LivingLies Foreclosure Survey Results: Delay, Defend and Destroy

By The Lending Lies Team

Several weeks ago we asked our readers to take a brief survey.  The results are revealing and expose an egregious pattern of fraud and abusive lending practices.  The majority of respondents stated that they were unable to find competent counsel, had been lured into predatory loan modifications, and had identified fraudulent mortgage documents in their Chain of Title. The majority stated they could not find assistance or relief even when the fraud was obvious.

Most shocking were the stories of desperation, major depression, and a loss of faith in the judiciary and governmental agencies.  The fact that this issue has continued to fester for almost a decade is representative of the corruption that permeates Wall Street, the Judiciary and state and federal agencies that refuse to enforce the regulations and laws that are suppose to prevent this type of fiasco.  At some point this issue will come to a head- because there is only so much that injured homeowners will tolerate.  Are we at that tipping point yet?  The comments and results speak for themselves.

Do you have an attorney?  Do you believe your attorney is doing a good job for you?

Fired two attorneys won a class action lawsuit as they did nothing to defend me. Stole my money and made my case more difficult

2/17/2017 6:07 PM

Yes. Ken Rosellini of Clifton New Jersey. Yes he is an awesome attorney. The courts in New Jersey are prejudicial.

2/17/2017 4:59 PM

Yes, but not a good job spent 50 K in California and never once able to present evidence so I wrote to the judge and said 12 B6 was unconstitutional, I haven’t lied, discretionary judge powers without presentation of evidence is absurd. I have begged to allow many discovery. Will wait to see what he says.

2/17/2017 4:55 PM

yes. no, legal aid just happy to delay and not resolve.

2/17/2017 4:17 PM

No. Paralegal help – Jim Macklin – he’s OK

2/17/2017 3:56 PM

Will be looking for an attorney once I have the money to do so.

2/17/2017 3:55 PM

No and I would not hire an attorney.

2/17/2017 2:54 PM

For 8 1/2 years no, but at trial & now in the appeals court, and only for medical reasons, yes I have an attorney. I fired the first attorney for various reasons, not happy with him. Second is very new.

2/17/2017 2:52 PM

No my atty disbarred and indicted for fraud against clients

2/17/2017 2:37 PM

No attorney now, and have had good help over the years, but courts are on crack.

2/17/2017 2:27 PM

Don’t have one. Had to fight BofA on my own as I couldn’t afford an attorney and now I can’t afford one again, but might be able to put downpayment or if they accept payment after winning the case?? I use to have first Taylor Bean & Whitaker as servicer; then so called bought out by Bank of America; now bought out again in Spring 2014 by (redacted) of Bay View Loan servicing who has threatened foreclosure again. Haven’t filed paper work yet that I know of like BofA did to me back at the end of 2009 when I had to fight them on my own and had 2 heart attacks, had to see cardiologist and after one year, judge threw out of court as I’m sure BofA couldn’t prove they owned the note but I was never told why it was thrown out of court, and then they stopped bothering me for a while and now Bay View Loan servicing has increased my stress all over again and again and again

2/17/2017 2:18 PM

He seems to think modification fraud is big. I think he just wants a settlement, but I would like to prove that Wamu was only my servicer, therefore Chase was only the servicer and couldn’t sell my loan to LSF9 participation trust. He doesn’t seem to feel that’s the way to go.

Yes and I feel he is doing a good job. My fear is the corrupted judges

2/17/2017 1:50 PM

I had an attorney… deplorable. Now I am trying another one.

2/17/2017 1:14 PM

Won as pro se twice, once with lawyer, their 4th try is in March have lawyer. Not sure if he “gets it” or not.

2/17/2017 1:10 PM

I have an attorney. I am drafting the pleadings and providing him the case law. I was litigating Pro Per until the judge declared me a vexatious litigant. Until I can get the Appeals Court to reverse that order I will need an attorney.

2/17/2017 1:06 PM

NO because I have not found ONE Oklahoma lawyer who will truly go after the fraudulence of the so-called lenders. I have not made a $2143.monthly payment in 6 years since sending BNY a cease and desist letter in 2011.

2/17/2017 12:50 PM

Yes, not that good of a job. I’ve drafted all the motions and have to continue to educate him.

2/17/2017 12:30 PM

No, Oklahoma attorneys are ignorant of the real issues of fraud at the heart of securitization and illegal foreclosure.

2/17/2017 11:49 AM

I have had two attorneys, who both did a lousy job; I went part pro-se, and now have attorney no. 3, who is doing a great job (in appeals court now).

2/17/2017 11:47 AM

No have had several most cases were dismissed California and contra Costa County are the worst judges rule for the banks period.

2/17/2017 11:35 AM

Terrible lawyers and judges during initial phases of foreclosure. Mostly rubber stamp and ways to delay, not fight. Charged me a monthly fee to basically delay. Tila rescission ignored, was within 3 yrs. Current writ for certiorari before Scotus Jan 2017 Jones vs Wells Fargo

2/17/2017 11:22 AM

I’m pro se. Had two attorneys early on and both out of business today

2/17/2017 11:17 AM

Not now. In 2012 I did talk with 4 attorneys and briefly retained a couple but found each approached foreclosure differently and my facts didn’t fit their typical approach. So I went pro se

2/17/2017 11:17 AM

Yes. Yes, excellent. However, In our experience, the attorney has felt a “lack of trust” on our part as the client. As a client we have felt “the lack of understanding.” of the attorney. NOT a lack of trust of the attorney knowing the law but the knitty gritty of What, When, Where and How it all happened. It has been a real push and pull experience but overall grown to be truly a good relationship of learning how to “listen” to one another.

2/17/2017 11:11 AM

No my attorney screwed up my case

2/17/2017 11:10 AM

No. Sued in pro per in CA.

2/17/2017 11:07 AM

I am “paused” right now. Took a mod when I ran out of $$$ in an appeal. A wrongful FC suit will begin soon. I will be retaining a different attorney this time.

2/17/2017 11:06 AM

2007 – 2016 … Pro se 2016 … Hired an Attorney to file the Appeal …he is the first attorney to actually understand TILA Rescission and the 20 day requirement for the creditor to comply. The trial court judge denied my timely 2007 rescission and granted judgment in favor of servicer Wells Fargo. The Judge prosecuted the case for WF and raised issues that they had never raised such as tender, etc. … He said my Rescission was insufficient because it didn’t mention that I was tendering in my letter ..among other things that he argued during the hearing in a bias, desperate attempt to undermine the rescission. He said Jesinoski did not address tender, that it only addressed that a borrower does not need to file a law suit, that’s all. My appeal raises two main errors…that he erred in denying my TILA Rescission …and erred in failing to rule that the servicer lacked standing and filed the complaint against void instruments ..lacked subject matter jurisdiction. Now the Sheriffs Sale Notice was placed on my door and will go to auction on March, 2017 ….but the Appeal will not be decided for probably 6 months to a year. My attorney doesn’t seem willing or able to help me because he feels he did his job by filing the Appeal .. Now I must try to figure out how to motion the trial judge to grant me a stay pending appeal …almost impossible in NJ…then if he denies me .. I can motion the Appellate Division asking if they will grant me stay pending appeal. If not I am forced to either consider asking WF to stop the foreclosure sale by requesting a modification ..of by filing a Bankruptcy , which my wife refuses to do.

2/17/2017 10:59 AM

I hired two attorneys. I fired two attorneys. I am now pro se, and continue to seek competent counsel.

2/17/2017 10:58 AM

I had one but he just did not do a good job and lied to me.

2/17/2017 10:55 AM

I do have an attorney. Sometimes I don`t feel satisfied with them

2/17/2017 10:52 AM

No attorney now, I have used 4. They did not understand securitization

2/17/2017 10:50 AM

Our experience spanned about five years and concluded in 2014 with an eviction from Freddie Mac. The three immediately prior years were protracted litigation and we were dismissed every step of the way, including our appeal to the 9th Circuit.

2/17/2017 10:44 AM

Yes, it is the courts who won’t open their minds to the fraud and discovery.

2/17/2017 10:41 AM

No. My saga was in 2009-2011. After two year B of A forced a Deed in Lieu

2/17/2017 10:40 AM

Financial hardships caused by BOA Countrywide AWL prevent hiring the best attorney. Learned about Stephen Wright from you and we wish we could afford his assistance. He correctly told us that Public Officials and Connecticut Department of Banking have created a bankers paradise where wrongdoings by national banks with 80% market share are unsupervised and free to harm many citizens.

2/17/2017 10:40 AM

Gone thru 3 attorneys – 2 did not “get it” and the 3rd quit after removal to fed. court and a FED eviction filed in County Court AND WENT TO WORK FOR THE BANKS WE ARE SUING

2/17/2017 10:33 AM

Yes, I think he is doing a good job based on his knowledge….but he does think that we should take the settlement offer from Nationstar in which we give our house back and walk away with no deficiency. We have decided to continue the fight. We have proven forgery by a handwriting expert and the judge has our summary judgment from both parties under revision at this time since our last hearing on 1-18-17.

2/17/2017 10:29 AM

I did have an attorney. No, i do not believe he did a good job, We still lost the house to foreclosure

2/17/2017 10:16 AM

Yes and yes, The courts have done their best to derail our claims and protect the criminal attorneys representing the banks.

I do not have now, but had three of them before who did not do their jobs.

2/17/2017 9:56 AM

Had attorney’s on and off. Current attorney is great.

2/17/2017 9:54 AM

Yes, I had one. He stole from me and was no better than the banksters.

2/17/2017 9:53 AM

No, hired but wanted more $ but did nothing

2/17/2017 9:51 AM

No. Have been told repeatedly….’don’t want to open that can of worms’…don’t want to ruffle feathers etc… Previous attorney…did not show up for hearing/did not notify me of hearing….judge refused continuance..case dismissed.

2/17/2017 9:47 AM

HIRED 2 BOTH FLAKED OUT ON US. ONE WAS SANCTIONED BY THE JUDGE AND FINED $500 AND THE OTHER FILED A DEFAULT FOR US BUT NEVER FILED SHOWED UP IN COURT

2/17/2017 9:27 AM

No. Pro-Se. Mainly because I could not find a willing attorney to defend foreclosure even though I had all the information needed already in my possession.

2/17/2017 9:23 AM

I cannot find an attorney in NM. However I have some legal experience myself and have a friend who is a lawyer that directs to me resources that I’ve used / incorporated over the last 3 years. I’ve seen and spoken to many lawyers here and they were impressed with what I’ve done but weren’t interested in helping me do much except trying to get a loan modification.

2/17/2017 9:23 AM

The attorney for second attempt foreclosure is good. I DIY the first and got it dismissed after 6 years.

2/17/2017 9:22 AM

Yes. Paul S Grobman, and yes, he is fantastic!

 

 

What Issues did you have with your Loan Modification?

Bank of America would not tell why they refused me a loan mod when I was paying a special forbearance of $630. And people were buying the same house on my block for $550. a month. I was told by Lisa Madigans office the attorney general of Illinois that the Bank doesn’t have to give me one.

2/17/2017 6:07 PM

It stole my equity and I have a balloon payment at the end.

2/17/2017 4:59 PM

They raised payment within minutes of approval, caused default

2/17/2017 4:46 PM

I was negotiating a modification with MGC, (also owned by Beal), faxed the same paperwork 5 times, and had worked with HUD 1 1/2 years when my home was foreclosed

2/17/2017 4:17 PM

Added 20 yrs to loan and paying same amount. Started paying trial time, did not send back new 40 year loan mod, then after paying trial time they put me back into foreclosure

2/17/2017 2:54 PM

GMAC LM 2 yr before assignment. No standing. Terms bad.

2/17/2017 2:37 PM

I was given a run around then offer me settle I accepted they never responded.

2/17/2017 2:18 PM

Received and rejected a couple offers because no meaningful relief was offered

2/17/2017 1:54 PM

The modification payments were used to claim I made partial payments and lure me into false default.

2/17/2017 1:50 PM

Given run around… nobody can keep track of what to do what’s been done… was told I had to be in default before they can start process

2/17/2017 1:29 PM

In September of 2008, Countrywide sent me a loan modification I never applied for and added $35k to my predatory loan then never honored the mod. Never credited any payments I made after it either. Since BoA approved a loan modification then 6 months later said I actually never qualified and refused any payments since 2011

2/17/2017 1:14 PM

Had THREE -was never in default induced into them to get Ocwen to adhere to terms of original note. Each time at end of 3 month “trial” they would move to FC then extort another “downpayment”. 3rd time I called their bluff…

2/17/2017 1:10 PM

My house was intentionally and fraudulently overvalued by HSBC loan broker in 2006. I discovered it within 2 years and began fighting GMAC first.

2/17/2017 12:50 PM

WF claimed to have denied me but never provided a denial letter. WF denied me after I blew the whistle on them costing them $175 million due to reverse redlining

2/17/2017 12:35 PM

Loss of paperwork by BofA, forgetting to add pertinent documents provided by us,yet admitting they did have them

2/17/2017 12:30 PM

Filed, then home sold at auction 7 days later.

2/17/2017 12:27 PM

I was told in 2008 that I did not qualify.

2/17/2017 11:47 AM

Still asking for documents

2/17/2017 11:46 AM

They are another scam to steal your home

2/17/2017 11:43 AM

Typical – run around for over 4 months only to be told I didn’t “qualify” with no reason given.

2/17/2017 11:36 AM

Out of several cases, did 1 time apply- when I demanded proof of creditor approved modification plan- chaos ensued

2/17/2017 11:35 AM

The lender changed the interest rate and other key features multiple times; the Servicer signed for and then lost checks sent by certified mail.

2/17/2017 11:22 AM

Payments made on time. Mod revoked after servicer said debt ratio was too high.

2/17/2017 11:22 AM

The loan modification docs 1) are not valid contracts (state WF is lender when they are servicer) and 2) loan mod docs for one house increased payments by 30% ($1,200)

2/17/2017 11:17 AM

There were FIVE individual properties. Three Sub Servicers. One “Short Sale” Two Foreclosures, Two sale through realtors. Did not matter what we did or did not do. All the same run around with all three sub servicers. First Horizon, MetLife and last Nationstar. Going on year three of litigation. Excellent help by Neil Garfield and Bill Paatalo!

2/17/2017 11:11 AM

Trial payment paid for 15 months, then told we did not qualify.

2/17/2017 11:07 AM

There is no true lender… the servicer has no standing to offer… the servicer created fraud assignments

2/17/2017 11:06 AM

Over inflated the appraisal.

2/17/2017 10:55 AM

It took over 1 year after 9 attempts. The terms were hidden until after the 3 month trial. The terms were ridiculous, so I declined. I lost 3 months of payments. House appraised for 240k, the mod included a balloon of 198 k, deferred principal of 79 k, mtg amount of 325 k. Plus they created a new note in the name of SLS as the Lender. Not a single mention of Bank of New York Mellon as trustee.

2/17/2017 10:50 AM

Given instructions to stop payment to have eligibility for hamp and then foreclosed in second month

2/17/2017 10:41 AM

It was an investment property I was trying to short sale. Three offers! They declined them all till the property was considered tainted

2/17/2017 10:40 AM

False Affidavit filed by BOA stated ‘Incomplete documents after 116 Modification Applications, HAMP and MRG

2/17/2017 10:40 AM

I submitted 6 mod application they claim they did not receive 3 and denied 2 heard nothing from last one

2/17/2017 10:29 AM

CitiMortgage forged the loan modification agreement and had it recorded in the Miami Dade land records.

2/17/2017 10:23 AM

AHMSI offered loan mod late 208, sent them docs and $1400 cashiers check Feb 8-10th 2009.They denied receipt and withdrew the offer.

2/17/2017 10:16 AM

Breached twice by Wells

2/17/2017 10:12 AM

After several ‘mods’ got lower int. & payments. Got hit with $50K added for fighting, put to the end of the note. Originally CW, nothing legal about any of it. Upon purchase I invested my 401K into gutting and rebuilding. That’s why I fought.

2/17/2017 10:02 AM

Always lack of required documentation.

2/17/2017 9:56 AM

Submitted many times when OCWEN become servicer

2/17/2017 9:54 AM

Litton reneged first mod July 2009. Ocwen did not honor the terms of the 2nd mod, end of 2013. Ocwen has offered several mods since then but we refuse to work with them anymore.

2/17/2017 9:51 AM

Borrower (deceased husband) ONLY asked for a due date change (after it was offered in writing)…instructed to not pay for 3 months before due date change would be granted…3 months/1 day Sheriff delivered FC Summons/Complaint…ONLY to the borrower….I was NEVER served (Quit Claim Deed holder)

2/17/2017 9:47 AM

IT WAS ALL MESSED UP

2/17/2017 9:45 AM

Am in litigation for insurance with tree damaged home, Citi took the ins funds, $350, processed $100 and the stopped talking to me with $250K, law says use either on the repairs or mortgage, – Citi did neither, started foreclosure so have law suit based on this, but lawyer is attempting to take those funds, wants more money to get them, and is now only dawdle by with insurance case in Supreme Court. Been 7 years

2/17/2017 9:38 AM

4 attempts and they lied on every one –

2/17/2017 9:33 AM

Tried for four years

2/17/2017 9:14 AM

This was a construction loan Chase came in a said the value of the property is less without an appraisal and shoved a modification down my throat – I did not ask for a modification

2/17/2017 9:10 AM

They are NOT “loan modifications” but forbearance agreements. A servicer cannot “modify” a loan it does not own.

 

Do You have Evidence of Fraudulent Documents?

 

I’ve had two foreclosures for my primary prop. The first in 2008 the true copy of the note was blank in the second one in 2014 the note had a ta da blank endorsement from an employee that retired in 2009.

2/17/2017 5:15 PM

Lender Sebring Capital went out of biz. a week after the signing. Nominee assigned DOT to LNV and Note to Residential Funding. Corp Assign. of DOT – LNV was not a corp yet., notary and “VP of Mers” signatures done by the same person,Per Omni Doc. Examiners and Tam Kaiden handwriting expert.Substitution of Trustee, (to Quality Loan), “no such notary exists” per Texas SOS. Note is a fraud,Allonge signature is preprinted or stamped per Omni. We have several docs that were scrutinized..

2/17/2017 4:17 PM

1. No documents were left with me at the signing which occurred at my home alone with an unknown notary around 8pm. 2. The first copies of documents I received were from Chase in 2009, 3 years after the closing. 3. The loan application: my reported monthly income and the value of my business were both grossly exaggerated. 4. The “lender” was stated to be Washington Mutual Bank, FA, 18 months after its dissolution. 5. The copy of the note I received from Chase was not endorsed. 5. Chase at first claimed to be the beneficiary but could not prove this to me, so I stopped paying Chase. 6. Chase filed an assignment in 2009 claiming that Bank of America was the beneficiary as successor to LaSalle bank for which there was no assignment. 7. How could Chase legally file the assignment if it claimed bofA was the beneficiary? 8. BofA has always denied any involvement. 9. Chase filed a notice of default and acceleration in 2010. 9. I filed a lawsuit against Chase in federal court in 2010. !). The lawsuit was defeated on motions to dismiss, so no adjudication of issues ever occurred. 11. In 2013 Chase transferred its portfolio to Select Portfolio Servicing. 12. Following the FDCPA, SPS took the portfolio was a debt collector and not a loan servicer (there was no loan to service after 2010) 13. SPS provided a copy of the note endorsed by Cynthia Riley, who no longer worked at the bank in Dec 2006, on behalf of WMB,FA which no longer existed. 14. SPS purported to file an assignment from BofA to US Bank. BofA denies involvement, USB denies it is the beneficiary. SPS had no authority to assign. 15. SPS filed a substitution of trustee to Quality Loan Service Corp, alleging it did so on behalf of USB as attorney in fact. I am seeking a response from USB as to the veracity of attorney in fact status.

2/17/2017 3:56 PM

The alleged original looks materially different from the copy attached to the complaint in that the alleged original contains a label, which states, “when recorded return to Richmond Monroe Group” and provides the SPS number, which did not come in for 5 years. Also, the note is endorsed in blank by Michele Sjolander who has admitted to never having place an endorsement. The named “lender” is Countrywide.

2/17/2017 2:54 PM

I was able to fight a judicial foreclosure and the Nevada Supreme Court ruled in my favor that SPS/U.S. Bank National Association had broken the chain of title and had no right to foreclose.

2/17/2017 2:52 PM

Multiple versions of both. Sec deed version have 2 different closing attys. Much fraud

2/17/2017 2:37 PM

The note looks brand new and was held up in the court room and they refused to allow us to have it confirmed by a specialist. Never filed with the case in the court and the assignment states JPMorgan Chase is successor in interest to WAMU which we all know is false. The alleged trust has filed a judicial foreclosure in a non-judicial state. They failed to non-judicially foreclose on me. I have a declaration the trust doe not statutorily exist with the SEC of Delaware where it is to be registered.

2/17/2017 1:50 PM

there was no ADOT…bailout merger world savings,wachovia, WFB

2/17/2017 1:14 PM

Copy of note has no endorsements. They have presented three different allonges/chains of assignment. None dated all signed by Ocwen robo signers. Recently filed assignment from long dead lender directly to trust via Mers (security connections)

2/17/2017 1:10 PM

I have 6 assignments executed by ‘Miguel Romero’ for MERS. None of the signatures match. I discovered that Romero quit Bank of America 18 months prior to the date the Assignment of Deed of Trust was executed

2/17/2017 1:06 PM

distinctly different “assignment years” 2011 and 2016

2/17/2017 12:50 PM

Original note was completely altered-insurances added,2500 to 4500

2/17/2017 12:30 PM

Endorsement magically appeared on Note 4 years after original petition filed and ASM was backdated , contained wrong closing date, and robo-signed by Amanda Farrar. Note and Mortgage identify lender as America’s Wholesale Lender.

2/17/2017 12:27 PM

There is no Receiver’s Deed or Bill of Sale produced prior to the void sale or Assignment of Deed of trust recorded with the county

2/17/2017 12:25 PM

Have affidavit from the indorser – Danielle Sterling – that both versions of the indorsement – one is blank the other is specifically indorsed to CitiMortgage are forgeries and not her signature

2/17/2017 12:22 PM

Lost note affidavit is insufficient in the case for the second mortgage. Assignment for the first mortgage is a fraud.

2/17/2017 12:08 PM

Note never produced, Lacks full chain (in theory)

2/17/2017 11:35 AM

Robo-signed note, no assignment, foreclosed based just on robosigned “official” copy

2/17/2017 11:23 AM

Blue ink note but I signed with black ink that day. Have a different document signed that day (original) in black ink. In addition, the lender instructions to escrow says at the top of the page, ***LOAN DOCUMENTS TO BE SIGNED IN BLACK INK ONLY***

2/17/2017 11:22 AM

David Stern was original attorney for Deutsche Bank who filed against me. The assignment is from an entity that was out of business and the note had an endorsement added several years into the proceeding by a robo signer for GMAC who didn’t even work for them anymore. It’s undated and unsigned, just stamps.

2/17/2017 11:17 AM

Note on one house was assigned from WF to WF. ? They then claim BOA is lender.

2/17/2017 11:17 AM

Five Properties from start in 2006 with First Horizon Home Loans. To date, litigation only with two properties. Two issues. Husband signed note for all five properties. Husband signed mortgage for all five properties. Register of deeds have wife signature on all five properties each with a different signature and different type font added to the “original note and mortgage” Husband given copies ONLY with husband name, not wife. Second issue is the Five properties in 2006 were “securitized” two different trusts and kept in the name of originator First Horizon, a div of First Tennessee Bank NA. Through litigation the documents are now starting to come in and show both sets of documents. One for Bank of New York as Trustee who “owns the debt” and the other documents where First Horizon, a division of First Tennessee Bank NA “who owns the date”. Each for the same time period. The assignments show signs of fraud. Bill Paatalo performed two reports for two of the properties in litigation.

2/17/2017 11:11 AM

indorsement “signed” by person who didn’t work for the bank at the time.

2/17/2017 11:07 AM

2 aom’s in FC were in conflict , 3rd from servicer was created by servicer and all parties on aom were servicer employees.

2/17/2017 11:06 AM

The note is only a downloaded copy ..it was missing the stamped in blank endorsement from Washington Mutual and then they added it in late 2010 , 2 years after WaMu was already out of business, no date, no certification explaining transfers, nothing …the assignment is fabricated by Wells Fargo and tbey forged the Notary signature as we have compared against the true signature found on other documents from other cases. Fannie Mae ckaims they own the loan , MERS confirms Fannie Mae owns it ..but Wells Fargo notice of intent says Wells Fargo is tbe lender and their fraudulent assignment misrepresents that they purchased it ..we provided and submitted all of this evidence into the record but the judge ignored it all.

2/17/2017 10:59 AM

http://www.phhmortgagemustbedestroyed.weebly.com

2/17/2017 10:55 AM

The trust closed 11/2006, the assignment was on 5/2011, from Countrywide to Bank of New York, no mention of Americas Wholesale lender, the original name on the Note. Everybody knows that AWL was not a New York Corp in 2006, Also, Bank of America Filed a claim in our Bankruptcy as the owner in 2009 and took payments. We know that there was never an assignment or transfer to Bank of America from AWL. We know that Bank of America did not acquire Countrywide. The trust never accepted the loan per the PSA and new york law. The loan was in default and in Bankruptcy when the assignment was filed inn the records. I have conflicting letters from Blank and Rome from 2 different attorneys that conflict each other. One claims Bank of New York Mellon as owner and the other Bank of America. The letters also conflict with the ownership claims during the bankruptcy and after the assignment. Letter dated after assignment to BONY claims BofA as owner. Letter dated during period in BK claims BONY as owner. BONY never entered a claim in BK court. My note has my name signed 3 times on the same line 3 different ways.

2/17/2017 10:40 AM

Yes, thanks to your suggestions and resources, I have recently discovered concealed evidence of wrongdoings: Documentary proof of fraudulent note from AWL sham ‘lender’ including Trademark Trade Name public records; Documents to prove breach of fidelity of MERS; Perjury in alleged ‘Assignment of Mortgage’ evidenced by comparing name of nonexistent sham ‘Lender’ in alleged Mortgage to an altered ‘Legal Name’ used in Sworn ‘Assignment’; Proof of perjury in falsely sworn ‘Affidavit of Federal Loss Mitigation’ filed in Court. I will send you a detailed report by US Mail. Please provide me your preferred mailing address.

2/17/2017 10:40 AM

closing agent admitted it was table funded, FDIC assigned note & DOT to servicer GMAC years after HB2006-14 closed

2/17/2017 10:29 AM

Forensic handwriting expert, “Hart & Flores” affidavit state that my initials and signature on the three page promissory note are FORGED. Plus, the allonge attached was signed using the same type of ink that was used to forged the promissory note.

2/17/2017 10:23 AM

MERS assignment skipped over assigned completely as GreenPoint no longer existed, was falsely dated and signed by known foreigners, allegedly in a trust well past trust’s closing date

2/17/2017 10:23 AM

Took AHMSI to court. Judge declared AHMSI had absolutely no proof of interest (per TILA)

2/17/2017 10:16 AM

Assignment was filed by debt collector and is false, Note was not indorsed when foreclosure started , but in 2014 aleged servicer manufactured endirsment of the original creditor to himself. A note is not endorsed to the foreclosing party, neither a alleged previous owner.

2/17/2017 9:56 AM

Discovered fraud after final judgment, two different and separate notes were used to acquire the judgment and are still being used by OCWEN today.

2/17/2017 9:54 AM

Robo-signor Noemi Morales, fraudulent Assignment made in 2013 more than 8 years after PSA

2/17/2017 9:51 AM

WaMu refinance. NO Assignment to JPMC

2/17/2017 9:47 AM

Have the HUD settlement statement showing WAMU never funded the loan. Am trying to get court to recognize there never was a “loan” from WAMU in 2004 – nothing from nothing equals nothing

2/17/2017 9:46 AM

Citi produced the Note in court without my lawyer requesting to authenticate it, – And was not asked where they got it. It was only signed (supposedly) by one person-???me. TaDa, there it was, and they were trying to show a chain from Citi to Hunt Leibert ( FORECLOSURE law team), and back to Citi ( produced these transfer papers right there in the court house), and are attempting to push it through Bank of NY. Donald Frechette with a Big Hartford law firm, real game player, Judge is now acting to assist them to Get the paperwork through. Judge amounts had done thousands of foreclosures locally, churns them through with a smile like trying to help. Isn’t there a law that any Foreclosure judge cannot have more than $1500 of bank stock? Pension funds have much more than that.

2/17/2017 9:38 AM

Yes. I have evidence in hand that my note and assignments or post dated and robosigned and foreclosed with incorrect balance.

2/17/2017 9:23 AM

Not a copy of the original – no endorsement or allonge

Do You Believe your Servicer has broken the Law?

Third servicer DI Tech offered me an opportunity to cure %150,000. Less than the judgment the Plaintiff Bank of New York Mellon CWALT Trust got a judgment on. I was offered $2000. cash for keys by DiTech who became servicer 3/14/2016. This was in August. Bank of America as servicer hired the Law Firm to foreclose.

2/17/2017 6:07 PM

I was dual tracked in 2008 and almost evicted. I yelled at the bank attorney and she made an ex parte communication with the court and set the sale aside. Got a predatory permanent HAMP mod in 2010. Sandy destroyed my home and I rebuilt it relying on CitiMortgage’s promises to avoid foreclosure and perform loss mitigation or alternatives to foreclosure. They refused to do anything but foreclose. Denying loss mit, Deed in Lieu and/or short sale. They now get a newly built free home. Sheriff Sale is Tuesday February 21.

2/17/2017 5:15 PM

My mother died and I was handling her estate. My mother had filed bankruptcy and got it discharged years before she died in 2011. BofA filed a personal claim against estate even though the mortgage was discharged. Also, the payments on the home were never late. BofA sent me a letter saying they were no longer going to accept anymore payments from me causing a default even though I was making payments.

2/17/2017 4:59 PM

escrow and insurance manipulation

2/17/2017 4:46 PM

Accounting laughable, stalling with loan mod. to foreclose on me. Phone calls not answered, changed loan numbers, transferred to Dovenmuehle, (also Beal owned) and changed address and loan numbers again. I have the “Jim Montes” signature,(Atty. Beth Findsen case, he signed as multiple entitys )

2/17/2017 4:17 PM

No mod offered – bogus assignments to bogus RMAC and USBank entities etc etc

2/17/2017 4:02 PM

Please see #6 above. Pursuant to FDCPA SPS is not a servicer. It has harassed me in many ways: force placed insurance, refusal to answer questions, clueless impolite employees.

2/17/2017 3:56 PM

SLS was the loan servicer, I have many levels of evidence against them, they made claim to foreclose with no security to back their loan was based on the loan being family, household or personal but it was clearly a conventional mortgage, they even admitted so. There is also statute of limitations & the fraudulent assignment & more.

2/17/2017 3:55 PM

Continuing to send statements, accruing charges, fees, etc. despite having purportedly accelerated the mortgage. Having claimed to have sent a notice of default, which is dated a year before the note was allegedly assigned. The assignment was submitted to the county by a known robosigner.

2/17/2017 3:11 PM

Long list, but at trial, witness lied under oath (was obvious to judge) and stated Wells Fraudo “owned” the purported note, however, she was testifying for a non-existent entity as purported “owner”

2/17/2017 2:54 PM

Multiple services gmac-ocwen-rcs-ditech & fc Mill or litigation atty fraud

2/17/2017 2:37 PM

I’m a victim bait and switch. And mortgage fraud

2/17/2017 2:18 PM

They have refused to meet face to face and to follow the WA Fairness Foreclosure Act, have refused to answer the QWR FDCPA and Homeowners Rights letter that is part of WA law. I am in the Appeals court on a No Standing case with an attorney. I lost my pro se case due to not knowing what I needed to know and the court did not treat me as a pro se should be treated. erwr ere teyt

2/17/2017 1:50 PM

Dual TRACKING

2/17/2017 1:29 PM

entering home, trying to foreclose on illegal default notice, lying, calling me months after retaining counsel

2/17/2017 1:14 PM

Induced in loan mods that raised payments then did not comply, forced pace insurance, taking credit for taxes we paid, foreclosing when never missed a payment, filing false pleadings with court, filing three different transaction histories that are conflicting with court, claiming 37,000 in escrow shortages when we pay tax and insurance, putting payments in suspense, adding 19,000 to principle w/no explanation, threatening my lawyers into quitting, instructing BOA to delete my online pay history, visiting my sons school to attempt to get him expelled, trying to block son from taking the bar, sendi g goons to my home and work, breaking in to home, stabbing my dog, getting me fired, etc etc.

2/17/2017 1:10 PM

Some documents appear to show “servicer” Ocwen the true owner of note

2/17/2017 12:50 PM

WF denied me after I was approved for a loan mod due to my whistleblowing. WF was/is retaliating against me. The loan is owned by Freddie Mac and WF has violated Freddie Mac and HAMP guidelines by returning all 7 of my TPP.

2/17/2017 12:35 PM

Harassment, thousands of phone calls/letters (record-47 in one day, people coming on property, home invasion-record taken

2/17/2017 12:30 PM

Bank of America, Specialized Loan Servicing have charged illegal fees, force places insurance, failed to respond to QWR, and responded to recession by letter stating they did not recognize the recession instead of filing an action in court to dispute within 20 days.

2/17/2017 12:27 PM

If you want the affidavits where they use another affidavit to say the previous one was wrong I will send. I have 5 affidavits that all contradict each other or try to correct the previous one

2/17/2017 12:22 PM

SPS is not the loan servicer but says it is. I have court papers from another case which says they are a subservicer/vendor. They have sent people to my property and I filed a trespassing complaint.

2/17/2017 12:08 PM

Chase would not except my payment at my local branch in December 2009, I had never been late and was not in default at the time, them denying my payment put me in default,

2/17/2017 11:59 AM

I have not had contact with the servicer since 2008/2009.

2/17/2017 11:47 AM

I have asked for accounting from 2006 to date they sent me accounting from 2013 when they acquired the loan and don’t have the rest so how can they know what I really owe. Statements are different amounts.

2/17/2017 11:46 AM

Violations of FDCPA TILA RESPA Trespass Mail Fraud False and Forged Documents Notary fraud. Caliber Home Loans is a third part debt collection scam

2/17/2017 11:43 AM

In our case and HUNDREDS of others, AURORA LOAN SERVICES (renamed NATIONSTAR Bank) told the borrowers that they would qualify for loan modifications under HAMP, BUT that they could not even discuss it with us until we had fallen 3 months behind on payments. So we skipped the next three monthly payments, 3 day after the grace period expired on the third payment, they sent Note of Acceleration. While we were negotiating with them about a Modification/Deed Surrender/ etc., they filed for Foreclosure. When the case was finally set for hearing, the Attorney for Nationstar dismissed the suit. We waited for the five year Statute of \Limitations to run out, expecting to be able to file for Quiet Title, only to learn that the Banksters had convinced the Appeals Court to extend the Statute from 5 years to 30 years. Our lawyer who was representing us Pro Bono through a County Extension Program was awarded $48000, paid by Aurora/Nationstar with 250% Penalty Provision. When nationstar turned around and refiled fr foreclosure, or lawyer put us o a $50 per month retainer, and has made one appearance on an attempted Writ of Mandamus, which the judge subsequently rejected. So here we are in the seventh year of a foreclosure action by a lender who was trying to steal homes and has been found guilty in numerous individual and Class Action Suits!

2/17/2017 11:22 AM

They haven’t complied with Florida law with regard to what they say I owe them. The case was closed because they missed a court date.

2/17/2017 11:17 AM

see RICO case Eastern Virginia Alexandria 1:16 cv 1360 CMH/JFA

2/17/2017 11:17 AM

We have experienced highly unethical, abusive servicing from First Horizon Home Loans, MetLife and Nationstar Mortgage. OCC orders for First Horizon/MetLife we received compensation for Unsafe Unsound practices only for our residential property even though the same abuse was performed with our rental properties. Substantial payments made to each sub servicer in different years. Same scenario, monies sent back, mis applied, suspense, paid attorney fees before principal and interest. Continually held monthly statements. Statements always showed months behind. Letters of foreclosure sent when current on mortgage per statement or credit bureau. Every month a different letter would arrive (did not matter what year, all the same) One month announcing mortgage servicer for First Bank Tennessee, the next month mortgage servicer for Bank of New York, the next month back to Bank of Tennessee, the next month mortgage servicer for a trust named FH06 FA3 then the next month Bank of Tennessee, then the next month Bank of New York Mellon FHAMS 2006 FA3, etc. repetitive cycle.

2/17/2017 11:11 AM

Used a non-entity (AWL) as “lender” on the note and DOT. Let me apply for HAMP 11 times. Many other issues.

2/17/2017 11:07 AM

my note is void, servicer has no powers, they are aware of the federal case stating my note was not underwritten by the named lender

2/17/2017 11:06 AM

My loan servicer acts in an unethical and abusive manner, and is in continuous violation of federal laws.

2/17/2017 10:58 AM

Repeatedly asks for information, confirms they have all necessary documentation and then asks for it again. Groundhog day.

2/17/2017 10:58 AM

Over inflated appraisal,forged my name on insurance check and predatory loan..

2/17/2017 10:55 AM

I believe that the current servicer, Shellpoint, has no legal standing to collect. I also have statements from B of A, SLS and Shellpoint that show totally conflicting amounts and show money in suspense and never applied to p & i. I have statements showing that money was received, put in suspense, and used to repeatedly pay for force placed insurance equal to the amount of money in suspense. This happened at least 6 times in one year. Bankruptcy was completed and discharged. I was recently threatened with foreclosure and the collection of the deficiency balance. The letter from Shellpoint stated that I did not have protection from the bankruptcy and I was fully liable for the monetary debt. I took the letter to my BK attorney, he gave me full documentation from the court proving that the debt was discharged. The home was not foreclosed and the “owner” never submitted a claim for the deficiency balance if any. The window closed years ago. The servicer continues to add fees and charges further inflating the alleged balance.

2/17/2017 10:50 AM

lack of good faith and fair dealing, violating an order of protection, committing notary fraud and proceeding to file fake fraudulent documents with Maricopa County Arizona

2/17/2017 10:44 AM

Details will be provided for you and your readers in report sent to you by US mail. Please confirm best address.

2/17/2017 10:40 AM

0.While away for medical emergency of family they entered the house and winterized it and shut off water

2/17/2017 10:29 AM

Backdated mortgage assignment. Note and mortgage have different years. David J. Stern was the first attorney to commence this foreclosure now being handled by Akerman Llc.

2/17/2017 10:23 AM

Used a fake bank to foreclose-Deutsche Wachovia Bank N.A. failed to respond to rescission notice within 20 days. Wrong bank filed credit bid

2/17/2017 10:23 AM

far too complex to describe here. If interested I will provide a lengthy detailed history. In fact I have already sent Living Lies and Foreclosure Fraud and CFPB and Ocwen detailed info over past year and in 2010-11-12-13-14-15-16

2/17/2017 10:16 AM

Andy Beal’s loan servicer MGC Mortgage was not licensed to operate in our state until September 2011. Beal’s LNV Corporation was also not licensed in the state either. Beal has since transferred the mortgage and note to another Beal servicer CLMG and Lender Beal Bank USA – one giant shell game.

2/17/2017 10:10 AM

This is selfproclaimed servicer, never did not want to negotiate a modification, never responded to QWR and validation of debt.

2/17/2017 9:56 AM

Just type in Ocwen+Problem or any derivative on any search engine…

2/17/2017 9:51 AM

As I was only Quit Claim Deed holder…after the borrower (husband) passed away…JPMC REFUSED to allow me to purchase my home of 20 years…REFUSED to give answers…was told repeatedly….I was not the borrower they (JPMC) did not have to talk to me.

2/17/2017 9:47 AM

TOLD ME THAT I HAD TO BE THREE MONTH BEHIND IN PAYMENTS AND THEN KEPT ASKING FOR INFORMATION THAT WE FAXED TO THEM MANY MONTHS SAYING THEY NEVER RECEIVED THEM

2/17/2017 9:45 AM

new servicer and haven’t had much contact

2/17/2017 9:39 AM

Fraud, Fraudulent Misrepresentation

2/17/2017 9:33 AM

The assignements are illegal with MERS active in my loan.

2/17/2017 9:29 AM

Wells Fargo refused modification on Fannie Mae loan. WF is Servicer who foreclosed with post dated assignments. WF also admitted they foreclosed with incorrect balance

2/17/2017 9:23 AM

This is not an exhaustive list… Violations of TILA and RESPA the servicer assigned the Mortgage to themselves 9 days before in rem complaint was filed (assignor and assigned are the same person) I’ve done a forensic loan audit and the plaintiff is clearly stealing the Note – Lack of transparency unclean hands nondisclosures etc etc

2/17/2017 9:23 AM

robosigning, fraud on the court, forclosure mill attornies, several different escrow accountings submitted to the courts, unjust enrichment, fdcpa and tila violations, etc….

2/17/2017 9:21 AM

It is because they dont give a chance to do mod

2/17/2017 9:14 AM

I assume this is a rhetorical question.

2/17/2017 9:04 AM

 

What Other Issues have you experienced in addition to the Foreclosure?

There have been so many horrible things that have happened to me I can’t expressed them here.

2/17/2017 6:07 PM

there is no end in sight – debt peonage – they prefer to wait for me to make repairs, then steal profits

2/17/2017 4:46 PM

I wish I had never worked in banking.

2/17/2017 4:17 PM

Kypho Scoliosis (hunchback and severe cervical vertebrae), from hundreds of hours on computer to try and save my home. Angina. Lately,perforated gastric ulcer. I almost died. Lost my entire family. I can’t move past the loss of my home. I think about the injustice day and night.

2/17/2017 4:17 PM

We put our dream home on the market in October to get out from the crushing weight of these servicer thugs. We accepted an offer this week for a decent price, but we’re getting far less than what we should have had in equity due to BoA, Nationstar, and currently Rushmore’s refusal to mod (they said our income was too low, but refused to take into account we have a home-based business that gives us write-offs that don’t show as income.

2/17/2017 4:02 PM

This has taken away my life, my ability to continue with my real work, my health. Ever since I realized by September 2009, that there was no contract between Chase and myself and I announced I was rescinding any legal agreement, I have been held hostage to mortgage and foreclosure fraud.

2/17/2017 3:56 PM

I have been forced to live in an unhealthy environment for the most part, which has caused much stress but do not have currently have the resources to overcome at the moment.

2/17/2017 3:55 PM

I left my job to fight the foreclosure and have had little time to pursue other endeavors.

2/17/2017 3:11 PM

Best thing that ever happened to me, yes, you read that correctly, I’ve learned lots, met awesome people, wouldn’t change a thing

2/17/2017 2:54 PM

PFSD post fc stress disorder. Afraid to leave house.

2/17/2017 2:37 PM

I’m about ready to kill all my pets and myself as I don’t know how much longer I can take this of fighting for 8 (redacted) years now!!!!!

2/17/2017 2:19 PM

Work under streets double time almost no sleep and felt from telephone pole broke my back

2/17/2017 2:18 PM

My credit score which I believe the credit score companies are part of the criminal acts against us, has gone from 810 to very poor. My entire family is stressed out and going through hell. I have not slept a decent sleep since this started. I have closed my business of over 36 years due to the banks corruption ruining the economy. We cannot afford to take any kind of trips anywhere or spend much money on anything beyond what we need that is necessary. The funds all go to attorneys. I am to stressed to go anywhere to try to have fun or a quality life. I do not see my grandchildren and children due to working side jobs to pay attorneys. We barely can afford food when I used to bring in 155,000.00 net a year before the banks ruined my business and a great share of my customers who had to quit using my day spa and tanning salon. I lost my good income due to all this crime and am extremely stressed out that I will lose my home, I and my husband built with our bare hands. I put a roof over one daughter and her two children due to she cannot get a decent job in this economy. I used to be able to pay her decent wages. I used to employ over thirty people. I feel traumatized. The courts in Washington appear to be a crime scene.

2/17/2017 1:50 PM

MY SON HATES ME… I AM SINGLE PARENT AND THAT IS OUR FIRST HOUSE

2/17/2017 1:29 PM

from your he stress, suffered multiple head injuries and diagnosed with MS. Hospitalized once for being suicidal and survived attempted suicide last year

2/17/2017 1:14 PM

Because I was (ironically) worked in financial compliance, I am now blackballed. I get consulting gigs now and then until they call and rat me out. So no insurance which meant no mammograms – battling breast cancer now. My daughters lived in fear the last years at  home, no money for their college now working in low level jobs. Son was blocked from taking bar yet has all that debt from law school. It has destroyed us. And we never even missed a payment. Suicidal most days.

2/17/2017 1:10 PM

I was evicted last September. The Judge who declared me ‘vexatious’ was abusive and was clueless pertaining to the foreclosure statutes.

2/17/2017 1:06 PM

It goes on and one local BIASED Nasty district court judge is intent on awarding BNY a judgment against me. I am at my wits end but I know I am right

2/17/2017 12:50 PM

I have been fighting this foreclosure in court since June 2012. I’ve been publicly humiliated. My finances are drained. I’ve done everything to protect my daughters from this..

2/17/2017 12:35 PM

total frustration with the judicial system

2/17/2017 12:30 PM

My credit is destroyed and has prevented me in obtaining employment, and denied obtaining loans for vehicles, stress and fear from eviction and harassment by services home inspectors every month taking pictures of my home and trespassing while the servicer charges a fee.

2/17/2017 12:27 PM

It is pure hell because you never know what they are planning next and no help from our crooked government who is in on all this racketeering

2/17/2017 12:27 PM

I have learned to live with the challenge and now know that it is not about the merrit of the case but overcoming the failed judicial system perpetrated by men in black robes.

2/17/2017 12:25 PM

too much for words. Eight years and still at the pleading stage

2/17/2017 12:22 PM

The process has been devastating. It is all I think about. Our income producing rental property business was foreclosed upon 3 years ago causing a loss of income which affected our personal residence now in the first and second mortgage foreclosure. In the business foreclosure we went through 14 lawyers all of whom turned on us and did not provide adequate counsel or defense – essentially malpractice. We lost property valued in excess of 10 million. Went into bankruptcy and had to defend a deficiency judgment. Lawyer sided with the banks in spite of clear evidence of fraud.

2/17/2017 12:08 PM

it was a hell we lived a hell for 9 years

2/17/2017 11:58 AM

Living with constant uncertainty. Eight family members are involved.

2/17/2017 11:58 AM

clients have endured all of the above

2/17/2017 11:52 AM

I was forced into foreclosure after calling the bank for help I was not late then bank told me to stop paying.. I fought them in court with an attorney paying the attorney for 6 years 750 per month and a retainer in the beginning.. I went to federal court and we were forced to take a settlement by the judge and my attorney. So many of my charges against them were dropped. So much was found out in the court room about the servicer also.. I did get a modification… However they did not drop my interest rate which is 6% on 40 yr payout now turned a 260 loan and into a 399000 loan… I just learned they have been charging for insurance and i have always maintained insurance.. I have to put together a QWR now to see where that will put us…? i am sure they charged me interest on this money also.. Afterall its been 5 years…

2/17/2017 11:49 AM

Never knowing what is going to happen puts a lot of stress on our family. We’ve been wanting to move for years, but can’t, because we’re stuck with this house. The house is falling apart around us, because of deferred maintenance (we don’t want to put money in a house that might not be ours anymore next week or so).

2/17/2017 11:47 AM

I have heart palpitations now tacycardia I am 65 years old and still have college age child and two living at home because they can’t afford a home. Rents are higher than salaries my husband is a 100% disabled veteran. I worry every time someone comes to the door.

2/17/2017 11:46 AM

It is never is to do the right thing. After 8 years of fighting criminal banks and their corrupt lawyers and willfully ignorant judges I have found that there is no justice for those who fight a corrupt system.

2/17/2017 11:43 AM

Too much to list- I am getting railed I cannot do anything about it

2/17/2017 11:35 AM

My health has suffered terribly during this time and my marriage is at best, strained y the stress! I developed insulin dependent diabetes, Multiple Sclerosis, Coronary Artery Disease, Diastolic Congestive Heart Failure, Failed Back Surgery, Chronic Pain, and more.

2/17/2017 11:22 AM

I am a widow and own a small business which was my only source of income. Word spread very quickly thru the small business networking community and people refused to do business with me. I started drawing my widow’s pension through social security and lost my vehicle. I live on $1018 a month. I still live in my home and Ocwen pays the insurance and taxes. I just ignore the statements they send.

2/17/2017 11:17 AM

I was illegally evicted from my home. I am licensed realtor so it has destroyed my business because I cannot in good conscience encourage anyone to sign a deed of trust/note in Virginia. I have slept in my car half the time for 3 years now.

2/17/2017 11:17 AM

From 1985 – 2006 my husband and I built our portfolio of real estate earning 9.00 per hour and a TREMENDOUS amount of sweat equity to reach 2.5 million in real estate. Our mortgages were held with “real banks” “local banks”. My husband paid our mortgages, paid the insurance. For 21 years we had 1’s, paid on time, NEVER a problem. How utterly foolish of ourselves to switch in 2006 from our “real, local banks” to refinance the properties with First Horizon Home Loans. All from the urging of “a friend and her brokerage friend”. Honestly believing them and our attempt to lower our mortgage payments. Shortly after refinancing in 2006 our mortgage payments were paid as they had been for 21 years. SOMETHING changed 4 months after the refinance. “Mortage payments somehow lost”, Mortgage payment returned/refused” One snow ball after the other. Each experience with each mortgage servicer. Same wrong doing, just a different name. First Horizon, MetLife, Nationstar Mortgage.

2/17/2017 11:11 AM

After a 1.5 year battle in court and not having an attorney, we settled 2 weeks before trial and lost our home.

2/17/2017 11:07 AM

I am bankrupt but have not filed (saving that gambit for later), living week to week on minimum wage jobs as my legal woes have impacted my job prospects, and family life is devastated.

2/17/2017 11:06 AM

Complete sorrows and devastation from this ..my relationship with my wife and children has been negatively impacted to such a degree that the harm inflicted can never be made right after so many years ..now the sheriffs sale is happening on March 21, 2017 even though it is pending appeal. The nightmare continues.

2/17/2017 10:59 AM

Very disheartening about how Wells Fargo treated me.

2/17/2017 10:55 AM

Within this time frame, I have been drinking heavily, had frequent arguments about the fight and money with my spouse. I now have high blood pressure. I have gained weight. My credit is bad. We cannot settle into the house because we never know when the foreclosure will come. We cannot move out, we tried once and moved to a rental for nine months. I was cited by the county for health hazards due to the yard, and the HOA filed a lien and was going to sue for not maintaining the house and not paying dues. We broke a lease and moved back in, 7 years ago. We can’t really get comfortable, we don’t want to decorate or paint to get comfortable due to the uncertainty. The kids kind of know what is going on and that we might have to leave, but we try to keep it from them by trying to live a normal life. I feel like I just want to give the house away but I know that the servicer has no right and the trust has been closed since 2007. CWALT-2006-21 The worst part about it is that because BofA made the claim in the BK, I feel like we could face another debt from the real creditor. We have spent over 60,000 dollars on legal fees

2/17/2017 10:50 AM

most of these answers are in the past for my family but my 20 year old son grew up with this experience, still has anxiety, hasn’t finished school and works from home, I have a visceral reaction anytime I see a windowless white van (this is what Freddie Mac always drove) and we have carried forward a lot of debt we are still paying on because of the experience. So, we lost everything and have moved forward with debt that we shouldn’t have to. Another slap in the face months after we left our home was getting a call from our homeowner’s insurance provider USAA (we always paid this independently) about a theft claim. Freddie Mac’s attorney and the bank for many years prior had extensive photo documentation about the condition of our (pre-renovation) home that we bought as a fixer upper yet they tried to file a fake claim against our insurance provider saying things like cabinets were stolen. Aren’t people supposed to get arrested for trying to file a fake insurance claim?

2/17/2017 10:44 AM

After years of building my property portfolio for my retirement I was wiped out. I spent two years trying to do the right thing but B of A blocked every attempt, gave me the runaround and ultimately took back the property anyway.

Homeless and living with relative

2/17/2017 10:28 AM

Hospitalized several times.

2/17/2017 10:23 AM

Ocwen bought AHMSI then hooked up with HSBC/AHMSI and got Portland ,OR Fed Dist Ct (Judge Anna Brow) to dismiss me with prejudice and gave Ocwen/HSBC/AHMSI my $340,000. free and clear equity WITHOUT requiring these entities to provide even a shred of standing.

2/17/2017 10:16 AM

Now it’s just a game. Before, it was life and death.

2/17/2017 10:12 AM

All of the above. I don’t think about anything else. Ten years of pure hell. The only thing we can think about is our case 24/7. We worked so hard for everything we have and cannot lose it all.

2/17/2017 10:10 AM

Primarily my wife has been physically devastated stress, primarily because the fraud is so blatant an the legal system literally refuses to even look at the evidence.

2/17/2017 9:54 AM

My husband is dead.

2/17/2017 9:53 AM

I have been threatened by Law enforcement because of their ignorance and bank agent told them too

2/17/2017 9:51 AM

My wife and I are in total agreement to fight US Bank & OCWEN. We have the knowledge that their lawsuit against us is FRAUD! We sleep well at night because we know that we have done nothing wrong.

2/17/2017 9:51 AM

First and foremost…my husband suffered a massive heart attack (Thanksgiving day 2010) due to the stress of fighting JPMC’s illegal foreclosure (he had planned to file suit once BK was discharged…died before BK was discharged). Loan was NOT in default prior to requesting due date change. Only recently found case law that states…as a named Defendant/Quit Claim Deed holder…I WAS required to be ‘process served’ according to the law. Having my home of 20 years STOLEN all because my husband asked for a due date change is VERY hard to accept. Being denied Due Process has also been hard to accept (NEVER had opportunity to have ‘one full and fair hearing’ in court). JUSTUS in America….JPMC was never made to ‘prove standing’…was allowed to file false Affidavit …on and on….

2/17/2017 9:47 AM

I am a single elderly over 60 year-old person. I am still fighting and taking every avenue through the corrupt court system stemming from an unconstitutional Rule 120 hearing in Colorado. I am now fighting an eviction from the third party that purchased my home at the public trustee sale. I have a recorded rescission in 2015 in the public records, I have recorded a lis pendens regarding the appeal from the bankruptcy court to the federal district, the courts are ignoring all of this. I know I should try to get an attorney but they all require so much money upfront and I am only getting less than 1K per month in social security. I am unable to get a job because I am constantly fighting these battles.

2/17/2017 9:46 AM

IT’S ALL WE THINK ABOUT FOR THE LAST 10 YEARS. WE HAD TWO BRAND NEW HOMES STOLEN FROM US WOTHER OVER 1.1 MILLION.WE PUT DOWN $100,000.00 ON EACH HOME AND THEY WERE BUILT FROM SCRATCH.

2/17/2017 9:45 AM

My sister took over my father in a Guardianship claiming me extorting him that was not true, resulting in Guardianship Elder Abuse 5 years of a roller foster ride of Drugs, Neglect isolation and Death. Probate and continued attacks of this and corrupt legal council in my own City if Norwalk are rampant. Corruption everywhere. ,

2/17/2017 9:38 AM

It has caused family problems which were not there before.

2/17/2017 9:29 AM

I’ve been stressed to the max. Anxiety and depression.

2/17/2017 9:23 AM

I am now well over one million dollars in debt after ten years of fighting the banks, servicers, and foreclose mill attorneys and outsourcers involved with this fraud.

2/17/2017 9:21 AM

it affected me in anything/everything

Comments and Suggestions

ou have been the most fabulous blessing in my life. You’re blogs many days were exactly what I needed to hear. I am grateful to you and your organization! Qualified attorney in IL to hire and have them represent me the way you would.

2/17/2017 6:07 PM

Do something to stop judicial abuses on national scale. Call on the Democrats to follow through on to bringing the servicers to heel. Do a truly independent foreclosure review that will result in a Resolution Trust like commercial properties had in the late 1980s…especially if the bank failed like IndyMac and Wamu. If a bank benefited from a bailout like Citimortgage then the bailout banks must be obligated to properly perform loss mitigation and pay fines and go to jail for failure to follow the law.

2/17/2017 5:15 PM

I think you guys are doing a fine job because you don’t have to do what you helping inform us. It is very much appreciated. Thank you

2/17/2017 4:59 PM

national initiatives

2/17/2017 4:46 PM

Get an attorney list for your users to access, and catch a referral fee.

2/17/2017 4:17 PM

You are a Godsend and we are all so thankful for your knowledge. There is no more justice system in this country. I have no life left. I am destroyed. The sheriff took me out of my home, I lived in my car for weeks with 2 big dogs. The Sheriff and Realtor also stole whatever they wanted in my home. So much missing. He counted down the minutes and said I would be arrested if I was not off the property when his buzzer went off. My neighbors watched from the sidelines as I left sobbing. I had to leave Phoenix, I moved to Payson AZ. I just couldn’t drive the Phoenix streets anymore. I am 64 and I had lived in Phoenix since 1964. Tuli Molina, I once had a dream and a beautiful home at 1321 E. Luke Ave. Phoenix AZ 85014 I can be reached at 602-299-1606

2/17/2017 4:17 PM

This system is stacked against those whose finances have been raped and pillaged by the TBTF banks/bankers and cannot afford an attorney. I know a lot, but am unable to act as my own attorney successfully, and can barely afford services like Secure Document Research, hence our decision to sell and move on with our lives. We’re lucky as we should walk with some $$$. We’ve lost a lot of equity that we had and should have been considered in a modification, although I don’t believe they had the right to either foreclose or modify. We had filed a new TRO and complaint 5 days before we got an offer on our home…just in case the sale falls through, we’re still going to fight. If the house sells, we’ll move on. I don’t think we’ll buy a house through bank financing again. Maybe cash or owner contract. I don’t trust them. Not even a little bit.

2/17/2017 4:02 PM

I understand intuitively that this is a struggle between dark and light. There are more light beings than dark beings. Our job is to coalesce the light forces into applying the law in a system where the rule of law has been abandoned. We will win this struggle through the force of public opinion. We need to band together to get our voices heard so that the truth may prevail.

2/17/2017 3:56 PM

I think that what you do is great. I only look at what I receive in the email so can’t comment on much else.

2/17/2017 3:55 PM

My main issue is the judge, who is clearly biased against me as a pro se and toward the attorneys in the case. I have raised several sound arguments but the judge is ignoring them. What needs to be done is a massive expose on the judges around the country who are not doing their job and unscrupulously allowing entities to kick people out of their homes without a right to do so.

2/17/2017 3:11 PM

I would actually like to speak to Neil, not about representation, but how how can we expand upon what he discloses, what can we do to really break this open and expose the criminality to the point something is actually done about it. My name is Ronald Gillis, feel free to reach out to me, I’m Facebook friends with Neil, reach me through Lynn Szymoniak, or call me 941-766-8279. Thank you for your blog.

2/17/2017 2:54 PM

I am going to answer this survey 4 times as lost 3 houses already and PretenderLenders trying to take my last (my home) now. All fraudulent.

2/17/2017 2:37 PM

Thanks for all you do, and have done. Wouldn’t still be living in my home without Livinglies. Hope to become a regular financial supporter once my income comes back.

2/17/2017 2:27 PM

I need an attorney up in Maryland who knows their ass from their elbows, knows how to fight the banks and NOT tell me to file bankruptcy as I will NOT do that, because they do NOT own the note/mortgage/deed of trust and I want all my money back, want mortgage & town records marked paid in full and to get the hell out of maryland

2/17/2017 2:19 PM

The information is very good what’s is not working is the sistem

2/17/2017 2:18 PM

I personally would love to have info that Wamu without a doubt sold or pre-funded my mortgage. B.P. could not find that I had been securitized, therefore I can’t prove one way or the other.

2/17/2017 2:10 PM

Provide more info on lawyers that can help. Most don’t like these types of cases because of judicial climate and the belief of no large financial recovery

2/17/2017 1:54 PM

Keep up the good work and pray a lot.

2/17/2017 1:50 PM

fight , fight fight.

2/17/2017 1:14 PM

Lawyers who are not afraid. A legal defense fund to pay them.

2/17/2017 1:10 PM

Yes! One should argue that there is no privity of contract between the foreclosing party and yourself. Make it a contract dispute not a foreclosure defense suit. Judges won’t follow the foreclosure statutes. They will claim that since you borrowed the money and did not repay the loan you deserve to lose the house. They don’t care who or what the foreclosing party is. Only the Beneficiary and the Trustee have the power of sale. If the Servicer is foreclosing then it is most likely doing so without the knowledge and consent of the Note Holder. Especially, if the alleged foreclosing party is an Indenture Trustee for a REMIC.

2/17/2017 1:06 PM

these so-called lenders are crooked fraudsters who have only have pennies invested in the note

2/17/2017 12:50 PM

Its a state by state issue. One size does not fit all which too many pro se homeowners believe. Have more state specific info. I can provide all the relevant info for Md.

2/17/2017 12:35 PM

lawyers are paid liars, banks are corrupt,courts are corrupted by the banks,lawyers are corrupted by the banks

2/17/2017 12:30 PM

I can honestly say your blog and weekly show had consistently educated and encouraged my continued fight against foreclosure. The insight and integrity of your blog is a bright beacon of hope and understanding to those of us that live in a vacuum of ignorance and blindness to the truth. Please don’t stop shining your light….we depend on it. Thank you so much!!!!!

2/17/2017 12:27 PM

With your supposed experience, knowledge, and exposure on the Internet it is my opinion that you need to bank a whole bunch of attorneys together in a common cause to stop all forelcosure and hopefully put a class action suit against all these crooks that unfortunately includes FHFA, GSE and the phony Fannie and Freddie who work under them.

2/17/2017 12:27 PM

I have used information in my case that were obtained by reading your website.thank you. As far as Ideas, I can only say that, as long as we have a ridged judicial system it does not matter how good your facts are presented or how well you argue the case.

2/17/2017 12:25 PM

Understand that a note is created by the UCC and the remedy for enforcing a debt obligation for which an instrument was taken is found in the same section that creates the instrument – UCC 3-310. Then show that under Article 9-203(b) transfers are the only way a mortgage can be sold so that we can stop all this “we possess it and the mortgage was assigned so we are the holder and can enforce the mortgage” bad law being made out there. Show that they have to prove all the transfers under 9-203(b) to prove they are the owner of the debt obligation for which a note was taken and can enforce that obligation through the mortgage under 9-203(g) in conjunction with 3-310(b)(3) or (4). Stop the madness of allowing foreclosure to occur under Article 3 when it is Article 9 that proves the authority to foreclose the mortgage

2/17/2017 12:22 PM

You are doing fine with keeping us informed. We may need to have more access to new cases and ruling. Sometimes lawyers who are not specialized miss what is going on. I am in California and like to know what are the latest cases and who won and who lost. Thanks

2/17/2017 12:11 PM

Survey is a good idea. Share responses to help us understand the magnitude of the problem. Help us try to organize a resistance to this massive violation of our constitutional rights. Need to increase awareness of the existence of this issue which affects consumers in multiple facets of their economic life.

2/17/2017 12:08 PM

How can we get 3million women with (faux pussies on their head) to march on Washington, but we can’t get 3 million hardworking American home owners to the same!

2/17/2017 11:59 AM

help people on the foreclosure courts nationally

2/17/2017 11:58 AM

Providing more case decisions where foreclosures were overturned. What can we do about local judges who just don’t seem to understand the law.

2/17/2017 11:58 AM

keep a knowledge bank

2/17/2017 11:52 AM

Provide a step by step process How to defend and how to sue and recognize the complaints we should be entertaining against them.

2/17/2017 11:49 AM

I think you should talk to president trump and show him proof that these services are stealing then maybe he will issue an order to stop them. I say I am not asking for a free house but I am asking to pay the correct entity and if there is no one left to pay for them to leave me alone so I can die in my home kinda like a reverse mortgage.

2/17/2017 11:46 AM

FDCPA has teeth use it early and often.

2/17/2017 11:43 AM

I wish to express deep gratitude to Neil Garfield and his organization for the information that IS provided. I can tell you that as a direct result of studying the many postings, I was able to make the record in my judicial foreclosure trial (after having forced Chase to dismiss its own non-judicial foreclosure Order Authorizing Sale). I predictably lost that judicial foreclosure less to Chase than to a patently biased Judge. (I have also been before Judge Neil Gorsuch now in the news as the nominee for the US Supreme court; and I can tell you I am not impressed. I have a story to tell there!) I am about to get the foreclosure judgement vacated (another story). Thanks again to Mr. Neil Garfield who provided enough information and strategy to inform how to make the necessary record. But what would help me (and I suspect others) is to continue to stay on top of effective strategies as they may change AND cost effective tactics to employ. This involves research which requires funds, I understand. I love Mr. Garfield’s thought that personal injury attorneys should be handed these cases – a thought I had even before he articulated it. But that involves a more concise “template” to follow – for all of us to follow. If there is an “Art of War” to wage against illegal foreclosures and illegal acts of bank/servicers – it will likely NOT be “guerilla” war fare, but strategic cases, honed to laser precision. If there were a way to unify the effort I suspect we will all be better for it and perhaps progress can be made. Perhaps most baffling of all is how to handle rogue courts. Perhaps there is little hope there, but if it can be done – I sure would like help on that.

2/17/2017 11:36 AM

One thing I would add, but first a comment, I wish I really could afford your help, I have proof from documents that I am getting railed, but I do not have the money to fight anymore. I have been able to stave off, got 2 dismissals the one case i had lost was 3 weeks after i had a stroke- Judge ruled since I was able to file a motion for continuance I was able to defend the case- no witness testified, nothing- I did appeal but money became my issue. One thing I will say I think it would be monumental for people to understand. Foreclosure “Defense” it is an illusion. Too me I believe it is better suited to reiterate that defense is not about repelling the plaintiff. In a simpler way. Your defenses must be proven in as much as the Plaintiff must prove their case, Defenses raised must be proven. I do not think that is clear to many defandants. In a way most people think they are hurdles plaintiff’s have to jump only later to find out that is an errant philosophy. I think it would better serve all parties to drill down the fact- you state it, you must prove it- It is not about defense/offense in a tradition sense that most people comprehend. Facts in the case is what decides it, whether or not those facts make it in front of the judge, that is were case is won or lost. In my humbe opinion that must be the focus- Thank you for everything your organization does. I have long desired to come back into the finances to confron t the courts with the money tendered for all to see, if the plaintiff would only prove that their claim is real to receive payment, thus removing the white elephant of the free house to expose these crooks.

2/17/2017 11:35 AM

More than just fighting the fraudulent foreclosure, I want to see Lehman brothers, Us Bank, Aurora Loan Service, Nationstar Bank, and 3 Florida Law Firms PUNISHED for conspiring to steal my home and my resulting illness that is threating my life, not just my quality of life!

2/17/2017 11:22 AM

I have contacted the FBI regarding the fraudulent note in my case. No response. I know that servicers are still commonly using fabricated notes, even after LPS. We need our government to investigate these situations and prosecute when fraud exists. Left unchecked, the faith of the housing system will be eroded to zero.

2/17/2017 11:22 AM

Want help with removing the lien on my house.

2/17/2017 11:17 AM

Many think fraudulent foreclosures are a thing of the past. Do not realize they are ongoing. Many do not realize that anyone who has signed deed of trust/note even if their payments are current are AT RISK. It’s a blame the victim crime by the banks. Needs to be public issue. Needs CFPB to do a high profile case in support of homeowners. It seems there are as many types of fraud as there are days of the year….. why it’s hard to get a handle on it.

2/17/2017 11:17 AM

Obviously I have learned that, it does not matter who the Trustee is, who the Bank is, who the Master Servicer is, who the default servicer is, who the home owner is or what the address is. It is all the same for any foreclosure victim. What I would like to see, or partake in, help create is through the help of Neil Garfield group a state by state advocacy group. What I hear most often from my attorney is “That may be happening in other states, BUT IT DOES NOT APPLY TO OUR LAW IN MICHIGAN”. I am the mom of two children with disabilities. Fighting for my children’s education has been an identical path as the fight of foreclosure with the different sub servicers. In Michigan we have the Michigan Protection Advocacy Service which any parent can call at any time to get help with their specific need at that time of what is happening with their child and the school, According to Michigan State law and ALL current changes in Federal Law. So, for example when my child was in kindergarten and the school said “it is the law” your child can not be in the same class as the “normal” children I learned very quickly with the help and support of the MPAS what “the State law and Federal law” really was and how it affected my child at that time. My children are now 16 and it has been a fight every year for a different purpose. BUT, the fight is not the same once the parent has KNOWLEDGE. Fighting fraudulent foreclosures and fighting abusive banks/mortgage servicers are no different. I have had conversations with TL and I would greatly help with being a part and voice for Michigan through the help and services of Neil Garfield group.

2/17/2017 11:11 AM

Put these bankers in jail!!

2/17/2017 11:10 AM

Your blogs are great, and it’s amazing how often they would line up with exactly what we were going through at the time. It’s too late for us, but please continue to help get the word out. Not enough people know about the fraud these banks have committed and the hell they have caused for so many. Thank you, NG!

2/17/2017 11:07 AM

The LL blog website has tremendous amounts of data but finding older articles is difficult. I applaud Neil for his approach (which he doesn’t tout enough) of lending tender to fight abuse of people enforcing TILA rescission.

2/17/2017 11:06 AM

I need immediate help ..if you can post a sample motion for stay pending appeal argument that might convince the trial court or the Appeal Court to grant the stay of sheriffs sale pending the outcome of the Appeal .. Of you can articulate the words to convince the court that this matter is so unique considering the recent SCOTUS decision in Jesinoski , that it would be in the interest of justice that the defendants don’t lose their home until the Appellate court can first rule on it …since the SCOTUS specifically addressed the problem that courts have been getting this wrong …no harm would come to Wells Fargo if a stay was granted in this matter in this particular set of circumstances … Children are involved and attending school right now and a rush to sheriffs sale before the Appeal is decided would only harm the children’s lives. If the appeals court agreed with the defendant that the trial court erred, the defendants family is still in their home. But if the Sheriffs Sale is allowed and later the appeals court agreed that errors led to a wrongful foreclosure, it’s too late to reverse the harm done to the defendant and his children. The Defendants appeal is likely to be successful and holds merit which is supported by the SCOTUS holding in Jesinoski.

2/17/2017 10:59 AM

Teach basics of filing a counterclaim.

2/17/2017 10:58 AM

Right now i have a commercial lien against wells fargo that has them a little scared of me and they have backed off me for now..

2/17/2017 10:55 AM

Livinglies has been doing great.

2/17/2017 10:52 AM

Help real foreclosure attorneys connect with the homeowners. Attorneys will tell you that they know how this works, get paid, ruin the lawsuit and leave you where you started.

2/17/2017 10:50 AM

Offer continued legal resources for people who are not only going through the process now but have gone through it in the past. If there’s ever an opportunity to publicly expose more about these banks (i.e. we never see Capital One in the news over this but they are the worst of the worst) or seek reparations for damage that has been done, sign us up!

2/17/2017 10:44 AM

Please consider publishing appropriate information in my report recorded by Connecticut Attorney General as Public Inquiry 15033**. The purpose of this factual outline is to provide information and evidence that intends to: 1. Help homeowners invalidate illegal mortgages and unlawful debts that violate Federal Regulations 2. Obtain restitution for economic damages caused by abusive acts of BOA agents and Debt Collectors 3. Demand Federal Investigations of documentary evidence of ongoing patterns of activities that violate Federal Laws and commercial codes in attempts to collect unlawful debts involving interstate commerce, mail and wire fraud; predicate acts, and patterns of criminal violations including perjury, MERS System fraud, corruption of public records, misuse of legal procedure; fraud upon Federal and State Judiciaries.

2/17/2017 10:40 AM

you are my #1 source for info.-you are always right on point -thank you so much Neil & staff. We need more access to depositions taken. Please see my comments in question #9 – these “lenders” are not licensed to lend (NMLS) in most states and further they do not have MERS#!

2/17/2017 10:33 AM

David J. Stern mailed me a racially, hateful degrading letter making threats. I need a lawyer who will be more pro active taking depositions, filing for discovery. J. Porter Tel. 3052050004

2/17/2017 10:23 AM

Would like to see attorney or group of attorneys fight the foreclosure RACKET as private attorneys general since gov’t will not address borrowers as victims

2/17/2017 10:23 AM

you got me. CFPB did nothing, Ocwen has stonewalled me since 2014. Dan Britton, Ocwen Ombudsman Analyst has lied to me and ceased all communications with me. I am awre of Ocwen CEO crimes, HSBC drug money laundering crimes and the gut sick feelings that Trump has hired Wilbur Ross (mu nemisis) as Sec of Commerce!!!!!!

2/17/2017 10:16 AM

teach how to advance other claims regarding the handling of the note and mortgage

2/17/2017 10:12 AM

we have to start with better elected officials. Mr Garfield you need to run for office

2/17/2017 10:10 AM

Help us find good attorneys who aren’t just siphoning us out of money without doing any of the work. We are at our wits end. Please call us 630-406-8060. We are located in Kane County Illinois – Thank you Neil for your hard work.

2/17/2017 10:10 AM

Help us get them!! From purchase in 2006 until today is all complete fraud! They should not be able to get away with this!

2/17/2017 10:02 AM

Giving a summary of options how to fight foreclosure base on state and federal issues would be a good ground for someone who is at the beginning stage.

2/17/2017 9:56 AM

Living Lies has been invaluable. How can you reach more people? I’ve shared the site with many people, but sometimes word to mouth is not enough. It seems the market is reaching critical mass again, I would say be ready to educate the next batch of unsuspecting home owners.

2/17/2017 9:54 AM

I lost my home. It has been resold. I just want to forget about it. Maybe Trump’s “drain the swamp” will help.

2/17/2017 9:53 AM

Teach procedure on how to attack the crooked attorneys and judges working in collusion , my case jumped to 3 different law firms and multiple attorneys and judges until finally last judge flat out just said F U .He recently passed away and some of the people that were involved in my case are no longer working or have changed career’s ,firms,

2/17/2017 9:51 AM

Would like to see more case law and positive results posted without gleaning through the appellant court decisions on the web.

2/17/2017 9:51 AM

More information for those that are forced to fight fraudulent forecloses per se. Help in finding attorneys that are willing to take on cases on contingency. Help in finding attorneys that are willing to take on VOID judgements who are ‘not afraid’ to go against a judge/court who ruled without personal jurisdiction.

2/17/2017 9:47 AM

I really appreciate all that you do and try to use the general information that you provide and compare it to Colorado statutes, and past court rulings. I wish you would cite more case law that might be helpful.

2/17/2017 9:46 AM

SEEMS TO ME THAT THERE SHOULD BE A TEMPLATE THAT EACH HOMEOWNER COULD USE BY JUST FILLING IN THE PLAYERS FOR THEIR OWN CASE. BASED ON ALL THE CASES THAT HAVE BEEN AJUDICATED IT SHOULD BE A SLAM DUNK

2/17/2017 9:45 AM

I spoke with TL Anderson who suggested a crowdfunding to pay a lawyer to Promptly and Correctly complete my Law Suits against Citi because they are on file for Misconduct, especially since they have held my repair funds keeping me in a state of chaos. My lawyer refused to deal with the true justice, ( I found out he had a conflict of interest), This could be a Win, could go to Federal Court Hearing, and could set precedent. I have been trying to get her my documents but am getting No response. We cannot drop the ball if there is a clear path to victory in any level. The only reason for me to continue the fight is if it sets a precedent. I have no joy or pursuit of happiness and have not been working for years, struggle to pay the phone bill, usually spent every dime and minute inntheboast Year to rescue my father from an abusive Guardianship, but he passed two weeks ago, – I struggle to keep my old car going and my phone on, because Citi ruined my credit and my NCIDQ Interior Design business. I am certain this could be a win in the long run but know it is much more than I can handle. I wait to provide my information, court documents etc. I have even interviewed by phone the “top ten attorneys in NYC” and have info on the firm who was awarded the billions from banks DUE TO PROVEN MUSCONDUCT TO HOMEOWNERS! When I asked where that money went, the attorney told me they had been hired by thebshareholders, so what was left after their fee, went back to the Stock Value, no arrest, no consideration to homeowners.

2/17/2017 9:38 AM

Yes – I have tried to share my fact pattern with you multiple times, we are beating WF motions – and I get no responses – We have identified Fraud tactics – but you dont reply to my emails?

2/17/2017 9:33 AM

There is not enough time to write all of this here but will provide more directly to your email.

2/17/2017 9:29 AM

You guys are great. I wish there was a good group of attorneys who specialized in foreclosure and could better help the homeowner. Homeowners cannot afford the really good attorneys and, even then, they do not understand the laws. Wish attorneys could understand TILA.

2/17/2017 9:27 AM

You can reply to the many questions on your blog. I’ve been around a long time and while Neil has theories I agree with as a pro se I don’t see how they help anyone in the unjust courts of fraudclosure. I can’t believe this fraud is so obvious and yet homeowners are still being foreclosed on 10 years later. It’s a disgrace and I blame the lawyers as much as the criminal banksters.

2/17/2017 9:23 AM

Can you help connect with more lawyers in states that don’t have foreclosure defense attorneys who understood securization, fraud, etc I know at least 10 people in NM who are dying for an informed lawyer and we may loose the good fight even though we are all well educated and have some legal background. Outreach would be very helpful!

2/17/2017 9:23 AM

Make it easier to find State specific examples of pleadings on website. The website has become cumbersome and hard to navigate.

2/17/2017 9:22 AM

your site is great and has been very helpful, but the average layperson may have difficulty digesting a lot of this. simplification to laymens terms would be helpful.

2/17/2017 9:21 AM

no and I still need help

2/17/2017 9:14 AM

Find the smoking gun Get a program that actually wins. How many people have won with rescission? These are self admitted global fraudulent enterprises that have paid hundreds of billions is fines for mortgage related irregularities (crimes) and hardly anyone wins against them?? How can that be the case?

2/17/2017 9:10 AM

Present legal strategies that are not merely theory but actually work in litigation. Always provide supporting authority for any theories presented.

2/17/2017 9:04 AM

 

 

 

16 Responses

  1. URGENCY: Carefully scrutinize Maryland Attorneys. Never could get one! Now I know why. I was prayed upon by my attorney who knew he could get paid by the Servicers. My attorney was disbarred in Bankruptcy and I lost my case. He sold me under the water, that was under the rock that was under the bridge. You may contact me. I have tons of evidence to shut one law firm down and Nationstar. I just need to get it in the right hands. I delved into the Maryland Land records and across the country to show inconsistencies. Thanks.

  2. If you live in Oklahoma, please contact me. I am in contact with an investigative National media outlet on a developing segment. 7 years ago, I was on the Brian Williams show and have many additional contacts. This go around is with a different network. I need multiple damaged families from Oklahoma.

  3. t, too missed the live survey. 2005 loan for 315,000 and second mortgage same day for 112,000. Already had a house with a mortgage for $380,000. I made $20 bucks an hour. I was told not to bring a lawyer to closing. I was told that I could refinance after my 1st house sold. Original straw man was American Brokers Conduit. Forged Danielle Sterling undated blank endorsement, BOA became servicer then in 2008 told me not to make payments so I could qualify for “bail out money” – their words. I fought the fight for mod for 4 years. 4 denials (various made up reasons) and paperwork submitted 13 times. Mers for ABC assigned to Resurgent in 2013 and they assigned to shellpoint in 2014. Currently being sued for foreclosure by Shellpoint who says they have had the note in their possession since 2013. Copy attached to complaint very different than “original” they sent me copies of during QWR process. They offered a trial mod but refused to show any of it in writing. I didn’t accept. On 2nd lawyer. I still can’t believe I haven’t begun drinking myself into oblivion.

  4. It, too missed the live survey. 2005 loan for 315,000 and second mortgage same day for 112,000. Already had a house with a mortgage for $380,000. I made $20 bucks an hour. I was told not to bring a lawyer to closing. I was told that I could refinance after my 1st house sold. Original straw man was American Brokers Conduit. Forged Danielle Sterling undated blank endorsement, BOA became servicer then in 2008 told me not to make payments so I could qualify for “bail out money” – their words. I fought the fight for mod for 4 years. 4 denials (various made up reasons) and paperwork submitted 13 times. Mers for ABC assigned to Resurgent in 2013 and they assigned to shellpoint in 2014. Currently being sued for foreclosure by Shellpoint who says they have had the note in their possession since 2013. Copy attached to complaint very different than “original” they sent me copies of during QWR process. They offered a trial mod but refused to show any of it in writing. I didn’t accept. On 2nd lawyer. I still can’t believe I haven’t begun drinking myself into oblivion.

  5. I did not see the survey when it was live, so I’ll leave my thoughts here. I’m in Louisiana. I’ve been fighting foreclosure for nearly 7 years, through two lawsuits. The first was dismissed after 11 months, and I was never even served in that one. The second one was filed just over a year after the first was dismissed. The original lender sold this loan off almost before the ink on the note was dry, changed the account number and everything, but never disclosed to me that it had been sold. So, they tried to foreclose, and I filed a counter claim. Thanks to my counter claim, they backed off and sold the loan in 2013. They remained on the case as a plaintiff for 3 full years until I forced their and by trying to dismiss the lawsuit as abandoned–in this state, it is abandoned after 3 years with no action at all. So, while they knew they had no standing, they tried to act as a plaintiff and conduct discovery anyways….I refuse to answer it because it is void according to law, since they have no standing. That’s where we are today. No, I do not have an attorney—and that’s because of the attorneys. I’ve checked with every attorney I could find in this state….I even found one that advertises that it is the only firm in the state that aggressively pursues these claims. So, I brought my info to them. In my case, the court aided the plaintiff, and came right out and told me that they did so. So, I brought my proof of this to this whiz-bang attorney who aggressively pursues these kinds of claims….and I was promptly told the following:

    1–the court DID break the laws.
    2–the opposing attorney also DID break the laws.

    BUT…..they are not going to pursue these claims because they have to work with the same judge and go up against this same attorney later on down the road, possibly, and it’s not in THEIR best interest to fight this. I’m not kidding….THAT is why I don’t have an attorney, because attorneys represent their OWN best interests, not ours. Sure, they want to take our money…but they don’t want to go to work for us…..? Sorry, I’m not buying that at any price.

    So now, I’m fighting without an attorney. I’ve been up to my eyeballs in the laws, rules of court, civil procedure, case law, and more for years now. Some of the attorneys I’ve spoken with knew less about some of these laws than I do now…..I’ve also gotten further on my own than any attorney here seems to be getting for people. I’m not willing to take a loan mod unless and until they can prove that they are the proper party, because I KNOW they are not. So do they. The signatures are forged, and I’ve proven it. The assignment was manufactured out of thin air and I’ve proven that too. We’ll keep fighting, and we will keep pushing against the illegal actions all the way up to the Supreme Court if I need to. The reason why these courts take advantage of us, and the foreclosure mill attorneys too, is because no one fights back against it. Most people never even answer a foreclosure summons.

  6. The loan modification fraud continues at a rapid pace. Can anyone answer this? Who is a loan modification contract with? Most of the original fake lenders are gone. And, as Neil has pointed out – the trusts don’t have the loans. Servicers are now claiming the trust, without a trustee, owns the loan. Trusts are not legal entities without a trustee. So, who is the contract with? Loan modifications should not ever be done without demand of who the contract is signed with – who is the actual owner of the debt, and it should be recorded in counties. CFPB is not doing it’s job — they are the only entity the people can go to. Nothing is happening to fix the wide scale problems.

  7. Yes please!!!!!! We need a class action . thoseb who have just need to be compensated and those of us fighting need financial help. We need to shut this down Iceland style. Yes this proves all the fakery going on. Please start something a class action. We are the working people of this country we need relief. This court abuse syndrome is going to kill many of us as it has already has to many friends. This is a message for help.

  8. Eastern District court Alexandria has confirmed in the opinion yesterday that the court will bend over backwards to rule in favor of banks. The opinion even cites Wells Fargo lies that were disputed TWICE already in the briefs….but the court just repeated WF’s lies.

    I still know the truth…..

    Making plans to leave US now….not a good place to stay.

  9. And I hope all you Obama voters are happy with yourselves.

  10. I have all the same complaints as everyone else…at it 10 years and no longer have faith in the judicial system, government regulators…or the banking system.

  11. I think the above comments reflect the fact that
    1) the courts will provide NO RELIEF for the homeowners
    2) National security dictates that the banks be protected no matter what the costs to the citizens
    3) Once you realize the position you are in has become a “cat and mouse” game, take the fight to them in an indirect way: file a Chapter 13, pay off your car and other valid loans while fighting an adversary action. When you lose and get whacked for attorneys fees, go file a Chapter 7. They will eventually get the house, but make sure you get the last laugh.
    This country is a mess.

  12. Please write to your State senators to amend laws to protect homeowners from illegal foreclosures. A lot of things are becoming fake these days that may include fake assignments and promissory notes. In our case, the assignment is absurdly void and the servicer had the audacity to send us a print out of a pro forma of a promissory note without our signatures when we sent a Qualified Written Request demanding a certified copy of the wet inked signed promissory note we had signed with Countrywide Home Loans. We don’t know how to prove that they sent these contents.

  13. This survey documents all the problems homeowners are having with banks trying to steal their homes. Most of those fighting back have been doing so do 7-9 years. We’re not alone. This survey is evidence that documents a pattern of wrongful practices which could establish a strong case for racketeering and a large class action for Neil Garfield.

  14. We all knew this was all planned
    https://www.infowars.com/exclusive-docs-obama-destroyed-middle-class-mortgages-to-prop-up-obamacare-looting-scheme/
    Here it is in plain sight

  15. Let me give Ken Rosellini the heads up that his name is out there on your blog. Lol. He is a sole practitioner and also does a lot of civil rights cases with DYFS.

    Can I call you guys tomorrow to discuss my possibly writing an article of the overview of the NJ realities of fc? Also I do know the handful of attys that have made good case law. More should be done with them on your blog to explain the reality of NJ.

    Let me know if that interests you.

    Thanks. J

  16. Hello, do you have any information on statute of limitations on a heloc in Arizona/

    Thanks

    jk

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