securitization « Livinglies's Weblog

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 »

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 »

Whose Risk Is It Anyway?

Posted on May 9, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: bond fund, bond investors, bonds, Brazil, China, corporate debt securities, credit risk, Dan Genter, economic recovery, equities, falling default risk, federal income tax, financial reports, fixed-income dollars, Francois Hollander, high yield funds, interest-rate sensitivity, investment capital, investments, J.P. Morgan Funds, John Miller, junk bonds, liabilities, Loomis Sayles Bond, Malaysia, mandarin, Mexico, MFS Investment Management, Michael Collins, Morningstar Inc, mortgage bond market, mortgage bonds, multisector bond-fund grouping, municipal bonds, non-U.S. securities, Nuveen Asset Management, Payden & Rygel, play the bond market, predatory lending, Prudential Investments, rate of return, return of principal, risk in investment, RNC Genter Capital Management, Robert Hall, Robert Stewart, Russia, Sabur Moini, securities analysts, securitization, state tax, stocks, tax-exempt funds, TCW Emerging Markets Income, types of bond risk, U.S. Economy, U.S. Government, U.S. Treasury | 6 Comments »

Like I said, the loans never made into the “pools”

Posted on May 9, 2012 by Neil Garfield

Filed under: foreclosure | Tagged: AG Biden, Ally, Ally Financial Inc., attorneys general, BAC, bank loan bundling, Bank of America Corp, Bank of New York Mellon Corp, BEAR STEARNS, Beau Biden, Bermuda, Beth Kaswan, Biden-Schneiderman, BK, bond trustees, bondholders, bundling of mortgage loans into securities, Catherine Cortez Masto, Citigroup Inc, common law, countrywide, credit default swaps, credit enhancements, DBK, DELAWARE, DEUTSCHE BANK, Eric Schneiderman, follow the money, foreclosure practices, GMAC, IMG Enterprises LLC, Internal revenue Code, investment banks, investors, investors suing banks, Isaac Gradman, JP Morgan Chase & Co, Justice Department, K&L Gates LLP, Laurence Platt, Master Servicer, missing promissory note, mortgage backed securities, mortgage default, mortgage securing terms of the note, mortgage settlement, nonexistent pool, note as evidence of debt, notes with defects, Oklahoma Police Pension and Retirement System, pension funds, Prospectus, REMIC, Renee Calabro, residential home borrowers, Rick Simon, Schniedermann AG, Scott + Scott LLP, Securities and Exchange Commission, securitization, shoddy foreclosures, Talcott Franklin, taxpayer bailout, Teri Charest, toxic loans, unsecured debt, US Bankcorp, Washington Mutual, Wells Fargo & Co, WFC, yield spread premium | 93 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 »

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: 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 »

Securitization – The Undead Heart of The Shadow Banking Machine

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: The article below was written by David Malone of the Golem XIV: Author of the Debt Generation, website, and was submitted to this blog by ELLEN BROWN Ellen is an attorney and the author of eleven books, including Web [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bailout, barter system, borrower, central bank, credit risks, debt into money, Federal reserve, global finance, lien, money, Mortgage, predatory lending, promissory note, securitization, The Shadow Banking Machine | 61 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 »

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 »

Believe It Or Not It’s Getting Worse

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: Foreclosures And The Bottomless Pit Written by: Mike Whitney “There are many good reasons to believe that the 5.5 million foreclosures we have seen are barely halfway through their full course. The United States may end up with a [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: appraisal fraud, borrower, distressed homes, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, FORECLOSURE SETTLEMENT, foreclosures, forgery, fraud, housing market, housing prices, investors, Lender Liability, LOAN MODIFICATION, Moody, Mortgage, mortgage fruad, real estate inventory, securitization, settlement | 30 Comments »

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 »

Student Loans Are The Next Major Crack in Our Finance

Posted on April 9, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Disclosure to Student Borrowers: www.nytimes.com/2012/04/08/opinion/sunday/disclosure-to-student-borrowers.html?_r=1&ref=todayspaper Editor’s Comment: “We have created a world of finance in which it is more lucrative to lose money and get paid by the government, than to make money and contribute to society. In the Soviet Union [...]

Filed under: bubble, CDO, CORRUPTION, currency, education, Eviction, foreclosure, GTC | Honor, interest rates, Investor, Mortgage, securities fraud, Student Loans | Tagged: American Banker, appraisal fraud, bailout, bankruptcy, borrower, congress, disclosure, Federal reserve, foreclosure, fraud, government guaranteed loans, housing market, investors, Jamie Dimon, predatory lending, private student loan, securitization, securitized student loan debt, securitized student loans, student debt, student loans, taxpayer | 29 Comments »

You Know You are Losing When

Posted on March 31, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT CUSTOMER SERVICE 520-405-1688 Taking a line from Jeff Foxworthy, I have compiled the following guidelines of how to know when you are going to lose against the thieving bank seeking to steal your property. You might call it, “You know your screwed when…” [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: appraisal fraud, attorney general, auction fraud, borrower, chain of title, credit bids, credit default swaps, creditor, default, DocX Indictment, foreclosure defense, foreclosure fraud, FORECLOSURE SETTLEMENT, foreclosures, forgery, housing market, housing prices, investors, Lender Liability, LPS, MERS, mortgage fruad, mortgages, Robo-Signing, securitization, settlement, strategic default | 178 Comments »

LPS: So We Fabricated and Forged Documents… So what? Here’s what!!

Posted on February 1, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT IT’S ALL ABOUT THE MONEY, STUPID! Editor’s Analysis: This is the moment I have been waiting for. After years of saying the documents were real, they admit, in the face of a mountain of irrefutable evidence, that the documents were not real, but [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bankruptcy, borrower, countrywide, disclosure, Florida, foreclosure, foreclosure defense, foreclosure fraud, foreclosure offense, foreclosures, fraud, global settlement, LOAN MODIFICATION, LPS, modification, Nevada, New Hampshire, Pam Bondi, quiet title, rescission, RESPA, Robo-Signing, securitization, state AG investigation, TILA audit, trustee, WEISBAND | 30 Comments »

Deutsch Bank Inquiry Reveals Insider Influence by Paulson

Posted on February 1, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Editor’s Comment: At the end of the day, everyone knows everything. The billions that Paulson made are directly attributable to his ability to instruct Deutsch and others as to what should be put into the Credit Default Swaps and other hedge products that [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: accounting, bankruptcy, borrower, countrywide, creditor, debt, Deutsch, disclosure, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, LOAN MODIFICATION, modification, Paulson, quiet title, rescission, RESPA, securitization, swap, TILA audit, trustee, WEISBAND | 64 Comments »

Reuters: Ex-Credit Suisse Manager Pleads Guilty in Subprime Bond Probe

Posted on February 1, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT Editor’s Comment: So SOMEONE is going to jail for up to five years. But the meat of this lies between the lines. First, it was a conspiracy charge. You can’t run a PONZI scheme the size of the Madoff scheme without channels that [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: ABNI, bankruptcy, borrower, countrywide, Credit Suisse, disclosure, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, Higgs, LOAN MODIFICATION, modification, mortgage bonds, quiet title, rescission, RESPA, securitization, TILA audit, trustee, WEISBAND | 28 Comments »

Nevada AG Asks Pointed Questions to DOJ and HUD

Posted on January 31, 2012 by Neil Garfield

MOST POPULAR ARTICLES CLICK HERE TO GET COMBO TITLE AND SECURITIZATION REPORT See Full Letter from Masto to DOJ and HUD Here 1-27-12 Hawaii did it, Nevada did it and now other states are doing it. Seeing the devastating effect on the state economy and the ensuing effects on the nation’s economy and the world [...]

Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor, Mortgage, securities fraud | Tagged: bankruptcy, borrower, Catherine Cortez Masto, countrywide, disclosure, foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, Gregory M Smith, LOAN MODIFICATION, modification, Nevada, Nevada AG, quiet title, rescission, RESPA, securitization, SHAUN DONOVAN, Thomas Perelli, TILA audit, trustee, WEISBAND | 30 Comments »

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

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

Whose Risk Is It Anyway?

Like I said, the loans never made into the “pools”

The Reporter Who Saw it Coming

Wall Street Insider Exclusive to Livinglies

People Have Answers, Will Anyone Listen?

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

Securitization – The Undead Heart of The Shadow Banking Machine

How the Goldman Vampire Squid Just Captured Europe

Foreclosure Strategists: Meeting in Phx: Learn about QWRs

Believe It Or Not It’s Getting Worse

How Wall Street Perverted the 4 Cs of Mortgage Underwriting

Student Loans Are The Next Major Crack in Our Finance

You Know You are Losing When

LPS: So We Fabricated and Forged Documents… So what? Here’s what!!

Deutsch Bank Inquiry Reveals Insider Influence by Paulson

Reuters: Ex-Credit Suisse Manager Pleads Guilty in Subprime Bond Probe

Nevada AG Asks Pointed Questions to DOJ and HUD

How Long Will it Take?

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