Our services consist mainly of the following:
30 minute Consult — expert for lay people, legal for attorneys
60 minute Consult — expert for lay people, legal for attorneys
Case review and analysis
Rescission review and drafting of documents for notice and recording
COMBO Title and Securitization Review
Expert witness declarations and testimony
Consultant to attorneys representing homeowners
Books and Manuals authored by Neil Garfield are also available, plus video seminars on DVD.
For further information please call 954-495-9867 or 520-405-1688. You also may fill out our Registration form which, upon submission, will automatically be sent to us. That form can be found at https://fs20.formsite.com/ngarfield/form271773666/index.html?1452614114632. By filling out this form you will be allowing us to see your current status. If you call or email us at email@example.com your question or request for service can then be answered more easily.
THE FOLLOWING ARTICLE IS NOT A LEGAL OPINION UPON WHICH YOU CAN RELY IN ANY INDIVIDUAL CASE. HIRE A LAWYER.
In my opinion, the party that should be seeking to quiet title is a creditor to whom the debt is owed. Nobody is doing that. And I believe that the reason for this is that there is no party who could actually answer to the description of a creditor. And even if there was, the “creditors” don’t want to be asserting the right to foreclose and getting involved in foreclosures.
* Lawyers who are rejecting rescission as a strategy are doing so because they think they WOULD lose in a challenge to the rescission. They have not considered whether that attack will ever come. From my perspective with hundreds of thousands of rescission notices sent, it speaks volumes that no such action for declaratory relief has ever been filed. If anyone has an example where such an action was filed, I invite you to send me the pleadings at firstname.lastname@example.org.
*Quiet title is a very restricted remedy saved for things like wild deeds and other VOID instruments (not voidable). If the instrument is voidable then you must win that point first before you can seek quiet title. My short answer is that you probably can’t get quiet title without making the mortgage or deed of trust void. And remember that the note in all probability was intentionally destroyed just as it was in most “loans”.
*One way to void the mortgage is to send rescission notice. They will probably send a letter back saying it’s beyond three years or asserting something else. But all that does is confirm receipt. Then an action to enforce rescission after the 20 days has run from date of receipt. That would be coupled with an action for injunction to prevent the parties from using the note and mortgage because they are void. Lastly the third count would be for quiet title because only a void instrument, in my opinion can be ignored for purposes of title chain. It isn’t enough to presume that the “creditor” with standing (apart from the note and mortgage) WOULD win — the creditor with true legal standing (i.e., direct financial injury from the “default” must file a declaratory action to declare that the rescission is vacated because of whatever reasons they assert and they must actually win it. Procedurally it is almost a sure thing that they have no party that can fulfill the standing requirement.
*Many lawyers are saying that they want nothing to do with rescission without realizing that it is a very strong procedural tool. The issue is not whether the rescission can withstand an attack in a declaratory action filed by a creditor who does NOT rely upon the void note and mortgage. The issue is whether that attack will EVER come from a party with standing.