BANKS GET SCREWED TOO BY NOT FOLLOWING PROCEDURE!

“It’s nice to have an attorney who pays attention. It’s not so nice when homeowners have to sue their attorney for malpractice for either (a.) dropping the ball for not paying attention; or (b.) blatantly promising to do something and then failing to do it.”

Clouded Titles Blog

(BREAKING NEWS — OP-ED) —  The poster of this blog is a consultant to attorneys on chain of title matters and thus does not render legal advice. The matters opined in this short post are those of the author of this post and only reflect what educational value is offered.

Was it really clerical error or weren’t the attorneys for the bank paying attention to detail?

The rules of civil procedure affect not just homeowners (many of who choose to represent themselves pro se) but they also affect financial institutions whose attorneys “drop the ball”.  In this case, the homeowners (even though it’s asserted they were in default) took their civil procedure matter all the way to the Maine Supreme Court … and won an affirmation on their judgment on the pleadings!  Don’t you love it when that happens?   See the ruling below (it’s only 9 pages…

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UPDATE: DITECH BANKRUPTCY INFORMATION

Clouded Titles Blog

(BREAKING NEWS) — Here’s the latest posting on Ditech’s bankruptcy action (for those who are affected):

Section 363(o) Implications: Bankruptcy Court Denies Debtor’s Request to Disband Consumer Creditors’

See … not ALL courts give in to these bastards!

Also … understand that this viewpoint is being given credence from the “other side” and the way IT thinks!

Know thine adversary whilst thou art in the way with him!

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The Truth about US Bank

Lawyers and pro se litigants continue to ignore the basics when mounting a challenge to foreclosures in which US Bank is asserted to be a trustee of a name that is then treated as though it was trust or REMIC Trust. If you look closely, the name is word salad, containing references or names to…

Source: The Truth about US Bank

No the Mortgages Are Not Securities, But the “Certificates” Do Not Qualify for Exemption As “Mortgaged Backed”

For those straining to find a way to categorize mortgage loans as securities I offer this based upon my licensing, training and experience as a Wall Street Broker and Investment Banker and as an attorney who has practiced law, including securities law for over 42 years. You are climbing the right tree but you are…

Source: No the Mortgages Are Not Securities, But the “Certificates” Do Not Qualify for Exemption As “Mortgaged Backed”

Not all courts are ignoring the law. Some are ruling for homeowners based upon basic premises contained in my articles

Total hat tip to Bill Paatalo There are two takeaways of major significance here. Review of electronic records is not review of original records.

Possession of note does not mean that debt was paid for or transferred. https://law.justia.com/cases/new-york/appellate-division-third-department/2019/526630.html

We’re getting closer and closer to the truth when the high courts begin to demand and require…

Source: Not all courts are ignoring the law. Some are ruling for homeowners based upon basic premises contained in my articles

AMERICAN HOMEOWNERS: CALL FOR A MORATORIUM ON ALL FORECLOSURES IN 2019!

It’s no surprise that states with the highest number of foreclosures and evictions have overwhelming homeless problems – why can’t politicians figure this out?! Click HERE and sign this petition for a MORATORIUM on foreclosures and STOP the banks from using our properties to prop up their institutions.

Right in Front of Our Eyes: Black Knight and U.S. Bank

“Systems at LPS/Black Knight include data processing on virtually all residential loans subject to claims of securitization many of which are represented by data on the MERS  Platform which is a workaround to hide separate split transfers of the debt, the note and the mortgage or deed of trust.”

Source: Right in Front of Our Eyes: Black Knight and U.S. Bank

How the loan was sold multiple times.

THE CLAIM FOR HOMEOWNER ROYALTIES It is like any hedge contract. The buyer of the hedge contract is the investment bank, sometimes working through sham conduits. It is saying it wishes to ensure stability of its “portfolio.” It provides triple agency rating and “insurance” from AIG for instance while at the same time buying…

“When the credit market collapsed (nobody was willing to trade in derivatives) Goldman and others had insurance contracts pending with AIG et al. The bailout was used to fund AIG so that Goldman could receive $150 Billion on losses never incurred by Goldman…”

 

Source: How the loan was sold multiple times.

MERS EXPOSED – Declaration of Whistle-blowers Wyler & Powers for Congress/FBI/SEC/DOJ Investigations

MERS Declaration of Wyler & Powers for Congress/FBI/SEC/DOJ investigations

“Mortgage Electronic Registration System Inc. (MERS) is the focus of the research that is the foundation of this Declaration. Renee Wyler and Billie Powers are registered whistleblowers with the Security & Exchange Commission bringing forth the material evidence of their findings and proprietary work.

The Two come forward in peace as protectors of the American (wo)men, The President, The Treasury and US Inc. They seek remedy for all who are touched by the Ponzi Scheme known as the MERS software database.

Tonight! How to Attack the Facial validity of Documents, Complaints and Notices Used in Foreclosure 6PM EDT Neil Garfield Show

“Article 9 UCC §203 requires payment of value as a condition precedent to enforcement of a mortgage or deed of trust. Remember this is to be distinguished from Article 3 which enables a non-owner of the debt to enforce the note and get a money judgment against the maker of the note. That’s different than a foreclosure judgment.”

Thursdays LIVE! Click in to the Neil Garfield Show Tonight’s Show Hosted by Neil F Garfield Call in at (347) 850-1260, 6pm Eastern Thursdays I’m revealing tonight the specific structural analysis I use and which the LivingLies team uses under my direction to analyze the facial validity of documents that are being used to initiate fraudulent, yet…

Source: Tonight! How to Attack the Facial validity of Documents, Complaints and Notices Used in Foreclosure 6PM EDT Neil Garfield Show