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NO Reason to Modify: Banks Foreclosed to Collect 100 cents on the Dollar from the Government

Posted on May 24, 2012 by Neil Garfield

Featured Products and Services by The Garfield Firm NEW! 2nd Edition Attorney Workbook,Treatise & Practice Manual LivingLies Membership – Get Discounts and Free Access to Experts For Customer Service call 1-520-405-1688 Editor’s Comment: The math is simple which is why we are now offering as part of a forensic loan specific analysis, a HAMP analysis [...]

Filed under: foreclosure | Tagged: banks, BB&T, borrower, credit default swaps, credit enhancements, deadbeats, default, double dipping, FDIC, Final Judgement, financial institutions, foreclose, forensic loan specific analysis, fraud, fraudclose, fraudulent default, HAMP, insurance, Jim Howard, Judge Levens, loan acceleration, Mark Stopa, master servicers, Modify, mortgage bonds, mortgage loans, Mr. Bruni, principal reduced, PSA, restitution, servicers, triple dipping, Zerohedge.com | 38 Comments »

Arizona Supreme Court Hogan Case Holds that Note is Not required to Start Foreclosure

Posted on May 19, 2012 by Neil Garfield

Featured Products and Services by The Garfield Firm NEW! 2nd Edition Attorney Workbook,Treatise & Practice Manual – Pre-Order NOW for an up to $150 discount LivingLies Membership – Get Discounts and Free Access to Experts For Customer Service call 1-520-405-1688 Want to read more? Download entire introduction for the Attorney Workbook, Treatise & Practice Manual 2012 [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: Bankers, Barack Obama, borrower, CDS, Citi, Citimortgage, counterparties, credit default swaps, credit enhancements, creditor, Department of Justice, Deutsch Bank, Deutsche Bank Securities, FHA, Financial Fraud Enforcement Task Force., fraud patterns, homeowner, HUD, lender, mortgage bonds, mortgage industry, MORTGAGEIT, promissory note, quality control program, REMIC, securitization, security instrument, trust, trustee | 17 Comments »

Pandemic Lying Admission: Deutsch Bank Up and Down the Fake Securitization Chain

Posted on May 18, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: Allied Home Mortgage Corp, annual certifications, Bankers, Barack Obama, beneficiaries, borrower, CDS, Christopher B Harwood, Citi, Citimortgage, closing papers, counterparties, credit default swaps, credit enhancements, creditor, cross guarantees, cross obligations, David A Montoya, DB Structured Products Inc., debt instruments, deed of sale, DEL program, Department of Justice, Deutsch Bank, Deutsche Bank Securities, Direct Endorsement Lender Program, exotic instruments, fake securitization chain, false certifications, False Claims Act, FHA, FHA insurance, Financial Fraud Enforcement Task Force., Flagstar Bank FSB, fraud patterns, Helen Kanovsky, homeowner, HUD, Judge Lewis Kaplan, Lara K Eshkenazi, lender, mortgage bonds, mortgage industry, mortgage pool, MORTGAGEIT, OIG, Pandemic Lying Admission, Pierre G Armand, Preet Bharara, President Obama, private lenders, promissory note, quality control program, reckless lending practices, REMIC, SDNY, Securities and Commodities Fraud Working Group, securities firms, securitization, security instrument, Southern District of New York, Stuart F Delery, synthetic asset obligations, trust, trustee, U.S. Attorney Civil Frauds Unit | 42 Comments »

Az Statute on Mortgage Fraud Not Enforced (except against homeowners)

Posted on May 17, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: adequacy of consideration, Arizona Revised Statutes, attorney general, Auction, AZ statute on mortgage fraud not enforced, bogus mortgage bond, borrower, chapter 23, claims of profits, class 2 felony, class 4 felony, closing table, cOMPLAINT, constitutional requirements, credit bid, creditors, default, discovery, due process, Evictions, foreclosure proceedings, foreclosures, free house, good faith, HAMP, hearing on the merits, homeowner, investment banks, lender, material facts in dispute, mediated settlement, mediation, modification, mortgage fraud, mortgage meltdown, pretender lender, Residential mortgage fraud; classifications; definitions in Arizona, rules of civil procedure, San Francisco, Section 1, section 13-2320, securitization chain, stranger to this transaction, suicides, Title 13, traditional workout | 5 Comments »

Another Ruse: Realtors Gleeful over Equator Short Sale Platform

Posted on May 16, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: assignment, Bank of America, Bank of America Short Sale Addendum, BOA, borrower, Buyer's Acknowledgment and Disclosure, chain of title, closed loans, closing papers, county recorder, credit bid, dummy originators, Equator, Equator Short Sale Platform, fund the trust, GMAC, HUD-1, investment bank, investor-lenders, IRS, IRS Form 4506-T, Lender Liability, loss mitigation, MasterCard, MERS, Mortgage, mortgages, Nationstar, offer of proof, owner of the obligation, payment processing, principal reduction, Purchase Contract, realtors, REMIC, requirement of proof, right to foreclose, securitization chain, securitization claims, Service One, short sale applications, third party authorization form, title companies, title defect, title problem, transfer, trust, unfunded trust, Visa, Wells Fargo | 23 Comments »

Foreclosure Strategists: Phx. Meet tonight: Make the record in your case

Posted on May 15, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: appeal, attorney general, bankruptcy, borrower, court, Darrell Blomberg, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, FORECLOSURE SETTLEMENT, Foreclosure Strategists, foreclosures, forgery, homeowners, housing market, housing prices, Lender Liability, Macayo's Restaurant Phoenix, Make the record, making the record, Mortgage, mortgage meltdown, mortgages, predatory lending | 1 Comment »

The Rain in Spain May Start Falling Here

Posted on May 14, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: 54 billion euros, aristocracy, bailouts, Banco Bilboa Vizcaya Argentaria SA, Banco Santander SA, bank losses, Bank of Spain, Bankia group, Bankia loans, BBVA, Benjamin Hesse, Borja Mateo, borrower, Boston, Catalan party, Center for European Policy Studies, Central Bank of Ireland, Centre for European Policy Studies, Convergencia i Unio, corporate date, Correlation Risk, Daragh Quinn, developers, Double-Dip Recession, Edward Parker, EU, European banks, European Union, Evictions, Fidelity Investments, financial system, Fitch ratings, foreclosure defense, foreclosure offense, foreclosures, French banks, German banks, Germany, government, government bonds, Greece, Greek banks, Hollande, home prices, home-loan defaults, homeless shelter, housing bubble, housing market, housing prices, IMF, International Monetary Fund, international rescue, Ireland, Irish banks, Josep Duran i Lleida, Latin America, Madison Street Partners LLC, Madrid, market funding, Marshall Auerback, Miguel Angel Fernandez Ordonez, Moody's Investors Service, mortgage defaults, NAMA, National Asset Management Agency, Nicholas Spiro, Nomura International, Onda Cero, outraged populace, outside investors, Patrick Lee, Portugal, predatory lending, Prime Minister Mariano Rajoy, Rajoy Measures, RBC, Royal Bank of Canada, SAN, Santander, sovereign-credit risk, SPAIN, Spiro Sovereign Strategy, the rain in spain, The Truth About the Spanish Real Estate Market, toxic asets, Valencia-based group, Writedowns | 28 Comments »

AP Fannie, Freddie and BOA set to Reduce Principal and Payments

Posted on May 11, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: attorneys general, Bank of America, Bank of America Corp, BOA, BofA, borrower, California Housing Finance Agency, Edward J DeMarco, fake appraisals, Fannie MAe, foreclosure, foreclosure prevention, FORECLOSURE SETTLEMENT, foreclosures, Freddie Mac, housing market, housing prices, JP Morgan Chase & Co, Keep Your Home California, Lender Liability, LOAN MODIFICATION, Mortgage, mortgage lien, mortgage meltdown, mortgages, origination documents, predatory lending, principal reduction, reduce foreclosures, reduce mortgage balances, reduce payments, reduce principal and payments, reducing principal, Richard Green, settlement, underwater homeowners, USC Lusk Center for Real Estate, Wall Street bailout, Wells Fargo & Co | 83 Comments »

Now It’s the Servicers Betting Against Homeowners

Posted on May 11, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: Bloomberg News Editors, borrower, CFPB, Consumer Financial Protection Bureau, declaration of default, Fannie MAe, Force Placed Insurance, foreclosure, foreclosure fraud, fraud, housing insurance, housing market, insurance premiums, investors, mortgage bonds, no paper certificate, non-existant mortgage bonds, Notice of Sale, predatory lending, servicers betting against homeowners, Tara Steele | 57 Comments »

The Banks, Rushing To Foreclose So They Can Sit On Vacant Homes

Posted on May 10, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: borrower, Eviction, Florida, foreclosure, foreclosure backlog, foreclosure defense, foreclosure fraud, foreclosure judgement, foreclosure offense, FORECLOSURE SETTLEMENT, foreclosures, Hillsborough county, homeowner association, housing market, judges, Matthew D Weidner, Mortgage, Pinellas county, Pinellas-Pasco County Circuit, predatory lending, rush to foreclosure, Tampa Times, Thomas McGrady, vacant homes | 32 Comments »

White Paper: Many Causes of Foreclosure Crisis

Posted on May 9, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: AG Horne, asset price bubbles, asymmetry of information banks used to leverage against borrowers, attorney general, AZ AG Tom Horne, borrower, bostonfed.org, Christopher L Foote, compare the tobacco settlement to the foreclosure settlement, corrupt title system, credit bids, credit bids from non-creditors, criminal actions against banks and services, Darrell Blomberg, deeds on foreclosure, design policies, Economists, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, FORECLOSURE SETTLEMENT, Foreclosure Strategist, foreclosures, homeowners tricked, Kristopher S Gerardi, Moral Hazard, Mortgage, mortgage bonds, mortgage fraud, mortgage meltdown, mortgages, Paul S Willen, predatory lending, public policy discussion paper no. 12-2, racketeering of banks and services, reckless disregard, securitized loans, settlement, sham auctions, sham transactions, The causes of the foreclosure crisis, theft of investor money, TILA, Tom Horne, uninformed mortgage borrowers, unscrupulous bankers, wild deeds | 23 Comments »

CFPB Issues Bulletin Removing the Corporate Veils

Posted on May 8, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: borrower, CFPB, Consumer Financial Protection Board, Darrell Blomberg, Dodd-Frank Act, due diligence, Federal consumer financial law, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, forgery, fraud, homeowner, Mortgage, predatory lending, service provider, Title X, wrongful foreclosure | 49 Comments »

The Reporter Who Saw it Coming

Posted on May 8, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: Ameriquest, bond market, borrower, Center for Public Integrity, CitiFinancial, Citigroup, countrywide, Dean Starkman, derivatives, disclosure, doctoring documents, Federal Trade Commission, financial alchemy, Ford Motor Company, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, forgery, General Electric, global crisis, global financial meltdown, Household Finance, housing market, housing prices, investors, Lender Liability, Mike Hudson, mortgage backed securities, mortgage meltdown, Ponzi scheme, predatory lending, Rich Lord, rogue lenders, securitization, subprime mortgage, systematic fraud, trustee | 32 Comments »

Foreclosure Strategists: Phx. Meet tomorrow with AZ AG Tom Horne

Posted on May 7, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: attorney general, AZ Attorney General, Bank of America, bankruptcy, borrower, countrywide, Darrell Blomberg, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, FORECLOSURE SETTLEMENT, Foreclosure Strategists, foreclosures, forgery, fraud, housing market, housing prices, Lender Liability, Macayo's Restaurant Phoenix, Mortgage, mortgage meltdown, mortgages, predatory lending, Tom Horne | 1 Comment »

Mortgage Rates in U.S. Decline to Record Lows With 30-Year Loan at 3.84%

Posted on May 7, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: BLOOMBERG NEWS, borrower, Case/Schiller index, consumer debt, debt bürden, Eviction, Federal reserve, financial sector, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, forgery, fraud, Gdp, housing market, housing prices, investment bankers, investment capital, Lender Liability, Mortgage, mortgage meltdown, mortgage rates, predatory lending, TBTF, tier 2 yield spread premium | 3 Comments »

Wall Street Insider Exclusive to Livinglies

Posted on May 7, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: accounting transactions, allonge, assignment, auction fraud, borrower, Chapter 8, county registrar, current fair market value, financial asset, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, fraud, indorsement, investor pool, Judge Shack, Mortgage, Obligation to notify issuer of lost destroyed or wrongfully taken security certificate, owner/purchaser of a security, predatory lending, PSA, REMIC, secondary market, Section 36-8-405, Section 36-8-406, securitization, securitization industry, security certificate, who would buy a loan in default? | 24 Comments »

People Have Answers, Will Anyone Listen?

Posted on May 3, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: Thanks to Home Preservation Network for alerting us to John Griffith’s Statement before the Congressional Progressive Caucus U.S. House of Representatives. See his statement below. People who know the systemic flaws caused by Wall Street are getting [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: fraud, bailout, foreclosures, foreclosure, investors, Eviction, mortgage meltdown, Federal reserve, bankruptcy, housing prices, foreclosure defense, settlement, Lender Liability, borrower, disclosure, trustee, Fannie MAe, Freddie Mac, RESPA, securitization, predatory lending, rescission, foreclosure offense, TILA audit, FORECLOSURE SETTLEMENT, MERS, appraisal fraud, LOAN MODIFICATION, HAMP, foreclosure crisis, mortgages, principal reduction, forgery, housing market, strategic default, FHFA, Robo-Signing, foreclosure fraud, auction fraud, John Griffith, Martin Andelman, Center for American Progress Action Fund, Congressional Progressive Caucus U.S. House of Representatives, Preventing more foreclosures, Grijalva, housing policy, Jordan Eizenga | 42 Comments »

HOAs Retaliate Against Banks Skipping Out on Paying Maintenance Expenses

Posted on May 2, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: Having had the experience of representing Condominium Associations, Cooperatives and Homeowners Associations in Florida on a large scale, I am acutely aware of the pain they feel when “neighbors” don’t pay their monthly fees. The rest of the [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: abandoned homes, Anthony DiMarco, auction fraud, Bank of New York Mellon, borrower, Brandon Mullis, canceled home auctions, canceled home sales, chain of title, credit bid, FishHawk Ranch, Florida bankers Association, foreclosure, foreclosures, Hillsborough county, HOA, Homeowner's Association, housing inventory, housing market, Judge Herbert Baumann Jr., Leonard J Mankin, Mortgage, mortgages, Palm Harbor, Pinellas county, Rizzetta & Co., Snell Island, Tampa's Avila, Thomas McGrady chief judge, title, US BANK, Valencia Gardens Homeowner's Association, Valencia Gardens subdivision | 31 Comments »

Colorado Moves Forward with Legislation to Prevent Fraudulent Foreclosures

Posted on May 2, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: Once upon a time it was a simple thing. If you sued someone, you had to say why, plead facts that supported the relief you wanted, and then demand the relief. Today it is considered nearly revolutionary to [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bogus mortgage bonds, borrower, Colorado Banker's Association, Colorado foreclosures, Colorado Progressive Coalition, Corrine Fowler, foreclosure, foreclosure defense, foreclosure legislation, foreclosure offense, foreclosures, fraudulent foreclosure, fund manager, home ownership without pattern of proof, initiative 84, investment bank, mortgage bonds, pensioners, statement of qualified holder | 15 Comments »

California Leads as Nation Braces for Another Foreclosure Push

Posted on April 30, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: Despite successful legislation in Nevada, Hawaii and other places that have required proof of transactions (actual exchange of money) and proof of authentic documentation, the number of foreclosures is heading up with California leading the way. Legislators should [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: borrower, distressed homes, foreclosure, foreclosure defense, foreclosure filings, foreclosure fraud, foreclosure rates, highest foreclosure rates, Robo-Signing | 33 Comments »

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NO Reason to Modify: Banks Foreclosed to Collect 100 cents on the Dollar from the Government

Arizona Supreme Court Hogan Case Holds that Note is Not required to Start Foreclosure

Pandemic Lying Admission: Deutsch Bank Up and Down the Fake Securitization Chain

Az Statute on Mortgage Fraud Not Enforced (except against homeowners)

Another Ruse: Realtors Gleeful over Equator Short Sale Platform

Foreclosure Strategists: Phx. Meet tonight: Make the record in your case

The Rain in Spain May Start Falling Here

AP Fannie, Freddie and BOA set to Reduce Principal and Payments

Now It’s the Servicers Betting Against Homeowners

The Banks, Rushing To Foreclose So They Can Sit On Vacant Homes

White Paper: Many Causes of Foreclosure Crisis

CFPB Issues Bulletin Removing the Corporate Veils

The Reporter Who Saw it Coming

Foreclosure Strategists: Phx. Meet tomorrow with AZ AG Tom Horne

Mortgage Rates in U.S. Decline to Record Lows With 30-Year Loan at 3.84%

Wall Street Insider Exclusive to Livinglies

People Have Answers, Will Anyone Listen?

HOAs Retaliate Against Banks Skipping Out on Paying Maintenance Expenses

Colorado Moves Forward with Legislation to Prevent Fraudulent Foreclosures

California Leads as Nation Braces for Another Foreclosure Push

How Long Will it Take?

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