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Real Estate Justice For ALL!

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Tag Archives: RESPA

Two Different Worlds — Note and Mortgage

19 Thursday Feb 2015

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

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Citigroup, Collapse, Congress, Credit Default Swaps, Derivatives, FannieMae, Foreclosure Crisis, Foreclosure Prevention, Fraud, Freddie Mac, HOEPA, MERS, Mortgage, Note Mortgage, RESPA, RoboSigner, Securitization Fraud, Sub-Prime, UCC

February 19, 2015 by Neil Garfield

see http://www.uniformlaws.org/Shared/Committees_Materials/PEBUCC/PEB_Report_111411.pdf

*This article is not a substitute for getting advice from an attorney licensed to practice in the jurisdiction in which your property is or was located.

Back in 2008 I had some correspondence and telephone conversations with an attorney in Chicago, Robert Wutscher when I was writing about the reality of the way in which banks were doing  what they called “securitization of mortgages.” Of course then they were denying that there were any trusts, denying that any transfers occurred and were suing in the name of the originator or MERS or anyone but the party who actually had their money used in loan transactions.  It wasn’t done the right way because the obvious intent was to play a shell game in which the banks would emerge as the apparent principal party in interest under the illusion created by certain presumptions attendant to being the “holder” of a note. For each question I asked him he replied that Aurora in that case was the “holder.” No matter what the question was, he replied “we’re the holder.” I still have the letter he sent which also ignored the rescission from the homeowner whose case I was inquiring about for this blog.

He was right that the banks would be able to bend the law on rescission at the level of the trial courts because Judges just didn’t like TILA rescission. I knew that in the end he would lose on that proposition eventually and he did when Justice Scalia, in a terse opinion, simply told us that Judges and Justices were wrong in all those trial court decisions and even appellate court decisions that applied common law theories to modify the language of the Federal Law (TILA) on rescission. And now bank lawyers are facing the potential consequences of receiving notices of TILA rescission where the bank simply ignored them instead of preserving the rights of the “lender” by filing a declaratory action within 20 days of the rescission. By operation of law, the note and mortgage were nullified, ab initio. Which means that any further activity based upon the note and mortgage was void. And THAT means that the foreclosures were void.

Is discussing the issue of the “holder” with lawyers and even doing a tour of seminars I found that the confusion that was apparent for lay people was also apparent in lawyers. They looked at the transaction and the rights to enforce as one single instrument that everyone called “the mortgage.” They looked at me like I had three heads when I said, no, there are three parts to every one of these illusory transactions and the banks fail outright on two of them.

The three parts are the debt, the note and the mortgage. The debt arises when the borrower receives money. The presumption is that it is a loan and that the borrower owes the money back. it isn’t a gift. There should be no “free house” discussion here because we are talking about money, not what was done with the money. Only a purchase money mortgage loan involves the house and TILA recognizes that. Some of the rules are different for those loans. But most of the loans were not purchase money mortgages in that they were either refinancing, or combined loans of 1st mortgage plus HELOC. In fact it appears that ultimately nearly all the outstanding loans fall into the category of refinancing or the combined loan and HELOC (Home Equity Line of Credit that exactly matches the total loan requirements of the transaction (including the purchase of the home).

The debt arises by operation of law in favor of the party who loaned the money. The banks diverged from the obvious and well-established practice of the lender being the same party as the party named on the note as payee and on the mortgage as mortgagee (or beneficiary under a Deed of Trust). The banks did this through a process known as “Table Funded Loans” in which the real lender is concealed from the borrower. And they did this through agreements frequently called “Assignment and Assumption” Agreements, which by contract called for both parties (the originator and the aggregator to violate the laws governing disclosure (TILA and frequently state law) which means by definition that the contract called for an illegal act that is by definition a contract in contravention of public policy.

A loan contract is created by operation of law in which the borrower is obligated to pay back the loan to the source of the funds with or without a written instrument. If the loan contract (comprised of offer, acceptance and consideration) does not exist, then there is nothing to enforce at law although it is possible to still force the borrower to repay the money to the actual source of funds through a suit in equity — mainly unjust enrichment. The banks, through their lawyers, argue that the Federal disclosure requirements should be ignored. I think it is pretty clear that Justice Scalia and a unanimous United States Supreme Court think that argument stinks. It is the bank’s argument that should be ignored, not the law.

Congress passed TILA specifically to protect consumers of financial products (loans) from the overly burdensome and overly complex nature of loan documents. This argument about what is important and what isn’t has already been addressed in Congress and signed into law against the banks’ position that it doesn’t matter whether they really follow the law and disclose all the parties involved in the transaction, the true identity of the lender, the compensation of all the parties that made money as a result of the origination of the loan transaction. Regulation Z states that a pattern of behavior (more than 5) in which loans are table funded (disclosure of real lender withheld from borrower) is PREDATORY PER SE.

If it is predatory per se then there are remedies available to the borrower which potentially include treble damages, attorneys fees etc. Equally important if not more so is that a transaction, whether illusory or real, that is predatory per se, is therefore against public policy and the party seeking to enforce an otherwise enforceable document cannot do so because of the doctrine of unclean hands. In fact, if the transaction is predatory per se, it is dirty hands per se. And this is where Judges get stuck and so do many lawyers. The outcome of that unavoidable analysis is, they say, a free house. And their remedy is to give the party with unclean hands a free house (because they paid nothing for the origination or acquisition of the loan). I think the Supreme Court will not look kindly upon this “legislating from the bench.” And I think the Court has already signaled its intent to hold everyone to the strict construction of TILA and Regulation Z.

Full article here

 

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JPMorgan whistleblower: Justice still hasn’t been done

15 Sunday Feb 2015

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

≈ 1 Comment

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AIG, Bailout, BearStearns, Congress, Credit Default Swaps, Derivatives, EMC, Fannie Mae, Federal Reserve, Foreclosure Crisis, Fraud, Freddie Mac, JPMorganChase, MERS, Mortgage, Note, RESPA, Robo Signer, Securitization, Securitization Fraud, Sub-Prime, TILA, Title Insurance, UCC

Feb 12, 2015
From Mortgage Professional America 

The whistleblower who brought JPMorgan Chase to its knees and cost the bank a $13 billion settlement doesn’t think the bank has suffered enough.

Alayne Fleischman, who worked as a securities lawyer at JPMorgan between 2006 and 2008, turned over information on the bank’s dealings in shoddy mortgage-backed bonds during the run-up to the financial crisis. Attorney General Eric Holder was noted at the time saying the bank’s conduct, “helped sow the seeds of the mortgage meltdown.”

chaseWECHASE

Rolling Stone revealed her identity as a whistleblower last November.

In a recent interview with Financial News, Fleischman said justice hasn’t been served yet to JPMorgan and other major financial systems that caused the recession. “I’m still hopeful that, with enough public pressure, criminal cases will be brought against the individuals responsible, not just at JPMorgan but also at the other banks that sold fraudulent securities,” she told the media outlet.

dimon congress

She added banks are using their “lawyers, lobbyists and PR groups to protect individuals who should clearly be charged and tried in a court of law.”

“As long as these individuals are shielded from accountability for the damage that they’ve done, then their victims — in many cases the retirement funds of ordinary, hard-working Americans — will be left without justice,” she added.

In late 2013, JPMorgan signed a $13 billion settlement with the government to put to rest claims that it sold shoddy mortgages to investors during the run-up to the financial crisis.

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Debt collectors harass Americans even after they have lost their homes to banks

17 Monday Nov 2014

Posted by RealPropertyExpertFL in OUR Housing & Mortgage Crisis

≈ 2 Comments

Tags

AIG, Bailout, Bank of America, Bear Stearns, BearStearns, Budget, CFPB, Citigroup, Collapse, Congress, Countrywide, Court, Credit Default Swaps, Criminal, Crisis, Derivatives, EMC, Fannie Mae, FDCPA, Federal Reserve, Foreclosure Crisis, Foreclosure Fraud, Foreclosure Mill, Foreclosure Prevention, Foreclosure Review, FreddieMac, Goldman Sachs, Hamp, HOEPA, Home Affordable Modification Program, Homeowners, Housing Advocates, HSBC, JP Morgan, Lehman Brothers, MERS, Mortgage, Note, RESPA, Robo Signer, Securitization, TILA, Title Insurance, UCC, Wells Fargo

Reuters – Michelle Conlin

NEW YORK, (Reuters) – Many thousands of Americans who lost their homes in the housing bust, but have since begun to rebuild their finances, are suddenly facing a new foreclosure nightmare: debt collectors are chasing them down for the money they still owe by freezing their bank accounts, garnishing their wages and seizing their assets.

Dept. of common sense

By now, banks have usually sold the houses. But the proceeds of those sales were often not enough to cover the amount of the loan, plus penalties, legal bills and fees. The two big government-controlled housing finance companies, Fannie Mae and Freddie Mac, as well as other mortgage players, are increasingly pressing borrowers to pay whatever they still owe on mortgages they defaulted on years ago.

Using a legal tool known as a “deficiency judgment,” lenders can ensure that borrowers are haunted by these zombie-like debts for years, and sometimes decades, to come. Before the housing bubble, banks often refrained from seeking deficiency judgments, which were seen as costly and an invitation for bad publicity. Some of the biggest banks still feel that way.

But the housing crisis saddled lenders with more than $1 trillion of foreclosed loans, leading to unprecedented losses. Now, at least some large lenders want their money back, and they figure it’s the perfect time to pursue borrowers: many of those who went through foreclosure have gotten new jobs, paid off old debts and even, in some cases, bought new homes.

“Just because they don’t have the money to pay the entire mortgage, doesn’t mean they don’t have enough for a deficiency judgment,” said Florida foreclosure defense attorney Michael Wayslik.

Advocates for the banks say that the former homeowners ought to pay what they owe. Consumer advocates counter that deficiency judgments blast those who have just recovered from financial collapse back into debt – and that the banks bear culpability because they made the unsustainable loans in the first place.

“SLAPPED TO THE FLOOR”

Borrowers are usually astonished to find out they still owe thousands of dollars on homes they haven’t thought about for years. In 2008, bank teller Danell Huthsing broke up with her boyfriend and moved out of the concrete bungalow they shared in Jacksonville, Florida. Her name was on the mortgage even after she moved out, and when her boyfriend defaulted on the loan, her name was on the foreclosure papers, too.

She moved to St. Louis, Missouri, where she managed to amass $20,000 of savings and restore her previously stellar credit score in her job as a service worker at an Amtrak station.

But on July 5, a process server showed up on her doorstep with a lawsuit demanding $91,000 for the portion of her mortgage that was still unpaid after the home was foreclosed and sold. If she loses, the debt collector that filed the suit can freeze her bank account, garnish up to 25 percent of her wages, and seize her paid-off 2005 Honda Accord.

“For seven years you think you’re good to go, that you’ve put this behind you,” said Huthsing, who cleared her savings out of the bank and stowed the money in a safe to protect it from getting seized. “Then wham, you get slapped to the floor again.”

Bankruptcy is one way out for consumers in this rub. But it has serious drawbacks: it can trash a consumer’s credit report for up to ten years, making it difficult to get credit cards, car loans or home financing. Oftentimes, borrowers will instead go on a repayment plan or simply settle the suits – without questioning the filings or hiring a lawyer – in exchange for paying a lower amount.

Though court officials and attorneys in foreclosure-ravaged regions like Florida, Ohio and Illinois all say the cases are surging, no one keeps official tabs on the number nationally. “Statistically, this is a real difficult task to get a handle on,” said Geoff Walsh, an attorney with the National Consumer Law Center.

Link to full story here

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Bank Of America Settlement Looks Impressive But Maybe Its Time To Take One Of These Cases To Trial

23 Saturday Aug 2014

Posted by RealPropertyExpertFL in stop GOVT waste

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August 21, 2014 by dannlaw

I should be excited about the nearly $17 Billion Settlement agreement between Bank of America and the U.S. Department of Justice announced yesterday. I am happy for our clients here in Ohio facing foreclosure because according to initial press reports, the agreement, like previous agreements with Citibank ($7 Billion) and Chase ($13 Billion)

boa_whistleblower

 Anyone facing difficulty paying their Bank of America, Countrywide or America’s Wholesale Lender originated mortgage or who is in foreclosure currently, even though those companies are no longer involved as an investor or servicer of their loan should wait if possible until this new settlement agreement takes hold to see if there is an opportunity to negotiate a better outcome. If this agreement is anything like the National Mortgage Settlement it may require persistence and the assistance of a lawyer to access the benefits that the government has negotiated for you in this settlement.

 

My guess is that as in prior settlements DOJ left too much discretion in the hands of the Defendant in the case Bank of America to pick and choose who they will help.

 

But despite the good news, I have some serious concerns about these settlements. These pacts are about the origination and securitization of hundreds of thousand of fraudulent and unsuitable mortgages to American Consumers and their sale to unsuspecting investors throughout the world that nearly caused the collapse of the US economy in 2008. The illegal and possibly criminal conduct of these bad actors left millions of Americans financially insecure, caused a depression of the housing market that continues to this day and have cost investors and homeowners billions of their hard earned dollars.

 

What disturbs me the most is that theses settlements have been reached before a lawsuit was filed against the banks. If a complaint laying out the government’s case against Chase, and Citi and BOA had been filed before settlement, the public and future generations would have had a chance to see the unfiltered findings about the conduct of these bad actors by the Department of Justice and 50 State Attorneys General who participated in the settlement. If any of these cases had actually gone to trial, whether the government had won or lost, the adversary process would have revealed a much more realistic picture of what actually happened between 2001 and 2008 that caused the apocalyptic collapse in 2008.

 

For the agreements to come to fruition, a formal complaint and consent judgment entry will have to be filed but that complaint will be carefully drafted with the consent of Bank of America. Just as the complaints and agreements in the Chase and Citi cases were drafted jointly by lawyers for the DOJ and those banks. Historians, legal scholars and future market participants trying to determine the parameters of proper conduct will be left without the guidance that a contested trial, judgment and decision of a court of appeals could provide to how such market participants acted to incur such massive liability and how they should act in the future to avoid causing such pain and hardship to future consumers and investors. The New York Times addressed this risk of the Bank of America Settlement and other settlement on the eve of yesterday’s announcements.

 

In defending individual homeowners in foreclosure, bringing claims under state and federal consumer protection laws and civil tort claims we are taking cases to trial in Ohio every day setting standards for everything for who has standing to enforce a note and mortgage to what kind evidence a lender is required to proffer to establish a default on a mortgage or compliance with federal regulations that govern the enforcement of FHA or VA loans. These trials, decisions and appeals will provide a chronicle of the abuses of the past and a roadmap for proper conduct for mortgage lenders for the future.

 

We should expect no less from the United States Department of Justice and the State Attorney General Partners.

 

Marc Dann

 

mdann@dannlaw.com

 

877-475-8100

 

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No Dirty Deeds; why is George Mantor running for San Diego Co. Assessor-Recorder-County Clerk?

11 Sunday May 2014

Posted by RealPropertyExpertFL in Official Land Records, True Heroes

≈ 3 Comments

Tags

AIG, Bailout, BankofAmerica, Bear Stearns, Citigroup, Collapse, Congress, County Assessor-Recorder-Clerk of Court, Credit Default Swaps, Derivatives, EMC, Fannie Mae, Federal Reserve, Foreclosure Crisis, Foreclosure Prevention, Fraud, Freddie Mac, George W. Mantor, Goldman Sachs, HOEPA, JPMorganChase, Lehman Brothers, MERS, Mortgage, No Dirty Deeds, Note, RESPA, Robo Signer, San Diego California, San Diego County, Securitization, Securitization Fraud, Sub-Prime, TILA, Title Insurance, UCC, Wells Fargo, Why is George Running?

WHY IS GEORGE RUNNING?

SDCO

I am running to restore the transparency and reliability of our centuries old and highly precious land title records which have become infected and thus clouded by an unauthorized, bank-owned, alternative title registry, MERS.

Every time a mortgage assignment is entered into the MERS system without payment to the local county recorder for the recordation of same, the county loses revenue and the ability to accurately track the information. To land title records, the impact is definite and negative. Faulty information, fraud and gaps in the records have occurred as a direct result.

Even worse, it puts every property owner in the position of having their property seized without any due process whatsoever.

The incumbent has allowed for fraudulent actors, and their supporters, to access the land recording system by permitting robo-signed mortgage assignments to permeate land title records, jeopardized the sanctity of the mortgage foreclosure process and inserted uncertainty into the mortgage finance process.

The integrity of land title records and the consuming public now hang in the balance and nothing is being done.

 

 

A few weeks ago, I published a lengthy piece on the recent court case giving California homeowners some hope. http://www.msfraud.org/Glaski-Gives-Foreclosure-Litigants-Hope_1-14.html

My phone has not stopped ringing, and the documents that I have reviewed so far reveal that the same old fraudclosures are continuing to be perpetrated by Bank of America, Chase, Wells Fargo, and the rest of the gang.

They are still relying on void assignments to do it. The majority of people who contacted me so far were in some version of the mod runaround.

In short, NOTHING HAS CHANGED!

Most of these victims have sent letters and documents to all of the agencies who should be pursuing the fraud and they never hear anything back.
Where is our monitor, Katherine Porter? Where is our attorney general, Kamala Harris? Where is Eric Holder? Despite the fact that everyone knows, despite the fact that they signed consent decrees promising not to steal homes, they go right on doing it.

I’m sick of writing about it. No more polite talking with judges. I want to up my game and put more heat on the bankstas. If they cannot record obviously void documents, they cannot foreclose. So, I’ve decided that I am going to run for the office of the Assessor/Recorder/County Clerk, and put an end to this.

The incumbent offers this standard response to any suggestion that he should stop recording forged documents:

“The County Recorder does not make a determination as to the legal sufficiency of recorded documents. Recording is a process for providing constructive notice. The duty of this office is to create and maintain records of documents that are required or permitted by law to be recorded in accordance with California Government Code Section 27201 et seq.

My response is that the County Recorder has a duty to uphold the validity and the reliability of our land records and it is not permissible to file forged and fabricated documents.
470. (a) Every person who, with the intent to defraud, knowing that he or she has no authority to do so, signs the name of another person or of a fictitious person to any of the items listed in subdivision (d) is guilty of forgery.

In San Francisco, the County Recorder, Phil Ting, did an audit on foreclosure recordings and found that 85% contained fraudulent documents. Why would San Diego be any different? Given that finding, I believe he is derelict in his duties not to conduct the audit.

Fortune examined the foreclosures filed in two New York counties (Westchester and the Bronx) between 2006 and 2010. There were 130 cases where the Bank of New York was foreclosing on behalf of a Countrywide mortgage-backed security. In 104 of those cases, the loan was originally made by Countrywide; the other 26 were made by other banks and sold to Countrywide for securitization.

None of the 104 Countrywide loans were endorsed by Countrywide – they included only the original borrower’s signature. Two-thirds of the loans made by other banks also lacked bank endorsements. The other third were endorsed either directly on the note or on an allonge, or a rider, accompanying the note.

The lack of Countrywide endorsements, combined with the bank’s representation to the court that these documents are accurate copies of the original notes, calls into question the securitization of these loans, as well as Bank of New York’s right, as trustee, to foreclose on them.

These are not paperwork errors; they are evidence of a crime in progress and they are themselves criminal acts prohibited by law.

Across the country, other County Recorders have stood up to the bankstas and put a stop to filing forgeries. John O’Brien, Jeff Thigpen, and Curtis Hertel stopped accepting forged documents on behalf of the residents of their respective counties. It can be done.

San Diego County is no different. The same banks, mortgage servicers, and foreclosure mills operate here and are doing the exact same things even to this day despite numerous settlements and consent decrees. The County Recorder’s office is a crime scene, and it is a crime in progress that must be stopped.

If you are sick of politicos and bureaucrats who won’t do their jobs for the people they serve than I offer a rare alternative.

-George W. Mantor

Candidate for San Diego Co. Assessor-Recorder-Co. Clerk

 

*** GET HIM ELECTED SOCAL! ***

Assuming you were a dishonest man… you could make more with a flop than you could with a hit

http://www.scribd.com/doc/216535726/2006-PSA-Trust-Bear-Stearns-EMC-La-Salle

TBTF Derivatives Exposure – Cashing in at Taxpayers Expense

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  • Congressional Review Act Confusion: Indirect Auto Lending Guidance Edition (a/k/a The Fast & the Pointless)
  • Tax Reform and Nonprofit Bankruptcy
  • A Series of Proposals to Restructure Venezuelan Debt
  • "Drinking water from a fire hose:" The Weinstein Company Chapter 11 Hearing #2
  • Trump’s Bank Regulators
  • Junk Cities: Insolvency Crises in Overlapping Municipalities
  • Counting the millions of evictions
  • Was Charleston Gazette-Mail a good case for an Ice Cube Bond?
  • Coming Soonish to a Bookstore Near You

RSS Ritholtz

  • Richard Thaler: “Misbehaving: The Making of Behavioral Economics”
  • Transcript: Joel Greenblatt
  • 10 Sunday Reads
  • MIB: Joel Greenblatt, Gotham Asset Mgmt
  • 10 Weekend Reads
  • My Attorney Bernie, live by Blossom Dearie
  • Succinct Summations of Week’s Events 4.20.18
  • Serfdom at Amazon Warehouses
  • $28,446
  • Where the World’s Ultra Rich Population Lives

RSS Matt Stoller

  • In America, Lobbying Used to Be a Crime: A Review of Zephyr Teachout’s New Book
  • Revisiting the Japanese Experiment in Quantitative Easing
  • Why Is Alan Greenspan’s Lawyer Still Controlling the Federal Reserve?
  • Why We Need to Break Up Amazon.. And How to Do It
  • Hell Hath No Fury Like a Bankster Scorned…
  • Some Quality Republican Trolling, 1936 Edition
  • The Solution to ISIS Is the First Amendment
  • Ferguson and Bullshit Careerism
  • During the American Revolution, Did the British Used 18th Century Malware?
  • A Grand Unified Theory of Terribleness: Moneylaundering by Banks, Terrorism, Genocide, and Tax Cuts

RSS CapitalistExploits

  • Here’s Why Our View On Russia Has Changed
  • How To Triple Your Share Price In Two Weeks
  • Laundromat Lessons: Surprise, Even Kids Can Be Taught About Finance
  • This Giant Industry Is Starving For Capital
  • Insider Weekly: The Case For Buying More Oilers
  • THIS Market Has Changed And Forever… Here’s What It Means For You
  • Those Thieving Bastards (Trade Wars And IP Theft)
  • Insider Weekly: Elon Musk Is Taunting Mr. Market
  • China’s Role In The Coming Commodities Boom
  • Natural Resources & Sleeper Cells: China’s Plan For The Next 5,000 Years

RSS Mike Konczal

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RSS Max Keiser

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RSS ML-Implode

  • Actress Allison Mack Indicted In NY Sex Cult Pyramid Scheme
  • The Pension Time Bomb, $400 Trillion by 2050
  • Suntrust Hacker Steals Information On 1.5 Million Suntrust Customers
  • Al Capone's Miami Beach Mansion Hits The Market For $15 Million
  • Wells Fargo will be fined $1 billion
  • Manhattan Residential Property Listing Prices Plummet By 10.9%
  • Pharma bro Shkreli, denied minimum security camp, gets sent to federal prison in New Jersey
  • World debt hits record $164 trillion as crisis hangover lingers
  • UK government loses key Brexit Vote: Stuck with the Customs Union
  • U.S. Debt Load Seen Worse Than Italy's by 2023, IMF Predicts

RSS F-C Pro Se

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RSS LBK

  • The Road to 2025 (Part 3) – USD Dominated Financial System Will Fall Apart
  • The Road to 2025 (Part 2) – Russia and China Have Had Enough
  • The Road to 2025 (Part 1) – Prepare for a Multi-Polar World
  • Liberty Links 4/14/18 – World War 3
  • I’m Not Right, Left or Center – I’m a Free Thinking Human
  • The Time for a Massive Anti-War Movement is Now
  • Liberty Links 4/8/18 – Chinese, Russian Militaries Are Closer Than You Think, China’s Defense Minister Says
  • Brave New World Revisited and the Disease of Over-Organization
  • Liberty Links 4/1/18 – Madman John Bolton Advocated for Iran Regime Change in 2017 Speech
  • There’s Only One Word to Describe Julian Assange’s Internet Being Cut Off – Pathetic

RSS Mother Jones

  • 2014 Donald Trump Landed a Sick Burn on 2017 Donald Trump
  • President Obama Just Surprised Joe Biden With the Presidential Medal of Freedom
  • Donald Trump Will Make His Son-In-Law A Senior White House Advisor, Which May Be Illegal
  • White Nationalist Leader Doubles Down on Support for Donald Trump
  • Michelle Obama Just Gave A Speech In Virginia and Hit Donald Trump Hard
  • One Perfect Tweet That Shows How Ridiculous Fox News' Latest Scandal Is
  • Senate Democrats Just Began A Filibuster To Demand New Gun Laws
  • Elizabeth Warren Just Endorsed Hillary Clinton
  • Donald Trump Selected a White Nationalist as a Delegate in California. Here's His Campaign's Reponse.
  • We Thought We Could Not Be Shocked by Donald Trump. Then He Tweeted This.

RSS Neil Garfield

  • Lehman to Pay $2.4 Billion out of Bankrupt Estate
  • No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure
  • Fla 4th DCA Slams Door on “another Ditech loan” in foreclosure claims
  • Tonight — Silent Roles of Fannie Mae and Freddie Mac — Hiding Behind the Obtuse
  • Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability
  • Adverse Possession vs Cancellation of Instrument and Quiet Title
  • Oregon Strikes Down Hearsay Part of Affidavit
  • Why Void Assignments are Void Not Voidable
  • Discovery in Foreclosure Actions
  • Tonight 6pm EDT: The New Industry of Fabrication and Theft of Loans
  • Why Borrowers Have the Right to Rescind under the Truth In Lending Act
  • Securitization and Standing
  • ZeroHedge: It’s Subprime Time! 2008 Part Deux-Coming to a Market near You!
  • Wells Fargo “Lending” Securities It Didn’t Own
  • TILA RESCISSION: The war is NOT over contrary to bank disinformation

RSS Comments

  • Comment on REQUESTS FOR ADMISSIONS TO DEUTSCHE BANK NATIONAL TRUST COMPANY by WileyC
  • Comment on Why Void Assignments are Void Not Voidable by WileyC
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by Kalifornia
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by Kalifornia
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by WileyC
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by WileyC
  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by ANON
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by rogerrinaldi
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by ANON
  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by nadianasrawi
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by WileyC
  • Comment on Lehman to Pay $2.4 Billion out of Bankrupt Estate by Ian
  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by Ian
  • Comment on No Surprise: Ocwen & US Bank Hit by $3.8 Million Verdict in Chicago Federal Trial For Violations in Fake Foreclosure by Ian
  • Comment on Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability by Poppy
  • Comment on SEC “Cease & Desist” Reveals Deception – Wilmington Savings Fund Society, FSB as Trustee / “Transfer Agent” Was Acting On Behalf Of Unknown Investors by Faye Skelton
  • Comment on Why Void Assignments are Void Not Voidable by stanbsch
  • Comment on Why Void Assignments are Void Not Voidable by Storm Bradford
  • Comment on Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability by CementBoots
  • Comment on Bank Fraud News: The reason why banks and servicers should receive no presumption of reliability by CementBoots

RSS Mario Kenny

  • Table Et Chaise De Cuisine
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  • Chaise Pour Ilot

RSS NYT Robosigning

  • Four Senators Seek Longer Foreclosure Delay in Puerto Rico
  • The Next Crisis for Puerto Rico: A Crush of Foreclosures
  • HUD Ignored Procedures in Selling Distressed Mortgages, Report Says
  • Don’t Let Detroit’s Revival Rest on an Injustice
  • Jared Kushner’s Beleaguered Tenants
  • After Complaints, Fannie Mae Will Stop Selling Homes to Vision Property
  • Housing Regulator Is Pushed to Crack Down on Sales of Foreclosed Properties
  • In Flint, Overdue Bills for Unsafe Water Could Lead to Foreclosures
  • Cincinnati Sues Seller of Foreclosed Homes, Claiming Predatory Behavior
  • Fighting Eviction, a Gardener Turns to Organic Industry Giants for Help
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RSS SEC Litigation

  • Sohrab ("Sam") Sharma, et al.
  • John Jumper (Defendant) and Alluvion Securities, LLC, American Investments Fund II, LLC, Speedee Brakes, LLC, Thousand Hills Capital, LLC and Evertone Records, LLC (Relief Defendants)
  • Amrit J. S. Chahal
  • Lidingo Holdings, LLC, et al.
  • Andrew J. Kandelapas
  • The Lifepay Group, LLC, et. al.
  • Longfin Corp., et al.
  • Ikenna Ikokwu, et al.
  • Saverio J. Barbera
  • Merrill Robertson, Jr., et al.

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