mortgage meltdown « Livinglies's Weblog

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

Posted on May 17, 2012 by Neil Garfield

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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 »

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 »

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 »

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 »

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 »

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

How Did H & R Block Get into the Subprime Mortgage Business?

Posted on April 27, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Tax Preparer Slammed with $24 Million in Fines on Toxic Mortgages Editor’s Comment: You really have to think about some of these stories and what they mean. 1. Where is the synergy in a merger between Option One and H&R [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: assignment, bailout, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, forgery, H & R Block, housing market, Investor, investors, Lender Liability, merger between Option One and H&R Block, money trail, mortgage backed securities, mortgage meltdown, mortgages, Ocwen, Option One, predatory lending, PSA, residential mortgage-backed securities, Robert Khuzami, Sand Canyon Corp, SEC, Securities and Exchange Commission, securitization, Subprime Mortgage Business, tax company, TILA, toxic mortgages | 25 Comments »

How the Goldman Vampire Squid Just Captured Europe

Posted on April 26, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: Guest Writer: Ellen Brown Ellen is an attorney and the author of eleven books, including Web of Debt: The Shocking Truth About Our Money System and How We Can Break Free. Her websites are webofdebt.com and ellenbrown.com. She [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bailout, bankruptcy, borrower, Ecb, Ellen Brown, ESM, EU collages, European Central Bank, European Financial Stabilization Mechanism, European Stability Mechanism, Federal reserve, foreclosure offense, forgery, fraud, Goldman Sachs, Henry Paulson, housing market, housing prices, Lender Liability, Mario Draghi, Mortgage, mortgage meltdown, mortgages, permanent bailout fund, predatory lending, securitization, TARP, Troubled Asset Relief Program, Truthout | 10 Comments »

National Notary Association Takes Up Robosigning

Posted on April 25, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: National Notary Association to take Up Issue of Forgery, Robosigning and attesting to authority in corporate capacity. Arizona’s Ken Bennett, Secretary of State, is among the officials leading the charge on this issue. Notary Trade Group: Foreclosure Fraud [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: Arizona Secretary of State, borrower, Ethical notarization, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, forgery, fraud, housing market, Ken Bennett, Mortgage, mortgage meltdown, mortgages, National Mortgage Settlement, National Notary Association, notary compliance, notary forgery, Notary Trade Group, predatory lending, quiet title, rescission, Robo-Signing, robosigning | 30 Comments »

Don’t leave or enter short sale home without quiet title and adequate title insurance.

Posted on April 25, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 U.S. home short sales surpass foreclosure deals for first time Editor’s Comment: Well of course short sales will be higher than REO sales. REO sales of foreclosed property where the bank or its agent owns the property presents a virtually [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bankruptcy, borrower, creditor, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, FORECLOSURE SETTLEMENT, foreclosures, housing market, housing prices, Mortgage, mortgage fruad, mortgage meltdown, mortgages, New Mexico, predatory lending, quiet title, REO sales, reverse eviction, reverse foreclosure, short-sale, title insurance | 23 Comments »

Foreclosure Strategists: Meeting in Phx: Learn about QWRs

Posted on April 23, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: Contact: Darrell Blomberg Darrell@ForeclosureStrategists.com 602-686-7355 Meeting: Tuesday, April 24, 2012, 7pm to 9pm Qualified Written Requests (QWRs) 10-day Owner / Assignee Requests Payoff Demand Requests The goal of this meeting is to build an effective set of requests [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: borrower, Darrell Blomberg, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, FORECLOSURE SETTLEMENT, Foreclosure Strategists, foreclosures, forgery, investors, LOAN MODIFICATION, Mortgage, mortgage fruad, mortgage meltdown, predatory lending, qualified written request, quiet title, QWR, securitization, settlement, strategic default, TILA audit | 1 Comment »

How Wall Street Perverted the 4 Cs of Mortgage Underwriting

Posted on April 10, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Editor’s Comment: For thousands of years since the dawn of money credit has been an integral part of the equation. Anytime a person, company or institution takes your money or valuables in exchange for a promise that it will return [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: appraisal fraud, bailout, borrower, capacity, cash, collateral, community bank, credit, credit union, credit-default swap, disclosure, FDIC, Federal reserve, foreclosure, foreclosure defense, foreclosure offense, FORECLOSURE SETTLEMENT, foreclosures, forgery, fraud, housing market, investors, Lender Liability, loan underwriting, MEGABANKS, Merendon Mining, Mortgage, mortgage fruad, mortgage meltdown, mortgages, predatory lending, RESPA, securitization, settlement | 10 Comments »

A USEFUL PRIMER OF TERMS FROM O. MAX GARDNER AND RICHARD D. SHEPARD

Posted on July 6, 2011 by Neil Garfield

Your Client’s Securitized Mortgage: a Basic Roadmap Part 1 [2009-11-19] Your Client’s Securitized Mortgage: A Basic Roadmap PART 1: The Parties and Their Roles The first issue in reviewing a structured residential mortgage transaction is to differentiate between a private-label deal and an “Agency” (or “GSE”) deal. An Agency (or GSE) deal is one involving [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: AGGREGATOR, custodian, Depositor, foreclosure, foreclosure defense, foreclosure offense, foreclosures, Indenture trustee, Master Document Custodian, Master Servicer, Mortgage, mortgage meltdown, originator, OWNER TRUSTEE, PRIMARY SERVICER, RESPONSIBLE PARTY, securitization, servicer, Sponsor, trustee, WAREHOUSE LENDER | 1 Comment »

BOA FUNDS MORTGAGE ON STOLEN HOUSE AND BLAMES BORROWER — FIRST AMERICAN TITLE DENIES LIABILITY

Posted on June 20, 2011 by Neil Garfield

MOST POPULAR ARTICLES DISCOUNT FOR EARLY BIRD REGISTRATION RUNS OUT ON JUNE 22 CLICK HERE TO REGISTER FOR 2 DAY GARFIELD CONTINUUM CLE SEMINAR GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE SEE VIDEO: HOW COULD THE TITLE COMPANY AND BOA CLOSE ON A LOAN WHERE THE BUYER DID NOT GET TITLE? At first [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: Bank of America, borrower, countrywide, credit crisis, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, mortgage meltdown, predatory lending, quiet title, rescission, securitization, TILA audit, trustee, Wells Fargo | 33 Comments »

NY APPELLATE COURT: MERS IS A FICTIONAL CHARACTER — LIKE DONALD DUCK

Posted on June 14, 2011 by Neil Garfield

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE LIVINGLIES VINDICATED BY THIRD APPELLATE DECISION IN AS MANY DAYS SOUTH FLORIDA SEMINAR FILLING UP — REGISTER TODAY TO GET EARLY BIRD DISCOUNT FOR EARLY BIRD REGISTRATION RUNS OUT ON JUNE 15 CLICK HERE TO REGISTER FOR 2 DAY GARFIELD CONTINUUM CLE SEMINAR [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bailout, Bank of America, bankruptcy, borrower, Chapter 13, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, Lender Liability, lost note, Mortgage, mortgage meltdown, predatory lending, quiet title, rescission, securitization, TILA audit, trustee | 40 Comments »

NY and DE Examine Trust Documentation: Pandora’s Box Open

Posted on June 14, 2011 by Neil Garfield

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE — EVIDENCE COUNTS!!! click-here-to-register-for-seminar WHY YOU NEED TO ATTEND GARFIELD CONTINUUM SEMINAR If you don’t understand why the bundling of mortgages at the level of the investment banks is important to your case(s) involving securitized mortgages, then you don’t “get it” yet. [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bailout, Bank of America, borrower, countrywide, credit crisis, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, MERS, mortgage meltdown, predatory lending, principal reduction, quiet title, rescission, securitization, TILA audit, trustee, Wells Fargo | 34 Comments »

GAME OVER? VEAL CASE VINDICATES EVERY POINT REPORTED ON LIVINGLIES

Posted on June 13, 2011 by Neil Garfield

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE — EVIDENCE COUNTS!!! NEIL GARFIELD, GARFIELD CONTINUUM SEMINARS, LIVINGLIES VINDICATED IN FULL NO MERIT TO FORECLOSURE ACTIONS, PAST PRESENT OR FUTURE UNLESS THE REAL CREDITOR IS PRESENT. BURDEN OF PROOF SHIFTS TO PRETENDERS 57568003-IN-RE-VEAL-w “IN THIS CASE, ONE COMPONENT OF PRUDENTIAL STANDING IS [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: 9TH CIRCUIT, AHMSI, ARTICLE 3, ARTICLE 9, Bank of America, bankruptcy, BAP, borrower, countrywide, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, fraud, lender, Lender Liability, MERS, mortgage meltdown, motion to lift stay, NINETH CIRCUIT, note, Option One, PROOF OF CLAIM, PRUDENTIAL STANDING, quiet title, REAL APRTY IN INTERST, rescission, securitization, standing, TILA audit, trustee, UCC, UNIFORM COMMERCIAL CODE, Wells Fargo | 77 Comments »

Mary Cochrane on Fighting Back

Posted on June 13, 2011 by Neil Garfield

MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Dear Scott, and all ‘Consumers’ stop being bullied! Open up the windows and scream outside at the top of your lungs! Just like in the move was it in BROOKLYN? ‘I AM NOT GOING TO TAKE THIS ANYMORE”? Consumers are in danger of [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bailout, Bank of America, borrower, countrywide, creditor, disclosure, Eviction, foreclosure, foreclosure defense, foreclosure offense, fraud, Lender Liability, mortgage meltdown, predatory lending, quiet title, rescission, securitization, TILA audit, trustee, Wells Fargo | 19 Comments »

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

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

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

White Paper: Many Causes of Foreclosure Crisis

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%

People Have Answers, Will Anyone Listen?

How Did H & R Block Get into the Subprime Mortgage Business?

How the Goldman Vampire Squid Just Captured Europe

National Notary Association Takes Up Robosigning

Don’t leave or enter short sale home without quiet title and adequate title insurance.

Foreclosure Strategists: Meeting in Phx: Learn about QWRs

How Wall Street Perverted the 4 Cs of Mortgage Underwriting

BOA FUNDS MORTGAGE ON STOLEN HOUSE AND BLAMES BORROWER — FIRST AMERICAN TITLE DENIES LIABILITY

NY APPELLATE COURT: MERS IS A FICTIONAL CHARACTER — LIKE DONALD DUCK

NY and DE Examine Trust Documentation: Pandora’s Box Open

GAME OVER? VEAL CASE VINDICATES EVERY POINT REPORTED ON LIVINGLIES

Mary Cochrane on Fighting Back

How Long Will it Take?

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