Retired, Sr, Disab, Vet DREAMS SHATTERED- AHMSI/ McCain/Gov Politics responsible for foreclosure/quick-sale @ 18892 State Highway 88, Pine Grove, CA 95665 discovered AHMSI obtained modif. loan w/fraud info not disclaiming house is mobile home. Denied loan facing homeless w/ wife/granddaughter. AHMSI agrees to write off $400k+ (698K loan) & foreclose - AHMSI refused lower price to owner- banks, investor, gov agencies TURNS BACK on vet. God Bless America ,
I already posted a site that list more than a few successes. And that is only one site. I am not for or against any solution - you provided none. I am just stating what the law allows and/or demands. Doesn't matter if you like it or not, this is what the law and precedent states. These are approaches that the lawyer in the video states. And there are cases that show that it works.
@drummerbadass1 Hey snaredrum, for like the FIFTIETH time, I am not in foreclosure, I am finding my payments easy to make, I am almost paid off. Had to come in under a different name, eh? Despite not being in ANY way in default, I still want to let people know their rights against foreclosure, since so many fraudulent ones are about.
@drummerbadass1 snaredrum, first of all, I already answered that, secondly, its none of your business, and thirdly its beside the point. This video is talking about people facing foreclosure and what they should do to protect themselves. It is all advice that adheres to the current law and statutes.
@cinderfrickinrella Harrisburg, Pa., mayor hit with foreclosure notice Story posted 2011.12.07 at 08:21 PM EST
HARRISBURG, Pa. (AP) - A bank has filed a mortgage foreclosure action against a property owned by the mayor of Pennsylvania's financially troubled capital.
@snaredrum110 well, then take it up with the judges who ruled against the lender because they couldn't produce the note, or substantiate the debt. Take it up with them. I'm bored with this, i have made my point.
@snaredrum110 Sure, why not try it? You are the only one on all these comments to think of using the remedy to just get out of paying money you owed. The video never suggested that, I never did, but that is exactly where your mind went - only yours, by the way.
@snaredrum110 Hmmm, funny. It's wrong to try to get financial compensation for a bank being fraudulent, but it "works out correct" if a defaulting owner gets burned to death, or a banker gets shot in the street. So much better.
@snaredrum110 You only read some of my responses? Apparently.Try again, I said that debt is illegitimate and should not be paid. Do you know what illegitimate means? oh, never mind.....
@snaredrum110 No bank is too big to fail. They deliberately wrote bad loans, then bet on them, then wrote off the "loss", then got paid AGAIN by Obama. THAT is why this country is in trouble financially. Well, one of many reasons.
Woohoo, pullin' out the racist rant now, are we? Couldn't think of anything against women?
Again, and I will speak S L O W L Y, I am advocating for those who are being foreclosed on by crooked banks, not offering a free ride.
@snaredrum110 The bailout has nothing to do with all this. These banks didn't lose at all. They are just cronies that got paid by their friends in Washington, no matter if homes went belly up or not. That debt, that bailout, is illegitimate and should not be paid. Obama is the last person I would ever vote for.
No, I am too pale to be a black rat. lol (There's that red-faced, back in the corner name-calling again) This is sweet, people who come and read this thread will see right thru BS
@snaredrum110 The developer got paid, with no skin of anybody;s nose, since the bank just made up that amount out of thin air, instead of their own pocket. Nobody lost anything. Yes, I bought a house I could afford and I have no problems paying it. I certainly did not say I was gonna all of a sudden try to get out of paying. Banks knowingly make bad loans, to keep people's assets . Kinda funny, as soon as someone sees they are losing a logical argument, they resort to name-calling.
@snaredrum110 Most people don't know what you know, and by not telling the borrower these facts, it constitutes fraud. No matter when they finally figured it out.
@snaredrum110 And something else you don't seem to know - the "money" they "loaned" you wasn't that, it was figure they just punched into the computer. Then you pay them with your hard-earned cash and they make a bundle. 100 percent profit. A bank can loan up to 100 times its actual assets. So even if you stopped payment, they lost nothing. Sure they gave the "money" to the seller, but what money? Just a figure they punched in as a credit. Misrepresenting this fact nullifys the contract.
@snaredrum110 If the bank or corporation that actually now owns the mortgage steps forward, you will pay them, but NOT just somebody that is claiming to own it. Many many times these notes are sold repeatedly without assigning them, or notifying the owner of the change. So until it is sorted out, the borrower stops paying.. You must remember that a lot of borrowers try to work with the bank for lower payments first, and the bank doesn't care. So the fact they owe is not it, it is WHO they owe
@snaredrum110 Wait, I thought the judges were corrupt, and that's why it wouldn't work - that's what you said earlier. Now you make it sound like a good honest judge wouldn't let you live for "free", as you said. Which is it? Again, you who won't even research the thousands of cases yourself, fraudulent suits without a mortgage note ARE BEING THROWN OUT and the people are remaining in their homes. Yes, and some get free, clear title. Yes, they do. IT'S ABOUT THE RIGHT TO SUEnot if you paid
@snaredrum110 I am trying to help people KEEP their houses, legally, not sell them to someone who wants to flip them for a profit. I have not advised someone to try to just take their house without paying, I am trying pass on info about how to stop a foreclosure. You're not making sense.
@snaredrum110 In court, you must have EVIDENCE.. Maybe you don't know what that is. You can't just make a claim against someone without evidence. You can't foreclose without proving you are the injured party. Without a mortgage note, you can't prove you have a claim. And if you sold it, THAT party now owns it, and the borrower has to be notified first. Just because you are cynical and bitter doesn't mean others have to buy into it.
@snaredrum110 ????????? Me???? I am a single mom and have never represented anyone in court, ever. There are numerous records of verification. Look them up. The info I have passed on here is meant to help those who are being foreclosed on. It gives them a chance to keep their house. If they don't do anything, the sheriff for sure will come and throw them out. It's always better to fight, if you have a case legally. You aren't making any sense.
@snaredrum110 YOU on the other hand obviously bit off more than you could chew, since you lost not only your home but your business property. So I think your credibility is in question here.
@snaredrum110 No deal, I am doing this to help others, and it really doesn't bother me if you mismanaged your affairs and lost BOTH your business and your home property. See, people will read all our comments and those who want to learn, will. My question is, WHY did you go into foreclosure in the first place? YOU DIDN'T PAY, so that says a lot. I bought a modest home at a good price and made sure I could make the payments. Case closed. That is why it will be paid off soon.
@snaredrum1 Look up the successful cases. There are public records of them. I heard this advice and checked to see if it had worked for anyone. It has, over and over again.
@snaredrum110 You don't just go and say, I don't want to pay. You send them legal notice that you are ready to settle the debt in exchange for the original instrument of indebtedness. If they refuse to provide this, and you show that you are willing to settle the debt, not breach the contract,but they won't return the original mortgage note, he will throw out the case. This happens all the time.It's obvious you are on here to spread disinfo. But the people are waking up and standing up..
@snaredrum110 YOU look it up, that's what I did. I wouldn't hire a lawyer to represent me, it is so clear cut. And rather than say just let them take your house, like you advise, I say, you have nothing to lose, certainly not more money, by standing up and challenging an illegal foreclosure. If I gave you the links, you would say they were fabricated. But they are there. Lots of them. Hard for you to believe someone is just trying to help. And I am not a guy. Who do you work for?
@snaredrum110 You bring up a good point - you can fight a foreclosure WITHOUT hiring a lawyer, there are letters you can send that will stop them in their tracks if they do not hold title or can validate the debt (which they cannot), since you monetized it. Don't just give in, FIGHT. Real estate is one of the best investments you can make, as long as you don't get greedy and bite off more than you can chew. I still have more equity than what I owe, like 2x, and it will be paid off shortly.
@swampratzozzle Stole it? No, I PAID on it. Of course someone like you would never think of that. I bought if from the owner who owned it free and clear. But if a good deal came up on a foreclosure, good economic sense would dictate to buy it. It is not wrong to make money. Maybe you could try that, and you won't lose another house.. so you are telling me not to fight it, just let it go, but saying that if you do fight it and lose, you lost because you fought it. You make no sense.
@snaredrum1 If somebody is being foreclosed on already, they should certainly demand to see who actually owns the note. A bank that has no title has no claim. There are even instances where an owner with a paid up mortgage, I mean paid OFF, has been foreclosed on.
@snaredrum110 Really? You know nothing. Actually, I was smart enough to get my mortgage through a local credit union. So I haven't needed the remedy. But if they ever screwed around and tried to fraudulently foreclose, I would use it.
You keep saying it doesn't work in the real world. It didn't work for YOU, becuase you didn't know what you were doing. It has worked for many many others, I mean MANY others. So I don't know why you keep arguing. I will keep spreading the word.
@snaredrum110 Yup, you definitely don't know the legislation. YOU were unsuccessful, but there are many who were not. You think I don't know anyone personally that has used the law to defend themselves?
ONLY THE ONE WHO PHYSICALLY HOLDS THE ORIGINAL INSTRUMENT OF INDEBTEDNESS CAN SUE FOR FORECLOSURE.
@snaredrum110 If a person entered a contract and this information was withheld from them (the information that they are in fact monetizing their own debt!), then the contract is fraudulent, and no longer enforceable. If a person asks for validation, the lender will back off, because to admit they can't is an admission of fraud. Indeed, some lenders will be prosecuted for doing this. It's a scam.
@snaredrum110 I don't think you quite understand how the laws and statutes work here. The issue is WHO the borrower in indebted to. Also, just asking the lender to validate the debt can halt a foreclosure, because they can't. No money was lent. It didn't exist. The lender lends out up to 100 times the actual assets it owns. If they can't validate they actually lent the money, rather than just issuing a credit (which is what they did), they have no claim. This is all in the law.
@snaredrum110 Also, the trail of payment to occupy/purchase means nothing. Often a mortgage note will be sold many times while there is still the same purchaser occupying the house. People sell mortgages all the time. So if the original lender no longer has that original note, it cannot sue for failure to pay. Because failure to produce the ORIGINAL instrument of indebtedness constitutes failure to accept payment and the judge can grant the title to the borrower. This has been successful.
@snaredrum110 No, that is the whole point. More often than not, the original bank is not in possession of, or does know where the ORIGINAL instrument of indebtedness is. A savvy borrower will not settle for a copy. This means nothing. It has to be the original instrument that you physically signed. What makes you think people are just trying to get the house for nothing. They are just trying to stop the foreclosure. By the way, I have no debt issues myself.
@snaredrum110 Oh sorry, for you I say "Don't do anything, don't even try, just let them take the house". Apparently there are still some good judges left. So, Snaredrum, for heaven's sake, don't even TRY. Yeah, that makes sense. And apparently you have not read all the cases that have been dismissed. Fail? NOT!
@snaredrum110 You got a point there, but I think that people who are facing foreclosure have to be more proactive instead of being on the defensive. A securitization audit is the way to go, tracking and tracing back the history of your note and the "robo signing" fraud. The more proofs you have when going to court, the more chances you have of winning, plus the tide is changing. Then you keep on going until you find a judge who actually follows and applies the law.
I have lived the hellish nightmare for fighting for my only child. I was illegally evicted from my beautiful home over a escrow scam. On top of proof of an illegal foreclosure my child at 2 yrs old was unlawfully kidnapped about 2 yrs before my home was stolen. Wells Fargo is full of fraud. Please you tube my name Amy Charron and Gov. Rick Perry and you tube my name as well. I lost everything illegally just for fighting for my girl and still no justice. This injustice should never of happened
The laws are the laws, even of you go to court. The lenders are not dumb and will provide the paperwork. Too bad for the home owner if he gets into a situation he can't handle.
@pricematt Yes, the laws are certainly the law. The lender must provide the note or are considered to not accept payment. They have sold the note, it happens all the time. Therefore they have no ownership.
@pricematt Also, they did not even loan money, as they write up a credit 10 times, and sometimes 100 times more than the actual assets they possess. The borrower finances his own loan! The lender cannot validate such a "debt", and that alone frees the borrower. These crooked lenders want to foreclose, they have it coming.
What this video is say is true. You can get on the biggest lawauit against the banks in the counrty go to icansuemylender. com or call 1-866-967-9993 to be apart of this lawsuit and sue your lender!!! They can also delay your foreclosure!
What this video is say is true. You can get on the biggest lawauit against the banks in the counrty go to icansuemylender. com or call 1-866-967-9993 to be apart of this lawsuit and sue your lender!!!
Ocwen is a predatory lender - it held onto an insurance dispersement check for over three months forcing me into the foreclosure loop; last year it forced flood insurance for 3000. annually (State Farm says 800. should be the max for my house...even tho an elevation survey proves not needing this, etc) in Florida
Useful information. I think there should be a LOT more of this kind of thing available to people who make an effort to do the right thing, but suffer a loss and then suffer further at the hands of careless, or incompetent financial institutions, lawyers, judges and so on.
No. I am a little sidetracked at the moment.
bwhite890 5 days ago
Should I do this even if I am not in foreclosure? I think my home loan has changed hands 5 times during my time in it.
bwhite890 1 month ago
@bwhite890 Mine, too.. Any luck yet with research?
savgal1211 6 days ago
Retired, Sr, Disab, Vet DREAMS SHATTERED- AHMSI/ McCain/Gov Politics responsible for foreclosure/quick-sale @ 18892 State Highway 88, Pine Grove, CA 95665 discovered AHMSI obtained modif. loan w/fraud info not disclaiming house is mobile home. Denied loan facing homeless w/ wife/granddaughter. AHMSI agrees to write off $400k+ (698K loan) & foreclose - AHMSI refused lower price to owner- banks, investor, gov agencies TURNS BACK on vet. God Bless America ,
1946veteran 1 month ago
Looks like people found out they are screwed in a foreclosure... No more views.
drummerbadass1 2 months ago
California laughs the produce the note defense right out of the court.
drummerbadass1 2 months ago
I already posted a site that list more than a few successes. And that is only one site. I am not for or against any solution - you provided none. I am just stating what the law allows and/or demands. Doesn't matter if you like it or not, this is what the law and precedent states. These are approaches that the lawyer in the video states. And there are cases that show that it works.
swampratzozzle 2 months ago
@swampratzozzle The banks are scumbags no doubt. But why aren't you paying on your contract?
drummerbadass1 2 months ago
@drummerbadass1 Hey snaredrum, for like the FIFTIETH time, I am not in foreclosure, I am finding my payments easy to make, I am almost paid off. Had to come in under a different name, eh? Despite not being in ANY way in default, I still want to let people know their rights against foreclosure, since so many fraudulent ones are about.
swampratzozzle 2 months ago
@drummerbadass1 snaredrum, first of all, I already answered that, secondly, its none of your business, and thirdly its beside the point. This video is talking about people facing foreclosure and what they should do to protect themselves. It is all advice that adheres to the current law and statutes.
swampratzozzle 2 months ago
@drummerbadass1 Scuse me? Who said that?
swampratzozzle 2 months ago
@swampratzozzle Can you cite an actual case study that was victorious?
drummerbadass1 2 months ago
@drummerbadass1 More than one.I already posted the site a bunch of cases were cited by state and number. I told you this already.
swampratzozzle 2 months ago
@swampratzozzle can you email me the cases please? thanks so much, wendygshapiro@yahoo.com
cinderfrickinrella 1 month ago
This has been flagged as spam show
@cinderfrickinrella Harrisburg, Pa., mayor hit with foreclosure notice Story posted 2011.12.07 at 08:21 PM EST
HARRISBURG, Pa. (AP) - A bank has filed a mortgage foreclosure action against a property owned by the mayor of Pennsylvania's financially troubled capital.
...
zograp1 1 month ago
@snaredrum110 well, then take it up with the judges who ruled against the lender because they couldn't produce the note, or substantiate the debt. Take it up with them. I'm bored with this, i have made my point.
swampratzozzle 2 months ago
@snaredrum110 Sure, why not try it? You are the only one on all these comments to think of using the remedy to just get out of paying money you owed. The video never suggested that, I never did, but that is exactly where your mind went - only yours, by the way.
swampratzozzle 2 months ago
@snaredrum110 Hmmm, funny. It's wrong to try to get financial compensation for a bank being fraudulent, but it "works out correct" if a defaulting owner gets burned to death, or a banker gets shot in the street. So much better.
swampratzozzle 2 months ago
@snaredrum110 I was talking about the debt incurred when bailing out the bankers.
swampratzozzle 2 months ago
@snaredrum110 You only read some of my responses? Apparently.Try again, I said that debt is illegitimate and should not be paid. Do you know what illegitimate means? oh, never mind.....
swampratzozzle 2 months ago
@snaredrum110 Sour grapes, anyone? (passes a bowl of them around)
swampratzozzle 2 months ago
@snaredrum110 No bank is too big to fail. They deliberately wrote bad loans, then bet on them, then wrote off the "loss", then got paid AGAIN by Obama. THAT is why this country is in trouble financially. Well, one of many reasons.
Woohoo, pullin' out the racist rant now, are we? Couldn't think of anything against women?
Again, and I will speak S L O W L Y, I am advocating for those who are being foreclosed on by crooked banks, not offering a free ride.
swampratzozzle 2 months ago
@snaredrum110 The bailout has nothing to do with all this. These banks didn't lose at all. They are just cronies that got paid by their friends in Washington, no matter if homes went belly up or not. That debt, that bailout, is illegitimate and should not be paid. Obama is the last person I would ever vote for.
No, I am too pale to be a black rat. lol (There's that red-faced, back in the corner name-calling again) This is sweet, people who come and read this thread will see right thru BS
swampratzozzle 2 months ago
@snaredrum110 No, I did not say that. I did say it has been successful many times.
swampratzozzle 2 months ago
Wanto see some people who won - this is just ONE small list! triple double u the home owners revolt
swampratzozzle 2 months ago
@snaredrum110 The developer got paid, with no skin of anybody;s nose, since the bank just made up that amount out of thin air, instead of their own pocket. Nobody lost anything. Yes, I bought a house I could afford and I have no problems paying it. I certainly did not say I was gonna all of a sudden try to get out of paying. Banks knowingly make bad loans, to keep people's assets . Kinda funny, as soon as someone sees they are losing a logical argument, they resort to name-calling.
swampratzozzle 2 months ago
@snaredrum110 Most people don't know what you know, and by not telling the borrower these facts, it constitutes fraud. No matter when they finally figured it out.
swampratzozzle 2 months ago
@snaredrum110 And something else you don't seem to know - the "money" they "loaned" you wasn't that, it was figure they just punched into the computer. Then you pay them with your hard-earned cash and they make a bundle. 100 percent profit. A bank can loan up to 100 times its actual assets. So even if you stopped payment, they lost nothing. Sure they gave the "money" to the seller, but what money? Just a figure they punched in as a credit. Misrepresenting this fact nullifys the contract.
swampratzozzle 2 months ago
@snaredrum110 If the bank or corporation that actually now owns the mortgage steps forward, you will pay them, but NOT just somebody that is claiming to own it. Many many times these notes are sold repeatedly without assigning them, or notifying the owner of the change. So until it is sorted out, the borrower stops paying.. You must remember that a lot of borrowers try to work with the bank for lower payments first, and the bank doesn't care. So the fact they owe is not it, it is WHO they owe
swampratzozzle 2 months ago
@snaredrum110 Wait, I thought the judges were corrupt, and that's why it wouldn't work - that's what you said earlier. Now you make it sound like a good honest judge wouldn't let you live for "free", as you said. Which is it? Again, you who won't even research the thousands of cases yourself, fraudulent suits without a mortgage note ARE BEING THROWN OUT and the people are remaining in their homes. Yes, and some get free, clear title. Yes, they do. IT'S ABOUT THE RIGHT TO SUEnot if you paid
swampratzozzle 2 months ago
@snaredrum110 I am trying to help people KEEP their houses, legally, not sell them to someone who wants to flip them for a profit. I have not advised someone to try to just take their house without paying, I am trying pass on info about how to stop a foreclosure. You're not making sense.
swampratzozzle 2 months ago
@snaredrum110 In court, you must have EVIDENCE.. Maybe you don't know what that is. You can't just make a claim against someone without evidence. You can't foreclose without proving you are the injured party. Without a mortgage note, you can't prove you have a claim. And if you sold it, THAT party now owns it, and the borrower has to be notified first. Just because you are cynical and bitter doesn't mean others have to buy into it.
swampratzozzle 2 months ago
@snaredrum110 ????????? Me???? I am a single mom and have never represented anyone in court, ever. There are numerous records of verification. Look them up. The info I have passed on here is meant to help those who are being foreclosed on. It gives them a chance to keep their house. If they don't do anything, the sheriff for sure will come and throw them out. It's always better to fight, if you have a case legally. You aren't making any sense.
swampratzozzle 2 months ago
@snaredrum110 YOU on the other hand obviously bit off more than you could chew, since you lost not only your home but your business property. So I think your credibility is in question here.
swampratzozzle 2 months ago
@snaredrum110 No deal, I am doing this to help others, and it really doesn't bother me if you mismanaged your affairs and lost BOTH your business and your home property. See, people will read all our comments and those who want to learn, will. My question is, WHY did you go into foreclosure in the first place? YOU DIDN'T PAY, so that says a lot. I bought a modest home at a good price and made sure I could make the payments. Case closed. That is why it will be paid off soon.
swampratzozzle 2 months ago
@snaredrum1 Look up the successful cases. There are public records of them. I heard this advice and checked to see if it had worked for anyone. It has, over and over again.
swampratzozzle 2 months ago
@snaredrum110 You don't just go and say, I don't want to pay. You send them legal notice that you are ready to settle the debt in exchange for the original instrument of indebtedness. If they refuse to provide this, and you show that you are willing to settle the debt, not breach the contract,but they won't return the original mortgage note, he will throw out the case. This happens all the time.It's obvious you are on here to spread disinfo. But the people are waking up and standing up..
swampratzozzle 2 months ago
@snaredrum110 YOU look it up, that's what I did. I wouldn't hire a lawyer to represent me, it is so clear cut. And rather than say just let them take your house, like you advise, I say, you have nothing to lose, certainly not more money, by standing up and challenging an illegal foreclosure. If I gave you the links, you would say they were fabricated. But they are there. Lots of them. Hard for you to believe someone is just trying to help. And I am not a guy. Who do you work for?
swampratzozzle 2 months ago
@snaredrum110 You bring up a good point - you can fight a foreclosure WITHOUT hiring a lawyer, there are letters you can send that will stop them in their tracks if they do not hold title or can validate the debt (which they cannot), since you monetized it. Don't just give in, FIGHT. Real estate is one of the best investments you can make, as long as you don't get greedy and bite off more than you can chew. I still have more equity than what I owe, like 2x, and it will be paid off shortly.
swampratzozzle 2 months ago
@swampratzozzle Stole it? No, I PAID on it. Of course someone like you would never think of that. I bought if from the owner who owned it free and clear. But if a good deal came up on a foreclosure, good economic sense would dictate to buy it. It is not wrong to make money. Maybe you could try that, and you won't lose another house.. so you are telling me not to fight it, just let it go, but saying that if you do fight it and lose, you lost because you fought it. You make no sense.
swampratzozzle 2 months ago
@snaredrum110 Talk to the hand, no one is listening.
swampratzozzle 2 months ago
@snaredrum1 If somebody is being foreclosed on already, they should certainly demand to see who actually owns the note. A bank that has no title has no claim. There are even instances where an owner with a paid up mortgage, I mean paid OFF, has been foreclosed on.
swampratzozzle 2 months ago
@snaredrum110 Really? You know nothing. Actually, I was smart enough to get my mortgage through a local credit union. So I haven't needed the remedy. But if they ever screwed around and tried to fraudulently foreclose, I would use it.
You keep saying it doesn't work in the real world. It didn't work for YOU, becuase you didn't know what you were doing. It has worked for many many others, I mean MANY others. So I don't know why you keep arguing. I will keep spreading the word.
swampratzozzle 2 months ago
@snaredrum110 Yup, you definitely don't know the legislation. YOU were unsuccessful, but there are many who were not. You think I don't know anyone personally that has used the law to defend themselves?
ONLY THE ONE WHO PHYSICALLY HOLDS THE ORIGINAL INSTRUMENT OF INDEBTEDNESS CAN SUE FOR FORECLOSURE.
A CONTRACT BASED ON FRAUD IS NOT ENFORCEABLE.
Should I say it again more slowly?
swampratzozzle 2 months ago
@snaredrum110 If a person entered a contract and this information was withheld from them (the information that they are in fact monetizing their own debt!), then the contract is fraudulent, and no longer enforceable. If a person asks for validation, the lender will back off, because to admit they can't is an admission of fraud. Indeed, some lenders will be prosecuted for doing this. It's a scam.
swampratzozzle 2 months ago
@snaredrum110 I don't think you quite understand how the laws and statutes work here. The issue is WHO the borrower in indebted to. Also, just asking the lender to validate the debt can halt a foreclosure, because they can't. No money was lent. It didn't exist. The lender lends out up to 100 times the actual assets it owns. If they can't validate they actually lent the money, rather than just issuing a credit (which is what they did), they have no claim. This is all in the law.
swampratzozzle 2 months ago
@snaredrum110 Also, the trail of payment to occupy/purchase means nothing. Often a mortgage note will be sold many times while there is still the same purchaser occupying the house. People sell mortgages all the time. So if the original lender no longer has that original note, it cannot sue for failure to pay. Because failure to produce the ORIGINAL instrument of indebtedness constitutes failure to accept payment and the judge can grant the title to the borrower. This has been successful.
swampratzozzle 2 months ago
@snaredrum110 No, that is the whole point. More often than not, the original bank is not in possession of, or does know where the ORIGINAL instrument of indebtedness is. A savvy borrower will not settle for a copy. This means nothing. It has to be the original instrument that you physically signed. What makes you think people are just trying to get the house for nothing. They are just trying to stop the foreclosure. By the way, I have no debt issues myself.
swampratzozzle 2 months ago
@snaredrum110 Oh sorry, for you I say "Don't do anything, don't even try, just let them take the house". Apparently there are still some good judges left. So, Snaredrum, for heaven's sake, don't even TRY. Yeah, that makes sense. And apparently you have not read all the cases that have been dismissed. Fail? NOT!
swampratzozzle 2 months ago
@snaredrum110 You got a point there, but I think that people who are facing foreclosure have to be more proactive instead of being on the defensive. A securitization audit is the way to go, tracking and tracing back the history of your note and the "robo signing" fraud. The more proofs you have when going to court, the more chances you have of winning, plus the tide is changing. Then you keep on going until you find a judge who actually follows and applies the law.
machintruc313 2 months ago
This has been flagged as spam show
I have lived the hellish nightmare for fighting for my only child. I was illegally evicted from my beautiful home over a escrow scam. On top of proof of an illegal foreclosure my child at 2 yrs old was unlawfully kidnapped about 2 yrs before my home was stolen. Wells Fargo is full of fraud. Please you tube my name Amy Charron and Gov. Rick Perry and you tube my name as well. I lost everything illegally just for fighting for my girl and still no justice. This injustice should never of happened
TheAmycharron 3 months ago
The laws are the laws, even of you go to court. The lenders are not dumb and will provide the paperwork. Too bad for the home owner if he gets into a situation he can't handle.
pricematt 3 months ago
@pricematt Yes, the laws are certainly the law. The lender must provide the note or are considered to not accept payment. They have sold the note, it happens all the time. Therefore they have no ownership.
swampratzozzle 2 months ago
@pricematt Also, they did not even loan money, as they write up a credit 10 times, and sometimes 100 times more than the actual assets they possess. The borrower finances his own loan! The lender cannot validate such a "debt", and that alone frees the borrower. These crooked lenders want to foreclose, they have it coming.
swampratzozzle 2 months ago
What this video is say is true. You can get on the biggest lawauit against the banks in the counrty go to icansuemylender. com or call 1-866-967-9993 to be apart of this lawsuit and sue your lender!!! They can also delay your foreclosure!
ANYSIA000 8 months ago
What this video is say is true. You can get on the biggest lawauit against the banks in the counrty go to icansuemylender. com or call 1-866-967-9993 to be apart of this lawsuit and sue your lender!!!
ANYSIA000 8 months ago
Ocwen is a predatory lender - it held onto an insurance dispersement check for over three months forcing me into the foreclosure loop; last year it forced flood insurance for 3000. annually (State Farm says 800. should be the max for my house...even tho an elevation survey proves not needing this, etc) in Florida
ConsistentlyBe 11 months ago
Useful information. I think there should be a LOT more of this kind of thing available to people who make an effort to do the right thing, but suffer a loss and then suffer further at the hands of careless, or incompetent financial institutions, lawyers, judges and so on.
Thanks
originalfizixx 1 year ago
Information very clearly conveyed.
bankruptcyinfo 2 years ago