Stop Paying Your Mortgage! CEPersVid-2

[LegalAdviceAid]

Great tips from all of you guys! Thanks for sharing!

[cdimmm]

the entire "loan" is fraud. The bank NEVER lent you anything. A modification will only get your autograph on a piece of paper which the banks will even make more. Use contract law only when you take them to court and 99% of the time (without an attorney) you will win. Google "where does the fraud begin"

[occupytheworld22]

OCCUPY WALL STREET

[occupytheworld22]

OCCUPY WALL STREET

[Impeachthecriminals5]

Might be a good idea to put a link to your company below the video, thanks.

[slimsxyblkwoman]

I have a cousin who found out about this after being about 4 months behind in his mortgage payments. Over a period of nearly ten months, he sent 4 green receipt notorized and certified letters, asking his alleged lender to show proof of a binding original note. When they finally wrote back addressing his request, they sent some letter saying that he has to not only make a fee to see it but he will have to be taken to another location, once he makes a trip out of town to see the documents-a mess!

[urbanecondetroit]

Take a look at the YouTube video-- Mortgage Tsunami Two: 2011-2013

An animated presentation of the current ARM problem

[liam13coins]

Ahhh now I understand. Your out to make a quick buck off of the masses misery. How are you better than the banks?

[liam13coins]

I'm impressed someone this old has even heard of youtube.

[Impeachthecriminals5]

@liam13coins You're not exactly Adonis.. lol

[bhudamonk]

does this apply in the uk?

[yeshualovesu2]

I absolutely agree with the Mr. Person. We need to use the laws wisely in our favor to defend and if necessary fight the dog gone banksters! They are using our tax dollar bail out money to foreclose on us!

[OrganicDrew]

problem 1) anyone who is having problems with a foreclosure is having that problem because they engaged in commerce, stay out of commerce and you wont have that problem, STOP USING FEDERAL RESERVE NOTES PEOPLE!

[slimemuffen]

FYI: This is a communist movement that is attempting to bankrupt our country.  It was on the news.

[ANYSIA000]

If your being abused by the banks visit this website to save your home (icansuemylender . com) the reason the website name is separated youtube wont let you post websites as comments. Please look at this if you want to save your home. IT SAVED MINE!!

[MACKATTACK1970]

Stop paying your credit card bills also. Take into consideration what your minimum payment is and calculate how long it will take to pay off your balance and you will realize that you will be paying many times over what the initial amount is.

......

Stop paying and you can always save that money or get yourself a credit card from

Walmart or other companies that allows you to use your own money as your credit line.

.....

The banksters are not your friend, STOP ALL PAYMENTS TO THESE CROOKS!

[younitehumanity]

The "Borrower" never got a loan...they got a house. At the closing table thare was a currency exchange...a signed promissory note for a house. Deal is done and paid for. If they try to foreclose, take them to Court then tell them that they can have the House including everything the house produced (appreciation, Improvements etc...) in exchange for the Note and everything it produced. Watch what then happens...1000's of people have been keeping their homes this way.

[MrRiceowlex]

@younitehumanity THANK YOU SOMEONE WHO UNDERSTANDS WHAT THE HELL THEY'RE DOING.

If you people ever take a bank into court and demand to see a promissory the attorney with the promissory will walk into court under guard. One or two armed guards. Promissory's are currency, the FED has publicized this forever and you find it in UCC Statute in all fifty states. WAKE UP ALREADY DAMN!

[Eraser7622]

@younitehumanity

Thank you for putting it so clearly... do you have personal experience of this working? Is there a name for this defense other than "show me the note defense"? :)

[younitehumanity]

@Eraser7622 Google "Dessie Andrews" from TX. She has mastered this and helped many, many people.

[mlmr11]

@younitehumanity What if it was a refinance ?

[VideoGuyNC]

As much as I agree with certain things you say in your video - The banks are entirely the problem. They use homes to own people. Stop worrying about your home "performing" for the bank. Make your home a HOME.

[PunkysDilema1970]

this is NOT Russia. . . you have the right to live on the street

[HousingAssist]

Please take the time and look at if you are interested in learning more about short sales.

[shortsale1000]

Stop Paying Your Mortgage!

CARL PERSON IS A VERY SMART GUY, SPOKE TO HIM SEVERAL MONTHS AGO HIS IDEAS ARE REVOLUTIONARY, AND HAS EXTENSIVE KNOWLEDGE OF THE LAW.....................WE AGREE WITH HIM.............

MORTGAGE REFINANCE NEEDS

STOP FORECLOSURE FIGHT THE BANK

1-800-270-2928

[justaman6972]

Carl ,what about accepting for value the default notice upon proof of claims that the bank has the original contract signed by both parties,not on sold to 3rd party,copy of orininal bank assay showing incurred loss,an invoice,not statement for money owed/owing by full christian named entity, not corporate fiction,proof of claim that there's any lawful money in circulation for public/private use? Is this effective?

[immafreemann]

Thank you for posting this. I have a different solution, see it at scibd(dot)com/AndyJackson for documents to file or maybe this is similiar to this method advised here. I hope everyone realizes the true nature of Banking. Carl is right, failure to dissagree is to agree. when you are told you owe the bank money challenge them to prove it, prove they have the Note, etc. An unrebutted affidavit stands as truth. Your letters have power. Do administrative remedy measures and don't go to court

[immafreemann]

Thank you for posting this. I have a different solution, see it at scibd(dot)com/AndyJackson for documents to file or maybe this is similiar to this method advised here. I hope everyone realizes the true nature of Banking.

[MrJonLedin]

Dear Carl,

I want to thank you so much for being a lawyer who is willing to help people in foreclosure.

I won my case without an attorney and I am so glad to see you doing this representation in mortgage foreclosures

Let me know what you think of my video

and make a comment on it, type in,

"Win In Foreclosure"

and look for MrJonLedin

Thanks

Jon Ledin

[WannaTalkMoney]

Very Good Info!

[citizenactivist]

As a 20 year licensed loan agent in California who has helped many people save their properties, at least for a year or two, or more if they actually followed my advice. I feel this attorney is spot on. Stop paying your mortgage now. Hire a good attorney instead and hunker down for a fight. You really want to save your home..fight for it.

[ComericaCrummyBank]

what can you do if a commercial bank loan calls your loan if you have never never late like comerica did to me

[mlinkenauger]

First off, his ideas are not that bad, as somebody who is an expert at this sort of thing. To ethjohns - Why do lenders do loan modifications KNOWING that 90% of the borrowers are in default again within six months??? To bleed every last dime that they can before taking the property back. I agree, if a borrower KNOWS they will be in hardship soon, PLAN AHEAD!

[ethjohns]

LOL!!! This is one of the most ridiculous things I've ever watched! People like this douche are the reason for the foreclosure crisis in the first place. You have an ethical obligation to repay money you borrowed. "Stop paying even if you have money"???? WTF??

[garyomglol]

@ethjohns

Try this scenario. You bought a house 3 years ago for $ 500k. You put down $ 200k. Today your same house across your street sold for $ 175k. You still OWE $ 300k on your house. Would you STILL make your payment?..knowing you LOST your entire life savings of the down payment and still underwater $ 125k? Who is to be blamed? The Bank should take at least half the blame...for lending out money to people with zero money down, and no credit..driving up prices in the first place.

[se7ensnakes]

everyone and i mean everyone here interested in this topic need to see the you tube video "aly v First National Bank of Montgomery". Notice how the higher courts protect the bankers's scam!

[wayneo169]

I live in CT, I recently had emergency major surgery with a 10 month receovery process. I immediately contacted my bank in writing requesting a 4 to 5 month loan deferment & papers were sent to me but it took 5 months to get them, my employer of 3 + years filed bankruptcy while in hospital & fail to pay social security & other benefits & taxes, bank changes their mind on deferment places me in loss midigation, informing me I'm now 3 months in rears facing foreclosure any good attorney in CT ?

[coscopjen]

Contact an attorney in YOUR STATE regarding foreclosure laws.

Some banks will not help you until you stop making your payment. Get to the loss mitigation department of your mortgage company.

Join the group on Facebook: Homeowners Help Each other with Loan Modifications

There are many links there to find more information.

[36shalom]

is foreclosure action different in other states? im from san diego, california. if you stop paying your mortgage how bad does your credit become?

[brcmasters]

Trust a lawyer, you must be joking. What do you call 10,000,000 lawyers at the bottom of the ocean. Not good enough!

[moniequa]

This attorney doesn't care about you, he just want to make money of off you. Don't retain a lawyer, you can do it on your own.

[pimpolee]

this lawyer will go to jail

[linhh82]

I agree also stop paying the attorneys as well

[deansusky]

Do not pay and get kicked out

[eldiezmaradona]

if you stop paying your m ortgage then ill stop paying rent!

landlords are pocketing our money (renters) this is wrong! you greedy dirtbags! stop paying rent to selfish landlords!

[moniequa]

I hope you're being sarcastic, if you stop paying rent your ass will be on the street.

[clarkewi]

I am a landlord, have been for over 20 years with lots and lots of people paying me rent like they are sleep walking. I have always wondered what would happen if people en mass just took a "rent holiday"? kind of like these "Bank Holidays" they are talking about. I mean really, if enough people did it, there is nothing us landlords could do. But please don't do that. Just keeping paying and pouring your money down a rat hole so that I can have it.. I mean, haven't I earned it? (suckers...)

[918yourass]

Remember, we also gave the banks billions in aid. You the landlord would not be bailed out if folks stopped paying you. Can't really compare the two.....

[bankruptcyinfo]

Keep in mind that loan modifications MAY be available if you are NOT behind on your mortgage. Many people, including the lenders themselves are not aware of this.

[bankruptcyinfo]

Great point. Glad that you took the time to let people know this.

I am a Realtor and prior lender. What he is saying makes sense.

[Subnbellle]

if you haven't seen the inequity in banking, ie credit cards, mortgages, etc., then you haven't been awake. i'm taking the fucksticks for every dime i can. i didn't agree to refried pieces of shit coming into my country illegally, taking g'ment grants to open businesses with no citizenship, credit, education, common sense, or identification & can't speak our language after 18 years? tie 3 innertubes together and ship'em back across the rio fuckin' grande, sink'r swim. nobody got MY vote!

[tebislu]

I have not met or heard of anyone that has been helped. I have heard stories but it is just like a chain that continues ans never stops, so you never get to see that person that was helped and i need help with my house

[whitu4ever]

Sure, let the lawyer-person have your money instead of the bank that loaned it to you. NOT! Where is your conscience, Mr. Person?

[buzzz1213]

I do not understand why banks don't take ownership & lease the propery to the former homeowner for 20-30 years at an agreed upon rent.

I believe they have been doing this Europe for many years.

[hydrocannon123]

hi person

[askmeif]

Stop paying and defend timely and vigoursly.  This reminds me of an arms dealer who encourages his clients to fight.

[videolover61]

Pray first. Then go to your mortgage company with a contrite heart, say you lost your job, and a reduction would help alot...that I think might work!

[warp13]

I look at this as a gamble and a pretty big one at that. Firstly the homeowner has limited funds, the lender doesn't. How does this work with the Help for Home Owners plan? Isn't that a form of working with the bank to debt restructure? What about forbearance?

[Sgipon]

good vid..

[iceman5815]

As frivolous as this sounds it's true. Why pay for a house that isn't worth the market value? Ur just throwing money away...Good video

[carlpers2]

You should look at my video about Getting the Hidden Equity Out of Your Home when the property is worth substantially less than the amount you owe. This technique applies in the judicial foreclosure states. Stay as long as you can in the property without paying the mortgage, and use the money to pay off your credit card and for a down payment when buying someone else's problem at auction, to move into more affordable housing in which you would have an equity.

[dave2005staffing]

I'll take a look at your website. We are in that situation in California. Tough times. Thanks for the video.

[ethjohns]

It's because of people like you that we're in this foreclosure crisis in the first place. You have an ethical obligation to repay money you borrowed. The only thing you got right is that "it's no longer a financial sin to have a foreclosure". Hmm, why do you think that is Mr. Lawer man? Go get a respectable job!

[videolover61]

Man, it's difficult out there. It might not be for you, but it is for millions of Americans. People who want to work but cant find a job. If a persons back is up against the wall, not paying the mortgage makes since...I dont believe in going down with the ship if its not nessesary. What for those crooks? For the guys who made this problem?...no way...

[1stardancer]

@ethjohns So you bought a home in Las Vegas in August 2006 for $181,500 and your mortgage is $165K. Now the home is worth $39,900. So you'd keep paying it? Screw ethics. Businesses would get rid of this toxic "asset" but regular people shouldn't?

[PeterJ2ndmiri]

WE need population co-operation.

Everyone should stop paying all of their bills except for local merchants. Withdraw all money from the banks and use cash only to make local purchases from local small business'. Don't fly or drive unless absolutely neccessary.If only 25% of the population does this not only won't they get money they'll be inundated with billing and frazzled by loss of revenue. If others see the effect and as word travels the effect on the rich will be catastrophic .

[PeterJ2ndmiri]

WE need population co-operation.

Everyone should stop paying all of their bills except for local merchants. Withdraw all money from the banks and use cash only to make local purchases from local small business'. Don't fly or drive unless absolutely neccessary.If only 25% of the population does this not only won't they get money they'll be inundated with billing and frazzled by loss of revenue. If others see the effect and as word travels the effect on the rich will be catastrophic.

[yeshualovesu2]

@PeterJ2ndmiri @PeterJ2ndmiri I agree we need a mass strike. Many in the rest of the world are already doing this because they have no other choice. Lyndon Larouche speaks about the mass strike check it out if you get a chance. Ever wonder why it's ok for Donald Trump to use strategies like this and it's ok but if the poor guy does it he's a bum?

[msmelancholy1]

@PeterJ2ndmiri I agree totally. The people of the world have tremendous power and we don't even know it. If everyone stopped paying the banks on these mortgages based on fraud and scamming and stopped paying the bank owned credit cards, we could these banks to their knees. They live off of us. They are parasites and they need to be starved to DEATH.

[StSimonMartyr]

DO NOT Walk Away-FIGHT!

File a Quiet Title / Lis PENDENs on your home...they dont own your note, it was securitized & sold. They service the note, that is all!

They are Committing Fraud in Court.

Demand an Evidentiary hearing, do not comment, unless evidence is entered, via reporter

In Discovery Demand TITLE, WET Note-must be a perfection of Chain of title and that blank assignments are Not acceptable."

[AceOfHeart2012]

@StSimonMartyr Did all that. The still sent a 30 man SWAT Team and took it at gunpoint headed up by LA CROSSE COUNTY WISCONSIN SHERIFF STEVE HELGESON.

Oh. THERE IS NO LOAN. The credit comes from your signature on the promissory note. The bank can never show a loss. Remember: Attorneys are agents of the court. They don't give a shit about you. THeir allegiance is to the banc. I mean bench. I mean bank...

[StSimonMartyr]

Then you must file an Injunction with the court.

An Injunction or Temporary Restraining Order= Motion filed with the court asking for the sale to be stopped. An Injunction should be filed as soon as U discover that you may have a legal case that could justify why the sale should not go forward.

The court may require you to file a Motion for a Permanent Injunction.

Injunctions require a hearing to argue reasons for halting.

Now U must File An Exception To the FC Sale or Sue Judge & Court

[AceOfHeart2012]

@StSimonMartyr OK. But the burden of proof is on the party bringing the claim. Show me MY wet ink signature note. Not a copy. Not SEVEN copies. The actual note with MY DNA on it. That's all that need be done and the onus is on the plaintiff. An honest judge wouldn't require all that hoop jumping. Just ask the bank: "Is there a contract and if so, present it." Simple. And don't talk to me about procedure. Procedure is designed to frustrate those of us who DIDN"T attend liar...

[AceOfHeart2012]

@StSimonMartyr ...(I mean lawyer) school. It's simple. Before a bank is allowed to file a foreclosure, they must physically have and hold the wet ink signature note and make it available for examination, show where a loan was made in the first place, and show a loss. Short of these basic requirements, any judge who allows a foreclosure to proceed that will ultimately result in a family being put out into the elements is clearly a crime against humanity. For those judges who do. The rope!

[StSimonMartyr]

Rope is fine with me.

Before that though, take everything he owns.

Sue the judge personally. Report him to the Bar for violations. Sue the attorney prosecuting your case for the Bankster Liars.

Its time to FIGHT and take America back. Suing banks and judges is one such avenue.

[AceOfHeart2012]

@StSimonMartyr I no longer have a shred of faith in THEIR system. You can spend all the time and money you want filing a lwasuit but all the recalcitrant judge has to do is rule that your suit is frivolous and there you are with your dick in your hand. Honestly? I don't know what it's going to take. I know one thing for absolutely sure however' the solution is not going to come from within the system. The only thing I can imagine that might get some traction is a class action lawsuit filed...

[AceOfHeart2012]

...by a team of lawyers with a spine on behalf of the people (a class) who have been foreclosed on retroactive to June 5, 1933. I did EVERYTHING right in court that should have gotten my foreclosure dismissed. Namely, invoking Trinsy v Pagliaro. I silenced the plaintiff's attorney. Without representation, the plaintiff cannot proceed. Case dismissed. Not when you have Dale T. Pasell as your judge though. He took over the prosecution and ruled Summary Judgement for the bank. Fuck 'em all.

[StSimonMartyr]

You have defenses.

Listen to tapes of Donna Baran on RBN-free and online. She fought them for Years.

You only comment on questions, once all documentation is entered into evidence ie evidentiary hearing.

If you subpoena title papers it states PAID IN FULL.

Banks have no ownership-they are all securitized and sold off to trusts, banks simply service them.

Proving this in court is an art.

You need to sue your judge and report him to the bar. Go after him, make him pay.

[AceOfHeart2012]

@StSimonMartyr I'd love to. I was totally railroaded. Even the court reporters are in on it. I have my transcript and it's totally different than what really happened.

[StSimonMartyr]

You got recourse, bro. And with that attitude, you will get it done.

All that is stopping you, is you. Dont give up, never relent. This is for your freedom and mine. Make them fear you, become their enemy, they are your adversary and always have been.

All of them must be sued, disbarred or put in prison and the train has left the station, the tide is slowly turning.

Your title is clouded, your note securitized, your 'trial hearing' a kangaroo mock court sham.

[chris532008]

@AceOfHeart2012 that s why they prohibit a recorder when they do a deposition, but the trick is to bring a larger one to get them to object and confiscate off to the side and have the smaller mp3 recorder as in a shirt pocket running to claim the meeting, then use it against them, then file a complaint with the human rights commission for violation of human rights, just to help shake things up

[creditliberation]

stop paying mortgage? are you kidding me? they'll kick you out and your credit will be ruined

[carlpers2]

I assume that you won't be able to pay the mortgage in a few months, and then reason that you are heading for a bad credit rating anyway. I consider what to do about the situation. A business would reduce its expenses, and I suggest that you stop paying your mortgage to reduce your expenses. This will give you enough money to defend the foreclosure which is going to hit you at some point, and your defense may result in a modification agreement, instead of a default judgment of foreclosure.

[buttascotchbro1]

@carlpers2 THIS IS TRUE AND IT'S THE SAME THING THAT I DID..THE FILLED BK

[videolover61]

Good info...My last name is "Person " also...I might be giving you a call soon...thanks.