Tag Archives: 99 Homes

FORECLOSURE “JUSTICE”? … A DAY OF RECKONING

(BREAKING NEWS, OP-ED) — The author of this post disseminates this dynamic diatribe to appease your appendages appropriately.  None of this is legal advice, only a mix of education and opinions, with some rather unique illustrations of our ever-changing system of things. 

The lack of trust in America’s justice system … 

Anyone who has kept a pulse on the tide of foreclosures that swept through America between 2009 and 2015 can easily understand where the mindset the author is about to describe is coming from.  Sadly, if you’ve ever been to a “rocket docket” in Miami-Dade County, Florida, you know exactly WHY folks have little faith in the justice system.  This author saw an entire courtroom of whining and sobbing homeowners eliminated from their properties, some getting less than a minute for their case to be heard before the gavel hit the judge’s bench.  For centuries, the gavel has represented a proclamation of a ruling and a symbol of authority by one acting in the capacity of a presiding officer.

It’s a sad state of affairs however, when a homeowner is just days away from being tossed out of their home by the sheriff and they’re in court, in front of one of these “presiding officers” without a clue as to how to defend themselves, grumbling and complaining to others about how they didn’t get “justice” because the judge wouldn’t listen.  Watching all of this “go down”, the author surmises that most of these folks were scared shitless because they’ve never been to court, some never got so much as a traffic ticket, yet they all had one thing in common … they had access to the justice system but just didn’t know HOW TO play in it.

Thus, since Americans these days are so quick to blame each other for their country’s problems, so much so they have to take to blows over a fecking parking space …

… and this author can point a finger at the efforts of the American news media (of which he unfortunately is still a member) to confuse the consuming public to carry on this type of behavior.  These two women attacked each other in a Houston Wal-Mart parking lot over who was going to get a parking space, assumedly closer to the entrance of the store.  Because Wal-Mart carries mostly Chinese-made products, the author no longer shops there.  Another reason is because the kind of tempers you see flaring here are more than likely to happen in discount shopping areas where people with little to no money that are simply trying to survive have and continue to lose all control of their emotions with even the slightest provocation.  And this same flow of emotions has sparked all-out riots in several American cities, where buildings have been burned to the ground and officers have been attacked and even killed, all because of the lack of trust in the justice system, which begins with police officers who are attempting to enforce the law.  (… and you were wondering where the author was going with this?)   If you need more of a wake-up call, WATCH THIS!

The author still tears up when he watches this … because it’s real … and it’s based on the perception of unfairness.  This perception has swept across America. This perception has negatively bled into the justice system because Americans are distraught with the idea that “fairness” even exists.  This perception didn’t start with the George Floyds of America either.  It began when people stopped paying attention to learning what the law is and instead simply focusing on their own individual comfort zones.

Oppression comes in many forms … 

These days, when police pull someone over, whether they possess even one racist thought in their brain or not, they’re being stereotyped because of perception that: (1) all cops are bad including the cop who pulled you over; and (2) it’s okay to pop a cop.  That’s an eye for an eye mentality and that’s part of the perception of what “justice” is nowadays.  But the reality is, the cops are just doing their job and enforcing the law.  Albeit, a lot of pre-screening and personality testing needs to go into who gets accepted into police academies to ensure that racist profiling is minimized based on negative stereotypical perceptions that have bled into the mainstream.  However, on the back end of the equation, when you have minorities teaching their kids not to trust cops because they’re all bad, all white cops hate black people and that cops are society’s forms of oppression, you’ve set the stage for national calamity.  This is why cops are now wearing body cameras, to protect you from unfairness and to protect them from unforeseen and unintended consequences that result from negative stereotypical behaviors.  Black people are not the only race to be harassed by cops, yet the perception tends to sway in their favor, regardless of the statistical data that there is ten times more black-on-white crime than white-on-black crime.  Again, this is the stereotypical perception that has caused a major societal upheaval.  None of this will change until people start understanding HOW the justice system works and that people of every race, creed and color have access to their day in court.  It all starts with understanding the laws that govern the behavior of America’s court systems and those who enforce the law.

When protests turn into riots, just the opposite is true.  The herd mentality turns into the mob mentality and that’s where anarchy begins.  Anarchists are diametrically opposed to both socialism and capitalism because anarchy is rooted in mob rule and total lawlessness.  That ideology in of itself, is oppressive because it forces those citizens who are peaceful and God-fearing to have to defend themselves if they want to survive.

The Black Lives Matter movement began in 2013 with the Trayvon Martin killing by George Zimmerman, who was acquitted because a Florida jury was convinced he was defending himself and used justifiable force to stop Martin’s attack on his person.  This is part of the Stand Your Ground law in Florida that many folks just don’t get because it leaves doors open for abuse.  This is why juries have to decide what the intent was of the person committing the assault and the intent of the person defending against the assault.  If the circumstances were indeed as Zimmerman portrayed them, what was he supposed to have done?  Let Martin beat him to death?  Would the black community rail against Martin for killing a white man?  Probably not.  And why is that?  Because the oppressed had the opportunity to become the oppressor and that’s allowed, right?  Martin Luther King, Jr. would be turning over in his grave at that thought.

So, we should all support the idea of breaking into stores and looting them of Gucci handbags and other high-dollar items because frankly, the oppressed have to eat, right?  If anyone gets in our way while we’re stealing merchandise, then it’s okay to beat them to a pulp too, right?  This is the mentality that is on display and the media caters to it through its play-by-play, “if it bleeds, it leads” coverage.  The author here is specifically calling out CNN (his acronym for Communist News Network) for its coverage of the various Blue State riots, where anarchy appears to be tolerated.  The question remains, how long will the average, law-abiding Citizen tolerate this before all hell breaks loose and those with arms start exercising lethal force against their oppressors without regard to the justice system and its consequences?

The “justice” that needs undoing …

Then there’s the perception of the “kangaroo court” system in this country, which many deem acts more like a star chamber inquisition, run by a bunch of control freaks who like to play God, exerting their whims over the common man and his property … a system that local sheriff’s kowtow to at the whim of a judge, potentially increasing the exposure to an already volatile liability scenario albeit misplaced due to the illicit deeds of cops who have been corrupted.  This is where the saying, “If you don’t know your rights, you don’t have any” comes to mind, because without the law and its set of rules and mandates, you cannot expect to survive in today’s courts, especially dealing with foreclosures. It’s bad enough that eviction courts are going to be back in full swing when the government finally declares the COVID-19 crisis (which in of itself is questionable) to be “over”, but the tide of foreclosures is starting to shrink back into the water like what happens when a tsunami is about to hit a shoreline.  Right now, folks allegedly in default are attempting to negotiate something with their lenders to stay put while others have capitulated and moved away.

HOW TO STEAL PEOPLE’S HOMES FOR FUN AND PROFIT!

This was a rather brusque statement was sounded out by Austin, Texas foreclosure defense attorney Bill Gammon in a meeting of attorneys that used to get together once a month to discuss case law and issues resulting from the illicit taking of area residents’ homes. Gawd … that’s the one thing this author especially misses about Austin … attending those meetings and discussing research with these learned men and women who have been fighting in the trenches trying to save homes and have had to run into the typical Texas judge’s mindset about who’s entitled to what … “Why should the homeowner get a free house?”  Mr. Gammon was referring to a meeting he attended “on the down low” where attorneys were discussing their methodologies in network fashion as to how to persuade judges to hand over the houses to their clients through by whatever means possible, including dummy paperwork (assignments), which they knew or should have known was criminal to begin with.

Most of the folks who have made the decision to fight the banks are … well … they have at least increased their odds of staying put to 50/50 instead of nothing, simply by “getting in the game”.  This is not to say that they’re wanting a free house.  They just want “justice”.  They want vindication.  They want a judge to realize (as many judges in the Southern District of New York do, especially on the state level) the illicit behaviors regarding the positioning of securitized mortgage loans and what dummy paperwork had to be created in order to make the “other side’s” foreclosure efforts look plausible to the courts.  There doesn’t seem to be much interest by law enforcement to investigate these misdeeds in 99.9% of the country, which is another reason people don’t trust the justice system.  If this bunch of DA’s only knew that most states have government codes that allow them to raise money to investigate white collar crimes, especially those embedded in California’s Government Code … and weren’t so politically motivated to stay in office, they might actually prosecute a few of these dirty paper cases.  The government codes allow counties to raise recording fees to fund “dirty paper law enforcement”. Sixty percent of those increased fees go to law enforcement’s “white collar crime” divisions, so they could do more than just bust NSF check writers, while the rest goes to the Clerk’s office to pay for the increased surveillance of the “dirty paper” (renegade assignments drafted and recorded by the banks’ servicers, with the intent to make a judge believe they’re in the right), so the court will grant them summary judgment.

One of our guest lecturers that is going to be in the Foreclosure Defense 101 Workshop is a Florida notary who has been fighting his foreclosure in the courts for over 12 years.  He’s going to describe the crap he’s had to confront in the Florida courts, including intimidation by court bailiffs, deputies and judges and the bullshit shenanigans the other side’s attorneys pulled on him, in an effort to educate you as to the potential traps contained within “the snake pit”.   If you can turn yourself into a mongoose, you’ll survive and come out ahead, at least to give yourself enough time to execute on a Plan B if all else fails.

The idea is to buy time …

You may be successful in defeating your adversary if you play your cards right.  Another mindset you may want to consider is your equity position and whether it’s worth fighting for.  This is part of your Plan B.  This is one of the reasons why we decided to put the Foreclosure Defense 101 Workshop into a 4-hour block, instead of two or three days, because there’s a lot to digest in 4 hours (let alone an even longer period) … and we’re going to give you the research to deal with this scenario in the online workshop, which you can attend in the privacy of the home you may be about to lose.  We will have more info posted soon on the Clouded Titles website, so you can sign up online and get your own private invitation to learn the tactics attorneys use to keep their clients in their homes for 2 years or more!

It doesn’t matter what happens on November 3rd.  What matters is how YOU survive and how long YOU want to play in the game while YOU execute on your exit strategy, no matter what that might be. This workshop will give you a lot of “necessary answers” and hopefully, the desired results.  Stay tuned!

 

 

 

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LET THE GAMES BEGIN, PART 3

(OP-ED) — This think piece is offered for your perusal and consideration of the things to come when the foreclosure and eviction moratoriums are lifted.  The poster of this blog insists you approach this from a common sense standpoint and do not take the information contained in this post to be the dissemination of legal advice. 

THE BANKS AND BIG CORPORATES WERE BAILED OUT!

And the hits just keep on coming!

Not a day goes by where I’m not researching and trying to tail some article denoting where any or all stimulus packages passed by the U. S. Congress didn’t first go to help out those “too big to fail” FIRST, then, if there was anything left over, “we got the crumbs from the Master’s table.”  Doesn’t that idea just infuriate you just a little bit?

Many of you are struggling financially worse than at any other time in your lives.  The bigger picture here is that with companies like J. C. Penney (an anchor tenant at most major shopping malls) filing for Chapter 11 bankruptcy and Pier 1 Imports announcing closure of all of its stores, post-liquidation, exacerbated by the conditions imposed by a national calamity (the corona-crisis), Darwinism applies to more than just residential foreclosures.  Victoria’s Secret has also filed for Chapter 11 protection as did mall retailer J. Crew.  Upscale shopping conglomerates Nieman Marcus and Sak’s Fifth Avenue are also in talks with creditors trying to head off the inevitable.  Sears and Dress Barn have already bitten the dust.  Macy’s is struggling but at this juncture is reportedly going to close more stores in order to be able to survive.

If you’ve been to a shopping mall lately, you’ll notice the absence of car and pedestrian traffic.  Online shopping stepped in and took over the slump created by the corona-crisis.  This would make me wonder if all of this was by design, to alter the way we think and behave.  I mean seriously, you can’t go into any store without someone at the counter either avoiding you altogether or insisting you put a mask on.  Wearing a face mask is another form of “conditioning” that is going to have negative side effects besides the starvation of oxygen to the brain (hypoxia) over time and extended mask use.  If you’re healthy, I ask you, what germs do you have the potential of spreading?  If you’re not healthy, why are you even leaving your house to go mingle in public places?  As businesses fold up, you’ll be doing all of your shopping online (even grocery shopping).  This is a condition that I’m afraid is going to affect everyone’s futures because now “they” (the merchants of the earth and Big Brother) will be able to specifically track everything you’ve purchased, when you purchased it, how frequently you purchased it and with what mechanism (credit or debit card) you purchased it.  “They” will know all of your spending habits.  Cash will be unnecessary.

THE CASHLESS SOCIETY MAY BE CLOSER THAN YOU THINK!

This is where the average human brain starts fighting back.  It is very difficult to accept the idea that we can live without “cash” (M1 currency).  “They” have been using the corona-crisis to “scare” everyone into the “conditioned habit” of online shopping and home delivery.  Even gasoline purchases by the delivery drivers are either going to be through a company account or credit card!

Simple test … think about all of the purchases you’ve made in the past 90 days.  How many of them were made with M1 (cash and coins)?  How many of these purchases (or payments) did you complete using M2 (checking account check)?   And lastly, how easy was it to pull your debit or credit card (M3) out of your wallet and swipe it, even for groceries?  This should tell you where your brain’s “condition” is either at or is headed in terms of what “they” intend to accomplish in today’s society.

Many folks I know are cleaning out their bank accounts and closing them.  At this juncture, this may prove very unproductive.  Complete disconnect from the mainstream mindset is only afforded to few well-prepared individuals out there in the hinterland and those individuals still have to rely on the use of a medium of exchange (besides barter) in order to survive.  Unless you’re totally off the grid and can trade with someone who will pay the required taxes and insurance on your residence and make your mortgage payments for you (which I don’t see as an option here), “they” are going to insist you comply with the “conditioned” parameters (options) “they” want you to use.  I mean seriously … what if the government suddenly demanded that everyone turn all of the federal reserve notes in because as of a certain point in time, they would be considered “worthless”, of no value even to barter or underground economic gain and replaced it with modes of exchange where only a government-instituted bank account would be required (for each person with a social security number or TIN).

This is where the “chip” eventually comes in.

A “CHIP” IN TIME SAVES NINE!

“I WANT YOU TO TAKE THE CHIP!”

Don’t let the folly of their arrogance (“they”, the system) fool you.  Mass RFID chip implantation is planned for execution during our lifetimes. I posted an article in my last blog where legislation is being proposed in Arkansas regarding the chipping of employees for use in eliminating “time-wasting” inconveniences, like swiping a key card in order to access restricted areas by employees whose companies insist they be chipped. At least a hundred people I know have said, “No way I’m going to let them stick a chip in me!”  Some have said, “I’ll fool the RFID chip and wear a metal glove to block tracking of my whereabouts.”  It is amazing how our retaliatory brains are thinking about ways to defeat things that aren’t in our present day yet.  If you research these RFID chip manufacturing plants around the U.S. alone, you’ll be quite shocked as to how far their “progress” has actually manifested itself in the present day.  This will more than likely push your brain into overdrive as “panic” behaviors attempt to push your internal brainwaves into a state of total denial.

“It can’t happen here.” (your conscious mind wants to believe) …  Well … yes, it can.  And it is.

Nearly a fourth of U.S. States are doing something to enforce regulation on the implantation of RFID Chips!

And those who “drank the Kool-Aid” will be the first to line up to get chipped, for a variety of not-so-complex reasons (like “I love Big Brother” and “I want the government to take care of me”).  When MAD® Magazine came out with the phrase, “What, Me Worry!” there was a reason for that.  Start reasoning the differences between the use of a chip and electronic ink because that’s the alternative if you refuse to be chipped.  You can run but you can’t hide.  Doesn’t this just scare you privacy advocates just a little bit?  You can stop this with your votes.  You can stop the madness by calling your state and federal congresspeople and insisting they pass legislation similar to Arkansas or even more stringent, to keep chipping from even becoming an “option”.

I love it when people say “I’ve got nothing to hide!”  It’s like the same people who wear masks while driving.  Outta the gene pool with you!  Reflect back when the CDC didn’t want people wearing masks unless they were sick.  One rationale was that it would be easier to identify those that were sick because they wore a mask.  Then, the CDC did an about face and started ordering everyone to wear a mask, because the hierarchy then reasoned that the principal of wearing a mask was to protect others from your germs.  Once a mask gets “moisturized” (fluids bleed through) however, the vapor is pushed out into the air as you exhale.  So, what good does it do to get to “herd immunity” if everyone’s wearing a mask … especially while driving (Gawd! What a dumbass!)  Have you seen people wearing masks while driving?  Do me a favor, honk at them and flip them off for me!  This is Darwinism at its finest folks … and these retards will be the first ones to take the chip … and the vaccine … all in the name of helping out Fauci, the CDC (who has a patent on coronavirus) and Big Pharma!

UPDATE AS OF MAY 23, 2020 … My co-host on City Spotlight – Special Edition (WKDW-FM, 97,5, North Port, FL) has made me aware of at least 2 accidents where drivers wearing masks while driving passed out, causing accidents as a result of oxygen deprivation.  Again … what dumbasses!  They’ll all die trying to get at the Kool-Aid just because the government tells them to do something because they can’t think for themselves!  I’m not sure who is more stupid … the drivers wearing the masks or the government officials telling them they have to wear a mask in the first place! 

BIOLOGICAL WARFARE AND FINGER POINTING … 

As I’ve identified it through my research (you do your own if you have any doubts), the National Institutes of Health (directed by Dr. Anthony Fauci); the Centers for Disease Control (who has a patent on coronaviruses, which the U.S. Supreme Court says you can’t do); and the Wuhan Institute of Virology … ALL had control over the virus (COVID-19) before, during and after the entire pandemic was announced.

I was in the military during the Vietnam War.  I took an oath, based on my swearing to defend the Constitution of the United States, to protect my country from all enemies, both foreign and domestic.  I don’t know about you, but if you’re going to point fingers, look at this pandemic as “political” in nature because it does indeed involve a biologic weapon.  It’s an undeniable fact that COVID-19 spread all over the world.  The virus has succeeded in eliminating portions of the populations in over 119 countries worldwide.  The World Health Organization waited two weeks after it found out about the release of the virus before it did anything; thus, making WHO a co-conspirator in the entire scenario.  Then you have CDC officials saying we need to “get rid of the whites” because they refuse to take the vaccine.  In other words, because certain individuals have the capability of recognizing a threat when it’s staring them in the face … and know that they have the right to say HELL NO to a vaccine, we must find some other way to exterminate them.  You know who all the players are.  These are the individuals and groups responsible for this virus’s creation and whether the release was accidental or deliberate, it’s still biological warfare … and these are the people with their fingers on the triggers.

This is nothing more than a power grab to take complete control of our minds, our behaviors … the way we think, feel and act … and our society, whether it’s Agenda 21, NWO, whatever.  It’s politics … and you can thank Washington for that.  BOTH political parties are also indirectly responsible; however, most folks are still trying to ascertain who knew what and when they knew it, so it’s hard to blame anyone in Congress … yet … but trust me, there will be blame to go around at election time, which is what the politicians are counting on … especially those who want to instill socialism in this country.

HOW WE STOP THE FOREGOING MADNESS: PUBLIC BANKING

This is an option being promulgated by the Public Banking Institute.  If you look at the successes being enjoyed by the Bank of North Dakota, you’ll realize the difference that having a public bank can make, especially when it’s being run under very strict fiscal policies by the state government itself.

There have been many who have expressed concerns about having large chunks of money (M1 or M2) deposited in the megabucks, who might be tempted to take it all away from you in the name of self-preservation during this pandemic or in future pandemics to come.  I only personally recommend leaving enough in to pay your monthly bills and to keep whatever large reserves you might have in a safer place.

I’ve also gotten into discussions with financial advisers over WHERE to put reserves and they’re telling me that airline stocks (or any stock that has a chance of being bailed out by the government) are probably safer bets on where to hedge cash.  Just not in hedge funds.  These accounts are already over-extended and rehypothecated and thus, are at higher risk of collapse.  Please read the following posts for more information:

Another Bank Bailout Under Cover of a Virus – CounterPunch.org

Crushing the States, Saving the Banks: The Fed’s Generous New Rules | WEB OF DEBT BLOG

Now imagine having a government-instituted bank account that is connected to your RFID chip.  Anytime you make a purchase, you swipe your hand over the scanner and voila! … the amount you just spent is deducted from your account as a debit entry and placed into some business’s account as a credit entry.

Now imagine combining a nano-chip with a numbered vaccine, so you can be tracked anywhere you go (if you survive the vaccine).  Part of this “plan” is population control over those that the “agenda” wasn’t able to exterminate.

Public banking would not tolerate this, which is one of the reasons I brought it up.  If you’re not aware of public banking, you need to familiarize yourself with it, because some of it is rather socialistic in nature, but offers more stability in the long run.  Bank runs will be negligent if public banking is instituted.

THE NEXT MASSIVE LAND GRAB …

I conclude this post with fair warning.  Most of you are probably already aware that the clock is ticking closer to the state and federally-imposed moratoriums coming to an end, wherein the banks can capitalize on the REO markets and wager the home repos in a whole new line of securitization and continue to gamble with investor funds rehypothecating what has been sold back to the secondary markets as “used fish” chopped up into another CDO.  So now we have fish stew (referring to the Chef Anthony Bourdain clip in the movie The Big Short).

When the moratoriums are lifted, the following happens: BAM!

Now you can blame Congress … because we can all see what’s coming … was under their control in the first place!

Don’t say we didn’t tell you … 2008 is going to happen.  Start making PLAN B!

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FIVE REASONS NOT TO AVOID SERVICE OF PROCESS!

(OP-ED) —

I just received an email from a homeowner which stated that he “refused” service of process.

I flew into a fit of rage.  It took me 10 minutes just to calm down before answering his actions.

By nature, we have a tendency to avoid conflict.  We don’t like confrontation.  A process server coming to your door, at any hour of the day or night, means that a confrontation is about to occur which is at best unsettling, causing conflict in your life.  In the case of a married couple, you can expect that once a process server delivers their spate of bad news, you can bet that there will be immediate strife in the household.  Tempers flare.  Blood pressure goes up. Insomnia due to worry sets in.  For all practical purposes, emotion rules.  Common sense goes right out the window.  So, naturally, our tendency is to avoid service.  I believe this is wrong (and so do many attorneys I’ve talked to).  So I’ve put together a list of 5 brief reasons why NOT to avoid (or in the alternative) refuse service of process.

REASON #1: You won’t know who your enemies are! 

You’ve heard the old saying, “Keep your friends close and your enemies closer.”  This saying came about for a reason, especially in the legal profession.

When you don’t understand WHO is coming after you, you won’t know how to establish an “End Game Strategy” to beat down the action being taken against you.

REASON #2: You won’t know why your enemies (whoever they may be) are coming after you! 

If homeowners (as Borrowers on a Note) haven’t been able to make their mortgage payments, chances are likely they’ll figure out why a process server is attempting service of process … because the bank (or servicer) wants their money and they are tired of waiting.  On occasion, a servicer will send out notices (in the form of door hangers) through their local contacts, tipping off homeowners that service of process for a lawsuit (or non-judicial foreclosure sale) is likely imminent.  If you have more than one property, you definitely won’t know which property is being affected because you’re “not in the loop”.

REASON #3: You won’t have a legal “foot in the door!” 

One of the first ways foreclosure defense attorneys can defeat a case is to make the other side do its job properly. On many an occasion, a servicer has hired a process server to serve process and it was done improperly for whatever reason (tacking a note up on the door, which later blew away; false attestation, etc.) and thus, attacking service of process is the first line of defense in making the entire foreclosure process have to be refiled again.  Homeowners (as Borrowers) do not understand this principle because they’d rather “play ostrich” and stick their heads in the sand.  Remember, avoid conflict at all costs, unless it proves to be fatal.  In many states, refusing service when confronted can also mean service was accepted.  Judges don’t like it when the party being served deliberately says “NO” to process, because it’s their right to know what they’re being accused of doing (or not doing).  Judges have also been told to clear their dockets of issues like this, which is a precursor to a default judgment being issued against you.  It’s one thing NOT to be home when the process server calls, it’s quite another to refuse service when it could be something financially critical to your future well-being (and that of your family).

REASON #4: You have no idea how to strategize a defense to the service, let alone anything else! 

Many foreclosure defense attorneys understand that attacking improper service of process only frustrates the foreclosure process and doesn’t stop it altogether.  However, understand that if the other side is going to bring a claim against you, don’t you think they need to follow the letter of the law?  After all, this likely involves dispossessing you of your property and if they don’t do something as simple as to properly serve you with the paperwork, how do you know if everything else they’ve done is right too?

REASON #5: Time is of the essence! 

No matter what the outcome of service, time is working against you the longer you wait to accept service.  I’ve known at least one person that has deliberately made himself scarce when he knows a process server is attempting to serve him with papers.  He thinks that by avoiding service, he’s going to be able to delay his day in court.  Unfortunately, after a time of trying to serve a party at their residence, the process server will contact the attorney handling the opposition’s case and make mention of the facts (that you’re either avoiding or refusing service) at hand and the attorney may then request from the judge to allow for substituted service (meaning someone else close to you can be served in your stead), which makes you an open target for service at your place of employment or through a relative who lives nearest to you.

Once service has been completed, you have a timetable in place.  In judicial states (mortgage states) you have 20 to 30 days to respond to the complaint. If you don’t, a default judgment can be entered against you and the foreclosure will be commenced against the property without your knowledge and probably at a time most inconvenient to you (or your loved ones).  The last thing I’d want to see is someone being kicked to the curb.  See below (from the film 99 Homes): 

The setting of a timetable forces you to have to act to stop whatever is coming after you.  For the average homeowner, this means spending money you don’t have hiring an attorney to draft and file and answer to the Complaint.  The average homeowner should also understand that many attorneys aren’t real well versed in foreclosure defense and are likely to admit to things that they don’t understand.  Even worse, should a pro se homeowner proceed without at least some assistance of counsel, they are likely to screw themselves out of their home permanently, while putting their spouse or family at equal risk.

This is one of the reasons why we set up the FORECLOSURE DEFENSE WORKSHOP! 

If you don’t know your rights, you don’t have any!

Here is an opportunity to learn from one of the best foreclosure defense attorneys in Florida!  (see below)


Here … you have an opportunity to learn to fight back!

Download the Workshop application here: FDW ORLANDO REGISTRATION FORM

Yes, DK Consultants LLC is sponsoring this event.  This is the only event in 2017 and the ONLY event custom tailored to pro se litigants!

This means, you’re going to get educational information that is vital to saving your home … not just some sort of “delay game” strategy used by most Florida foreclosure defense attorneys!

ENROLL NOW!  SEATING IS LIMITED!

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