done so much wrong they made it easy for me…. but it was painstaking ( you can pull up my case in the Broward Case Search)…pay attention to the Order signed by the head judge Jack Tutor !!!
(I was given the green light to separately sue Wells Fargo !!!)
If you have ANY scoop of misconduct by Wells Fargo or their alias American Servicing Company (ASC) now moved around to under their Wells Fargo Home Mortgage, or HSBC or “ACE SECURITIES”, please let me know…we could very well be of help to each other
Would you happen to know of any cases or individuals, including their attorneys, who have had any success against US Bank in attempted wrongful foreclosure actions. I am in a non judicial state in the 11th Circuit. I need any useful insight I can get at this critical juncture. I had/have a solid TILA rescission claim that the courts have conveniently bypassed.
Any ideas would be greatly appreciated!
MB on the Bubble
I am in NJ and motion of summary judgement was recently denied, first of all US Bank as trustee *(if that is your case) can not foreclose as they have no rights. I need more info on your exact situation like who originated your loan , who is named as plaintiff, is there a trust/trustee involved and was your loan “sold” at any point. If you’d like the details of my case feel free to email me at firstname.lastname@example.org Best of luck, don’t give up the fight, we are making headway in this charade
you may find this interesting.
Payments could have been kept up easily for most people if the banks had not gambled away our economy. Read, “The Big Short” and “Fool’s Gold” and “All the Devils are Here” all available on audiobook to understand.
also, “House of Cards” and “Too Big to Fail” as well of course of ” Chain of Title” all available on audiobook. Listen to it in the car.
I wouldn’t hold my breath
Finally, the judge, sensing there are “material issues of fact” hahaha, has denied Plaintiff’s motion for Summary Judgement, and has asked counsels to contact the court to set up a trial date. The question for this group: Should we ask for a jury trial or go with the bench trial? Any info. is appreciated.
Here’s a chance to have an impact. Please sign petition to stop eviction of Purple Heart veteran and his wife. Wells Fargo claims they can’t do anything as Mr. Sexton tries to survive Leukemia and had $30,000 to $40,000 stolen from him by sham operation. Eviction scheduled for Tuesday.
A review of public documents shows the worst cast of characters MERS, AWL, Fidelity/LPS (Lorraine Brown). 12/16 Fidelity was in settlement talks for robosigning for $60 mill on top of LPS previous settlements.
Appears to be worse than usual broken chain of title.
The trustee doesn’t have many foreclosures in area of the property or even CA but very active relatively speaking in Midwest, South and East coast.
Signed and shared on the Facebook group: United Against Foreclosure Fraud. Thank you.
Thanks for sharing waiting on AG response, will be following up. Lots of fires going!
So sorry to hear sharon. I surrendered my house in bankruptcy after chase reneged on 2 loan mods because they could not figure out ownership of the loan. How can they give loan mod if they do not have right lender on mortgage. I should have contested it more but after 6 years, i had enough I hate i had to file a bankruptcy just for the house but they kept adding on all these unexplainable fees and i has other assets that their criminal lawyers probably would have come after and could not risk it. I believe obuma wanted to break down the middle class and this was his way of pushing us down so he just insulted us by diverting monies that should have went to help homeowners. Never trust the banks, your realtor. They r only out for themselves prices for homes now are back to pre 2008 prices and buyers really need to beware
This is exactly what continues to upset me. How can the banks get away with this? In my opinion your home should be returned to you, regardless of what you were forced to do in bankruptcy court. You can look up on youtube, just type in “Bernanke questioned about trillions” and see that money was given to banks all over the place, even in foreign countries after the crisis yet people like us couldn’t get new loans, modifications, etc. Justice has still not been served to the American people at all in this. Many of these homes still sit unoccupied. I pray our government will finally realize these homes need to be returned to their rightful deeded owners, not the banks or investment groups, but the people who lived in them and bought them for their families. I pray our government will have the ability and desire to do this because it is the right thing to do.
Except Obama was left with fixing the financial crisis and the “war on terror” and people are still falling for it. Republicans wanted to let foreclosures go forward no matter what then both parties with the bribes of the banksters corrupted HAMP and the bailouts which every politician now needs to come clean on. We can’t just believe whatever we want, we need to challenge this crime on on our country wherever we are are and no matter what party we’re from.
Hammertime, I’m not sure about what politicians are complicit. I think it is individual. The people that wound up taking my house were the bank or group of investors, the judge and the sheriffs department. They are directly involved. So the problem seems to be a failing in our Judicial and Law Enforcement Departments.
This is how the banks operate thru fear, intimidation, trespassing, trampling homeowners property rights, fraud. They use whatever evil means they have available to them which are plenty because as we know the banks also stole the money that should have helped the homeowners. They f$$ked up and the taxpayer gets screwd and they keep sticking it to us. They just want to make it go away anyway they can and the only way they can do that is to keep on with their corruption they started. They have to bully u out of your house so they can start over abd if they get you out with fc judgement and dump deficiency debt on you, they will bully you until you stop fighting or they put fear in you until you go away. Why doesnt our current president mention anything about this. All u hear is about the 2008 crisis, but no one really talks about all the people who lost their homes. They want us to forget and go away, but anyone who fought to save their home and see how corrupt the banks truly are will never forget and we shouldn’t. In fact there should be a history book approved in public schools explaining how the banks brought the crisis on themselves and how they wrecked families and their lives by forcing us out of our homes. Most of us are forever scarred. We are casualties of the foreclosure civil war!
All so true. It comes in waves, just when I think I might be starting to heal, I become obsessed again. This tells me, it isn’t a scar, it is still an open wound. I attend to it by learning what I can, trying to go on with my life and writing letters to those who I believe may have authority to do something about this. We can’t be left behind destroyed and empty handed. There is no justice in this outcome and it will bother me until the wound is healed with justice. I don’t know where it will take me but I know I can’t let it go. I believe at this point that the banks could be declared an, “enemy of the state.” for the upheaval they have caused on American turf and the destruction and weakening of American families that has been the fallout.
Don’t give up but also do not worry yourself.
How do we know that spies, terrorists or organized crime, gangs etc. are not using these homes that good American citizens have been driven away from? How do we know that a foreign entity is not buying up huge lots of them for nefarious activity? How can the government be letting this happen? We are told that our country is so concerned with National Security. The banks have opened us up to the greatest security risk of our time, in my opinion, millions of homes in which good citizens of the United States have been driven away from that are sitting waiting to house invaders. Was it planned? That is a good question. How can I believe it was not planned when I tried again and again to get a modification, to pay them back and they refused. When I was threatened in front of a room full of witnesses and driven out of bankruptcy court by a government trustee? The only thing they wanted was my home. My little 800 square foot home. How does this make sense? The government must intervene to give these people back the control of their homes. Read the Reuters article I have placed here. http://www.reuters.com/article/regulations-zombie-idUSL2N0MA0Z520140313 I waited in my home. They had to remove me. What happens there now is the responsibility of the Sheriff’s Department, the local judge and ASC/Wells Fargo/US Bank until I receive notice that my home has been given back to me. We should all receive these notices. It is the only right thing to do for the future of our country and our people. The only safe thing to do for all of us..
…maybe someone didn’t like his neighbor so much because they had a low level job, was poor, didn’t mow the lawn enough, used foul language, whatever, but they were regular people. American fabric, neighbors. How is our government giving control of huge lots of houses to banks who have very little government oversight? Who were handed billions of dollars (Too Big to Fail) with no restrictions and simply “trusted” to fix things. Really?
Ims53. Are you going through a foreclosure or did you loose your home?
The Sheriffs came and removed me from my home last May – 2016. 4 Sheriffs came to my door. They proceeded to place all of my belongings into a container which remained on the street overnight then was brought to the local dump the next day. I called the town and begged them to hold on to it so I could bring a truck to retrieve my belongings. I spent a May Spring Day as an American Citizen retrieving my belongings from a local dump after a half a Trillion Dollars was given (lent?) to foreign banks by my own government as I begged for years to be granted a modification only to be told by the bank that they cannot give me a modification because they do not participate in government programs.
@ Sharon (RE Broker). I am truly sorry for what you had to go through! A police officer dies outside of the line of duty and people flock to donate monies for the family left behind. A long parade of a funeral session where the streets are closed down BUT no such help is provided in a situation such as yours. It is truly sick that the fate of the ‘living’ continue to suffer and no help is provided. Have you or did you try reaching out to your local TV stations on your story or the plight that you faced? Or place a Utube video on line as a means of ‘warning’ others? Jamie Dimon recently made a statement to his stockholders that more needed to be done to provide housing for the lower class…made me puke! He will live his life in luxury now, but the Almighty will be his final judge.
Bobbi, thank you for your support. It is truly a lonely place to be, still embattled in the 2008 Financial Crisis nearly 10 years later, picking your things out of a dumpster after doing everything you could to try to help a bank to give you a mod who was claiming to try to help you. So wrong. Kindness and kind words do help in the healing process while we wait and continue to speak up until justice is done and the homes returned to the people.
Mick. Fyi. I had to file bankruptcy after fc judgment and the interest adds up quick and by the time they sold my house, they claimed the deficiency to be over 180k. Liars and thieves and if i wouldnt have declared bankruptcy they would have taken my rental property which i now live in which is worth anout what they r claiming in deficiency, but unfortunately in bk. You have to disclose assets or they can not give you the discharge. What a racket. These banks knew that we could not win or would not have the money to keep fighting them and their crooked lawyers based out of tampa are so incompetent or stupid or both. I would have been living in my car because I know they would have come after me for deficiency because they knew about rental. It has been a nitemare and separated me from my one and only child. I have to believe we will get justice someday and I hope i am living to see it.
Are You prepared to LIVE in YOUR CAR? If not, FIND SOME MONEY! Have a list of attorneys (the best don’t stay cheap long, and like former posters, when You’re ultimately staring at a Deficiency Judgment (where they cay can take everything, including Your current SALARY with garnishment) because (at least in Florida) that Judgment hangs waiting for ANY Thing You OWN or EARN for the next TWENTY YEARS. Costs those collection attorneys (who paid pennies on the dollar for the FC Judgment) are willing to invest now are increasing, for anyone STUPID Enough to remain here (in FL) AFTER a FC, IF You didn’t negotiate Deficiency Judgment WAIVER in the FC Judgment Process. These blood suckers are going to be after You whether YOU FIGHT or NOT….so why Not Fight? All You save Yourself(here) is a few more decades worth of GRIEF!
Just file for bankruptcy: In general, a mortgage deficiency judgment is treated like any other general unsecured debt (such as medical bills) in bankruptcy. This means that whether you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, once you receive your discharge your personal liability for a mortgage deficiency will be wiped out.
My daughter had me listed as the beneficiary for her life insurance. She has since had several “accidents” assaults and close calls. Sure they can say I’m crazy. That is how they fight. They call you crazy. Just like Lynn on the plane in “Chain of Title”, random threats, harassment and worse. You can’t prove anything unless someone talks who is involved in their evil dealings. I have since begged her to reassign her beneficiary and thankfully she has. I can only assume the FBI just watches them do this. They know all about you. All they care about is money.
I have already read “Chain of Title”, “The Big Short” and “Too Big to Fail”. I am just about to start “All the Devils are Here.” I am going to start to send more letters soon and these books help me to be better informed when I write to the Attorneys General offices, Congress, Senators, etc. As I said in a previous post, money has gone back and forth from the government to the banks but very little if anything truly helpful for the homeowners. This is terrible injustice and I will not be quiet about it. If anyone has another book to recommend please let me know. Thank you.
Some questions if anyone knows the answer, chime in! How do you find out what pool of mortgages your loan might have been grouped in? Also, were loans re-amortized, not sure if that is the word… When a HAMP modification is done? As in, did I go back to making mostly interest only payments? Sure seems like it. I’m fighting my foreclosure sale. I’m going to fight like hell but I don’t see much evidence that homeowners have been able to win.
did you get a complaint , who is the plaintiff, there is a lot of was to find the trust info ,
So I’m told the banks didn’t have to give us modifications, yet they were given billions of dollars to help people like me. At the bottom of dozens of letters the bank sent me purporting to be supportive and help in any way they state to contact them so we can see what type of program meets my needs, yet when I did this on so many occasions they said they do not participate in government programs. This must be mail fraud at the very least. I’ve seen big masses of dollars going to banks to help them and then going back to the government for penalties again and again and yet here we are starving at the bottom. I can’t even go back to my Real Estate career, not only because of the harm that was caused to my personal reputation but also because of the fear of putting people at the mercy of a mortgage of any kind.
Sorry I put this on the wrong thread.
US Bank, originated through National City but from my research it looks like my loan was sold to US Bank before I even signed the papers. Dated September 7th, 2007. It was a first time homebuyers loan if that makes any difference.
Ashley, we all fought like hell due to uncovtthe fraud and forgery being accepted by the courts.. nothing matters! The banks sold our mortgages many times over and lost the NOTES so they have to remove you to sell it to another in order to create a new NOTE! Get a huge setttement and get out, if not, you’ll fight, spend money chasing your tail as well as sleeplessness! It’s a crime by the big boys and we never win
I have no money to fight yet I will not go quietly into the night.
We do win. I won. I’m working on a site to give people specific information on how to win…and a book detailing my experience through the five year wrongful foreclosure battle. You must stand firm. You must be organized. You must research and educate yourself. You can win. Many others have…and will.
I like the part about “get a huge settlement” JP Morgan used a forged note/deed that was missing notary signatures as their power of sale to sell a vacation home in the mountains I built in March of 2015 . They submitted the same forged note to a Miami Judge in my Chapter 13 BK case which is a felony. I hired an attorney in Miami to sue for fraudulent foreclosure, gave him $5k , he took my money , promised to file a complaint and never did.
-News Flash- -News Flash-
FLORIDA FC Victims
I need each and every one of You to put out the word….Desperately NEED to hear from ALL or Any that You know who’ve received 1099’s after FC judgment & also rec’d notice of, had attempted, (or worst of all) actually executed Deficiency Judgment against them as well? Liens on other property? Even Better; Garnishment on their wages? Best. Have a mean thing working, need victims. Taking bull by the horns (& no prisoners when done).
Ask them to please email me: email@example.com Ask them to CALL ME 352.246.7483 anytime between 0800-2100 EDT
My house was taken, NY, Sheriffs showed up. I waited them out. Then received tax document that I owed the balance of a sale that took place back in August from one banking entity to another. Received this doc after I was removed in May. Supposed sale happened the August prior. Never received tax doc until after I was removed, well after the April 15th filing date for 2016.
I wrote to Attorney General of Suffolk County, NY State and US, under last administration. Received letter back from office of Eric Schneiderman and off office of Loretta Lynch. Letter back from US Attorney General stated that my case was referred to FBI for investigation. I have not heard since. Letter back from US Attorney General was from Ian DeWaal, Senior Counsel, Fraud Section.
Faxed this letter from Attorney General’s Office to Mr. Anderson at ASC/Wells who had responded to my CFPB complaint where the NY State Attorney Gen had referred the case for me. Shortly thereafter the WELLS FARGO fake account scandal broke.
The letter I wrote to Attorney Gen. Loretta Lynch and cc’d the Atty Gens for NY and Suffolk outlined my story of pain and suffering and highlighted how my RE career was ruined by the posting of my name in public under foreclosure. How I had gone to 3 separate workout programs physically and applied for modification again and again producing every bit of paperwork they asked for. How each time there was a different reason given as to why I could not get a modification finally culminating in only, “the bank does not participate in government programs” I contested this in my letter to Atty General. I’m a American. I should be able to have access to American government programs to save my property.
Please feel free to contact me with comments or replies. I think I forgot to check the boxes on all of the replies I left. Thank you.
In the letter from Ian DeWaal, US Attorney General’s office, he acknowledged receipt of my letter stating that I was wrongfully denied a modification and that I was verbally abused in front of a courtroom full of people as a Pro Se Individual by a Trustee in bankruptcy court and that the matter was being referred to FBI for investigation. I have the letter. Interestingly, the letter was obviously ripped open and crudely taped back together. The local Post Office said it was delivered to them that way. I have pictures of how the envelope arrived. I am unafraid, probably to a fault.
Everything was taken from me. My home, My reputation and My Career! I have no fear at this point. I will stand up for this cause even if threatened with death, jail or whatever else they want to threaten me with. I am a Real Estate Broker and private property ownership is very important to me as a principal.
Additionally when I went down to the town in Babylon I was prevented from paying any taxes and having anything to do with the tax liability for my home. I was treated as if I were a non entity, a random non- interested party and blocked.
I wish I could attach the letter from the US Attorney General’s Office here but I don’t know about the legality of publishing this official doc from DOJ or if it would harm a pending lawsuit if I could ever find an attorney to take my case. Here is the piece of the letter that is most important, I think, and I quote, “This is in response to your June 6, 2016 to the Department of Justice regarding your complaint, that your home was foreclosed, in part, because your application for a loan modification were wrongfully denied, and that you were subject to verbal abuse, by a bankruptcy trustee in public.” It goes on to give me resources to help me with the case citing that the DOJ takes very seriously how Court Bankruptcy Trustee’s behave toward the public. It goes on to refer me to the Albany Legal Aid Society and the Suffolk County Legal Aid Society. i had contacted several of these types of entities in the past, never a returned phone call or response. I contacted Albany Legal Aid and referenced the letter. I was practically laughed off the phone, however, I did get the indication that they recognized my name. I contacted Suffolk Legal Aid via email to make it more official. No response at all.
I did everything the bank requested of me. I gave them all the paperwork they requested over and over again. ASC never seemed to know that US Bank had brought me to court, when these court dates were, etc. I was working with ASC and US Bank was taking my house. while I was going along thanking them for their patience until I finally wised up. Like the people in “Chain of Title” I was not looking for a free house, I was looking to pay them back, but they blocked me, prevented me, strung me along, caused irreparable harm to my children from the constant strain and stress of becoming homeless at the drop of a hat, irreparable hard to my career and yet I still believed they were good, all their commercials said they were. I even referred them for a loan for my last Commercial RE Deal I brokered in 2014. No mercy, no consideration, no humanity.
Not only was I blocked from a modification, but I was also told I could not pay my mortgage, or contribute in any way financially to the mortgage until I had a modification in place. Completely unjust! I have the check they sent back to me to prove it.
I was still working with CFPB at the time. I received what seemed like hundreds of documents from Wells Fargo trying to defend their case. CFPB considered this adequate answer without even consulting me and just closed the case. When I tried to reopen I received word from CFPB that even if the party I am complaining about did something illegal, they may or may not inform me. Case Closed.
I see posts about CFPB and Attorney General. Know that whatever you send to them they WILL give the bank an exact photo copy of what you sent in. This can give the bank a “heads up” that you are coming after them. However, you can also use this to your advantage if you know what you are doing.
I have saved all of this paperwork.
I have printed emails. I have the letter they sent to me when I demanded in writing their answer that, “the investors of the loan do not participate in government programs.” which is the reason I was given for not receiving my modification. The letter is very vague, of course. They still claimed I owed them hundreds of thousands of dollars, after taking my house and I have the letter from US Bank in response to my letters that they refuse to forgive me the debt. I try to move on with my life but as the people in Chain of Title were unable to move past it, no matter how much time I pray, spend in the church pews, enjoy my family and new married life, I can’t let it go. It gnaws at me, particularly now that both my adult children are in need of the home for their residence. My daughter recently broke her leg and lost her apartment, my son was evicted when I was.
So I’m told the banks didn’t have to give us modifications, yet they were given billions of dollars to help people like me. At the bottom of dozens of letters the bank sent me purporting to be supportive and help in any way they state to contact them so we can see what type of program meets my needs, yet when I did this on so many occasions they said they do not participate in government programs. This must be mail fraud at the very least. I’ve seen big masses of dollars going to banks to help them and then going back to the government for penalties again and again and yet here we are starving at the bottom. I can’t even go back to my Real Estate career, not only because of the harm that was caused to my personal reputation but also because of the fear of putting people at the mercy of a mortgage of any kind.
Does anyone have any suggestions for me? I have already gone to the Attorney General of the United States in 2016, can’t afford an attorney and have already had my house taken. Have already reached out to legal aid societies at the suggestion of Attorney General’s Office and there is no reply. Have already had a CFPB complaint closed simply because the bank answered me. And still I am told I owe several hundred thousand dollars.
Why doesn’t the government use the penalty money to fix MERS and give the people back their homes? It may be a naïve question. I am just getting into all of the information about it now. I was holding out that the banks were good for a long time. I needed this to be true in my heart as a Real Estate Broker. I was doing my best to work with them. I never took on a lawyer, until I wrote to DOJ after they took my home. To me, that was taking on a lawyer. I never fought the bank, only tried to work with them. Even gave them more business. They didn’t allow me to pay. Sent back two checks I sent them and told me I could not pay when I inquired. So I sat helpless in their jail for over 10 years all the while trying to modify my loan with them. They didn’t allow me to pay and yet now they say I owe several hundred thousand dollars. How does any of this make any sense at all? Where is there any goodness in this?
JP Morgan used a forged note/deed that was missing notary signatures as their power of sale to sell a vacation home in the mountains I built in March of 2015 . They submitted the same forged note to a Miami Judge in my Chapter 13 BK case which is a felony. I hired an attorney in Miami to sue for fraudulent foreclosure, gave him $5k , he took my money , promised to file a complaint and never did. Any advice ?
Ready for the nightmare to end. Bought the house in 2005, I have been fighting Ocwen since 2013. I know that there are major issues with my paperwork and though I have Not made a payment in over 30 months and I have stopped foreclosure over 10 times I need to be able to get this done soon. I have self taught all the defense and ways to stop them in Ga. But I now found that the trust my mortgage is so-called in hadnt had activities since Jan 2006 when it was suspended by the SEC. But on EDGAR I found my trustname . Ocwen claims to have the original note yet no assignment to my file. They have even sent me copies of the note but iddly from 2 different workers and each note has different endorsement names and a allong. Please contact me if you have any way to help. I’m not able to get a fancy lawyer, but I have a great cas
I am looking for a non attorney to research a satisfaction filed by Indymac Bank. The signatures and more look bogus. This was done in Florida.
“….if you cannot beeeeeeeeee….
with the one you love…………
then love the one you’re with……”
I am diggin’ DT…..not for how he was…
but how he is and will be….playing for
redemption value. I have seen changes…@ dawn.
trevor, yes at some point you have to weigh where u r at. The banks were and still are so messed up that you dont know really who u r paying and if the payments are being applied correctly. I filed BK because I didnt want the tax implications of short sale, but not sure what bk 13 does. I surrendered property so there should be none. the banks have raped us all. If you have to throw your money out the window so to speak, make sure it is worthwhile and in the hands of crooked lawyers and irresponsible banks would not be my first choice.
if I could ever go back in time….ten years…i would have played my cars differently….my win yesterday was not so much a win per se….but less of a loss….95% ‘less loss’ is to me a HUGE win……like staying at the beach long enough to see the next tidal shifts……together…we are all putting light on the dark……and perhaps our rewards for never giving up are still to come…you never can tell…..but I am glad i mouthed off like I did……I am fortunate to havei understood the entire wheel….so if I am ever in charge…I will know what not to do……scars add value…and are very expensive. when good people do nothing/say nothing…..this is the fear. . . this the pledge I took while standing on the ahes of my ancestors in Germany….
i am now thinking of this as the first year of my battle….not the last.
fight for every inch…..stay till the luck turns. pce. Y
aH….BOARD….my port of sanctuary….again we meet….again on choppy waters we sail…but we are still above not below the horizon line… i have news to report…again. to recap i was early in this shell game of RICO and collusion….and bankrot…and greed…and boise judges who are brothers of Mayor who ruled in favor of the Banks even though 50 US Attys smelled rotten foreclosure fraud..2007..2008…2009….so today…literally after ten years of their daily bs ….Met Life Home Loans and others….making my life….my credit….my everything a living hell……including IRS Tax hassels…liens…garnishments….credit destroyed…..friends and family bailed…..TODAY…i received notice from the IRS that my $375,000 fraudulent tax bill from 2007 was adjusted back down to $8,000 and that I can refile for my refund if one is owed….i can also audit my Federal and State Returns for the past 10 years…..thus changing the tidal waters…….it was like winning the lottery……it set precedence……never let go…never give up…my next stop is Qui Tam Federal in the State of Idaho…..v. Met Life Bank….. Hell is freezing over. Idaho is about to be taught a valuable lesson.
Shame on Met LIfe…Cudos to the IRS for seeing through their lies…abuse…and fraud and making the credits in my favor…finally….been a tough ten years….today was a miracle. The Met Life bastards stopped at nothing…now the 2 x 4 in Court. Never Again. @cfpb was worthless to me… as good as in on it.
GBLS….keep fighting…..the truth is killing the matrix….the light is burning it up…veil lifting. Amen!
Yeah….Today I felt like Charlie and the CC….my last piece of IRS hatemail….a HUGE WIN for the light….Forward.
ten years…then / overnight….it all changes. peace on the earth. Trev
obviously it shoud have read: ‘Charlie and the Chocolate Factory….’ the bankrot shitshow is still playing……the chocolate factory still broken….but the good guys won a big game today…..one for the little guy….but for me to have paid that 10 year fake bill would have taken me my whole life….after losing my life savings in 20 min to a compromised Judge….poetic justice. … never let go.
p.s…. if you can’t join em…beat em.
I am currently in the foreclosure process and the lis pendens was filed 2/22/2016. At the time the lis pendens was filed, they filed a copy of the mortgage and the note. The attorney had one of their own employees filed a “certification of possession of original note” as an original document specialist with the complaint, which was signed on Feb 4 2016, but a certification by a person with a fictitious title is not an affidavit and the person has no knowledge of the original documents, as they were not a party to the transaction or agreements. On March 28, 2016 they filed what they claim to be the original note and mortgage and this filing post dates the date of the date the complaint was filed. I have been fighting this pro se. I know fraud was committed. Mortgage electronic registration systems inc. has been the sole assignee of the mortgage and the note since 2005 and they are not a beneficiary, nominee, trustee etc. The mortgage assignment that was recorded literally states that Mortgage electronic registration systems inc purchased both the mortgage and the note for the sum of 10$. February 8 2013, Nationstar Mortgage removed the mortgage info from the mortgage electronic registration system and we believe it was done to hide information. There have been multiple servicers since the original loan in 1994 and there are only 3 assignments of mortgage recorded in the county records. Aurora Loan services inc had it in 2005 and then it went through multiple servicers then in 2010, Aurora loan services inc got it back and I know they did not have a license in Florida. The MERS system look up tool states the investor was lehman/fnma (Fannie Mae). Nationstar denies this but we have the min #. The fannie mae look up tool states they do not own the mortgage or the note but we know the note was securitized because they admitted it was in a REMIC trust and now they are denying it. The mortgage remained assigned to mortgage electronic registration systems inc. from 2005 until 2016 when Nationstar mortgage had their own employee assign the mortgage from mortgage electronic registration systems inc to Nationstar mortgage. There is no corporate seal, no witnesses and no corporate resolution recorded for the assignment from Mortgage electronic registration systems inc. The plaintiff Nationstar mortgage is relying on the holder rule. They claim to have the original note and the original mortgage, which I have viewed and I know it is a fabricated copy which was made by a laser ink printer. The color of the ink does not match any of the original documents that were signed and there is a twist as well because I personally signed the mortgage in a different color ink than the rest of the people. I signed the mortgage but not the note. My husband signed both. The blank endorsement is a copy of a signature, not a wet ink signature and not a stamp. The endorser signed as “attorney in fact” and there is no power of attorney recorded to prove the person even had the authority to endorse the note. The company that allegedly endorsed the note has been out of business since 2002. I live in the home with my two adult children, my 5 year old son and my 3 year old grandchild. My husband does not live in the home. I feel I am entitled to monetary damages and attorney fees. I do not want the money. I want to keep what is rightfully mine, which is the real property, my homestead and residence.
I need help. We do not have adequate foreclosure defense in escambia county florida. Please help me
Look at your original trust deed or mortgage deed. Does the wording on the deed state that the security instrument secures to the lender the repayment of the note? If so, who does the instrument state the “lender” is? Does the instrument make sole provision for the “lender” to be the loan origination company/ bank, or can the “lender” also be an assignee of the original lender?
What i am getting at, is that when you took out the so-called loan, you conveyed legal title to the property to a trustee to hold as security for payment of the loan. You created a trust- as the grantor/ trustor/ or settlor of the trust. The trust res or rez, (the property put into the trust) was legal title to the real property. If the trust indenture- the security instrument/ deed indicates that the instrument secures payment of the loan to [only] the ‘lender’, then if that original lender is not owed any more money, (which it is not since the loan was sold off), then the deed is no longer valid for any purpose- because the trust has terminated! Once the purpose the trust was created for became extinguished, then the trust itself became legally terminated.
HOWEVER, the alleged note holder will not wish to acknowledge that the mortgage deed- which implemented and governed the trust, has actually become an invalid instrument, and that the original trust has for all practical purposes terminated. Nationstar wishes to enforce the deed as if the deed protects Nationstar as the “lender”, but in reality Nationstar is not the lender, and the trust terminated when the original “lender” sold the loan years ago.
Anyway, write back to me privately, and let me know what the scoop is.
I did what you said and looked at the original note/deed. JP Morgan used a forged note/deed that was missing notary signatures as their power of sale to sell a vacation home in the mountains I built in March of 2015 . They submitted the same forged note to a Miami Judge in my Chapter 13 BK case which is a felony. I hired an attorney in Miami to sue for fraudulent foreclosure, gave him $5k , he took my money , promised to file a complaint and never did. Any advice ?
Not sure how far you’ve gotten at this point. You have to put that information on record in court. Put it on record with affidavits and do it correctly. If you are owed money or damages then get it and don’t feel bad about it… feel great about. That’s money for you and your family. I have no sympathy for the bank. Stick to the facts in court. Be straight to the point…leave your emotions out of it. Hope this helps.
Is anybody here looking into the role being played by 501C3’s in foreclosures? We are being sued for foreclosure by a 501C3. The loan originator got merged with a Big Bank (BB), then the loan was “sold” to a 501C3. (Loan was non-performing (NPL).) We have a “pool” designation from 2015 that appears to designate both the 501C3 and the BB. HUD started auctioning non-performing loans in pools in 2010, FreddieMac followed suit in 2014 and Fannie Mae joined the fun in 2015, all auctioning off NPL pools and SAYING (hah!) that they really, really hoped that not-for-profits and minority/women-owned businesses would be the winning bidders. (Disgusting!) In reality most of these pools have been bought by various BB’s or investment houses, and the not-for-profits are complaining that they can’t get into the game because the BB’s outbid them. Goldman Sachs buys NFNMA NPL pools through a “subsidiary” (as partial fulfillment of their obligations under the mortgage settlement agreement). My question here: what if a BB creates a “subsidiary” that is a 501C3 and sells loans that the BB is already servicing into the 501C3? Do they get additional credit on their settlement obligations? Do they get additional tax write-off’s from foreclosures that are brought by the 501C3?
Need some help!!! In Texas they don’t recognize robo signing unless you have exact proof. I have docs that were signed by Judy Fabre. How do you find out if your loan was in the groups that she was caught and admired tadmitted where robo signed. Those should be fraudulent and null and void. I do I get this info for court ?
dual tracking again after these banks and mortgage servicers ( which are generally the same) this is not going to end anytime soon. I dont understand why trump does not speak out on this. no wonder home ownership is down and prices are too high anyway. should go down with the rise of interest rates. sorry to hear this happen to you. the courts just issue a deed of their own fabrication, called certificate of deed or some fake name like that. they are just walking all over hard working americans, stealing our homes, part of the NWO. Wake up or they will rob you of everything you THINK you own. B******s
1-Dual Tracking! Excellent! There’s grounds alone for their Complaint!
2-While I love where we are vs. where we could have been (LOTS Closer to full blown socialism, w/HRC clearing out the shelves of the already exhausted FED like Russian wives in the ‘grocery’ on Americans depicting ‘shopping’ under Communism in the former USSR), Trump is keeping his word, on the issues addressed prior the election. His Sec. of Commerce is bad news and Sec.of Treasury is an absolute nightmare, who RAN a Mtg.Mod. Company and LIED about his company & all the mega-banks when giving testimony B4 Congressional Committees.
3-He (Muninchyn or however You spell it) said “Banks DIDN’T WANT TO FORECLOSE, and modifications were far more cost effective to their bottom line” (I call BS, because they reigned down the FC’s in Florida INSTEAD of mods, and worse WHILE DOING THOSE MODS! They got their CAKE, ATE IT TOO, then turned around and re-sold the CRUMBS! I can only speak to FLORIDA, however I’ve read where it happened (and more importantly STILL IS HAPPENING) nationwide.They’re not only too big to fail, their too corrupt to jail (for fear they’ll educate all the small timers in adjacent cells!). & Now we get to use printed money with this LIAR’S name signed on it for the next 4-8 yrs.
Not saying Geithner was a BIT Better, but we were voting to DRAIN the SWAMP, not stock it with LARGER gators.
Trump coulda done a lot better, & then again, his sister’s a lifelong Goldman-Sacks Higher Up (yep, the same folks that underwrote & UNDERWRITE the Insurance, on the derivatives, for the Trusts, for their Trustees, for the Holders and Servicers of the Trusts Assets, all those MBS, which are founded on a failed concept from the outset….A:Real Estate always goes up, B:the stock market always goes up, C:people always pay their mortgages, and D: people NEVER, EVER REfinance those mortgages….any recent history contradicting those philosophies of biz? Ultimately, like before we’ll lose & they’ll win, even on the most STUPID WRONG Bets, because they Are…’the system’).
I have a question I am hoping to find an answer to. After the death of my mother the mortgage servicer refused to recognize me as successor in interest and basically demanded the due on transfer clause on an exempt transfer. The property was underwater but after a long struggle we managed to get refinancing. The loan was in foreclosure and scheduled for trustee sale. A month and a half after the new loan closed we were notified that the trustee had auctioned the property anyway, four weeks after the new deed had been recorded. My question is, how could the trustee have auctioned a property without a deed? The property was sold to the mortgage company. It all got straightened out, as far as I know, but does anyone know if this is legally possible? I’d appreciate any information.
No it is not ‘legally possible’. It IS Highly ILLEGAL. It’s another in the millions of clouds on titles that has been caused by bank corruption and judicial collusion throughout the country. You have a case, depending on Your state there are laws against this, as well as Federal Laws covering every state. It really doesn’t MATTER whether the Mortgage “SERVICER” ‘chooses’ to do, it matters what the Mortgage SAYS, and whether even that section (or the entire mortgage document) was legal, in Your state? IF (and that’s a really big word) the OBLIGATION inures (passes on to) upon all heirs and/or assignees (which is usually the case for all debt instruments, on ALL Parties thereto), normally spelled out in the FIRST and Second and LAST Paragraphs of All Mortgage/Deed of Trust Instruments (& elsewhere therein as well), You were automatically ‘successor in interest’, unless either a state probate, or federal bankruptcy court determined OTHERWISE? The “Due on Sale” (You called it ‘transfer’ & it can be titled that way) Clause usually EXEMPTS Death, Mental or other Incapacitation, because 1 of the fundamental freedoms our country was FOUNDED ON, was the right to OWN Private Property/aka REAL Estate, and the ‘estate’ part of that term meant ‘in perpetuity’ which means For-Ever, which means it ‘inures’ NATURALLY to the Family, Decedents, Estate Administrators, HEIRS of the estate. To State otherwise IN A CONTRACT would violate every tenet of the fundamental foundation of the concept of OWNERSHIP, of REAL ESTATE, <-making same an 'oxymoron'?
They Clouded Your title. Their TITLE SEARCHERS, 'didn't'. You can SUE THEM, You can SUE their Attorney/Title Company/Title Insurer. You will WIN, and every dollar and cent that You spent defending and refinancing is claimable as a damage, plus the full value of the property, ESPECIALLY if You wound up with a "Special Warranty Deed" from the former Lender? Here's the best part, and nearly all R/E & Litigation Atty's already know, ALL Costs and Atty FEES When (not if) You Prevail. Start shopping attorneys. Any who says "You have no damages" just doesn't want to take on the 'system'. Find a Good Litigator, they'll know better.
Be glad You aren't in Florida. Nearly Our entire Judicial Branch all the way to our Supreme Court has been bought and paid for with either former bank lawyer Justices, or their pension plans are so heavily weighted with BANK Stocks, they don't DARE overturn the stone covering the corruption You have documented IN THE PUBLIC RECORDS, in Your complaint.
(& I Am NOT a Lawyer, I'm NOT giving You legal advice, I'm recommending You Seek OUT a lawyer, because even Bill Handel of 'Handel on the Law' would tell You, "YOU HAVE A CASE!".
The trustee did not know that the loan was paid off prior to it “selling” the property. You better be certain that the title to the property is clear of the old lien now.
Oh and my friends have called around. So far no attorney is available to take on the case. At least in its current status. Post judgment. But I so agree, what attorney wouldn’t want the free publicity that this case would give? They would get rich or more rich on just this case alone. The amount of clients they’d get would be unbelievable. So many people out there are using owner financing and they are getting screwed and probably don’t know about it.
I think about those folks that lost their homes and couldn’t get a bank loan with a gun. They are all possible victims of fraud. The sellers inflate prices of homes to hide interest a lot. That is pretty obvious just from searching Craigslist for owner or seller financing. The house price is outrageous. Reminds me of those buy here pay here lots. Some say they offer 0% interest but the price of the car is 80% higher than it should be. Crazy!
I think my friends have a call into Mr Sawyer. It would be nice if they could take it on a contingency basis. The seller is not poor and owns a lot of real estate. The case could be huge.
But where are the law firms to take this to federal court? I guess they must be rich enough.
If anyone thinks of another firm, please let me know. I am passing information onto my friends who are so down and out about all of this. How the judge could not listen to a word that was said. How it could have gotten this far is what blows me away.
Has anyone ever threatened bankruptcy or a lawsuit to the opposing counsel? This is not something they have mentioned to me, but I am a bit more ruthless than they are.
Hello, Can you give more details about this case?
Soltis, You’ll need to check further back in the thread, grab her gmail acct. & email her directly? I tried (3x) & she said It was going to spam, but still never replied offline. I’m hoping whoever her friends are didn’t get hooked up with a shylock, because they’ll spend thousands and likely still lose (since they’d already ‘lost’) & get an immediately scheduled sale date. I know folks both in the area & across the state, that, IF their Equity was sufficient (& it MUST have been for Seller who’d given them loan in the 1st place, to go to IMMEDIATE FC Proceedings), would LOAN them the funds, regardless of credit, as long as they had ability to pay back and again, that ‘sufficient equity’. That’d get them breathing room, & the dirtbag seller (& their dirtbag collections attorney) out of the picture, for-ever.
she was a ‘1-hit-wonder’ who came, got her answer(s) & likely will never return (although I hope I’m wrong).
Hi Carmen. Thank you for the update. I know the lawyers mick mentioned are fairly decent. I actually spoke to bruce jacobs and ice legal Ice legal has alot of green attorneys. I really dont recommend them unless you get tom. And bj is going to be very expensive. He is in the high rent district of downtown miami. I really wish your friends the best and hope they kick their a$$.
Randy ackley west palm. He used to work for Ice Legal
Has anyone used Full Disclosure LLC and Jay Patterson for inexpensive PSA search?
So, say I get really lucky and get a Summary Judgement with attorney fees paid. With a CRAZY GOOD case, is there a Florida attorney who would then file a Wrongful Foreclosure Personal Injury type case on a contingency basis? All the big banksters, servicing companies who have paid heavy fines in other cases, and law firms who have been caught, are all involved in my case.
I appreciate your thoughts!
God bless all of you!!!
ALL of the ONE’s I named for Carmen, PLUS Morgan & Morgan & dozens of other ambulance chasing, class action filing big named types would SALIVATE at the opportunity to SUE YOUR FORMER LENDER for wrongful FC. We have a guy named Sawyer Smith here in Ft.Myers, who SUED BoA and WON over a fraudclosure filed by them against folks who’d PAID CASH! Not only did he get Summary Judgment, he Got a LIEN on BoA’s PROPERTY and pulled up with DEPUTIES and a MOVING TRUCK to remove and SEIZE their Assets at a BRANCH in Ft.Myers! When, after locking the doors, the branch manager realized the jig was up and the movers were going to be taking EVERYTHING out of the branch, because corporate still hadn’t paid settlement costs (including, of course ATTY FEES), he CUT a CHECK….point IS that it MADE the NEWS here and is STILL on YOUTUBE. Just Search it. And tell me what attorney DOESN’T Want to be FAMOUS?! ON Prime TIme Local Nightly News W/O having to PAY for the Commercial for same?
Sooooo, stillfighting, HellYes! Like I said they’d be KNOCKING YOUR DOOR DOWN to represent You (and a bunch more, maybe like us?) and others wrongfully FC’ed by the Same Megabank(s).
Point is, can You GET summary judgment? Can You PROVE Wrongful FC to these atty’s? If so, What in the Heck are You waiting for, old age? Jeez, Louise, I’d just love to read the filed complaint!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Happy Valentine’s Day & Here’s hoping You get motivated soon, because busting the FRAUD is about a DECADE past due?
LOL! Living here in Pinellas county I remember the news and the truck pulling up to the BofA branch. You’re right….that went on national news. And I can bet that attorney got a lot of business that came in from ‘free’ advertising for his process serving…!!
HA! That put a big smile on my face, Mick. I agree with you guys. Pay off what the summary judgment is. Then sue the losers for fraud. I am going to call them right now.
Oh my email address is wintworthllc at gmail (dot)com I am sorry about not including it. These people are my friends and I am so glad I found this website.
I didn’t know Morgan & Morgan handled wrongful foreclosure cases. Just looked up Sawyer Smith. Giving them his number. I wonder if he would work on contingency?
This lender owns a lot of property…. so there is a lot to be had!
If any attorney is reading this and wants to jump on a money heavy case you got my email address now.
Hey Michael! I got your email and it has disappeared. Very strange, it is no where in my Gmail account. Must be gnomes! hahah Can you send it to me again. I am at work and I am interested in the lenders you know. My internet at home is crap and not working properly.
Check Your inbox (then hit PRINT!, then have a pow-wow w/customer service 2gmail!)
Hey guys all is good! They found an attorney who is just itching for this case. I don’t know the name, but they are finally smiling! Thanks to everyone, for your help.
Hi lms still rolling w the punches!
Hi Hammertime, so true, hope all is well.
Just pawns in a billionaire civil war. We keep fighting not only for our homes but for our democracy at this point.
imo, its all part of the globalist agenda, to further dumb us down and to control. all the TBTF bankers are globalists, along with apple, etc. I have a feeling that the housing crisis could be just the start. they want to control population, your money, everything……. they are a bunch of elite sickos that need to be removed from this earth.
After reading this post of disbelief that a bank can foreclose and steal your home and that our courts allow it is just so sad! You people who are not “getting it” really need to understand that this is exactly what is happening! It’s unbelievable but true and why?
URGENT CALL FOR HELP!
I have some friends who are looking for one of the best foreclosure appeals defense attorneys for a case in southwest Florida. This is a wrongful and fraudulent foreclosure.The property is owner financed and violates the Dodd-Frank Law at the time of the closing, the usury Law and plenty more. Basically, the seller and her so-called debt collecting attorney have lied all the way through the case. The homeowners had attorney that was incompetent with foreclosures and cost them the summary judgement hearing. A sale date has been set and they need help now.
If you are an attorney please email me directly with your information and experience with this sort of case. Then I can pass it along.
The homeowners have been through hell already and still going through it. The facts of the case are insane. How can people get away with stealing people’s homes?!
They need an angel to help them. Not someone who wants their next born so they can buy a new Mercedes and a $2,000 suit. That wont work here. These people are amazing, genuine, full of compassion, and would drop everything to help someone in need. Now they need that help returned to them. Time is ticking away FAST please hurry before they lose everything.
how can a bank steal a property that is owner financed unless, the new owner took out some type of secondary loan with a bank or perhaps, the seller that financed to the new owner has debts they have not payed and whoever their bank is is coming after seller’s assets which would include the income stream from the seller financed mortgage, otherwise the property could not be touched by anyone except the seller to foreclose if the new owner is not paying them. sorry carmen, there is more to this than you know or or saying. we know the banks are complete aholes, but there has to be a paper trace somewhere for this to fly!!!!!!
Owner financing, for the most part, is exempt from Dodd Frank in that unless the seller has financed more than 1 property per year they are exempt. Violation of usury is very, very hard to prove let alone get any kind of relief. In south Florida, where judges are more or less indebted to the banks for their support in re-election campaigns, are still not abiding by the law. Talk about corruption!!! Mark Stopa and Legal Ice are probably going to be their best bet in representation but they will need to act fast. No amount of ‘angels’ (unfortunately) exist in this nation’s court system. Best way to stop corruption is to vote out the sitting Judges and vote in those that stand by the laws of the land and not by the $$$ in their campaign funds.
Hello! Sorry that I didn’t include more details,it was quite late when I posted it. There aren’t any banks involved. The property was free and clear without any liens. The owner financed it and they hand an official closing just like a bank. The home is in the buyers name legally. The Dodd-Frank law section on Residential Mortgage Loan Origination Standards covers owner financed properties. In a nutshell, property owners who sell less than three properties a year are exempted from becoming a licensed mortgage originator. Only IF they follow the the guidelines stated by the law. Here’s a link to the public law https://www.gpo.gov/fdsys/pkg/PLAW-111publ203/pdf/PLAW-111publ203.pdf
Page 763 & 764.
And here is a snippet:
A mortgage originator:
“(E) does not include, with respect to a residential
mortgage loan, a person, estate, or trust that provides
mortgage financing for the sale of 3 properties in any
12-month period to purchasers of such properties, each
of which is owned by such person, estate, or trust and
serves as security for the loan, provided that such loan—
‘‘(i) is not made by a person, estate, or trust that
has constructed, or acted as a contractor for the
construction of, a residence on the property in the
ordinary course of business of such person, estate, or
‘‘(ii) is fully amortizing;
‘‘(iii) is with respect to a sale for which the seller
determines in good faith and documents that the buyer
has a reasonable ability to repay the loan;
‘(iv) has a fixed rate or an adjustable rate that
is adjustable after 5 or more years, subject to reasonable
annual and lifetime limitations on interest rate
‘‘(v) meets any other criteria the Board may prescribe;
The issue here is that the seller violated rule (ii) and (iii). They have spoken to several attorneys all of which state that the seller did violate the law after reviewing the case facts.
So need an attorney to file an emergency stay and an appeal.
Not related to this case. If someone seller finances a property and they still have a mortgage and fails to pay the mortgage, even if the buyer is paying. The bank can foreclose on the home. There have been a number of cases where this has been an issue. They see it as fraud because the seller is committing fraud by keeping the money. Here is a link to a story where this happened to http://homeequitytheft-cases-articles.blogspot.com/2011/10/builders-contract-for-deed-scheme-used.html
There’s Bruce Jacobs in Miami. There’s Ice Legal in Miami. There’s Kevin Jurisinski in Fort Myers, There’s Mark Stopa up around Tampa. There are plenty of great lawyers who will help them out IF THEY HAVE A CASE. I don’t know who their ‘incompetent’ atty was, or How “incompetent” he was, however in Fort Myers & Naples (aka “SW Fla.”) Your friends already have a HUGE UpHill Battle, as, shy of murdering the FC Defendants, FC Plaintiffs prevail about 99.999% of the time here, with both LOCAL and Appellate justices nearly UNANIMOUSLY being former ‘bank lawyers’ (just the way Florida BAR and Judiciary Appointment Committee Want It). That said, THEY aren’t going to acquire representation for ‘free’ because YOU THINK They’re “good people’. They sure as heck aren’t going to get GOOD representation for a CHEAP price. They may wind up in the hole, however IF They still have significant EQUITY in Said Property, I know folks who will refinance them RIGHT NOW….by like, NEXT WEEK, and they can deal with everything else, later, while simply paying off the ‘scumbag’ & scumbag’s lawyer/fees/court costs, and then PURSUING a Separate (or SERIES of Separate) Action(s) against the Plaintiff & Counsel for the purported frauds on the court, etc. IF Your friends have EQUITY, (aka their house is worth $350k & this FC is for $150k) I KNOW People who can help Them immediately (& Don’t CARE About the circumstances, as long as there’s sufficient EQUITY, and a reasonable expectation that the borrowers, Your Friends will PAY THEM BACK).
I’m guessing Your friends need an immediate motion for rehearing, or to file a notice of appeal. I can help them prepare either, if they need to start of pro se (initially representing themselves, while they secure counsel. I WOULD NOT Recommend, ESPECIALLY HERE, they attempt to ‘defend themselves’ in the appellate realm….that never ends well) however moving to the appellate realm only works IF their attorney wasn’t Completely incompetent?
There are also multiple FEDERAL AGENCIES who’d love to hear how their rights were violated (I’m concluding TILA violations, GFE Violations, and a fair # of D-F violations if this is their primary residence)? Is there a particular reason why they didn’t/haven’t COUNTER SUED for fraudulent FC and damages? IF They’ve really been ‘hoodwinked’, there are a SLEW of Attorneys who’d take BOTH the APPEAL and the Fraudulent Foreclosure Case on CONTINGENCY because if the attorney sees fraud having been committed, IN THE RECORD, he/she know they can prove it, expose it, and reverse Your “friends” existing summary judgment.
Usury in Florida is EITHER: Charging Interest exceeding the State Maximum allowed on Real Estate (read=18%, yes, You read that right, EIGHTEEN percent), or charging interest for periods of time either before the owners held title, or after they surrendered title? Usury is a pretty high threshold to meet/prove?
FYI, I am NOT an Attorney (or paralegal) and only do legal research for a few FC Defense firms. IF they have a case, any of the 3 named above will take it and save them their home. Sale Date is immediately suspended with the filing of a notice of appeal. Appeals take about a YEAR, average, and probably will cost them $10-$20k. Keep in mind that IF the “Owner” who did the “Owner-Financing” broke State or Federal Law, and that can be proven, as well as the “Owner’s Attorney” making false representations before the Court, they not only have 1heluva case, they GET THEIR LEGAL FEES and COSTS awarded (both at the district and circuit levels) if what You state can be PROVEN. nobody “can email You directly, unless You make Your email address available to us.
Please consider NOTHING I have TYPED above (or below) “Legal Advice”, as again, I am NOT licensed to practice law in Florida (or any other state). The Underlying SUGGESTION is that You have Your ‘Friends’ begin calling/emailing the above named suggested ATTY’s for some LEGAL advice. Let THEM tell YOU (or more aptly Your “Friends”) that YOU HAVE A CASE.
The FIRST bit of NON-LEGAL Advice I would give Your Friends is to REFINANCE RIGHT FREAKING NOW…close Next WEEK. Get the scumbag outta their lives and breathe easier (again IF THEY HAVE EQUITY, & I’m betting the probably do….usually landlord mindset mortgagee’s jumping the gun on FC’s are AFTER that EQUITY!)
The Second bit of NON-LEGAL Advice I would give Your friends is to GO to the COURTHOUSE, Clerk’s Office and shell out the $100-$500. to get a copy of the ENTIRE Complaint & Action, including the summary judgment ($1. per page, statewide cost). Take it to Kinko’s/Office Depot/Staples w/a THUMB Drive (or do this at home if they have a scanner) and create a chronology of “.pdf’s” keeping them to about 2-3mb ea. and number all files/including motions & orders by DATE, or other numerical procedure so the entire FILE makes Chronological Sense. HAVE it on a thumb drive when meeting with the atty’s. Let them READ the case. IF It’s winnable, the ATTORNEY will see that and tell them so. I can also share simple online format to transfer up to 2GB for free to those atty’s.
Carmen, I hope something in this helps both Them and You?
My 2 cents
Happy Valentine’s Day,
PS:lms53…actually private lenders/owner financiers are now regularly SELLING their NOTES, so don’t assume that just because an agreement started out ‘1 way’ it couldn’t take a serious turn, ‘another way’ after a new servicer begins handling the note & pmts? Not saying that happened here, but it DOES Happen, all the time now.
Went trying to find You online (looks like You’ve been posting all over the place?), however WE can’t contact You via this discussion board, any more than any of the others You’ve posted at, unless YOU reach out to us?
I’m no scammer, and only aim to help Your Friends if it’s not already too late (which, by filing a notice of appeal, even up until midnight tonight may still be timely if the Summary Judgment was on the 30th, the day all Your other postings show?) Actually, Again, IF they Have significant Equity, a refinance, supplying the Clerk of Court with the Funds, EVEN THE DAY OF THE SALE, Prevents the sale. A MOTION for an extension of time to reschedule the sale would likely be acceptable and approved by the COURT, IF they have a LENDER who’s supplied an APPROVAL Letter and specific Date and Time their ReFinance can be CLOSED! I know folks who bail people out in circumstances such as theirs’, EXACTLY. It ain’t pretty, but it keeps them from losing their home and gives breathing room to consider options (like counter suit, funds for legal fees, etc.) Sitting on Your hands, Them Sitting on Theirs, only guarantees 1 outcome…a UHaul Truck in the driveway and soon (& ALL their equity going to their former seller)
or better yet, have them call me.
352.246.7483 up until 10pm.
Hey Mick, I am at work at the moment. My email is wintworthllc at gmail (dot) com Feel free to shoot me a message. That goes for anyone who knows of an attorney or are an attorney that wants to take this on.
This is a case that would set precedents across the nation. No doubt about that.
Happy Valentines Day!
I just wanted to wish ALL YALL a GREAT turkeyday <3,,, I lost my battle,but DIDNT loose myself,,,CHASE is the devil,& I hope ALL affected by this virus of a so-called bank finds STRENGTH,PEACE,<3 OF A BETTER DAY <3
Back Atcha Angel!
Actually me thinks it’s BoA, Chase, Citi, Duesche, (<–misspelling INTENDED, TYVM!), AND Wells Fargo who make up the big 5 "SATANS", that desperately need to be broken up, forever. They aren't a virus; they ARE a plague. 7 TRILLION Now in clouded titles in the USofA ALONE! God help all the owners when they go to sell and find out the NEED for all the "Special" Warranty Deeds they Bought in to (While Goldman Sachs funded all the TItle Insurance for the worthless deeds millions snatched up thinking they were getting gr8 deals…..thank GOD we now own a Never been SOILED by the UNCLEAN HANDS of MERS property. It shall stay that way until we and our children DIE, to boot. Black Clouds of a BAD Time are coming folks, hunker down, prepare for the worst and hope for the best….we're going to need a SERIES of miracles to make it through unscathed in the next 18 months as a Country. & Like Angel, I WISH EVERY READER A HAPPY THANKSGIVING, don't forget to give those thanks Yourself, to Your God, because it could always be worse. my 2cents (& no, You didn't have to overpay to get it!) -mick
You’re so right! Thank you for sharing such kindness especially after fighting so hard for what you know was criminal. It’s tough to pick ourselves back up and move forward, I know. My battle was for 7-years, trust in our judicial system spending every last dime of our savings. Extremely naive thinking our courts would no doubt find the lender guilty of illegal foreclosure and fraud, I was made a fool.
However, the wealth of knowledge I’ve gained through this battle shockingly has taught me a huge life lesson that many people go their lifetime never having to experience.
Many Blessings to you and your family! Happy Thanksgiving 🙂
Hey Mick can you email me. I would like to rack your brain some.
IF You filed Your Lis Pendens at the same time You Filed a Lawsuit (Complaint)against Your former lender/servicer (or ‘pretender-lender’) rather than a motion for rehearing (or even With a Motion to the Previous Judgment) that has not yet been ruled on, for a Fraudclosure rather than Foreclosure, You’d better be prepared to fight it until You win. You haven’t ‘slandered’ title if the party that obtained it didn’t have lawful RIGHT TO IT.
IF the buyer at that foreclosure sale didn’t bother to check the court records, inside of those ‘courthouse steps’, prior their winning bid, it’s ‘caveat emptor’ (let the Buyer Beware) with ANY and EVERY FC Sale & Purchase. In addition, IF You can PROVE that You notified the ‘pretender lender’s Attorneys BEFORE that sale, You have zero things to worry about. THEY Clouded (read=Slandered) the title long in advance of You if for some reason they (can be proved after the fact to have) Foreclosed without standing or with other flaws in Their purported chain of title/ownership. I’m sure no lawyer, and this isn’t legal advice, but I can tell You we’re in nearly EXACTLY the same scenario, where we also filed an LP with a followup motion to vacate a void judgment, and we went 1 further….we served a copy of that motion, the 84 pages of attached addendum evidence, AND THE LIS PENDENS, On The Buyer. They, after committing 2 counts of Mortgage Fraud Before Service, Committed ANOTHER TWO Quickly “re-fi’ing” AFTER Service….and their Lender apparently didn’t do a Title Search? Oh Well, as Sophocles said nearly 2300 years ago: “Time Reveals Everything”. Good Luck on You and here’s Praying You & all family members old enough to do so are both registered and Voting for Trump today. A Criminal, for Thousands of Counts of violations for the Espionage Act, not to mention treating our military personnel like disposable diapers (both active duty AND Retired), and Knowing where she stands on the Whole Bill of Rights(starting w/Amendment 2) and the Next President getting a power play not seen since FDR(& he had 15+ YEARS as POTUS to get the ability) of APPOINTING 4(FOUR) SCOTUS JUDGES, possibly even 5(FIVE). It’s a staggering responsibility, and IF HRC’s granted that effort through election today, we, the fighters against fraud, are done. <-Period behind that for a reason. & If anyone out there thinks She'd do anything to Goldman-Sach's, & the rest of the plethora of Mega-Banks after Obama FUNDED their Buying out of all their competition (when both They And Their Former Competition Were Supposed to be Helping US in SOme FOrm or Fashion With that Financial Assistance) That WE the Taxpayers, provided…..well readers, not in Your grandchildren's lifetimes do we recover from a 9 Judge Liberal "Living Document" Left Wing SCOTUS deciding anything, much less Everything. Voting for HRC, is kissing the American Dream goodbye (Communists and Socialists don't approve of 'private property ownership' in case You didn't know?).
Well the Florida Supreme Court made their decision and of course not in our favor.
Vote for a criminal not a chance
You only vote for him because you LIKE him,
and you only LIKE him, because you are…. LIKE HIM!
“The only thing necessary for the triumph of evil is for good men to do nothing.”
Even Hitler had massive supporters. Didn’t make him right !
By That line of THinking, Hillary Felon in Waiting Rodham & Shaftem Clinton Supporters are ONLY VOting for HRC because they’re Fellow FELONS in Waiting? Your Quote works exceptionally well when reversed, because WHO we vote for Speaks VOLUMES for WHO WE ARE. Criminals (Either Sexual Predator Husbands who Raped, and Sexually Assaulted all those around him EXCEPT his Wife, OR the Enabling, obviously Chiild and Woman/Victim Hating Attorney Wife of our Former POTUS, who’s running for POTUS, who made a Career of Destroying the Reputations of those victims OF HER HUSBAND), then hid and deleted 10’s of thousands of emails each in violation of FOIA (AFTER receiving Subpoena for preservation of same….imagine if YOU or Me did that? Hmmm?) Are You an Elite Millionaire, who’s given a pass with EVERY Lie You tell, Including those to cover the former, former, former (add 30+ yrs worth) LIE? Do YOU believe the US Constitution and BIll of RIghts should be Shredded? Do You HATE ‘common people’? IF SO? Well, then You DEFINITELY Need to be voting for HRC. No question about it. If not, well, then You still have some time and some choices. You get to determine what kind of Country Your grandchildren inherit, today.
We fought the eviction but had some corrupt county judges in Fort Worth. Judge Don Pierson. Also got a judge who is leaving office and not running again so she could careless about justice. I totally get what your saying about all your complaints to other departments. I have a 15 yr paper trail of mortgage fraud. You name it I got it!!
Working with some extreme cases to do group complaint and/or collaborate, share info. This site is first stab. Very basic, will probably do basic complaint for my own case and/or a couple of other CA cases. Goal to make it public and ongoing. A TX homeowner has been in touch and tells similar story. If want to participate or contact can leave info here http://www.getyourhomeback.bravesites.com/homeowner-status
You do know who Jamie Dimon is right? Established insider deep into fraudulent foreclosures??? http://www.pymnts.com/politics/2016/trump-advisers-want-jamie-dimon-named-treasurer/
That is my thoughts. After we got the very first evic notice I called him and let him know there was a Lis Pendens filed the morning of the sale. He said I’m getting my check back! 21st Mortgage aka GMAC. Mortgage would not return his money. Not new buyer has possession of property and put it in the market and is u set contract. He found out that he could not get financing wanted me to sign off. LOL!!! He said if I didn’t he would sue me for Slander of Title. I told him talk to me lawyer and my lawyer said I don’t think so buddy. We lost the TRO but hopefully we will this since he purchased property as is.
Interesting,so far no one is touching MY property, though unlawfully evicted. Still purportedly NON bank owned after 1 yr+. barely will be getting to file lis lendens. May be all my complaints with every agency, local offiicial had some effect
@Kelly if lawsuit filed legitimately a lis pendens is just a warning so can’t see how it’s slander.
Excuse me my FORECLOSURE SALE.
What do all of you know about filing Lis Pendens before your fire closure sale. I filed one after I filed my law suit that morning. Let attorney know and the sale went through. Attorney did not inform new buyer. Filed another suit and a new Lis Pendens now buyer wants to sue me for slander of title since I won’t remove or cancel. What are your thoughts ? I’m in Texas.
ATTENTION READERS!!!! This site has been created for foreclosure fraud, which we are all aware of is the worst crime to ever be perpetrated in American History!!! However, we know there is enough corruption to go around but tThe ONLY way to rid it….
.VOTE OUT ALL THE CONGRESS AND SENATE…….JUDGES…..ATTORNEYS GENERALS…..GOVERNORS! It may take 4 years but this corruption is allowing the banks to steal our homes through fraudulent means!!!! Stop the insanity!!! Vote Clinton for these next 4 years cause Trumps now bought by the Pence corrupt backers, those pesty Koch Brothers!!! Don’t let them into more power, this is the closest they’ve been and all you’re hearing are lies to decieve! Give her 4 years, please, I know this will work!
Firstly, I am almost done reading ‘Chain of Title’, and wanted to say Kudos to Lisa E. and Mike R. for their life’s work here. Next a shout out to all the others here who are helping one another via this forum.
Now a few thoughts:
If you look back, most people voted for Trump in the primaries NOT because he had a flawless personality (far from it), but because he brought up issues that were (deliberately) suppressed for decades by the political establishment in DC. I still believe Obama and Hillary are good people at heart and want what is best for our country, but given their circumstances (receiving campaign contributions) they will not be able to go against Wall St which still controls much of our econo-political system. Recall Obama’s meeting with the 13 bankers at the White House where he caved in and let them keep the status quo? This is documented in Ron Suskind’s book – Confidence Men. And then you take a look at this public link about HRC’s top donors
and you can see why she cannot ‘rock the boat’ even if she wanted to. It’s a shame because had Hillary not had this baggage, I would have happily voted to make her the first woman POTUS. And as significant as that is, I realized that reforming our political system takes precedence over everything else.
So, yes, I am a life long democrat who is voting for Trump this time. There is always the chance that he too will cave in like Obama, but given what we know about Trump’s independence and fearlessness that seems less probable.
I respect and admire everyone here who is sticking to their own reasons for voting for their favorite candidate, nothing wrong with that. And let that not stop us from working together to ensure that Wall St, K-Street, and Main Street all play their proper roles in our society.
This site, the Livinglies site, and Chain of Title have helped me educationally and emotionally during my 9 year battle to same my home. I will continue to support all of them.
But…I’m checking out for a while now that you have all turned this message board into a rambling mess of opinions.
It doesn’t matter who gets elected. It only matters that we work together with the common goal that we have had for the past decade.
Thank you Michael Redman, Neil Garfield, and David Dayen, for all that you do! I’ll be back in a couple of weeks!
Yep, guess Obama was the Republican president in 2008 when the banks were given the bail out. I suggest you vote for the racist, homophobic, sexist, child molester, rapist, adulterer, voyeur, misogynistic, tax cheater, liar, xenophobic Donald yourself. Keep your suggestion to yourself. Shaking my head.over your comments as well as the other person who implied that Obama is dumb because he has not stopped the hacking. It appears that there is a lack of basic information technology knowledge on this board. I must unsubscribe from this website. Thanks to the creators of this website but I think some people have veered off course.
Mick! I believe it has been widely announced on all media formats that Benghazi was closed as it came to light during the investigation that the Republican Congress was responsible for further expenditures…. Mrs. Clinton was cleared, case closed! However, you mentioned it as if you believe she is responsible after a 3 year investigation? If so, it’s pretty difficult to have an intelligent conversation with someone like you who believes what he believes and screw facts!! wow!
Sorry, Tom you’re getting played by the greatest con man in history!
The Donald has made it VERY plain that Hillary and Bill do the Banksters bidding for them, and he is committed to putting the bank fraudsters behind bars, unlike Bill and Oback Barama who let the banks and courts get away with (financial) murder of we citizens which is what put the entire WORLD in financial chaos, where it remains.
MORE than THAT, Trump will straighten out the crooked judges that gift the Banksters YOUR properties even though they don’t have a penny invested in the mortgage…remember banks make THREE to FOUR times the profit of these stolen loans whose original investors were wiped out to conceal the evidence.
Any reader of this site who votes for Hillary is absolutely insane, and you’ll get what you deserve….TAKEN.
I say TRUMP THE ESTABLISHMENT…The Donald is running against the Establishment, folks, – he deserves ALL the support we can give him, starting with EACH OF OUR VOTES
Tom!!!!! Come on??? It’s shocking you have become under this guys con!!! wow!!
Unfortunately you opened up a conversation expecting most to accept your statement as you wrote, portraying as you have the last and final word.
Agree, to disagree. Although I do agree with one comment you made 🙂 most of us are in real need and desparate for advice and knowledge pertaining to foreclosure since our government has failed us all. We should be coming togather helping one another more so since our voice has no sound and have been forgotten by our government who hopes the more we are ignored we will go away.
Remember…..the DEVIL has many faces and is getting rewarded by putting a wedge between us when in fact we need to come togather and strongly fight to be heard and recognized of the losses we have experienced!
I agree. We went the whole election season without much political rhetoric until now. Someone opened the can of worms and now wants to close the lid. . LOL!
The “divide and control” tactic is in full effect by the oligarchy. They continue to pit black against white, both against Hispanics, while we all have one thing in common. All us are HAVE NOTS living from paycheck to paycheck. Fighting to keep our measly homes, while most of them own 3 or 4.
Lisa, unfortunately we are too ignorant to come together and they know it. They make the Blacks seem scary and violent, the Hispanics deadbeat illegals, and poor whites the victims of both. Ahhh, what a brilliant plan, keep us fighting among ourselves while they continue to screw us. This scheme has worked for generations and still works today. They get richer while we fight over their leftover crumbs. Begging them for their predatory mortgages, car and student loans. All while hoping, believing that one day we will be them. The American dream! Just sad.
If we had any brains we would have stopped complaining and started raising money years ago to hire a lobbying firm to represent our interest in Washington. 8 million foreclosures/ donors! But nah, we are too consumed with building walls to keep out those who were here long before us, and reading hacked emails given to us by our enemy.
We can blame all the banks, judges and politicians we want, but when it really comes down to it, there is one main party responsible for our situation. US ! and this election proves it.
We the people… get the leadership we deserve.
Ok, I’m done…have a foreclosure to fight. Enjoy.
You nailed it Walter. We could still be the front lines. We are all united in getting screwed from “inner city” to the “heartland” to all four corners of our country.
No matter who’s elected we need to demand justice. Some of us are going down the road of forming an association that’s going to take a common sense approach and not have anyone speak for us.
It’s just a handful of us and we’re fighting our own cases with whatever we have but we’re gonna give it a shot without any going back and forth or blame game distractions.
VOTE ALL….ALL of the current Congress and Senate and Judges OUT!!!!
We know it’s a web of deceit with the government working with the banks so VOTE THEM OUT!!!!! It could take 4 years as elections are staggered but some of us have been fighting much longer than 4 years!!! Every State!!! It’s a direction of hope cause “they’re winning!”
Enough is enough on this site for airing political views. There are desperate people out there who are looking at this site as a means of HOPE. Please don’t discourage them with all this political raging and ragging. Show some respect. And for God’s sake let’s all try to remember that the one thing that is still precious is the Freedom of Speech but you don’t need to bash another citizen just because they don’t have the same opinion as yours. Just please, you’ve all made your opinions public ~ now just leave it at that. On Nov. 8th you get to share that opinion and that’s a right that a vast majority of the world does not share.
Hey guys, going to vote here in Fla this week.
I will make an offer to anyone willing to accept.
I don’t really care for either candidate, but I’m leaning Hillary. So if any of you can tell me, SPECIFICALLY in detail, what Donald Trump plans to do to address the big banks, that will help us facing foreclosure I will vote for him. Will he help me save my home?
I don’t want to hear anything about Hillary. I know her plan. I just want to know how Trump will address the Banks and help me. If he has a good plan I will consider voting for him. Have no clue what he thinks about the banks since his plans are all secret. Maybe he’s already told one of you guys at a rally.
And how is that going to help you fight your foreclosure? Every administration was and is corrupt to some extent. Its the way a REPUBLIC / so called democracy is. You crying bout emails given to you by Russians? When the Candidate’s former campaign manager is a KGB affiliate? Wow…You don’t care about this country…you care about politics.
Just in-case you forgot…
Prescott Bush was an Opium exporter that almost ruined china. Criminal !
Reagan admin. illegally imported drugs, sold them in the US inner cities (causing the crack epidemic) then used the proceeds to buy military weapons for our enemy IRAN. That was called the IRAN CONTRA scandal which got 3 top ranking Reagan administration officials convicted and imprisoned ( OLIVER NORTH) and almost got Reagan impeached. HUMMMM? Did you forget this when you call Hillary a criminal ?
Yep, then he and Bush Sr. conveniently pardoned them for those crimes. WOW! So, do think Obama shouldn’t do the same for Hillary? Even if they somehow found something incriminating, the DOJ would still have to bring charges, which they won’t.
FACT: Donald J Trump is on Trial for RAPING a 13yr old girl, to which there is an EYEWITNESS! Yet, you are more concerned with Russian emails about Donna Brazil ? HUH?
Moreover, are emails about someone giving answers to debate questions and gossiping about who’s stupid and who’s smart, equivalent to the President selling arms to our enemies, or a candidate Raping a 13yr old?
Oh, and lets not forget Bill Clinton, or Nixion (Criminals) for which they were PUNISHED. Unless you have HILLARY on video with a hammer smashing verified court ordered documents you only have allegations. And what is it’s all dis-proven in the end? Then what? Convict first, trial later, that the American way!
Not that any of this matters anyway. Demographics, Demographics, Demographics !
My friend, this whole government is one big sham, and dumb-bo Trump wouldn’t know where to began to fix it. It will take a VIOLENT revolution to change this country (for good or maybe bad). Last one was the civil rights movement that almost ripped the country apart.
This time, China or Russia wouldn’t sit by and let it happen without their influence. Just like we try to influence Russian politics, they are trying to influence ours. Unfortunately we have a president to dumb to know how to stop it, and citizens to dump to recognize it.
There are CENTURIES of fixed legislation in place to keep those in power, in power. The oligarchy that runs this country has and always will be in control. They have the money, which now (thanks to the SC) controls our politics! We are the peasants my friend. When you understand the basics of capitalism you will see why is believe this.
Our politics are predicated on our ” capitalistic=Greedy” economic system. Economy first….politics second. Money makes this country great. Not politics, now that money also controls the politics so we are really screwed. This is why no one cares bout your foreclosed home. As long as it’s not hurting their money that pays your politician to keep letting them make more money, they could care less. Hurt their money and you get their attention. https://en.wikipedia.org/wiki/Bilderberg_Group
I’m not saying Hillary is perfect. She’s a crook too! I just chose not to support a 7 time bankrupt, con-man, rapist and sexual predator, who’s posing as a brilliant businessman ! You make your own choice. But you can’t piss on my leg and tell me it’s raining! I may have been born at night….but it wasn’t last night.
No SUCKER here! Again…Neither gives a rats=azz bout us.
You can’t connect the dots by skipping over 8 years of not only a catastrophic war but privatizing our military and everything else to Wall St. And Trump has no problems starting a war or siding with Russia. How many widows will we have then? It’s rigged because we have no good choice but the truth is coming out and w Sanders and Warren we have a chance to make things right not depending on Clinton or Trump.
RACISM ALIVE AND WELL IN AMERICA.
I wish I had a nickel for every time I’d heard statements such as Yours above over the course of the last 10 years? While lame duck administrations don’t have much to lose,they DO have further employment opportunities and those are invariably either as lobbyists or ‘consultants”. Further invariably those Lobbyists and Consultants WORK FOR THE MEGABANKS. The game is Rigged when from the top down (including the AG herself) our system has become SO CORRUPT that the Chief Law Enforcement Officer of the United States Casts Appearances of Impropriety Over HER OFFICE (Loretta Lynch) by meeting for 39 minutes, secretively with the spouse (Bill Clinton) of a Party (Hillary Clinton) under US DOJ Investigation. Our system of “Justice” provides us with Judges (by Design) Who have pensions heavily vested in Bank Stocks, who are former attorneys, who worked for firms, that represented BANKS, or were attorneys, employed directly FOR the BANKS, and yet we are prohibited from finding out that information, and are Told, They Are Unbiased. We have the Best MegaBank JUSTICE, MegaBank Money Can Buy. Trevor, I can only speak for Florida, Yet Here, Res Judicata has been “Suspended” with Bartram flopping about on the dock like a mullet out of water for well over a YEAR now pending their decision. Bartram argues that words, in statutes actually MEAN WHAT THEY SAY (ergo, res judicata). Our SCOTUS can’t make up their minds if a Letter of Acceleration actually means what it says, and whether a statute of limitations (specifically FOR Mortgages) also means what it says.Their (Lack of an) Opinion has been upheld by the US 11th DCA so it’s FEDERAL Law for the time being as well. I hope You’re right; I believe based on the actions of our COURTS that You aren’t.
Thanks Mick but you are wasting your time in responses here. Far too many have eluded themselves and drank far too much of the koolaid doled out by the present and past administrations. Basically, you’re talking to a brick wall. When you look at the total corruption of our justice system who favors the bankstas and then tie the bankstas directly to those in the political arena there are those who just cannot connect the dots. You and I have the same thought process but unlikely that we share that amongst the greater population.
After loosing 2 homes to forged and fraudulent foreclosures in both California and Florida, after 7 long years of fighting, I came to understand that there are only 6 Banks in America and all others are connected to those 6 ! They are all part of the 6! Those 6 banks own your State senators and congress and attorneys generals and judges! It is the largest crime in American history and it will only change by voting every sitting officials out of office as well as the Judges!!! It’s as corrupt as could ever be! No jury for a foreclosure trial???? No court reporters during a foreclosure trial unless you bring one on your own…. and good luck finding one as the Banks millions of law firms have them stopped!! It’s unbelievable that I still read that millions of homeowners are still fighting the same way and that nothing has changed??? My heart bleeds for you all cause the rigged system is rapid and your only help is to believe me when I beg you to vote all of them out! It will take 4 years but that’s where we can help the millions that are behind us that haven’t a clue!
Let’s not forget Trump’s mortgage ventures. At BEST a BAD businessman and a liar. And made brokers look good when he stiffed them.
First let me say that neither of these Candidates will do anything to assist us! Neither give a rats azz bout our situations, but since you guys want to go there… here we go!
It’s astonishing how many women want to be ” Grabbed by their puzzy” and even more astonishing is how many mothers and fathers approve of their daughters, mothers, nieces, sisters and aunts being grabbed by their puzzy. When you approve of this RAPE CULTURE that Trump represents you will get more RAPES. So go buy your daughter a gun and tell her to be prepared. Cause Trump says it’s COOL.
Birds of a feather? His advisory team…. Newt, on his 3rd marriage, cheated on first two wives, and left his cancer stricken 2nd wife while she was in the hospital getting cancer treatments. Rudy, cheated on his first two wives and now cheating on his 3rd. Rodger Ailes, fired by Fox and pays 10 million to setting sexual harassment chargers. Oh, and Ole Don Juan Donald himself. Cheated, abused and raped first wife, then cheated on second wife, with now third wife, and admitted to sexually assaulting numerous women who have come forward accusing him of doing what he bragged about. Oh, but now they all are liars and he’s going to sue them. HOW STUPID CAN YOU BE!
Yes, Hillary is just an opportunistic politician who will do and say whatever to win an election. But she’s not a CRIMINAL and has never intentionally hurt people like Trump. Trump is a PROVEN vindictive, dangerous, bully that picks on the weak!
He is a racist, he can’t help it, it’s just the era he grew up in. He learned if from this father. I think his discrete racism is what “sub-consciously” appeals to white men. We are afraid of anything different from us. Afraid of losing our privileged to automatically earn more than a woman, or get a job before more qualified minorities. Why we mostly hire people that look like us. That’s who we grew up with and feel most comfortable around. Nothing intentional, just an inherent bias we we have and Trump represents.
Trump is a 70 yrs old, rich white guy, who’s father was a racist arrested at a KKK rally in NY. He taught his son everything he knew including racism and housing discrimination. Is he tolerant of others? Yea, maybe? But does he see them as equal humans! HELL NO! And that’s a problem for a president. Just to prove how “sub-consciously” racist we are….answer this. If Obama had did any of the things that Trump has done, would you support him as you do Trump. Answer honestly ! NO YOU WOULD NOT! WHY? Think hard ! SEE WHAT I MEAN?
IMO….Trump is a
Moreover he’s a dumb idiot that will get us all killed or have us speaking Russian because he thinks he already knows everything. If Hillary was running against anyone but Trump, I would vote for them. Just can’t support a Rapist, especially when they have no coherent policy solutions to offset their obvious character flaws.
Yet, I’m an American, and unlike Trump and his supporters, I WILL accept any decision my fellow Americans make. Even if its to destroy this Great nation and elect a greedy, serial sexual predator, and narcissist !
God Bless America
Still on my Soap box!
650,000 Felony Violations of the Espionage Act.
Hillary Clinton is Guilty.
She’s going to be the 1st President in History who’s allowed to PARDON Herself!
We’re heading to Banana Republic territory.
Our Legal System has been Corrupted by Clintons since the 1990’s.
Allegations of guilt are simple.
Subpoena for preservation of records is received.
Deleting 33,000 emails begins THE FOLLOWING DAY.
Private Server, Illegal and DANGEROUS to protection of National Secrets
Lying to Congress, Each is a FELONY.
LYING TO THE FBI…Remember Martha Stewart?
& that was over a measly stock transfer.
God Help Us with an OPEN SOUTHERN BORDER and BRIDGE over the Rio Grande, Unconvicted Felon(s) in the White House, who’s primary agenda is to stack the Nations’ highest court and dismantle the Bill or Rights, STARTING w/the 2nd amendment, however if they get the 2nd, they’ll take all 10.Never thought I’d see this in my lifetime. I was wrong. Trump does stink; But he’s head & shoulders above a Corrupt Career Criminal who’s already guilty of at least 33,000 Felonies, more than likely 600,000+. That boggles the mind, and yet there they are, on Anthony (the Sexter to minors in front of his own baby) Weiner’s computer. He’s creepier than creepy, yet Huma & Hillary had no problem w/Even HIS Conduct until Caught Red Handed? You’d advocate for our own Female Caligula? Your argument terrifies every sane Constitution Clenching American Patriot.
Did someone say CRIMINAL ?
What gets lost amidst all the outrageous things Donald Trump says is his record of criminal activity and alleged criminal activity. It is as if the media and public assume that Trump cannot be both an outrageous buffoon and a criminal. Here is a summary of the most notable allegations against Donald Trump, conveniently all in one place.
-Trump and his father were sued by the federal government for housing discrimination in the 1970’s for refusing to rent to blacks after an uncover investigation. They lost, signed a consent decree, and were forced to desegregate their properties, which they later violated.
-He is being charged with fraud in connection with Trump University. Eric Schneiderman, the Attorney General of New York, who is prosecuting Trump, told CNN, “If you look at the facts of this case, this shows someone who was absolutely shameless in his willingness to lie to people, to say whatever it took to induce them into his phony seminars. Telling people who are in hard economic times — we’re talking about 2008, 2009 — people desperate to hold onto their homes, to make some money, convincing them that he will teach them his entrepreneurial secrets.”
– Trump Tower was built using undocumented Polish laborers to demolish the building that previously stood on the site. At trial, the workers testified they worked without basic safety equipment like hardhats and gloves and they were supposed to earn $5 an hour from Trump’s low-bid contractor. But court documents show that for weeks, they were paid nothing. An NBC News story in which numerous witnesses were interviewed showed that Trump knew about the undocumented, unpaid workers. Yet under oath, Trump testified that he knew nothing, thus adding perjury allegations to the labor law violations.
-Trump is alleged to have violated immigration laws in hiring foreign models for Trump Model Management. These models worked illegally, and he failed to pay them fairly. Two of the former Trump models said Trump’s agency encouraged them to deceive customs officials about why they were visiting the United States and told them to lie on customs forms about where they intended to live. “It’s like modern-day slavery,” one model told Mother Jones. Senator Barbara Boxer has called for the Department of Homeland Security to investigate Trump for human trafficking in relation to Trump Model Management.
– Trump’s charitable foundation appears to have repeatedly broken IRS rules, according to the Washington Post. In five cases, the Trump Foundation told the IRS that it had given a gift to a charity whose leaders told The Post that they had never received it. In two other cases, companies listed as donors to the Trump Foundation told The Post that those listings were incorrect.
-His charitable foundation violated tax laws by giving a $25,000 political contribution to a campaign group connected to Florida’s attorney general, Pam Bondi, in 2013. As a registered nonprofit, the Trump Foundation was not allowed to make political donations. He paid a $2,500 fine.
-Trump is accused of bribing the Attorney General of Florida, Pam Bondi to drop her investigation of Trump University. She successfully solicited a donation from him before the fraud case, and afterward, he held a fundraiser for her at his Mar-a-Lago resort in Palm Beach.
-In 2007 and in 2012, Trump and his wife bought two gifts for themselves at charity events for his foundation, totaling $32,000, breaking IRS rules. One gift was a $20,000 painting of himself.
-A deposition describes him raping his first wife Ivana, pulling out fistfuls of her hair in a fit of rage, stripping off her clothes, then penetrating her forcefully without her consent, after which she hid in a locked room and cried all night, as revealed in the 1993 book Lost Tycoon: The Many Lives of Donald J. Trump, and described in a Daily Beast article. The divorce was granted on grounds of Donald’s “cruel and inhuman treatment” of Ivana.
-He is currently being charged with child rape in a case for which there is an eyewitness and credible information to support the claim. The woman filing suit in April 2016 claims that as a 13-year-old in 1994, she was enticed to attend parties with the promise of money and modeling jobs at the home of Jeffrey Epstein, a Level 3 registered sex offender (the most dangerous kind), after Epstein was convicted of misconduct with another underage girl.
The woman alleges Trump initiated sexual contact with her on four separate occasions, with the fourth being a “savage sexual attack” in which he tied her to a bed and forcibly raped her while she pleaded with him to stop. He threatened that she and her family would be “physically harmed if not killed” if she ever revealed what was done. The eyewitness, Epstein’s party planner wrote, “I am coming forward to swear to the truthfulness of the physical and sexual abuse that I personally witnessed of minor females at the hands of Mr. Trump and Mr. Epstein . . . I swear to these facts under the penalty for perjury even though I fully understand that the life of myself and my family is now in grave danger.” Trump told a reporter a few years ago: “I’ve known Jeff for 15 years. Terrific guy. He’s a lot of fun to be with. It is even said that he likes beautiful women as much as I do, and many of them are on the younger side . . .”
In sum, this history and these allegations alone would disqualify someone from a job as a camp counselor, bank teller, or any position of trust. Imagine what Human Resources would say to this record. Perhaps Trump could get a job pumping gas. But President of the United States? I don’t think so. Many have served prison time for doing a lot less.
Follow Melissa Bartick on Twitter:
it’s ironic that all of these allegations start off with ‘allegedly’? Wouldn’t that mean….NOT A SYLLABLE of it’s been proven yet? Unlike Hillary’s dead bodies of evidence that seem to be pooping up everywhere like a flooded graveyard. I, myself have for many years….actually my whole adult life, paid as LITTLE Federal Income (or any other) TAXES as I could legally get away with. I have not filed Corporate BK, but if it fit the situation, and was recommended by financial advisors and attorneys, certainly would have to protect my personal and family wealth and name. Women? Men? Those drawn to wealth and power are like moths to a flame….like groupies to rock stars; when rejected (often, not always) re-frame history in their own minds and after reciting same enough, actually believe the lie (on Both Sides of that interpersonal relationship). Nobody’s perfect, yet corrupt to the cells in one’s marrow, a radical socialist who wants to (continue to) transform America from a Representative Republic, with Democratic Principles, Governed by the Rule of Law scares the sane of us out here, to death. We supported Bernie, We may have even supported Cruz, Jindel or Other Conservatives who planned on breaking the system in their own ways (Cruz advocated dissolution of the IRS, DOE EPA and ripping apart of the regulatory state, Bernie would have broken up our nemesis, the MegaBanks), however Hillary’s in their Pockets, and seeks only to enrich herself, family and supporters while the rest of us are relieved of whatever wealth we have left, and utterly destroyed under the boot of tyrannical gov.org, run by our first criminally corrupt POTUS who even Al Capone could have taken lessons from. From Donna Brazille to Debbie Wassermann Schultz, to now even Bernie….the game has been rigged from the outset, for at least 1 party. God Help us All, and Trump’s no savior; I’m the 1st to say it. YET he has a glow behind his head like an ANGEL compared to HRC.
You seem to have forgotten that Donald J. Trump is headed to “criminal court” for his “criminal fraud case” on his Trump University scam which is far, FAR, worse than anything Mrs. Clinton has been falsely accused of!!!!
Plus, let’s not forget how he boasts he’ll make America Great Again yet fails to bring his thousands of outsourced jobs back to America, continues to buy all his hotel sheets, pillows and furnishings from China as well as Chinese steel for his buildings rather American!!!!!
Only blind American would vote for a real criminal as opposed to Mrs. Clinton who has been under attack for 30 years but all proved to be false allegations!!!!! Don’t be fooled, Vote Blue across the board, that’s where the corruption is located!!!!!
I haven’t forgotten. Really you think what Donald has done is far more worse than that of the security of this country with her personal server and classified information? My opinion is what it is and I have the right to have one. You have yours. Whatever is the outcome on Nov. 8th we all have to live with the results.
Pure deception like the banks have done to make us out to be deadbeats. How can people be focused on emails where nothing in terms of a national security threat or crime has been tied to Hillary while the Russians are hacking US to help Trump? How is working with an enemy government not a security threat? It’s treason!
How many American Warriors did Trump ALLOW TO DIE in Benghazi?
How many American Warriors FAMILY MEMBERS did Trump LIE to about a VIDEO Causing that Assault on the Benghazi CIA Compound?
How many Pakistani’s did Trump LIE TO in Commercials that Aired All Over Pakistan for Weeks After that Benghazi Slaughter of our American Warriors?
Did Trump have Susan Rice go on FIVE (Count ’em FIVE) Sunday Morning News Shows and Recite that it was a “VIDEO” that caused the Death of our Wariors (while they SAVED 39 others through their efforts, while at least in the backs of their minds, knowing there might be a chance they didn’t survive the rescue mission their Secretary of State had ordered them to stand down from executing)?
Is only BLIND America seeing what REALLY HAPPENED there?
Is only BLIND America smart enough to see that it was HER Policies that now have millions of refugees wandering the middle east, europe and even here, along with the entire region a total ‘cluster’?
If so, color me blind, as re-writing history is left to the victors, and Hillary Clinton is a murderer sure as I type this.
I’m going to try not to be too political on this thread, but for Hammertime, I’d rather have a shrewd businessman on my team than a down right criminal! And remember, this businessman is NOT the one under a FBI investigation, which BTW if you’ve not heard, is now re-opened. Criminal VS Businessman……? Not much of a choice there. And on the flip side, with all of her power she’s had why have we not moved any closer to an accountability for these banks, CEO’s, crooked Judges that has destroyed the whole theory of The American Dream? I can tell you why. They are all in the pocket of Hillary, tied to her foundation and she’s not going to rock her boat not for you, not for me, not for any American citizen.
Unfortunately, I only see 2 recent comments regarding politics and seemed light hearted from a reader’s perspective. Although your comment is somewhat aggressive, degrading and disappointing that you could make a judgment call from hearsay from what’s reported on a News station. Especially to folks such as ourselves that have experienced such criminal actions by fictitious entities claiming to own many of our homes. Such as Trump who publically admitted to taking advantage of our unfortunate situations buying up Real Estate. Last I heard Clinton is NOT a proven criminal yet and the FBI agent that requested the investigation to be re-opened is a known republican who supports Trump. The way I see it Trump is for Trump and been able to dishonestly utilize every tax loophole possible including filing bankruptcy several times, having a significant impact on those of us that are barely able to support a family and he again refers to this as smart business. Trump has NO integrity and the only boat he is going to rock is that little button to set off a nuclear war. I do agree we don’t have much of a choice however, I still have some life to live.
Please don’t take this wrong cause we live in America that’s the great thing. It’s okay, really, to have a conversation and agree to disagree. But commenting as if you have the last word in whos right and whos wrong, especially from someone such as yourself with a large presence on this board was somewhat disturbing. Ms. Swann you made the soapbox, we can’t all be like Trump and be set off by small triggers. Now I’m exiting the soapbox. and again please no I mean this in all good intent, just different perspective.
HRC will dismantle what’s left of our Bill of Rights, Constitution and Bill of Rights. She’s advocated for same since college. Why would she have a change of heart at 70? 650 THOUSAND Emails? Child Sexual Predators “Sexting” 15yo’s in front of their OWN child? A woman who made a CAREER out of destroying (further) the VICTIMS of Her Husbands’ Sexual Advances and Rapes? A Secretary of State who SOLD Favor and US Foreign Policy to the Highest (Foreign) Bidder? The Democratic Party Needs to LOOK in the MIRROR for Blame, as TWO of it’s Heads (both Debbie Wasserman-Schultz AND Donna Brazille) have been CAUGHT LYING and FIXING the party nominating process so that for the First Time in HISTORY, an UnIndicted CRIMINAL, under FBI CRIMINAL INVESTIGATION (THREE, not just 1….1 for Server and Emails, 1 for “Quid Pro Quo/Pay to Play, BUYING the favor of the SECRETARY OF STATE and US Department of State Favors for Foreign Policy, and Finally, Misappropriation of Funds via a “Charitable Foundation for Personal enrichment”….ALL AT THE SAME TIME?!?!?) Jeez; I step down from the soap box only pointing out that the Clintons have lived beyond the Rules since the Whitewater Land development Scandal in Arkansas, making $!115,000. on a $1000. investment in the cattle futures market (dozens of experts said that was ‘impossible’ for an ‘amateur’? ) to Vince Foster’s Death (former Clinton Attorney & WH Attorney who somehow levitated himself all the way across Fort Marcie Park getting not the first trace of DNA from the Park on his Shoes before Sticking a pistol in his mouth? YES, the LIST IS Long and could melt the servers for this website (just imagine, 650 THOUSAND emails that weren’t proffered when subpoenaed?) The stack of bodies and evidence around HRC has been piling up like cordwood all the way back to her self appointed position of bimbo-eruption suppression co-ordinator where she headed up the destruction of ANY person willing to even utter what had happened when her husband had assaulted another victim, going all the way back to being AG of Arkansas? Unproven Allegations? No, the coverup is always worse than the crime and we’re dealing with a serial socio-pathic egomaniacal, paranoid power freak. Everyone IGNORES the fact that a ‘private Server” was illegal and exceptional steps were followed to pursue ‘plausible deniability’. That plausible Deniability is founded on one hand, that mens rea (intent) was absent, and that HRC was IGNORANT of the technical aspects of violating the Espionage Act, classification and handling/preservation/protection of classified documents and ALL Government EMAILS. So HOW can the “Smartest, Most Qualified Person for the Office”….simultaneously be so STUPID/Ignorant of the LAW (as a LAWYER to boot?)? It’s simple….the plausible deniability goes out the window, the corruption is in FRONT OF YOUR FACE, and Debbie Wasserman-Schultz after having to step down from the DNC joins the HRC CAMPAIGN! Guessing that’s where Donna Brazille is headed next too? KEEPING a Den of CORRUPTION in the white house only guarantees more (and More and MORE) of the same. NO ONE has ANY FAITH in our JUSTICE System, right here, on THIS BOARD. DO You expect THAT to Improve by voting in MORE OF THE SAME?
If so, why?
I’m really trying to get my head around Your thought processes?
I would start by researching every name on your assignments from the time you bought your house. Make sure they have the original note and that they own it
Yes I am
Oh wow, I wish I had advice for you but I’m not that far. I have Little time left any advice? A lot of people giving me the run around.
Yeah the first one we fought for 8 years and now they picked a different default date different than the first suit. I have a sign in sheet that shows how many times they broke into my house The last time they left unsecured and my house was vandalized
Are you still in your home? I can’t afford a lawyer but Yeah there’s nothing left for them to take now. I’m out of here.
Wow a second foreclosure action on the same property? I am currently at the writ of possession phase however I had a robbery from the third party when my neighbors asked who they were they said we are from the bank.
I have to file a response to a second foreclosure action does anyone have any suggestions ?
Who are the banks, mortgage servicers, and attorneys?
Hillary Clinton’s relatives and friends.
Oh Bobby, you are so right. LOL!
With the Donald in the wings ready to do his shady business lol!
Anyone knows any case law that responds to non disclosure of a forged document to obtain a signed note. We were negotiating what it would take to get a new note signed in the negotiation they did not disclosed the forged notice of cancellation.
My case is in Orlando, Florida
What is the best and most cost efficient way to subpoena two robosigners for deposition, from another state? They work for same company, and should be in same office.
There is some serious fraud with how SLS (Specialized Loan Servicing) is handling my moms mortgage. Does anyone know of a lawyer in Southern California/LA County that has knowledge about the multiple law suits with this company SLS. If so please contact me at firstname.lastname@example.org
Linda Almonte Whistleblower – Blowing the Lid Off the SEC and CFPB and the Banks!
The black one. He seemed to understand the SOL rule
I just saw on the news last night that one of Floridas Supreme Court judge is retiring at the end of the year. That’s not good for us
Which Fl Supreme court judge is retiring?
Does anyone know if you can be forced to surrender rental property in a chapter 13.
Yes Angel. Chase is legalized mafia and they will nully u to the end. Stay tuff! Youve got the good people on your side.
There is no way to win until the due process allows jury trials!!
we are back on…..
w help from above and below.
sorry to have gone silent for months….plenty to update on….in time.
keep the faith and always appeal and/or go higher….
I am still fighting for me and for you…collectively.
We feel ya, been there, done that, going on 9 years now.
WF is Citi Is Deusche, Is JPMChase is BoA is….
they’re all scum and we’ll never do a dimes’ worth of biz w/ANY of them ever again.
We bank w/a credit union now, have a private mortgage (on a never MERS involved property),
and in our case WF sold away their standing (ADMITTING FRAUD in the Answer Brief to Appeal), almost 60 days b4 FSJ here in FL. The Court didn’t CARE. Who cares about ‘standing’? That’s a silly notion of the past that purported to give non-theives, an appropriate venue in the courts for recuperation of losses. Now our courts are a farcical semblance of their former selves, mere TOOLS of the greedy thieves who at no point will be satisfied until the LAST DROP of blood has been sicked from the former financial giant called the USofA, including both You and Me.
Good Luck with Your Appeal (and Plan on losing THERE too, because only will You enjoy the victory, IF You were Expecting the likely Kangaroo Court You’ll most likely wind up with).
CEO of Wells Fargo to be arrested in <60 days….. you were told.
Just the beginning….the very first drops of justice…. it is just us now.
I lost:(… they stepped up with a forged COPY of note only,,,,my evidence meant NOTHING,I have 30days & my home will be sold…..TRUTH,HONESTY,PROOF got me no-were…DEVESTATED:(
I’m filing an appeal…..this is BULLSHIT..NOT MY LENDER,NEVER HAS BEEN,JP MORGAN CHASE ARE CROOKS…,,WERE ARE THE GOV,OFFICIALS TO STOP THIS CRAP….I HATE,HATE,HATE CHASE……!!!!!!!!!!!!
@Jack that’s awesome! Did having secret service investigation put the fear of jail time in them?
As Defendants begin to win more of these fraudulent foreclosure cases, will Personal Injury Lawyers begin to sue for pain and suffering for Defendants? Contingency Fee represention would be affordable for us to pursue the banks for pain and suffering and for destroying our families.
I would like to hear more about defendants winning foreclosure cases, and the possibility of personal injury lawyers to begin to sue banks for pain and suffering?, on Contingency fee representation basis, and aggressively pursue the banks for fraudulent foreclosures
Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid. John 14:27, NIV
Dear Father in heaven, we thank you for holding open the way into our hearts and for bringing us the peace of Jesus Christ. Help us to keep this way open. Grant us peace in this tempest-torn world. Grant us peace when many struggles and uncertainties try to occupy our hearts. We have no strength in ourselves, only in him who is standing at our side and who will never forsake us, who lives and gives strength. His light will always break in anew among us. His light will shine on many people and lead them to the promised day, the day that will bring all our hopes to fulfillment. Amen.
STAY STRONG! He’s with us!
“If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered.” – Thomas Jefferson
“For the word of the LORD is right; and all his works are done in truth.” – Psalm 33:4
You are exactly right. I think we all should make a copy of a 100 dollar bill and say well I made this copy of it but now I’ve lost it but here’s a copy for me to spend. That’s exactly what they are doing. The layer for Chase kept reporting to the court that they could produce it at anytime but never did. Now at my deposition their attorney tried to introduce a copy of it and my attorney objected. Fun thing at the end he asked was I prepared to pay this in full today. So asked him how much was it He fumbled through his paperwork and said I don’t know. My response was then I can’t answer that question. He looke puzzled. I’m thinking to myself well if it’s a dollar yes Lol !
Wow this is so informative, I just received a 60 day extension to stay in my house with no further continuanc ES. I’ll leave but I am learning more and more here in PA
my name is Krys came up as Figh
If the “bank” can use copies of your promissory note and mortgage/deed of trust to steal your home, then the homeowner should be allowed to copy $100 FRNs and pay off the loan. We all know who would be arrested. In most foreclosure cases, the bank never submits the original loan instruments into court, because they do not possess them. There is a good chance that the bank has already been paid either by an insurance claim or the selling of the mortgage into the secondary market. If this is true, then it is the lawyer that has purchased your private information (illegal) and is trying to steal your home. About 5 years ago, we tried to get a Bill through the state legislature that would require the banks to produce the original instruments before proceeding with foreclosure. As you can imagine, the banks sent their lobbyists out in droves. At one of the hearings, I heard a lawyer/lobbyist tell the judiciary committee that the reason that the banks were against the Bill was because it would be too expensive for them to produce the original instruments, because most of the original instruments were held in a vault in New York. (I understood this to mean The Federal Reserve) Since a mortgage/deed of trust is a security, making a copy of a security (counterfeit security) and trying to exchange it for property of value is a Class B Felony. See Title 18 USC 474 I went to the court a few months ago and got certified copies of my promissory note and mortgage from the court file. (It is illegal to give a certified copy of a security) What I got proves beyond any doubt that the court used a counterfeit security to grant a foreclosure judgment. So who is guilty of counterfeiting? The credit union’s lawyer? The court clerk? The judge? Or all of the above? We have contacted several Secret Service offices around the country, so far all of the Agents spoken to agree that this is a major counterfeiting scam. So have some fun and call as many Secret Service offices as you can. See also Title 18 USC 472,473,474,474A,475,492,493,494 Another thing to consider is credit default swaps. Have you seen the movie “The Big Short”? My loan(s) coincide exactly with the movie. The person that started the action against me, has a classmate that is a VP of Goldman Sachs in San Francisco, right where the movie takes place. At 30 to 1 odds, he could have made $7 million. Do you think that is enough incentive to steal both my business and my home?
A foreclosure fraud group here in Santa Barbara created a way to make a tender offer to the bank. In my case, I thus forced them to produce for examination what the bank claimed was the original promissory note and DoT. The bank’s lawyers had no idea who I was bringing to examine the docs for authenticity. The docs were pretty good forgeries, but my expert took three hours for the exam with hi-tech equipment, and their docs were found to be obvious forgeries. The bank and their lawyers knew it and never asked for the tender. Interestingly the only law enforcement agency that would take on an investigation was the Secret Service.
Our politicians should have to read these blogs everyday as part of representing their constituents. I know how you feeling Angel. On any given day, i feel that way myself but please don’t give up. That’s what they’re counting on I never want to give the bansters anything else, ever again. We’ve already given to them, now it’s our turn.
I won’t ever give in to this 🙂 I get knocked down but always get back up,,,I would never harm myself but I sure do know the ”lost’, feeling ,frustration is an understatement,,,I have 100% disproved all chases claims,now they’ve created a new default date,,NOT the bogus default date that started this &landed me in foreclosure…would say how is this legal? But its the banks,NOTHING THEY’VE DONE IS LEGAL,so I fight on:-)
Then Jesus said to them again, “Most assuredly, I say to you, I am the door of the sheep. All who ever came before Me are thieves and robbers, but the sheep did not hear them. I am the door. If anyone enters by Me, he will be saved, and will go in and out and find pasture. The thief does not come except to steal, and to kill, and to destroy. I have come that they may have life, and that they may have it more abundantly.”
I’m trying so hard to remain positive,I’m fighting the worst EVIL entity..scum bag lying law firms,& no matter the proof of all the deceptive actions,forgery,altered EVERYTHING…I’m coming out as loosing….I see why people blow their brains out….I wish all y’all peace..:(
I live in Broward County Florida, and I got my foreclosure case dismissed, and I was awarded all my attorneys fee’s
On what grounds. This my private email I would like to look up your case. Kenelad@aol.com
Thank you Ben! I am sure I will get attorney fees. I was excited years ago with BofA vs Nash, where she got done, but it appears that it was overturned on appeal.
I was hoping that when the case is dismissed with prejudice, I could get attorney fees and then go for damages for the pain and suffering of 8 years of hell for my family with the fraudulent foreclosure. Numerous of big banks and foreclosure mills involved in this crime.
Bryan Bly was told by the court you could not initial that you had to sign by Florida law. I just found this
Imo as long as their seal is on the doc. I would think it would be fine but i would also think any doc that is notarized by same should be consistent in the way they sign
I have a question since Florida requires the notary to sign for the notarization if the initial it does that make the document null ?
Well good luck getting heard under 1.54 fl statute. I went back to broward county courts after all the fraudulent docs and errors albertelli made on my foreclosure. Watch out. I filed wellwithin my year to file and albertelli stalled me saying they did not have my file on court day and got it continued until after the 1.54 no longer applied. Scumbags. I figure all their incompetence is still in court file and i am praying for the day i can go back and sue the hell out of that crooked law firm.
If the court has been inveigled by a fraudulent document, there is no statute of limitations.
Do You have a rule, or case law in support of fraudulent documents inveigling[sp?] the Court negating the SOL? Wouldn’t that also fall under Fl.R.Civ.P 1.540(b)1 thru 4?
hi kent many of us are fighting that long. we are going on 8 years. very sad to watch your house being stolen. i have some usefull info i just found please email me at email@example.com. not sure why i didn’t think of it at first. about the SOL. a lawyer told me that the SOL starts when you make your last payment and they have 5 years from then to start a lawsuit the rest i am not sure who is right……….if they start a law suit and it is dismissed the sol goes back to the original date but if they start another lawsuit it starts the sol all over again????? that crazy.
I tried to email you and the address doesn’t work so here’s mine firstname.lastname@example.org. The argument in front of the Supreme Court is that every missed payment restarts the clock but it can’t. Once the loan is accelerated with no dea celebration clause in the mortgage the sol remains in place. Well that’s at least the argument
I had a foreclosure back in 2011. Does anyone know how to request a review to confirm it was processed legally? I would like to know if there is a way to remove the foreclosure from my credit.
I live in Pennsylvania and I have had several lawyers but no one actually helped also had a housing counselor in the beginning now have to leave in less than 21 days. I tried to stop from being put out but now nowhere to turn. Does anyone know any solutions or advice thanks.
its not that its void. i am not a lawyer and not giving advice but foreclosure defense lawyers and pro se use that fact as an affirmative defense to dismiss the case. most cases are dismissed wtihout prejidice which means they can refile (in florida they can refile for 35 years how nice) so it is not necessarily void but the assignment has to be filed prior to filing suit. please defend. if we do not defend and walk away they lose. if we fight the foreclosure machine we can win. great book http://www.fightingtheforeclosuremachine.com/ftfm-estore.php
Oh, I am defending! For the past 8 years… All the BIG BANKS are involved. A couple of Fraud closer Mills and infamous thieving Law Firms. It will be a joy to name names in the end, as they have ruined our lives ON PURPOSE!
Thank you to everyone at 4ClosureFraud, LivingLies, and Chain of Title, I have a PhD in foreclosure fraud!
I live in Pennsylvania and had two lawyers no one actually helped now have days to leave. Do you have any advice? Thanks
I also read the book My case was dismissed last year and we haven’t heard anything since. I guess everyone is waiting on the Supreme Court ruling on the 5 year statue of limitations I was just on an attorney blog with live chat and asked about damages and the response was they would need a 50,000.00 retainer. I just about fell over. So if uses when the time comes I will fight them myself since now my wife and I both are on disability. I forgot to mention a year ago in February she tried to commit suicide
If a foreclosure is filed, but the Assignment of Mortgage is dated 11 months after the foreclosure filing, is the Assignment void?
1-The Assignment isn’t ‘void’, merely void’able’.
2-When You say the assignment is DATED 11 mos. later, is that the DATE of the Transfer, noted IN the Assignment, or the date recorded, ON the assignment (as noted by clerk of court)?
3-As a dual FC Survivor (1 lasted 8 yrs, current entering 7th), I salute Your fortitude, and will tell You, HOW they look at Your AOM depends ENTIRELY on WHERE You are. in D.O.T. states, they tend to blow it off as the DEED trumps everything else. In Florida and most other mortgage/lien theory states, You MUST:
A-Challenge the Assignment during discovery/hearing/trial(& Have plenty of case law)
B-File Motion to Dismiss for lack of standing (whether the document transfers the mortgage to the Plaintiff on a date BEFORE or AFTER the initial Filing, based on the RECORDING Date) & just know…about 80% of the trial judges in Florida will STILL Rule against You, even when Your evidence of a ‘faulty’ assignment is overwhelming.
Remember, the system is RIGGED. You ARE going to lose, so the best to hope for is preservation of objections, issues and evidence for APPEAL.
See (at least in Florida), even in the Courts of Appeal, the odds are dramatically stacked against the pro se defendant/appellant. The RULES alone are entire semesters in law school for the JD’s. Also, MOST if not ALL of the Judges, in (Circuit/District/Supreme) All Courts, are nominated. The NOMINATING Committees are weighted (Dramatically) with BANK/Plaintiff Firm JD’s who are Picking their Future Judges. The Current (& Thereby Future) Judges keeping the benches warm in Fl. as an example are more than 78% FORMER BANK/Plaintiff FIRM Counselors….which means 78% of the time You Are DOOMED, before walking in the room. They absolutely WILL NOT rule against their former employer firms or their clients…ain’t gonna happen. When using an attorney (as a rule, $5-$10k) for Appellate work, Your odds double in Your favor for prevailing….up from less than 4% to just a hair under 8%. The other 92-96% get ‘PCA’ed” (per curium affirmed, where they tell You, You screwed Your own pooch, and we’re not even going to tell You how, or why…there IS No Opinion,and You have nothing left to challenge).
Govern Yourself Accordingly, and realize that 80% of the time, preservation of error, regarding that bogus assignment, Still won’t get overturned, even at the district courts of appeal. Like I said….the game is rigged. They can’t be happy winning 90% of the time….it Must be as close to 100% as possible, at any cost.
Good Luck and may the Force be with You.
Ask anyone who knows about law and the court system in Miami Florida and they will tell you that our brand of judges and their judgment is unique. Far beyond that of any city or state in the union. Here is a minor overview:
1. Judges here are well known and involved in taking money for results. Some doing it for more than 30 years later.
2. To ascend you must be discrete in these dealings while willing to openly destroy anyone that dares stand against giant law firms like Carlton Fields and Greenberg Traurig.
3. Giant corporations are always able to get away with anything they want and demand.
4. Vindictive retaliatory plots here are at play at all times and the victims have the doors to justice shut in there face.
Let me give you an example, mine:
1. Grandson of a former judge and son of a former developer who also became a developer I was anti corruption. A novel idea for a boy raised in some level of comfort. Illusory comfort. When I grew up I realized our finances where like a deck of dominos about to collapse and my daddy had to pay everyone off even when he could not afford it, in order to survive while indebting himself.
2. I stood against bribing bankers, building inspectors, commissioners (one is now the clerk of the court and has been for about 25 years, wow the voters love him? or the ballot is rigged?), mayors and judges. Our State Attorney does not presecute these persons or even answer our calls to do it. Her father was my dad’s business partner and owned a key on the way to key largo. I had a lot of respect for this lady until I realize she wants nothing to do with my cases which call for prosecuting white collar crimes of politicians, lawyers and giant corporations. Funny, she continues to be reelected and has been in office for about 25 years. My reputation of anit corruption spread cutting my business life short.
3. As an example of two disputes I have fought:
a. My home was burned to the ground when I decided to ask for permission to occupy it with elderly residents in a non ambulatory environment. Just homes for the aged. Just like one neighbor rented rooms, another had 12 family members etc., I wanted to be allowed to have a nice environment for the elderly which I felt a passion to care for. All I wanted was to allow them to live there instead of just regular families which the city allowed 6 homes for. The young gay man standing up to the powers at be looking for votes was met with opposition that was unintelligent uneducated and for the most part did not know what I intended to do. I was even physically attacked by one lady and could not defend myself against her as she was a lady and that would not be tolerated in our Cuban neighborhood. I was defeated when the fire struck and the city actually connived and contrived with insurance investigators to scare me and shut this down thru delays. The insurance company was AIG division called Lexington Insurance. The most dishonest property insurance company I have ever heard of. Officer Lake of the police in charge of the investigation would not do anything inappropriate and so he had to retire. He was scandalized by what years later he confided in me he was told to do by the insurance company working with non police city officials. But when I called to report their misconduct he did not answer my calls. Eventually in court a great judge left the case without stating a reason. A insane judge who was later discovered to be on Lithium and Prozac took over the matter and dismissed the case. I was warned she was the one assigned to destroy the cases thru an order no one would dare put their signature on. Since she was crazy the judiciary would assign cases to her and she would be told what to do. On day one without an attorney there as no one wanted to stay on the case with her present, she warned me that she could not only dismiss and enter an attorneys fee sanction but she could do many other things if I did not accept the settlement offer made to “get rid of you”. Weeks later she dismissed the case. She was the perfect patsy. She was crazy. My former partner, a doctor told me she would not live long given the medications she admitted taking during a law suit by a lady involved in a divorce. She always sought to help the husbands and took it out on the ladies and earned a reputation for this that landed her in the news papers many times. This judge died years after dismissing my case while in her 60’s. Before she passed she did the perennial trick done in Miami, stopping you from going before the jury ever thru a motion to dismiss the judges grant. How was the perfect judge meant to help them put on the case? The clerk says we have a random system that randomly assigns judges. That is not true. I have witnessed first hand clerks in putting the case number again and again each time getting a different judge and stopping once they got the judge they wanted. I appealed but the court of appeals did nothing. Even after I discovered perjury and a bribe paid to a witness, they did nothing. Then they claimed I should have raised this during the prior hearing. How could I if I did not know of it and this is basic law. Fraud discovered later requires they restart everything. In Miami and in Florida in general you only have one appeal and that is it. I level. I was stuck. In defense of these judges, audio recording made by a PI I hired show that these judges are never at work. They drive in about 3 days a week for a few short hours yet get paid for 40 hours of work. Shortly after my case was over my career came to a close and I ended up in bankruptcy and lost everything. Once an honor student, with a masters in finance at 20 and 300 homes by 23 I ended up with heart disease and working as a sex worker. Something that I fear is to embarrassing to talk about.
b. While that case was going on my bank on my new home I was forced to get a loan to buy decided I had not paid my mortgage and filed for foreclosure. I was not in default. I had made my payments and they kept loosing them so finally I sent them via DHL, stuffed in by a Notary Public who attested to this and where made via bank cashier’s checks. An amount equal to 6 months worth of payments. But they still claimed they did not receive the payments. I was lucky to find one attorney who frustrated was retiring into being an ethics teacher and would help me. But he only appeared twice in court. He did yell and scream at the bank lawyers threatening to report them to the bar they admitted receiving the money but then said the checks where without funds. The bank which issued the checks responded that the money was set aside for these as they do with all cashiers checks and the checks can be deposited. The lawyer, a typical Miami lawyer except for his great service at two hearings, continued with his teaching career while dealing crystal meth to the gay community is South Beach. Trial came 5 years later and days before the checks where mailed to me which I cashed. Proving the checks where good. At trial the judge ignored this. In fact he started by asking who the lead attorney was, the famous well connected Marshal Watson, who has since lost his license and gotten into a lot of trouble for fraud that ran all over the new wave of foreclosures in 2008- . When Watson identified himself the judge told him on the record that had Watson not thought he was such a big man and had returned his calls he would have shown him how he could have taken this house in a few weeks instead of a few years. Not only is this one on one communication without me present illegal but it also signaled I would loose the case. I had to file bankruptcy to stop it during a lunch break. In the other court system, Federal Bankruptcy Court, still unjaded as they are now, I got a solution, made some payments and got my home paid thru a sale to another person. I had no choice and no longer wanted to be a target.
But now years later, after a hurricane and sale of the home to a bank insider at BankUnited FSB, the home was resold and I still am owed some money. The bank who agreed to a joint venture on the damaged home with my money as the only loan, fabricated a fake mortgage and claimed it had priority before mine. This was key when the market collapse came. Even after being restricted and shut down thru another case in federal court where they got some money, the FDIC restricted these same lawyers pretending to represent this bank from continuing to try to take the home away. This bank claimed that the damaged home was the subject of a conventional home loan and had no damage despite insurance payment of $200,000 for damage, photos and more. And despite a joint venture agreement and no signature but only a forgery on the note they presented. Worse of all they continue the foreclosure process despite the FDIC federal restriction. This fight has been going on now for 11 years worsening my heart disease. The title has been granted to the bank. This is so crazy that I sued the new bank that claimed to be the owner of the note and mortgage while the process was going on and they came back and said they where. While at the same time the other case continued on with the old bank claiming they where the owners and later they even signed an assignment over to the new bank, years after the new bank claim din my case to be the owners. Its a shell game and what the judges say to all this? Its to confusing and give the bank what they want. The main judge was counsel for infamous murderer drug dealer and my competitor in the building business (we he used with the judge to launder money), Leonel Martinez. Martinez was arrested and the judge ascended thru his clients contacts being nominated to judge before the arrest. Good security for his client. He sat in office for about 20 years. See Dirty Money article in the New Times archives. The judge lives off loans from this very bank and others.
c. In another case a broker for Meryl Lynch admitted to lying to me causing me losses of $250,000. A hearing was held without notice to me except notice to come in one afternoon when the hearing was held in the morning. When I came I had lost. Of course no court reporter was present and the judge did nothing even after I told him to help me. Without a record of what occurred at the hearing, even assuming the court of appeals was honest, the appeal was impossible.
This is just a small example of how you are buried alive in a system of corrupt judges not found anywhere even in Panama or the most corrupt places in Latin America but right here is the US. It is sad how so many come here from Latin America to look for justice only to find corruption. Beig honest here does not pay. I married a Norwegian and moved away. Now divorced and with aging parents who refuse to leave Cuba land, I am stuck like a dog in a tiny cage without food or water. For me it is probably too late. But if you want to investigate these players I can help you and maybe we can stop them once and for all. But please do not let some pretend federal investigators f…. things up like they did once before where most judges got away with no time in the one isolated instance they decided to pursue them. Operation Court Room Sweep.
Yes, it is a violation of securities laws. It’s also a common violation of securities laws. The commoditization of mortgages and removal of property records from county agent has led to extensive fraud in America, including most often fraudulent representation of PETE, the Person Entitled to Enforce. We have a case on appeal here in Cameron County TX (seven years in litigation) on exactly those grounds, where an admittedly sleazy attorney (BBDFTE, llc) is presenting himself as both the PETE (Plaintiff) and the Owner’s Trustee (Defendant). They stay up late at night negotiating with themselves, and earn some generous fees. It’s quite complex. Since the judges, bankruptcy trustees, SEC regulators are all part of the scam, the battle is uphill for the owner who cuts the grass, repels thieves, and pays school taxes, and generally some technicality results in a forced sale. Here in Texas the average is 28 days. The only advice I give people now (and I’m not an attorney so I only give advice, I don’t sell it) is GET A JURY. GET A JURY. GET A JURY. BURN DOWN THE TOWN…. 🙂
I am in florida it is just as bad. we have a new foreclosure law from 2013 that the note has to be certified by penalty and perjury before a foreclosure case can be filed. but te judges are looking the other way. then when you bring htis fact up they do not dismiss cases they blame it on procedure error???? what??? state statute is clear what the certification is suppose to say . there is no messing with it. feeling sick about now.
Dangeroos and everyone else out there,
I just read that in May, the BofA vs Nash decision was reversed, and no attorney fees or damages were awarded.
Does anyone know of Florida foreclosure cases, where damages were awarded for the Defendants of fraudulent foreclosure.
and…read Chain of Title if you haven’t already. Amazing book that helped me and my attorney realize I am not crazy!!!
I can sign as an attorney in fact for you, if you are inconvenienced. Of course, I could go to jail if I use my attorney in fact masquerade to steal money or property. Fo banks, this leads to the odd situation occasionally of the same party appearing on the foreclosure as both plaintiff and defendant.
Inside a pooling and servicing agreement, or a collateralized debt obligation, there is no such status as a performing or unperforming mortgage. All individual collateral obligations are surrendered by the underwriter on formation, and all components must be in hand within a limited time period, such as 30 or 60 days. From that point on, either the entire asset is solvent, or it is not. Either the entire cash flow is being produced and paid to the investors, or it is in the hands of the bankruptcy trustee and no longer exists.
Thank you Dangeroosdave!
Here are the details: I have been battling a fraudulent foreclosure for almost a decade. Many of the big banks are involved, as are a couple of foreclosure mills. They have played all of the tricks of “recreating” a chain of title. The latest one is a new bank “ABC Bank” has stepped in as Trustee for “ABC Trust” and they assigned the Mortgage to themselves, as “Attorney in Fact” for a non-related party who was fraudulently pretending to own the Mortgage and Note. This was done to continue the smoke and mirrors of the chain of title.
My question was, can a Trust assume or purchase a mortgage that they know is in default and has been in default (non-performing asset) for almost a decade? I thought I read somewhere that that was a violation of securities laws. If so, it is just another fact that we would like to present to the court.
imo a bank can sign their rights over to themselves if there are multiple entities within their organization, but it is a disguise and they are hiding or covering up something but probably it is a stall tactic to get themselves together to better defend themselves. Everything these banks do is to cover their fraudulent tracks. dates are important, reconcile all your paperwork to the mortgage. sounds like you are being scammed as the rest of us are.
Do believe in Florida they only have one year to refile from the date of the voluntary dismissal
1) Can a bank sign an Assignment of Mortgage to themselves (Assignee), and sign as Attorney-in-Fact for the Assignor, without the Assignor signing the Assignment?
2) Is it true that a Trust cannot take-on or purchase an asset (Mortgage or Note) that is not performing and is in “default”?
please check http://www.msfraud.com
that could easily be used as a defense i have seen some wins in florida because of an incorrect address it might work in NY. hope you have a lawyer or are going to fight pro se?
I know this is strange question but has anyone run into incorrect zipcodes. I know it seem trivial and a basic error, however what happens when you trance your loan back to the trust and the zipcode is wrong. It’s as saying your property is on 5th ave when really it’s in Harlem(New York). I would have let this go but the mortgage statement has the correct mailing address but incorrect property address all on the same statement. To add insult to injury I also have 3 different mortgage notes and two assignments signed by different people for the same property but different note. All notes have wrong Zip Code. I was also able to find my original signed mortgage documents.( they were almost impossible for me to get my hands on) I was also able to find out my loan originator used someone else’s financial information to approve my loan.
I know this is strange question but has anyone run into incorrect zipcodes. I know it seem trivial and a basic error, however what happens when you trance your loan back to the trust and the zipcode is wrong. It’s as saying your property is on 5th ave when really it’s in Harlem(New York). I would have let this go but the mortgage statement has the correct mailing address but incorrect property address all on the same statement. To add insult to injury I also have 3 different mortgage notes and two assignments signed by different people for the same property but different note. All notes have wrong Zipcode
Happy Independence Day!!!
I have a JP Morgan Chase Loan #, internal Commitment #, and internal Reference #. Anyone know how i can find out if my loan was securitized and bundled, in a simpler manner than the secinfo.gov process? I will buy you a copy of “Chain of Title?” if your answer works!
Anyone heard of a Johnny Nguyen? Wells Fargo bank witness?
Sounds familiar. I’ll check some of my files.
Sorry on small phone Portland, Oregon.
I am fighting LNV MGC-Dovenmule for six years now some wins mostly losses I need a real lawyer in Pietland Oregon fast who understands fraud and I mean fast. Any body know whos real my last attorney took tons of money and did zero.
Hi I know some people in Washington state and I know someone in Oregon please post you email address and I will give it to them for you. Ps if you don’t want to use your regular email please create a new one with yahoo or Gmail ok . I understand I have been fighting since 2009
Anyone have a foreclosure case involving robo-signer Candace Gallardo of PHH Mortgage?
check out the website mortgage servicing fraud
Thank you! Candace wears many hats… Anyone have any dealings with William “Billy” Bellows of PHH Mortgage?
Candace might want to get a lawyer soon….
How does she look in orange. What about Billy?
I live in L.I. NEW YORK -I am in foreclosure since 2007 – are there any good pro-bono lawyers out there?? I have just defeated banks motion for summary judgement! I truly don’t know what happens next. please help if anyone can. thank you for reading
Not sure if this firm will do it pro-bono but they are one of the best in the state.
Call The Law Offices of Robert E. Brown, P.C. at (718) 979-9779
Down in Cameron County we had the bloomberg audit recorded by the property clerk (103 pp.), to offset the fraudulent document created by BBDFTE trying to be a PETE. The proper place for for property records is in the clerk’s files. Naturally, one document is fraudulent and someone needs to go to jail for five years but that is for the US Prosecutor to decide. For dividing up money that is for the jury to decide, which fact is truthful, and which fact is fraudulent. If you judge is making such decisions, without personal knowledge of the facts and issues, that is just another error. Appeal it. 🙂
Can anyone tell me if a Bloomberg audit is admissible in court?
I had the audit done in my California case and even brought the witness who conducted the audit and the Judge refused to allow his testimony or the audit to be entered!!!! The banks are being allowed to fraudulently steal our homes and the judges are permitting it to be done! You cannot demand a jury trial, you must bring in your own court reporter, which was nearly impossible to even find and my judge cleared the courtroom so people couldn’t witness the wrongdoings!! It’s the worst crime to ever be perpetrated in US history and the DOJ, CFPB, FBI and the OCC are doing nothing to stop it?? I lost 2 homes because the banks have convinced lawmakers that they really are Too Big To Fail…..
Are you kidding me? When did this happen? What was your final outcome? Thanks fir the input
I’m a real estate agent in SW Florida and have seen lots of very egregious stuff. Is anyone here familiar with the addition of LPMI by the bank, AFTER CLOSING. Like 1 year and 3 months later??? I discovered it last year and BOA admitted in writing to the CFPB they had done so, as if there was nothing wrong with that. To my knowledge, nothing was ever done. Because you would never know if this policy had been placed on your loan until you try to refi or sell (or in this case short sale), I suspect this will be the next big wave of fraud, in place since 2006+ with untold numbers of mortgages affected. My research has turned up very few cases like this but experience has taught me if the bank can make money on it, they’re doing it. All behind the scenes, telling no one and laughing all the way to the bank. Only in America can banksters break our laws and not go to jail! #WhoDoYouCallWhenTheBankRobsYou
Does anyone know of any federal cases in which the TILA 1640(e) SOL was equitably tolled in favor of the homeowner? Appellant decisions denying the use of the the 1640(e) against the homeowner enabling the homeowner to survive Motion for Summary Judgment or Motion on The Pleadings would be most helpful. Thanks!
Here’s a case pf how NOT to plead it and report with possible references; I’m looking into this as well
“Finally, both TILA and RESPA are subject to equitable tolling, which suspends the limitations period until the point in which the borrower discovered or had a reasonable opportunity to discover the violations. See id; Merritt v. Countrywide Fin. Corp., 759 F.3d 1023, 1036 (9th Cir. 2014). Here, equitable tolling is not appropriate. A party seeking equitable tolling must establish: 1) a diligent pursuit of their rights; and 2) “some extraordinary circumstance that stood in [their] way.” See Pace v. DiGuglielmo, 544 U.S. 408, 418 (2005). While providing evidence of defendant’s general wrongdoing nationwide and correspondences between the parties relating to loan modification, Plaintiff has shown neither a diligent pursuit of her TILA and RESPA rights nor extraordinary circumstance. See Lien Huynh v. Chase Manhattan Bank, 465 F.3d 992, 1003-05 (9th Cir. 2006) (finding equitable tolling not applicable when the plaintiff held all information required to bring their claims earlier and the alleged actions of the defendant were not “unusual,” or “special”).”
Good overview of TILA, Dodd Frank related cases
No Bobbi, I’m an independent that leans conservative. (not democrat or republican). Unfortunately there isn’t a conservative left in the race so I’m looking at the Libertarian candidates now. Yes, you are correct, both candidates (and parties) are as crooked as they come. Bill Clinton let glass-steal get repealed, which allowed banks to start gambling with our savings. While republicans (directed by bank lobbyists) slipped the measure into the bill at the last second. Now, Dodd-Frank is slowly being eroded and banks are back to their financing tricks.
I have faith in none of them. Hillary is as dirty as mafia hit-man and you can trust her just the same. While Trump just says one stupid, reckless thing after another, and has shown absolutely no temperament to try to learn the things that he doesn’t know… and he doesn’t know anything. He has a chimpanzee-level understanding of Geo-political and national security policy, I’m convinced he’s a petulant man-child with Borderline Personally Disorder (BPD). IMO! You can’t piss on my leg and tell me it’s raining like he tries to do. Yet, that doesn’t mean he will be any better or worse than Bernie or Hillary. Just has to be held accountable.
I’ve learned that we, as voters, get the leadership we deserve. We are all on this blog crying, kicking, screaming about injustice, while steadily going broke trying to save our homes. Why? Because of the decisions we made when electing our leaders. We can’t fight this battle alone Bobbi. Banks WILL start buying our politicians (to change the laws) if they can’t win in court! So, who we elect is very important and should be discussed here, with RESPECT to everyone’s right to decide for themselves. Bernie says he can / will change the banking system, but offers no ideal exactly how he will.
This system was screwed up decades ago, by both parties. What’s demoralizing is that Obama did nothing to the banks (or Bankers) when he had the golden opportunity to revolutionize our banking system, and send a message. He chose to tow the line and just “get the bus out of the ditch”. So, again…we get the leadership we (vote for) deserve. We elected him, Bush, Clinton, Reagan, Newt, Schultz, Bondi, Scott. Basically what I’m saying is that it doesn’t matter who is elected if we don’t hold them accountable. Pam Bondi (Fla AG) got hundreds of millions of dollars from the banks for Florida homeowners in distress. Where is it? Has anyone seen a dime. Has she disclosed where the money is / went?
The Big money/ people/ families, behind this banking system will always try to control this country by controlling the politicians. It’s our job/ duty to fight them. Let’s not get caught up in Clinton, Bernie vs Trump, as that’s just a media driven distraction to keep us from focusing on the real problem. THE BANKS!
” I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around [the banks] will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.”
Thomas Jefferson, (Attributed)
3rd president of US (1743 – 1826)
Hello Bruce I am a 100 percent disabled veteran near Portland oregon. I came to same conclusion. Perhaps you k or about the veteran hsbc whistleblower in Damascus oregon. I talked to his attorney who might be able to help you. My sit rep is with Chase. Here is my email if you want to contact me David F Black. Blackvan@hotmail.com. the story about hsbc appeared in the Vancouver Wash
About ten days ago. The case was filed in federal court. Not sure of which one.
It does not seem this blog does not print very many if non at all for followers to read and see commnts if ay on thier reports. I know I have sent several and not yet seen anythind. I am a 77 yr old disabled vet and direct OCWEN/HSBC?AHMSI to the rune of osing some $300k to teir fraud for failure to prove interest/standiing. The did not matter to the Fed Dist Ct Judge brown in Portland, OR. or apparently to this blog. Sorry to bitch but I am wounded with no recovery in site.
Not telling you who to vote for !
Tonyp – I read this article and for what’ it’s worth ~ this author isn’t even a reporter; he’s a blogger. No college graduate with a degree in journalism; just his own opinion and a Democrat at that! There’s enough ‘scandal’ on the Hillary side to fill a 900-page book! No one person is perfect and I don’t believe the citizens of this country are looking for such a person. Hillary has been ‘involved’ in similar financial disasters and she certainly does not have the greatest track record in her current position and even that is still an on-going investigation. Trump doesn’t ‘belong’ to the banks and as far as cheating people, both candidates are guilty. I can’t name one single ‘honest’ Congressperson or Senator in either the Federal or State level. It’s obvious that you are a Democrat as well, but this site is not the forum to debate the political arena for presidential candidates. We are looking for solutions here that will benefit us as a whole for fraud against the whole of the country. No running presidential candidate at this point can fix those wrongs now.
Do you take on guest blog articles?
SOL may not be a solution here in Florida There are several of us waiting on the Supreme Court ruling
Con u file in federal court based on rule 60 which is similar to Florida statute 1.54? Can someone answer and if there are any Florida attorneys listening pls reply. I am interested in filing. Thks
that’s right palm palmer, no justice here in broward cty, florida. theft is legal imagine that!
That should be on the court record. Finding out anything after that I have yet to find or even have answered here. They keep open the door for deficiency judgements and if you have cash in savings they will garnish but many have at least so far or yet not been getting hit for deficiency unless you stripped the shit out of the house and pissed the good ole boys off which makes it hard for them to unload or do whatever they are actually up to with stealing all these homes maybe for the refugees or maybe its greed.
Monitor the MLS for your house to go up and hope some brain dead young slave millenials that does not have a parent with wisdom or a son of a good ole boy and his nice new wife become the next set of slaves to move in, poor kids.
Now cancellations of mortgage you will get a tax 1099 or like document or have to go in person to the hall of records usually to find out at least by me because your a loser now they had to sweep your stolen home under the rug to keep their pensions and the good ole boys fed and on the payroll. Online access is for the elites and too much data entry to make us losers life easy.
Its kinda like an airplane the lady calls boarding for the first class, priority, premium gets access to premium overhead space for luggage but your in group 5 now you board last (and get off last) wait get all the way to your shitty seat no leg room and the overheads are filled so you gotta go back out check your bags go back to your seat with the big fat stinking guy who farts your whole flight and your arms sore from holding it in all flight and continually adjusting the fan hole just right to blow the stink from your nose just right. You may hope the plane just crashes but I move my hope to the first class elite vampires to be exposed and brought to justice. Or wish I had went into CC debt upgrading to the varying scam seats near first class but 3400 for a first class ticket an hour trip is insane. We are slaves to the matrix of everything.
Ok well lol sorry but vented a lil.
Did anyone read Neil Garfield’s blog on Friday. Angel I hope you did. It shed a lot of light on Fannie Mae. I have tried to post on his blog today and it appears that the comment section is closed because I cant post. somebody really let the cat out of the bag perhaps. The truth is getting closer all the time. Lets keep the post coming everyone. The Truth needs to be heard!
Yes. I have the originals that I received at closing showing acct # on each page of note and mtg and recorded mtg showed acct # but the note and mtg produced at trial and in the court file are erased so somewhere down the line after it was recorded, it was altered to not show the acct #.
Angel it appears our govt is the the one defrauding us. Ur situation is the complete opposite of mine. U bought from Fannie and chase is trying to claim ownership and I bought from chase and Fannie is claiming
To be note holder. Raises a red flag with me. They hide behind each other to put us further in the deep dark of their shell game.
Agree:-) I have ORIGINAL note,mortgage,special warranty deed, & I’m the ONLY one with the ”originals” in my case,,chase created bogus default claim,Freedom Mortgage made claim to Fha for pymt,,Chase is trying to step up as owner/holder with forged sloppy copy’s of note,& their chain of custody is NOT same property I’m in foreclosure over,its to a home in different county,its a FARM on 42acres,& costs 50,000 more than what we purchased,we purchased residential home on 2 acres…
Angel – if you have in your possession the original “ink signed” note you should file for dismissal. An “owner” of a note is legally described as a ‘holder’ of the original note. If you have the original you would not be foreclosing on yourself….Basically the lender would then have an unsecured mortgage, at best!
Bobbi,I have…..they’ve came up with EVERY stall tactic known to man,my motions are being held in abeyance right now,had to go to mediation,,,,that’s were 1st settlement offer came in…now its a new offer every 3weeks,,,I’ve declined all…I WANT to get into court,I want sooooo bad to finally have my say,,,,I have raised in motions dismissal w/prejudice due to,No standing,false cause of action,fraud on the courts,un-clean hands.
0bviuosly judges need to go to refresher school. so please help me out here. Bank A is the original lender on the note we sign at closing. Bank A sells note to fannie mae (GSE), FMA secititizes note on the stock market and mortgage is placed in a MBS and placed on MERS. Bank A (original lender) is retained as servicer. During the height of hamp denials Bank A (and all other banks and servicers) sold you not to pay the mortgage. you were told you have to be 90 days late for a hamp applicaiton to be accepted. so the 90 day peried comes and the Hamp loan application is sent to Bank A by Fed ex, (because in 2009 while applying for a Hamp loan the faxes were lost. hamp loan denied but bank A gave you an “in house” modificaiton with NO statement to see where the money for payments went) fed ex mailer lost. hamp denied. Now fast forward 6 years you are in the middle of your 2nd foreclosure (Bank A never proved standing during 1st foreclosure case). I am not understanding how Bank A can prove standing if they sold the note to FNM and FNM placed it on MERS. Why are judges not seeing securitizations? why are the letting the original lender Bank A take homes in foreclosure they do not own any more they are merely just the servicer. how can we the people right this wrong. this ver over whelming to me and causing so mych sstress. PS SOL passed in sept. Case should be dismissed if SOL has come and gone? thanks for your help
Bobbi yes thank you. No assignment on record. However the mtg was recorded and that is all. No evidence of Mers involved chase was lender. However. I recently visited the court file and the note and mortgage in the file has been altered. They also erased the account # off of the note and mortgage. Why would they do that?
What do you mean they “erased” the account from the note and mortgage? Erased it from the face of the note? You cannot deface a note; it makes it null and void if you do so. They can cross out and add but cannot erase. You have proof that it was physically erased on the note?
That’s what I thought they were is an insurer
So I see they assign the bid for the sale but no evidence they ever had anything to do with note and mtg. Just got off phone with Fannie supvsr. Telling me that to get a loan mod when hamp first started They were sending out the loan mods. Prior to people qualifying for them. This is how the banks are trying to explain their reneging of all the hamps. What a maroon!
Angel, FYI, I just contacted Fannie Mae for them to send documentation on when they bought my loan and this guy AJ said he would have to ask his supervisor to provide me with that info. Apparently it is not a right for the borrower to know that information. What a bunch of bs! If Fannie owns the note or holds it or whatever you call it, would they not have to do an assignment thru the court record?
No! they will use a law firm to pay someone in a different state to notarize and witness. The law firm knowing these people like Fannie Mae, won’t show up in court to contest anything. then the assignment is filed by law firm. Fannie Mae being Under government conservatorship, will not tell you direct that they are the lender, but they are quick to say their interest is being the insurer. Whatever Happen to the government (TARP) bailout in 2008 & 2009 for all the bad loans?
Over the last couple of weeks I’ve seen all this garbage about Fannie “owning” the note and mortgage being or not being my lender. Fannie or Freddie, neither one, can originate mortgages or lend for mortgages. They BUY the mortgages already closed and funded by other lenders. That is what they are – GSE”s (Government Sponsored Enterprises). They are not lenders but by purchasing portfolios of mortgages from other lenders they bring liquidity back to those lenders over and over and over again. When a lender sells your mortgage to Fannie, Freddie or even Ginnie Mae it is SUPPOSED to be done via an assignment but that was part of why MERS was created – to bypass all those recordings in the Public Records and not pay all those fees. They got around this via MERS by forming the TRUSTS or pools of mortgages and setting up a ‘trustee’ which allowed MERS to be the tracking device for all these mortgage exchanges. The public records clerks had no idea of the evasion being committed by these lenders until the financial recession. That’s why so many of the County Recorders are suing those lenders for the loss income. As far as you, the customer, the only way to track is finding the Trust your mortgage was placed into and pulling down the proof. It’s really really digging deep and for most it’s never found. If your assignment is not on Public Record I would go to the County Recorder and ask why this lender was able to circumvent the public records? Getting them involved is like lighting a match to kindle….Oh and you can always go the sites for Fannie and Freddie online and find out if they own your mortgage. Google Does Fannie/Freddie own my loan?
I got the same run around until I told them there a DEFENDANT same as me on summons from chase…,then I got somewhere,,,had to send papers,& They responded to me/court.Fannie Mae was the ”seller’ we are buyers/borrowers.Freedom Mortgage was lender,Loan care was servicer,then CHASE became servicer,,flipped our lives upside down.
IMS 53,MY response above is to u,don’t know why it shifted downward,sorry:-)
Keep fighting. We all know how you feel.
I’m at the end pretty much too. Trying to get judgment thrown out Most attonys don’t want to deal with u at end cause they can’t make money. I would say if u come this far on ur own, finish it Because my experience with lawyers has been u pay a lot of money and they go thru the std motions but don’t really dig into your individual case as they should. There are many issues of material fact that should have been in front of judge but never did so now it is left up to me. Going to court next week in fact. Will keep u posted.
I wish u all the luck in this world:-) &thank u for talking& yes keep us posted:-)
Angel, about your assignment being record in court.
No! they will use a law firm to pay someone in a different state to notarize and witness. The law firm knowing these people like Fannie Mae, won’t show up in court to contest anything. then the assignment is filed by law firm. Fannie Mae being Under government conservatorship, will not tell you direct that they are the lender, but they are quick to say their interest is being the insurer. Whatever Happen to the government (TARP) bailout in 2008 & 2009 for all the bad loans?
Al, NOTHING has been recorded in my county clerks office,We purchased this home from Fannie Mae,2008,,it was a foreclosure/repo…We aren’t listed/vested as ”Owners”‘,nothing has been recorded since Fannie Mae,Chase had counsel Lerner,Sampson,Rot fuss ”create” an assignment of mortgage dated 2-9-2012. I was in foreclosure proceedings 8-1-2010. That created assignment didn’t come from original LENDER,& it HAS NEVER been recorded.Chase has paid my taxes under the name of FANNIE MAE all 8 years..I proved in court with documentation from Fannie Mae it was SOLD to us in 2008,& that was in 2014…chase is claiming they have continued paying the taxes but my records show CHASE NO-WERE,,,why would someone with a legal claim to property pay under someone else’s name????? To me…..FRAUDULENT ACTIONS,,,what’s your thoughts???
that’s what they do to shut you up. I was in the chase multi district litigation class action in boston for breach of contract. of course chase and the attorneys settled for 10m and the homeowners got nothing. I have tried to contact the attorneys that represented us in the class action. they will not return phone calls and I found out Gary kleins firm has closed up and I think he is working for AGs office in Boston, so they get you to shut up one way or the other, know what I mean. you must have something on them.
Its crazy the levels they have taken us all built on lies,I’m at (I think) the end of this case,as lawyers put it,I have a Great court system here, but I do think I need a lawyer,ONLY because they do speak a different language,&my proof is great,my delivery isn’t..& finding,explaining case,timeframe its takeing they act as if I’m a loon,,,”oh no foreclosure cases only last a year in litigations”’ ummm no…I’m STILL fighting,& it began in 2010 to present…so I’m pro se,& they continue to hold my life in 2010…& battle rages on…& I have everything,every notice,flood policy attached,I have Original note/mortgage/special warranty deed/chain of custody.proof their ”copy’s” are copys,not originals & forged
Had a lawyer 2012-2014,he did NOTHING except change law firms,3x’s & was always playing catch up due to the move? So we released him,to put it nicely,& I’ve moved this further in a yr as pro se than he ever did,,,1st challenged motion came from me..so TRUSTING a new one causes me pause…….rock/hard place…have you heard of Jeff Barnes? Any input would be greatly appreciated:-) 🙂
unlike you Angel, I did my refi with Chase and they were the original lender, but have since tried to put it on Fannie, but there has never been any evidence to show that Fannie is owner except the fraudulent POA showing Fannie assigning certain rights to Chase. even my credit reports show chase is the owner. fannie mae said they have been owner since 2006, but there is no way.
keep on keeping on Angel , like me. Chase is made up of a lot of dishonest employees, combined with their foreclosure mill attorney, the fraud is rampant. they erased account # from my note and mortgage, not sure what their benefit to that is except to continue their fraudulent securitization scheme. also Chase is hiding behind Fannie mae saying Fannie owns the note so they done have to explain their illegal ways. I’m still fighting too after 7 years so I hear you. Stay on them!!
They did same thing to me,I contacted Fannie Mae,made them aware they were named as holder same as me,they released written statement to me/my courts they sold property to me in 2008 & don’t have ANY claim to my property, if I was you involve Fannie Mae,helps u by showing flat out deception…this has been a living nightmare,but also EYEopening….I wish u peace,resolution:-) 🙂 & Don’t give up:-)
Howdy y’all,,I’m STILL fighting chase/counsel….Latest activity,settlement offers have been coming in,500 to 10,000 now,I declined ALL amounts,&made counter offer,of course it was declined..also the ”threat” of summary judgement motion is on the way,that was last June,1st time I was informed of it to present date,,,still NO motion..weeks pass,new offer amount,,I have filed motions to dismiss w/prejudice that are held in abeyance,my question is….do I push to proceed,or cool my heals to see next offer????I have battled this since 8-1-2010!!& I’m still in my home,& I’m pro se:-) your input on this topic is priceless,,I feel I’m on the right track,but DONT want to mis-step.thank u so very much in advance:-)
Angel what are they making settlement offers on ?
My home,,,sorta like cash for keys,,,,they have no claim to my home,sloppy copy of note that is forged,false cause of action,the default claim is/was always paid,what I REF– USED to pay was forced placed flood ins,policy’s..so they made it into default claim,of missed home pymts…that I’ve proved PAID.chase was servicer ONLY,,,,never had ANY loan with them.didn’t close home loan with chase,but their claiming ownership to my note,with no valid chain of custody.no valid anything….I have the realtor who was Present a closing of my loan & written statement the signatures/initials chase is using ARENT what she witnessed us signing.false credit reporting,its a LONG list of illegal actions by them.
& part of ”settlement offer” I’m to withdrawal all complaints,I’m not to speak of chase/counsel in negative light,I’m to stop all legal actions….I declined:-)
Quicken loans, gave loan immediately to GMAC, 2008 crash, husband’s company bought out, wife’s job cut along with furlough days- leads to husband’s new company cutting everybody’s pay and. Cutting out benefits that were still needed to do job. These were vehicles and cell phones and gas expenses. So, trying to get a modification loan with a company, we are served foreclosure papers that had written that two lots of land that the wife inherited was included in the foreclosure. Immediate attorney gotten to respond to this fraudulent statement . GMAC going bankrupt and said did not need to help us. Quicken loans no response to clear this matter up. Ocwen has gotten loan and refuses to help. Have always paid taxes on this separate land. Property description always correct without lots on it. Six years of being told we would have to move and that court would be coming up has caused the husband to have heart attach and last year thyroid cancer. Anxiety and stress. Now, being told to not spend money on home, it leaks and insurance will not fix. We have had to move in with family because of the awful mold and mildew. Still no answers, still injustice. GMAC would not work with SC Help and no modifications could be done since we are in litigation.
Lenora, where are you? if in South Carolina email me at email@example.com
I have a case where a FBI agent with 30 fraud investigation experience has stated that my mortgage bank committed criminal mortgage servicing fraud. The put in place practices and procedures to enable the foreclosure of high equity properties. I stood in line myself every single month and made my payments in person and got a receipt yet the bank made my payments between 7 and 20 days late with all that additional interest and late fees. Then when called on it they corrected it, years later. They with American Modern added at least two copies of insurance for 1.8 MILLION dollars each on both my HELOC and my mortgage at the same time. Total coverage on property was over 4.5 MILLION dollars which of course they billed to me. They claimed my insurance which was always in effect was 300K insufficient so the added 3.6 MILLION in coverage! WTF??? Even send grade math tells you there is a bit of over insurance. OH yeah and when the complaint went to the federal reserve they claimed there was no insurance fraud. They INVESTIGATED IT!!! The bank created a situation where they sent to credit reporting bureaus that my HELOC payment was 3 months late, yet they talk in their own activity work sheets about how the bank officer who was supposed to be managing it hadn’t. They told their collections person not to call me when bank officer failed to transfer only the HELOC payment. Of course he continued to make the mortgage payments that were due the same day. Then the bank said they never transferred a dime.
IN 4 YEAR ONGOING FORECLOSURE BATTLE – SAME HO– USE/NOW ON 3RD LENDER.
FORECLOSURE COMPLAINT JUST DISMISSED BY COURT BASED ON MY MOTION TO DISMISS DUE TO PLAINTIFF NOT RESPONDING TO ANSWER TO COMPLAINT, ETC.
NOW, PLAINTIFF IS REQUESTING MOTION TO AMEND COMPLAINT INSTEAD OF REFILE. NOT HEARD OF THAT BEFORE AFTER SUCH A DISMISSAL BY THE COURT.
NOT ABLE TO FIND ANY AUTHORITY TO PROHIBIT THAT OR ALLOW THAT.
I AM LOCATED IN ILLINOIS, BUT ANY INFORMATION OR HELP WOULD BE APPRECIATED.
THANKS FOR ALL YOUR GREAT WORK.
We can’t ignore impact we have had and whistleblowers, significant wins and Supreme Court TILA decision by Scalia who was ni friend of homeowners but could not deny basic truth. We are at another level of evil in those places like CA manipulating settlements and ignoring law that was to address harm done and admitted to.
I’m in California. We are making progress with the TILA rescission. One member of our team had an acceptance from the Federal Reserve of a complaint submitted. The Fed forwarded to the CFPB. I will be doing with my two cases which are in the San Bernardino County courts currently. I can provide more information if you’d like to join us….Please call me at 310-427-1008 or email me at firstname.lastname@example.org. Thanks!
Interested. Will be in touch. Just lost stay of eviction but court left opening I believe.
Has anyone watched the video of the Bartram Supreme Court pleadings ?
Yes the cancer has spread everywhere were way beyond cause and blaming sub prime. In my case brokers definitely ignoring law and abusing the process. Used notice of sale and intimidation as well as bogus cash for keys to try to push me and tenants out. They tried to get contractors to tear off whole roof of unit to flip. I had to stop them and put sign up. They are even using rental income under MY OWNERSHIP! City refused to release funds to me when I still had a chance. Contractor actually refused and new ones told me they were fired. We need all brokers, bank, court employees to stand up.
My view and first hand is its way worse than we even can see I am afraid to say too much. The matrix is in full effect and I hate to say this from the bottom of my heart but I think its over already. All the puppets that think they will be taken care of will be shocked when their masters dump them too and they become just like us and realize they were used to do the dirty work. As I watched all these baby lawyers just jumping in making a name for themselves be used and brainwashed into thinking they are special stealing the homes of their own mothers brothers perpetuating this travesty.
There is No room for the good people the light in their darkness they have to marginalize you and isolate you. The struggle is if so much evil then where is Good? Where is God? Throw us a bone not one of the so called precedents we prayed for ever came through. Now what the next bubble game. Waiting for the next punch of destruction. Its obvious now a systematic destruction of the USA is in full effect, or global destruction.
Yes both! All on the take willingly or forced to comply to continue to have a business in the local municipality or face being targeted and destroyed and blacklisted harrassed. Hundreds have said brokers went out of their way to drive homeowners into short sale/foreclosure. Homeowners taking hit to unload property to avoid and they blow the deals out. Some done deals with deposits, mystery walk aways. You know a broker is shady when they dont force the deal legally, buyers obligated to go thru mysteriously brokers dont fight for % BS! I have heard tons of times weird broker stuff. As for mortgage all the sudden friends of friends are in the mortgage sales biz from street cleaners to truck drivers. These guys had such a pulse on the bubble they all the sudden are mortgage business pros.
@ PAL – Let me just set the record straight here. ALL mortgage brokers have to be licensed as of 2010, take the pay for educational required classes, pass the written test with 70% or better, pass the background check, pass the credit check,pay the annual fee and now be limited to a set amount of pay. I am a mortgage broker and have been one for 44 years. I don’t stay in this business because I do the wrong things, I stay because I do the RIGHT things. In 2010 when the NMLS (National Mortgage Licensing System) was put into place, nearly 85% of all registered brokers and loan officers dropped out. There were several reasons: couldn’t pass the tests or couldn’t pay the fees (they are hefty) OR didn’t like that our incomes would now be controlled by the US government. We can’t get raises, or bonuses. We don’t have overtime pay. None of that. We work strictly on commission and that commission is set now by the CFPB government office for EVERYONE. Every time I hear a consumer spout that it was the brokers that caused the financial disaster and subsequent foreclosures I want to puke. It started with the Greed of Wall Street and grew like a cancer. A mortgage is a product just like any other type of product and there were all kinds of versions just like there are versions of models of cars and each with a different set of rules and guidelines. Wall Street began to offer ‘incentives’ to sell as many of these products as possible. The brokers only followed the rules. How often do you perform a task in your job that you don’t like or agree with? Do you just say I’m not doing this and put your job on the line? Hell no. I did. I refused to sell the asinine products to prospective buyers and do you know what they did? They went to any other broker who would. People were desperate to own a home no matter what. Consequently I lost over 70% of my income. I resorted to taking on a second job while I watched my other cohorts rake in the hundreds of thousands of dollars. There are those of us who had consciences but there was also those buyers out there who knew that under normal circumstances they couldn’t own a home other than these ridiculous programs from Wall Street. These people now come crying and for those I have no sympathy. For those that suffered the loss of value because of the financial crisis who had owned homes for years, never refinanced, are the ones who suffered the most. They ended up with the short end of the stick after all was said and done. That is the truth of the matter.
And I say good is good. I know rotten apples spoil the bunch and its in everything. Those shining lights in any job I have no problem with. I CERTAINLY am not sayin all are bad I know how it is, theres evil and good. Wheat and tares. My only hope is in those lights and I hope they are in leadership that can save us and say enough is enough. If you made the noble choice to not sell those products than well I am not sure most of us wouldnt have gone along with the gold rush and stood up and said no so THAT IS ADMIRABLE.
Obviously we are under attack and our only knowledge is that the Courts are created to protect us!! The reality is hitting each of us, the many that have been on this thread for years, that we the people are being allowed to be under attack by the very courts that are created to protect us?? The system to protect us actually allows the banks, that took our homes with forged and fraudulent documents, to add another source of revenue for the IRS by sending 1099 showing you received the foreclosure as income and now the IRS wants money from you!!! Really? So the banks are paid for the insurance they took out for each loan, then they steal our homes to sell
to a new buyer so a NOTE can be created, then they send a 1099 as the final straw to then attach your social security, unemployment, income refunds even disability!! What the hell? There is something going on with “things” and our jobs, homes and way of life are disappearing before our very eyes?? This court battle is useless, it’s totally rigged to take your home!!! There has to be a plan that was agreed on with “the powers that be” whoever “they” really are, it’s a movement to change America and we better get out of the court battle’s because we can’t win and it’s got our total focus!! We need to figure out what is really going on and soon !! I am a victim so I know what each of us is going through, it’s something bad for sure don’t you think?
You nailed it! Its no doubt the boiling frog analogy. I shake that the frog is cooked and well done. I mean Its scary, whats next? All these years of end times chatter I would hear and I have chalked it off to fear porn. My common sense says I have seen for myself pure evil over and over worse and worse. I through this foreclosure process could see they can get away with anything they want. Kennedy, breitbart, scalia man this is getting freaky.
Exactly ldynps as we’ve talked about and has been my mantra to stay out of court trap. But was only option but it’s even worse than forgeries law is ignored and in my case completely wrong information on purported verification of debt. I also have issue of local government ignoring law and fraud ON THEM. So that’s going to be Main attack next couple of weeks and worst case will enforce TILA, sue for fraud after eviction if necessary.
The local municipality is in on it. They are the front lines. The local yokel brokers (these are all connected to the local brotherhood of men in cahoots) are all tending to the vultures in the coops and preparing their meals your sanity and your money is their food. I have heard the same story over and over brokers grinding clients into foreclosure. Not selling getting them desperate to short sell, not showing, blowing deals out. Then sweeping your house up to feed the dragons. For shits and giggles look up any one you suspect locally of being in on it. Look up their public record and you will see a bizarre flurry of mortgage activities that are abnormal, heloc, discharge, mortgage, mortgage cancelled over and over every 30 days. Then you will see no activity after certain dates on all of them.
Yes all the local municipalities are involved with the fraud. Blackstone wants to make everyone a renter and the need to steal homes in order to rent them. Blackstone and jp Morgan Chase alive and well in broward county Florida. D/b/a invitational homes where blackstone owns 100s of homes here and chase is holding the mortgage. Rents are outrageous.
@ PAL – what ‘brokers’ are you referring to in your post? Surely you don’t think that Real Estate Brokers or Mortgage Brokers have anything to do with this? Real Estate brokers only come in the picture once a lender has taken title and want to sell the property as a REO. Every lender out there utilizes a real estate firm to handle and dispose of REO properties. There are a multitude of real estate investors with cash who are purchasing these properties but that’s only AFTER the foreclosure sale and subsequent transfer of title. It is rare that an investor actually wins a bid on a foreclosure sale but more often will purchase them once the lender has title and put the property on the market. There’s only two evils to what happened in the financial crisis – Wall Street and the Banks, especially the ones labeled TBTF. Everybody else was at the tail of the snake and it’s the head (Wall Street/Banks) that needed to be chopped off. To this day, none of them have been held accountable and again, I say, we need a stronger presence in white house that will not be indebted to these SUPER PACs and go after them.
Can’t get into fear, end of world mode that’s what they want.
Look I have this 1099c I or even we really have no clue what the hell it is. No explanation just a form saying I owe. Google doesnt know, court info, threads. I have no idea what it is. Am I done with this disease? Did the house sell, no record saying it did. I can call my lawyer who ripped me off, he wont know or tell me. The feeling of how insignificant we the slaves are is achingly apparent.
In CA not even done w unlawful detainer and sent 1099 for amount it went back to the bank. Doesn’t seem to make sense as purported deficiency of foreclosure sale amount or if tgere was actual sale.
@ Hammertime – CA is a deed of trust state so you don’t have the same judicial proceedings like Florida or New Jersey so the process of a deficiency judgement is totally different. My own personal opinion, those states such as yours (CA) took away most of the rights of homeowners when they became Trust states wherein the appointed Trustee takes possession. You really have no say so in court in those states. The process of foreclosure is so open to fraud in states of Mortgage Trusts ( Alaska, Arizona, California, Colorado, the District of Columbia, Idaho, Maryland, Mississippi, Missouri, Montana, Nebraska, Nevada, North Carolina, Oregon, Tennessee, Texas, Utah, Virginia, Washington, and West Virginia). What you got you can’t compare to what someone else got in a mortgage state like NJ or Florida.
I agree. After going through UD court we also have seem to have own version of rocket docket. Fraudulent / illegal sale after fraudulent transfer and violation of TILA rescission. 1099 purported amount is equal to what they claim it went for back to them at auction. My understanding was deficiency was difference between total disputed debt, foreclosure lsale amount , minus sale amount. Could be different if goes back to bank, REO?
@ Hammertime – All I can say (for Florida) is that deficiency occurs when title is passed from the (defaulted) borrower to the new owner at the foreclosure sale. This could be the original lender (which would be a REO) or to an outside entity. Either way, once the court determines the Judgment of Foreclosure, which sets forth the final amount owned to the lender, and the sale amount, if the difference is negative, that amount is the deficiency balance. Pretty simple here in Florida. REO or outside sale, it makes no difference. Anybody can bid on a foreclosure sale but more often than not, the lender will outbid everybody, hold on to the property until the market moves upwards, and then sell it later to recoup a higher percentage against the loss.
Thanks for response. The bizarre thing not that anything shocks me with the scam of all this. Not one public record of a sale whatsoever. Not a cancellation nothing anywhere. If its sold it is completely hidden from public record. Even searching block and lot no new owner listed no real estate transfer. The layers of this fraud and process has been utterly frightening. We the people have been destroyed and I cannot even imagine whats coming next. I mean nuclear power has a massive leak in NY right now and its not even a major headline. God help us.
@ Pal – I found this time frame for NJ:
Deficiency judgments are allowed in New Jersey, but not in the foreclosure action itself. To obtain a deficiency judgment, the lender must file a separate lawsuit within three months after the foreclosure sale or, if confirmation of the sale is required, from the date of the confirmation of the sale (N.J. Stat. Ann. §§ 2A: 50-1 through 2A:50-2.1).
Is it fact if i get 1099c that means the house was sold. This would also mean they got big money for the house. I was asking 40k less than them if sold. Way over assessment they got. It just doesnt fit. Could the 1099c be for something else? If it is a deficiency its under 20k? So i guess i should celebrate I am only a lil crushed? I would be grateful to be done but saddened by the state of affairs going on.
@ PAL – if the house was slated for a foreclosure sale, it is usually open for the highest bid and not made upon the market value or even the assessed value of the property. Just because your may have sold it less than what they set up for auction does not mean they started the bidding at that price. If the house was underwater the couldn’t even start the bidding at the loan balance amount. Whatever the dollar amount of that 1099 is what the shortage would have been from the principal balance outstanding. And remember, that ALL costs associated with the foreclosure plus interest gets added back to the loan. In some cases, that could be upwards of $35K added. Attorneys fees representing the lender are added to that principal balance as wells inspection fees, taxes or insurances, preservation fees. It is very profitable for attorneys representing plaintiffs….Big bucks! And with the 1099’s it is usually YOU that pays that bill.
We are all slaves, does anybody have any common sense left. Are we doomed or what? Russia says one saudi troop sets foot in Syria WW3. What is happening the whole world is falling off the cliff.
I also received a 1099 and got it from Specialized Loan Servicing… For 45K.. I have no Idea what this is for…. what loan… could it be for taxes that they paid out of escrow?
If you received a 1099 from the lender it is due to two reasons: 1)you sold a home on a short sale and didn’t get the deficiency judgement provision deleted or 2) you had a foreclosure and this is the balance between what the home sold for and the outstanding balance due on the mortgage. Either way, it is the deficiency balance. If you sold the home on a short sale you should have negotiated with the lender to cancel the deficiency balance. In a foreclosure, you have no means to do so unless you signed a Deed in Lieu of Foreclosure. Now, that amount is reported as “income” to the IRS for which you will pay income taxes.
But I had no sale…. I am still in the house and was served the LP in November of 15. What else could this 199 be associated with.
@ Bob Toerner – if there has been no sale then was there a 2nd mortgage on the property? A lot of times if there is no equity position from the first mortgage the 2nd mortgage holder will just extinguish the 2nd mortgage, cancel it from the record and send you a 1099. The other possibility is if you had a credit card that went into default; they took you to court and got a judgment. After a period of time if they cannot collect on the judgment, they can issue you a 1099 and cancel the judgment on public record. Other than that, I have no other clues as to why you would receive it. Was it from your actual mortgage lender?
Yes… it was from the lender on my house..Specialized Loan servicer… . it seems that if it was a credit card or from a servicer of my second that it would not be from the same servicer as my main mortgage. Does that make sense. I tried to call them at SLS and I kept getting passed to other departments then disconnected.
Bob – Stop with the phone calls. They do absolutely no good and you have no proof of such communication. You need to write the lender a letter demanding an explanation for the 1099 and in fact, requesting a mortgage/forensic audit of your file. They are required to respond when put in writing, not a verbal request or inquiry on the phone. Send the letter with verification of delivery/receipt.
Also known as a ‘Qualified Written Request’. This has a time limit for response from a lender, I believe it is 20 days ( I am probably wrong – but there is a limit). Try it. Legally it will give you a better standing.
Tx for responses appreciate you guys so much. So since my last post I received a 1099c cancellation of debt from the bank. Under 20k. Can any one confirm what this is? Is this the deficiency from a sale?
….sounds like they wrote off your balance and aren’t holding you liable for the debt…the 1099 shows the IRS you received the equivalent of the balance shown as income to YOU in the form of debt relief or debt forgiveness.
You need a tax accountant to tell you if you have to pay income tax on the amount they ‘gave’ you, or if and how you can get out of paying taxes on the amount.
Nice going ! You won.
I am in very desperate need of an attorney. I have filed suit but need help. I’m in the Dallas area does anyone have any knowledge or recommendations for Texas attorneys. Thanks so much!!
When I do my Due Dilligence, I search my states Appellate Court decisions for attorneys who have represented parties against the party I am going against, and then do the same thing in my local jurisdiction. I prefer Appellate attorneys since they know the parties and law better and are a great source to find who’s good and who to stay away from.
You need a LITIGATING attorney with lots of trial experience and success …..
….another way to is search current open and recently closed cases…that way you can actually SEE the paperwork they file and how they do in Law and Motion hearings.
Another technique I use is asking trial attorneys, including criminal attorneys, who they know who might be good with my specific circumstances. I also search legal indistry news stories and all the articles prospective attorneys have written, and spoken to others they have represented.
I have found relatively few spectacularly qualified attorneys, and usually decide that if I might lose I’d prefer to do it myself and not lose my money as well as the matter, and found that when representing myself, I use the same techniques to research the judge in my matter, and attend numerous hearings and trials to get to know them, and try to learn how they specifically think and rule, and set them up to make mistakes I could take to appeal if I don’t get what I want.
Using the above, I got my second mortgage removed from my property and the court order the bank to pay me over $20,000 for possible income tax expense, and had my foreclosure judge on my first mortgage order the lender to modify my mortgage…indicating she would throw my mortgage out if they brought it to trial.
My legal expenses on both these was zero.
Has anyone heard anything on the Bartram court ruling ?
Thank you bobbi, I am in nj. In my case record says Fannie Mae owns it, for $100.00. The only time frame I found is 90 days after they sell it, they have that 90 days to file deficiency. The thing is can’t find anything that says if the bank holds it for years they have any time limit. So rebuild and it’s still monkey on my back when just want to cleanse from the whole dirty process. Once a slave always a slave.
In my opinion, as I lost 2 homes through this crime, if the home is empty and no sale, file a lawsuit against the bank that stole it from you for Fraudulent Foreclosure! It turns you into the Plaintiffs position and the fact that it is not for sale could be because they haven’t forged documents to create a note…..Sue them to get your home returned!
The toll of corruption faced already for over 4 years the bank, my lawyer, bank lawyer, judge. It was clear it was all an act all in cahoots and in on it. I am convinced just entering that place is a waste of time unĺess I had some good supernatural power like they have with their evil. I had a case blatant forged documents. So really trying to hedge against being on the hook for this place after I rebuild my life down the road.
Once the lender forecloses on a property the court sets a foreclosure auction date which is usually scheduled 60 days after the final hearing of the foreclosure. If the lender buys it at the auction, the court issues a Certificate of Title and title to the property is then reverted to the bank’s name. If another party purchases the property at the auction, then the property gets transferred into that buyer’s name. Either way, there is no real time frame in which the buyer of the auctioned property must put the property up for sale. In a foreclosure, the lender has the right to file for a deficiency judgment against the original debtor if the property that was sold at auction, whether by them or another party, was not sufficient to cover the outstanding balance due from the foreclosure. I am not sure of the time frame in your state as to how long a lender can sue for the deficiency but in the state of Florida it was recently reduced from 5 years to 1 year.
check your local statutes and know the terms of your note and mortgage.
My mortgage company stopped taking payments from me when I informed them of my fathers passing …. I was not on the loan …. I even have three checks that they returned to me saying the account had been suspended…… I kept thinking this is so wrong it has to work itself out but to no avail…… by their refusal to accept payments they forced me into forclosure is this legal?
I have in NJ cannot find anything anywhere. No reference to any time limit they have to sell property.
Can anyone answer this. After the bank takes possession and the case is complete, the Sheriff Sale takes place and the bank/Fannie takes back the property. The house sits there and they never sell it or put it on the market. Are we still liable for delinquency? Is there some time limit on that? What if 5 years from now the bank never sells it? Is it normal for them not to get it on the market? Why are they holding it, its a nice house and other homes are selling? In my case they even made repairs on it I see, but no activity whatsoever, transfers, auctions, listings etc on it out there at all, nothing! Its in NJ
I realize once they sell it they have 3 months to come after your for deficiency, which I hear is rare. Its like a disease that never dies if they can come after you years later and garnish or whatever schemes these scumbags have. Anyone in this boat? Would like some thoughts and opinions or new scheme they are plotting. Has anyone from early days had them come after you?
Am currently suing Wells Fargo and Assurant. I seem to be unique in that so far I seem to be the only person that had their insurance tied into the escrow account. Wells Fargo failed to make my insurance payment themselves and it was cancelled. I called after which they reinstated it. They again failed to make the payment and it was again cancelled. I again called and they again reinstated it. The very next day they cancelled my insurance for “underwriting reasons” and started forced placed insurance, but did not notify me for 9 months at which time they sent me a large bill for the back time.
I have defeated summary judgement and also motions to dismiss by both parties and motions to sever from Assurant. A tentative settlement offer was made which I refused. If anyone knows of any legal cases in which the mortgage company itself failed to make the required payments which can help, please let me know. Most with forced placed insurance are fighting because they let their insurance lapse and inflated insurance was placed. I can’t seem to find any cases in which the bank itself canceled the homeowners insurance just to put forced place insurance into effect as they did in mine.
David Lee Ham v. Nationstar, 1D14-4024, Florida 1DCA, decided 05/12/2015.
He had a foreclosure where it was brought about by (illegally placed) force placed insurance. He refused to pay the additional premium beyond the original premium, which Ham was current on (loan was on adjacent structure to his primary home, and while it wasn’t included in his escrow insurance on his primary property, he did have a policy, w/the proper PLP on the policy, covering the subject property, but THEY didn’t think it sufficient, and they force placed an Additional Policy and thereby the party began.
What they didn’t know was that Mr Ham was an attorney.
He prevailed, in the end, on appeal. Reversed and remanded with instruction for involuntary dismissal. Currently tying Nationstar in KNOTS in the Florida Middle District Federal Court.
(& Nationstar was preceded by Aurora, not WF, although WF was cited and CONFESSED to that which You allege in 49 Attorneys’ General v. BoA, N. A.,et al, settled, 2012. They (WF, WFHM, & WFHLServicing, Inc.) all Swore they wouldn’t ‘do it again’, although it sounds like they never stopped, in Your case?
Hoping this helps, I’m sure there are more, hundreds if not thousands of victims when applied nationwide, where the Lender/servicer force placed an insurance policy, & thereafter sought foreclosure?
Thank you Mick
LegalYou: The Ultimate Self-Help Legal Resource is Live!
It’s here. It’s finally here. And no, we don’t mean your cheese of the month delivery. We mean THE ULTIMATE SELF-HELP LEGAL RESOURCE. And that all-caps is deliberate. Because we’re talking about LegalYou here, our seismic contribution to online law—born out of tireless efforts, emboldened purpose and an overdue need to empower the people regarding access-to-justice. We couldn’t be more excited.
LegalYou is designed to be a game-changer. By putting the legal advantage back in your hands, we’re rebuilding a system that is for the people, by the people. Novel idea, isn’t it? An understanding of our country’s court systems—all its workings, its structures, its ins and outs, its lingo—is not a privilege reserved for the academic few. It is your right. And LegalYou is here to make sure of that.
If you’re one of the eager folks who have been following our progress up to now, you might already know a little about what LegalYou is bringing to the table.
But whether you’re chomping at the bit or just discovering us, here’s a recap of some of the incredible features available to you as a user of LegalYou:
Access to a wealth of legal knowledge (written in plain, non-confusing-lawyer-speak English)
An extensive support system to help you make sense of and apply that knowledge
Our unique legal document creation and management service – which allows you to create, edit and download the documents you need. For FREE!
An entire library of short, accessible, humorous animated videos describing a wide range of legal terminology, procedures and general advice. For FREE! Yet again!
And if you’re really stumped, confused or preferential to direct human contact, we provide unbundled, as-you-need-it help from an actual lawyer. It’s easily accessible through the LegalYou platform. The idea/best part? You only pay for the advice you require. No more. What a concept!
LegalYou was conceived, designed and equipped to make you totally self-sufficient in court. We’re talking a legal independence you never even knew you could have!
So, what are you waiting for? You could have been revolutionizing law already. Head over to LegalYou and have a look around. Get lost in it. Because the next time you have to go to court, you’ll be happy that you did!
Team You (aka LegalYou)
I have misplaced my copy but I don’t think they are making it up. I just want to know if there’s anything else I can do
Well I just found out from my attorney that I don’t get anything. I guess the contincetcy in my contract with them was 10 percent of what the foreclosure suit was for. What I don’t understand isn’t the contingentsy part of the legal fees or cost ? Also what about damages I guess I need to find an attorney that will take a percentage of what they can recover. If that’s even possible. Any ideas from anyone ?
It’s been so long since I signed the contract with my attorney I didn’t remember that the contingency also covered any fees they collected up to 10 percent of the foreclosure suit. Still I think that should be considered fees it cost because now I get nothing. I’m als thinking maybe I should try and find an attorney that would go after damages and still try and get my money back. Is that possible ? I haven’t signed off on anything
did you keep a copy of your retainer agreement
What about Ticktin law group? Any views on them? know they are pretty expensive, but hear good things.
They are a bunch of clowns!! Don’t even know how to properly draft a deed, let alone defend a client from the wrath of corruption. Wasting your money. JMO.
LOL. Thanks. Just hear them bragging / posting about the foreclosure cases they are winning all over Florida.
I went to them back in 08 and they wanted my first born to defend me. Seriously, they wanted a percentage of any loan reduction and for me to sign a sign a second note for it and a monthly fee. That was back in 08 when a lot of homeowners were being taken advantage of by lawyers, so i doubt if they are still doing that now.
However, they have been winning a lot of foreclosure cases and appeals lately. I know that for sure.
Well I was just notified by my attorney that they settled the legal fees and cost to satisfy my contingentcy It wasn’t even half of what I spent over the last seven years Do I have to accept the settlement ? Oh and by the way they didn’t win the case the bank took a voluntary dismissal
You NEVER Have to accept a ‘settlement’, however, You do need to keep in mind that IF You choose NOT to accept, You’re still on the hook (at least for the time being), for ALL that You already paid. IF getting HALF of that back is viewed as better than a sharp stick in the eye, on the day when we try to reconcile at least the Last Year (if not the last 7 in Your case?), it’s Totally Your Call? They (plaintiff’s counsel) MAY counter again w/a different offer, however even the COURTS don’t like when ‘legitimate’ settlements are refused and the Court is required to enter again in to the case to make determinations for the parties.
IF You had a gr8 Judge, perhaps You’ll get it all? If You had an unreasonable (aka former Bank Lawyer or former Bank EMPLOYEE) JUDGE, You may well walk away w/zip/nada/zilch shy an APPEAL on the issue?
I know it SUCKS (just went through almost the exact same thing w/a recent settlement where we accepted 1/6th of ACTUAL Losses for the last 5 years, & definitely not what EITHER Party was happy with, after a 6 hour mediation, however the alternative was at LEAST another 2 YEARS of continued litigation? I wanted it over apparently nearly as badly as they did…& they stroked a check for larger than any other this year statewide, so those bragging rights are also better than that ‘sharp stick in the eye’, whether now or later, and NOW is always better), but then again, You do realize You get to throw MORE Money in a Potential Hole when You decline the settlement offer, AND You get NOTHING until after the Court either Decides in Your Favor (which IS Likely since they voluntarily dismissed), however including an appeal if the Court didn’t go Your way, it’s another 1-1.5 years and tons MORE Fees to prevail at the appellate level? Do YOU really want to go there?
Again, I Can Relate (better than most) Right Now, & personally think a CHECK to start the new year versus a BILL isn’t a ‘sharp stick in the eye’. Remember that settlements aren’t about Your “Satisfaction”…as our mediator said: “Everybody leaves the mediation hating me….but it IS OVER, and while You think You deserved MORE, they think they should have paid LESS, and nobody’s happy, but afterward, ultimately, everybody’s glad it’s over, and it IS Over.” <–direct quote. 6 hours later, he was right. You can Always Use Your check to secure new counsel.
Happy New Year,
The bank took a voluntary dismissal without prejudice after almost 7 years We have filed a motion for attorney fees and cost back in October and my attorney just told me yesterday that they filed a motion to deny us. Now my attorney informs me that they are going to cease taking out my monthly payment. Not sure what that means
Could be withdrawing from case. Maybe he’s being bullied by bank. Would not surprise me.
Merry Christmas everybody!
merry christmas from florida 🙂
once a case is dismissed, you do not have to pay the lawyer again until the bank refiles for a new foreclosure. some folks pay a retainer then a monthly payment, and some folks pay One price for the entire year. just depends on the law firm. voluntary dismissal without prejudice means they can come back and file a new suit. what we need to all find are lawyers to counter sue the banks. would love a class action. i know does not pay alot but i feel with more individuals involved it has more teeth. i feel like each one of us alone fighting our own horrors is not getting anywhere. when cases are dismissed without prejudice whether granted by judge or voluntary that means the suit should not have been filed in the 1st place and we should be awarded lawyer fee’s
true, I called evan rosen, not taking on new clients. ice firm if you like the young and inexperienced. these foreclosure firms that have expanded since the crisis, I would be leary of. most want to drag it out to collect monthly fee(to pay for their firms expansion of employees and locations), meantime you the victim are getting deeper in the hole with the bank. I been fighting going on 7 yrs, 3 lousy lawyers that did absolutely nothing except help the bank to put me deeper in debt. the lawyers don’t want to do the real work that needs to be done. Forget the game of who owns the note and if you want to stay, pay. work out a plan if possible but as in my case maybe impossible. went to ice firm to get judgement reversed. I was told they could not do anything for me when it was more like they did not want to do anything for me. im just saying think about your situation before you get attorney involved. if you looking for stall then a lawyer is probable for you but if you want to stay and can get a REASONABLE payment plan from bank then you will be better off. Good Luck to all and Happy Holidays!
what about mark stopa http://www.stayinmyhome.com/
I’m in Sarasota. Evan Rosen has to heavy of a case load to take on any new clients
T 727.954.8752 | F 727.231.8008 | Email
A 250 Mirror Lake Drive N • St Petersburg FL 33701 | MAP
Tell them Bobbi Swann referred you.
I live in South Carolina and I may need a new attorney. Can anyone recommend someone
I am in Lake County Florida…. any recommendations for a LLawyer in the area that gets thing done and wins.
Look up Michael Waslick in Dade City Florida
I believe the firm is Ricardo Wasylik.
For my money the only people to trust in the sunshine state
There certainly are others, depending on Your location, however I’ll second Mike Wayslik, as he was sitting second chair at the Bartram Oral Arguments in front of the FLSC last month. Heard nothing but good about this guy.
Evan Rosen is pretty awesome (in Hollywood) and Thomas Ice in Miami as well. Have no professional relationship w/any of the 3 [yet].
I live in Florida and I may need a new attorney. Can anyone recommend someone
what judicial district are you in
Can I ask a stupid question??Why wont anyone get back to me on the procedure for actually printing the depo of Erica Seck?And do we log into this site??Im confused,,,is the passord I created for the paypal they made us use to but the membership??
Hello, Posting from San Diego California. Currently I am representing myself in San Diego Civil Superior Court. I was represented by 2 separate Attornney’s at different times. Our 1st attorney was dissbarred after filing our case, our 2nd attorney at his request was removed as councel due to me running out of funds and his office to small to go up againts a large law firm. This happened right before the trial. Our trial took place in January 2015, but my ability to perform on the day of trial due to my health. But we proceeded through the day. I did not submit my evidence although I have it. I have epilepsy and other neurological disorder and my thought process and ability to speak stopped. I am the Plainteff in the case and had been waiting for my day in court and I failed, sadly.
The case is still pending at “pre-Judgment” status. Defendants filed a Notice of Entry of Judgement or Order October 2, 2015. For attorney fees.
The case overview was for Foreclosure and eviction proceedings 1)breach of contract 2)fraud 3) wrongful foreclosure 4) identity theft 5)intentional infliction of emotional distress.
The day after trial the court had a “Minute Order” titled “Tentative Decision Following Bench Trail” Reads as follows:
At the conclusion of plaintiffs case in chief on the Jan 6, 2015 defendants made a motion for judgment pursuant to CCP section 631.8. A motion under section 631.8 is the bench trial analog of a motion under CCP section 581c(a) in a jury trial. Such a motion may only be granted if the court finds, after considering all the evidence presented by plaintiff, that plaintiff has not carried her burden of proof as to at least one element of each cause of action presented for decision. A motion under section 631.8 shortens the trial by dispensing with the need for the moving party to present evidence. Heap v. GeneralMotors Corp., 66 Cal. App. 3d 824, 829 (1977). In ruling on such a motion, the court is entitled to weigh the evidence, and may disbelieve witnesses. Greening v. General Air-Conditioning Corp., 233 Cal. App.2d 545, 550 (1965); Roth v. Parker, 57 Cal. App. 4th 542, 550 (1977). The court is also entitled to draw conclusions that are at odds with expert opinion. County of Ventura v. Marcus, 139 Cal. App. 3d 612, 617 (1983). A motionunder section 631.8 may be granted as to some, but not all, issues. Swanson v. Skiff, 92 Cal. App. 3d 805, 810 (1979). When the court grants such a motion, it must thereafter follow the procedures required by CCP section 642 and CRC 3.1590.
This is the courts tentative decision in accordance with CCP section 632 and CRC 3.1590. The tatntative decision will become the Statement of Decision (SOD) unless either party takes the steps called for in CRC 3.1590. In this event the court designates Defendants attorney to prompltly prepare the SOD. It must incorporate this tentative decision in Haec verba (although the SOD may go beyond the TD. Plaintiffs take nothing on the SAC.
Presently, I have scheduled an Ex-Parte hearing with the Judge for Tues. Morning December 8th. I noticed this past week, after reading the tentitive decision hundreds of time over and over there is an administrative error of the date of the contract. It reads on March 2009, plaintiffs entered in to a written agreement with defendants to modify the 2nd mortgage. The correct date should read on MARCH 2010. Reflectiong the correct date would explain to the court why I was unaware of the foreclosue that took place May 7, 2010. Our modification agrement was signed notorized in March, returned to the 2nd lienholder 1st of April, and May 1st 2010 the modification went in to effect. We were blindsided when the 2nd lienholder foreclosed. Never did I live in my home for free, I paid the 2nd lienholder throughout the approval period and was current on my 1st loan. I was shocked.
Additionally, I want to be able to submitt my evidence to the court?
Thank you so much to everyone that takes time to read my post! This has been an eye opening experiance. I feel my case shold not be ignored due to technicality, as our court should partake in a game knowing I would fail horribly because of me reprensenting myself. There is definate bias in the court system to those of us without attorneys. Trust me I tried to find legal assistance but it is difficult for an attorney to step in, so late in the game.
have to watch those dates Lisa, the further back they can date summons, anything to show that you appear to not have been paying for a longer period. It makes us the defendants look worse and more “deadbeat”. going thru that myself. Get your evidence in front of the judge asap. I am working on same.
Courts are mathamatical machines of sort…they follow what is presented to them and spit out a conclusion based on what they had in front of them…obviously you did not do a good enough job and withheld what evidence you had from the court…you must seek co mpetent licensed advice from someone who knows this judge and courthouse to decide what few options you may have…
If I were you, I’d try to reopen the matter and set aside the decision for cause… and try to get the court to rehear the matter on the grounds you have a handicap that the court did not take into consideration and you need more time to adequately have competent legal counsel appear for you.
Try to negotiate with the other side.
Republican spineless traitors at it again
After loosing 2 homes to absolute fraud, the only way to put an end to all these fraudulent foreclosures is to demand that LOBBYING is put out of business because it’s bribery of all sorts of our public officials who are allowing the banks to steal our homes….if the illegal actions of bribery is to end, it must end with closing down K-Street in Washington. I believe with my entire heart and soul that if this were to happen immediately, EVERYTHING would change and Courts would do what they are supposed to be doing…protecting American citizens from fraud….it’s a better direction then continuing in this game plan of corrupt Attorney’s, Judges and court system…we can’t win if we play by their corrupt rules….try another direction with a petition to close down the illegal business of LOBBYING….just my thought this horrible morning after yet another shooting on American streets!!!
I want to post an article that I read today from NMP (National Mortgage Professional) that I found very irritating as to the ‘truth meter’ but you all can decide for your yourselves. The link is here: http://nationalmortgageprofessional.com/news/56701/hope-now-337000-non-foreclosure-solutions-q3
If you want to send your comments to the author, here’s his email address: email@example.com
Bobbi maybe solutions for some but my loan mod is 45% of my income with 150k on the backside they want to add to and when I sign be declared as principal. Not sustainable for me. I’m sure I will be one of those stats probably on the short sale end. I was told today that living without
Health insurance was less important than paying the mtg. Well if I agree to this mod I will soon be 6 foot under I don’t know where he got his stats from but they seem minimal
EXACTLY!! Hope Now is funded by Fannie & Freddie (surprise to some). For them to inflate such figures makes them look more and more like the Good Guys. Hope Now was supposed to help those in need under the threat of foreclosure – so do you see the how ridiculous that is?! Does anybody really think that Fannie & Freddie are going to support an agency to FIGHT AGAINST THEM? That’s why this article just made my blood boil as I know that most of this is just media hype. I urge anyone to read this article and let the author know YOUR statistics. You don’t need a microphone to be heard anymore!
Improving housing market. That’s a joke. I’ve noticed a slowdown lately don’t know if bc of the anticipation of rising int rates and prices climbing but both I’m sure another Obama facade to make him look good
yes agree hammertime, 1st mod said JPMC as successor to WAMU. never quite got that one! they really do not know which end is up. also saw a MERS corp signature on their financial affidavit of monies owed. definitely bogus looking paperwork, writing on both sides of paper, looked totally fabricated and the notary seal. I have seen several different seals for notaries in ohio, I question authenticity of financial affidavit. im sure the note was passed, only one endorsement though. also missing a couple of payments on their transaction record and I have proof of every payment I ever made to chase as whatever they are supposed to be.
Hi lms so u have them stumbling 4 different times so how do u know who is “Chase”? In court at least say purported lender called “Chase”. On each transfer, refi, server change is their a valid transaction? It’s important to be clear but if ur starting point is it IS a Chase loan OR even a loan they can keep stumbling and getting do overs. Chop off the head of the snake!
Hi Hammer yes I saw Garfields post today.working on deciphering it but still there is no proof of multiple proofs of ownership other than the different lender names they have modified me under 4 to date which is still a valid stand. they just cant get it together can they? I am going to make them stumble on their words. but first I have to make sure I don’t stumble on my own.
Great posts Trev, lms but too many people lost everything and didn’t get the girl this is a much bigger fight. For me it’s love and truth in Jesus’ name no matter what the end result. So u fight on or don’t with the truth
And here Garfield again gets down to the basics everyone needs to get. Lms this has ur name written all over it and can get u to quit calling ur loan a Chase loan.
ps… what is the anti-venom or magic elixir to this greed…angst…thievery? you ask…
don’t know what that is? watch Lawless…lots of love in that one.
pay special attention to the feed lot ‘i know who you are’ …scene
shia & his object of desire are in love…find someone or something to love like that…so nothing else even matters.
yes…falling in love w fairness…justice…equality….liberty…those will do juuuuust fine. pickin’ up what i am layin’ down???
yes Trev, my mom always said the same about the lord. im fresh as a daisy and can prove it.
the Lord & his angels….’they’ work in mysterious ways…you are exactly where you need to be… repeat….you are exactly where you need to be.
guilt…its like the skunk smell…even a little on ya…and ppppeeew…stay pure…look around…the good guys/gal win…the honest ones…the cheats get hung…hang em high….let em swing….in law enforcement ideology….we call it deterent theory. the ol skull on pole warning….very effective. sun tzu
you know trev, those that are sworn to uphold the law, not manipulate mind you. the python needs to swallow them whole. I really don’t see how they live with themselves, taught one way but live the complete opposite. I would not want to be in their python trailing shoes for anything. I guess that explains some of the jumpers, I would not want to live with myself either. we hanging strong Trev because we got the truth.
lms… i hear you LOUD n clear… I have answered nature’s call in Tanzania….in the very rugged bush…w lions roaring…not a zoo mind you…and just the thought of a 16′ black mamba travelling 35 mph on 1/3 of its body….just to tell me i’m now ‘ON’ the food chain….it was a very fast P…. i ‘get it’.
pythons in the courts….perfect visual. get in…get awarded…get out!!!
here’s the deal….. there was an intervention in the dark ones’ BIG agenda…. think of it like this….at just the split second that ‘satan & his minions’ thought they had it in the bag….it went through the bottom of the net….tore a whole the size of rhode island in it…. nearly gave the Pope a ♡ attack….and knocked humanity on its arse….. some dark ones have gotten up….most will never….they’re done….dark HATES light…..
think of Oz…’I’m meltinggg…..’ & that ‘they’ are. amen. Not a day too soon.
With that said….there will be no ww iii….no FEMA camps…. no American Holocaust….I know it f.e.e.l.s otherwise but stand strong….remain ultra vigilant….we have help from above….litterally. hold on!!! keep the faith as Billy Joel might say.
FL….ah yes….another Rep. snake infested ‘thou art worthless lest you have millions and look…drive….make deposits…like us States’….I know the type (s) far too well….
ID…its missing-a-few-helix proteins cousin…
Those robbing you et al…. will be held to atone…that much is real….foreseeable and worth mentioning. When…how much…which court….those are not entirely known….in the works. Use CFPB for reporting….papertrail….etc…. file Qui Tam… remove the attorney X factor…. they all suck…too much ego…too unpredictable.
Many Judges & Law Enforcement Elite….bless their overburdened souls…are starting to ‘come to’….and you will see a war for justice mounting….the snake….to use your metaphor has begun to eat its own tail….let it. Good ones will fight for the light soon….once it s
You….stay optimistic….informed…aware…find your path out of hell w a settlement amount that will allow you a fresh start….FL in 5-10 years will be a reef….so the joke is actually on the corrupt Corps. The Blackstone Groups or whomever…..their stolen goods will be sunk like lost treasure by tide shifts sooner than you are being told….and that too is by design. So plan on an exodus but get paid first….then exit stage left….
Good Luck x3…you’re not alone and no….the dark ones never go wo a fight….and oh boy…they got one coming…. they brought it upon themselves. The Big Bully got his horns handed to him….just before being tossed from the rooftop. Splat. No tears from me….maybe i did it…maybe i didn’t….????
Enjoy the show….if you’re still standing (and you are) you’re a winner in my book.
All the best….-Trev
CFPB a front for Obuma, no justice here either.
Hi Trev, I am in 80-90 degrees of hell florida, would trade for the cold in a minute, pythons larger than life here and in the courts too, mosquitoes sneak and bite you all year long, much like the court system here, corruptness abounds here. the devil is taking over everywhere
Yes keep making complaints and would be good to see what Trevor has w CFPB. The timing is now to put the pressure on. I’m putting together way to bring info on cases like ours and coordinate complaints and possible campaigns. Again whether they respond or not let’s get them on the record and not let them use us when thry say they’re against Wall St and for Main St bs.
CFPB…. Dennis K…. Elizabeth W…. two indiv. I respect…. from afar. I say this bc. Ws I type this I to be clear…I am not mad at them….I am however VERY disappointed in their approach to ‘settlement’. I do not think my expectations were too high….if anything…they were too low. Here’s the skieewnny….
CFPB throws around massive judgment figures…. $100m here… $2.125b there…they sound so serious on the phone….’you have ONE chance to claim w us…..is your file complete….blah…blah’.
They are SUPER at process….but when you go through it….they are NOT there to make you whole….hardly. And for me….I waited years for them…so the letdown sucked. Think antartica….you hear supplies & icebreaker are coming….you hold on…hold out….the what arrives is a can of soup and a photo of an ice breaker….more of another slap in the face than anything else….another WASTE of an opportunity to get it right…..like if the cops chasing the crooks who just robbed you of house n home….not robbed your house..no….STOLE…the whole gd house n the equity you had in it….as if those law enforcement personell had squirt guns….like watching them in a shootout w squirtguns…
CFPB led me to believe they were formed to make crime victims whole…..hardly the case Ocwen’s $125 million in penalties ÷ 400,000 crime victims…well….i was fighting for $350 or a mobths worth of groceries….
To hell w them… I lost $350,000 and my neighbors (whom I adored)…my community…my credit….my safety….my dog’s safety…nearly 10 yrs of stress….
Fraud is fraud…so now I am going after Ocwen’s CEO + BoD…. w a limited CA…100 max… I am foreclosing on them…
Karma is circular. Want more play-by-play? Reach out 208.703.9525 mst.
Yeah….read the fine print….
huge figues ÷ huge figures = tiny figures.
Figures. I’m going Qui Tam…. straight to the ♡ of the FRAUD ON THE COURTS.
Boise should be listed as #1 city for corruption & fraud… the Mayor’s brother was my judge in my other loss….Christopher Bieter.. . . the deadbeat didn’t even show to Court. … !!!
Awarded FretLife Summary Judgement…..I helped take them out…w help from Dept. of Comptroller….out of Texas.
Now I have to report the db Judge & the sleazy female attorney MetLife hired to molest our Courts….to FBI….DoJ….Idaho Bar. Bar Council…. I’d rather be bird hunting w my father & Ithaca…. total time suck…. just like the FRAUD Mayor Bieter & his Brother allow…. stay tuned…. my team will chew up this filth…will be victorious….will do it w truth & style….so that IT WILL NEVER HAPPEN AGAIN to anyone in Idaho…. they will be brought to the light so to speak.
If you are going to rob/rape someone….it may help to know exactly WHO you are stealing from. My team….ww….ooooooh….they are v. V. angry w the corruption in Boise….Mormons are not used to being called out. . . Catholics either for that matter.
I am neither…..just a believer….a believer in truth & justice……you know….
‘The American Way’.
Our last Mayor went to jail. It may happen again. …. who knows. Rotten I tell ya….
Hope this helps connect some *not all* of the . . . . . . s
17′ degrees in hell….as I send this.
….and sorry for the typos…no feeling in my fingertips….typing on a phone…the pain meter is high today….very upsetting topic.
cfpb…. waste of high hopes.
Peace all. Still my trailer *rental* is warm n dry.. plenty to be thankful for. plenty!
lms… no. As of today I have lost all confidence in cfpb… waited years…weak cavalry….worthless…spineless…gummers…i need fangs at this point…so follow my tweets ‘Indigobro’.
I have invited others to join….limited class action (100) and will wait for anyone who wants to join….Idaho Courts are ROTTEN…so it is my hope my ‘Qui Tam’ claims…. will ring some bells here, there, everywhere…
MetLife Home Loans CA #1
Ocwen + predecessors CA#2
(Am home mort…. Homward…Ocwen)
also invited MKULTRA survivors into a third limited CA#3…
It is my hope this will protect us from sleazy db lawyers….and will stab the ♡ of this hydra beast…. 1nce&4ALL… or for 100 of us at least.
Targeting May 1 for filing in Ada County w DoJ & FBI copied on everything.
If they don’t ‘get it’ by then….they never will… god help us all at that point.
I’ve done my part & then some….& then some more…. nobody likes a quitter. 😉
Werewolves Of London: http://youtu.be/iDpYBT0XyvA
My case has been voluntary dismissal but I know they are going to refile. Now if the FSC won’t let them restart the statue of limitations they can’t refile I guess it will be a couple of months before we know on that ruling
trev, have you filed a claim?
I am speaking to my congress person. I am going to let her know that this foreclosure crisis is far from over and let her know about my personal dealings with the bank. don’t know if it will do any good.
I cant believe the judge keeps letting them reset hearing. obviously they cannot prove ownership. I would motion to dismiss, its enough already. these courts are just determined to give them multiple chances to steal the home. on the affidavit of amts due and owing, it is checked that chase is the servicer and holds the note, yet they want to claim fannie mae is holder
Two things about that. The AG in Florida negotiated a nice settlement for the state and if she were to try and help us little guys it further her political career
why would a MERS person sign the affidavit of amts due an owing if there is no evidence that MERS had anything to do with the loan. anyone ever seen what a ohio notary seal looks like. I don’t believe this Kimberly mcclanethan was authorized to sign.
Yeah Hammer I agree. I believe that when Ronald Wolfe was acquired by Brock and Scott that they reviewed my case and wanted nothing to do with and they dismissed it. However Chase has now Hired Shapiro and Fishman. About 2 weeks ago I got a debt validation letter from the and told me I had 30 days to respond. My old case was reopened. Y my attorney to get legal fees and cost reimbursement to me. So if they had done their homework before they sent that letter they would know they can’t do anything til all pending motions have been ruled on
I never heard of JPMC specialty. that’s a new one, but they are under the same umbrella. but don’t know anything about corporations. seems if the note was assigned to someone else, they should be the one initiating the fc. what does the judge say so far about the dates and the owner of note/mtg
We had 2 trial dates set this past Nune and was cancelled They have also claimed they could provide the original note at anytime which they can’t. They didn’t attach an alonge with the complaint or any transfer of instrument to prove standing either There are so many holes in my case that I understand why this hasent been put to rest
Yeah Chase claims my note was lost or destroyed anywhere from 2006-2009. 2009 is when they got an assignement from Citibank. My foreclosure suit started in May of 2009 filed by JPMC SPECIALTY MORTGAGE LLC. JPMC didn’t have an assignment til November of 2009 They claim it’s the same company but if you know anything about corporations JPMC is t the same company as Chase. I’m reasonably sure Chase is an s corporation
that’s right hammer, so they could further steal our property rights. AG in fl not very helpful. go to her website about mortgage fraud and it says beware of people trying to commit fraud to help you with your home, big whoop. never talks about the too big to fail banks. they are the worst ones.
The Republican Congress and corporate Democrats didn’t want any regulation or settlements so the AGs had to fight to allow us private action on guidelines violations. So u or ur lawyers have to make the case. Did u state violations and were ignored? Could be another mark against judge, court. I’m being railroaded, fighting bias as I’ve submitted multiple estimates, requests gone through multiple inspections while tenants were turned against me and funds not released so I could stabilize and move forward. So this is all gravy! At same time fighting Chase /PennyMac w one hand.
that’s the thing, shouldn’t these settlements, class actions, and whatever else we have been a part of and believe me I have been a part of them all. should they not trump the local court. chase clearly breached me and there was a class action with 5-7 states involved but it has never been brought up to the judge in the local court. it actually helps to prove my case and I fully intend to use it.
Hammertime, get your own guy out there to evaluate roof and make sure he is licensed. estimates are free. get as many estimates as you can and take the best 3 to court to show they are just bullying you.
Kent thats the kind of thing homeowners don’t react to or demand accountability like w settlements. The best example of using banks own admission was former FDIC I think employee lawsuit, Mains? re action WaMu possibly Chase.
When ur business is destroyed, credit and they take away only income left property condition becomes their excuse. But we do have rights abd their admissions on settlements. Ur right though I’m documenting their manipulation and guy told me there was just minor patch work and tenant actually joined in and asked why they needed to replace whole roof since there were no leaks. These guys are beyond arrogant and think law doesn’t apply to them. Even if they have everybody fooled and bought off.
heard that to Kent, but in my case I believe chase never sold it off period, they use fannie mae as a front to hide their bad dealings . fannie mae is a cover up for the big banks so they don’t have to prove ownership because they have destroyed the paperwork
I read on the Internet that Feds made the banks buy back a lo of Fanny Mae and Mac loans because they were bad debts
the one thing is to keep the property in a livable condition that way it gives them no reason to enter on the property. my neighbors have no trespassing signs all on their property and the one next door that got foreclosed on and they keep the properties immaculate. they obviously want to keep from being further served I know they are dealing with BOA scumbags. every mtg says the property must be maintained along with all the required insurances to bankrupt u further. sounds like they are just bullying as usual. what exactly is wrong with the roof. is it leaking and causing interior damage then it has to be repaired and they will stick you with the bill but if there is nothing really wrong , then they are harassing you. fannie mae/reo people that work on these foreclosed properties are just little people trying to make a buck. they don’t know anything, but sounds like the msg. got thru to pennymac so lay low and see what happens next. if more of those workers show up you can scare them away with a big BOO!
I’m living the nightmare with PennyMac, investors, local gov’t and side of criminal court to go with it! Last week tenants told me the “bank” was sending people to tear roof off and replace without telling me. I put out trespassing and unauthorized repairs sign. Looked like they didn’t show. Yesterday I get home and there’s a guy on the roof. I take pictures and ask him to come. I tell him he’s trespassing and to explain what he’s doing. He has no documentation and plain white van. He’s apologetic thoigh and said he wasn’t told anything. On the other hand he said contractor did show up but didn’t go forward and when they told PennyMac they were fired.
if the judge had power, maybe they would do the right thing, the judges are puppets on a string. if the chief judge allows the fraud to continue in their circuit then it is obviously much higher. contempt is a scary thing yes and the quickest way to shut the truth up. I don’t know who u r speaking about but all I know is under my house is a bunch of sand and dead lizards
He had to stop me because the fraud was staring him right in the face. 2 completely different signatures it was a blatant forgery. Also the document was so fake a child would see it. They basically forged it put the papers in the sun for a few days probably palm harbor fl then stapled it over and over. It was to intimidate me or a crack would be exposed and all you guys would have had a precedent to use in your cases and he would be the idiot down at the lodge that that screwed it up and he shut it down and my lawyer did nothing it was a game of squeeze this guy out it was me vs my lawyer, the judge, chases lawyer. If I peeped He would have gave me contempt. The power a guy in a robe has is astounding and unfair. Sit up there like big fat cat kings, rise everyone. How is that not retarded what guy is not gonna be filled with ego.
On the digging wasnt the guy the other day saying something about they wanted what was underground his house boise or something, wtf?
Pal very interested in your theory. why would the judge threaten you in court like that? I think I am dead on with Blackstone and Chase. everyone who has bought foreclosure on my street has only made the house look worse. stacks of brick in front of one house, another lady bought and had some yahoos dig up her plumbing in the back yard. they must have went 5 ft down digging and came up with no pipes (though plumbing problem), pulled no permits to do the work and now those yahoos disappeared weeks ago and all is left is 25’x30′ holes on each side of the house. Its an accident waiting to happen. and nobody is doing anything about it.
and Blackstone and Chase have several rentals around the immediate area. they bought 3 on my short little street alone. there are only 8 houses on each side of my street from top to bottom.
Ur welcome lol! Yes will be nice once we end this and can celebrate!
Wow Hammertime. Light went off. Great ideas popped into my head. Bless you. I really hope we can meet each other face to face. One day soon
Lms then did u already sign?
Lms I’m saying what may be possible as to TILA. If they don’t respond within 20 days note is void. If the loan mod offer is invalid grounds to dismiss/vacate? Or make strong counter as an answer or motion and u have them on the record. But u gotta question not just the offer but standing and debt. They may have opened the door for u. Could be real interesting. Brainstorming here.
Make counter offer stipulating they verify debt, standing.
If they can’t then dismiss judgment.
Or given new evidence submit notice of rescission within case or wait until case dismissed if no sale within 20 days.
But check w lawyer or verify as we are saying.
Do I have any recourse. They attached the trial agreement to the court file.
You need to check case law
Hammer. They filed paperwork in court showing I was in trial mod. So yes.
Loan mods are considered confidential. negotiations and should never had been sent to the court
Hammer r u saying I should do Tila rescission. Don’t follow.
Pal. Not quite sure what u mean we r being watched. I just know blackstone group is all up in this area and chase is holding their note. That is what I suspect. They want to scoop up my place to securitize the rental income because these properties rent for up to 2500 where I’m at. In Florida non homestead property brings more tax revenue for local and state govt. and then u have the smaller investors. What exactly r u referring to? Also my dog got real sick and died. Not quite sure what happened there but now the others stay in house all day. I don’t let out unless I am home.
Did they make loan mod offer within court?
Lms then sounds to me like u have no reliable evidence of a valid transaction or in TILA terms NO CONSUMMATION if it applies per TILA requirements and procedures. If you can do so within current case context or get out of it somehow and there is no sale within 20 days this could be ur window. If u send notice u will have flipped the tables and they have to go to court and prove standing and debt per my understanding not legal advice. Think it through but don’t let them dictate or off the hook.
Yes. I want to counter but not sure if I counter with bank directly or thru court. Never know who u r dealing with at bank or court either for that matter. Not sure if result would be better or worse depending on which way I negotiated
Hammer. The only recorded doc in public records is the mtg. No assignment of ownership to anyone else but since judgement. They filed assignment of right to bid to Fannie. Now they r giving loan mod under chase as lender. If there are others involved and I suspect there are but it is not disclosed anywhere in public records in the county? Where else would I look.
Lms id say u need to go back as far as possible to get a handle where Chase inserted itself and demand proof of valid transaction per the settlement guidelines. Like I said compare what’s in county records, your documents, MERS etc which u can do on ur own or with tools I’m putting together w trial group. I need to nail down court options or counter offer to loan mod offer. In counter offer u can force them to address and/or put them on the record!
Meant u need on court options
Yes Kent incompetent is the word for Albertelli. I don’t think they understand any of the papers they file with the court let alone what belongs in the right file. Is that grounds to go back to judge. If not it should be because if nothing is ever said the wrong papers will stay there 4 ever because I’m sure once they have judgement on a file they will not backtrack it unless they r forced to.
Hammertime. Yes I believe I have new evidence. I think I am out of the timeframe for Tila rescission plus there are numerous errors in the paperwork in my file. They claim a loan was made with some bank I never heard of.
I couldn’t believe what I was seeing at first then every time I questioned anything their “responses” got worse and worse. I had the chance to challenge and not acknowledge them from day 1 and then after 1st and only lawyer on false offer. On the flip side u can’t acknowledge the default in court and give judge no choice. Those trapped need to find new discovery or revive TILA rescission or other defense imo. Garfield, jurisdictionary and other legal aid advise on way to present in court and allow judge to make conclusions.
Understand Kent. U can’t go accusing unless u have the proof. But as many loan mods they have reneged on in different lender names and now they r back to chase. Something is rotten in Denmark.
You can guarantee yourself if Chase us involved there is something rotten. Have you ever noticed they use the worst attorneys they can to fight us ?
Hammer you would split your sides if you look at my case and docs
understand Hammer, I guess that means, I need to do a written request for the PSA if one exist. Its hard to go back in after they got judgement, but maybe worth it. the first loan mod they reneged claimed that Chase was successor in interest to WAMU, the second loan mod was Chase Home Finance, LLC so I know there is something real screwy with my paperwork. They never wanted to honor the two loan mods they reneged on for a reason. they also hid the first one from the courts so that maybe my saving grace of new evidence of fraud to go to the court wth to force them to give me a reasonable loan mod or else. Im not sure how judge would react once they have judgement though. don’t know if fed. court would be better. I can get help in the fed court where the cty court here would probably throw me out.
As attorney Rosen said never bring up fraud in court let the judge do that. If your case is strong they have no choice but to rule in your favor. I like you have been fighting Chase for seven years. Now this will be the third Lawfirm representing them
Pal ur exactly right on land records. The cancer has spread to real estate “professionals” , investors from small to corporate. A couple of years back I looked in my area and tgere was a property that stuck out like a sore thumb. It was listed as an llc and had about $6 mil balance on $500k property. I raised this as an issue w local officials but they played dumb or it was over their head. I looked in lms area and it looks like properties have a bad case of MERS. NEWER filings that look like part of overall cover up. There’s a movement to audit property records at city and county level so this isn’t the time to give up even if uve lost ur home.
I had a house next to me that was foreclosed and the lady had BOA as servicer and I looked on public record and saw one of those MERS doc recorded. I did not check the date but I could swear that was files after the foreclosure. I only have chase mtg doc files with my county, no body else, no other deeds or assignments, nothing. that’s why chase has always been the holder and everything else. there has never been any evidence that I was part of a trust but Chase has strung me along for 5 years claiming the investor has to decide. if I were to let my house go, I just wonder what fictitious docs besides the ones the courts add in would pop up in public records and to look at this loan mod I got, it show chase again as the lender and the notary for chase’s signature appears to be in Michigan. I was told it would be recorded but I have my doubt and if the 175k they added on the back end is for servicer advances, they can shove that 175k up their a** and then once you sign the 175k becomes principal of the loan, what a maroon.
Ok that is where u can make a breakthrough. The bankster and real estate people want you to believe that whatever is filed w county is all that matters. Whenever u say it was always a Chase loan is exactly what they want u to think. They used exact wording w me althoigh their people were referring to my loan as a WaMu loan! Then I saw that MERS had old loan as active w different investor / servicer 3 yrs after closing! If there’s fraud involved the point is we DON’T KNOW which is why you don’t acknowledge pretender lender or bogus debt if u have no PROOF of their claims besides fraudulent filings w county and everywhere else. No matter what u know u need to look everywhere the “lender ‘ or “servicer ” COULD BE listed. If there’s any possibility of multiple claims or fraudulent transfers etc there’s ur cloud on title and u can tell Chase to stuff the whole fake loan.
What will be recorded on property record after all is said and done is fannie will own the home. Our good old government owns our homes. Maybe some syrian refugees will be living in it soon. I keep planting seeds in the conspiracy direction because I think the guy the other day said it, it seems they targeted us for some reason wether it was clouded MERS homes with clouded titles and they jumped ahead of it or some other sinister crazy plot to steal our homes I understand greed and power its in everything but my gut is kicked that this is much bigger secret group with a much bigger overall mission. Sleep on some of the small nuances of all your situations, like I stated who the f#%! Takes helocs and refinances over and over every month for years look around your block and you will know who knows something. By the way look now after this all hit none of them refinanced again since. If you look at who these people are they will always be tied to a person in the know usually all government employees or members of some local lodge if not a secret club. Find just one of these people in foreclosure you cannot, no connected person to the KNOW is affected period. These are the ones now scooping in for further vulture kill or be killed and investing in the carcasses.
as my judge hit the gavel I yelled I would like to speak and have my day in court. The judged looked not at me and my wife who have suffered years to get to that moment, he quickly veered over and said to my lawyer I want you to listen to me if you allow them to speak I am warning you they could fall into “unintended consequences” my lawyer shit his pants and waived my right to speak.
i knew that moment its all lies, everything we as americans were raised to believe work hard, do the right thing, justice, the american dream, the system is pure 100% corruption.
If you have the heart by all means fight. But we realized quickly how bad it is. As hard as it is to let it go for Justice sake. The major issue is you dont have a chance its like a lottery that could only be if some major press in your case could get out but that wont happen press wont say a peep their owned.
The emotional soul toll wraps you up in their clutches and they are well aware of your pain and know its to their benefit to drag you around for years if they have to they may even literally feed on it.
I want to cheer lead every single effort you make and high five your battle victories. If I was your brother I would tell you however its fixed dummy! They are all in on it! Like we were saying with Trev the other day judge, lawyer, realtor its a big show. If everyone starts to look under the veil mostly all foreclosures do not happen to certain people right in your neighborhood furthermore Ready!
Search your towns land records and look at “certain” peoples past documents one after another every few months heloc, refinance over and over these are people that do not need a heloc to refinish basement, pools. These my friends are the ones near you that are in on it and stay far away from them they are waiting seeking to devour you and your family. It is not for fixing up the house its money laundering and its how they get paid for being foot soldiers gnashing of teeth. I have seen this go on too many times people kept fighting trying to go after the judges bond, the whole sui juris thing, complain bar lawyers. Get a tiny house and a tiny job low overhead and enjoy freedom while it lasts live just outside their matrix as much as possible. Save the toll, soul get to peace and love thanksgiving wait for the day of justice it feels like its coming soon!
pal, this generation needs to leave the electronics alone and wake up to what is really going on here, Americans are losing their property rights, one of the most sacred things that make America great. these kids are saddled in debt, student loans, etc. I have seen so many newly built apartment complexes go up in my area because people either cant afford to buy or do not want to. Black Friday makes me sick, people getting in more debt. I have never ever lived beyond my means yet Chase is trying to blame me for their BS. Yes it does appear to be a losing battle in the courts because the entire govt system is reaping benefits from the fraud, but for now we have to do to know we did all we could and none of us should settle for less even though the deck is stacked against us.
Amen, I had one of the most open and shut cases I win, nope. They shut it, everyone of them everytime. I screamed from mountain but your pushed further in weeds until your suffocated.
You are so right we have let them own us long ago. Just think of the snake oil salesman. See this 10k worth of 2×4’s we will build you shelter with it on that land right over there its high demand walmarts a few blocks and every jones family wants to be here. But, you will have to pay 300,000k plus our vig/interest because were the bankers. I know you cant afford it so I will own you over 30 years of your toil and it will be totally worth it cause you will pay me 1million by the time your sixty. Sound good? Ok and also this tax guy here you need to pay annually for the land as well and our rates not fixed so every year of the 30 years we will raise that its not fixed rate. Ok and this insurance guy pay him to protect our interest in the home you own. Ok and this guy is land use board if you need a fence or want a pool on your owned land you need permission to use said land and a lawyer to get a variance. Ok and if bills are tight paying and you need xmas gifts this guy will give you a plastic card like your mortgage so your kids and you can still get what all the jones have or want displayed on our HD commercials. Ok and dont speed to get it cause our men in blue will hide behind trees in a 25mph zone just by walmart as your rushing to work to pay us and hand you a bill but dont fret they take credit cards now, and on and on andon and on. Ahhh home ownership the american investment, listen heres a bone all that interest its tax deductible its good debt. How dumb are we to have let this go on!
Well said. It’s called the American way Aka the credit trap
yes pal and kent, and I would like to see more places besides the inside of a house that I will be enslaved to way beyond my death. unbelievable the loan mod, deeper in the hole! maybe I should give the new generation more credit. they know something we don’t about home ownership. the banks make it a drag on finances. as the state of Mass. says “LIVE FREE OF DIE” or that might be Maine, anyway I like it and am going to live the rest of my life by it.
I recently saw where a guy was running for state representive here in Florida and asked him 4 times what was his plans on the bank foreclosure frauds commited here in Florida and he ignores my question Obviousley something he doesn’t care about. Our attorney general Pam Bondi could care less as well since it won’t her climb the ladder if her political career However she negotiated a really good for the state with the banks but didn’t help one single homeowner
They have us divided strong credit vs those deadbeat subprimers losers cant pay bills. All of us fighting mortgage fraud stand alone. We dont need to occupy and sleep in park with signs. When everyone wakes all we have to do is collectively stop paying mortgage and slave debt.
You see we are missing and have left what makes us strong like IMS is saying slave debt in our livingrooms. Watching black vs white dem ve reb gay vs christian womans rights vs abortion war vs peace they gave you an identity whatever you believe they keep you divided.
Remember little house on the praire. Thats what needs to be a “kononia” of righteous community minded individuals prospering together not being divided.
Co-op small land with cabins or old trailer park with trusted people fix em up barn raise sheds together fix each others plumbing generate common funding for overhead live simple. Drink beers bbq campfire and avoid the man in blue DUI and stumble to you cabin, lol but this is what has been stolen. Occupy your mind, live, love, give. If this place existed were good people you could trust, real friends join together and go back to old school community I would love that. I GUESS that is where the word Bohemian came from. Google that, bohemians said F””” this and made communities and did creativity and jammed with each other broke bread together That thought though would be labelled ” losers” today.
I agree w most of ur specific recommendations Mick but lms and i have been fighting Chase for years. Hopefully she has done what we’ve recommended here. Like u said all she needs is one violation or breach which we all layers on top of layers BUT THEY ARE IGNORED DUE TO BIAS AGAINST US! No report is going to change that while some lawyers now offer free analysis. I believe LMS has hired lawyers in past and they prob abused her ans broke the law. We have to keep engaging and involve officials tgat aren’t doing their job.
I agree w Bobbie as well but we do have laws and agreements but tgey are NOT ENFORCED. That’s it’s not just about saving homes which imo was Occupys mistake or as here in LA tgey got their compromise ie “sold out?” And went home.
We don’t need to get into 100 yr old agendas and quit following individual agendas. We need to focus on facts and the deprivation of our properties and other rights as a group.
agree with you Bobbi and Hammer, will not change anytime soon. obuma in bed with bankers. the dems side with banksters. Hammer, had cronie attorneys who sided with banks attnys. never brought up the pertinent facts about the breach. my only hope now is go back to get judgement vacated on grounds of items that were not part of discovery which I have, the bank’s attorneys misfilings of papers that did not even pertain to my case, ex.some loan that I never had with a bank I never heard of, and they hid the breach loan mod from the court. any other suggestions are welcome. I could take loan mod they have offered me and get judgement vacated that way and then go after them later. I am so confused. I do not want to sign the loan mod. is it true what mick said that I would be forfeiting my rights for a re-hearing in florida?????
Lms weird don’t see ur post I’m replying to but as we talked on the phone u must review what u sign if there’s any such language waiving ur rights. Banks are already doing that w TILA rescission. You have the right to make a counter offer and demands re ur concerns. Even if ur officials are Obama haters or lovers u need to get them in the loop. We have to be independent and most of us fighting are one step away from streets or on the streets or our cars and not concerned w the rhetoric of dem/rep or deadbeat/free house. It seems that’s ur main stumbling block.
Mick, we are on the same page I think. already contemplating vacating judgement based fl. statute. on everything mentioned in your comments, more than 1 material fact issue not addressed that was left hanging. new loan mod stills show chase as the lender yet they claim fannie mae is owner/investor. there are no new deeds, quit claimed or otherwise. I believe chase has always held the note as well as mortgage and if not why are they giving me new loan mod under their name. I think they are counting on me signing loan mod and I will go away, but I have already contested the loan mod docs thru the bank for now while I figure out what motion to file. im sure albertelli will be back in there soon enough pushing foreclosure sale.
Mick. Chase reneged on 2 loan mods and I was part of a class action where they were sued for breach. That class action went on for 4 years and the bank dragged me like a rag doll. All I wanted to do is get a reasonable payment and move forward meantime I got slammed into foreclosure in 2012 and judgment in March this year the complaint was wrong saying I did not make a payment since 2009 when I was in a loan mod. I don’t know if it is too late or not but I feel if I don’t take loan mod. They will just push sale.
LMS, the key words are the first 5. THEY reneg’ed. They Reneged because they COULDN’T enter in to the mod. contract because they likely no longer were Either Owner or Holder of the Note (keeping in mind that SERVICERS don’t have authority over agreement on modifications any more than FC’s). They were sued for breach (far more than once) because, again, they were ‘negotiating’ (not really, but YOU thought so), when they no longer had authority to do so after having SOLD the Note[s]. All You need is one single solitary ISSUE to challenge, to file a motion for rehearing, (expires after 1 year…at least in Florida) and where I’d start looking is the CLERK OF COURT’s PUBLIC RECORDS! You likely have MULTIPLE Quit Claim Deeds already recorded against the property, trying to clear up the CLUSTER they created w/”final summary judgment”(which NEVER should have been granted in the 1st place…NO Question of material fact can remain unsettled for FSJ Order to be Granted), because they brought or completed the action w/o standing. Chase sold nearly 97% of all notes to REMICS via MBS, and they were PAID for Your note, there and then.
Stating in a complaint that ANY Payment missed that was PAID is grounds for re-hearing. You shouldn’t take the mod. as it’s a way for them to cover their tracks. DO YOU THINK THEY’D EVEN BE OFFERING YOU A MOD. IF they Had Grounds to SELL Already? Guess again, YOU and Your Stuff would be ON THE CURB…back in JUNE! There ARE (not ‘were’) MAJOR Problems w/Your/THEIR Documentation; the fact[s] that:
1-You’re still there, and
2-They Are Trying to do a ‘mod.’ (which likely they STILL don’t have authority to “DO”), and
3-They HAVEN’T Moved forward w/SALE Procedures,
ALL prove the point.
You NEED to either look yourself, or have a professional LOOK at everything in Your file of everything they or the court mailed You…because LMS, there Are Problems, holes in their case big enough for Mack Trucks to drive through; or You’d be typing to us via the wi-fi at a hotel/apartment/McDonalds after having already BEEN displaced. They don’t ‘allow You to remain as an act of good will….<–Banks don't know the meaning of those last 2 words.
Steps to take:
1-Collect ALL Your mailings from them, the Court, any attorneys involved on Your or the C/A Suit's parts.
2-Sit down and put them in 2 stacks (YOUR action in 1, the C/A in another)
3-Chronicle Everything in Yours by DATE, oldest to newest. NUMBER THE PAGES from 1through the end. Get a big alligator clip and remove ALL the Staples. Clip the Pile.
4-Find a friend or neighbor who has a good SCANNER(which does a min. of 30 pages at a time) [Note:Don't take Your monster REAMS of document[s] to Staples/OMax/Off.Depot as they all now charge $.50+/-PER PAGE to scan to a zip/flash/thumb/SD drive and that's insane. Just paid $187.+ to do 1 'on the road' away fm. MY Scanner this morning. Don't waste money if You can avoid it. Find a friend, dedicate an hour and get it done. Once You HAVE it done, anyone You trust to help You can download it in less than a minute, OR]
5-Take Your document to them and SCAN it to a (preferably YOUR) computer, SD or Thumb/zip/flash drive AND:
6-Upload it to an online hosting website (like dropbox), then reach out to either professional FC Document Examiner[s] (of which I'm 1, but only for FLORIDA…no other state), or ideally A Lawyer, or Paralegal and give them some time to go over EVERY PAGE. Once they've FOUND the reason[s] You're STILL in Your House, You need to file that Motion for Re-Hearing, because 'newly discovered evidence', fraud, fraud on the court, and/or errors & omissions are all grounds for rehearing, in nearly every state.
I AM NOT A LAWYER, never played 1 on tv or radio, am not giving You legal advice and HIGHLY Suggest You do Your own research and secure a competent Attorney who SPECIALIZES in FC Defense, as I assure You…something is rotten in Denmark [read=YOUR Bank's Documentation, regardless of what the COURT RULED!] and it's there in bold faced type, however they know their hands are tied and A MOD. is their only way to have You waive Your right[s] TO that RE-Hearing!
Simply put, CHASE took bailout money. They AGREED in that 'gift'(of our grandkids TAXES being unfathomable) to reduce principal and REAL Mods to correct former error. They've SETTLED Many Of those C/A Suits over failure to adhere to the LAW, both state & federal.
Promissory Notes, are exactly the same as Written and Signed CHECKS. Once 'endorsed', in Blank, they are checks, made out to: "Pay to the order of CA$H", meaning the HOLDER owns Your purported 'debt'. When they SOLD Your note, could THEY be paid more than ONCE for that 'check'? Well? Does ANY Check remain 'redeemable' for any FORMER holder of IT? Did they not ALL get paid when SELLING IT to the next 'holder'?
Why would YOU as a purported signor of that now 'negotiable' (AND NEGOTIATED…meaning already SOLD) instrument, allege YOUR Further financial responsibility to somebody You — USED TO OWE, but no longer do, because they ALREADY GOT PAID?
That's what a mod. will get You…confession AIN'T good for the soul in this case…it's suicidal instead. Don't give away Your rights without knowing what they were…FIND out out how bad they messed this up, FIRST!
Shutting up now because I just keep getting further behind every time I get a new email posting from here! <–I know, shame on me, however there's only so much to go around and running out of 'me' stinks.
I think plan of action should be breach of loan mod. they also did a good job of keeping it hid from the court until they got judgement. I have EVERYTHING to show I was in loan mod, all cashiers check payments for months until they reneged, kept paying them waiting to see loan mod recorded in county, then they made some lame excuse and wanted me to go thru process again. I have proved to them over and over that I can pay but they don’t want me to.
mick, I would like to speak to you, is that possible?
I never did and never will understand why homeowner’s enter a loan modification. If any lender could (legally) do a loan modification they would do so wherein the paperwork would be properly signed, notarized and RECORDED. Noe of the loan mods that I’ve heard about or witnessed on my own, have ever been recorded. Mick is so hitting the nail-on-the-head. These bankstas don’t own the note and mortgage and servicing agents don’t have the authority to modify. Besides, clearly 80% of all mortgages are bundled up and sold in Trusts or REITS which makes it nearly impossible to do a loan modification since ALL owners of the Trust would have to sign as the “owners” of the note and mortgage. These loan mods were just a ruse to get more money (extortion) out of borrowers. They’re not out to help you save your house – they’re out to line their pockets!
yes bobby I believe you completely. I do not want to sign the mod. if chase has been claiming that fannie mae is the holder, how can they make a new agreement under their name. shouldn’t it be the investor. what can I do???
I’m here in Florida fighting Chase too In my depossission Chases attorney told me it wouldn’t do me any good because my payment wold be higher than it is. Then turns around and sends my attorney a link for a loan mod. To show you how stupid they are. The banks attorneys last question to me was am I prepared to pay this in full today ? I asked well how much is it ? He responds with after shuffling some papers around and says I don’t k ow My response to him was then I can’t answer your question if you don’t know My attorney got a big kick out of that
kent in attorney lango ” I don’t recall” LOL these attorneys have no clue what u owe. they do not want to get that deep. they have to offer a loan mod. but they are no good. I contacted my congress person although I really don’t expect too much there, but I am going to let her know how they have tried to bully me out of my house. Now they are nothing short of extorting me out of it. blackstone group has bought up in the area. rents are high and they are just looking for another home to add to their securitization. I have known that for a while. they knock on doors around here asking people to sell. I want to believe like mick said if we have managed to stay in our homes as I have in mine 6 yrs already fighting, there is something the banks don’t have. I know standing is one from the complaint, also the day that they claim I have not paid them from is seriously off. I am in the fight mode again, not giving up yet! don’t let these POS attorneys intimidate you. that’s how they operate, the scare tactic like you need them. Just the facts officer and I HAVE PLENTY, whether they will do any good or not remains to be seen, but Me, myself and I are going to the judge with them. any attorney I ever had for some mysterious reason did not want to let the judge know how bad Chase has worked me over.
Co-op small land with cabins or old trailer park with trusted people fix em up barn raise sheds together fix each others plumbing generate common funding for overhead live simple. Drink beers bbq campfire and avoid the man in blue DUI and stumble to you cabin, lol but this is what has been stolen. Occupy your mind, live, love, give. If this place existed were good people you could trust, real friends join together and go back to old school community I would love that. I GUESS that is where the word Bohemian came from. Google that, bohemians said F””” this and made communities and did creativity and jammed with each other broke bread together That thought though would be labelled ” losers” today.
yes the banks have broke down communities and destroyed lives. all govt wants to control us , cops, courts and all the other pathetic powers that be. they are the losers, insecure in themselves and their messed up lives so they want to mess up everyone elses.
Two words…. Qui Tam.
I also found out that the first payment I made to chase back in 06 was not on their record. why is that, but the loan mod payments that they reneged on, they tried to combine to make up the old payment, but I have all the paperwork where they told me I was in a trial mod, plus the permanent loan mod that I signed and returned that they reneged on and it is all black the paper as if they were trying to conceal it from my files with them.
I go back to Bloomberg article that was a leak from the powers that be if we want to get deep. It described how there has to be a narrative that allows a bubble to grow with pure belief where no one questions anything even when truth is right in front of them. They were talking about China as if it couldn’t happen here but bubbles in general. Doesn’t matter who or why as long as people don’t think and don’t react.
HAPPY Thanksgiving Everyone,
answering fm. the top this time, caught in rural Hades w/limited wireless & having to prepare now a last minute motion for continuance (imagine this, Mag.Judge says [On 11/17…”Evidentiary Hearing GRANTED, March 8th, 2016 1pm”] Then Last night, get notice in Mail, “FINAL HEARING Granted, 1/12/16, 0900” Latter fm. Circuit Ct. Judge, Superior to the ‘FC Court/Mag.Judge’s decision)…I wonder who they’re going to SERVE NOTICE ON, FOR FORMER PLAINTIFF’S COUNSEL(as former plaintiff’s counsel has been disbarred & dissolved in FL., since 06/14)? Also have to file subordinate motions for subpoenas, complete another document examination, trip to office max for lots of copies, and 2 more examinations to complete just to make things fun on top of a ‘statement of transcript’ (highly unusual circumstance when court reporter was absent like Ham v. Nationstar, where orders were issued verbally); How fun can 1 Thanksgiving be? So much for ‘Family’ While we battle for their inheritances. Will be fwding samples to those who provided emails soon as I can,
Hammer, this has been a long term agenda since 1913 w/the advent of both the IRS and FED compliments of our infamous POTUS, W.Wilson. Back in those days when You couldn’t keep Your pants on, they didn’t impeach You for lying about it, they took the COUNTRY to the CLEANERS! THEN came FDR, brainwashing the masses that gov.org was the end all and be all to Every-Thing, capable of curing ALL Woes, then came LBJ w/a ‘war on poverty’. The department of Education’s job for the last 5 decades has been to DUMB DOWN both the students AND the TEACHERS, and finally the Teachers(Professors) OF the Teachers, to assure a brainwashed electorate/masses who are just smart enough to log on to facebook, twitter, and publish lots of selfies, however not smart enough to reason, use logic, and examine their surroundings and dilemma honestly; smart enough to be good workers, never smart enough to challenge ‘Authority’; 2 cents proffered. & FYI, there Are ALWAYS those who both THINK, and React….because IF, “IT” happened AnyWhere before; “IT”, most certainly CAN (And Probably WILL) Happen Here.
There are NONE so BLIND as them who CHOOSE not to SEE.
Praying a safe and enjoyable holiday to You all;
Pal, its about stripping our property rights permanently and as long as the courts go along with it, we are in trouble. if big banks like chase and real estate investors like blackstone work together, they will have all of America renting and not owning.
& w/75,000,000 MERS Securitized Mtgs out there already, they’re well on their way. Eventually the BANKS rule the world which is how they always wanted it.
YOUR Posting is exactly right and WHY Every FC, & FC Defense Lawyer is leaning over the edge to hear the FLSC’s Opinion and final decision on “Bartram”. as EITHER Statutes MEAN something, and were written by the legislature for a specific PURPOSE, or they don’t, and the judicial branch is out for anarchy as much as the Banks.
EG: WHY even HAVE a Statute of Limitations, for FORECLOSURE ACTIONS, AFTER Acceleration, AS A LAW, when the [purported] Lender/Note Holder/Servicer/Mortgagee, can simply, AFTER FAILING to prove their case, RE-File, moving forward to the first month Prior the S.O.L.’s ‘expiration’, claim default from THAT DATE forward and re-sue You repeatedly, the number of times there are PAYMENTS REMAINING on the Mtg./Note? Since WHEN is a Mortgage/Securitization/Promissory Note on a piece of Dirt &/or structures ANY DIFFERENT than Any OTHER Installment contract? being sued, for the next 30-40 years, by lenders who can’t get it in a pile with a backhoe, with HEADLIGHTS is about as exciting as eternity in Hades (but THAT is what the Bank Lawyers are arguing, along with “but they’re gonna get a FREE HO– USE JUDGE!”
“…the concentration of capital and the growth of their turnover
is radically challenging the significance of the banks. Scattered
capitalists are transformed into a single collective capitalist. When
carrying the current accounts of a few capitalists, the banks, as it
were, transact a purely technical and exclusively auxiliary operation.
When, however, these operations grow to enormous dimensions
we find that a handful of monopolists control all the operations,
both commercial and industrial, of capitalist society.
They can, by means of their banking connections.”
-Vladimir Ilyich Lenin
Now simply substitute GOVERNMENTS and Federal GOVERNMENT for ‘capitalist’ and ‘capitalists’ above.. We Already Live in a Socialist State. And All the animals on the Farm are Equal; it’s just the Bankers (read=PIGS) and Government are a little (no, actually a LOT) ‘more’ equal than any of the rest of us. The collapse of The USofA becomes painfully predictable when the rule of law, becomes segregated to “Us and THEM”. WHEN the masses (even of homeowners) discover the reality, which ain’t hard now on the internet….the system collapses as nothing is perceived to any longer have ANY VALUE which can be reasonably secured by “OWNERSHIP”.
thank you for your comment Mick,I too,am having a thanksgiving full of “what do I do” I have been given a loan mod that further drives me in debt deeper than the bank already has. I would have filed bankruptcy, but I have a rental property and have no debt than my mortgage so it just has not made sense. if I take mod, they will reverse judgement which is the only positive I can see in taking the mod. no more lawyers, cant afford them. the mod payment is 45% of my income, manageable in the bank’s eyes but not mine. I feel I am being extorted because if I don’t take mod, they will hold foreclosure judgement. this is what I get for trying to work with the bank for going on 7 years. any advice is appreciated. don’t really want to sign the mod.
yes this house that used to be a home holds no value to me other than keeping a roof over my head till I can find somewhere more manageable financially to live. when “anything” has no value to a person, they need to let it go. ownership is a big word with a “home” but not so much with a “house”
I think You really need to re-evaluate WHY You consider a ‘mod’ a good thing, versus simply striking a ‘cash for keys’ deal as it sounds like You’re “Over” the whole battle? Attorneys aren’t always the answer and sadly the bad 1’s give all the good 1’s a bad rap.
I would Check to find out where YOUR AG’s office came down on the 49 AG’s v. BoA (& ALL the OTHER Mega-Banks) for all the violations they ‘settled’ on? IF Your mod, was being negotiated (or forbearance, or ANY other type ‘negotiated settlement’) WHILE Your FC was being DUAL TRACKED….they owe You Big time, although those funds have typically been disbursed to the AG’s Offices.
IF You have dramatic equity in the house, selling might be an option, short sale if not, and IF they have bogus docs, FIGHT, FIGHT, FIGHT! Because they can’t PROVE Standing means they don’t/didn’t & might likely NEVER Be able to PROVE their ability to FC on YOU?!
Good (& bad) news is that after 7 years (like us) SOMETHING is definitely WRONG.
IF YOU don’t know, and former attys don’t know WHAT that ‘something’ is,
You need to figure it out before agreeing to anything, or making ANY plans toward any type of ‘exit strategy’. IF they messed up, how’s it YOUR fault?
Furthermore, as we all grind away in our lonely solo wars and share the battle scars, I would like to step back and get this thread to look back.
Over the years through sharing tactics and personal stories I have heard little bits of strange occurences prior to foreclosures. I have heard countless people describe bad neighbors causing pyschological harm. Calling the town, calling Child Protective Services on kids. Several people were not behind on payments just yet and tried to sell the homes and the Realtors purposely held back the property, would not show the property, blew the contracts up. I also recall someone saying they could swear a shill had put contracts on the home and bailed last minute just to cause harm.
Can we all start to meditate if the possibility exists that the banks had help from foot soldiers early on and if your friendly local yocals from town, were in on the secret of the bubble. Investigate if its at all possible and this may be why a statement like Trev makes us sit up a little bit. Could this all be for more than the money and greed?
ooooo ooooh ooooh… red hot red hot…
It IS called human hunting…
‘T.I.’ – targeted individual.
I will share what I saw/experienced…you are bulkseye on… they watch us….but now….the hunter/abuser is being hunted…as this board will confirm/nod uh-huh….there is always a bigger dragon.
Some are both smaller AND bigger… 😉
do not give up…..watch Fight Club.
I ♡ you guys/gals….we got this.
Thanx IMS, ok thats a valid take. Im wondering if Trev is hitting something deeper. Like Freemasons? And their involvement in all this. Like is any single person thats been foreclosed a freemason ? I think not, im sure your lawyer and judge and mortgage guy is. TREV EXPOUND WISE SON
sorry trev I mean the properties you still own.
Pal, in real estate lango, what trev is trying to say I believe is that the properties he owned were “desirable” in the real estate world meaning the bank knows they can get their money and then some mo money. same situation with me. their greed does not end!
what these banksters did was destroy the moral compass of America dreams. the one thing that most of us are most proud about, owning a home and they have and continue to try to destroy our property rights and as long as someone like Obuma is the commander in chief, nothing will happen. it is one big govt conspiracy imo. TRUMP 2016. democrats and the banksters in bed together. my neighborhood is full of blackstones rental properties where they have bought up foreclosure and guess who holds the mortgage on the properties and their contents. JP Morgan Chase. In florida when a property is not homesteaded, it brings more property tax revenue so all the govt gets paid. that’s why chase wants my home. I have a loan modification, but it says that if I were to ever rent out my house, I would void the contract and be immediately in default, in other words ” Do as I say, not as I do”. yet Chase and Blackstone are in bed together renting out my area. Scumbags all of them.
Mick good morning. I gave you my email address can you send me the sample of what we were talking about ?
I’ve been fighting my foreclosure suit for seven years. Back in February my wife tried to commit suicide. So I understand the stress. That’s what they hope for that you will give up. DONT !!
Anyone after sheriffs sale getting any deficiency judgements? If so how long after the sheriffs sale did you get notice?
It’s the fact that she never held that title. She was a document processor, not a VP. See Kennerty depo from Geline where he describes her actions.It’s all forgery. Affirmation without knowledge.
I watched “The wizard of oz” the other day to get in the mood. Everybody should watch “The Secrets of OZ” to realize how phony the money system is.
Then you had the CA DOJ prosecutor that had Chase in his sights and he was benched before the big $13 bill settlement / tax break. They’re getting away w it imo because they’re controlling the story and have us arguing on the sidelines. Kind of like the football game in the MASH movie lol! Just popped into my head!
Rin tin tin exactly! I have letters, data from Chase/PMac not only telling me but city officials black is white and they’re still threatening me w jail! We all gotta read Alice In Wonderland over the holiday to stay sane.
“A Clockwork Orange” or “1984” are FAR More Appropriate for depiction of what’s REAL in our world today.
Hamstring-I tend to agree. Why else would the BK trustee lawyers (DOJ) sit on their hands and let it happen? False claims right in front of them and they torture YOU. The guy at BlackRock who handles the Maiden Lane assets sure ain’t talkin’…..
Trev way to stay in the fight take take a breather everyone time to pop their bubble !
The stress is starting to get to me. how long will this go on?
@rinnie mini we’ve gone thru MERS, sig is all that matters, non jud’l, securitization, bk black holes and the deadbeat / free house worm hole u and others keep pushing! It’s the fed and every politician, judge, lawyer, real estate broker, investor that corrupted everything to steal our homes and keep us trapped.
Hey Der Ho Der. usedkarguy here. @hammer-I don’t know WTF you’re talking about. See my posts at rogerrinaldi.wordpress…….
The only black hole is the one the oney comes out of at the Fed.
re “losin’it”, hanging out in BK Court while the pressure builds. Still in the house of course. Putting together another fraud suit as there is no jury trial for a foreclosure. The Wolff case is on my reading list right now. Lots to do.
Happy Thanksgiving everybody!
great to hear you are still in your home!!! we are too!! in court for 2nd foreclosure. They seem to not be able to come up with discovery a 2nd time now? 1st forclosure apparently they had the note and mortgage? this time the mortgage is lost? and they have an affidavit signed which we all know are signed by document mills, who send a robo witness to trial who we know has no personal knowledge of mortgage. its going on 6 years our fight since obamas hamp modifcation started to steal homes from around the country. still not understanding the undated , endorsed in blank, with a robo stamp os joan m mills?
YES happy thanks giving everyone, we have alot to be thankfull for
The hone MetLife Home Loans & American Home Loans Servicing 3 (to a higher power)….my homes were my ‘plug-in’ points if you will….i am a superconductor….trying to be a super conductor…a leader worth following…scars an all.
My 2nd home stolen was ON the focal point of earth’s ♡ chakra…..litterally the center of the quartz/diamond of this planet….the city of Boise expanded from 1018 North 15th Street…. the Freemasons knew this….in 1911…they knew this.
Some (on the darkside) were willing to bet the farm….to steal the house (s). So they did….but they forgot that the sword of the lord cuts in both directions….the sunshine pendulum they never saw coming….i share these details as the drama plays out with its scripts….characters….heros & villians….fortunes & foreclosures…..
I have very deep/wide top of the pyramid contacts….and am prepared to call upon those willing & able to assist. should you join me….KNOW in your ♡/♡s you will not be left in the cold….again….we are not alone…and the offenders/guilty will fall…are falling….let the truth rise…let the light *level scales of justice* be recalibrated.
so it was written…so it shall be.
Ok im intrigued. Give me more. 🙂
Hello my fellow bravehearts.
Despite rumors to the contray, I am alive and well…calling $1them like I see ’em…calling them out when I need to.
Still in this dogfight….leaning hard on powers above….to help w this (our $#!# show from below).
I am lobbying for removal of a Judge….here in Idaho. Christopher Bieter *mayor’s brother*…..runs in the family….. in my 16 yr experience w both..not to be trusted for any reason….ever.
I am also posting to invite you to a limited Class Action (Qui Tam) suit to be filed in Ada County, Idaho… on behalf of a Class (you?) who may have suffered financial loss as a result of Fraud/RICO/Breach of C/Discrimination by Ocwen Financial, CEO + BoD and it’s predecessors American Home Mtg…et al. It will follow in the path of CFPB’s $2.125B ‘order’…& DW’s CA Class-Action suit…recently settled for $150m.
I will limit the suit so that settlement will make a material impact toward your losses…$1,350 would not cover my storage bill….let alone 10 yrs of equity….in a small but fine 2bd 1 bath in Hyde Park….the neighborhood they now have a tv show depicting….
If you care to discuss this…or a 2nd planned suit…Ltd. Class-Action….against MetLife Bank…CEO + BoD…please reach out.
100 seats open on each.
Filing will have Fall/Winter ’16.
godbless you n yours this Thanksgiving/Christmas/Hanukkah Season of light..we shall overcome.
Trevor David Hitchin Kaufman, mba
501 E. 44th Street Trl#4
Garden City, Idaho 83714
I am not an attorney, never want to be one…this is not legal advice…just an invitation to a justice party from a fellow survivor/fighter.
see you (& them) in Federal Court.
Keep the faith!
I second David Black. Amen and Amen!
Mick, the fraud is known as every presidential candidate claims to be against Wall St. The percentage doesn’t matter thry can’t be trusted no matter what magic research u come up with. It’s homeowners that fought the deadbeat myth that has got us this far. If anyone thinks Trump or Clinton are the answer will never learn.
amen amen amen amen
Foolish, foolish thinking if you think that it’s been the homeowner’s that have made any progress thus far! If that is the case, name me just one federal law or state law for that matter that represents any type of success in stopping the banks!!!! If we are to succeed, then those that created this mess (Wall Street and the Banks) then we either have re-instate the Glass-Steagall Act or re-write it and get it passed. You think homeowner’s have the capability of doing that? Hell NO. It takes a cleaning out of DC and electing those who will do the right thing and put this country back together. Someone who’s not ‘obligated’ to Wall Street or funded by the banks and who does that leave? Who is out there who isn’t already accepted donations for campaign funding from the thieves in DC? Who has more money and net worth that doesn’t give a Da** if he gets paid the $400K plus salary? I, for one, am tired of electing those candidates who, before they step out to make their first speech on the campaign trail, are already a begotten slave to the cronyism in DC. Oh, we’ve made some points in the courts as far as small wins, but that’s not enough. Compare those to the vast amount of foreclosures, etc. since 2006-07 and the number is minute. We had a chance once with the Occupy movement, but we dwindled in support. If we really want to make ‘change’ we need to stop with the nonsense talk and learn to walk the walk.
Mick, rrrini are u guys in a black hole? Your like 3 yrs behind and still trying to blame homeowners and make urselves out to be saviors. Give it a rest no time for your distraction.
hammerhead, that is their only defense when you get close to exposing the truth: you’re frivolous, vexatious, and your attorney is persecuted by the state bar. Watch how many attorneys they line up against you. I had them burning over $2500/hour for three hours once.
They could care less.
hi roger, how is your case rolling? i am in my 2nd foreclosure. its 1 year old already. still waiting on discovery. I am the one who has joan m mills as robo stamper too!!. funny thing this foreclosure they lost the mortgage but they have the note? 1st foreclosure they had both? signed affdavit that they lost the mortgage? yet the person that signs these are usually from document mills with NO personal knowledge.
keep on keepin’ on there Mick, we’re with ya. the banks won’t stop, ever, until there’s precedential decisions which make it unlikely banks will prevail using fraud.
Theyre trying to sweep us under the rug
Hammer time. Ok thks. I been meaning to call u. This is extortion!
Mick , I sent you my email address and I asked my attorney about finding out why about the dismissal and she told me they don’t have to say and doubted any judge would make them tell why
Hi lms you may want to send demand letter on their breach and bad faith. You could include counter offer while demanding clean title and verification of debt. Otherwise u will take legal action and report to authorities. I’ll send link w examples and call u later. I’ve been trying but putting out fires on my end.
Can someone offer their opinion on re negotiating a loan modification where the bank has put me deeper in debt than the summary judgement did. I do not want to sign loan mod. Should I ask court for mediation to re negotiate.
Mick this is my email address. firstname.lastname@example.org
Hey Mick is there a club of u guys who decided to call jus whiners if we call out corrupt lawyers and judges?
Hammer, It doesn’t matter if there WERE a ‘club’, I’m about getting things done, not whining. Calling out a Corrupt Lawyer is something I’m famous for. I was on the phone to a guy named Bill McCullom in 2008 regarding all this “BS” (he was our then AG in Florida), because while not being a lawyer, I’m smart enough to see fraud on the Court staring me in the face. It took 6 more YEARS to Get David J. Stern, PA DISBARRED. So unless You’re willing to sign on for 2-4-6 Year FIGHTS, while incorporating JUDGES, about a dozen Defense Lawyers, and collected depositions demonstrating Fraud, from the top to the bottom (and visa versa), You WON’T Prevail.
The Florida BAR when acting on complaints makes Snails appear to be the Space Shuttle for speed.
SAME Can be said for the Florida Judicial Qualification Commission. Like the FDLE, FBI and ALL FEDERAL AGENCIES, unless You hand them ALL the research, ALREADY DONE, and a Ready for Grand Jury Prosecution, (so they literally have to do NOTHING….heaven forbid, GOVERNMENT EMPLOYEES with 6 figure salaries, being ASKED to do REAL WORK?! OMG, the HORROR!) You can expect to be kicked to the curb, REPEATEDLY. Please don’t think this is being a ‘smartazz’; wasn’t intended that way at all; however after a Governor’s Emergency Executive Order to sustain a town, compliments of my research and 5 attys’s/firms now dismissed/disbarred/fined/sanctioned compliments of a little PITA named “me”, I have zero minutes remaining in this life for those who want to whine, here or anywhere else vs. Getting to Work to reverse the tide (of banks) which will never stop until we (and our progeny) are all penniless slaves, indentured to them forever. 95 out of 100 simply walk away. THEY are the segment we’ve done NOTHING about. Probably 90 of the 95 have fraudulent documentation, but we’ll never know.
Mick – I can wholeheartedly see your point of view. Being in the banking industry all of my working life (44 yrs +) and being in a foreclosure case w/Chase since 2007 I am not making much headway to getting the case dismissed. I was pro se until 2014 (the first 7 years) and now have an attorney. Still going nowhere except for a lot of hearings set and then cancellations. Judges are corrupt, courts are corrupt… No matter how much documentation presented shows an invalid debt, robo-signing, fraud…it doesn’t matter. I do have hope, however, if Trump makes it to the Whitehouse and starts getting rid of the cronyism in DC. I already got one foreclosure dismissed w prejudice on another property and I plan on the same here but planning and actually receiving it are two entirely different paths. The court readily recognized the fraud with Citi on the first case; but not so easy this go around.
Mick , we’ve already given affirmative defenses in fact there were 2 trial dates that were set in June and both were cancelled. I just find it strange that’s it was dismissed. Now we have a statue of limitations issue In Floruda it’s 5 years. Now the bank has new attorneys. So I guess we will see how that goes. There’s still a pending motion that our attorney filed and from what I know until it’s answered they can’t even file another suit anyway
When Cases are Dismissed, it’s because there’s about a 98% chance they found FRAUD in their own Documentation, or holes in it’s timelines.
I’m sure Your attorney[s] are waiting for a more concrete opinion on Bartram which is good (regarding the S.O.L. on FC’s) although none of us has a read on how the FLSC will rule.
IF they determine to allow new acceleration after former acceleration (simply moving to the next available months’ payment that is within 5 yr. S.O.L. and pursue all other payments prior the S.O.L.’s installation/tolling) which is likely, Your attorney[s] need to know why that dismissal was proffered. If there are fraudulent signatures, improperly filed documents, standing issues or missing chain of title issues, I find them. Email me, I can send You a sample report. You’ll be impressed. More importantly, Your Attorney[s] will be impressed.
Please email me Sample Report, email@example.com My case was dismissed, and it was beyond the (5) year Florida Statue of limitation, I am aware of the Bartram case, and the Florida Supreme Court, pending action, if they rule in favor of the banks, how big a problem will that be homeowners? Thanks Ben
Will reply directly 2nite when more time is available. Simply put, if they (FLSC) rule in favor of the BANKSTERS, in Bartram, Former Defaults be danged, ALL Remaining Defaults (starting at the oldest monthly payment default prior the 5 year BACKWARD S.O.L. is VIABLE place to start for NEW and REPEATED FORECLOSURE PROCEEDINGS, for virtually EVER. This crap started in 2000 +/-. On a 30 yr, fixed, the S.O.L on that FC Series of Actions would toll in 2035. Until then they would be able to file, repeatedly against You, over and over and over, until they finally get their feces high and tight and eventually prevail. Because eventually You either give up, DIE, or they prevail…if they get an eternity of ‘do overs’ (which was their oral argument in Bartram, and they REALLY Believe that….NOBODY gets “Free Houses”… but them of course).
YOU, Ma’am have a VERY GOOD Judge!
You NEED to find someone (even if not an attorney, a forensic loan auditor, or chain of title/foreclosure documents examiner) who can determine IF Your Plaintiff’s Lawyer Isn’t Wanting to come to Your Neck of the Woods for FAR More than it just being unattractive to Her….? She may just KNOW they have problems with Your Case. I’d offer to help You but I know NOTHING about KY Foreclosure Laws.
Yes sir I do:-) & yes there’s a lot wrong,she submitted forged documents to the court,I have a witness statement from realtor present at signing/closing of my loan,Nothing has been recorded ever,default was manufactured by servicer over forced placed flood ins never needed,chase is SERVICER only,I have never had loan w/them.bought my 1st home in 2008, chase became servicer of loan 2-09,,,its a living nightmare
“Yes sir I do:-) & yes there’s a lot wrong,she submitted forged documents to the court,I have a witness statement from realtor present at signing/closing of my loan,Nothing has been recorded ever,default was manufactured by servicer over forced placed flood ins never needed,chase is SERVICER only,I have never had loan w/them.bought my 1st home in 2008, chase became servicer of loan 2-09,,,its a living nightmare”
Angel, Every THING You stated in the Reply above, is in my opinion (as a non-lawyer, giving a non-legal opinion, which means it isn’t even worth that proverbial “2cents”) absolutely challenge and should be alleged and thereafter proven in an evidentiary hearing! IT’S NOT a “living nightmare” regardless of what You assert….I know tens of thousands who were foreclosed on who’d LOVE to have had ANY of Your above issues to contest, where the florida rocket docket never allowed them more than 1minute30 seconds to present their case! Stop Whining and Either do the research to Find a Good Attorney who’s willing to fight FOR YOU, or put on the whole armor of God, get some knowledge (because it’s out here all over the internet), and get ready for the Fight. Remember, aside situations like YOURS (a respectful JUDGE who KNOWS they have all kinds of flaws in their paperwork, and he’s simply waiting for YOU to RAISE those Points in Motions for Dismissal, lack of standing, fraud on the Court, failure to state a claim, etc.), most folks are in front of bias Judges, being told THEY have no case, and to GET OUT OF THEIR OWN HOMES, because: “Nobody (but the banks) Gets a Free House”.
Find a local LAW SCHOOL and go see one of their Real Estate LAW Professors, asking who they’d suggest of their students who could help you, Pro Bono Firms that would help You, folks that He/She TAUGHT who are now out on their Own, and GOOD, but still inexpensive for the right client….do Your Part in Your Own Defense!
You should look in to David Ham v. Nationstar, Florida 1DCA, Opinion published 5.12.15, regarding the forced placed insurance issue. I doubt Your Courts would look to another states’ decisions, however, there HAVE TO BE other cases, where folks had a similar act conducted by YOUR purported “lender”, in YOUR State. I’d practically Guarantee it! Your Appellate Court(s) have already, probably ruled on EVERY ISSUE You cited above, reversed and remanded, for involuntary dismissal, Or VACATED the former judgment[s]. That’s called CASE LAW, and Your Judge NEEDS some, cited by YOU in Motion(s) for dismissal, lack of standing, manufactured default(s), fraudulent documents, nothing being recorded, etc., etc. Until an Attorney OR YOU, pro se/pro per put on the armor, Your big girl pants, and walk in to Court asserting Your RIGHTS and their Lack of a Right to Pursue You, or this ‘purported’ debt. Make THEM Prove EVERY THING. Since they can prove nearly Nothing, move for dismissal (or simply put, that’s what I WOULD Do)
Hoping this didn’t come across to harshly, & something gleaned above helps You
(as I’ve met lots of ‘whiners’ who claim “it’s a nightmare” but still want somebody else to do everything for them, for their own defense, rather than paying for a competent attorney who could WIN the Case for them Inexpensively, based on their documents and facts of the case).
Mick,,I’m in no way whinning,& I have raised all claims in motions I’ve filed:-) I’ve filed motion to dismiss w/predjuce due to no standing,fraud on the courts,false cause of action,forged/altered documents,I have DONE all you’ve mentioned except talking to law school,,,that has entered my mind,as to a ”lawyer” did that to,had one for 2years he did nothing but promise a lot while changing firms,3 in 2yrs,he did nothing,I fired him…been pro se now since 2014,I practically live at local library,& no I don’t think you’re coming off harsh,your passionate about this topic:-) & I VALUE all info I can get….but yes sir I’m fighting HARD:-)
OK, Now I DO FEEL Better!
(1 for not offending You and
(2 for knowing You’re a FIGHTER!
I also feel worse because You got a clown w/JD behind his name who rode Your gravy train for as long as he could.
That said, the law school Idea isn’t original, I did it years ago when suing a municipality over elections, voter ordinances, and an unqualified candidate, although the suit was primarily around failure to produce requested public records.
The “old salt” emeritus Professors at the law schools, invariably not only know the PERFECT Lawyer to help You, they know the Judge[s], the Plaintiff Counsel[s] and more. They can (and usually will) Hook You Up with a GR8 Counselor.
Just remember when talking on the phone, in person, via email, all or any initial method, keep it VERY SIMPLE. Point out the MOST Substantial issue[s]. Seriously GOOD Lawyers are extremely protective of their TIME.
WHO-What-Where-When-How and WHY (only the last if he/she ASKS).
Have ALL YOUR DOCUMENTATION in CHRONOLOGICAL ORDER from NEWEST to oldest, make a complete copy and give them the record copy You make.
Ideally, present to them via email so they can digest and have good questions when You finally visit them. There are Many sympathetic (AND GOOD) lawyers who are willing to either take on, or make suggestions to, Serious FIGHTERS that they respect for never surrendering. If not pro bono, they’ll usually offer You a dramatic discount as You’ve (1-been burned by a moocher w/JD behind the name and 2-) Already done a significant amount of the research necessary for them to move forward, ideally, for success in/on Your behalf. They will likely want to know Your ‘exit strategy’ so have one. IF You believe the debt is valid, (excluding the F.P. Flood Ins.), mediation might well bear fruit, just remember he/she already KNOWS They can’t be trusted and You NEED somebody who will take the time to read Every Word of any ‘modification’ agreement.
Shutting up now,
Albertelli Law is another favorite of Chase Bank in Florida, total liars. They don’t even know what document goes with what case. Total Thieves.
The bank originally used Ronald Wolfe and the got bought out by Brock and Scott a little over a month ago. Brock and Scott had the case dismissed
I googled their name and nothing came up. Mine has been going on for 7 years
Well my case was dismissed without prejudice and now the bank has hired a new law firm Shapiro and Fishman has anyone had any dealings with them ?
Yep, investigated by the Florida Atty General office for fraud and robo signing….to my knowledge the investigation is still showing as ‘open’. Be mindful and do your homework/research. This one is a real bad one!!!!
On what grounds was Your case dismissal? shapiro, fishman & gasche is a pack of sharks. They’ll lie, cheat and steal, right in front of Your Judge, so leave Your wallet in the car. Never let them near Your home….when they leave even Your dog’s pregnant! You need help looking at the documents they submit, they’re masters at submitting fraudulently prepared foreclosure documents, and again, don’t turn Your back on them for 1 second.
The law firm that the bank was using was bought out 2 weeks later the new law firm dismissed the case They never gave a reason. I’ve been fighting this for 7 years
“The law firm that the bank was using was bought out 2 weeks later the new law firm dismissed the case They never gave a reason. I’ve been fighting this for 7 years”.
Kent, You’ve been fighting ‘what’ for 7 years? The new law firm dismissed, that means the former law firm had a ‘cluster’ which couldn’t be remedied. IF they haven’t re-filed, You have (again, not a lawyer, never played one on tv or radio either, and this isn’t legal advice, just what I WOULD Do if it were ME) it seems to me, an excellent case for slander of credit and title. They don’t have to give a reason, they can withdraw the complaint at any time prior Your submission of answers and affirmative defenses. After that, it gets complicated. Who was the Former Law Firm? (& fyi, they don’t normally get ‘bought’, they usually get ‘acquired’, as in multiple principals are being investigated, disbarred, whatever and the firm sees transfer of all assets/clients/files to another, more ‘reputable’ firm to be a ‘timely’ and appropriate decision. The LENDER has to authorize the transfer and the ORIGINAL Lawyers likely needed to be the ones filing for the dismissal; without a motion and an ORDER from the Court recognizing the new counsel, and dismissal of the former counsel, the new attys/firm couldn’t legitimately do anything?
IF they re-filed, compare the original complaint to the new (&/or Amended complaint[s]), because there are (likely) defenses for You in the original that they have (likely) attempted to remove w/the re-filing.
Just my 2 cents,
We’ve been fighting the foreclosure suit for 7 years. The banks former attorney was Ronald Wolfe and Associates. Aka Tampa Default Law Group. The bank hasent reviled yet and there’s a pending motion on our old case for reimbursement of attorney fees and cost
Kent, it’s FLORIDA Default Law Group and they were shut down amid
Your boy “Mr. Wolfe” is found here:
Beginning of the End:
And FINALLY, You just need to take the time and compare Your complaint[s] and motions filed by FDLG And Current (bank) Counsel and square them with THIS:
FDLG was a train wreck. I saw more than 1 of their complaints, and they replaced Stern as ‘worst of all’ (even more so than Shapiro-Fishman) for a few years. YOUR Dates match up sufficiently so that I’d bet a dollar there’s foreclosure document filing/recording fraud & likely mortgage foreclosure fraud in Your case (& I’m not a betting man, at all, ever).
I can help. (didn’t know You were in Florida until You posted ‘Tampa DLG’).
You need an examination of all documents in Your case, from acceleration letter (prior Complaint Filing) up to and including Your motion for fees and costs; You can contact me at: firstname.lastname@example.org
anybody had any contact with Albertelli law in florida, another bunch of hood attorneys, filed all kinds of erroneous docs that didn’t apply to my loan, plus the default date on the complaint was wrong. I was in a forebearane but no attorney I had would bring it up in court. do I have any grounds to get judgement reversed.
Kent, I noticed we both have the same legal counterpart from TAMPA. There is many good things to learn from prior experiences these folks acted on ……. contact me if there is anything that we can learn more on this FUTEX@hotmail.com
Hello yall:-) well recent events,filed motion for status conference,went to court,the law firm against me sends yet a new lawyer,not same I’ve been dealing with,makes about 16lawyers now I’ve dealt with from plaintiff,chase..well judge ordered mediation,,,my question is am I required to have a lawyer with me during this?& what am I to expect? THANK YOU in advance for responding:-)
I am not an attorney and this is not legal advice.
Take an attorney with you. Or someone with extensive mediation/law experience. Often times at mediation (I am not familiar w/ real property mediations), a settlement is drafted. You will want someone there to review it.
Thank u:-) &yea plaintiffs lawyer said they’ve went to offer settlement but our figures are far apart?& they HAVENT offered a cent,,,she lied to the judge on that.
after this huge RE MORT FRAUD/REAL ESTATE TORT committed against you the JUDGE order mediation?.. for what?. are they going to settle with you and pay you all Pain and Suffering plus mental anguish?…
most of these crooked low life lawyers are DEBT COLLECTORS Themselves! and they have been filing LIENS on PRE FORECLOSURE Home Loans.. this way they can file ANY BANKS NAME on an Unlawful Detainer in court and steal the property! YOU SHOULD WRITE YOUR OWN MEDIATION TERMS AND GO WITH SOMEONE! DON’T GO ALONE! make Them PAY YOU FOR ALL THESE YEARS OF TORMENT , PAIN AND SUFFERING! hope all go well.
He shut the plaintiffs lawyer down,every time she spoke against us,he ordered mediation because of all the exhibits I’ve submitted read a complete different story than their claims,she said she was going to file motion for summary judgement,he said he will hold it in abeyance til mediation is complete…all his harsh,strong warning are directed at plaintiffs counsel,,he told them,I feel we have a great judge,,,he could of already ruled but is doing his best to see we get a fair shot at this:-) &he STRONGLY suggests we get a lawyer but I’m completely gun shy on that,last &only one we had was awful
Angel, I’m not a lawyer, this is NOT Legal ‘advice’….but it IS some real strong “Suggestions”. “SUMMARY JUDGMENT” can only be asserted or delivered by the Judge by way of Order Granting same IF there are NO (read=ZERO) “Issues of Material Fact in DISPUTE”.
In Civil Cases, You win by a preponderance of the evidence (51% tips the scale in Your Favor)
In Criminal Cases, The Prosecutor must Prove ALL the Elements BEYOND a REASONABLE DOUBT.
Summary Judgment on the other hand REQUIRES Such a high bar it’s nearly impossible to reach in a REAL WORLD (as in former bank employee/bank attorneys NOT Sitting as Your Judge) scenario and Courtroom, they have to prove BEYOND ALL DOUBT that You have NO Substantive ISSUE of Material Fact that YOU can assert….NOTHING. They DID Everything PERFECT…..period.
Summary Judgment is a joke, I’ve never seen a proper one yet (& I’ve been in the court room for Thousands of these actions).
PS: the advice to take another person (or TWO) with You to ‘mediation’ is a Very Good Suggestion.
what county are you in?
Lol,I know I’ve been waiting for it to go differently due to the horror stories I’ve read,,but I’m from a small ky town,& I hope I stay a step ahead of the crooks,plaintiffs counsel hates coming here,&was doing everything she could to have the mediation on her home turf,,,didn’t work:-)
Angel, I’m not an attorney. I’ve been fighting my own battle with BOA the past 7yrs.
Wow, 16 lawyers!
If you don’t trust or can’t afford an attorney, hire your own court reporter to be there for the mediation. The other side takes notice if you do that because they know if they treat you unfairly it can be appealed to a higher court along with everything they said and did during the mediation. Around here it cost $150. But it’s well worth it in the long run. Also, if you go to You Tube and type in something like….”what to expect at legal mediation” several videos should come up that tells you about it., some are done by attorneys, and some by law instructors. That method has helped me a lot.
Hammertime – In response to your post:
Interesting what u don’t see first time around.
Says Title Insurance to Chicago Title Then a line with Lender’s coverage for full amount of principal Then a line Owner’s coverage 0 All misleading, deceptive:
Look on the column heading for “seller” and see if that Owner’s Policy (for you) was paid on behalf of the seller. It is not usually paid by the buyer (you) so on your side it would probably be 0 but the cost would show on the seller’s side of the closing statement. When you got the recorded Deed sent to you from the title company after the closing, didn’t you also get an Owner’s Policy attached with the recorded deed? Highly unusual that an Owner’s Policy would not be issued, very highly unusual.
Ok I think it was a condo or townhouse, but when a title company does a search, do they only access local public records info or is there somewhere else they go to get a more in depth search of the property
A condo would not require a survey b/c they don’t own the land but a townhouse is different – they own the land in a townhome. Title examiners have several places for searching title and that’s why it would be a good idea to ask for a copy. Tell him to ask for the ‘marked up’ copy of the title exam.
As a former title searcher, for a former title company, decades ago, we went to the Land Records/Clerk of Courts Official Records Vault and examined EVERY Document recorded, related to the property, going back at least 4 previous owners or 40 years, which ever we hit first. For EVERY Mortgage there must be a satisfaction, for Every Deed there must be both Grantor and Grantee, those must all match as a ‘chain of title examination’ is completed. Legal Notices (& Liens, including Federal, like the IRS) are ALL recorded against the property. ANY unrecorded encumbrance is irrelevant in judicial states, as those document holders have to record same, to have a lawful claim. I have no clue what they’re doing now, as I’ve seen Refinances Executed while Lis Pendens are actively filed against the SAME PARCEL?! Can’t wait to see how that title company resolves that one?
Bobbi yes it was a warranty deed and he paid cash for the property. Title insurance was paid by seller and the closing was done thru a local title company. Thks
I don’t know why the title company would place that verbiage on a General Warranty Deed but if he got an Owner’s Policy, which should be issued within 30 days of the closing, I am going to suggest he go through that policy or better yet, have a Real Estate attorney look it over for him. In the meantime, he should ask the title company for a copy of the title exam which will show all the features surrounding that property. Also, hopefully, he also had a survey done as well. Cash buyers forget that surveys are an EXCEPTION to title unless a survey is done.
If banksters don’t enforce title insurance because they may discover something that weakens their position is another sign that there is no integrity in our institutions. Lms the key point of TILA rescission is you take it out of lawyers and court hands if you have cause to file. If you have doubts or are fearful of filing then u pay someone like Garfield. If the servicer has lied to u ie no truth in lending if they jerked u around instead of verifying debt sending the notice forces them to prove their standing and debt. Where’s the disconnect? That somehow we are trying to get out of our debts and should be fearful of being called deadbeats is the lie and shaming they’ve used against us, about 5 yrs late. You urself and all of us as far as I know tried to resolve our debt but their manipulation and ADMISSIONS brought to question if there’s any debt at all. U still think we should beg for ANOTHER bogus offer? Makes no sense.
bobbi, just curious regarding title, my friend bought a property and on the deed up in the left hand corner, it read “indv to indv”. to mean from individual to individual I am assuming. I have never seen this on a deed and to me it looks like the deed is only as good as who transferred to the new buyer. can you explain , thks.
I don’t recall ever seeing that kind of verbiage on a deed transfer but what kind of deed is this? A general warranty deed, a quit claim deed or what? Was it prepared by an attorney or a title company? Did your friend have this financed and if so, did he get an Owner’s Policy? If he was a ‘cash’ buyer this is the problem when they (the buyer) doesn’t take the effort to protect themselves….
incog, I agree, but bottom line you have to pay somebody and it is better to pay than look like a deadbeat in the court. work out a payment you can afford with the bank or whoever claims to own the note and mortgage. If you cannot afford the house at all, then maybe its time to leave it. Sure its about principles with me too, but bottom line you signed a mortgage and note and owe it to someone. you were not coerced into the loan at the time were you and you cant deny that you signed the mortgage and note paperwork , can you? really? I contacted neil, he wanted $600 an hour. Tell me who here can really afford that outrageous charge. We do know as much as the lawyers and probably more with our combined research and experience. neil wants to put his panel together with high rollers. We should be that panel. believe me im on everyones side here, but I am not going to further support anymore attorneys. and this TILA rescission idea, ok it maybe great, but I would do my research before I send in that letter that cancels the note and mortgage, you still signed it. I have just seen what goes on in the local courts here in florida and it is a circus, absolutely no method to the foreclosure frenzy going on in the courtroom. I am just saying keep your hard earned money and spend it wisely. there is enough information on this blog that can help you proceed pro se. lawyers just know the formality of the foreclosure courtroom which in my opinion is a joke. none of these lawyers had enough experience in this fraudulent mess. I think the TILA recission is just another money maker for the attorneys. I am just trying to get people to really think here. that’s all.
trev, don’t we all recognize by now we are all being scammed. Just work it out with your servicer, mortgage company and then like bobbi said, make sure it is recorded. What is the point of the fight if there is no intention of remaining in the property. We all got seriously scammed, just learn from it and move forward. What is the fight really worth to you? its better to try and work out a payment than keep fighting them on technicalities. It only makes us look bad in the eyes of the court with stall tactics. even neil is still trying to drum up business. we are the peons that got scammed. learn from it and move forward. these attorneys suck and they will take your last dollar, now I ask you again, what is it really worth? either get a loan mod and pay it or give up the property legally and move on. I don’t see any body moving forward on this scam unless you have tons of money which I don’t think anyone here has including me. there have been multiple wrongs done to all of us and still no justice. Sorry if I sound like a whimp, but I am tired of all this bullshit and no one getting any true justice, with or without prejudice, do you want to spend your life in a courtroom and upset all the time about injustice. It aint gonna change anytime soon and I am in midlife and want to enjoy the remainder or my life if that is possible because when I bought my home, I felt so proud to own the home and now the termites can eat it and I don’t give a shit. probably a blessing in disguise!
In the eyes of the court, SERIOUSLY??? THEY ARE CRIMINALS!!!! If YOU want to pay an entity that is not owed any money, you certainly can do so if that is your desire, others will stand their ground on the principals of law and order!!!
And they did All AG’s got money for their state leaving all of us out there to battle on our own
Maxwell silver hammer…
many thanks for the lead. I’m over the house but want the stain on my credit/judgment cleaned and I want to give Bieter a chance to make it right….i fight fair but am inches away from just writing a formal reprimand of the no-show judge….for documentation purposes….& for the next generation of fighters.
the day I lost in ’09 the headlines were that all 50 atty generals were going to ‘get to the bottom’ of this. 9 yrs later I think we are at bottom…idaho hates its non-mormon citizens….not my idea of a State…more like a cult territory in need of guidance from above. V tired of babysitting but the road is long, the reward….worth every tear so they say.
I can feel it in my lucky barometric knee cap…we are close… i can just feeel it.
if anything/anyone else can help w the next move (it’s mine)…chime in. 150 heads are better than one.
I will say this… Ocwen Financial is very attentive when I call, its like I’m now the debt collector….they are very ‘on edge’…and may just make it right???
Ombudsman Office?? Ironic.
Peace all & t.y… T
I can do 2nd grade math….the extra three years were for the daily offshore phone calls..’TwayBor you owe us Mo money….youpaynow!!!!..some calls were at 6:30 a.m… hundreds of them in over 2.5 years…it was torture, and I have been tortured… like south pacific locusts….pinching and biting..locusts lying….all in the name of ‘mo’….a land grab w no one at the register…no one minding the store as they used to say.
they hired people in India and Asia to termite my American Dream, my life savings.., they fired Americans and hired boiler rooms of non-Americans to steal Americans’ private property. ..not as a means of last resort but as means of first and only option…w no regard for law or American Values..gnaw..gnaw..youpaynow or else TwayBo… ugghh. Broken English….broken dreams.
Silver lining, ha…i’ve learned more in the past 10 years about greed, integrity, community, neighbors, god, dreams, american financial regulators & regulations, distric Courts and small town politicians….fraud….white collar crimes…american business egos…comptroller of currency responsibilities…police detective work…cover ups….and if i take a step back…i’ll notice an entire industry being body slammed by lady justice….who is not blind at all…hitting every target … the CFPB $2.125 Billion citation recently written to Ocwen Financial ….is the harbinger..just in time… just think… $125 million / x …. where x = # of people who lost their shelter to fraud….who may be tired…maybe back on their feet…but one thing is for certain….Ocwen will now be Defendant in dozens…hundreds….’000$ of lawsuits?? crime don’t pay….
as soon as i get my ducks in a row…i’m filing a federal civil suit against fannie mae’s new cxo….david applegate. he was the ceo of american home mortgage & servicing 3 (to a higher power…no really…that was their logo)…yeah so i’m going to hold him accountable for his broken promise….after ten years of payments…20 month resolution on a friday…dave’s promise..home went at auction the next monday….and according to CFPB…the foreclosure was riddled with fraud…knock-knock…uncle RICO…?
God is so good. A real world education…in real time. Nothing but net…highwire walking w no net.
Just my dream in a fair shake. A chance to fight for the light…for justice.
So help me/us God. Graziadio.
humbled…. kPoW!!!! tko… i want to do other things w my life… i want closure.
we all do.
Trev – very well put but I’d like to ask you to put those same words in a complaint to the CPFB (Consumer Protection Financial Bureau). If they resonate with them the way they have on this site, I think you would be surprised. Better yet, send a copy of that same complaint to your local news media!
Also, NEVER give up unless you WANT to give up!! Ocwen are just as much of criminals as all the other criminals in this garbage!!!
Hammer your right it’s just temporary
Trev just saw a post re motion to vacate judgment for CA, maybe something similar. Some legal services claim they can reverse sale up to a year after. I would look at Mains? Case who is suing for damages instead of reversing sale. Then again Garfield says rescission cases can be reversed. But if property has been sold to innocent 3rd party that could be end of the line as to property.
Not necessarily true as to the end of the line. There have been cases where the property title was reverted back to the original owners. That’s why 1) Lenders of REO properties don’t do Warranty Deeds, and 2) always do your research on a REO property before you purchase it.
Definitely not absolute. In CA there is strong language as to bona fide buyer. Then bona fide becomes an issue. As to TILA sale also criteria along with consummation. Basically tougher when sold to innocent 3rd party rather than reverting to bank in CA.
That is exactly what this new ruling is about
If you have bad documents it’s worth fight. There’s always the media and possession of a forge document is. A class 2 felony
There is no sol in fl for verifiable
Fraud. That’s just it though
The fraud does not seem to end. They do not want us setting any precedent for fraud. Just imagine what a snowball effect that would have in the courts just when the courts thought there was a light at the end of the tunnel!
General ? for the board/bored.
If I lost my home to a Summary Ruling….MetLife 2012.. but then…after the fact discovered fraud in their filings…can I ask the Judge to reverse the ruling? re-open the case to consider more facts…like metlufe’s barring from the industry…a Pete Rose so to speak…
If anyone has a term or process that might allow the Judge to save face and allow justice to stand…please post or text/call.
I basically want to say, ‘hey Judge Bieter, we were both lied to…robbed…can you reopen the case….?’. I am not able to find an honest attorney in Boise…
I am ‘qui tam’…
I think I am within SoL for fraud served on Courts.
peace & never give up/in.
Sorry but you have been misinformed. If the judge rules in their favor they can’t.collect on any of the past due only from the time they choose a new default date
Then why even fight for it,,smh….I quit!!!!!
My motions asked the courts to dismiss w/prejudice…so If I prevail its not a win…its a temp status til the crooks cook something else up???
It’s up for ruling next month which is November that’s why the banks lawyers arguing about being able to refile. You can google up coming Supreme Court ruling in Florida
The banks are contending that by choosing a different default date that the statue of limitations start over too
Well after almost 7 years we have won a small battle. The bank took a voluntary dismissal without prejudice so I guess we will see where it goes from here
The Supreme Court here in Florida is going to make a ruling in cases that are dismissed with prejudice possibly allowing them revile using a different default date
That wouldn’t surprise me,however if its dismissed w/prejudice due to fraudulent actions,such as forgery I don’t see an overturning that:-) fraud on the courts,false cause of action,to much we can fight back with if higher courts do so…:-)
Isn’t that like double jep?,,,Couldn’t prove case to point of dismissed w/prejudice,but allowed to ATTACK on new dates???if that happens to whom ever,,,,I pray they go straight to media,,,seems like the cases in media move quicker but opens homeowner up to entire world,when your already feeling invaded…..I mean my god:(
What ruling? It has always been fact that dismissed with prejudice means that they can refile again. They could only use a difference default date if they modified the mortgage and it went into default. Where did you read or see about a Supreme Court ruling on this matter?
My understanding is plaintiff CANT bring same cause of action against defendant,meaning default,,,was cause of action,not the date of default,,,or have I been mis-informed?
A lender can always bring action on any default – which there are several in your mortgage. For example, if you change the title on your home that could be constituted as a default under the Due on Sale clause. And, yes, they can still come back on a payment default. Each time that you default on your mortgage is a warranted time for them to file foreclosure. Just because they lost on one payment default does not preclude them from filing again if you default once again. Since lenders don’t accept any payments once foreclosure is filed (except under a loan mod) then I’m not sure how the courts will look or set the default date if the total amounts due and owing at the dismissal is not paid. Again, if you don’t pay the outstanding amounts declared as delinquent at the time of the dismissal then they could literally come back in 90 days and refile another foreclosure. Maybe this is what this new ruling is supposed to clarify – I don’t know.
As Bobbi explained to me the bank has the lender policy to retain first position should any claims arise from the borrowers side. I would think a borrower would want title insurance especially if it is an all cash transaction not sure if it is required in Ca but in Florida seller always pays for policy
May be CA doesn’t require borrower title insurance.
Bobbi thx for explanation. On my loans there is only one entry itemized as title insurance. Doesn’t appear borrower’s title insurance is required. Later confirmed “lender” on note as beneficiary. I’ve raised evidence of broken chain so why wouldn’t “lender” make a claim? When there’s a sale of loan wouldn’t the beneficiary change? Seems this is an area that raises question of parties and transaction.
Title insurance follows a file when it is sold to another lender via the Assignment of Note & Mortgage. If you have proof of broken chain of title then you can file the claim yourself. Lenders are less apt to do that as it may lead down a road where their lien position is not firm. Your title insurance policy was more than likely paid by the seller. Look on your HUD-1 closing statement, Page 2 to see if the seller paid for your Owner’s Title Policy.
So then i should see if I had owner’s title insurance down the line. Prob a long shot but u filled in the gaps.
umm, I am curious as to while I am in a trial loan mod and they are modifying permanently subject to clear title. Why would they add that clause?
Since they are not aware of any type of lien or other title matter that may have come up since the inception of your mortgage when it was recorded, they will add that language to protect their first lien position. For example, you may have been involved in a lawsuit that ended up with a lien against your home. Your lender would not have been notified of that recordation. You could have marital issues that effect your title. The lender, prior to a final modification (which, by the way, you should demand to be recorded) will do a title search to make sure that they are still in a first lien position with no deficiencies on title.
ok thks bobbi, that makes sense and that would be the only thing that would make sense out of this mess and I will demand (for what its worth) that they record this one since they reneged on 2 others that I fully executed and they did not.
good to know bobbi, thanks. I am going to review my owner’s policy very carefully
so obviously the reason to push foreclosure fraud to judgement for bank to cash in on the lender’s policy.
Lender’s can’t ‘cash-in’ on a lender’s policy unless there are title defects. The insurance is in place to protect only the title to the property – not for monetary default on the mortgage.
thks Bobbi, does that mean that I can file a claim for the original loan amt (prior to refi) if a title issue should arise