FRAUD STOPPERS CAN HELP YOU SAVE TIME AND MONEY, AND INCREASE YOUR ODDS OF SUCCESS, SUING FOR MORTGAGE AND FORECLOSURE FRAUD WITH THESE PRODUCTS AND SERVICES:
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
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
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
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.
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
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 Audit. The 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
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
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
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
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
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 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 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 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 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
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
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
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
DEFAULT JUDGMENT & FINAL 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 VENTURE PROGRAMS
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
Judith T Gilchriest
Fraud Stoppers sends me helpful emails like this one. Great advice.
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.
Monica and Kevin
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.
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.
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.
Angela and Tony
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.
STOP FORECLOSURE AND MORTGAGE FRAUD NOW
Breaking News for Homeowners Facing Foreclosure:
According to a government audit nearly 83% of mortgages survey contained legal errors and violations that could be problematic for lenders attempting to foreclose!
Do You Have One of Them?
CHANCES ARE GOOD YOUR MORTGAGE LOAN CONTRACT CONTAINS FRAUD. According to a government audit 83% of the mortgages contain legal violations and errors. Legal violations and errors, breaches of contract, appraisal fraud, mortgage fraud, clouds on title, and other issues have caused a large number of mortgage transactions to be legally problematic for lenders attempting to foreclose. Furthermore these legal issues that exist in many mortgages can result in a Borrower 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 register for a FREE Mortgage Fraud Analysis and Bloomberg Securitization Search using the intake form at the bottom of this page. FRAUD STOPPERS 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 marketable title to your home, or both!
Learn How to Cancel Secured and Unsecured Debt Obligations through Strategic Litigation Right Now.
FRAUD STOPPERS will analysis your mortgage loan documents for violations of the Uniform Commercial Code (UCC) 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.
Our primary focus is helping you get clear and marketable title to your 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 contain legal errors, violations, tortuous conduct, contract breaches, and fraud, that could result in you being entitled to receive financial compensation, a reduction in your principal balance, clear and free title to your property, or even better!
FRAUD STOPPERS Private Members Association (PMA) can help you save time and money, and increase your odds of success, getting the legal remedy that the law entitles you to, and that you deserve, with these products and services: Stop Foreclosure Sale Methods, Stop Eviction Methods, Reverse Foreclosure Sale, Breach of Contract Lawsuits, Quiet Title Lawsuits, Slander of Title Lawsuits, Wrongful Foreclosure Lawsuits, Federal Fair Debt Collections Practices Act (FDCPA) Lawsuits, Federal Consumer Financial Protection Bureau (CFPB) Audits & Lawsuits, Federal Truth in Lending Act (TILA) Rescission Lawsuits, Bloomberg Securitization Audits, Mortgage Fraud Audits, Robo Signing Audits, Chain of Title Investigations, Trial Ready Evidence Packages, Expert Witness Affidavits, Expert Witness Testimony, Pro Se Products & Services, Pro Se Education & Training Material, Pro Se Administrative 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!
The Banks Business Model is Foreclosing on Homeowners
The Banks Business Model is Foreclosing on Homeowners. Securitization is the reason banks want homeowners to foreclose. When a bank assigns the risk of a loan to the investors (certificate holders) of a Real Estate Investment Conduit Trust (SPV), the “bank” is no longer a traditional bank that gets the benefit of mortgage payments.
Mortgage banks and loan servicers give as few loan modifications as possible, and comply minimally with statutes put in place to protect borrowers, all while employing tricks to “cash in” on homeowners’ defaults, pushing them to foreclosure. The only thing we have found that is successful at gaining real remedy is filing a lawsuit against the banks for mortgage fraud and or foreclosure fraud.
Banks benefit from foreclosures more than loan modifications because of something called “creaming the debt.” If the Banks modify the loan, their penalties and fees might not get paid to them. When they foreclose, they get their penalties first, before the investors– which is the “creaming.” The mortgage banks make more money from foreclosure than they do from actually servicing the homeowner’s payment.
When foreclosure becomes a possibility, like when a borrower misses a payment or asks for a modification, the banks seize the opportunity for increased profit by foreclosure. Foreclosure is clearly the fattest pot of gold possible and it’s for this reason foreclosure is the bank’s primary goal. The banks take the risk of litigation because few people sue, but getting legal information as soon as possible can make the difference between homeowners asserting their rights, or losing their homes while being bulldozed by the bank.
Protect your home by learning about the tricks the Banks play
Bank Trick #1: Refusing Payments
The bank refuses the check a homeowner sends in. The bank may offer a reason (for example, there’s a mistake on the account) or it might offer no explanation at all. The bank may even offer the homeowner a loan modification. The bank does this to delay the homeowner from immediately contacting an attorney to pursue a breach of contract claim.
Alternately, the bank may take trial payments in an effort to further delay the homeowner until the arrears (also known as the forbearance) becomes so great that the homeowner is ineligible for a loan modification or unable to repay the debt.
Eventually, the servicer combines this trick with other tricks, such as changing servicers, to draw the homeowner further into default.
Bank Trick #2: Switching Services During Modification
A homeowner gets a loan modification with one servicer and makes trial payments. The servicer advises the homeowner that it is switching servicing rights to another servicer.
The new servicer claims to know nothing about the modification and delays the homeowner for months waiting to get the relevant “paperwork.” No matter how many times the homeowner sends proof of the modification, the new servicer refuses to honor it.
It is a violation of California law to not honor a modification from a prior servicer but servicers know that most people will not pursue litigation.
Bank Trick #3: Breaching a Modification Contract
The homeowner gets a loan modification that includes a balloon payment of, for example, $50,000 after 20 years. After paying on this loan modification for a year and a half, the homeowner gets a new modification in the mail from the same servicer with a balloon payment of $150,000. No matter how many times the borrower calls the servicer, or tries to forward the existing modification, the agent will respond with a fixed script that does not acknowledge the prior modification but only talks about the new one. The confused borrower will feel like he or she is talking to a robot (on a recorded line, being monitored by a supervisor). Eventually, if the borrower does not sign and execute the new modification, the bank will begin to refuse their payments on the old modification.
The servicer will also create a paper trail that tells a different story than what is actually happening. If the bank is trying to stick a borrower with a new modification, the paper trail will show the borrower is refusing the modification and mention nothing about the old one. Eventually, the servicer will stop accepting payments unless the homeowner acquiesces to the new modification.
Bank Trick #4: Extra Fees & Escrow Accounts
The homeowner receives a bill for extra fees out of nowhere so that the mortgage payment becomes something the homeowner suddenly can’t afford. The servicer refuses to accept any “partial payment.” After that, the bank continues adding on fees each month, increasing the amount the borrower has to pay to reinstate. They may offer the homeowner a loan modification as a distraction to trick the homeowner into a longer default. Because the borrower thinks they are getting a modification, they will spend the money they would have put towards their mortgage and be unprepared to pay their arrears if the modification falls through, as it most likely will.
The servicer does all this while telling the borrower they are there to help.
The servicer may pay homeowner taxes early and then accuse the homeowner of not paying them. The servicer may point to a clause in the mortgage that says if the homeowner doesn’t pay the taxes, they can raise the interest rate. They may begin charging the homeowner for forced place insurance at a high rate even though the homeowner already has insurance. This is something the homeowner only finds out after-the-fact when trying to pay property taxes.
Bank Trick #5: False Notices
In a non-judicial foreclosure state, such as California, foreclosure is done by recorded notice. The Notice of Default states the amount of arrears that a homeowner must pay back to reinstate the loan.
Servicers uniformly overstate this amount by up to $20,000, which serves two purposes: (1) It scares borrowers with an inflated amount of arrears that they believe they can’t cure; and (2) It creates a paper trail for the bank so they can claim more money from investors.
Bank Trick #6: Multiple Modifications and Dual Tracking
The bank must respond to the loan modification application with a denial or approval within a definite period. A denial must be in writing and must inform the borrower of the right to appeal. The bank cannot “dual track” a borrower by posting Notices of Foreclosure and Trustee’s Sale while reviewing the borrower for a modification.
There are big penalties for “dual tracking” by the bank, but only if it is the borrower’s first time applying. This is why a servicer will often deny a modification over the phone or encourage a borrower to apply again. Once a borrower becomes a serial modifier, the bank can dual track the borrower all it wants without statutory penalties. And, it will.
A legal way to demand your mortgage lender reduce your principal balance to 80% of the current value of your home.
Posted In Foreclosure News, Tactics, and Tips
If there was a legal way to demand your mortgage lender reduce your principal balance to 80% of the current value of your home, and reduce your interest rate to 2% fixed over thirty years would you be interested?
If you’re like most homeowners struggling to get ahead, you would. Now what if I told you that there is a way to accomplish this and that you don’t actually have to be late or behind on payments to qualify, would that interest you?
The solution is not what you might think it is. It’s not a loan modification or short sale. Loan modifications and short sales are dead. They don’t work today because banks don’t want them to work. You will quickly learn from reviewing all the news videos and reports on www.FraudStoppers.org that the entire loan modification process (and short sale process) is quickly being discovered to be one of the greatest scams ever perpetrated, by banks, on American homeowners. Just to give you an example, Bank of America alone is estimated to have over one million homeowners who qualify for a permanent loan modification, yet the bank (after taking billions in taxpayer bailout money) has approved fewer than twelve thousand permanent modifications! Why do you think that is?
So if you’re thinking about doing a loan modification to get relief, today your odds of success are extremely low. Banks are only interested in making money, and not about helping you.
The solution to getting your lender to help you is litigation, sue them! Stop playing games and wasting time trying to work with your corrupt lender, they do not want to help you. If you want to save your home and protect your financial future you need to sue your mortgage lender for mortgage fraud and legal violations that exist in your loan.
Thousands of ordinary homeowners across the country who are fed up with all the games are doing just that, they are suing their mortgage lenders to save their properties. And it’s not just homeowners who are suing the banks and mortgage lenders, the attorneys generals of several states are also suing the banks and mortgage lenders; and you can too!
The good news for you is that you can take advantage of the fact, that there are tens of thousands of homeowners that are suing their lender in court individually, and many are also banding together in class action lawsuits to fight the greedy banks in order to save their homes from foreclosure.
Homeowners everywhere are fighting in court, and they are winning. All the indications are the ones who decide to take action and sue their lenders will prevail in the end and save their homes! If 2012 was the year of the loan modification, you can say that 2013 is shaping up to be the year of the lawsuit against your lender. It seems that lawsuits are the only things banks seem to understand, and respond to today. So if you want to get the relief you’ve been looking for, and save your house from foreclosure, you’re going to have to sue your mortgage lender. And if you think it’s too hard or too expensive, don’t worry because this is not as difficult or costly as you might think it is.
Now sure, if you were to go at all alone, all by yourself, or you would have to hire your own attorney, it might be hard and extremely expensive. In fact, this is why most people struggling with foreclosure do not get legal help or decide to challenge the foreclosure in court; the bottom-line is they just can’t afford the $15,000 to $20,000 lawyers charge to fight this type of case; especially if you’re going to sue in the federal court, because your lender has violated federal law, as well as state law.
However, fortunately for you, you don’t have to hire a lawyer, or go at it all alone. You can either join an existing class action lawsuit, with thousands of other homeowners, or you can use one of Fraud Stoppers Foreclosure Defense Systems to sue your lender in federal and state court yourself. You can pay just a few thousand dollars, and still get the same relief that you would if you paid a lawyer $20,000. In fact, you will actually get more for less. You will not only have a professional prepare your lawsuit for you, but you will also learn exactly what you need to do in order to stop your foreclosure, save your house, and make your lender pay you for mortgage fraud. And once you learn how to do this, you can show others how to and earn extra money for doing it.
Officially you would be representing yourself (Pro Se) in the litigation against your lender, but you will have a professional, experienced coach standing behind you every step of the way, so you will never feel alone. With thousands of other homeowners, just like you, who have already started the process and have won, you will get to learn from others who can help you learn what works and what doesn’t work. This makes going up against your bank affordable, easy and fun.
The days of trying to mitigate and negotiate with your bank to get a loan modification are over. If you want to save your house from foreclosure you need to litigate, you need to sue your mortgage lender for the mortgage fraud and financial crimes they have committed.
Banks will continue to commit these crimes, and will do nothing to help you, until they are sued in court and a judge forces them to do what’s right and what the law requires them to do.
Here is the main problem for you, if you own a home today, the average home values across the country have plummeted nearly 45% from their peak in 2006, and are projected to drop another 10 to 20 percent by the end of 2013. In some parts of the country the declines are much higher, upwards of 50 to 60%! So it’s not getting any better, in fact Zillow.com, (one of the largest web based valuation companies of home values), recently reported that home value declines in the united states have already surpassed those of the great depression era; but nobody is reporting that!
The other problem that you face is that despite all the spin masters that tell you that the values will come back, I’m here to tell you that those values we saw in 2006 are never coming back! The value of your home will never get back to where it was in 2006, and it’s going to be at least seven to ten years (probably even longer) before you begin to see any appreciable gains in your home value. So the bottom line is you’re pretty much stock in the loan that you have right now, and you’re stuck in the payment you have unless you do something about it.
Your home may be worth less than your loan, and if that’s the case you’re not going to be able to sell it without doing a short sale. But 50% of short sales wind up in foreclosure, simply because the buyers can’t get financing. They can’t get mortgages because banks are not lending. So a short sale is really not a solution.
If you’re in foreclosure, behind on your payments, or your house is worth less than your mortgage, what is your solution? Well the solution is litigation; you must sue your lender for relief. This is the only way to get them to help you today, and the relief that is being demanded is that your bank reduce your principal balance to 80% percent of the current value, and drop your interest rate at 2% permanently!
If they do this, you settled a lawsuit with your lender. If your lender doesn’t agree to this, or a settlement offer you can live with, you simply continue to litigate and let a jury of your peers decide. Either way, you are fighting back to win and you have a much greater chance of saving your house through litigation, than trying to negotiate with the clueless customer service bank representatives; that will get you nowhere!
So if you’re tired of your lender playing games with you, stalling your request for a loan modification, telling you that you better pay up, threatening you with letters and harassing phone calls, then now’s the time to litigate. Stop wasting your time trying to negotiate with these crooked bankers that have no intention of helping you. Unless you sue your mortgage lender today, they will most likely stall you until you get so far behind you can’t catch up, and you ultimately lose your house to foreclosure. Don’t be fooled, it’s happening to hundreds of thousands of homeowners across the country right now.
If you’re behind on payments or you are currently in foreclosure we can help you; and you don’t need to be behind on payments to sue your mortgage lender for relief either. We can do a free mortgage fraud analysis and Bloomberg securitization search and if your loan qualifies you can sue your lender for fraud in order to force them to lower your loan amount and interest rate.
Review the news videos and information on our website and download your free copy of our informative report (Foreclosure Traps, Pitfalls, and Swindles) and get the facts that you need to beat the Money-Changers at their own game! The report will show you how you can save your house from foreclosure and force your lender pay you for mortgage fraud.
Complete our intake form and one of our friendly knowledgeable representatives will contact you to conduct a free consultation; it will cost you absolutely nothing to speak with us. We will explain how our proven system works, answer all of your questions, and help you determine your best and most affordable option to saving your piece of the American dream: without any high pressure sales tactics or tricks. Thank you so much for taking the time review this information and I wish you all the best of success in your efforts fighting mortgage and foreclosure fraud. Remember its not over until you win!
“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.”.
For information on foreclosure defense call us at 844-372-8378. 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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Address: 332 S Michigan Avenue Suite 1032 #F513 Chicago IL 60604-4434 Phone: 844-372-8378
Legal Information Is Not Legal Advice: This site provides “information” about the law and is only designed to help users safely cope with their own legal needs. But legal information is not the same as legal advice — the application of law to an individual’s specific circumstances. THIS SITE IS NOT INTENDED TO BE MISCONSTRUED AS LEGAL ADVICE. Fraud Stoppers is NOT a law firm, non-profit organization, or government agency. Register for your Free Mortgage Fraud Analysis and Securitization Search, and get Free Foreclosure Defense Help and Free Foreclosure Defense Documents that you can use to stop a foreclosure and save your house.