WHAT CAN YOU DO FOR ME? An Overview of Services offered by Neil Garfield

WHAT CAN YOU DO FOR ME? Since most of our questions received by phone, email and completion of the registration form, start with that question I put together a little summary of our services to save you the time and hassle of not knowing what to ask.

First I want to thank the millions of people who have contributed information and support for this blog. You have helped me help you. And yes, I take case for direct legal representation but mostly I provide litigation support to lawyers across the country. If your case is in the State of Florida, and you want to discuss representation, then you must schedule an appointment with our legal team. Dial 954-495-9867. And remember, like all litigation, there is NO GUARANTEE of success no matter how strongly we feel about it. AND lastly, it is still true that many cases result in judgments for borrowers, but many of those are still happening at the appellate level, correcting the trial judge in his/her ruling in the court below.

Second we spend about 2 hours per day all year long in researching and publishing articles without cost to anyone. Our staff works hard alongside of me to produce the analysis, reporting and forms for homeowners and other consumers. Most of what you are looking for is somewhere on this site. But people want more and we have created an infrastructure to provide services that homeowners and their lawyers want and need.

 Our mission is to do everything we can to help people who are confronting the banks in what most people now understand are false representations made for the purpose of conducting illegal foreclosures. We provide thousands (more than 4,500) of articles for no charge on www.livinglies.wordpress.com, which is updated daily with several hours of research and analysis each day. The LivingLies Blog is the #1 place on the internet to get information regarding foreclosure, modifications, rescission and other strategies. Our suggestions should be checked with an attorney who is licensed to practice in the jurisdiction in which the property is located. But that attorney needs to be well-versed in securitization of debt, statutory rescission, and consummation of contracts.

We can help in a variety of ways:

  1. CONSULTATIONS: WITH THE COMPLEXITY OF FINANCIAL DOCUMENTS AND TRANSACTIONS, IT IS OFTEN DIFFICULT FOR CONSUMERS AND HOMEOWNERS TO EVEN KNOW WHAT QUESTIONS TO ASK. THE PATH OUT OF THAT CONFUSION IS TO GET A CONSULTATION — with someone who has studied the financial crisis as a former investment banker, attorney with the highest ratings, and trained in auditing and accounting. (See Neil Garfield Resume below)
    1. We offer 30 minute consults with Neil Garfield, who is nationally recognized expert in the securitization debt, a lawyer licensed in Florida and the Federal system, and who has been committed to helping homeowners since before the financial crisis started — something he correctly forecasted in 2007. The point of the consultation is (1) for you to be able to select and approve an attorney or other professional who is willing to commit to winning your case, getting a modification or achieve whatever objective you wish to reach and (2) to know what services you need from us
    2. TO SCHEDULE A CONSULT NOW CLICK https://www.vcita.com/v/baa7337ca6cbbba1/online_scheduling#/services WHAT YOU CAN EXPECT from a consultation is guidance on the facts of your case AND, if there is any lawyer on the line licensed in the jurisdiction in which your property is located, the consultation broadens in scope to discuss legal strategies and tactics.
    3. The thirty minute consult costs $350 and MR. Garfield usually runs over a few minutes. The 60 minute consult costs $650 and goes into much greater depth than the 30 minute consult. Mr. Garfield services as consulting expert and attorney to dozens of homeowners and lawyers across the country. If you wish to schedule a consult please click on this link: https://www.vcita.com/v/baa7337ca6cbbba1/online_scheduling#/services.
    4. All consultations are recorded on http://www.freeconference.com. After the consult you will receive a copy of the recording from the service platform and you may transcribe it, listen to it again, and use it to interview prospective attorneys.
    5. It is strongly recommended that you fill out our intake form before your consultation. This will make our discussion more productive. Please take the time to fill out our intake from (Without any charge or obligation) by clicking on the following link: https://fs20.formsite.com/ngarfield/form271773666/index.html?1453992450583 
    1. For further information please call 954-495-9867 or 520-405-1688.  If you call or email us at neilfgarfield@hotmail.com your question or request for service can then be answered more easily.
    2. NOTE: At the suggestion of several readers, we are considering a modified form of 90 minute consultation. This substantially reduces the cost of a non-on one consultation. This would be a semi-private consultation in which the participants would need to waive confidentiality since everyone would hear what is being said.
      1. For the introductory (the first scheduled multi-participant conference) the price is $99 per person, up to 10 people may participate, ask questions and listen to others ask questions. It is important that you complete the registration form before getting on the call if you really want answers instead of questions from me. For further information please call 954-495-9867 or 520-405-1688.  If you call or email us at neilfgarfield@hotmail.com
      2. A recording of the consultation will be sent out to each participant.
  2. BOOKS AND MANUALS: If you want to learn more about the financial crisis, laws and procedures and you have the motivation to read about it, we suggest Mr. Garfield’s books, which have been published since 2008, covering an overview of the securitization of debt (derivatives), expert witness affidavits, discovery, expert and fact witness testimony, and many remedies available under existing laws. We usually combine the book sale with one of the other services, so call the number or email us and we will tell you what packages of services are currently available.
    1. For further information please call 954-495-9867 or 520-405-1688.  If you call or email us at neilfgarfield@hotmail.com your question or request for service can then be answered more easily.
  3. REVIEW, ANALYSIS and REPORT: Our most popular service is a combination review, analysis, and report together with a 30 minute consultation with Mr. Garfield. This process involves research and examination of the title chain, the claims of securitization, the money trial and the document trail involving your loan.

    1. Several hours of work is performed by forensic analysts, Mr. Garfield himself and the consultation is with Mr. Garfield. This service is generally successful in encouraging attorneys to accept an engagement. The report and the recorded consultation can be emailed to anyone. AND if you present yourself as a prospective client who is well-organized and does not require repeated explanations of the same issue, the attorney is usually more receptive in accepting the engagement.

Depending upon the procedural status of the case, this service costs between $2500 and $3500. WHAT YOU CAN EXPECT is a report that will enable you to present yourself and a prospective client to lawyers who might not otherwise wish to spend an hour evaluating your case (we have already done that for them). This service normally requires approximately 2 weeks to complete. We usually find that by completing this work, the initial retainer from the new lawyer is reduced, although this varies from lawyer to lawyer.

We generally do NOT handle emergencies (except for consultations); but we can expedite your order. Generally speaking if your case does not have a looming sale date, does not have a judgment entered against you, and does not have a looming trial date, the cost can be reduced to $2500.

For further information please call 954-495-9867 or 520-405-1688.  If you call or email us at neilfgarfield@hotmail.com your question or request for service can then be answered more easily.
5. TILA RESCISSION PACKAGE: This service includes an abbreviated Review, Analysis and Report together with forms used to send the notice of rescission and record it. Rescission is a procedural remedy which has been the subject of a unanimous ruling from the Supreme Court of the Untied States (SCOTUS) in Jesinoski v Countrywide. It is codified  under the Truth in Lending Act 15 U.S.C. §1635 (TILA), including the consultation. The cost of this service is $1950.

Our premise is that if an actual creditor does not file suit to vacate the rescission within 20 days from date of receipt, the rescission stands regardless of any defects.

A 30 minute consultation is included. We recommend that the consult occur AFTER the work is completed, but we are open to having the consult before the work commences.

 

While there are restrictions in the statute that are meant to curtail the use of this remedy, it is a procedural remedy that is accomplished by the writing of a letter canceling the loan contract, note and mortgage. If there is an actual creditor who wishes to have the rescission vacated, they are required to file a lawsuit for that purpose and they must file within 20 days of receipt of the notice. No such lawsuit has ever been filed based upon our current information. The statute makes no distinctions between disputed and undisputed rescissions. NOTE: This is not my opinion, it is the opinion of SCOTUS which is the highest and final court in the land.

Thus the restrictions in the statute only are relevant if the creditor files the lawsuit. All rescissions are effective as a matter of law upon mailing — unless there is no contract to cancel.

The clarity of the statute and the recent decisions supporting this remedy provide complete clarity as to its use. The current use of this remedy is intended to avoid the need for litigation or even consultation with a lawyer.

However consumers and homeowners are advised that litigation will almost certainly follow and they should be prepared for that eventuality. We can help by providing litigation support to the extent required by the attorney for the consumer or homeowner. 

Please note that it is Mr. Garfield’s current opinion that Rescission under the Truth in Lending Act 15 U.S.C. §1635 (TILA) is not an available remedy in the event that a Final Judgment of Foreclosure has been entered. In non-judicial states, the remedy is considered available up until the time that the property is sold. This is because the alleged “loan contract” merges with the Judgment and there is no longer any contract, note or mortgage to cancel.
However, this does not mean that you can’t attack (a) the Judgment or (b) the parties who sought the judgment based upon fraudulent premises. If you are successful at vacating the judgment, you may still have a viable remedy in rescission under TILA.
 

Talk to one of our staff volunteers now to get on the path of confronting the banks, the servicers and the the trustees.

For further information please call 954-495-9867 or 520-405-1688.  If you call or email us at neilfgarfield@hotmail.com your question or request for service can then be answered more easily.

We look forward to serving you.

Neil F Garfield, M.B.A., J.D.
See Neil Garfield’s resume: RESUME NFG 2014 version copy

 

7 Responses

  1. WRITE TO YOUR SENATORS TO ABOLISH DEFICIENCY JUDGEMENTS RIGHT ACROSS NATION .

    Alaska, Arizona, California, Hawaii, Minnesota, Montana, Nevada, New Mexico, North Dakota, Oregon, and Washington are all Anti-deficiency states.Omitting any other state could be a constitutional violation and considered as discriminatory. under the Fourteenth Amendment to the UNITED STATES Constitution..

    As equity prevents duplicative or multiple recoveries for the same alleged damages, deficiency judgments after foreclosure, deed-in-lieu or short sale in any State of the UNITED SATES is illegal and must be abolished just like in 11 states of the USA, Banks can only foreclose on the collateral -not on the future life of any home owner. This is an outright violation of constitutional rights and an insult to injury, especially, when most foreclosure are done fraudulently.

    Please put an effort and take your time to write to your Senators to abolish the deficiency judgements as one needs to do what one needs to do, without the assumption of having someone else to write for you. If all think this way nothing would get done. Please write.

  2. Is there any help in Pennsylvania?

  3. stop false advertising where you don’t answer people… Why are you doing this ?

    From: Livingliess Weblog To: beverlyal@yahoo.com Sent: Monday, April 11, 2016 3:26 PM Subject: [New post] WHAT CAN YOU DO FOR ME? An Overview of Services offered by Neil Garfield #yiv7757264022 a:hover {color:red;}#yiv7757264022 a {text-decoration:none;color:#0088cc;}#yiv7757264022 a.yiv7757264022primaryactionlink:link, #yiv7757264022 a.yiv7757264022primaryactionlink:visited {background-color:#2585B2;color:#fff;}#yiv7757264022 a.yiv7757264022primaryactionlink:hover, #yiv7757264022 a.yiv7757264022primaryactionlink:active {background-color:#11729E;color:#fff;}#yiv7757264022 WordPress.com | Neil Garfield posted: “WHAT CAN YOU DO FOR ME? Since most of our questions received by phone, email and completion of the registration form, start with that question I put together a little summary of our services to save you the time and hassle of not knowing what to ask.Firs” | |

  4. People need to have home to keep work and send their kids to school.

    As many are well aware of, mortgage lenders in the year 2007 or around that time disingenuously designed a scheme to make fast money by introducing tactics such as no document loans, loans with unconscionable interest rates and negative amortization mortgages. The crooks pushed the inherent risks off onto others.

    Mortgage lenders knew that a large portion of the loans were going to be sold to Freddie Mac, Fannie Mae or securitized and sold to investors. Therefore, they even artificially INFLATED appraisals of the homes prior to approving mortgages to deceptively attract investors. While mortgage borrowers did in fact sign promissory notes with the original lenders obligating them to repay a certain amount of money, the borrowers did so in reliance on the lenders’ appraisers on the properties that were HUGELY INFLATED and were largely unaware that real estate prices were well beyond sustainable levels. This was a massive predatory lending scheme before the recession pushing risks onto homeowners at any cost. The lenders assumed the risk that a market full of upside-down properties would result in massive default judgments with a wishful thinking that they could still make money at the hardship of foreclosed homeowners. This is unjust. especially, selling homes illegally in an NON-inflated market.

    When these greedy crooks are the ones who caused this financial crisis in our country, WE THE PEOPLE CARE ABOUT, why do WE need to pay for their pockets anymore. Deficiency judgement after foreclosure, deed in lieu and short sale in these circumstances is unethical and immoral. It must stop now.

    This is like a reckless bus driver crashing a bus taking a dangerous cut road route and then when the bus crashed, the driver sues all the passengers for making some noise in the bus. Deficiency judgement is that unsuited after foreclosure.

    Please use your precious time to write to your State Senators and Governors to change all States in the UNITED STATES as anti-deficiency States.

  5. I agree anonymous, its not enough the banks steal the house and they will steal anything else worth stealing if they can get it. this entire conspiracty has been an illegal theft of property rights and a further diminishing of the middle class. we all know there has been nothing equitable about foreclosure in this crisis. we have all been dumped on by the elite (they think they are because they have the money), there is no justice anymore, only greed.

  6. ABOLISH DEFICIENCY JUDGEMENTS RIGHT ACROSS NATION .

    Alaska, Arizona, California, Hawaii, Minnesota, Montana, Nevada, New Mexico, North Dakota, Oregon, and Washington are all Anti-deficiency states.Omitting any other state could be a constitutional violation and considered as discriminatory. under the Fourteenth Amendment to the UNITED STATES Constitution..

    As equity prevents duplicative or multiple recoveries for the same alleged damages, deficiency judgments after foreclosure, deed-in-lieu or short sale in any State of the UNITED SATES is illegal and must be abolished just like in 11 states of the USA, Banks can only foreclose on the collateral -not on the future life of any home owner. This is an outright violation of constitutional rights and an insult to injury, especially, when most foreclosure are done fraudulently.

    Please put an effort and take your time to write to your State senators to abolish the deficiency judgements as one needs to do what one needs to do, without assumption of having someone else to write for you.

  7. Dear Neil F Garfield:

    Have you defended foreclosures in Rhode Island? Are you licensed to practice law in Rhode Island courts?

    From a helpless tired Rhode Islander

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