Tag Archives: Blue State

FORECLOSURE DEFENSE 101 WORKSHOP NEWS! UPDATE!

(BREAKING NEWS, OP-ED) — The online webinar has been slated for Saturday, October 24, 2020 from 10:00 a.m. to 2:00 p.m.  Please email cloudedtitles@gmail.com for a Registration Form. 

The latest news articles (at least 20 of which this author has read) all indicate that the COVID-19-related foreclosure crisis will more than likely affect low-to-middle income homeowners who lost their jobs, including first-time homebuyers, single women and people of color who got federally-insured mortgage loans.

Despite all of the CARES Act help and moratorium extensions by the government, conventional mortgage loans were not part of the government’s intended program to stop the tide of foreclosures that are looming in the not to distant future.  Because the crisis affected the mortgage loan servicers the worst, they are least likely to start granting en masse forbearances on mortgage loans as there’s no way they can recoup their losses fast enough.

The next game plan would seemingly call for mortgage loan modifications.  This is where homeowners can restructure their loans using money they’ve been able to acquire over the short haul in an effort to meet qualification requirement payments that the servicers will demand in order to complete the loan mod. Should these modifications not happen in droves, it will spark another massive wave of foreclosures before the end of 2020.  In this instance, it appears that the banks and their servicers are looking to the government for some sort of mitigation plan (in other words, another bailout, mitigation plan is just a nicer way of saying it).

As to the equity position some homeowners may have, restructuring could include downsizing through liquidation.  Because loan delinquencies will show up on credit reports, it will become more difficult for evicted homeowners to find places to rent through the standard screening criteria.  They will be faced with having to pay larger security deposits and higher rent because of their presumed risk having to go through back channels in order to find shelter.  In many metro areas, mortgage loan delinquencies of 30 days or more were over 10%.  This figure is very comparable to what America was facing in 2008 as over 10-million homes were foreclosed on in the years that followed.  The housing crisis we are now facing could nearly match what we experienced between 2009 and 2015.

IN FLORIDA, WE PREPARE FOR HURRICANES

There are some exceptions to the housing crisis in areas of the U.S. that have stable rent and mortgage markets.  Most of Florida and much of Texas fall into those two categories.  These two states, which this author is using as an example, have no state income tax and lower sales taxes and less restrictions on business, which makes them more desirable to those living under current “Blue State” conditions.  In many markets in Florida, residential resale inventories are declining, which seems to indicate the opinion that the 1000-people-a-day migration to the Sunshine State is impacting the crazy real estate boom.

However, a lot of homeowners who currently reside in both states are hunkering down and choosing not to liquidate, mainly because they can afford to ride out the storm, much in the same way homeowners in Florida prepare for hurricanes.  If you’ve ever been to Florida during hurricane season or have seen pictures of the parking lot that Interstate 75 turns into when those who aren’t prepared or those in low-lying areas who are forced to evacuate take to the roadways to flee the storm’s path, you can get a fraction of a glimpse of how many homeowners aren’t displaced and are going to ride out the storm because they’re prepared.  It’s just something you do when you live in Florida.  The problem is, not all homeowners have the financial ability to prepare.  Even though there are a lot of affluent folk living the dream, there are those groups of individuals and families that make up the support base (lower-paying incomes associated with health care, retail, restaurant and maintenance-related employment) are the ones taking the hardest hit in managing rent payments, which are skyrocketing beyond their ability to pay.  This is why there is a need for affordable housing in Florida, which is why this author is now building steel SIPS homes (Structural Insulated Panel System), starting around 900 square feet.  The need here for affordable housing is so great, even the news media can’t ignore it:

An affordable home that can withstand a category 5 hurricane? This builder says he has the answer | News | yoursun.com

This is what you call PLAN B … 

Having alternative plans to move to safer, more productive areas is part of why you’ll see demographic shifts of migration around the country.  When the construction industry booms in one area, workers from around the country migrate there seeking to become part of the construction labor pool.  There are all sorts of retraining programs available, if you know where to look.  America has always been resilient no matter what.  Even in light of the COVID-19 snafu, Americans are bouncing back … but unfortunately, not ALL Americans are.  It’s that 10% that make up the exception to the rule that will spark the crisis.

However, not everyone has a Plan B yet.  This is why we’re doing the Foreclosure Defense 101 Workshop.  California Attorney Al West has agreed to join me for this 4-hour webinar.  This author is also talking to others who have been able to stave off foreclosure for over 10 years, through learning HOW TO fight the mortgage loan servicers and their attorneys in court.  This of course, would be an exception to the rule.

We have made this workshop affordable and much easier to attend, as long as you have access to a computer and an email address.  This author has already addressed the types of sample forms we’re going to make available, so for the sake of redundancy, we’ll stop there.  If you or someone you know is in trouble, best to forward this post to them and/or have them email us at cloudedtitles@gmail.com for a Registration Form.   Here is the syllabus of what we’ll be sharing in the workshop:

FORECLOSURE DEFENSE 101 SYLLABUS

UPDATE:  Next week, you will be able to register to attend through our shopping cart on the Clouded Titles website

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IF IT ISN’T RACISM, THEN IT’S LIBERALISM!

(BREAKING NEWS, OP-ED) –– The author posts this review and diatribe with the intent to posit what he considers the typical “entitlement” stereotype that fits within the framework of liberal ideologies. It is not intended to posit legal advice nor portray anyone in a light not well suited to the events within the present day. 

BLM SHOOTS ITSELF IN THE FOOT AGAIN

For a movement to gain traction, its platforms and principles need to be rooted in constitutional history and not based on agendas not intended by our Founding Fathers.

And just when you thought liberal media might be onto something, they surprise themselves in frustration at their own insistence and effort.

Take the case of the interview done by FOX News’ Anchor Martha MacCallum with Hawk Newsome, the chairperson of the Black Lives Matter Movement of Greater New York (City).  Every attempt by MacCallum to question Newsome’s motives ended up stonewalled in rhetoric that was totally self-serving and rooted in liberalism.

First, Newsome attacked Rudy Giuliani’s portrayal of BLM as a “domestic terrorist organization”.   After his rant, MacCallum played a clip of Chicago BLM organizer Ariel Atkins, which condoned looting as “reparations”.  Atkins’ comments made Facebook, of course: “I don’t care if somebody decides to loot a Gucci or a Macy’s or a Nike because that makes sure that person eats.  That makes sure that person has clothes. That’s reparations.  That is reparations.”

When asked if Newsome agreed with Atkins’s statement, Newsome dodged the question by ranting on white supremacy as a form of oppression … “white supremacy will have you criticizing the oppressed and worshipping the oppressors. Now, if you want to talk to me about reparations, nothing falls short of a solution other than people cutting a check.  And we’re not talking about going in everyday Americans’ pockets, we are talking about banks who benefitted from slavery.”

No matter how many times MacCallum tried to interrupt Newsome with getting him to stay on point and answer the question about Atkins’ comments, Newsome continued to evade the question by bringing up the police shooting of Breonna Taylor. Frustrated, MacCallum ended the interview when Newsome again avoided her question with another question of his own.

“You are having a circular conversation”, MacCallum stated as Newsome continued babbling. “You don’t want to answer questions about looting and stealing and breaking windows so, hopefully, we can have another conversation … ”   (hat tip to the Daily Caller)  Frankly, this author tuned Newsome out when he said the banks should just cut a check because they benefitted from slavery.   These people appear to have a one-track mind.  To even state the term “white supremacy”, one has to understand that the term in of itself is racist.  But it’s okay for liberals to call out anyone who even dares to argue this point racist.  This is the Antifa modus operandi.

STEREOTYPICAL PRIVILEGE

In some Arab States, if you are caught shoplifting, they cut off your hands.  BLM folk should be glad they don’t live in the Arab States.  The author wonders how many times Martin Luther King, Jr. has turned over in his grave in wonder of today’s current events?

Every time we turn a new page in history, the BLM Movement teaches us about the way many people think, not just black people.  There are entitled “white” people too.  This is why welfare states are draining this country of the opportunity to grow.  Businesses move to and open their doors where the labor pools support the working stiffs.

Any state which condones the socialist welfare system will fail because its ideological processes are not rooted in anything God-like as to principle.  To have BLM spokespeople out there saying it’s okay to steal a Gucci purse out of a broken store window because people gotta eat … excuse me?   How do you “eat” a Gucci purse?

Oh wait!  You have to sell the stolen Gucci purse (to someone who pays you money) so you can buy drugs and food.  The welfare state loves to support people’s drug and alcohol habits.  The author knows this from personal experiences. Most people this author is aware of that are on some form of government dole spend their stipend unwisely.  The BLM Movement made its first mistakes when whoever decided the two people discussed in this article should be “leaders” or “organizers” put them in the spotlight.  There is nothing rational about the comments made by these two people.  There are ordinances on the books in every city and state that prohibit destruction of property and theft of property, receiving stolen goods and selling stolen goods.  What it appears is that these folks simply want to “take” whatever suits them (meaning property not belonging to them) at the time it suits them and sell it at 100% profit so they can simply “exist” until the money runs out and then “take” again.

Blue State ideologies support this behavior.

There is nothing God-like about this attitude at all.  Most of us work for a living.  The author doesn’t care what color your skin is … you have the opportunity (like every other hard working American out there) to work smart and take legitimate advantage of every opportunity that is afforded to you.  If you have to “take” shortcuts just to survive, then you have to either be punished (for which the system has a set of laws for that purpose) or suffer at the hands of an armed homeowner or shopkeeper.

IN SEATTLE, WHITE PEOPLE LIVING IN BLACK NEIGHBORHOODS ARE CHASTISED BY BLM

“Give us your houses and open your wallets!”  This is the kind of garbage being spewed by protesters in Seattle as they marched through mostly black neighborhoods, accusing white people of buying up all of the property and furthering the cause of white gentrification and white supremacy.   You have to wonder what turnip truck these protesters fell off of.  It’s apparent they didn’t pay attention to history in grade school.  Oh wait!  What kids are taught in our liberal education systems is being taught by teachers who got a liberal education in college and are liberally paying principal and interest on student loans for the rest of their lives.  Hmmm.  Some things just aren’t right here, are they?   This sounds like the same “circular conversation” propounded by Newsome and Atkins.

SO ARE WE TO ASSUME THAT PROTESTERS PROMOTING THIS KIND OF BEHAVIOR SHOULD BE REWARDED?

The author found this 14″ x 10″ sign was available for purchase at Harbor Freight for just $4.99!   

Imagine that?  Why is Harbor Freight selling signs like this?

This is why there is an uptick in gun and ammo sales across America.  With this kind of “entitlement attitude”, things can only get worse if our government doesn’t do something to uphold the law.  This author believes that what BLM is doing is not just protesting police brutality, but rather promoting racism, their right to be black, their right to be free of consequence for their illegal actions, their right to loot, steal and vandalize, their right to shoot cops … and their right to shoot you … “whitey” … just ask the parents of the 5-year-old white boy that was shot in the head point by a black next door neighbor in North Carolina.  Tweaking on Fentanyl or not, no one has the right to take another’s life unless it’s in self defense.  That goes for the white cop that kneeled on George Floyd’s neck while he was tweaking on Fentanyl.

And the BLM made Floyd their poster child.  I guess it’s okay to burn down buildings, put people out of work, beat up shopkeepers and pop a cop, so long as you made your point, eh?

So now … this author surmises that if the BLM Movement wants to keep this tirade in the forefront, the consequences will end up falling on the shoulders of the citizens who choose to protect themselves by lethal force in defending their life, liberty and property.  And the more of a foothold the liberals get in America (just look at all of the Blue State-Blue City Majors that have condoned all of this illicit behavior) … well, you get the picture.  This is not making America great.  This country is going to hell in a hand basket.  Those who are sane are the only ones who can save its future.

Again, history repeats itself … and those who are ignorant of it are condemned to repeat it.  -Georg Santayana

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FIGHTING TWO BATTLES AT ONCE

(OP-ED) — The opinions expressed in this post are those of the author and do not reflect the opinions or affirmations of the political hierarchy in America.  These opinions are offered for the purposes of self-preservation in a time of dual crises in America. 

POSTULATING REALITY

America is in crisis mode.

I would say that the statement I just made is correct given that we have two separate battles we are fighting.  One to save ourselves and one to save our homes.

I think we can all agree that the combination of circumstances could be timed to coincide with each other (the coronavirus pandemic and the execution of George Floyd) as catalysts for what is to come (a spike in COVID-19 cases and the upstart of foreclosures) because (with the help of the liberal media) most of America is “not awake” and is being conditioned for slaughter (if not at the hands of the rioting, then at the hands of the vaccine) and potential homelessness (or direct conflict on America’s streets).

Given what we know about the scientific mapping of xenotropic murine retroviruses (XMRV’s) and the medias ignorance of them, Americans are in the middle of a war for their votes as well as their mindsets.  Most of the folks on this blog have read up on the research conducted by Dr. Judy A. Mikovits (who I would like to interview on my radio show, specifically about the science … to have her explain all of this in layman’s terms) which she claims was covered up by Dr. Anthony Fauci and the National Institutes of Health (the NIH) and others, who rewrote and published false data in order to cover up government liability for allowing lethal vaccines and viruses to be put out into America and the world.  Several scientists who attempt to go public with information that could be considered vital to saving lives ended up dead.  This is documented fact.  In her book, Plague Of Corruption, Dr. Mikovits gives the names of those individuals and briefly outlines their tragic endings, most of which were ruled suicides (e.g. Vince Foster).  There is no conspiracy when it can be documented that: (a.) the dead individuals were scientists; (b.) the dead individuals were involved in government research; and (c.) the individuals are dead in tandem with their data being whitewashed by government-funded agencies.

THE TIP OF THE ICEBERG

This scenario goes deeper than just the idea that a vaccine (the savior of the world) is being synthesized in at least 8 different laboratories (according to Fauci himself; using lab rats and former COVID-19 patients) with the intended use of being injected into unsuspecting “victims”, all of whom should consider themselves “guinea pigs of science”.  As Dr. Fauci admitted to the Senate (regarding the vaccine and its development) in contradictory vernacular … “The NIH trials moved very quickly … on January 10th the sequence was known.”

Wait a minute.

If the World Health Organization (WHO) knew on December 31, 2019 that the coronavirus was wreaking havoc on the Hubei province in China, then, in order to conduct trials to have a result by January 1oth (as to an RNA sequence of the retrovirus), then Fauci and others either had previously known of a breach of safety protocols at the Wuhan Institute of Virology and had actual samples provided to them to begin sequence testing on.  Remember the timeline.  WHO did not announce this pandemic until January 15, 2020 and only a small percentage of America paid any attention (“It can’t happen here.”).  Vaccine development, according to Fauci’s own testimony to the United States Senate, began on January 14th (2020) … the day BEFORE the World Health Organization announced an active worldwide pandemic.

How could Fauci and the NIH know what they were looking for unless they had access to the virus?  We have to ask why the Wuhan and Fort Detrick, Maryland bio-labs shut down?  Who gave Fauci and the NIH the money to fund the Wuhan Institute of Virology’s experiments with coronaviruses?   What did either facility have to gain by culturing these viruses in a lab?   Why did it all of a sudden become necessary to cause a major distraction in America, following bailouts of the “too-big-to-fails” as well as the minuscule payouts to American taxpayers to create a sense of false security (like our government was actually doing something to jump start the economy)?

The major distraction I’m talking about here is the purposeful videotaping and dissemination of the execution of George Floyd at the hands of four Minneapolis Police Officers.

At the point I saw the video, I’m asking myself (and you may have been too):

  1. Why did the person doing the videoing of the execution not tell others to call 9-1-1 and report what they were witnessing to tell dispatchers to send supervisory personnel to the scene to stop the execution?
  2. What purpose did the cop who had his knee on Floyd’s neck have for staring blindly into the camera as if he were purposefully making Floyd’s death look like a white-on-black crime of police brutality?
  3. Why didn’t the bystanders to the entire event jump the cops and pull them away from Floyd and beat the holy shit out of the cops and save Floyd’s life?

These bystanders saw one of their own in trouble and did nothing to help George Floyd.  And now they scream “Black Lives Matter” while infiltrators penetrated their ranks and caused riots, burning and looting of stores and homes, while beating and killing store owners and police/security who were trying to defend others and their property?

I don’t get it.  Well … maybe I do, but are you ready for the realization that all of this was orchestrated to draw your attention away from the real caper?

The vaccine … and the tainting of the upcoming elections to steer America further into socialism.

Fauci told the Senate that the vaccines would be ready by late winter, yet it has already been announced that over a million vaccines are ready to be administered.

Something isn’t right here. 

Fauci claims that America is “Chairman” of the vaccine program and he further admitted that a vaccine will be produced to inoculate the world, not knowing of the consequences (the risk) of whether the vaccine will actually work.

“I must warn that there is also the possibility of negative consequences … that certain vaccines can actually enhance the negative effect of the infection.  The big unknown is efficacy.”  Fauci told the Senate.  Efficacy has to do with the success of a desired result.  What might that result be if the consequences could be negative?  DEATH?

Fauci went on to admit that all of the research has been accelerated through public and private partnerships (with Big Pharma, the bunch that has the biggest lobbying effort in Congress) to speed up the research and production of the vaccine so that billions of doses can be sent out worldwide … this is like a rush to judgment in my book.

Until they start inoculating the willing souls, we won’t know whether they’re actually going to be giving Americans and citizens of the world a vaccine that could infect human tissues with retroviruses that will kill over half of those injected within a short period of time.  Imagine only having half the world’s population to contend with?

Would it be easier to deal with and control many billions of people?  Or would it be easier to deal with and control millions of people?  Would lower numbers make it logically easier to control the population of any given country?

THE SECOND “WAR ON AMERICA”

And as states allow the administration of the vaccine, not knowing of the intended or unintended consequences of its administration, the folks who were out protesting (and rioting and looting and burning) have now potentially put themselves in harm’s way, not just from the vaccine itself (which might deliberately give them a full-blown case of COVID-19 which will kill them), but leave their families destitute … and what happens when you let your guard down?

The banks strike!

The next major land grab may play out this way.  And if you have been indoctrinated by “false flag programming” (media conditioning), you will not be of sound mind to wage war against the mortgage loan servicers coming to take your home. Look at it this way … throughout history … who makes money off of wars?

The banks do!

Throughout history it has been shown that the major banking institutions have funded both sides of actual conflicts (wars).  And those who have played into the Black Lives Matter are the first ones to start screaming to the government for help (nanny state tactics aside) in saving their homes because the families living within them have been decimated by a vaccine.

The one thing that Dr. Mikovits made note of in her book, which I paid particular attention to, is for those wishing to research patterns of medical crises as the result of a vaccine look into what vaccination programs were being administered and where, prior to the outbreak of the medical crises in that given area.  This should tell you what to expect in different parts of America or parts of the world (like Africa … where Black Lives Matter?) where administrations past have conducted vaccination programs, resulting in spikes in disease and death.

Waging war against a bank in the middle of a crisis like this (constant fear of home invasions by looters and rioters and other forms of civil unrest) will have people on edge, which is the perfect scenario for the banks, their servicers, the trustees and their lawyers to take advantage of an already-heightened “fear factor”.

How will people of color (especially those who participated in the protests) explain to police that crimes are being committed against them and to investigate those financial crimes, after telling police to go fuck themselves and protest that departments should be defunded?  How do these people expect “help” from the very same law enforcement in investigating whether intentional identity theft and misuse of their personal information is being used to foreclose on their homes after they had the unmitigated gall to exact violent and radical behavior against law enforcement agencies across America?  I find all of this counterproductive.  It’s just that those who were part of the problem now expect law enforcement to be part of the solution.  I really get that.  It’s not happening for them.

My prediction here is that those Blue States who are in financial trouble and whose populations demonstrated the highest levels of radical and violent behavior will suffer the greatest number of foreclosures in this upcoming second attack by the banks because of their own demented behaviors in promoting civil unrest, disorder, disobedience, destruction of property (both public and private), violence resulting in death, all the while making a mockery of America’s failed justice system.  And you expect the courts to be on your side when you have to go into their tribunals and wage war to save your home?   The judges watch TV too.  The judges are (I would suppose) equally perturbed at the BLM campaigns being waged across America.  I believe that judges are going to be less sympathetic to homeowners because of all of this protesting and rioting, which is why I made the foregoing assertion.  We’ll see how much Black Lives Matter when the foreclosure crisis kicks in again.

Instead of becoming united ahead of a major election, Americans have become disjointed, which is what many Democratic politicians believe will work in their favor come election time.  Could we assert that people who died of COVID-19 are still registered to vote?  Could their vote still be cast for Democratic politicians even after they’re six feet under?  You bet.  This is what is driving America closer and closer to socialism.  One of the key fundamentals of socialism is wealth distribution.  Wealth distribution promotes laziness (free handouts).  Laziness brings with it a false sense of security.  Having a false sense of security makes one less resistant to the element of surprise.  Having the power to swoop down and take over neighborhoods by and through military force works even better when no one is expecting it.

Socialism begats communism.  Why do you think Russia is officially referred to as the Union of  Soviet Socialist Republics (USSR)?  And now we have China to worry about (potential Cold War because of the dispersion of the coronavirus) as well as our own government (disjointed politicians who are being lobbied by Big Pharma to destroy us because our very own taxpayers dollars with funneled through the NIH to Wuhan, China).  Not the greatest scenario for trying to defend your home, eh?

WAGING WAR AGAINST THE SERVICERS

As I close out this segment, remember that these entities have been paying the REMIC trusts’ investors advance payments while the corona-crisis was ongoing.  When the moratoriums are lifted, you can bet they’ll be knocking on your door asking to be reimbursed in some way, shape or form.  As a result of the advance payments, you can expect the following to occur:

  1. If you’re current in your mortgage payments, you won’t need a forbearance or a loan mod, which is why the second wave of REFINANCE YOUR HOME campaigns are going to start up in the fall (watch for it … they want to make sure every home loan is securitized … making it easier to steal in case you default);
  2. If you’re only a month or two behind on your mortgage payments because you’ve been out of work for a short period of time but expect to resume employment, you can expect to be offered a forbearance;
  3. If you are several months behind, you are more than likely going to be offered a loan modification, which promotes the use of a trial period of payments (so the servicer can reimburse itself for all of the advance payments it made on your behalf); and
  4. If you have been way behind in your payments, you’re likely to face immediate retribution by the servicers, as taking and selling your home, whether by stealth or through the use of feloniously-recorded documents, will play out as quickly as the servicers can get the “legal ball to roll downhill”.

Given the atmosphere in America, humility in front of the judge may not cut it.  You’re going to have to solidly prove that your rights are being violated or that illicit behavior is being committed against you.  With the coronavirus causing the courts to conduct hearings electronically (what society wants you to believe is the “new normal”), your chances are even less of getting a fair shake because that judge doesn’t have to face you (in person) or your wrath after you’ve been screwed in electronic court.  The panic created throughout the court system will work to the disadvantage of those who are unprepared for it.  This means your pleadings are going to have to be well-thought out, on point and divisive.  There will be no room for error because of intolerance created through civil unrest in America.

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