DO YOU WANT TO STALL THE FORECLOSURE OR DEFEAT IT?

TweetShareThis morning I spent 2  ½ hours discussing the current mortgage crisis with  Storm Bradford from Mortgage Fraud Examiners (See here for Storm’s website).   Storm brought to light a few disturbing issues that have been troubling me but I have not been able to articulate.  As a homeowner that is continuing …

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When is forgery not forgery?

TweetShareYesterday I received an email from Charles Cox, the Oregon Director of the National Homeowners Cooperative, in which he shared a copy the Nevada Lender Processing Services, Docx, Default Solutions, and Fidelity National’s  Motion to Dismiss (See NevadaMTD)  of Nevada State Attorney General Masto’s  Complaint against their, among other things, …

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The Trustee, Trustee and Trustee…huh?

Org Trust with Parent child teacher

TweetShareTweet    In a typical non judicial foreclosure there are THREE different Trustees: 1) The original Trustee listed on the Deed of Trust when the loan is originated and the Deed of Trust is signed  2) The substituted Trustee that is substituted during the foreclosure process to conduct the Trustee …

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Fighting Foreclosure is NOT about a FREE House — it is about a fair and reasonable loan

TweetShareTweet Recently a friend sent me an email about a trial transcript circulating on the internet that details how a judge loathed the idea of giving a homeowner a free house, so much so that he ignored the law in his ruling.  Another friend, an attorney, shared a story with …

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Why Fight Foreclosure?

TweetShareFor whatever reason – a major life changing event, an escalating ARM that is out of control, an underwater property,  you have received the dreaded Notice of Default and are officially in the foreclosure process.   So now what do you do?  Scramble to find the money to bring your loan …

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Why does one court’s ruling take precedence over another court’s ruling?

TweetShareTweet One of the most confusing aspects of the law is understanding how to use case rulings and opinions.  There is nothing more embarrassing than to cite a case to the judge only to have the judge tell you the case was overturned by a higher court.  When I first …

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What the heck is securitization and what does it have to do with my foreclosure?

TweetShareAfter receiving a notice that my mortgage loan payment was increasing by almost $600 per month, I, like many Americans reached out to my servicer to discuss how I could modify my loan into a sustainable payment.  I did not ask for a principal reduction; I did not ask to …

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Should I fight my foreclosure through an attorney or as a pro se?

TweetShareKnowing what I know now, I am not so sure I would have fought my foreclosure.  Not because fighting the foreclosure was wrong but because the information I needed to absorb and understand was overwhelming; even more so when I fired my attorney and decided to fight the battle as …

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