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Learn how to stop a foreclosure sale or eviction, and fight mortgage fraud and foreclosure fraud, with these products and services:

STOP FORECLOSURE

FRAUD STOPPERS STOP FORECLOSURE

FRAUD STOPPERS PMA can help you stop a foreclosure sale and stop an eviction by providing you with Administrative Documents and Court Ready Legal Documents needed to gain the legal remedy the law entitles you to. Register for a FREE Mortgage Fraud Analysis and Bloomberg Securitization Search right now and get the facts you need to make the right decision today. Click here

TURNKEY LAWSUITS

FRAUD STOPPERS TURNKEY LAWSUITS

FRAUD STOPPERS PMA can provide you with a Turnkey Lawsuits that include court ready Complaints, Exhibits, Trail Ready Evidence, Expert Witness Affidavits, Expert Witness Testimony, Application for Temporary Restraining Order,TRO, (to stop a foreclosure sale or eviction), and Lis Pendens (to cloud the marketability of the title to the real property). Get everything you need to sue your lender for mortgage or foreclosure fraud at wholesale pricing today. Click here

 WINNING EVIDENCE

FRAUD STOPPERS Trail Ready Evidence

FRAUD STOPPERS PMA can provide you and your attorney with Trial Ready Evidence to win a Quiet Title Lawsuit, Wrongful Foreclosure Lawsuit, or Mortgage Fraud Lawsuit. Such as: Mortgage Fraud Audits, Bloomberg Securitization Audits, Robo-Signing Audits, Chain of Title Investigations, Forensic Audits, Exhibits, Expert Witness Affidavits, and Expert Witness Testimony. Get the supporting evidence you need to win your case today. Click here

LEGAL EDUCATION

FRAUD STOPPERS How to Win in Court Jurisdictionary Course

Get Knowledge, Get Understanding! FRAUD STOPPERS PMA can help you win your case (with or without an attorney). Learn case winning tactics and procedures. Learn what your attorney should and should not be doing. Learn how to control lawyers and judges! Learn everything you need to win your case from A to Z, in less than 24 hours with the #1 selling Pro Se Legal Education Course since 1997. Click here.

SECURITIZATION AUDITS

FRAUD STOPPERS BLOOMBERG SECURITIZATION AUDITS

Get a Trial Ready Bloomberg Securitization Audit and discover who actually funded your mortgage loan transaction. Does your current lender or loan servicer have the legal rights to enforce your mortgage? Your Bloomberg Securitization Audit includes: Time Stamped Bloomberg Screenshot[s], Pooling & Servicing Agreement, Mortgage Fraud & Robo-Signing Check, Credit Default Swap Analysis, Chain of Title Investigation, and an Expert Witness Affidavit. Click here

ROBO-SIGNING AUDITS

FRAUD STOPPERS ROBO SIGNING AUDITS

Discover if your mortgage loan and foreclosure documents contain false and forged signatures of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures with a Robo-Signing AuditThe Robo-Signing scandal is an opportunity to challenge a foreclosure in court, negotiate with your lender, and buy time. Robo-Signing Audit, Get a Robo-Signing Audit today and get the evidence you need to gain the legal remedy you deserve. Click here

CHAIN OF TITLE INVESTIGATIONS

FRAUD STOPPERS CHAIN OF TITLE INVESTIGATIONS

Has your loan been sold or transferred over and over again? Is your chain of title broken? Do you have a clouded title? If so, get a Chain of Title Investigation that includes a full chain of title analysis of all the ASSIGNMENTS & TRANSFERS of your mortgage loan contract, revealing how and where your loan was transferred from the origination of the loan until today. Get the trail ready evidence you and your attorney needs to win a quiet title lawsuit or wrongful foreclosure lawsuit today. Click here

MORTGAGE FRAUD AUDITS

FRAUD STOPPERS MORTGAGE FRAUD AUDITS

Does your mortgage loan contract contain fraud, legal violations, breaches of contract, or tortuous conduct? If so you may have legal standing for remedy. Register for a FREE Mortgage Fraud Analysis and Bloomberg Securitization Search right now, and find out if your loan qualifies for a Mortgage Fraud Audit that includes a chain of title investigation, Robo-Signing check, securitization audit, and expert witness affidavit. Get the facts and help you need to save your home right now. Click here

PARALEGAL SUPPORT

FRAUD STOPPERS PARALEGAL SUPPORT FRAUD STOPPERS PMA can help you save time and money and increase your odds of success Pro Se, with Professional Paralegal support products and services. Register for a FREE mortgage fraud analysis and potential cause of action consultation right now and get the professional help that you need to save your piece of the American dream. Click here

LOAN MODIFICATIONS

FRAUD STOPPERS LOAN MODIFICATIONS AND MEDITATION SERVICES

FRAUD STOPPERS PMA can help you negotiate a loan modification or meditation settlement with our Professional Meditation Settlement Services. You can save money and get your loan modification you deserve with our Pro Se loan modification program. Or get the help you need from a licensed attorney, or trained meditation expert. Click here

BANKRUPTCY DOCUMENTS

FRAUD STOPPERS Bankruptcy Documents

FRAUD STOPPERS PMA can help you file for bankruptcy to stop your foreclosure sale or eviction Pro Se with Free Bankruptcy Documents. File a chapter 7 bankruptcy, a chapter 11 bankruptcy, a chapter 13 bankruptcy, or a chapter 20 bankruptcy. Get FREE Bankruptcy Documents, information, and court cases. Click here

CREDIT REPAIR

FRAUD STOPPERS Credit Repair Programs

If your credit score has been negatively impacted by late payments, a foreclosure sale, or other credit circumstances FRAUD STOPPERS Credit Repair connection has you covered. Through a simple but powerful 3-step process, the credit repair team can help you improve your credit score fast and easy for a low monthly payment of only $59. Plus you can learn how to get paid to improve your credit too! Click here

EXPERT WITNESS AFFIDAVITS

FRAUD STOPPERS EXPERT WITNESS AFFIDAVITS

FRAUD STOPPERS Bloomberg Securitization Audit, Mortgage Fraud Audit, Robo-Signing Audit, and Chain of Title Investigation includes a signed and notarized Expert Witness Affidavit from one of the top experts in the industry who is available to provide you and your attorney with the expert witness testimony that you need to win your Quiet Title Lawsuit, Mortgage Fraud Lawsuit, or Wrongful Foreclosure Lawsuit. Get a professional Expert Witness Affidavit and get the evidence you need to win your case. Register for a Free Mortgage Fraud Analysis today. Click here

EXPERT WITNESS TESTIMONY

FRAUD STOPPERS EXPERT WITNESS TESTIMONY

FRAUD STOPPERS PMA can provide you and your attorney with one of the top experts in the mortgage fraud and securitization industry with the following credentials: MBA, BA, FINRA Series 7, FINRA Series 63, Chartered Financial Analyst (CFA), Adjunct Professor who has trained and certified over 500 industry experts / attorneys in mortgage fraud & securitization audits, and who has participated in State bar approved instruction on Banking Issues in CA, NV, IL, NY, GA, and FL. Get the professional Expert Witness Testimony that you need to win your case today. Click here

WRONGFUL FORECLOSURE

FRAUD STOPPERS WRONGFUL FORECLOSURE LAWSUITS

Wrongful Foreclosure is common today because approximately 70 million mortgage loans have been securitized into Mortgage Backed Securities (MBS) and sold to Wall Street. If you are currently facing a foreclosure sale, or your house was sold at a foreclosure sale or auction, register for a Free Mortgage Fraud Analysis and Bloomberg Securitization Search right now because you may have legal standing to sue for Wrongful Foreclosure seeking financial compensation and possibly clear and free title to your home. Click here

QUIET TITLE LAWSUITS

FRAUD STOPPERS QUIET TITLE LAWSUITS

A Quiet Title lawsuit establish a party’s legal title to real property and can “quiet” any challenges or claims to the title of that property. If you have a clouded title or a broken chain of title you can use a Quiet Title Lawsuit to obtain “Clear and Marketable” title to your property. If you have a MERS Mortgage, or your mortgage loan contract has been sold or transferred numerous times you may need a Quiet Title Lawsuit. Register for a FREE Mortgage Fraud Analysis and Bloomberg Securitization Search today and get the FACTS you need to make the right decision. Click here

FORECLOSURE ATTORNEYS

FRAUD STOPPERS FORECLOSURE DEFENSE ATTORNEYS

Stop Foreclosure Fast with a Foreclosure Defense Attorney. FRAUD STOPPERS PMA can help connect you to a Foreclosure Defense Attorney to stop your foreclosure sale or eviction, sue for Quiet Title or Wrongful Foreclosure, or negotiate a loan modification. Foreclosure Defense Attorney who are dedicated to helping homeowners who are struggling with mortgage or foreclosure problems. Click here

NOTICE OF DEFAULT

FRAUD STOPPERS HOW TO RESPOND TO A NOTICE OF DEFAULT

If you have received a Notice of Default (NOD) FRAUD STOPPERS PMA can provide you with a powerful proven way to correctly respond to the Notice of Default (NOD) securing all of your legal rights to remedy and laying the groundwork for a state and federal lawsuit for mortgage and foreclosure fraud. Register for a free mortgage fraud analysis right now and get the documents you need to respond to a Notice of Default (NOD). Click here

SUMMARY JUDGMENTS 

DEFAULT JUDGMENT & FINAL SUMMARY JUDGMENT

FRAUD STOPPERS PMA can help you respond to a notice of default, foreclosure notice, motion to dismiss, demurrer, default judgment, or Final Summary Judgment with professional prepared, court ready, legal documents. If you have to respond to a notice of default, answer a foreclosure complaint, answer a motion to dismiss or demurrer, or file a motion to vacate summary judgment, Click here

 

JOINT VENTURES

FRAUD STOPPERS Real Estate Joint Venture Options

If you are seeking an honest, ethical, real estate investor to work with on a short sale, deed in lieu, keys for cash, or joint venture walk-a-way transaction FRAUD STOPPERS PMA can help you. We have access to nationwide real estate investors who are trained in all manners of create real estate solutions, honest and ethical, and have the means to make almost any real estate transaction work for a win/win solution. Click here

Melanie Strapp

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

Melanie Strapp

Patrick Griffin

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

DAVID CHARLES

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

Dutch Maynard

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

Margo Biuso

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

Terrence Clarke

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

Daniel Lee

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

Lani Bernard

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

Fred Schneider

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

Patty Cueto

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

Tim VanderLinda

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

Julie Meadows

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

Robert Willis

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

Liz Combs

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

William Montes-Pack

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

Judith T Gilchriest

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

Marcella Hernandez

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

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

Cynthia Cameron

You guys are doing a great job!

Wendy Stein

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

Robbie Lee

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

Phil Hewett

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

Charles Rapoli

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

Earl Combs

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

Julie Brown

Thanks for all your help.  I appreciate it.

Mrs. Reyes

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

Wendy Green

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

Prince:~:Ma'at.

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

Pamela Owen

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

Mike Nicholson

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

John C

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

Elizabeth Smith

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

Stephanie Johnson

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

Terrance Matthews

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

Matt Pacht

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

Cindy W

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

Monica and Kevin

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

Steve Labady

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

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

Roger Hader

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

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

Robert Claflin

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

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

Tiffany Rogers

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

Angela and Tony

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

Victor Seabrooks

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

Liz Marks

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

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

Susan Holtz

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

Edgar T

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

PUBLIC LEGAL EDUCATION: liberty without justice is a joke

PUBLIC LEGAL EDUCATION: liberty without justice is a joke. As you who have already got the #1 Pro Se Legal Education Course helping everyday people learn how to win in court since 1997 (How to Win in Court) already know, liberty without justice is a joke. That's why we ask you especially today, as we start a new week seeing more and more violence and division on the news, to work with me to promote PUBLIC LEGAL EDUCATION ... the only hope we have to give the means of...

Wells Fargo foreclosed on homeowners who  had a chance to keep their homes

Wells Fargo foreclosed on homeowners who  had a chance to keep their homes Wells Fargo & Co. foreclosed on 400 homeowners after improperly denying them loan modifications that could have allowed them to stay in their homes, the bank said in a regulatory filing Friday. From 2010 to 2015, amid the recovery from the housing bust that caused millions of Americans to lose their homes, the bank made miscalculations when determining whether borrowers qualified for loan...

Supreme Court’s ‘BFP’ Holding Misapplied In Foreclosure Sale Conducted Under RPTL

Supreme Court’s ‘BFP’ Holding Misapplied In Foreclosure Sale Conducted Under RPTL After Ontario County sought foreclosure under New York’s Real Property Tax Law, appellants ­led Chapter 13 bankruptcy plans to pay arrears. Adversary proceedings sought to avoid their homes’ transfer as constructively fraudulent. The county sold the homes at auction. Although title is disputed, it is entitled to the surpluses on the homes, exceeding $42,000. District court reversed...

Default Judgment in Foreclosure Action Vacated as Not Willful; Meritorious Defense Noted

Default Judgment in Foreclosure Action Vacated as Not Willful; Meritorious Defense Noted Default Judgment in Foreclosure Action Vacated as Not Willful; Meritorious Defense Noted Plaintiff sought foreclosure on a property Freeway Group Inc. bought from the Espinosa defendants in 2013. Freeway, which manages the property’s three apartments, paid off the mortgages on the property, including that underlying plaintiff’s Feb. 2, 2017, foreclosure complaint. Despite purported...

Class Action Lawsuit Claims Ocwen Improperly Foreclosed On Mortgagees

Class Action Lawsuit Claims Ocwen Improperly Foreclosed On Mortgagees (July 25, 2018, 4:50 PM EDT) -- Ocwen Loan Servicing LLC has been filing foreclosure actions against its mortgagees before either applying or refunding unapplied funds on their accounts, according to a proposed class action made available Tuesday in Illinois state court. The lawsuit launched by Cook County resident Jose Parra claims a provision of the uniform covenants in their contracts with the...

Jury awards Garland woman $755,000 in lawsuit alleging foreclosure fraud

Jury awards Garland woman $755,000 in lawsuit alleging foreclosure fraud. She purchased her home in 2001, and paid on it for 14 years, but began to fall behind in 2015 and the home fell into foreclosure. Days after the foreclosure notice went public, someone knocked at her door, and offered to help sell her home. Author: Teresa Woodard Published: 6:33 PM CDT July 18, 2018 Updated: 7:50 PM CDT July 18, 2018 Dallas — Angelica Garcia is an immigrant from Honduras, a widow,...

Mortgage Fraud Banking Syndicate Challenged in Pennsylvania

Mortgage Fraud Banking Syndicate Challenged in Pennsylvania By Mark Anderson Monetary reformer Mickey Paoletta has cleared a key legal hurdle with the Pennsylvania Supreme Court in his effort to use a “King’s Bench” petition to beat mortgage fraud and mortgage fraudsters. The Pennsylvania Supreme Court on June 12 stamped the relevant documents and finally officially agreed to review a “King’s Bench” petition filed by a citizen under the auspices of noted monetary-reform...

The League of Fraudulently Dispossessed Homeowners Criminal Joinder

The League of Fraudulently Dispossessed Homeowners Criminal Joinder OMG we really did it. The League of Fraudulently Dispossessed Homeowners is fighting behind the scenes to put an end to the foreclosure madness and corruption plaguing our nation; and we finally have our CA courts in a vice grip with the Criminal Joinder that was filed. Last Wednesday a Criminal Joinder was filed at these courts to which allow people not only from California but from all across the nation. We...

Florida Appeals Court Ruled Lenders Can’t Claim Rents During Foreclosure

Florida Appeals Court Ruled Lenders Can't Claim Rents During Foreclosure By Carolina Bolado Law360 (June 27, 2018, 10:13 PM EDT) -- A Florida appeals court ruled Wednesday that a property owner who was not a party to the original mortgage does not have to hand over rents collected from the property to a lender during foreclosure proceedings. Florida’s Second District Court of Appeal reversed an order allowing lender Residential Credit Opportunities Trust to sequester rents...

Foreclosure Judges Taking Bribes from Banks to Illegally Foreclose on Homeowners?

Are Foreclosure Judges Taking Bribes from Banks to Illegally Foreclose on Homeowners? Investigative journalist Janet Phelan, author of the book Exile and expert on uncovering evidence of financial corruption infesting our courts, exposes how corrupt foreclosure judges may be taking bribes from mortgage lenders, loan servicers, and foreclosure attorneys and law firms to out-of-hand rule in favor for lenders seeking to Illegally foreclose on homeowners. If you are fighting...

Prove Unlawful Foreclosure Statute Of Limitations and You Could Save Your Home From Foreclosure

Prove Unlawful Foreclosure Statute Of Limitations and You Could Save Your Home From Foreclosure Orginally posted June 22, 2018 at http://realtybiznews.com/prove-unlawful-foreclosure-statute-of-limitations-and-keep-your-home/98749036/ If a mortgage holder delays too long to bring a foreclosure action, the homeowner often may keep the foreclosure from happening — it all depends on what the state of residence says about the statute of limitations (SOL). A statue of limits starts the...

88-year-old Grandmother walks 1.2 miles to treasurer’s office to save her home from foreclosure 

88-year-old Grandmother walks 1.2 miles to treasurer's office to save her home from foreclosure  NILES — For several years, Berrien County Treasurer Bret Witkowski has been teaching residents the steps they can take to keep their homes out of foreclosure. 88-year-old Grandmother walks 1.2 miles to treasurer's office to save her home from foreclosure. Last week, 88-year-old Niles resident Mildred Gray took some steps on her own to meet with Witkowski and save her house...

The Notice of Default and Right To Cure

Paragraph 22, The Notice of Default and Right To Cure: How To Use This Most Overlooked Foreclosure Defense To Defeat Summary Judgment and Win at Trial (Foreclosure Workshop #16: Rebroadcast from July 17, 2016) This important broadcast, first exclusively airing on The Foreclosure Hour on July 17, 2016, is being repeated because homeowners are still largely under-using this powerful weapon against foreclosure, given the sloppiness and dishonesty of loan servicers,...

Foreclosure Stopped By Due Process &The Rule of Law, Florida Appeals Court Applies and Overturns Another Ditech Foreclosure Lawsuit  

Foreclosure Stopped By Due Process &The Rule of Law, Florida Appeals Court Applies and Overturns Another Ditech Foreclosure Lawsuit Fla 4th DCA Slams Door on “another Ditech loan” in foreclosure claims Posted on April 13, 2018 by Neil Garfield Spencer v Ditech involving Everhome Foreclosure Stopped By Due Process &The Rule of Law, Florida Appeals Court Applies and Overturns Another Ditech Foreclosure Lawsuit. We are seeing a paradigm shift reflecting changes in...

You Defeated Plaintiff’s Motion for Summary Judgment, But Do You Know The Ten Things You Need To Do Next?

You Defeated Plaintiff’s Motion for Summary Judgment, But Do You Know The Ten Things You Need To Do Next? Posted on April 8, 2018 Sunday, April 8, 2018 – 3 PM HST Upcoming Discussion for Sunday’s THE FORECLOSURE HOUR Sundays: 3 pm (HST) Click HERE to listen. Homeowners in growing numbers lately, even pro se, have suddenly been defeating summary judgment in foreclosure proceedings or securing appellate reversals of prior summary judgments remanded for trial. As our...

Nuns’ pressure leads Wells Fargo to publish causes of ‘systemic lapses in governance’

Nuns’ pressure leads Wells Fargo to publish causes of ‘systemic lapses in governance’ A group of nuns and religiously-affiliated investors said Wells Fargo & Co. has agreed to publish a review that shows the root causes of the systemic lapses in governance and risk management that have led to ongoing controversies, litigation and fines. As a result of the company’s commitment, the Interfaith Center on Corporate Responsibility will withdraw a resolution filed for the...

Shellpoint Mortgage Servicing Wrongful Foreclosure Lawsuit to Stop Eviction 

Shellpoint Mortgage Servicing Wrongful Foreclosure Lawsuit to Stop Eviction  BERNARDSTON — As the auctioneers announced the sale of 73-year-old Bob McCollum’s home, his cat, Fluffy, came out for the action. The cat cozied up to the auctioneers. One of them crouched down to pet Fluffy, who had come down from the Shaw Road log cabin. As he pet McCollum’s cat, his fellow auctioneer announced a bid of $126,400 from the Bank of New York Mellon, which oversees McCollum’s loan on the...

Florida’s Third District Court of Appeals Decision Rejects Multiple Common Foreclosure Defenses

Florida’s Third District Court of Appeals Decision Rejects Multiple Common Foreclosure Defenses On February 7, 2018, Florida’s Third District Court of Appeal rejected multiple arguments routinely advanced by borrowers’ counsel in defense and delay of foreclosure litigation, reversed the trial court’s order dismissing the case, and remanded with instructions to enter a judgment of foreclosure. HSBC Bank USA, N.A. v. Joseph T. Buset, et al. Case No. 3D16-1382. The opinion offers...

Stop Foreclosure and Cancel Your Mortgage Loan with a TILA Rescission Letter 

Stop Foreclosure and Cancel Your Mortgage Loan with a TILA Rescission Letter  Join FRAUD STOPPERS PMA today and get a powerful TILA Rescission letter that you can use to cancel your mortgage loan. Discover if your current mortgage loan situation qualifies for this TILA Rescission letter when you join FRAUD STOPPERS PMA today for only $250 with these benefits: PMA MEMBERSHIP Mortgage Fraud Analysis UCC Mortgage Fraud Report Potential Cause of Action Consultation Federal FDCPA Demand...

Shellpoint Mortgage Servicing – Racketeering Still going on with “pretend lender/sesrvicers”

Shellpoint Mortgage Servicing - Racketeering Still going on with "pretend lender/sesrvicers" Have never heard back from them as they know they were a "pretend lender/serivcer" who forced me basically into a short sale with all the money I lost and not being able to fight back as I had to pay out more than $100,000 per year for the full time 24 hour care of my lovely dear sweet mom who passed away last year at the age of 95.There people were terrible from the start when...

Thousands in Arizona could get money from $45M settlement over bad foreclosure practices

Thousands in Arizona could get money from $45M settlement over bad foreclosure practices. More than 2,000 Arizona families are eligible for part of a $45 million settlement with PHH Mortgage Corp. for its handling of mortgage payments and foreclosure aid during the housing crash. Forty-eight states, including Arizona, reached a settlement with the New Jersey-based mortgage lender and servicer. The settlement was announced Wednesday. The deal resolves allegations that...

Bank of America Foreclosed On Home Despite Borrower Making Mortgage Payments

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Breaking News for Homeowners Who Want to Stop a Foreclosure Sale, Eviction, or Sue for Mortgage and Foreclosure Fraud:

According to a government audit nearly 83% of mortgages survey contained legal errors and violations that could be problematic for lenders!

Do You Have One of Them?

CHANCES MAY BE VERY GOOD THAT YOUR MORTGAGE LOAN CONTRACT CONTAINS LEGAL ERRORS AND VIOLATIONS. According to a government audit 83% of the mortgages surveyed contain legal violations and errors. Legal violations, errors, breaches of contract, appraisal fraud, mortgage fraud, clouds on title, and other issues may have caused many mortgage transactions to be legally problematic for lenders attempting to foreclose. Furthermore these legal issues could result in Borrowers having legal grounds to file suit as a countermeasure to foreclosure.

If you are currently facing foreclosure, or you have recently lost your home to foreclosure, we recommend that you take immediate action and join FRAUD STOPPERS Private Members Association today and we will show you a proven way to save time and money (and increase your odds of success) suing for mortgage fraud and foreclosure fraud.

Now You Can Learn How to Stop Foreclosure Fraud & Mortgage Fraud; and Cancel Secured and Unsecured Debt Obligations through Strategic Litigation.

FRAUD STOPPERS Private Members Association’s Mortgage Fraud Investigator can analysis your mortgage loan documents for violations of the Uniform Commercial Code (UCC) and other signs of mortgage fraud to help you determine if your current mortgage loan situation qualifies for one of our Private Members Only foreclosure defense and mortgage fraud products or services.

FRAUD STOPPERS Private Members Association helps our Private Members formulate effective and affordable strategies, to get the legal remedy that the law entitles them to, and that they deserve.

Our primary focus is helping our members get clear and marketable title to their property by arguing that the actions of the banks have made the security provisions of the mortgage/deed of trust unenforceable as a matter of law.

Our Association of member’s main objective is to maintain and improve the civil rights, constitutional guarantees and political freedom for every member and citizen of the United States of America.

We believe that the First Amendment of the Constitution of the United States of America guarantees our members free speech, petition, assembly, and the right to gather together for the lawful purpose of advising and helping one another in asserting our rights under the Federal and State Constitutions and Statutes.

Get the FACTS and EVIDENCE that you need to fight mortgage and foreclosure fraud, stop a foreclosure sale or eviction, and save your house from foreclosure.  Yes. Upwards of 95% of all home loan borrowers have suffered injuries in the form of appraisal fraud, mortgage fraud, legal errors, contract breaches, and/or regulatory law breaches.  To discover these, the borrower must hire a competent professional to conduct a comprehensive examination of all documents related to the loan transaction.  With an examination report in hand to prove the injuries, the borrower may negotiate a favorable settlement or sue for damages.  Only such an examination, and artfully presenting the causes of action revealed in the exam report, can provide a reliable way for the borrower to end up with cash in hand or other financial compensation for the injuries. Currently there is an estimated 70,000,000 mortgages that MERS claims to hold. This represents about 60% of the residential real estate in the United States of America. So chances are your mortgage and loan has been compromised.

What is MERS?

MERS functions as a centralized electronic registry of mortgages, and it was supposed to track the ownership of these mortgages, which are typically sold multiple times during the loan’s life. MERS potentially affects upwards of 70 million residential mortgage loans nationwide, and almost completely crashed the U.S. housing market by itself because of so many problems with the packages.

MERS was created by lenders and title insurance companies, so it would be easier to transfer the beneficial interests to other secondary market lenders. Yet, some mortgages ended up significantly discounted due to packaging problems, which made them inactive. Where’s the “IOU” for the mortgage debt?

The MERS Scandal

Missing documents, notary fraud, and “robo-signing” led the way. There was a lot of chaos involved with MERS mortgage packets, which contained no original promissory notes (the “IOU” for the mortgage debt) in these same MERS files.

Knowledgeable homeowners were able to completely stop their home foreclosures by pointing out that the foreclosing entity, such as the mortgage servicing company, didn’t have a legal right to foreclose on their homes, since they didn’t have all of their valid mortgage paperwork in their files. These questionable ownership interests in the mortgages led to foreclosure moratoriums, court settlements, and inactive statuses.

There were a large number of allegations of notary fraud in which real or fake notaries such as “Linda Green” were allegedly part of the massive “Robo-Signing Scandal” nationwide.

It has been suggested that promissory notes, deeds of trust or mortgages, and other loan or title documents were forged, left blank, or illegally assigned to numerous mortgage investors. Since MERS was set up to become as paperless, speedy, and efficient as possible, there was not enough third party oversight to check whether these documents were valid.

Questionable Beneficial Interests

“No Note = No Debt” became the mantra for homeowners who were in the midst of their own foreclosures due to the weaker U.S. economy. Some savvy property owners were able to legally void their existing mortgage debt altogether by proving that the foreclosing mortgage company had no valid beneficial interests in the existing mortgage, and thus had to legal right to collect any payments.

Other homeowners were able to show that their MERS files had fraudulent notary signatures signed on behalf of both owners and lenders, which moved their file designations over to “inactive” as well.

Mortgage lenders that have collapsed or imploded since the official start of the Credit Crisis back in 2007, such as Countrywide, Indy Mac, Lehman Brothers, World Savings, Downey Savings, and Washington Mutual still figuratively exist by way of their asset or beneficial interest transfers to the “strawman” named MERS.

MERS may pay no taxes or employ anyone. Without the proper assignment of these MERS mortgages, these same imploded mortgage companies’ loans could have ceased to exist.

Our understanding is that generally the requirements set forth in the pooling and servicing agreements were not followed, and they were not followed in the following way: The pooling and servicing agreements says that when the notes are transferred to the trust there needs to be an endorsement in blank to the trust, as well as a complete chain of endorsements for all proceeding transfers. That means that the originator of the loan has to have a specific endorsement transferring it from the securitization sponsor, the sponsor to the depositor, and then the depositor in blank to the trust.

What we have found is that in the majority of the cases that chain of endorsements is not there.  There is simply a single endorsement in blank.

That creates a problem because it does not comply with the trust documents. That is a severe problem because most pooling and servicing agreements are trust that are governed by New York law, and New York law says that if you are not punctilious in following the trust documents for a transfer, the transfer is void. It doesn’t matter if you intended it, its void. That transfer is void even if that transfer would have otherwise complied with law. And if the transfer is void that would mean that the trust does not own the mortgages, and therefore lacks standing to foreclose.

It’s axiomatic that in order to bring a foreclose action the plaintiff must have legal standing. Only the mortgagee has such standing. Thus various problems like false or faulty affidavits, as well as back dated mortgage assignments, and altered or wholly counterfeited notes, mortgages, and assignments all relate to the evidentiary need to prove standing.

If your mortgage loan contract was part of a table funded securitized transaction then there is a really good chance that your mortgage loan documents probably contains legal errors, violations, tortuous conduct, contract breaches, or fraud, that could result in you being entitled to receive financial compensation, a reduction in your principal balance, clear and marketable title to your real property, or even better!

Stop Foreclosure, Sue for Breach of Contract 

Now is the perfect time to stand up for your legal rights and sue for beach of contract, mortgage fraud, and foreclosure fraud because the legal tide is beginning to turn, and homeowners are starting to win! In 2016 the California Supreme Court ruled in Yvanova v. New Century Mortgage Corporation (Case No. S218973, Cal. Sup. Ct. February 18, 2016) that homeowners have legal standing to challenge an assignment of the mortgage loan contract in an action for wrongful foreclosure on the grounds that the assignment(s) is/are void. Obviously if the court had ruled differently, the banks would have had carte blanche to forge mortgage assignments with wild abandon. In fact, without a system of endorsements and assignments it would be impossible to determine who has a legitimate interest in the property!

In THE PAPER CHASE: SECURITIZATION, FORECLOSURE, AND THE UNCERTAINTY OF MORTGAGE TITLE ADAM J. LEVITIN writes “the mortgage foreclosure crisis raises legal questions as important as its economic impact. Questions that were straightforward and uncontroversial a generation ago today threaten the stability of a $13 trillion mortgage market: Who has standing to foreclose? If a foreclosure was done improperly, what is the effect? And what is the proper legal method for transferring mortgages? These questions implicate the clarity of title for property nationwide and pose a too- big-to-fail problem for the courts.

The legal confusion stems from the existence of competing systems for establishing title to mortgages and transferring those rights. Historically, mortgage title was established and transferred through the “public demonstration” regimes of UCC Article 3 and land recordation systems. This arrangement worked satisfactorily when mortgages were rarely transferred. Mortgage finance, however, shifted to securitization, which involves repeated bulk transfers of mortgages.

Like many other cases, current trial court decisions are getting reversed because the courts are waking up to the reality of the rule of law. What they have been following is an off the books rule of “anything but a free house.” However a recent Yale Law Review Article eviscerates the assumptions of a free house for the homeowners and destroys the myth that somehow that policy has saved the nation. You can read the Yale Law Review article “In Defense of “Free Houses” for more information on this tide change.

To facilitate securitization, deal architects developed alternative “contracting” regimes for mortgage title: UCC Article 9 and MERS, a private mortgage registry. These new regimes reduced the cost of securitization by dispensing with demonstrative formalities, but at the expense of reduced clarity of title, which raised the costs of mortgage enforcement. This trade-off benefited the securitization industry at the expense of securitization investors because it became apparent only subsequently with the rise in mortgage foreclosures. The harm, however, has not been limited to securitization investors. Clouded mortgage title has significant negative externalities on the economy as a whole.

If your loan contains fraud or it was securitized then your lender may have breached your mortgage loan contract, and therefore your mortgage loan contract could be legally challenged in a court of law. If your mortgage loan contract is declared legally void, then any assignments of the mortgage loan contract, or subsequent assignments, could also be declared legally void.

Securitization is the process of taking an asset and transforming them into a security. A typical example of securitization is a mortgage-backed security (MBS), which is a type of asset-backed security that is secured by a collection of mortgages. Keep in mind that it is perfectly legal for banks to create mortgage-backed securities (MBS’s); however there are significant legal ramifications that will either harm you, or benefit you, depending on what actions you take in response to the fact that your mortgage or deed of trust is legally void resulting in your property, in reality, being unsecured, just like a unsecured credit card debt. What’s in your wallet?

This is why we recommend that you take immediate action and sue for the remedy the law entitles you to, and that you deserve. Treble damages and clear and free title to your home. Not sure if your loan contains mortgage fraud or if it was securitized, no problem, we will do a free mortgage fraud analysis and free Bloomberg securitization search for you.

Many of the programs that had modest success in the early days have fallen into disfavor as banks have enacted strategies to counter their progress. The banks are not going to go down without a serious fight. They have a large arsenal of tools to use, and the legal muscle to keep the industry off balance. This is not a static game. The reason that banks have been successful, for the most part, in protecting the large number of mortgages that were securitized is that there is an intricate web of legal theories that they hide behind to justify what they have done. In effect, they have created a shell game where the ball seems to move around in defiance of the laws of physics.

The banks are relying on a complex interaction between UCC 3 commercial paper law, UCC 9 securitization law, bailment law, agency law and local laws of the jurisdiction where the property is located. They would have us believe that what they have been doing since the 1970’s is perfectly legitimate. Many lawyers who have challenged the banks have gotten close to exposing the scheme only to find that judges retreat away from the complexity of the legal theories involved and fall back on procedural barriers under the auspices of protecting the equitable interests of the banks and their agents.

FRAUD STOPPERS Foreclosure Defense Program has moved the bar forward in many substantial ways:

  • Our Private Administrative process is a targeted approach to Informal Discovery:
  • 3-501. PRESENTMENT or States equivalent
  • Mortgage Error Resolution/Request for Information: If you believe there is an error on your mortgage loan statement or you’d like to request information related to your mortgage loan servicing, you must exercise certain rights under Federal law related to resolving errors and requesting information about your mortgage loan. If you think your credit report, bill or your mortgage loan account contains an error, or if you need more information about your mortgage loan, you send a written letter concerning your error and/or request.
  • Cutting edge mortgage fraud examination and court ready lawsuits and trial ready evidence to win your case
  • Nationwide foreclosure defense attorneys and Pro Se litigation education and support products and services

Subsection of Presentment (example Covenant 8 of UCC3 Note) shows NOTE and under paragraph 1 states: “BORROWER’S PROMISE TO PAY: In return for a loan that I have received, I promise to pay….

MULTI STATE FIXED RATE NOTE–Single Family–Fannie Mae/Freddie Mac UNIFORM INSTRUMENT Form 3200 1/01 (page 1 of 3 pages) Covenant:

  1. WAIVERS

I and any other person who has obligations under this Note waive the rights of Presentment and Notice of Dishonor. “Presentment” means the right to require the Note Holder to demand payment of amounts due. “Notice of Dishonor” means the right to require the Note Holder to give notice to other persons that amounts due have not been paid.

  • 15 U.S. Code § 1692g – Validation of debts

Often a debt collector cannot validate a debt and therefore cannot legally enforce collections.

  • Truth In Lending Act (TILA RESCISSION) codified in 12 CFR Part 226 (Regulation Z); particularly§ 226.34 Prohibited acts and §226.32 sub-paragraph (ii) et seq. predatory lending practices

A mortgage loan covered by the Truth in Lending Act may be rescinded by mailing a Rescission Letter to the purported lender, forcing the purported lender/creditor to oppose that rescission with a lawsuit within 20 days or lose all opposition rights.

  • The primary focus of the legal aspect of our program revolves around taking the theories and best practices that have been most successful around the country and make refinements.

“Here, the specific defect alleged is that the attempted transfers were made after the closing date of the securitized trust holding the pooled mortgages and therefore the transfers were ineffective.

  • Our program seeks to avoid getting mired in the complexity of the various areas of law involved, instead focusing on a simple, focused approach that makes it harder for judges to avoid the strength of our core arguments.
  • The PMA trustees and executive team have a diverse set of skills and significant experience in the core areas that will improve the success factors for our operations.

We have spent an exhaustive amount of time analyzing all of the cases that have been successful in resolving mortgage securitization problems. We have designed our legal information litigation strategy to hit the banks hard and fast where they are most vulnerable.

Our primary focus is on helping you try to get clear and marketable title to the property by arguing that the actions of the banks have made the security provisions of the mortgage/deed of trust unenforceable.

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For information on foreclosure defense call us at 573-292-1280. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners.

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DISCLOSURE: NOTICE OF Copyright © 2017 FRAUD STOPPERS, FRAUD STOPPERS PMA. THIS SITE IS NOT INTENDED TO BE MISCONSTRUED AS LEGAL ADVICE. Legal Information is NOT Legal Advice: This site provides “information” that is only designed to help users safely cope with their own general legal needs. Legal information is NOT the same as legal advice — the application of law to an individual’s specific circumstances. FRAUD STOPPERS is a National Private Members Association (PMA). PLEASE TAKE NOTICE OF THE FOLLOWING MARS Disclosure[s] 12 C.F.R. 1015.: (1) FRAUD STOPPERS PMA is NOT Affiliated with any Government Agency or Any Bank Lender; (2) Even if YOU Accept any of  FRAUD STOPPERS PMA Products or Services Your Lender May Choose to NOT Change Your Loan.  FRAUD STOPPERS products and services are only available to Active Members of the FRAUD STOPPERS PRIVATE MEMBERS ASSOCIATION. To join FRAUD STOPPERS PMA click here: https://www.fraudstoppers.org/members-only/

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