foreclosure « Livinglies's Weblog

We Are Drowning in False Debt While Realtors Push “Recovery”

Posted on May 28, 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 figures keep coming in while the words keep coming out the mouths of bankers and realtors. The figures don’t match the [...]

Filed under: foreclosure | Tagged: ARIZONA, Atlanta, Bakersfield, bank bailouts, CALIFORNIA, Citi, Coldwell Banker, collection, deadbeats, economic policy, economic recovery, EU, false debt, Florida, foreclosure, French aristocrats, Fresno, GEORGIA, handout, housing recovery, ICELAND, inflated property values, investors, Las Vegas, median home value, Michael B Sauter, Modesto, mortgage debt, negative equity, Nevada, Orlando, Phoenix, POLITICS, realtors, recording offices, recovery, Reno, Stockton, subsidies, suicide hotline, Svenja Gudell, underwater, unemployment, Vallejo, Visalia, Wall Street, zillow | 18 Comments »

Appearance Counsel for Homeowners

Posted on May 25, 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: By Bruce M Broyles esq. I am not suggesting that Attorneys start doing this. Instead, I am just floating an idea for [...]

Filed under: foreclosure | Tagged: Appearance Counsel for Homeowners, Bruce M Broyles, Civil Rule 6, foreclosure, Ohio | 112 Comments »

Message on the Forensic TILA Analysis — It’s a Lot More Than it Appears

Posted on May 22, 2012 by Neil Garfield

Featured Product by The Garfield Firm NEW! 2nd Edition Attorney Workbook,Treatise & Practice Manual For Customer Service call 1-520-405-1688 —————————————————————————– No doubt some of you know that we have had some challenges regarding the Forensic TILA analysis. It’s my fault. I decided that the plain TILA analysis was insufficient for courtroom use based upon the [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: appraisal fraud, APR, asymmetry of results, banks, bond holder, credit bid, creditor, foreclosure, forensic audit, Forensic TILA Analysis, HAMP, homeowners, investors, lawyers, real money funding, Reg Z, reset payments, RESPA, securitization, servicer, TILA audit, two closings | 34 Comments »

Short Sale No Protection Against Bank

Posted on May 16, 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: As if on queue this story appears. I have been warning buyers of short sales that they face strong headwinds in maintaining [...]

Filed under: foreclosure | Tagged: Allan Danforth, foreclosure, foreclosure fraud, Jackson County, JP Morgan Chase, KMBC, Lender Liability, punitive damages, realtor, Safeguard Properties, service originator, short-sale, theft by bank, title agent, Tony Stein | 44 Comments »

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

Posted on May 15, 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: 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 »

Objections and Preserving Your Rights on Appeal: From, Whose Lien Is It Anyway? by Neil F Garfield

Posted on May 14, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: affidavits, appellate court, bankruptcy court, bankruptcy court judges, BAP, cases affirmed on appeal, Circuit Court of Appeals, citations, clerk of the court, court abused its discretion, court reporter, denial of due process, district court judge, evidence, federal jurisdiction, fighting foreclosure, foreclosure, foreclosure cases, foreclosure defense, foreclosure fraud, foreclosure offense, fraud upon your client, fundamental error, in limine, judge, lower court, memorandum of law, Motion IN Limine, OBJECTIONS, objections in limine, objections known in advance, opposing counsel, predatory lending, Preserving your rights on appeal, pro se litigants, procedure, record on appeal, reversed on appeal, silence as concession, transcription, TRIAL, trial proceedings, Whose Lien is it anyway? | 23 Comments »

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

Posted on May 11, 2012 by Neil Garfield

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

Banks Pushing Homeowners Over Foreclosure Cliff

Posted on May 10, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: 9th Amendment, advancing premiums, Benjamin Lawsky, billing and collections, Center for Economic Justice, constitution, Consumer Financial Protection Bureau, corruption of title, cost of insurance, deceptive lending, Department of financial Services, fake foreclosures, Fannie MAe, Force Placed Insurance, foreclosure, foreclosure cliff, FORECLOSURE SETTLEMENT, foreclosures, fraudulent lending, Freddie Mac, Housing crisis, housing market, insurance policies, insurance subsidiary, mortgage insurance, mortgage servicers, predatory lending, short sales, strangers foreclosing | 44 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 »

New Attorney Workbook, Treatise & Practice Manual – 2012 Edition

Posted on May 8, 2012 by clg5645

Featured Products and Services by Garfield Firm LLC, Attorneys at Law Whose Lien Is It Anyway? by Neil F Garfield, M.B.A., J.D. 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 INTRODUCTION [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: attorney workbook, foreclosure | 4 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: foreclosures, foreclosure, investors, mortgage meltdown, housing prices, derivatives, foreclosure defense, Lender Liability, borrower, disclosure, countrywide, trustee, securitization, predatory lending, foreclosure offense, mortgage backed securities, General Electric, forgery, Ameriquest, housing market, Citigroup, Ponzi scheme, Federal Trade Commission, foreclosure fraud, Center for Public Integrity, CitiFinancial, Dean Starkman, Mike Hudson, global financial meltdown, subprime mortgage, Ford Motor Company, systematic fraud, Rich Lord, Household Finance, doctoring documents, bond market, global crisis, rogue lenders, financial alchemy | 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 »

DO You Want It To Slow Down or to Stop

Posted on May 5, 2012 by Neil Garfield

Featured Products and Services by The Garfield Firm – Whose Lien Is It Anyway? Real Property, Mortgages, Workouts and Foreclosures in the United States 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 [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: attorney workbook, Case/Schiller, derivatives, foreclosure, foreclosure defense, foreclosure offense, foreclosures, French aristocracy, Gross Domestic Product, home ownership, homeownership low, housing market, housing prices, Mortgage, TBTF, the reason Wall Street exists, Treatise & Practice Manuel | 33 Comments »

Hiding Behind Advice of Counsel No Better Than Ratings

Posted on May 4, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: accounting watchdog, Attorney Misconduct, Bank of America, Bar Association, behavior of lawyers, BOA, CFTC, Claudius Modesti, Commodity Futures Trading Commission, David Tamman, discipline lawyers, disclosure, document trail, fabrication, financial crisis, Fitch, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, forgery, GlaxoSmithKline PLC, home and commercial mortgages, Hughes Hubbard & Reed LLP, investment banks, Jeffrey Hoffman, John Wood, Justice Department, Kenneth Lench, Lauren Stevens, Lender Liability, Moody's, Mortgage, mortgage-bond deals, mortgages, Nixon Peabody LLP, predatory lending, professional misconduct, Public Company Accounting Oversight Board, regulate lawyers, Reid Weingarten, Robert Khuzami, S&P, Sarbanes-Oxley Act, SEC, Securities and Exchange Commission, securitization procedure, securitization structure, Stanley Stone, Steven Altman, U.S. Attorney for the Western District of Missouri, U.S. District Judge Roger Titus, US BANK, Wells Fargo | 46 Comments »

Breakthrough Whistleblowers for Sale?

Posted on May 4, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: bankruptcy, bankruptcy remote, closing documents, disclosure, Executive departures at Fannie, foreclosure, foreclosure defense, foreclosure offense, foreclosures, Freddie and Investment Banks, GSE, investment banking, investor pools, investors, Lender Liability, lending pools, predatory lending, whistle blowers | 15 Comments »

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We Are Drowning in False Debt While Realtors Push “Recovery”

Appearance Counsel for Homeowners

Message on the Forensic TILA Analysis — It’s a Lot More Than it Appears

Short Sale No Protection Against Bank

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

Objections and Preserving Your Rights on Appeal: From, Whose Lien Is It Anyway? by Neil F Garfield

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

Banks Pushing Homeowners Over Foreclosure Cliff

White Paper: Many Causes of Foreclosure Crisis

New Attorney Workbook, Treatise & Practice Manual – 2012 Edition

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

DO You Want It To Slow Down or to Stop

Hiding Behind Advice of Counsel No Better Than Ratings

Breakthrough Whistleblowers for Sale?

How Long Will it Take?

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