STOP FORECLOSURE & MORTGAGE FRAUD

GET THE LEGAL REMEDY THAT YOU DESERVE  

 

 

 

 

 

 

 

 

 

LEARN HOW TO CANCEL SECURED AND UNSECURED

DEBT OBLIGATIONS THRU STRATEGIC LITIGATION

FRAUD STOPPERS FREE EBOOK FORECLOSURE TRAPS PITFALLS AND SWINDLES DOWNLOAD FOR FREE

For information on foreclosure defense call us at 800-459-1215. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners.

 

STOP FORECLOSURE AND MORTGAGE FRAUD

WITH FRAUD STOPPERS 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. Click here

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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join us and get a 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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 today. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. Click here

EXPERT WITNESS TESTIMONY

FRAUD STOPPERS EXPERT WITNESS TESTIMONY

FRAUD STOPPERS PMA can provide you and your attorney with the third party expert witness testimony you need to win your case. Get the professional Expert Witness Testimony that you need to win your case today. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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, join now and get 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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, Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. 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. Join FRAUD STOPPERS PMA now and get the facts & evidence you need to get the legal remedy you deserve. Click here

CREDIT CARD AUDIT & LITIGATION PACKAGE

FRAUD STOPPERS Credit Card Securitization Audit

Credit Card Securitization Audit and Credit Card Litigation Package for Declaratory Judgment includes the Bloomberg Credit Card Audit and Notarized Affidavit from Senior Auditor, State Specific Petition, and Temporary Restraining Order (TRO) where required to support the facts resulting from the Credit Card Securitization Audit. Click here

STUDENT LOAN AUDIT & LITIGATION PACKAGE

Student Loan Audit and Litigation Package

Student Loan Securitization Audit and Student Loan Litigation Package for Declaratory Judgment includes the Bloomberg Student Loan Audit and Notarized Affidavit from Senior Auditor, State Specific Petition, and Temporary Restraining Order (TRO) where required to support the facts resulting from the Student Loan Securitization Audit. Click here

AUTO LOAN AUDIT & LITIGATION PACKAGE 

Auto Loan Audit and Litigation Package

Auto Loan Securitization Audit and Auto Loan Litigation Package for Declaratory Judgment includes the Bloomberg Auto Loan Audit and Notarized Affidavit from Senior Auditor, State Specific Petition, and Temporary Restraining Order (TRO) where required to support the facts resulting from the Auto Loan Securitization Audit. Click here

 

APPEALS BRIEF

APPEALS BRIEF

Wrongful Foreclosure Appeals Brief & Quiet Title Appeals Brief includes complete pleadings for appellate, court of appeals. Upon availability, average turnaround time 3 weeks, notice of appeal and briefing schedule is required prior to purchase or processing. Click here

James Jones

Btw, the Substitute Trustee sale NEVER took place yesterday, County Recorder asked how I managed to pull that off, I said Fraud Stoppers! Lol  James Jones

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.

Roberto Vigil

Hello Frank, the Audit Report by Bert was amazing, I was able to enter it into evidence at trial on July 15, I am working on the findings of facts due end of this week and then we wait for the order buy October. Meanwhile can you recommend an Attorney to look at it and give me a legal opinion and plan going forward, I am really pleased with your services, Thank you so much, .come back

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.

Roberto Vigil

I got nervous there for a while not knowing if you guys were real, now I am certain you are, I just want to say I am greatful for your specialty and the work you have provided to me. I am grateful to you and to John, I now feel relieved as I was trying to find for a long time. Wish I had connected with you sooner. But I look forward to using your products and working with you guys going forward. Thanks again.

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.

California Judge Rules for Borrower in Post-Sale Eviction Proceeding

California Judge Rules for Borrower in Post-Sale Eviction Proceeding Originally by Neil Garfield   This is the latest of a string of decisions from trial judges who took the time to carefully analyze the law and then facts. In this case the issue was whether the Plaintiff in a lawsuit for Unlawful Detainer could be awarded Summary Judgment simply because the sale had been recorded.   This decision, following the law in all jurisdictions, says that recording...

How to Use Article 9 §203 UCC Requiring Value Be Paid for Debt to Fight Wrongful Foreclosure

How to Use Article 9 §203 UCC Requiring Value Be Paid for Debt to Fight Wrongful Foreclosure by Neil Garfield What many lawyers continue to miss is that there is a difference between the laws entitling someone to enforce a note and the laws entitling someone to enforce a mortgage. There are different public policies behind each one. For Notes, the public policy is to encourage the free flow of negotiable instruments in the marketplace. For mortgages, the public policy is to make...

Federal Judge Slams Bayview and Attorneys on Illegal “Modification” Maneuvering

Federal Judge Slams Bayview and Attorneys on Illegal “Modification” Maneuvering Originally posted by Neil Garfield The Lesson here is that the denial of modification presents and important opportunity to challenge the practices, authority and viability of claims by parties who seek to collect, enforce or administer loans.  [This decision is dated 11/15/17. Check any future litigation or comparable decisions before using. ] The goal is foreclosure. There can be no doubt...

Calif. Supreme Court Allows Creditor Holding Senior and Junior Liens to Seek Deficiency on Sold-Out Second Lien

Calif. Supreme Court Allows Creditor Holding Senior and Junior Liens to Seek Deficiency Judgment on Sold-Out Second Lien Originally posted by Maurice Wutscher LLP June 26 2019 The Supreme Court of California recently held that the anti-deficiency statute in California Code of Civil Procedure § 580d did not bar a creditor holding two deeds of trust on the same property from recovering a deficiency judgment on the junior lien extinguished by a non-judicial foreclosure...

McDonough v Smith: U.S. Supreme Court Rules on Suing Banks for Fabrication of Evidence

McDonough v Smith: U.S. Supreme Court Rules on Suing Banks for Fabrication of Evidence Originally posted by Neil Garfield This decision is extremely important for 2 reasons. 1st, it reaffirms a right under federal law to bring an action for damages for fabrication of evidence. 2nd, and equally important, it establishes that the time to bring such a claim does not start until the conclusion of litigation, whether successful or unsuccessful. See U.S. Supreme Court...

Another View: At Wells Fargo, a tone-deaf response to shattered lives

Another View: At Wells Fargo, a tone-deaf response to shattered lives Originally posted at https://www.theintell.com/opinion/20190624/another-view-at-wells-fargo-tone-deaf-response-to-shattered-lives The next time you see a commercial declaring a new era at Wells Fargo, or the next time you hear a Wells Fargo executive touting a new culture, remember Stan and Melissa West. The Wests were among several families in a powerful report by The Charlotte Observer’s Deon Roberts that...

Illinois Court of Appeals Reveals Who Really Pays Foreclosure Mills

Illinois Court of Appeals Cracks Code of Silence on Who Pays Foreclosure Mills Posted on June 18, 2019 by Neil Garfield Illinois Court of Appeals Cracks Code of Silence on Who Pays Foreclosure Mills. The wording of the decision strongly suggests that whether the claimant is US Bank, Deutsch or BONY Mellon et al, the third party who is actually paying the lawyer must be disclosed — at least if the homeowner asks. Given the nature of the role that the alleged Trustee...

Veira v PennyMac and JPM Chase 4th DCA Rules PennyMac Lacks Standing to Foreclose

Veira v PennyMac and JPM Chase 4th DCA Rules PennyMac Lacks Standing to Foreclose  Posted on June 11, 2019 by Neil Garfield VIEIRA-v.-PENNYMAC-CORP-FindLaw Another case showing shifting attitudes toward illegal foreclosures. At the trial level there have been many such decisions, some with an expanded finding of fact showing that the foreclosure was a sham. On appeal, the courts were always looking for ways to sustain the foreclosure; they still do that but more and...

Meet the New Boss, U.S. Bank and Black Knight; Same as the Old Boss LPS

Meet the New Boss, U.S. Bank and Black Knight; Same as the Old Boss LPS   Lender Processing Systems (LPS) which owned DOCX the notorious robosigning mill featured in the 60 Minutes episode The Next Housing Shock has changed its name to Black Knight. Meet the new boss, same as the old boss. Evidence in recent mortgage fraud lawsuits and wrongful foreclosure lawsuits reveal that fabricated, forged and robosigned documents are still being used by LPS (aka: Black...

FORENSIC EXAMINATION OF THE REAL PROPERTY RECORDS AND THE CIRCUIT COURT RECORDS OSCEOLA COUNTY, FLORIDA

FORENSIC EXAMINATION OF THE REAL PROPERTY RECORDS AND THE CIRCUIT COURT RECORDS OSCEOLA COUNTY, FLORIDA PART 1 OF 2: SECTIONS 1 - 4 FORENSIC_EXAMINATION_OF_THE_REAL_PROPERT The  forensic  examination  of  the  real  property  records  of  Osceola  County,  Florida  was commissioned by Armando Ramirez, a duly elected public official with the title of Clerk of the Circuit Court of Osceola County, Florida. In all times and places within this report, the Clerk of the Circuit Court...

CFPB claims debt collection firm Forster & Garbus robo-sued thousands on behalf of Citibank, Discover, others

CFPB claims debt collection firm Forster & Garbus robo-sued thousands on behalf of Citibank, Discover, others Move over robo-signing… During the foreclosure crisis, a number of lenders, servicers, law firms, and others engaged in a practice where employees basically rubber-stamped thousands of foreclosure cases without reviewing any of the relevant details. That practice came to be known as robo-signing. Now, a new lawsuit from the Consumer Financial Protection...

BRIEF IN SUPPORT OF VOID JUDGMENTS

BRIEF IN SUPPORT OF VOID JUDGMENTS BRIEF_IN_SUPPORT_OF_VOID_JUDGMENTS Void judgments are those rendered by a court which lacked jurisdiction, either of the subject matter or the parties, Wahl v. Round Valley Bank 38 Ariz. 411, 300 P. 955 (1931); Tube City Mining & Milling Co. v. Otterson, 16 Ariz. 305, 146 P. 203 (1914); and Milliken v. Meyer, 311 U.S. 457, 61 S.Ct. 339, 85 L.Ed. 2d 278 (1940).   A void judgment which includes judgment entered by a court which lacks...

Once a Failed Remic, Never a Remic

Once a Failed Remic, Never a Remic Available  at: http://works.bepress.com/david_reiss/58 Once a Failed Remic, Never a Remic Bradley T. Borden David J. Reiss This paper can be downloaded without charge from the Social Science Research Network Electronic Paper Collection: http://ssrn.com/abstract=2185420 Once_a_Failed_REMIC_Never_a_REMIC Forthcoming in the CAYMAN FINANCIAL REVIEW (http://www.compasscayman.com/cfr/)   Investors in mortgage-backed securities, built on the...

Whistle BLOWER from McCARTHY Holthus Admits FAKED Title

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New Jersey Gov. Phil Murphy Signs Legislative Package to Address New Jersey’s Foreclosure Crisis

New Jersey Gov. Phil Murphy Signs Legislative Package to Address New Jersey’s Foreclosure Crisis Gov. Phil Murphy today signed a bipartisan legislative package into law that will help New Jerseyans struggling with the state’s highest-in-the-nation foreclosure rate. The new laws will assist homeowners facing the prospect of foreclosure and pave the way for community revival by addressing blight. Many of the measures were recommended in a September 2018 report by the...

Wells Fargo has Been Using Fake and Forged Documents to Steal Homes

The Comptroller of the Currency of the United States of America (OCC) finds that Wells Fargo has been using fake and forged documents to steal homes and sets new requirements for Wells Fargo to continue   OCC_Goes_After_Wells_Fargo UNITED STATES OF AMERICA DEPARTMENT OF THE TREASURY COMPTROLLER OF THE CURRENCY )In the Matter of: )) AA-EC-11-19Wells Fargo Bank, N.A. )Sioux Falls, South Dakota ))) CONSENT ORDER The Comptroller of the Currency of the United States of...

New York launches its own CFPB Mortgage Fraud Department 

New York launches its own CFPB Mortgage Fraud Department   Following through on a pledge made more than a year ago, the New York Department of Financial Services is launching its own version of the Consumer Financial Protection Bureau, seeking to fill the consumer protection gaps that are beginning to appear as the Trump administration puts more of its stamp on the CFPB. Back in January 2018, Mick Mulvaney, then the acting director of the CFPB, told the bureau’s...

Jury awards Garland woman $755,000 in Carrington Real Estate Services lawsuit alleging foreclosure fraud 

Jury awards Garland woman $755,000 in Carrington Real Estate Services 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   Dallas — Angelica Garcia is an immigrant from Honduras, a widow, and mother of two. Her...

U.S. Bank, N.A. as Trustee Facing Sanctions In Miami

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Miami Judge Issues Order to Show Cause Against US Bank for Flouting Discovery Order

Miami Judge Issues Order to Show Cause Against US Bank for Flouting Discovery Order.  Judge Beatrice Butchko's order floats the possibility of sanctions if the bank fails to produce discovery documents the judge ordered it to release in August 2018. Signed Order to Show Cause     DON'T LET THE BANKS TRICK YOU! Get the FACTS & Evidence to win the legal remedy that you deserve today.         For information on foreclosure defense call...

Student Debt Getting Wiped Out by Fraudulent Claims of Securitization

NY Times: Student Debt Getting Wiped Out by Fraudulent Claims of Securitization Posted by Neil Garfield | July 18, 2017   So here is an example of why you need to send a DVL (Debt Validation Letter). It turns out that mainstream media and the court system are much more willing to get into bank fraud as to students than they were when it came to homeowners. The facts are the same. “Somewhere along the line” the debt was severed from any entity answering to the description of a...

Can I Get Sued Over a Court-Authorized Foreclosure?

Can I Get Sued Over a Court-Authorized Foreclosure? Monday, April 15, 2019 https://www.natlawreview.com/article/can-i-get-sued-over-court-authorized-foreclosure  If a Clerk of Court authorizes a foreclosure sale and the trustee sells the property, can a borrower or other aggrieved party later sue to nullify the foreclosure sale or recover damages caused by the foreclosure? In the recent case of Gray v. Fannie Mae, the North Carolina Court of Appeals said "no."  The...

CALIFORNIA 3rd THIRD APPELLATE DISTRICT WRONGFUL FORECLOSURE CASE: You Can Cancel the Assignment, Notice of Default, Notice of Sale and Reverse the Sale.

CALIFORNIA 3rd THIRD APPELLATE DISTRICT WRONGFUL FORECLOSURE CASE: You Can Cancel the Assignment, Notice of Default, Notice of Sale and Reverse the Sale. Posted on April 11, 2019 by Neil Garfield   This decision “Not for publication” takes one more step toward unravelling the false claims of securitization that resulted in millions of fake foreclosures over at least 15 years. The pure nonsense being peddled by Wall Street investment banks still remains as the underlying basis for...

NEW JERSEY LEADS THE COUNTRY IN FORECLOSURES

While New Jersey’s foreclosure rate is going down, it is still the highest in the nation. Real estate website Realty Trac says there are about 20,000 active cases which is comparable to the total prior to the financial crisis. The national rate of foreclosures is 1 in every 2,471 mortgages, while New Jersey’s rate is one in 1,006. The good news is that the foreclosure rate in the Garden State has dropped 24% since last year and there is a package of bipartisan bills...

The Obduskey Supreme Court Case and using the FDCPA to Stop Foreclosures in Non-Judicial States

The Obduskey Supreme Court Case and using the FDCPA to Stop Foreclosures in Non-Judicial States The Fair Debt Collection Practices Act (FDCPA) regulates the activities of “debt collectors,” but the confusing and convoluted statutory definition of the gateway term itself has led to both extensive litigation and contradicting circuit decisions. However, in a recent unanimous opinion, Obduskey v. McCarthy, 586 U.S. ___ (2019), the United States Supreme Court has attempted...

SCOTUS makes it harder for borrowers to fight foreclosures in non-judicial states

Supreme Court makes it harder for borrowers to fight foreclosures in non-judicial states   Posted on March 22, 2019 https://justiceleaguetaskforce.wordpress.com/2019/03/22/supreme-court-makes-it-harder-for-borrowers-to-fight-foreclosures-in-non-judicial-states/   Law firms, mortgage lenders and servicers were just awarded more protection in serving non-judicial foreclosures, according to a recent Supreme Court ruling. The ruling is a victory for the mortgage...

Citibank to pay $25 million for violating the Fair Housing Act

Citibank to pay $25 million for violating the Fair Housing Act Posted on March 20, 2019 https://justiceleaguetaskforce.wordpress.com/2019/03/20/citibank-to-pay-25-million-for-violating-the-fair-housing-act/ Here we go again… Citibank will pay out a fine of $25 million for violating the Fair Housing Act, the Office of the Comptroller of the Currency announced Tuesday. According to the OCC, an investigation showed that Citibank did not equally offer certain mortgage...

The League of Fraudulently Dispossessed Homeowners has a sealed lawsuit in Federal Court of Claims

The League of Fraudulently Dispossessed Homeowners has a sealed lawsuit in Federal Court of Claims    It has been assigned a DOJ commercial agent for Civil Justice, and Assistant Attorney General, a Director and an Assistant Director.  After months of back and forth arguments to try and kick us out, the 9th circuit court of appeals has issued an order for the United States of America to answer the complaint.  This was done based upon the merits of the complaint and the...

GOVERNMENT SHUTDOWN CAUSES A FORECLOSURE AND COULD CAUSE MORE

GOVERNMENT SHUTDOWN CAUSES A FORECLOSURE — AND COULD CAUSE MORE   Originally posted by David Dayen February 13 2019, 5:30 a.m.   Leong, 83, took out a reverse mortgage on her home in 2004, which gives seniors with equity in their home the opportunity to take money out and defer repayment until they die or resell the property. She used up the line of credit from the reverse mortgage long ago and receives no more money from the deal, but as with all reverse mortgages, she’s still...

Deutsch Bank Lies in Court

Posted on January 31, 2019 by Neil Garfield So here is an attorney asking the court to vacate a decision in which the homeowner won. The lawyer had already falsely represented the status of Deutsch, the existence of a  trust and any implied transaction by which Deutsch or a trust took an interest in the Burke mortgage. A mere glance at the procedure invoked by the attorney supposedly representing Deutsch Bank reveals the arrogance with which the lawyers present false cases based...

Massive data breach involving millions of mortgages just got worse

Original mortgage documents found on separate exposed server. The massive data breach involving more than 24 million mortgage and banking documents just got much, much worse as an investigation unearthed a separate unprotected server that provided access to some of the original documents to anyone who happened upon it online. The details of the expanded breach come again from TechCrunch, which has done yeoman’s work on exposing this incredible breach in mortgage and...

Increase in Dallas Fort Worth Texas Foreclosures 

According to new data there is a rise in Texas Foreclosures. Nationwide home foreclosure starts were at a 13-year low in 2018. But in North Texas home foreclosure filings inched up after seven straight years of declines, according to a new report by Attom Data Solutions. In 2018, foreclosure actions were started on 7,295 D-FW area homes — up 4 percent from 2017 levels, Attom Data Solutions found. Still, the number of actual homes sold at foreclosure in North Texas declined since...

New York City Foreclosures Hotspots

New York City Foreclosure Hotspots Originally Posted on Jan 13, 2019 NEW YORK — Some New York City neighborhoods were hotspots for foreclosures even as they grew less common last year, a recent report shows. The city saw 720 first-time home foreclosures in the last three months of 2018, down about 13.6 percent from 834 in the fourth quarter of 2017, says the Jan. 7 report from PropertyShark. The real estate website's report also includes a map showing how frequently...

Democrats move to protect federal workers from foreclosure

Democrats move to protect federal workers from foreclosure Democratic lawmakers have introduced legislation that would protect federal workers from foreclosures, evictions and loan defaults during a government shutdown. The Federal Employee Civil Relief Act was introduced in the House by Rep. Derek Kilmer (D-Wash.) and in the Senate by Sen. Brian Schatz (D-Hawaii), according to a report by Big Island Now. The shutdown, which began on Dec. 22, came when President Donald...

20 Points of TILA Rescission

20 Points of TILA Rescission: 9th Circuit Court Allows “Claim” for Rescission Under WA Statute of Limitations Originally posted by Neil Garfield 20180114 See bottom of page to get a FREE TILA Rescission Letter I have distilled the legal points and procedure of TILA Rescission down to their essentials and specifics as you can see below. In the case presented the 9th Circuit ruled in favor of the homeowner but in so doing continued to violate the law of the land...

Another Wells Fargo Computer Glitch Results in More Wrongful Foreclosures 

Another Wells Fargo Computer Glitch Results in More Wrongful Foreclosures By Chuong Nguyen — Posted on December 4, 2018 - 1:06PM Wells Fargo blamed a computer glitch for the second time this year that resulted in the bank mistakenly foreclosing on hundreds of homes over an eight-year period, CBS News reported. The software error applied to loan modification applications submitted between March 15, 2010, and April 30, 2018, according to Wells Fargo. In November, Wells Fargo admitted the error...

He Never Missed a Mortgage Payment But The Bank Still Foreclosed On His Home Anyway

He Never Missed a Mortgage Payment, But The Bank Still Foreclosed On His Home Anyway Homeowners say they're being preyed upon by mortgage industry and mortgage loan servicers committing mortgage and foreclosure fraud resulting in wrongful foreclosure cases, from coast to coast and sea to shining sea. If you have an active Chase mortgage foreclosure or other foreclosure issue, read the story below, and take actions to save your home from foreclosure. Author: David Hammer...

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Zombie Property

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Join Fraudstoppers PMA

“I cannot decide for you the moral obligations you should pursue; but if a wrong has been committed against you (such as a clouded title or a fraud resulting from a mortgage loan) you have the duty as an American property owner to correct it. Filing a lawsuit (in my book) reflects one’s personal responsibility.”.

Dave Krieger

AUTHOR, CLOUDED TITLES

Breaking News for Homeowners Who Want to Stop a Foreclosure Sale or Eviction and Sue for Quiet Title or Wrongful Foreclosure: 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 so we can help you get the facts and evidence you need to get the legal remedy the law entitles you too, and that you deserve.

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

Some have said that 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.

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 millions of 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. 

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.

If Mortgage Electronic Registration Systems (MERS) is involved, MERS is named as beneficiary or nominee agent to the Mortgage Loan Originator.  Registration on the MERS system is required and when registered, an 18-digit Mortgage Identification Number “MIN” is created. The first seven digits identify the registering lender and the last digit is a checksum number.  If the Electronic Mortgage Loan Package is registered in the MERS registry, there is no physical transfer of the Electronic Mortgage Loan Package.

The perfection of lien rights (Perfected Chain of Title) does not match the Chain of Negotiation of the Tangible Note shown by endorsements or lack thereof and shows the Tangible Note is no longer secured by the Security Instrument as the Security Instrument becomes a nullity as an operation of law. The Trust is conveyed a transferrable record, leaving the Tangible Note, less the rights securing it which include the power of sale as would exist if the Security Instrument securing the UCC Article 3 Tangible Note was assigned in accordance to State statute. The ESIGN Act – 15 USC §7003 excludes instruments governed by the UCC Article 3, 8 and 9 or the State equivalent.  Therefore, the intangible claim cannot be negotiated electronically.  The Tangible Note and the continuous perfection of the Security Interest can only be pledged as an intangible interest in the payment stream of the UCC 8 instrument. The Intangible Payment Obligation can only be negotiated in paper form.

The fact is 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 must 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 I am told is that in most 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 or not, it’s 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. Because without standing you have no authority to bring a foreclosure action in the first place!

However the banks and their attorneys are going to succeed by not having a properly perfected lien or Chain of Title, by stating that they negotiated the note in Bearer Form under Article UCC 3205 Sub section B with no payee named as a bearer instrument. This essentially gives them a purported temporary perfection of the original holder, while they physically transfer the instrument, by daisy chain, which doesn’t require for them to maintain a Chain of Title, until the instrument is specially endorsed.

This is how the banks and their attorneys beat almost everybody from New York to California on standing, and whether or not they had a secured interest over the lien; because nobody has a the way to argue against whether or not they made the instrument of bearer paper and physically negotiated it, because they weren’t required to maintain a Chain of Title in that aspect.

So that’s how the banks and their attorneys can win nine times out of ten. Because what they’re saying is that in the negotiation under 3205 B, the security followed the note, whenever the custodian of record received the instrument prior to the cut-off date, making the note and the security securing trust property before the cut-off date.  Here is the lie that the banks almost always defeat homeowners with: “Here’s a copy of the note your honour, the security follows the obligation we all know that.”

Yes, that’s accurate, under common law and U.S. Supreme Court. Carpenter v. Longan (1872) the note and mortgage are inseparable; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity.

Furthermore, under revised article 9 of the Uniform Commercial Code (UCC) the banks do not necessarily have to record each transfer of the mortgage loan contract in public records; all they must do is be in possession of the note and they can claim rights to enforce it. That’s how the banks and their attorneys can beat you.

So, having the proper capacity, order of operations, and then statement of facts of how they lost perfection, and to show that it is inequitable for the holder of the receivables to attempt to cause an assignment of the underlying security instrument, because they were only negotiated the receivables, with unclean hands. That’s what you must show that they don’t have an equitable claim to. Learn more by getting your free copy of our eBook Foreclosure Traps Pitfalls & Swindles: How to Set Them and How to Avoid Them.

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.

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.

Stop Foreclosure & Mortgage Fraud Sue for Breach of Contract. 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 PMA today. We will analysis your mortgage loan documents for signs of fraud, and show you a proven way to save time and money and increase your odds of success suing for financial compensation for mortgage fraud, clear and free title to your home, or both!

If you would like learn How to Cancel Secured and Unsecured Debt Obligations through Strategic Litigation join FRAUD STOPPERS right now and we will show you how. We will also conduct a Bloomberg securitization search and Mortgage Fraud Analysis of your mortgage loan documents to uncover violations of the Uniform Commercial Code (UCC) and local laws of jurisdiction regarding the possible improper Negotiation, Transfer, and Delivery of the mortgage loan contract throughout the securitization process to determine what legal options your current mortgage loan situation qualifies for. Then we will help you formulate an effective and affordable strategy to get the legal remedy that the law entitles you to, and that you deserve.

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. 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!

Get the FACTS and EVIDENCE that you need to fight mortgage and foreclosure fraud, and save your house from foreclosure right now.  

Join FRAUD STOPPERS Private Members Association (PMA) today and get instant access to cutting edge mortgage and foreclosure defense products and services that can help you save time and money and increase your odds of success suing for mortgage and foreclosure fraud.  FRAUD STOPPERS Private Members Association (PMA) can help you with these products and services:

  • Stop Foreclosure Sale Methods
  • Stop Eviction Methods
  • Reverse Foreclosure Sale
  • Breach of Contract Lawsuits
  • Quiet Title / Slander of Title Lawsuits
  • Wrongful Foreclosure Lawsuits
  • Federal Fair Debt Collections Practices Act (FDCPA) Lawsuits
  • Mass Joinder Lawsuits
  • Federal Truth in Lending Act (TILA) Rescission Lawsuits
  • Bloomberg Securitization Audits
  • Mortgage Fraud Audits
  • Robo Signing Audits
  • Handwriting Expert Analysis & Affidavits
  • Chain of Title Investigations
  • Trial Ready Evidence Packages
  • Expert Witness Affidavits & Testimony
  • Pro Se Products & Services
  • Pro Se Education & Training Material
  • Administrative Remedy Documents
  • Nationwide Foreclosure Defense Attorney Network
  • Attorney Education Curriculum
  • Attorney Loan Modifications
  • Pro Se Loan Modifications
  • Attorney Bankruptcy Services
  • Pro Se Bankruptcy Services & Support
  • Investor Short Sale / Buyback Transactions
  • Investor Joint Venture Transactions
  • Private Equity Refinance Transactions
  • Creative Real Estate Solutions
  • Deed in Lieu Transactions
  • Credit Repair Programs
  • Easy, Non-Credit Based, Financing Options Available

Stop Foreclosure & Mortgage Fraud Fast, Sue the Banks & Make Money Helping Others Do the Same

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For information on foreclosure defense call us at 800-459-1215. We offer litigation support, admissible evidence, expert witness testimony, education, training, and support in all 50 states to attorneys and pro se homeowners.

 

 

  • Turnkey Lawsuit Package

  • $1495

  • FRAUD STOPPERS Private Members Association Membership
  • Mortgage Fraud Analysis
  • Potential Cause of Action Consultation
  • Federal Debt Validation Letter(s)
  • Error Resolution & Information Request (ERIR) Letter
  • Qualified Written Request (QWR) Letter
  • Federal TILA Rescission Letter
  • Tort Letter to Stop Foreclosure Sale
  • Bankruptcy Package
  • Bonus Reports
  • Federal FDCPA Complaint
  • Securitization Audit
  • Mortgage Forensic Audit
  • Chain of Title Analysis
  • Turnkey Compliant
  • EXPERT WITNESS AFFIDAVIT
  • Robo Signing Analysis
  • Temporary Restraining Order
  • Lis Pendens
  • Expert Witness Testimony
  • How to Win in Court Pro Se Education Course
  • Pro Se Litigation Support
  • Mediation Negotiation Settlement Services
  • BUY NOW
  • Mortgage Fraud Audit

  • $995

  • FRAUD STOPPERS Private Members Association Membership
  • Mortgage Fraud Analysis
  • Potential Cause of Action Consultation
  • Federal Debt Validation Letter(s)
  • Error Resolution & Information Request (ERIR) Letter
  • Qualified Written Request (QWR) Letter
  • Federal TILA Rescission Letter
  • Tort Letter to Stop Foreclosure Sale
  • Bankruptcy Package
  • Bonus Reports
  • Federal FDCPA Complaint
  • Securitization Audit
  • Mortgage Forensic Audit
  • Chain of Title Analysis
  • Turnkey Compliant
  • EXPERT WITNESS AFFIDAVIT
  • Robo Signing Analysis
  • Temporary Restraining Order
  • Lis Pendens
  • Expert Witness Testimony
  • How to Win in Court Pro Se Education Course
  • Pro Se Litigation Support
  • Mediation Negotiation Settlement Services
  • BUY NOW
  • PMA Membership

  • $295

  • FRAUD STOPPERS Private Members Association Membership
  • Mortgage Fraud Analysis
  • Potential Cause of Action Consultation
  • Federal Debt Validation Letter(s)
  • Error Resolution & Information Request (ERIR) Letter
  • Qualified Written Request (QWR) Letter
  • Federal TILA Rescission Letter
  • Tort Letter to Stop Foreclosure Sale
  • Bankruptcy Package
  • Bonus Reports
  • Federal FDCPA Complaint
  • Securitization Audit
  • Mortgage Forensic Audit
  • Chain of Title Analysis
  • Turnkey Compliant
  • EXPERT WITNESS AFFIDAVIT
  • Robo Signing Analysis
  • Temporary Restraining Order
  • Lis Pendens
  • Expert Witness Testimony
  • How to Win in Court Pro Se Education Course
  • Pro Se Litigation Support
  • Mediation Negotiation Settlement Services
  • BUY NOW

 

DON'T LET THE BANKS TRICK YOU!

Get the FACTS & Evidence to win the legal remedy that you deserve today.

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FRAUD STOPPERS Can Help You Stop Foreclosure and Mortgage Fraud

If you or anyone you know is facing foreclosure, or has already lost a property to foreclosure, and want to sue for mortgage fraudforeclosure fraud, wrongful foreclosure, or quiet title to your home FRAUD STOPPERS PMA can help you save time and money and increase your odds of success getting the legal remedy that you deserve. If you have received a Notice of Default (NOD) or a Foreclosure Notice (Foreclosure Complaint) and you want to know how to respond to the Notice of Default (NOD) or a Foreclosure Notice (Foreclosure Complaint) join FRAUD STOPPERS PMA today because FRAUD STOPPERS has a proven system to help you fight to save your home from foreclosure and sue for mortgage fraud. FRAUD STOPPERS turnkey Quiet Title Lawsuit package or Wrongful Foreclosure Lawsuit package includes a court ready complaint (petition for damages), Bloomberg Securitization Audit, Expert Witness Affidavit, Application for Temporary Restraining Order (to stop a foreclosure sale or stop an eviction), Lis Pendens (to cloud the marketability of the title to the real property), and Pro Se legal education material that can show you how to win a Quiet Title Lawsuit or win a Wrongful Foreclosure Lawsuit. This entire court ready Quiet Title Lawsuit Package or Wrongful Foreclosure Lawsuit Package can help you save money in legal fees and help you increase your odds of success. Join FRAUD STOPPERS PMA today and get mortgage fraud analysis and the facts and evidence you need to get the legal remedy you deserve at www.fraudstopper.org/pma

 

 

FRAUD STOPPERS PMA

Feel free to connect with us . . .

Address: Birch Tree MO 65438
Phone: 800-459-1215
Email: Info@FraudStoppers.org

 

 

 

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DISCLOSURE: NOTICE OF Copyright © 2019  FRAUD STOPPERS, FRAUD STOPPERS PMA. Disclaimer: Any information or answers are provided for informational purposes only, does not constitute legal advice, and does not create PMA-Member relationship. 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/