if you're struggling to pay your mortgage, if you've fallen a few months behind, or maybe you've already received foreclosure papers, and don't know where to turn. Well you may need a Qualified Attorney, but don't fall for the Banks nonsense of
"Modification Maddness" where you get the run-around and never get answers.
Call 24 hours at 1-800-761-3942
The Homeowners Helpline
could be difference between keeping or losing your home
1-800-761-3942
If you're struggling to pay your mortgage, if you've fallen a few months behind, or maybe you've received foreclosure papers and don't know where to turn. Please don't fall for the "Banks' Loan Modification Maddness", where all you get is the run-around, never getting a straight answer. You can create a
"Home Made" modification, one that gives you the financial relief you need and make the Banks prove their information is legally documented and accountable.
In these difficult times you must know that the actions being used against you by the Greedy Banks or "Banksters" & their Crooked Attorneys, are unjust, unfair and illegal.Your basic, fundamental, key
Constitutional Rights are being trampled upon. A sharp legal eye will find faults with lost promissory note,who owns your note, but especially the so-called assignments, improper,illegal endorsements, and numerous counts of fraud directly related to the sworn affidavits the Banks Attorneys are filing in support of the foreclosure case directly affecting you. It doesn't quite stop with fraud, as there are usually discrepancys in the Investor "Pooling & Servicing Agreements", as well as violations intertwined in the original loan that you signed! Whether it be violations in the Truth-in-Lending Agreement (TILA), or the Real Estate Acts and Settlement Procedures Act (RESPA).
This and this alone could keep you in your home!
*SHOCKING ADMISSION BY U.S. TREASURY: BANKS GETTING RICHER FROM LOAN MODS
*BANKS WILL BENEFIT MOST FROM NEW
WHITE HOUSE PLAN FOR FORECLOSURES
*FLORIDA ATTORNEY GENERAL ORDERS INVESTIGATIONS OF THE BANKS LAWYER
*SHAPIRO & FISHMAN ADMIT AFFIDAVITS CAN'T BE VERIFIED
*ATTORNEY DAVID STERN FILES FORGERIES
*AFFIDAVITS ARE IN-ADMISSIBLE-JUDGE RULES
*75% OF LOAN MODS BACK IN FORECLOSURE
*FLORIDA FORECLOSURE SUIT TOSSED OUT
*INVESTIGATION FLORIDA DEFAULT LAW GROUP FOR FORGERIES
The best advice is to get a jump on the situation, be "Pro-Active" and place the burden of proof onto the banks. If you're giving up any of your "Quality of Life" struggling to pay your motgage, if you're using your savings to make ends meet, then you need to realistically evaluate your current options.
Can you sell? Can you refinance? Should you short sell? Is Bankruptcy right? Now or later? Just walk-away? Deed In Lieu of Foreclosure?
Do You Owe More Money Than Your Home Is Now Worth?
That's why Powerful Applied Knowledge is important, now more than ever in this unprecedented market environment. If the Attorney General finds that the Banks' Attorneys (foreclosure mills) have engaged in unfair, illegal, and deceptive practices, with all this loan mod non-sense & fake forebearance payments, is not every Defendant who was a victim of that conduct entitled to defend their rights?
The banks have sliced and diced your loan so many times they may not be able to prove a valid lein, let alone a valid foreclosure!
Get someone on your side and defend your home and fight back.
Being Pro-Active could keep you in your home for a long time.
CALL 24 HOURS - 1-800-761-3942
Without getting into a lot of complicated explanations, this is the root of the problem. Now, you need to understand the process of the mortgage market because this is EXTREMELY important in the entire crisis. Almost 100% of all residential and commercial loans made since the late 90s were made by a bank or lender. Almost immediately after closing (and often before closing), these lenders sold these loans in pools to an aggregator of loans. Ok, a little glossary break down here. A pool of loans is two or more loans combined into a package. Smaller lenders might sell a package or pool of 50-100 loans to larger lender. The larger lender might buy 30 pools of 100 loans from 30 different smaller lenders. Now they have 3000 loans that they pool together into one big pool. You with me so far???
Ok, next heres what happens a larger bank (Chase, Countrywide, Wachovia, GMAC, Homecomings Financial, Fremont, Option One, etc) then sells these 3000 loans to another entity. This other entity is often a subsidiary but sometimes not and this other entity is a Sponsor and usually a Master Servicer entity. This means that this company is going to be the servicer of these loans. A servicer is the company that is going to collect the monthly payments, manage the escrow accounts, etc. Now, most people think that this is who they owe the money to for the loan they have because they received that notice about 60 days after closing notifying them that the Servicing of their loans was being transferred to XYZ Company. Because they make the payments to this servicer they automatically assume that this is now their lender. Remember when I just said that these large pools are usually sold to subsidiaries of the large banks? Well, its no wonder that these Master Servicing companies have highly similar names. Whats the difference between Americas Wholesale Lender and Countrywide Home Loans, Inc.? Well, a lot and very little. Both do business as Countrywide. One is a lender and one is a Master Servicer. Confusing? Yes. Purposefully? Yes. If there is confusion in Wall Street, its on purpose because these guys arent stupid. Stay with me here
Now, this is important the Mortgage doesnt give just anyone the right to foreclose, It gives the actual OWNER of the Note the right to foreclose. The owner of the actual and original Note. Not a copy of the Note but the ORIGINAL note. This is a very important point that must be understood and grasped, by everyone, including the US Government. I think that its highly possible that this bailout package might be relieving financial institutions of defaulted debt even thought that same institution may not even have the actual Notes to evidence the defaulted debt. And, is it really defaulted? How do we know that these entities werent already paid for these Notes? It depends on exactly WHO they are bailing out but if its any entity other than the Trust, those entities have already been paid for the Notes!
Back to this pool of 3000 loans so the Master Servicer has sold the 3000 loans to a Depositor for about 102.5% of the face value of these Notes. When a sale of these 3000 loans is made, the Depositor literally pays the seller of the loans a lump sum of money and the Master Servicer in turn hands over the Notes for that payment of money. And then this same Depositor sells the 3000 loans to a Trust and deposits (hence the name Depositor) these Notes into the Trust. The Trust pays the Depositor a lump sum of money and in return receives the Notes. The Master Servicer or Servicer gives the Notes, receives a lump sum payment and then promises to pay the trust a monthly payment on the money that the Trust paid it. This large monthly payment to the Trust is usually guaranteed by the Servicer and is an aggregate or sum of all of the individual 3000 borrowers who paid their monthly payment to that Servicer. The servicer collects all of those monthly payments, takes off their fees, disburses some of it to escrow accounts, etc. and then makes the payments to the Trust. The Servicers also have multiple layers of insurance that insure them against borrower defaults because the Servicers do in fact make representations and warranties on the monthly payments to the Trust that really owns these Notes.
So heres what happens to this pool of 3000 loans. The Master Servicer then sells these same 3000 loans to a Depositor. What really and actually happens is a bona fide sale of all of these loans. Now, heres an EXTREMELY important point, pay attention right here. When a loan is sold, what is really sold is the Note. The Note is sometimes called the Promissory Note. The Note is the only and real evidence of the debt. The ORIGINAL Note that is. Thats why youll sometimes here this called selling the paper. The paper debt, the NOTE, is the debt and has an actual value because you, the homeowner and borrower, have signed that note with your signature and pledged (promised) to pay that debt back. The MORTGAGE is what you give to the original lender (and any subsequent purchase of the Note) as security in case you dont pay the debt back. The mortgage gives the owner of that Note the security (the home or property) and thus the right to foreclose if you dont pay it back.
This whole process is called Securitization. This is a simplified explanation of what happens. Through this Securitization process, these Notes are packaged into whats called Asset Backed Securities or Mortgage Backed Securities in whats called a CDO (Collaterlized Debt Obligation) and are sometimes called ABS or MBS Pools. The Depositor creates something called a Special Purpose Vehicle (SPV) to deposit these Notes into the SPV and then these Notes are sold and deposited into the Trust. The Trust is owned by all sorts of investors, individual and companies, pension funds, foreign investors. etc. They collectively own these Trusts. A Trustee acts as an Agent for the Trust and on behalf of the Trust in a fiduciary relationship.
So, now that youre a securitization guru, lets get the rubber to meet the road in all of this. Heres the real rub. I told you that, legally speaking, the only evidence of this debt (the loan) is the actual and original Note; and this makes sense! If not, anyone could create a Note, get a copy of your signature (which they can get in public records on the mortgage you signed and was subsequently recorded in public records), paste it on that created Note and allege that you owe them this money. Also, because this Note is changing hands some 3-6 times in the securitization process, everyone touching it can create a copy and allege you owe them the money even though theyve already sold the original Note and have been paid for it by the new buyer! Just like a personal check, the Note has to be Endorsed to the new buyer of the Note by the Seller of that Note. They literally need to stamp on the last page of the Note, Pay to the Order of Without Recourse and then stamp or write in the name of the new buyer. On a bona fide Note, this is EXACTLY what you will see and find. Everytime this Note changes hands, it needs an actual endorsement.
So heres what literally happening with ALL of these foreclosures the Trusts are the actual owners of the majority of all of these Notes. Yes, the Trusts. A trust has a funky name such as Harborview Mortgage Loan Trust 2006-5 or Meritage Loan Trust 2007-2. Theres no such Trust named Countrywide Home Loans or Chevy Chase Bank or Citimortgage or GMAC Mortgage Co. or Residential Funding Corporation or Amtrust Bank or Fremont Investment and Loan or Option One Mortgage Co. - you get the point. All of these entities are either lenders or servicers. Period. They are NOT the Trusts that your loan and everyones loans were sold to. Dont let anyone fool you. Over 98% of all loans made since 2000 were securitized in just the fashion I described above.
Now, I can only speak to the 100 or so foreclosure cases I have personally read the complaints on in Florida and a few in Ohio. In 100% of these foreclosure cases, the suit is being brought NOT by the Trust but by the servicer or the trustee. Both of these entities are agents for the Trust but they are NOT the owners of these Notes unless they show that they re-purchased that Note from the Trust. In about 70% of the foreclosure cases we have seen, the Plaintiff (usually the servicer) is also alleging that they have LOST THE NOTE or that is has been destroyed. No, that was NOT a typo or mistake. Well, if the Note is actually lost, they dont have any actual evidence of the debt anymore.
So heres the question to start asking your Congressman or Congresswoman, your State Senators, your Governor and every other politician that has any influence and may want to be re-elected if the Federal Government is going to buy all of these non-performing or defaulted loans (ie. Notes), who are they actually going to buy them from? The Trusts or the Servicers?
And, if they can actually tell us this in plain language, are they actually going to buy the original Notes? Not a copy and not some affidavit from some $15/hour employee who is swearing that they saw the original note before it was actually lost or destroyed but the originalNote?
Im not kidding here. Im seeing 70% of the cases allege a Lost Note! When they produce the Note, what this Servicer alleges is the original note is, in fact, only a COPY of the note and is NOT the original. Want to know how I know its NOT the original?
This is easy folks. The entire securitization process that any and all Notes are involved is and must be disclosed in filings with the SEC. Yes, every Note is involved a securitization. And this MUST be filed with the SEC. And in these filings with the SEC, these companies MUST disclose all of the parties involved in that process and what that chain of securitization actually follows. That chain MUST be evidenced on every single Note on the last page of that Note in the form of an endorsement. Pay to the order of Every Note should have at a minimum of 2 endorsements and more likely, 4-5 endorsements. If a Servicer or an attorney for that Lender or Servicer produces a copy of a Note that they allege is the original Note, all one needs to do is look for those endorsements. If the endorsements dont follow EXACTLY what they have already filed with the SEC, they got real problems folks. Either they are lying to the court (called fraud) or that Note is faulty in that the proper endorsements arent there and most likely, both are real legal issues.
Stand up and challenge the Banks Unjust and Illegal Tactics!
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We would welcome the opportunity to earn your trust and deliver you the best service in the industry.
KNOWLEDGE IS POWER...
BUT APPLIED KNOWLEDGE IS THE KEY!
Allegations of Faked Documents Submitted Against You....
Our courts and our judges must be able to rely upon the representations of the lawyers that appear in their courtrooms and rely upon the veracity of the evidence they submit. Based on the broad nature of the Attorney Generals investigations and the widespread evidence of forged and fake documents that are being submitted by the foreclosure mills, our judges should have zero confidence in any of the evidence that has been submitted by the mills.some judge have already expressed as much. Why the millionaire foreclosure mills still given the benefit of the doubt.thats really what summary judgment is.in my mind not a single additional summary judgment should be granted until judges can develop some confidence that the orders theyre signing are not based on faked, forged, questionable evidence.
I wonder how our senior judges (or any judge for that matter) will feel about issuing summary judgments to law firms that are under investigation by the Attorney General.
THIS AND THIS ALONE WILL KEEP YOU IN YOUR HOME!!
If your bank is threatening to foreclose, or even if you've already had papers filed against you, it may not be too late to save your home. Homeowners have rights, and unless you know what rights you have, you wont be able to mount the best possible legal defense to save your home. You must realize what your options are and move fast!
Once you've been served with court papers, you have only a few days to fight back and stop your home from being sold out from under you. The longer you wait, the harder and more expensive your fight will be. Afraid you've missed your chace? Even if your sale date is just days away, in some cases its still possible to stop the sale and keep you in your home. But don't wait another moment to call us at 1-888-377-1371.
The banks and their attorneys are using "Dirty Tricks & Illegal Tactics" to sepaarate you from your rights, your home, your money, and your sanity! And time has proved us right. Thats why being pro-active is the key. Foreclosure Judges, State Attorney Generals & Federal U.S. Attorneys are finally listening and paying attention.
This foreclosure fiasco is "The House of Cards" that the banks, wallstreet, and our government help build. The biggest players on the Wall Street, JP Morgan, Bear Stearns, Chase, Goldman Sachs, Lehman Bros all got together to create larger pools of mortgage backed securities that they sold to investors internationally. They committed massive fraud upon these investors by lying about the fundamentals of the collateral in those securities. They are the Architects of this Foreclosure Fiasco created through, Fraud, Misrepresentation, and potentially Criminal Acts. They setup the foreclosure crisis choking our courtrooms across the country with fradulent documents. They have used unjust, unfair, and illegal practices of law to try and steal your home!!
A growing number of the people whose homes are in foreclosure are refusing to walk away in shame, and instead are finding ways to beat the Banks at their own game. They are fashioning a sort of Homemade Mortgage Modification, one that brings their payments all the way down to zero!!! They use the money they save to get back on their feet, pay down those credit cards, or sometimes to just get by. This type of modification does not beg for a lenders permission but is delivered as an ultimatum: Force me out if you can, but you must first prove a valid lien with all the pertinent documents before you can file a valid foreclosure suit. Any moral qualms are overshadowed by a conviction that the banks created this foreclosure fiasco by pushing loans though the system, that should have never been made. Then sold thse loans in bundles on Wall Street, and now cannot prove the true ownership of the Note or their Assignments!!
But the worst part is you cant get any relief or satisfaction from trying to speak directly with the banks because... Nothing Makes Sense! All you get is the run around, back and forth with document requests which they'll lose, so you must resend up to six times. All the while of being in this "twilight zone" you're sending them so called forvearance payments that will never show up to your credit on any monthly statements. The banks have raised millions and millions of dollars with this unfair practice and abuse of Forvearance against you. Where is all that money going? Is that legal? Is that moral? Is that their plan? Is this the best they can do??
Well be happy you never signed a Loan Mod because :
75% of all Loan Mod's are back in foreclosure court within six months!
STOP THE BANKS FROM GIVING YOU THE RUN-AROUND
CALL NOW 1 - 800-761-3942
The Top 10 Foreclosure Stories The Press Should Be Reporting
We must stop GREEDY BANKSTERS from stealing your home!
1. The Banks and Lenders are Resorting to Kicking Down The Doors of Homes
There is a terrifying practice that is occurring across this state and across this country of banks kicking down the doors of peoples homes, changing locks, taking property and in some cases terrorizing homeowners and residents. Sometimes this occurs after a foreclosure case has been filed, but often it happens even before a case has been filed. I have several police reports and have dozens of anecdotal stories that document this practice. One of the most disturbing components of this national tragedy is the fact that too often local law enforcement does not recognize this as a crime and then they fail to file charges and arrest those who commit these serious crimes. Judges, law enforcement, attorneys, the press, advocates and all citizens must take notice of this disturbing trend that is casting a dark shadow over our communities. There was a time not so long ago that the Nazis began kicking down doors and violating basic human rights. The world looked the other way, cowardly hoping that it was not going to happen to them. This is happening especially to the less fortunate among us. Its hard to track down and because law enforcement refuses to take action, its a crime that is going unpunished. What kind of country have we become when powerful institutions are permitted to kick down the doors of our homes and go completely unpunished?
2. Floridas Top Law Enforcement Officer Is Investigating Most of the Foreclosure Mills
The August 10, 2010 announcement that the Florida Attorney General is investigating three more of the top foreclosure mills in the state is a stunning indictment of what the foreclosure process has become and it should be a wake up call to all citizens and especially judges. Florida Default Law, Marshall Watson, David J Stern, Shapiro and Fishman These firms account for probably 80% of all the foreclosure cases filed in the State of Florida. The fact that these firms are under investigation for serious violations of the law calls into question the entire foreclosure process and it represents a very serious attack on our judicial branch. If any portion of the allegations are proven true it will have far reaching consequences on our court system for decades to come. Every judge in this state should be asking themselves, How will I feel about entering this foreclosure judgment against my neighbor if it is later determined that the law firm pursuing the foreclosure is guilty of unfair and deceptive practices? What kind of country do we live in if our courts have been compromised and co opted by attorneys and law firms who have exploited weaknesses in our legal process?
3. Foreclosure Rocket Dockets
The Florida Legislature has placed great pressure on our courts to clear the foreclosure docket and our courts are responding in part by implementing so called Foreclosure Rocket Dockets. Given the abuses that the foreclosure mills are being accused of, it is highly inappropriate to implement a judical process that is a short cut of the existing rules and structure. If anything we need to slow down the foreclosure process, give our judges far more time and the independence they need to carefully and thoughtfully review each case that passes through their chambers. And while I respect our senior judges, I am concerned about the Constitutional issues of having non elected officials judge cases that have such profound consequences. The Florida Supreme Court recently issued a statement that they intend to clear 65% of the foreclosure cases from the docket but I question the judgment in doing this when a) those responsible for these cases are under investigation and b) who will move into the foreclosed homes and c) the beneficiary of these foreclosures are the federal government and foreign interests. The St. Petersburg Times recently did a story on foreclosure rocket dockets trumpeting the fact that a senior judge was hearing 100 cases a day. The real story that could be done in every single county across the state is to examine those 100 cases carefully and consider the impact on the system when fraudulent assignments, faked affidavits and fundamental documents are questionable. These 100 files are prepped up by court staff before they are presented to the judge as ready to sign files. How many files are returned or rejected before those 100 are culled down?
4. Mercenary/Free Lance Foreclosure Mill Attorneys
The practice that has devloped in courtrooms across the state is for mercenary/free lance attorneys who work for all of the foreclosure mills at once to come to court standing ready to argue whatever case happens to be called. More often than not, they are not carrying with them the entire case file for which they are demanding summary judgmentcases for which some nameless, faceless lawyer has made affirmative representations to the court that no material disputed facts exist. The mercenary attorney is merely in court with the singular purpose in mind.to put his career on the line swearing to the judge that all the facts are correct and that whatever firm has filed the case has done it correctly and that the Plaintiff named in the lawsuit is entitled to throw the defendant out in the street. This is problematic on so many levels, primarily because these attorneys have no idea what the facts are in the case and whether the Plaintiff has any right to the foreclosure at all. This assembly line perversion of a court system is a disgrace to the practice of law. What has the practice of law become when attorneys no longer are required to have any knowledge of their cases, much less any contact or real representative relationship with the client?
5. Attorneys From Foreclosure Mills That Appear by Phone For Hearings
Any legal process is predicated upon the attorney being in a position of authority with his client so that the attorney can encourage his client to accept settlement terms that the client may not otherwise be inclined to accept. At a minimum, the attorney should be prepared to meet with opposing counsel or with the defendant to try and resolve matters prior to hearing and they should at the very least be prepared to speak intelligently with the judge about the case. In far too many foreclosure cases, the Plaintiffs attorney is not in a position to communicate with his client and has real clue what is happening with the case. In other cases, the attorney on the other end of the phone has no idea what is happening with the case. Telephone hearings in contested cases perpetuate the degradation of the practice of law and should not be tolerated when this privilege is abused. Just yesterday I sat in court and watched homeowner after homeowner tell the judge that they were in a repayment or that the lender promised they would stop the foreclosure. The foreclosure mill attorney had no idea and could only suggest that both the pro se defendant and even those who were represented by an attorney should contact the lender directly. Our rules of civil procedure forbid such contact and as the judge noted, we should not just throw the rules of civil procedure out the window because this is foreclosure court.
6. Sewer Service/Fraudulent Service of Process
The subpoenas issued to the foreclosure mills by the Florida Attorney General seek information about the process servers who are commissioned by the Plaintiffs attorneys to personally serve Defendants in a foreclosure case with the lawsuit. In an unreasonably high percentage of foreclosure cases, these process servers swear to the court that although they have made a diligent search, they are not able to locate the defendants in the foreclosure case the plaintiffs then proceed with the case via constructive service or service by publication. I recently had a $1.5 million dollar foreclosure judgment tossed out and I suspect that there are a great many of foreclosure judgments and cases across this state which are void due to the improper service of process phenomena. Our courts should carefully examine every single constructive service case and take serious action against the parties who have made improper affirmations about the location of defendants to the court.
7. Fraudulent Assignments of Mortgage/Endorsements/Affidavits
The national media has begun to cover the emerging story of Plaintiffs and their attorneys who are forging the documents they need to speed through their foreclosure cases. Floridas Attorney General is specfically investigating how the key evidence the foreclosure mills need to win their cases is being produced. We know that in many cases, the affidavits and assignments are actually produced by the attorney who is pursuing the case. This is a staggering violation of long-established court practice and case law which forbids an attorney from producing out of thin air the evidence he needs to win his case. There is no other area in the law where courts would knowingly allow attorneys to introduce evidence that they have created in order to win their case and yet, because this is only foreclosure law courts are allowing the practice to go on unchecked. In still other cases, the documents are produced on behalf of non-existent or defunct companies by individuals who have no connection with the company purporting to execute the document. In other widely-reported cases, the documents could not possibly have been executed on the date they were allegedly executed due to the date on the notary stamp. There has been very little consequences for all of this fraud and misrepresentation to judges, but the long term consequences for our justice system will be profound and wide reaching.
8. The Shadow Plaintiff/Hidden Plaintiff/Fake Plaintiff
Rarely are foreclosures brought in the name of the lender or corporation who actually has any real interest in the mortgage or the property. Rather, the lawsuit is brought in the name of a servicer or other straw party which conceals the identity of the real party in interest. There is an alarmingly high rate Ex Parte Motions to Substitute Plaintiff, Assignment of Bid and changing the name of the party that appears on the Certificate of Title after a foreclosure sale. Determining the real identity of the parties that are taking title to billions of dollars of property is an absolute requirement to understanding the scope and magnitude of this current crisis, but it is being widely ignored all across this state and across this country. The dizzing array of Plaintiff names and entities is impossible for any attorney to wrap his head around. If you push hard enough in virtually every case, you will find that the Plaintiff named in the foreclosure lawsuit has no real connection to the case. All across the country judges are granting billions of dollars in judgments and property to Plaintiffs yet they have no idea who they are granting judgment to.this is an unprecedented commentary on our court system and on our judges because they are becoming complicit in the crimes that have been committed by Wall Street and which continue to be committed in our courtrooms every day.
9. Foreclosure Cases Stalled and Foreclosure Cases Cancelled
While much attention is focused on cases where a homeowner defends the foreclosure case an even more interesting phenomena exists in the number of cases that stall out or do not proceed when no defense has been raised at all. While some incorrectly assume that these cases have stalled because some workout has been reached with the lender, I believe there is a very high number of these cases where the Plaintiff has just abandoned the case either because they do not have the evidence they need or because the shadow Plaintiff named does not want to proceed with the case. Our courts that are facing such pressure from the legislature and elsewhere to clear their dockets should be focusing on these stalled cases and effectuate dismissals of those cases rather than working to throw homeowners out of their homes.
10. Judges Refusing Public Access to Courts
An open and accessible judicial process is a fundamental freedom that is being diminished in this foreclosure crisis. Reports are rolling in from all over the state that judges are refusing to allow members of the general public to witness public hearings and that judges are refusing to grant hearings to defendants in foreclosure cases that are not represented by an attorney. Each of the judicial circuits across Florida are establishing ad hoc procedures and some judges are enforcing rules that prohibit parties from accessing their courts and which may prevent members of the general public from viewing these proceedings. This is another fundamental breakdown in our court system and a serious violation of Constitutional rights that cannot go unchecked. All court proceedings must be open and accessible to all members of the public and the media and judges need to be reminded of the vital Constitutional role they play in every single case, especially in the foreclosure docket where real rights are at stake.
WHERE IS THE NOTE & WHO OWNS IT?
SHAPIRO & FISHMAN ADMIT AFFIDAVITS CAN'T BE VERIFIED
NEW YORK FILES RACKETERING CHARGES AGAIST BANKS ATTORNEYS
FAKE NOTE ASSIGNMENTS TOTAL IN TRILLION$
ATTORNEY DAVID STERN FILES MORE FORGERIES
AFFIDAVITS ARE IN-ADMISSIBLE- RULEDBY JUDGE
JUDGES RULE: NO NOTE....NO FORECLOSURE
FLORIDA ATTORNEY GENERAL "BILL McCOLLUM" INVESTIGATES "FLORIDA DEFAULT GROUP" FOR FORGED DOCUMENT SENTERED INTO FORECLOSURE COURTS
Florida Foreclosure Suit Tossed Out of Court
Florida Judge Holds Rocket Docket To Speed Up Foreclosure Process
Bankers Association Trying To Pass Non Judicial ForeclosuresThat Enables Them To Take Your Home In 3 Months
Lost Your House or Short Sale?? ...You Still Have To Pay For It
Obama Rescue Plan Meets Unemployment
Government Programs Fail To help Homeowners
Gov. Program Actually Makes Things Worse For Homeowners
Home Owers Rejected Under Gov. Plan
Wall Street Journal Reports How Judges Forgive Entire Mortgages
Fannie Mae & Freddie Mac Executives
Each To Recieve $4 to $6 MILLION Bonuses For 2009
$200 BILLION MORE Taxpayer Money for Freddie &Fannie In 2010
Countrywide & Bank of America Charged With "RICO ACT" Because of "Lost Documents"
Banks Up To "Securitization" of Loan Mods!!
2010 No Better For Loan Modifications
Modification or Foreclosure?.... Whatever Makes The Banks More $$$$
Loan Mod Payment Reductions of 20% or More...Re-Default Again
Banks Are Up To Same Old GREEDY Tactics With 70% Interest On Credit Cards
Bank of America Claims Loan Mod's Won't Happen & Few Will Qualify
Loan Modification Horror Stories
Homeowners That Don't Know The Truth Are Told To Give Up & Walk Away
U.S. Unemployment Causing Mental Illness
Unemployment Will Linger Until 2014
Modification Program Is a Big Failure
Foreclosures Sky Rocket In South Florida 7000 New Ones In November Alone!!
IRS Forgives BILLION$ in Tax for Citi-Bank
N Y Judge Punishes "Repulsive" Banks' Actions By Forgiving Entire Mortgage Balance
Gov. Loan Mod Numbers Are A Total SHAM!!
Countrywide Charged With "RICO ACT" Because of"Lost Documents"
Florida Attorney General Files Against Bank of America Over Modification Abuses
Judge Allows LawSuit Against WAMU
NEW YORK JUDGE DISMISSES FORECLOSURE FOR 'FRIVOLOUS MOTIONS"
BREAKING NEWS* Economic Crimes Division in Ft. Lauderdale, Florida *INVESTIGATING* FLORIDA DEFAULT LAW GROUP FORECLOSURE MILL & LENDER PROCESSING SERVICES DOCx, LLC
FLORIDA SUPREME COURT SAYS BANKS MUST HAVE INFO DOCUMENTED PROPERLY
Florida AG investigating LPS subsidiary: Jacksonville Business Journal
MORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD, by Lynn Szymoniak, ESQ.
PREDATORY MORTGAGE SECURITIZATIONS
MORTGAGE SERVICING COMPANIES PREPARING REPLACEMENT MORTGAGE ASSIGNMENTS: By Lynn E. Szymoniak, Esq., Ed.
Fidelitys LPS Secret Deals With Mortgage Companies and Law Firms
BOGUS ASSIGNMENTS 2Im LOVING this!! LPS DOCx ADMISSIONS SEC 10K ROOFTOP SHOUT OUT!
2009 Mortgage Assignments Over a Trillion Dollars Sure There Were
LENDER PROCESSING SERVICES (LPS) BUYING UP HOMES AT AUCTIONS? Take a look to see if this address is on your documents!
TOPAKO LOVE; LAURA HESCOTT; CHRISTINA ALLEN; ERIC TATE Officers of way, way too many banks Part Deux The Twilight Zone
ARE FORECLOSURE MILLS Coercing Buyers for BANK OWNED homes? ARE ALL THE MILLS?
AN ASSIGNMENT OR A FORMALIZATION OR A MEMORIALIZATION? By LYNN E. SZYMONIAK, ESQ.
LENDER PROCESSING SERVICES (LPS) SECRET INSTRUCTIONS to FORECLOSURE MILLS
DOUBLE TROUBLE: Sanctions Motion filed 5/21/2010 Against LENDER PROCESSING SERVICES (LPS)
75% OF LOAN MODS BACK IN FORECLOSURE
U.S. PROBES BANKS DATA PROVIDERS
Attorney David Stern Who Handles Thousands of Foreclosures for the Banks is now under investigation
Bank of America Pays $108 Million Penalty For Lies
Homes Lost By Banks Mistakes
The Banks Communication Breakdown
Read About How A Florida Homeowner Who Is Still In His Home....but hasn't made a mortgage payment since 2002
Wall Street Is Delusional (60 Mins. Interview)
N.Y. Law Firm That Represents Banks In Trouble
Indy Mac/ One West Actually Profits from Foreclosures
Same Old Loan Mod Tricks
Man Bulldozers Foreclosed Home to The Ground To Send Message To Banks
Foreclosure May Top Out At 20 Million (1 of 3)
Foreclosures Go From Bad To Worse For 2010
Broward Leads Fla In Foreclosures
Bank of America Forecloses On Home That Couple Paid For Cash
Short Sell Your Home??? Think Again
FORECLOSURE RATES FOR MARCH AT ALL TIME HIGH
Loan Mods Applications In Limbo
450,000 May Be At Risk of Foreclosure In Loan Mod Plans
Just How Many S Fla Foreclosures???... And How Many More To Come????
More People Walk away from Mortgage
Banks Pursue Balance Long After Foreclosures
7 Million More Foreclosures for 2010
No End In Sight For Foreclosures 2010
Real Unemployment At 21%
JP MORGAN CHASE EARNS $30+ MILLION PER DAY!!!
Less Than 5% Actually Get Modified
Why Foreclosures Will Keep On Rising
Another Example of Banks Pure Greed
Listen To Rep. Marcy Kaptur: "Stay In Your Home & Fight Back!"
Foreclosure As A Financial Strategy
Are You Foolish To Pay Your Mortgage?
7 Million More Foreclosures Coming
Why Home Prices May Never Fully Recover
Banks Go On A Rampage
1 in 4 Homes Loans Not Worth Paying- 9 of 10 FlaHomes UpSideDown
Foreclosures Soars to One out of Four
Recession Is More Then Just Numbers...Its People!
A Record 1 Million New Foreclosures In Sept.
S. Fla Homes Drop Another 29% By Next Summer
"ShadowMarket" Clouds Housing Recovery
New York Home Values To Drop Another 17% By Next Summer
Worst 3 MonthsEver -With No End In Sight
84% of New YorkForeclosures Without Attorney Connecticut at 60%
Boston Foreclosures At Record Numbers
105 U.S. Bank Failures So Far This Year
What Revcovery????
1 Out of 4 Homes In Foreclosure
South Florida Sept. Foreclosures Surge 94%
Massive Amounts Of Foreclosures Clogging Courts
Commercial Real Estate Comes Crashing Down
N Y Times Reports Foreclosures Force FamiliesTo Shelters
Gov. Plan Can't Slow Foreclosure Epidemic
Gov. Modifying Banks Not Loans
