Tag Archives: Clouded Titles

When the deck is stacked …

(OP-ED) — The opinions expressed here are that of the author and should not be construed as legal or financial advice. Depending on how America reacts to what’s discussed in this article will decide the potential outcomes we will soon be facing.

AMERICAN GRIDLOCK

Foreclosures are not the only thing we’re going to have to worry about. As of the date of this post (November 20, 2020), America could be headed for another massive lockdown which will further our economic disasters both at home and at work. The culprit … the presumed number of dead due to COVID-19.

The facts behind the claims of the number of dead due to the coronavirus cannot be verified because We the People do not control the data stream. That information highway comes right out of the Centers for Disease Control in Atlanta. We cannot ascertain whether the RNA strains inside the virus itself, which are designed to put our pre-existing conditions into hyperdrive, was behind the demise of all of the claimed statistics. We don’t control the science. Many factions within the CDC do. This author thinks these factions are part of the technocratic Deep State. We can only control the immediate area we live in. If you travel in a given area and you don’t see many people coughing repeatedly, wheezing, sneezing, etc., it’s probably because most people have taken extra precautions to try to stay healthy.

America’s only mistake is trusting the science and trusting its government to do the right thing. We could be dealing with a spate of false positive COVID tests too, designed that way to drive the numbers up, so the technocrats can lock us down even more and restrict our movements, because after all, We the Sheeple don’t know our asses from a hole in the ground and thus, can’t be trusted to make “right choices”. So far, this author has seen nothing but manipulation of data, whether it be vote counts or death counts. No matter. What’s at issue here is how We the People react to what is going on. The author sees another toilet paper run again. What’s is it with people and wiping their asses? Are they shitting any more because of the panic? Maybe they should put excessive shitting as a symptom of COVID-19, eh? How would you describe this behavior? Do you “take a shit”? Or “leave a shit”? Oh, shit!

“NEW NORMAL” MY ASS!

And you knew the subject of mask wearing would come to the forefront … but why? It’s because not wearing a mask has been labeled by the media as a sign of defiance and non-conformism. It’s what the “science factions” within the government want you to believe is the “new normal”. Science has already figured out that wearing masks really don’t help that much; in fact, they hurt more than they help. The author can only logically conclude that those who dutifully wear the mask will take the vaccine. Those who wear the mask while driving alone will definitely take the vaccine. They are the ones who’d rather be scared than dead. If they only knew that the future of the “new normal” may not include their right to exist in the government’s “utopia” system of things.

Here’s a syllogism for you (for those that have a hard time wrapping the conversation about mask wearing around their heads):

(1) The HIV/AIDS virus is the same size as the COVID virus because they’re both RNA strain-type viruses; they’re both extremely tiny viruses.

(2) Wearing a mask doesn’t prevent permeation by the HIV/AIDS virus because the holes in the mask are too large to prevent the HIV/AIDS virus from getting through the mask.

(3) Thus, the COVID-19 virus will also penetrate the mask because, like the HIV/AIDS virus, it too is too small to be prevented from getting through the mask.

TEST GROUPS

Those who have been given the vaccine as part of a test group have shown no symptoms for the last 5 months. At least that’s what we are told. What we aren’t told is that the vaccine contains strains of RNA that act as a catalyst for exacerbating medical issues down the road. It could be five years and half the U.S. population could be dead of diseases not directly related to coronavirus but rather to those symptomatic of pre-existing conditions, triggered by an auto-immune event, kicked into hyperdrive by a vaccine administered five years earlier. If you have any doubts on the “science” of the vaccine, please go to the Clouded Titles website and click on the free Judy Mikovits interviews and do your own research.

There is so much doubt surrounding the validity of what the left-wing media preaches at us that Americans are starting to become more angry than tired of the bullshit. It’s like we’re physically sick of hearing it all … and when you’re sick, you want to be left alone to rest. But that’s not going to happen. You get poked and prodded with more propaganda, almost as if you’ve been subjected to sleep deprivation. After awhile, you lash out, even at loved ones.

If half of America refuses to take the vaccine, then what is the government to do to force the hands of those who won’t capitulate? The answer: Put restrictions on their travel and movements until they do comply. You watch. It’s coming. My co-host on WKDW-FM’s City Spotlight – Special Edition, R. J. Malloy, calls them “choke points”.

Choke points are used as “conditional options” for controlling the behaviors of millions of Americans who refuse to pledge their allegiance to science. You can’t go into a grocery store and buy food if you don’t take the vaccine. You can’t board public transportation if you don’t take the vaccine. You will have a vaccination card you have to present to get into a concert, so says Ticketmaster of future things to come. You won’t be able to draw welfare unless you take the vaccine. It almost sounds like the Mark of the Beast, doesn’t it? It’s Orwellian technocracy at its finest. You can blame Bill Gates for having a major hand in it. Read the foregoing link and determine whether you want to be one of the “human guinea pigs” the article speaks of.

YOU WON’T NEED TO DEFUND POLICE IF YOU DEPOPULATE AMERICA

What a better way to get rid of the tax drain on America than to control the size of the population, eh? All those sick people drain the insurance money and government coffers via disability payments. Social security is going bankrupt and we need to figure out a way to shut off the drain. The thought process leads those in power to decide that eliminating those who are a drain on social security will provide extra money for other agendas, like more control over the individuals who are productive little global citizens (peons).

Then the objective would be to deal with those who resist the government’s mandates to wear a mask or stay at home. You see, when you’re at home, “they” know where you are and where you can be found. When you’re mobile, your smartphone’s GPS or your vehicle’s GPS tells “them” where you are at any given moment. Add the potential issues surrounding the 5G network and you’ve got a trigger for inflicting more than just emotional distress. The U.S. Army has actually tested a weapon of a conical shape that when pointed at a human, will literally shut off all of the electrical circuits in the body, causing the target to collapse in a heap … to be systematically picked up by the men in the white suits and taken to the nearest crematorium to be disposed of. It’s the illicit way to make one “disappear”. It’s 1984 all over again. It’s more than just an Orwellian imagination that drives the thought process. Add a pinch of Clockwork Orange and a dash of Eyes Wide Shut and a drop of Manchurian Candidate and you’ve got the recipe for what will drive many Americans to the brink of frustration and despair. Winston Smith loved Big Brother.

It’s anyone’s guess when the nation will hit its “boiling point” that bands of Americans will go “politician hunting” with all those guns and ammo they’ve been buying up.

After all, politicians seem to think they know how we should live better than we know how we should live and that the elite should make those decisions for us because we’re nothing more than a “number” to them, a number that needs to be controlled.

America’s future is thus marked by the phrase: Live Free Or Die.

Here’s a great PDF for those who’d like a bit of light reading:

AMERICA’S COURT SYSTEMS WILL GO INTO OVERDRIVE

It’s not just the foreclosures that will overload the courts, it’s the lawsuits over deprivation of civil rights and being forced to take the vaccines against our will. The state courts will be taxed by the number of incidents involving dissidents and violence while the federal government will be backlogged by all of the claims made against the states and the federal government for multiple violations of the Constitution by those who can afford justice and right-thinking attorneys with an agenda.

Many in the legal profession probably won’t agree with the foregoing paragraph. However, if the same Americans that are “politician hunting” all of a sudden realize that putting their faith in the justice system is pure folly and that there is no justice, then maybe “judge hunting” will be the new normal. Frankly, we just don’t know what the new normal is going to be.

If you want a civil war, force the hands of those that have paid the taxes that this Congress spends like a drunken sailor and see what happens.

And for those families whose children are inundated with liberal mindsets thanks to our public schools … watch for the Biblical predictions where children will betray their parents and cause them to be put to death. Is that is what is to become of the American family unit? When the government takes control of the “.5” of the “nuclear family” and forces it into a slave labor camp for the good of the government?

If you’ve never seen what socialism eventually becomes, then you’re in for a rude awakening. If that happens, the courts will turn into star chambers, only to determine the fates of those facing it … and nothing more. The technocrats, who are driven by science, will be sitting back watching the shit show with an evil grin because they know totalitarian markers when they see them.

We can only avoid this future not by raising the white flag but by our calculated risks in dealing with our present. No one ever wins by pure emotion. It’s like people buy lots of guns and rounds of ammo because they think they can sustain a firefight against an armed battalion of troops. If it came to that, you’d seriously have to fight like a guerrilla in order to survive. Rumor has it people are fleeing Virginia in droves because the Commonwealth is about to kick in with a state-wide, door-to-door gun grab. The same goes for Kentucky. It’s a Commonwealth too.

AND AS WE APPROACH THANKSGIVING …

The COVID-19 “scare” is upon us once again. Oregon’s Nazi Governor Kate Brown has issued an Executive Order that comes with jail time for anyone violating it:

This is a prime example of how left-wing governors react with their self-aggrandizing impositions of power to the technocrats of science, with jail time, because Kate Brown knows a hell of a lot more about family life and protecting our loved ones from COVID-19, or the flu for that matter, than we do.

Given the fact Oregon’s passage of legislation permitting medicinal use of hallucinogenic mushrooms, heroin, cocaine and crystal meth … we should expect nothing less from these jackbooted fascists. So much for eating your turkey in peace, huh?

And you really think that Governor Kate Brown’s Executive Order is going to stop the Antifa violence in Oregon? Who is she kidding? The author would like to see HOW she’s going to enforce that Executive Order. Can you imagine putting all the violators in jail … like one giant petri dish full of COVID-19. You’re sure to get it there if you didn’t have it already. And you know what this author thinks of Kate Brown:

The nations whose governments want to put them in virtual lockdowns are asking not for unity but for discord. Americans saw what happened to their economy the last time the states tried that nonsense and where did it get us?

The government has all of us so conditioned to making money and having money and making money our god that without money, we don’t react well. If we don’t have two nickels to rub together, we all look at the government, bleat like sheep, expecting a dole. We are playing into the hands of everything “they” have in store for us.

ONE STATE, TWO STATE, RED STATE, BLUE STATE …

If the leftists in this country will lash out and assault people they don’t agree with, what makes you think you’re safe from your opinions no matter where you are? One guy recently got his head split open at a MAGA rally in DC and another got clocked with a ball bat on the back of his head because his currently unknown assailant thought he was wearing a MAGA hat (he was actually wearing a Phillies baseball cap). The man now has an inoperable brain aneurysm. Lesson learned … if you wear a red cap, you’re likely to be mistaken for a Trump supporter and thus, your chances of NOT being assaulted just went from slim to none (as time progresses).

Yes, the Blue State mentality will get the best of us if we don’t do something to stop their nonsense. Cows farting is messing up our atmosphere. Think about that next time you think of your favorite progressive Democrat. I remember hearing about a story of a guy who hired a prostitute with AIDS to have her way with his local Congressman, who was known to be a cheat and a philanderer. Betcha can guess what the outcome of that was. Every person has a vice. Think about that the next time you want to expose your evil politician to public scrutiny. Public policy will take care of the rest. How do you think Filegate was such a great “control mechanism” of politicians?

SURVIVAL OF THE FITTEST

The new trend is toward fruits and vegetables? How are you going to sustain without them as the world’s food supply is at risk? Thought of any options as to what to do when the store shelves start emptying out again, especially if nutball Biden manages his way into office? The leftists apparently do not understand that all of the crisis issues facing America affect them too. They’ll be the first ones screaming for the vaccine and demanding the dole. Maybe they deserve their fate. They’ll soon find out there’s no options left than common sense … just like locking down America again. If no one is producing food, the supply chain gets disrupted. Most canned goods only last 2-3 years on average on your pantry shelf. Then they become risky fillers. I don’t know about you, but this author is not living off of just macaroni and cheese the rest of his life. That’s a hint.

Most of the world’s food supply is dwindling, especially stuff that’s not contaminated with GMO … you know … the stuff science designed to put into corn products to make women sterile so they can’t reproduce. If women can’t reproduce, then the idea is that the population will naturally shrink as more people die off. And you wonder whose brainiac idea that was? Science.

Have you checked Sweden’s COVID numbers lately? Currently, there are 172,385 “infected” patients (so as we know if their tests are accurate). Out of those infected, 172,206 have a mild case of whatever and only 179 are in serious or critical condition. Sweden is a country that came under fire for their lackadaisical approach to getting to “herd immunity” quicker by not locking the country down. Wouldn’t you love to see those numbers here? Lock the country down again and you will see the coronavirus continue to survive and outlive its hosts, vaccine or no vaccine. Asymptomatic or not.

… and finally … the election. Be patient and prepare for the worst, just like we do in Florida when hurricane season approaches. No matter who finally ends up in the White House, it’s the balance of power in Congress you really need to worry about. The Blue States will continue to have their own problems and expect everyone else to bail them out so they can continue their nonsensical path to self-destruction. We don’t have to kowtow to that mindset, whether we have another four years of prosperity or another four years of uncertainty.

We as Americans … are resilient. Be still and study the ways of thine adversary.

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EXIT STRATEGIES

(OP-ED) — The author postulates the following for things you might want to consider when all else fails. None of this commentary should be taken as legal or financial advice. If you’re a homeowner who is hurting financially, you should at least consider these options before the ship sinks.

IN THE WORLD OF FORECLOSURE

Welcome to my world of the last 12+ years. I use the “+” sign because my foreclosure scenario started back in 2003, which, upon reflection, caused me to start researching into what turned into the book Clouded Titles. That was back in October of 2008, when I began compiling all of my research into the cause and effects of the 2008 financial collapse and by December of 2010, the book was released in its 254-page format. It’s now 432 pages.

I write this post in earnest because this is the other way of saying, “What’s your end game?”

YOUR END GAME AND THE PRACTICE OF LAW

Most attorneys dealing in foreclosure defense will ask you that very question when the time comes for you to deal with someone claiming you’re in default and they want their house back. They want to know how long they can count on you to be their client.

Most attorneys won’t take your case unless you can actually tell them a valid reason WHY they should take your case. If you don’t have one, the honest attorneys will move on. Most attorneys also want to know if you intend on fighting until you can’t fight any longer. Some attorneys don’t care how long you fight, they’ll just suck your bank account dry anyway.

A lot of your response depends on whether it’s fueled with emotion, entitlement or serious legal logic. If there is a forensic issue with your property, such as dealing with failed mortgage loan servicer accounting issues, that is different than attacking the foreclosure mill law firm based on other more complex grounds, like tortfeasor claims. Sometimes you can actually settle your differences with the other side’s attorneys. More often than not however, the servicer wants your house and will stop at nothing to get it, including dummy up phony land record documents.

At the end of 2020, a lot of my investor buddies think the banks will be doing a lot of loan modifications with those who, even though they got behind in their payments, can start paying again. But there’s still that handful of tens of thousands that are the exception to the idea and won’t qualify. These folks still may have “exit opportunities”. They just haven’t realized it yet.

A lot of exit strategies are based on lack of finances altogether. The stimulus checks could never be enough. Thus, you must first sit down and have your “Come to Jesus” meeting with yourself and your spouse and family, if that’s applicable. You cannot … and should not … hide the fact that a legal action has been commenced against you, hoping it will go away because it won’t.

I talk about various “exit strategies” in my book Clouded Titles for a reason. Back in 2003, I did what’s known as a “strategic default”. I walked away from a high-priced, 80/20 predatory mortgage loan, knowing I had a better deal elsewhere. But, at least I had a better deal elsewhere. Most of those reading this post will not and/or do not. My “end game” was to walk away. No cash for keys. Nada. I was already upside down from the word “go”, so leaving was a no brainer. Unless I did something drastically sensible, I would continue to throw good money after bad. I moved into one of my rental properties and sent Ocwen the keys. Not that many are fortunate enough to have that kind of “back door” but it doesn’t mean there couldn’t be one.

The way I look at it, if you have no equity in the house to begin with, whatever money you threw at the property initially amounts to nothing more than short-term rent payments. That money is gone. What you do with the rest of your funds means everything at this point.

HISTORY DOES REPEAT ITSELF

Because of the fact history repeats itself and the Glass-Steagall Act has still not been reinstated, the banks are still playing in the securities business and REMIC trusts abound. As long as there is an “arm’s length” issue that keeps the borrowers away from the investors of these trusts, courts will continue to kick people to the curb at the whims of the REMICs’ trustees.

Because of the Spokeo v. Robins case, injury in fact has to be proven. This is where the Exit Strategy is most important because attorneys don’t recognize that the investors aren’t the ones that are being harmed, at least not always. Yes, there have been lawsuits by investors against these REMIC pools because there were discrepancies in the quality of the loans they “bought into”. I don’t personally feel the least bit sorry for any of the greedy bastards. They deserved what they got. They saw a way to piggyback on top of the banking industry’s profits. But were they injured? No one is asking them or their trustee to prove it. Why not?

Think about that. If the REMIC’s trustee or some third-party junk debt pool is dragging you into a foreclosure process, it’s because the trustee (who claims to represent the certificate holders of a certain trust) says you’re in default and the certificate holders were harmed, when in fact, just the opposite is true. You may not have made your payments, but the servicer of the REMIC trust was required to make them for you anyway, regardless of whether you paid or not. So, it’s really not the certificate holders that were harmed, it was the servicer (or sub-servicer) who had to shell out millions of dollars out of its coffers to cover the advances due on the Distribution Date every month. THAT’S who is coming after the homeowners in foreclosure, not the “lender” REMIC. The REMIC is an entity that is tax-exempt as a pass-through trust. Nothing more. It made misrepresentations to the certificate holders about what they were investing in. That’s not our problem. We have to show our payments were paid whether we’re the ones who paid them or not. But what does the servicer do? Its attorneys bring in pay statements, showing the judge when was the last time you paid on your mortgage … then they call you a deadbeat … and just like that, you lose your home.

What’s wrong with that picture? Sometimes, the servicer doesn’t even bring in pay statements and the court still gives away your home … to an entity that actually may not deserve it.

Your time to discover that there was an issue with your mortgage loan was the first time you got notice that your servicer changed and another servicer started demanding money from you. But instead of researching the land records and looking for bogus assignments to do a C & E on, most homeowners were too self-absorbed to realize what was going on until it was too late to do anything about it.

THE GSE’S ARE NO DIFFERENT … THEY JUST HIDE IT BETTER!

If you go to irs.gov and type Publication 938 for any given year in the search tool and look at the documents that come up, you’d be amazed to see how many Fannie Mae, Freddie Mac and Ginnie Mae REMIC trusts there are in existence. These are the REMIC trust that each of these government-sponsored entities (GSE’s) are the administrators for. They are like a trustee except when they come into court, they come in on their own behalf … most of the time. In non-judicial settings, it’s always the servicers that come knocking, preceded by suspect documents being recorded in the land records. When you’ve seen as much of this bullshit as I have, all of this becomes “old hat”.

I might as well be the judge that says, “What else ya got?” It’s the same shit. Just a different day. And no one is the wiser when the servicer transfers ownership of your property to the GSE when it’s all done because you’re too busy trying to figure out your exit strategy, after it’s too late and you’re treading water.

WHY DO WE CAPITULATE TO THESE BANKS?

There’s just something inside each one of us that twists our stomach in knots when we finally realize what’s happened. We can no longer be in denial. Some entity out there (run by a bunch of misguided minions who think everything they’re doing is legal) is coming to take our most precious commodity away from us … shelter.

Remember when I previously stated that the three most precious commodities in America today are food, water and shelter. Anyone who deals in these businesses will continue to survive because they have access to those three commodities. There is a fourth commodity that shouldn’t be overlooked: transportation. A lot of people have depended on their cars for a place to live because there was nowhere else to go. Sadly, I had to live in my car for a month (back in the 70’s). It wasn’t any fun. Going to gas station rest rooms to clean up was no fun either.

Those who have no “end game” when the time comes will be scrambling at the last minute, driven by panic and not common sense, to play in a condition I have previously described as the Titanic Syndrome. In other words, it’s every man for himself … man the lifeboats. Wait! There aren’t enough lifeboats and the ship has just hit an iceberg and is listing. The band strikes up with Nearer My God To Thee as passengers fight each other for space. Those who didn’t make the lifeboats get sucked down into the ice cold depths of hell when the ship finally turns on its end and sinks to the bottom of the Atlantic Ocean. Those who remain are floating on the surface are left clinging onto pieces of driftwood, which is what My Heart Will Go On-type movies are made of. And doesn’t all of this just tug at your emotions?

Instead of doing something productive to get away from this situation, we keep clinging onto what’s left of our scenario, when we should have damned well realized that the mortgage loans we took out are going to be the death of our equity in life. We were too slow to react, which is why I write this column. Yes, we need shelter; however, HOW and WHERE we get it should have been more thoughtfully researched … and weren’t … because, again, most of us got caught up in the emotion of buying more home than we could afford. As a result, we’d rather be all stressed out, suffer from heart attacks, family discord, suicide, murder-suicide … all thanks to a situation that was created by the banks and made all too easy for folks to access. Every day you do nothing means your equity (that which you still have in yourself, I like to think of it as sweat equity) is going to waste.

The first time we capitulated to the banks is when we took out a securitized mortgage loan that was registered in the MERS® System. The second time we capitulated to the banks is when 97%+ of us bugged out when we got a foreclosure notice. We did all of this out of ignorance and false hope because we were promised things that did not come true for our futures. Putting false hope that a bank is going to come and rescue you or even cares about you is your first mistake, which is why you have to strategize about your own realistic future and make a decisive move towards that end.

SINCE I GOT INTO BUILDING HOUSES … MY THOUGHT PROCESS HAS BEEN ALTERED SOMEWHAT

Tiny homes are nothing new; however, the idea that you could scale down into one and tell the bank to piss off seems to ring true with a lot of folks these days. This is why banks don’t want jury trials in foreclosure cases because chances are, there are a lot of folks that hate banks as much as the foreclosure-affected person does. We all have our reasons for doing what we do. However, imagine being able to use your resources to acquire a small plot of land somewhere and put a temporary shelter on it that you could live in while you build a bigger home from the ground up and you could use that shelter for an office or guest cottage later. How does that sound? What if you could mount that cottage onto a trailer and tow it around with you and go mobile? A lot of people are doing that these days, except they’re buying big, bulky RV’s that suck gas and are in no way energy efficient, are cumbersome to navigate and are a waste of money anyway (I’ve had RV dealers tell me that personally).

To me, tiny homes are just a way of temporarily downsizing until the moment comes where you can seize a better opportunity for yourself.

IT’S JUST STUFF …

Another thing folks have a problem with is letting go of material possessions they don’t need. If you’re a hoarder, your scenario becomes more than a mental challenge. You’re in a world of your own and anything that disturbs it will cause serious health complications.

Downsizing is one thing if you have time to part with your property before the bank does, especially if there’s that much equity to be had. But could you imagine being able to become self-employed and work out of your own portable home? You could rent a space in an RV park and take on work locally for that matter. There are a lot of ways to turn lemons into lemonade if you just put your mind to it. Since food is one of the key ingredients in the game, your plot of land could serve as a garden and supply you with an income doing truck farming, an all cash business.

Or if you have a professional service you could offer where you don’t spend a lot of time in any one area (like handyman, painting or other simple construction work like day laboring, it would be nothing to be able to pick up cash to stay afloat while YOU decide HOW you want to live … and not the bank or its servicer deciding HOW YOU SHOULD LIVE (broke and homeless in a tent city somewhere). To the banks, it’s a numbers game. You’re just a number. Don’t you just hate that thought?

I like what I’m building now, because the house is made out of steel SIPS panels. The walls are 4″ thick with EPS foam insulation and have 6″ in the roof. The panels are made from 26-gauge Galvalume® steel, sandwiched around the insulation to provide airtight and watertight, non-toxic living! These homes are Category 5 hurricane resistant and have no termites because there’s nothing to feed off of within the entire structure itself. The structure will also save 50-60% on energy bills, which means nothing if you’re renting an RV space but everything if you’re on the grid in a fixed location. Yet, you can take this same concept and for way less money, construct a portable home that is energy efficient in almost any climate.

The alternate exit strategy here would be to downsize to something smaller more manageable or even mortgage free (having a free small home to live in, even if temporary, is better than having to pay rent), despite having to make a small land payment every month. At least, that’s manageable.

I did that very thing in 2007. Back in 2003, I acquired a 12-acre parcel of land, which I later sold at a handsome profit. By the time 2007 arrived, I had acquired a used, single-wide mobile home and fixed it up to the point you couldn’t even tell it was a mobile home when you set foot inside. I had a land payment of $222 a month for 10 years for almost an acre of land. I lived in that mobile home for 4 years and lived within my means while I continued to help homeowners fight foreclosure. I made use of the barter network too. I use this example to illustrate what a little imagination and creative financing can do to make you mortgage free. As part of the land sale in 2007, I had the buyer pay off all my existing debt and move the mobile home from the 12 acres to the 2/3rd’s acre and connect the septic and utilities and make the land downpayment. What the buyer couldn’t pay for in cash, I had him pay off using his credit cards and sweat equity on trade! How’s THAT for creative financing? There are ways to do a lateral move that will cost you way less money if you’ll just strategize HOW you’ll get there, HOW LONG you’ll stay in that situation and HOW you’ll survive while you’re in that situation. I made it work, so can you.

There are places where land is cheaper to acquire and many times, owners will finance it if you have any kind of down payment. You might have to relocate to a different part of America but if you’re in a situation where there’s no income in one given area doesn’t mean there won’t be in another. You have to do your due diligence. Maybe the market you’re living in has outlived YOUR usefulness and it’s time to seriously seek out greener pastures.

BEING NOMADIC DOESN’T MEAN YOU’RE A GYPSY

There’s other interesting ideas about being nomadic:

  1. One could go “off grid”, so to speak, because the utilities used to power a portable home are rented and not in your name (for cash);
  2. One could remove the SIM card and battery from a cell phone making it difficult for one’s movements to be tracked or contact traced (or get disposable burner phones) and only return calls from a central number, like that of an answering service;
  3. If a given state allows a property to be placed in a land trust, putting the property in a trust name that can’t be tracked to an individual personally serves as an asset shield (vehicles can be put into trusts too);
  4. One could easily turn a portable home into a Faraday cage with very little effort, especially if it’s built out of steel SIPS panels;
  5. There are ways to disable a vehicle’s GPS system so the vehicle can’t be tracked (if it is equipped with such);
  6. The nomad is mobile and can navigate into areas under quarantine for any reason without too much difficulty and still conduct business;
  7. Since the nomad would travel with the home, it’s always close by and easier to monitor no matter where the location;
  8. There’s nothing stopping one from taking “extended vacations” when not tied down to a mortgage loan;
  9. The vehicle and the home it’s tied to is 100% owned and not mortgaged; and
  10. The idea of being nomadic is that life is too short and should be lived to the fullest when not being encumbered by the problems of the world.

It’s really hard for most people to come to grips with the fact that everything in life is temporary and that we only have it for a short while. The thing is … one of the oldest principles my dad taught me was to pay for what you want with cash and not use credit. Credit could become the devil’s playground if not used wisely.

While this may seem extreme to some, I’ve known folks who have made a living working flea markets all over the country and have managed just fine. They’ve figured out a way to sell collectibles or some other disposable product and make a living out of it. Many set up accounts on eBay and you’d be surprised how many single moms actually go to the garage sales and flea markets, buy a lot of items in bulk and sell them online at a huge profit. It’s a great way to navigate and make an income during a lockdown. People get frustrated when they’re cooped up, so they go online and shop, many times buying stuff they don’t need. Conversely, most Americans are so frustrated and upset because of the political climate that surrounds them they miss opportunities that are right in front of them because they worry about things that are beyond their control and it consumes them.

The one thing about being nomadic, you only need internet access to run an eBay account. If anything, I might add that there are mechanisms the government can use to track a person’s income, especially if they had an eBay account. But no one said someone couldn’t run it as a home-based business and take advantages of all that Uncle Sam’s tax deductions have to offer. Ponder that for a minute. I know a guy that worked out of a satellite postal store for years, re-established credit in the name of his business and paid no income tax because he didn’t make the minimum required to even file a tax return. But this is why “the system” keeps toying with the idea of a cashless society, so it can track every single movement and control the individual. Doesn’t that kind of sound like Communism to you?

And just look what’s going on in Russia today. The country has a huge underground economy and a lot of organized crime that has taken over government. And the sheeple here do not realize what they’re in for. Concern for your safety should also drive your thought process when it comes to the “end game” as to where to relocate to start over.

The beauty of an exit strategy is … you have the opportunity to reinvent yourself.

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THE LESSER OF TWO EVILS

(Op-Ed) — The opines here are never construed as legal advice. They’re just a bunch of IMHO’s with a little common sense thrown in!

I received an email from a fellow in Ireland (County Kildare to be specific), wishing to order a copy of Clouded Titles. I was rather taken aback at why someone from “the other side of the pond” would want to order a copy of this book. Further “enquiry” (which is the Irish term for our “inquiry”) did elicit a response I wasn’t expecting … that Irish citizens have taken up a resistance to the same chicanery by the banks and their barristers there! They apparently have discovered that the notes and the public records don’t make sense and word has it, they’ve even caught barristers lying to the judges in court in trying to steal peoples’ homes in foreclosure … and apparently, there is a movement afoot to expose the entire fracas!

Never having direct exposure to their “system of things”, until I make further enquiry into that country’s dilemma, all I can determine for a certainty is that Ireland has a housing shortage of over 100,000 units and now their foreclosure processes have kicked into gear and have been for some time, with Ireland in lockdown (worse than California). Imagine Ireland with no pubs open? Oh feck! No Guinness? (… and their Guinness is sooooo fresh over there you can’t hold a candle to what we drink here.)

Since we have the International Monetary Fund (IMF) in existence, I can only surmise that the same foreclosure scandals are happening in hundreds of other countries across the globe. Many years ago, a fellow in Australia emailed me to tell me the same securitization crap was happening there … and in Western Australia, they’ve now legalized forced inoculations where they can literally seize you, take you to a private location and strip you naked and stick a needle in your butt! The shapes of things to come.

Now Dr. Anthony Fauci (the alter ego of Dr. Josef Mengele), wants to have a federal mask mandate, flip-flopping on his previous agenda that wearing masks aren’t going to help stop the spread of coronavirus. In fact, there are suppositions about that a “federal lockdown” of the U.S. may occur if a certain presidential candidate gets elected. I shudder to think this country could survive another mandated lockdown without some sort of civil unrest the likes of which were previously precipitated by bad police behavior.

The City of Punta Gorda, Florida’s city commission opted to put a mask mandate into place, forcing everyone to wear a mask when entering a place of business. Guess when it expires? November 3rd. What does that tell you?

By now, with the Hon. Amy Coney Barrett officially sworn in as the new U.S. Supreme Court justice (and the party line dictates and political bitching that ensued), pre-election, we can either say that the President (Trump) was doing his official Constitutional duty or conservatively stacking the deck in favor of a majority of folks he thought would lean to the right. Given the responses of Judge Barrett, I’m not so sure she’s not a right-thinking moderate and will be an asset to the discussions surrounding all of those diatribes that the Democrats have attempted to scare the population with. After all, she does have children of different persuasions. I get her belief system and her compassion, rooted in family values, but taking exception to individualism. The Constitution guarantees the general welfare; not the rest of everything that’s been thrown at us since 1913.

Come November 3rd, no matter what political leaning you subscribe to, it is a fact that the President can attempt to dictate public policy, but COVID or no COVID, this country was doing exceptionally well before the bioweapon hit the U.S. Weigh the consequences before casting your vote. Further, the President doesn’t make the laws. As the country’s chief executive, he can make suggestions, but he’s not the one that votes “Yea” or “Nay” to get it done. He only signs off on what Congress has done if he agrees with its decision. People spend too much time watching the 3-ring media debates, technically geared toward socialist policy, in an attempt to further the Hegelian principle I spoke of in a previous post … create a problem, spread the fear and confusion surrounding the problem, with a solution already in the works, created before the problem occurred with the intent to invoke the solution, claiming the sheeple want it and thus are entitled to have it.

The issues surrounding the political climate in America are generated by those inside the Beltway … in my book, with sinister intent.

Verily I say unto you … if government agents provocateur weren’t involved, you wouldn’t have securitization, which allowed the banks to play in the secondary mortgage markets with the ability to make gobs of money off the backs of hard-working Americans … nor would you have a virus that was sent to Wuhan, China with $3.27-million of our taxpayer dollars for further “cultivation” and subsequent release on the world by a not-so-transparent government monster. In both instances, the U.S. government was involved in some way. And our Congress thinks we should open our doors back up and deal with China? I personally believe protectionism (i.e. border walls, bringing manufacturing jobs back to America, rebuild the infrastructure) is what this country needs right now because we’ve got too many of our own problems to deal with here rather than trying to “buy our friends” elsewhere for the sake of political expediency … using our tax dollars to do it with.

The Foreclosure Defense 101 Workshop is now available on demand. For the average person out there who will soon be or is now at risk of losing their home, this is a token investment in your future. If you don’t get an answer to your growing concerns over “fight or flight”, you will after watching this recorded 4-hour webinar and reading all of the PDF handouts you get in your inbox! We even talk about the dirty tricks played in court against homeowners who don’t understand HOW TO fight and how the average litigant should counteract. We’ve even included extra “stuff” not included in the syllabus, which you can read on the Clouded Titles website!

Recognize that no matter WHO you think is really in the driver’s seat come November 4th, your vote still matters … the moratorium is still going to end … and we’re still facing another foreclosure shit show!

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Letting the banks “get away with it” …

(BREAKING NEWS, OP-ED) — Part of what we’ll be discussing in the upcoming Foreclosure Defense 101 Workshop on Saturday, October 24th between 10:00 a.m. and 2:00 p.m. (EDT) is affidavits … in general … and specifically regarding lost notes and assignments.

To further this discussion, I did some heavy research after seeing a Law.com post about a Pennsylvania “lost note affidavit” case and upon review, found what I was looking for … and the results were shocking!

On Page 2 of this 12-page opinion, the borrower (Rao) mortgaged the property and gave MERS nominee status on behalf of SunTrust Mortgage, Inc. That was in early 2006. Notice the following sentence … “On or around April 22, 2013, SunTrust discovered the note was missing from their vault and David Aken, Vice President, executed a Lost Note Affidavit.” Two years later MERS, assigned the mortgage to MB Financial.

Without looking at the assignment, I’ll bet you the servicer’s employees drafted and executed that assignment and it all followed Rao’s alleged “default” on his mortgage (March 1, 2011). That means it took SunTrust two years (April 22, 2013) to discover it didn’t have a “note” in its vault. Could it be that the note was shredded after it was uploaded into the MERS® System? At the bottom of page 2, MB Financial claimed it was in possession, either “directly or through an agent” of a “Lost Note Affidavit”, maintaining it had the right to foreclose on the mortgage.

Now we go to court … MB Financial’s attorney brought in a witness from SunTrust’s “default” department, attesting to the fact that a “Lost Note Affidavit” existed with a “copy” of the note, which contained no endorsement page. Gee, the author wonders how they got a “copy” of the Note if it was lost … Hmmm. Did anyone bother to ask why that was so? How can you negotiate a “note” if only a “copy” exists?

The bank also submitted a certified copy of the Assignment of Mortgage, assumedly drafted and executed by SunTrust to MB Financial. The trial court sustained Mr. Rao’s objection to the Lost Note Affidavit based on hearsay and refused to allow it into evidence, in addition to the admission of the Limited Power of Attorney.

The confusion begins where Mr. Rao (assumedly through his attorney) first made an oral motion for a Nonsuit and discussing with the judge the difference between a Nonsuit and a Directed Verdict, which the Court then entered on behalf of the homeowner. The Directed Verdict was later changed to a Nonsuit in favor of the homeowner after the bank filed a Post-Trial Motion. The next paragraphs … read them carefully because they contain the “nuggets”, in which the objections were sustained in favor of the homeowner.

Understand that was this entire matter was over was the differences between a nonsuit and a directed verdict and what the evidence could otherwise prove or show. Because the Trial Court precluded the Lost Note Affidavit from evidence, MB Financial couldn’t prove “possession” of the Note. But could it “prove” its case anyway if it only had a “copy”?

This is where it helps to know local court rules (or at best, state rules).

What you’re seeing in this case is the roundabout, typical argument that banks always use in getting their lost notes “re-established” to make them “stick” as evidence at trial. Why then, did it take SunTrust so long to discover it had no note? Was it because it wasn’t until after 2011 that Rao didn’t pay his mortgage loan and someone went looking for the documentation? Why did it take so long to discover the original note wasn’t part of the collateral loan file? The Superior Court ruled that as long as the witness can “provide sufficient information relating to the preparation and maintenance of the records” to justify their trustworthiness, they should be allowed into evidence as business records.

However, there is no mention of proof of the default. Since MERS was involved, the note had to have been securitized into a REMIC trust, which was commonplace during that time. The author sees no evidence of any default argument here, but rather, a business records exception argument.

Also notice that the Court declined to analyze whether the contents of the Lost Note Affidavit complied with the statutory “sufficiency requirements” and reversed and remanded the case for a new trial. That means MB Financial “gets another bite at the apple”.

And this is why we’re going to cover the affidavits per se in our upcoming workshop. The basis for creating an affidavit is personal knowledge and how and when “things” got lost, stolen, misplaced … or even created in the first place!

You can sign up for the workshop on the Clouded Titles website!

The author of this post is not an attorney and offers this constructive analysis for educational purposes only.

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FORECLOSURE DEFENSE 101

(BREAKING NEWS) — Registration for this year’s “foreclosure defense” basics workshop is now open!

THE FORECLOSURE DEFENSE 101 WORKSHOP

This workshop will be held online via a webinar format (GoToMeeting), which automatically records the entire 4-hour presentation so you can watch it over and over again after the workshop has ended!

The downloadable flyer contains the entire syllabus, which represents the tools you’ll need to fight a foreclosure, whether it’s judicial or non-judicial in nature! Plus, the registration form is also included (when you read the Registration Form, you’ll know why we’ve included it).

This live event is hosted by Clouded Titles author Dave Krieger, who will feature California attorney Al West (who Dave has co-authored two different books and DVD video sets with) and R. J. Malloy (Dave’s retired attorney co-host on City Spotlight – Special Edition on WKDW-FM), a 9-year-tenured law clerk for a former U. S. District Court judge! One better … Ron Gillis will also be joining us in studio (live from Florida) to discuss how he has been able to stave off a bank foreclosure on his home for over 12 years!

Plus … we’ll be covering courtroom procedures and protocols, which is something we didn’t normally cover in our previous classes … a new addition which promises to add some serious “spark” to your foreclosure defense campaign to stay in your home!

THE BIGGER PICTURE

The foreclosure realm is like one big sandbox. You’re in one corner. The judge is in the corner to the right of you. The foreclosure mill attorney is facing you in the opposite corner, while the sneaky mortgage loan servicer’s “witness” is hiding behind his COVID mask in the corner to your left. Once you know WHO your opponents are … it makes it easier to know when and where to “kick the sand”. In this author’s world, no one wants to “play with you” when you’re no fun to play with. No one likes bullies either … and that’s what the attorney facing you in the sandbox wants to portray, because they’ve got legal skills you don’t … yet. Our objective here is to keep the mortgage foreclosure mill’s attorney and his witness out of the sandbox (the courtroom) as long as possible … and when the time comes … how to kick sand in their faces (figuratively speaking of course)! It’s the only visual this author can really use to describe what you’re facing in today’s courts.

This author knows that retaining a foreclosure defense attorney is risky … and in this workshop, you’ll find out why that is so.

We will be providing you with extensive PDF files of court cases, diagrams, sample forms and pleadings and all the “stuff” you’ll need to study to empower you and your “game plan” while creating a Plan B exit strategy. The banks and their mortgage loan servicers would just love to see you out on the street, your valuables tossed to the curb by the Sheriff … something none of our online workshop guests want, especially with a virus running rampant.

In case you can’t attend the Saturday, October 24th online, 4-hour workshop, it will be available online at CloudedTitles.com shortly thereafter for your repeated viewing pleasure; however, we hope you’ll join us for the live event because you get to ask questions in our “chat box” about the tools we’ll be sharing during the event!

You must register in advance to get the link to the workshop the morning of the show, which starts promptly at 10:00 a.m., Eastern Daylight Time!

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