Tag Archives: corona-crisis

INTENDED USE OF PSYOPS ON AMERICA

(OP-ED) –The author of this post continues to do research into the “corona-crisis” and its resulting effects on the American population, including but not limited to, foreclosures and the next round of the nation’s massive land grab by the mortgage loan servicing industry.  Rather than concluding that any of this is legal advice, do your own research and validate “the truth” for yourselves. The next round of foreclosures is coming soon, so ’tis time to stop “drinking the Kool-Aid” and start thinking for yourselves. This article focuses on the intended use of “fear factor” psychological operations-type “conditioning” on the American public by high-ranking officials in our own government. 

FEAR FACTOR CONDITIONING THROUGH INTENDED PSYOPS (pronounced SIGH-opps)

You should understand that President Trump may have been getting bad “public health” recommendations from the hierarchy in the Centers for Disease Control (the “CDC”), Dr. Anthony Fauci and the National Institutes of Health (the “NIH”).  What has happened since the beginning of 2020 is what I call “the perfect storm” to intentionally increase public dependence on the government, especially through media regurgitation of contradictory information.  Forget about the “Q”, conspiracy theories or anything else that has led you to change what you consider “the new normal” (new norm). My research is indicating that the data involving the number of cases and deaths involving coronavirus, specifically COVID-19, are being manipulated to achieve a “desired result”.  Whatever the case, “psyops” is something you normally use on an “enemy” you are attempting to win a waging war with to mess with the enemy’s head.

The manipulation of data can occur for many reasons, the likes of which cannot be scientifically verified because the powers that be don’t want it to be verified:

  1. Altering data to show increased caseloads to make a public health emergency “necessary”.
  2. Altering data to show a “flattening of the curve” in order to facilitate a false sense of security.
  3. Altering data to show deaths occurring from COVID-19 when scientific research data may support a different conclusion.
  4. Altering data to suggest that a situation is getting worse in order to support a proposed “miracle cure” vaccine that should be taken at the risk of the public.
  5. Altering data to support a suggestion that we should “distance” ourselves from each other as a form of social conditioning.
  6. Altering data to support continued “fear factor” behaviors in American society.
  7. Altering data to support further economic damage to America to further political objectives.
  8. Altering data to support reasoning for world-based “agendas”.

LEAVING PEOPLE “IN THE DARK” IS ALSO A FORM OF PSYOPS

It has been said that when people don’t know the real truth about a situation, they cannot make an informed decision about that situation.  Does that sound about right to you?

What would happen if you were constantly fed disinformation or misinformation (including but not limited to contradictory information) for the intended purposes of furthering an intended consequence?  In other words, can the government hierarchy, especially those in the medical community, scare you into submission and make you do things you wouldn’t normally do under normal circumstances to further its own objectives?  Ponder that one when you vote this November, if America’s elections can be conducted constitutionally and not manipulated by those whose intentions is to further “condition” you into putting all of your faith and trust in a government that has continuously “failed” you at every turn.

If you are given false or contradictory information, you tend to not only make uninformed decisions, you tend to make decisions that support an intended government consequence/solution.

For example, let’s talk about wearing masks.  

The Centers for Disease Control started out by stating that you should only wear a mask if you’re sick or you feel you may have flu symptoms.  In fact, the scenario has been manipulated so much so, that the hierarchy in the medical community has made wearing masks fashionable.

In fact, the merchants of the earth, along with everyone who has access to a sewing machine, is profiting in some way making impractical cloth masks because the number of “real masks”, which should only be afforded to medical emergency personnel, is lacking and will continue to be lacking because of the “public panic” that has been created, especially among those 65 and older who are going to spend the rest of their natural lives “afraid” because they’ve been conditioned since World War II to always trust the government in all things.  However, they’ll bitch like crazy when Congress threatens to “f**k with their social security payments. The elderly, especially those living on fixed incomes, are the first to be swayed by psyops conditioning.

So, if the CDC says that wearing a mask does what the above picture shows, which came from the CDC’s own website (just so you don’t think I’m making this stuff up), then you should think about the intended consequence of altering what was “normal” before the corona-crisis hit and WHY the sudden shift in thinking.  Wearing masks over a long period of time causes hypoxia. THAT is also a known fact, yet people are wearing masks while they’re driving and getting in accidents because they’re passing out at the wheel due to lack of oxygen in a closed space.  The stupidity of some will inevitably harm others and there’s no accounting for everyone’s smarts in today’s gene pool.

Now we focus on the “contradictory information” about mask wearing, especially the information coming out of the well-funded (including Bill Gates) World Health Organization, whose knowledge of the spread of the coronavirus was known well ahead of its landing on American shores. To find out what the World Health Organization’s “take” is on wearing masks, CLICK HERE!

For those of you who don’t want to watch the short video, here is what WHO is recommending regarding masks:

  1. Before putting on a mask, clean hands with alcohol-based hand rub or soap and water.
  2. Cover mouth and nose with mask and make sure there are no gaps between your face and the mask.
  3. Avoid touching the mask while using it; if you do, clean your hands with alcohol-based hand rub or soap and water.
  4. Replace the mask with a new one as soon as it is damp and do not re-use single-use masks.
  5. To remove the mask: remove it from behind (do not touch the front of mask); discard immediately in a closed bin; clean hands with alcohol-based hand rub or soap and water.
  6. If you are healthy, you only need to wear a mask if you are taking care of a person with COVID-19.
  7. Wear a mask if you are coughing or sneezing.
  8. Masks are effective only when used in combination with frequent hand-cleaning with alcohol-based hand rub or soap and water.
  9. If you wear a mask, then you must know how to use it and dispose of it properly.

Understand what you just read … especially Item #6, which I highlighted (in pertinent part) for you.  Do you notice that WHO’s guidelines say nothing about wearing masks in public places or wearing masks if you’re healthy?  Why is WHO putting out information contradictory to what the CDC wants for all good-little “follower” Americans who want to be fashion-conscious?  Frankly, in my world, where I put truth above all things, my “Bullshit Meter” meter is peaking at 105%!  The reason that people continue to wear masks is because of psyops conditioning vis a vis the media, which is spoonfed by the government’s medical community that are supposed to be in positions of trust; however, with the contradictions here (in getting the story uniform), I begin to wonder who’s telling the truth and who isn’t, versus wearing masks in public by people who are genuinely insecure.  These same insecure people are also quick to point a finger and scold people who aren’t wearing masks because they’re insecure, even if the people they’re scolding are perfectly healthy.  For the most part, those who are sick and who risk exacerbating their already-existent health issues, need to stay home and let someone else do their errands.  They do NOT need to be roaming around in public wearing masks if they’re that afraid they’re going to catch something.  If COVID-19 doesn’t get ’em, the regular flu just might.

Who are we to believe?  

We have state governors that continue to make decisions for their citizens based on “suggested” recommendations from the medical hierarchy, with no scientific basis in fact.  Even Fauci himself claims that a vaccine to stop the spread of coronaviruses may be years away.  So … if all of a sudden … a vaccine appears and the CDC says “this is the one to take”, how many Americans are going to fall for that assertion?  It is a certainty … YOU HAVE NO IDEA WHAT IS IN THAT VACCINE!  Yet … based on the claims made by Fauci and the CDC, you’re going to let them inject some supposedly unapproved trial drug into your system?  And at what risk?  Fauci already admitted to the Senate that there may be negative side effects (including death).

Can someone please allow common sense back into their thinking?

Now ask yourself … do you normally go out into public places when you’re sick (fever, cough, chills, dizziness, body aches, etc.) … or do you stay home and nurse yourself back to health?  Yeah, I know. There are people who are sick and go out in public anyway.  Unfortunately, in every society of right-thinking people, you’re always going to have those who just don’t give a shit about their fellow man and are of the belief system that they have the right to go anywhere they want and do anything they want, no matter the consequence (i.e., Spring Breakers). Did you ever stop to think that the spread of coronavirus through Spring Breakers was put to good use as an excuse for closing all the beaches, where scientific evidence has proven that sun exposure increases Vitamin D production in the body and the exposure to sand and salt water increases exposure to microbes designed to help boost the body’s immune system?  Of course, THAT scientific evidence wasn’t considered when all of the beaches were closed, right?  There has to be a way to “influence” people to make them think that going to the beach could be hazardous to their health, right?  What a better way than to make certain “shows” of “poster children” like Ireland Tate (and the kid whose father rejected him when he went home to New York and told him to go away) to influence closing beaches with no scientific basis in fact.  If people are going to get sick, they’re going to get sick, no matter what they do or where they go.  Second wave or no second wave, America has been crippled financially … and this is one of the effects of biological warfare as an intended consequence on America.  False flag attacks have killed Americans before and it is expected that this could be lumped into that same category as 9-11.  The problem is … since we know the NIH funded the Wuhan lab’s research in part … the U.S. government is partially responsible for this biological attack on its citizens … and I hear no one screaming at their Congressperson about holding hearings and getting to the truth of the matter.

EVERYONE WANTS TO BLAME SOMEONE FOR THIS “PANDEMIC”

Now understand the “appearance” of what cause and effect behaviors occurred within the American population based on “suggested” recommendations from the aforementioned parties. For starters, Americans like to play “the blame game”.  Go to Facebook and read the posts.  The “blame” is there.  It’s all Trump’s fault.  It’s all Pelosi’s fault.  It’s all some bureaucrat’s fault.  It’s all the bank’s fault.  It’s all the government’s fault. It’s all the Democrats’ fault.  It’s all the Republicans’ fault.  But … it’s never YOUR fault, right?  It’s just your misconception of something based on someone else’s political agenda that’s been drummed into your head.  However, much of what I see, even among family members … is we’re blaming each other based on our own insecurity!  Weren’t we “secure” before this whole crisis started?  Then what changed?  **your mindset**

In fact, if you look at the statistical data we actually do have available that might be plausible (even if it was manipulated), was the “pandemic” a “false flag attack” on America just to influence a political election cycle?  America has a population of 322-million people.  Of those, .005 percent were reportedly “infected” with the coronavirus and the mortality rate was only .06 percent of those infected. The rest are assumed to have recovered from it based on their body’s immune system’s ability to fight it.  Otherwise, why is the government wanting everyone who recovered to donate plasma so they can create a vaccine from it?

The governments, both state and federal, will obviously take issue with me saying that the “pandemic” was an intentional means of psyops in order to influence the upcoming 2020 elections; however, I base my statement on claims Fauci made that the Trump Administration was going to experience a pandemic during his first term in office.  Could this mean that President Trump might not be re-elected because he relied on false data provided to him by his own advisers in setting forth a plan of action?  Could it be that President Trump was purposefully given false information and misled by his own advisers, who make up some sort of Deep State ideology to sway America into their “vaccination” agenda, so we can chip everyone?  No … I do not believe Trump is the Anti-Christ so you can “get off that wagon”.  Trump is a CEO.  He’s a businessman.  Politicians don’t like him because he’s NOT one of them (liars, cheats and thieves).  Every President since John Kennedy has been accused of groping someone or making unwanted advances.  This is nothing new in American politics and that won’t change now … so don’t expect it to.

For those of you who did not have a chance to watch the video with Dr. Judy Mikovits, you can watch it HERE!  Someone has to make sense of the science … yet no one seems to want to (or has the ability to) read between the lines … so the psyops must be working!

WE HAVE TO “SCARE” AMERICANS INTO OUR WAY OF THINKING! 

Over 30-million Americans have lost their paychecks completely.  Compound that with the uncertainty of potential medical catastrophe and you have a great blend of scenarios for creating a “nanny state” because most Americans believe everything their government tells them.  Again, I go back to the announcement that Bruce Springsteen made to a concert venue full of spectators, “Blind faith in your leaders will get you killed!”

Remember “Scarecrow” from the movie The Wizard of Oz”?   “If I only had a brain.”  

Apparently, the hierarchy in the medical community thinks most Americans will believe anything they suggest.  Here’s an optional thought … what are your chances of death if you jump off the observation deck of the Empire State Building?  Would your death be quick … or would it be slow and painful?  Remember, it isn’t the fall that kills you … it’s the sudden stop at the end!  Like lemmings running off a cliff into the sea and drowning.  They have to be scared into doing it, right?   If you want to steer Americans into believing a certain way, create a scenario that influences their way of thinking. Then come up with a solution (or a patsy).

I point to what happened during 9-11.  Remember all of the Americans that wanted to go over to Iraq and blow Saddam Hussein’s f**king head off?  How f**king Patriotic is that?  And we call them “heroes”.  Were they misled too?  Where were the weapons of mass destruction?  Did we find any?  Did we “plant” some so we can say we found them?  I’m not being disrespectful to those who served because I served during Nam.  I’m trying to get the logical part of your brain into right thinking again because we’re being conditioned to be “followers” because of the pandemic that might not have been what they said it was.

Remember, 100,000 Americans would not be dead if we were told the truth in a timely manner.  We wouldn’t be blaming everybody and his brother for not acting fast enough.  And now we’re letting those same hierarchies tell us what to do and create new “norms” for us … and blame each other for our own insecurities in the process.  Seriously?

If you haven’t figured it out yet … MIT scientist Lydia Bourouiba’s video imaging studies revealed that the two main components of a sneeze show a shower of larger droplets can extend up to two meters from the person sneezing and a cloud, made of a mixture of smaller droplets suspended in moist, warm gas, which  contain pathogen-bearing droplets, can be suspended in the air for not just seconds, but minutes … and can travel up to 27 feet.  So cut the 6-foot social distancing crap and wear a f**king mask if you’re coughing or sneezing … or stay the f**k home … and quit bitching at everyone else for your own insecurity. Remember who “conditioned” you to behave that way!

THE FINANCIAL DISRUPTION IN THE MORTGAGE MARKETS

You knew I’d get to this part at some point, right?  People want to know about foreclosures and what the federal and state governments are going to do to stem the tide of foreclosures as the result of people not making their mortgage payments because they’ve been furloughed or terminated because of conditions beyond “their” control.

I would ask that you take a few minutes and observe my second YouTube posting Foreclosure Defense in the midst of the corona-crisis, Part 2, for an explanation of what to expect from the mortgage loan servicers when the moratoriums are lifted and what you should be considering now, while you still have the opportunity to make rational decisions based on facts and not suppositions.

At some point in the near future, I’m going to be doing an online webinar on foreclosure defense, since none of you want to hang out with me in a hotel … I’m thinking here because you’ve assumed that you’re going to catch the COVID if you travel, despite what the airlines and the travel industry are telling you as to how safe it is to travel now.  Thus, rather than take up your whole time throughout an entire weekend, I’m going to offer a 4-hour online webinar that you can subscribe to and watch at any time you have an opportunity … priced at a discount, rather than making you pay the usual fees, plus travel expenses, for attending a workshop in a live setting and being apprehensive the entire time you’re there (in other words, I don’t want to have to educate a bunch of mask-wearing followers … you have to be able to “think outside the box” to survive what’s coming).

In the webinar, I’m planning on covering the following, from a paralegal aspect of Foreclosure Defense, considering I’m NOT an attorney but I have every bit of capability to do intake and evaluate your options “out loud”, without giving you legal advice:

  1. Pre-foreclosure options … know what “they” are going to offer and plan for it.
  2. Taking notice of what’s coming (and what to expect in both judicial and non-judicial forums).
  3. False assumptions appearing real … don’t expect a positive outcome unless you work towards achieving it.
  4. Determining responses and response times (default judgments will kill your opportunities because you’re in a state of denial).
  5. How paralegals evaluate what to write in the way of responses based on judicial foreclosures.
  6. How paralegals determine what potential causes of action are necessary in non-judicial foreclosures “to head ’em off at the pass”.
  7. Writing effective responses (from a paralegal’s perspective on what and how to write responses … we’ll be spending a lot of time on this section).
  8. The forums have shifted … judges entertaining motions in a live setting versus Zoom®.
  9. Options for a “good offense” versus always playing the victim.
  10. Evaluating chain of title for defects related to foreclosures.
  11. Case reviews of what has worked and what probably won’t work.
  12. Preparing for oral arguments … because the opportunity may come.
  13. Making use of witnesses and expert witnesses (in depositions and at trial).
  14. Making use of discovery in both judicial and non-judicial settings.
  15. Plan to fail … and you will fail: Discussions centering on PLAN B.
  16. Additional research tips to help formulate your “plan of attack”.

In this webinar, you get to ask questions online.  And there’s no such thing as a “stupid question” … only the response matters.  What we won’t be doing is discussing YOUR specific case because the variables may be different from others’ cases and we want to focus our attention generally on what matters most.

As an extra added bonus, I may have a guest attorney, an expert witness or other legal professional appear with me on the webinar, so you’ll be getting some pure, legal acumen in addition to how paralegals deal with foreclosure defense cases.  Remember, the best defense is a good offense.

We will also have hand-outs for you as part of the online class, which we will send in .pdf format to your email address you used to subscribe to the class with.

If you don’t know your rights … you don’t have any.

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LET THE GAMES BEGIN, PART 2

(OP-ED) — None of this is legal advice and should not be construed as such.  It’s an IMHO diatribe that posits the simple question … have you had enough of this “quarantine”?  Answer that question … and you open up a whole myriad of “mental disturbances” that have yet to surface as well as further dredging up of those deep-seated isolationist/protectionist values. 

With all of this “free time” you have … I’m pretty sure you’ve taken some of it up with analysis of exactly what you’ve accomplished since you were told you had to “self-isolate” (quarantine) … as if you were sick … but you really weren’t. I think we can all recognize that this so-called “quarantine”, which is technically supposed to be for “sick” people, was expanded beyond the point of common sense reason and logic.

HAVE WE BEEN PROGRAMMED TO DO THE GOVERNMENT’S BIDDING?  

And what else did you do with your “down time”?   How many watched the news on TV regularly?  How many got your news off of posts on Facebook?  As diverse as the channels of medium might be, we sucked up data through the “straw of the information highway”, at a pace similar to drinking a gallon of Kool-Aid in one sitting.   Most of us (I must admit) have been somewhat careful with how we conduct ourselves; however, this comes with caveats because like me, many of you can only drink so much of the “Kool-Aid” out there before we start getting a “sugar buzz” (if you get my drift).  Impatience levels are probably at an all time high at present.  This is when patience is called for more than anything right now, more than should be expected from any law-abiding American.  This is a time where over-reacting could be fatal to the human system.

Most of us will also agree (without my prodding) that politics never stopped rearing its ugly head during this entire time of isolation.  In fact, it’s increased in the subterfuge of things.  It’s amazing how arrogant the banks were during the foreclosure crisis in 2008.  Now the medical community that governs how we think about “treatments” and how much we should participate has also gotten so arrogant that it has allowed members of its hierarchy to become emboldened in its policy statements:  CLICK HERE! (But I warn you, prepare to be shocked!)  And this short clip is still on YouTube!  Why didn’t YouTube take THIS down?   This video presents a veiled threat to all of America!

Anyone can learn anything they didn’t already know simply by going on YouTube. Hell, Clouded Titles has a YouTube Channel. YouTube has become a mechanism for transmission of social marketing ploys, which, if not properly taken in context could be the means by which America’s (and the world’s) deterioration of  “family value systems” become a real possibility.

SO … WE’VE ALL BECOME ISOLATIONISTS?

Imagine this so-called contrived “lockdown” lasting six months or longer.  Could you actually survive being told you had to “stay in place” or “shelter in place” longer than we already have?  Would being “ordered” to “stay at home” because it was the safer thing to do be prudent … or would running around the countryside connecting with nature be more important than not getting what the media has programmed you to believe was a deadly virus?  It’s a mixed bag of responses, whoever you talk to.  However, a majority of the folks that were ordered to “stay put”, did. That’s the irony of it all. We were told to do the “patriotic” thing. Could it be that the powers that be knew we’d have our asses parked in front of the TV set, soaking up disinformation and misinformation to the point we either (a.) “grew a pair” and made a decision to rebel against the system in our own way; or (b.) capitulate and drink more Kool-Aid in anticipation of that all-important safeguard: the vaccine!  How many people do you think will take the vaccine?  And how do we know that each vaccine given doesn’t contain a nano chip?  We can be tracked and hunted like dogs … and who wants to be part of that as an “end game” strategy?

During this time of lock down, we’ve either marginally tested the limits of (or fully became)  obesity, alcoholism, domestic abuse, obsessive-compulsive behaviors,  sexual dysfunction, internet absorption, conspiracy theory and potential self-destruction by suicide.

Now … I know many of you used this time to remain productive and got to work from home.  Ah, the wonder of technology.  But we’re so used to social interaction.  When we finally get let out of our cage, we seem to have to relearn all of our old social behaviors.  Many of us still don’t trust “what’s out there” waiting for us, given the fear of a second wave of the coronavirus running rampant and taking a much higher death toll this time as we wait for the “vaccine” that: (a.) may not work at all; or (b.) may contain side effects, side effects that may even kill us.  Or then there’s option (c.) … the vaccine contains a nano-chip in it that once implanted (without our knowledge) will have to be surgically extracted if you want to be able to go anywhere without being tracked.  This will get old to a lot of people very quickly.  Given those choices …

HOW ARE WE SUPPOSED TO VIEW THE CURRENT GOVERNMENT BUREAUCRACY?

Now that the medical echelon has manifested itself and left us all with uncertain options, how are we supposed to trust the performance of the World Health Organization, Dr. Anthony Fauci and the Centers for Disease Control?   I’m having a difficult time rationalizing why the information stream was muddled up enough to cause mass confusion, let alone mass panic.  Was all of this contrived for the purposes of the implementation of a “higher agenda”?

I’m still having a hard time with this “mask” thing.  First, we were told not to wear masks unless we were sick. Then everyone was told to wear masks.  Why the about face?   Exactly what purpose does wearing a mask serve, especially if it’s a hand-made, low-quality, cloth mask that germs can penetrate both inside and out?  Why wasn’t all of America provided with N95-grade level masks if the government was so worried about it?  Why as Americans were we told to start preparing for the worst when the first outbreaks were reported in Washington State?  Could it be because Deep State counterparts in this country have “bigger plans” for all of us that even President Trump doesn’t know about?  Deep State consists of a lot of the intelligence community, who, along with its British counterparts, is looking into a severe drop in cellular communications at the Wuhan Institute of Virology in October of 2019.  Why are they focusing on the lab?  Because the cellular activity inside the Wuhan wet seafood market remained constant, that’s why.  This is why America has all of those spy satellites floating around in the ionosphere. And don’t think for one minute they can’t spy on Americans … because they can.  That should make you all feel “safer”, right?

Then, the medical community and the media told us to ignore the rants of Dr. Judy A. Mikovits … and social media and the “debunkers” all came out of the woodwork to demonize her, yet most of them were not scientists. They all attempted to portray Mikovits as a self-serving liar.  They attempt to dissuade your thinking by making you think that her statements on her video were that of shoddy journalism, when in fact, Mikovits was freely expressing her concerns as a “whistleblower”.  And we all know what happens to whistleblowers in America, right?  A: No one believes them.  B: Everyone believes them.  C: They are demonized to the point of disbelief.  D: They are silenced and/or “disappear” one night.

So I have to ask myself (which you should be asking yourselves too), “What has Mikovits said that pushed so many “hot buttons” that “they” (the medical community and Big Pharma) are out to “get her” through demonization and censorship?  Why doesn’t the media want you to know the “other side of the story”, if what she says is to be believed?  Don’t you feel you’re entitled to know all sides of the story before making a rational decision as to how to treat your future?

TWO-FACED CONFUSION?

Then, let’s not forget Fauci’s speech to the Senate:

  1. We have at least 8 companies working on a vaccine.
  2. We will need to develop more therapeutic testing.
  3. None of the vaccines being R&D’d right now are guaranteed to work.
  4. The vaccine may have negative side effects (like death or autism, maybe?).
  5. We started testing in January.

No one is paying attention to the timeline of events here (or at least the timeline is being downplayed). The timeline of events is exactly what we should collectively be discussing right now because we certainly aren’t getting truthful information from those we’ve entrusted to make sure we are informed.  You can’t make sound decisions based on: (a.) fear; (b.) irrational behavior; (c.) propaganda; (d.) false testimony; and (e.) outright deceit.

In my last post, we brought you immediate facts about implanting RFID chips into humans for the purposes of “convenience” (to allegedly replace “key cards”) in Arkansas, where legislation is being proposed to require employers to remove the chips within 30 days when an employee withdraws consent to be “chipped”.  The proposed legislation would also ban employers from refusing to hire prospects who didn’t want to be implanted with the chip.  I think this is only scratching the surface of bigger things to come.  Being “chipped” is something we should all be collectively discussing right now … mainly due to 4th Amendment concerns.  For those of you that don’t know what the 4th Amendment to the U.S. Constitution is … please go look it up and re-read it until it “soaks in”.  You can say all you want, “I’ve done nothing wrong.” or “I’ve got nothing to hide.”  But that’s not the point.  That is not what is going to matter in the future and you should mentally prepare yourself to watch for the signs of what might happen if chip implantation becomes a “requirement” and not an “option”.

What you would do if Revelation Chapter 13’s biblical prophecies became a reality?  Would you “take the chip” in order to be able to buy or sell anything?  Would you avoid taking the chip and become part of the black market underground/shadow economy (think post-Cold War Russia)?  Would you “take the chip” because you wanted to be a contributing member of the New World Order?  And just remember, YouTube didn’t take this video down either.

THE REALITY OF AMERICAN CORPORATISM 

There are some undeniable issues that we face in our future:

  1. A foreclosure pandemic the likes of which pale in comparison to 2008.
  2. Big Pharma making huge profits off of a vaccine that “may or may not” be effective in stopping a plague that we’ve all been “fear factored” into believing is some sort of uncontrollable super bug.
  3. Wall Street getting more bailout money in the stimulus packages than small “mom and pop” businesses.
  4. Unemployment levels that far exceed those of the Great Depression.
  5. The potential for civil unrest, insurrection and serious internal conflict (Civil War II).
  6. The usurpation of our Republic by those who seek to shift the balance of power away from America.
  7. A cashless, fiat society, where wealth is measured by labor output.
  8. Interment camps to house those who didn’t enter this country illegally as a means of mass indoctrination and potential extermination.
  9. The super surveillance society.
  10. Mutual assured destruction (or EMP, which will put us back into the Stone Age).

This is not a doom and gloom speech.

I have seen the potential for these issues to become a reality if good men do nothing.

Stay tuned for PART 3 … and may the odds be ever in your favor (remember who the enemy is).

 

 

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UPDATE: LET THE GAMES BEGIN!

(BREAKING NEWS – OP-ED) — The author of this post is a consultant and author of the book Clouded Titles (among other works) and posits the following for your educational benefit.  Any conclusions drawn here are NOT legal advice and should not be construed as such. 

WHEN PEOPLE MISUSE THEIR AUTHORITY … 

Thanks to Washington State Attorney Scott Stafne sending this ruling up through the academia.edu website, I now have it to offer to you so you can see what happens when people complain to their state legislators about the “lock down” and demand something be done to correct the “wrongs” against them.  In this case, it was the Wisconsin Legislature that took aim at that State’s own Health Services Director:

Wisconsin Legislature v Palm et al, 2020 WI 42 (May 5, 2020)

It is a rather lengthy piece; however, if you stick to the first few pages and the last few pages, you’ll get my drift.

It appears that the lead Defendant (Andrea Palm) gave quite the “hand job” (taking from the movie Irina Palm) signing off on orders against Wisconsin residents, declaring their “transgressions” in not adhering to state-mandated lockdown orders from her a criminal offense, punishable by loss of liberty and property, or both, without apparent authority to do so.

WHAT PUBLIC HEALTH EMERGENCY?

I am still trying to figure out a lot of things involving this “corona-crisis”, including but not limited to, what scientific evidence did these elected officials have (not discounting Ms. Palm, who in this case was NOT elected) to declare a public health emergency?  If you look at the stats, President Trump was right in the first place … “This is just a bad flu.”  The flu viruses of the past have taken more of a toll than the COVID-19 virus has, yet the hierarchy in government (Fauci, in tandem with the World Health Organization and the CDC) took it upon themselves to tell everyone, including state officials, that this was the “mother” of all flus, thus, creating mass panic.  There was no scientific evidence truly presented to the American people, only fear mongering exacerbated by and through the media, who are equally as guilty as the alleged “perpetrators” of this “scheme” to cripple the already-burgeoning American economy right before the November 2020 elections.  Don’t you think this is all a bit conspicuous, doing this right before the 2020 elections?

IS IT MARTIAL LAW? 

Without a formal declaration by the President of the United States, the “shadow government” could not move in and take over, implementing military rule.  This would have caused imposed curfews, more restrictive regulations when the curfew wasn’t in effect and widespread military “penetration” into the American countryside.  So, no, I don’t think it was martial law.  During martial law, habeas corpus is suspended as well … and I saw more inmates released from prison because the states didn’t want to be responsible for having to pay for their medical care should they become infected while incarcerated.  All the “markers” of martial law were not in effect, despite the fact that the “restrictions” imposed upon American society might have seemingly reflected that.

Thus, when the Wisconsin Supreme Court declared (on Page 19 of the ruling):

“… it is constitutionally impermissible for the legislature to authorize the head of an administrative agency to unilaterally compel the 5.8 million citizens of Wisconsin to stay home, close their businesses, and face imprisonment if they do not comply.”

… it still appears that the bitch got away with it!  And even though some judges on the state’s high court wrote dissenting opinions, they were in the minority.

I always thought that any order being issued by the Executive Branch of any government come from its leader. In this case, that would be the Wisconsin Governor.  But that wasn’t the case, was it?  Yet the dissenters came in and protested because the legislature itself suffered no harm, so why should it be granted status as a standing Plaintiff?  But wait!  Aren’t the members of the Wisconsin Legislature also human beings, susceptible as anyone else of getting COVID-19?  And here I thought that “we the people” elected these legislators to do our bidding and do what is right by the will of the people who put them there.  Am I missing something here?  Don’t we have a right to speak out against this kind of behavior?

I think the citizens of Wisconsin did … and made their voices loud and clear.  I’m just wondering when other states’ legislatures are going to follow suit.  I’m surprised more of these lawsuits haven’t happened already.

HOW DOES THIS RULING CHANGE ANYTHING?

It basically appears to mean that in Wisconsin, people can’t be arrested and jailed for violating orders issued by someone not in authority to make these orders in the first place!

This will not be the end of this story either.

THE FIGHT CONTINUES TO SILENCE JUDY MIKOVITS

The mainstream media continues to go out of its way to attempt to debunk the claims made in the video featuring Dr. Judy Mikovits, a whistleblower that has made some serious allegations against the hierarchy in the U.S. government.   Watch the clip HERE!

The only reason the mainstream media is doing this is because there is another side to the story … maybe one we’re not being told but was put there to force us to demand the truth.  It may be years before the truth comes out, if it does at all.

Whatever the case, the powers that be who put this whole scheme into motion have done so with the appearance of deceit, possibly in an attempt to sabotage the 2020 elections.  Whatever the case, no one upstairs is really talking … just demonizing.  Again, unless this video hit some “hot buttons” upstairs, why the severe moves to debunk what the video claims and delete it at every turn from every social media website?

UPDATE: ProPublica has decided to launch out with an article trying to debunk Mikovits. This is a link to Marshall Allen’s story:

I’m an Investigative Journalist. These Are the Questions I Asked About the Viral “Plandemic” Video. — ProPublica

The basis for the ProPublica article (according to Allen) was to “help people distinguish between sound reporting and conspiracy thinking or propaganda.”  I find that statement odd because the “Plandemic” video was not “news reporting”.  It was a presentation regarding a whistleblower.  Thus, the attempt to “debunk” a scientist’s “claims”, simply by saying that YouTube, Facebook and Vimeo “removed it from their platforms for violating their guidelines” (and it did not contain pornographic material), is not enough to convince me that something isn’t still suspect about the way the virus was “introduced” into the world’s population.  If anything, it clearly proved to me how biological warfare works and how writers who aren’t scientists shouldn’t be wading into waters they’re not qualified to “wade into”.

Ha! “Bad actors sowing discord” via social media … LOL …

Allen continues to take up the balance of his 6-page article attempt to define this video as a journalistic piece, which is where he strays completely away from the specific designation for the release of the video.  Right now, all of the rest of the story is “she said, he said”.  Then he relies on another source (PolitiFact), which is like letting Snopes “vet” something without investigating fully (by way of a grand jury) by prosecutorial means, whether all of the claims were true. You put people like Fauci in front of a camera, telling people there are 8 different companies making a vaccine but we don’t know if any of them will work or in the least, could have negative side effects (including death) … and couple that with Bill Gates’s way of thinking (that we should treat all humans like dogs and chip them all) … and now you have complete control of a population!

The Plandemic video appears to be a basic drawn-out “trailer” in my book. It’s not the end of this investigation.

Those of you out there searching for the truth are going to have the same suspicions about the furtherance of conspiracy theories coming into fruition, which means they’re not conspiracy theories after all if they end up coming true. Then … they’re reality … and come too late when you can’t control the onslaught of what is happening.

TRUMP SCOLDS FAUCI …

Dr. Anthony Fauci has served under previous administrations.  Now he’s serving under this one.  He made video comments prior to the 2016 election that a pandemic would occur throughout the world during President Trump’s first term.  The question is … how did he know that?  Why did he make that statement on camera?  Was it a prelude to his upcoming “agenda”?

First … Fauci and the CDC told people NOT to wear masks unless they were sick.  Then, they reversed that logic, telling everyone to wear masks.

People who wear masks while driving are as stupid as people who eat Tide Pods.  Yet people seem to be “drinking the Kool-Aid” and are locked down in a state of paranoia.  No accounting for Darwinism, eh?

People who are sick are quarantined.  In this case, whether you were sick or not, you had the “fear of God” put into you that if you got COVID-19, there’s no telling what would happen to you.  So, due to “fear of the unknown” … we all capitulated to the whims of government (at least most of us did) bureaucrats … all of whom were advising the President … all of whom made distinctive comments they couldn’t prove either way.  There was absolutely no scientific fact presented as to the statement “flatten the curve”, only to denote that the health care system in America is in total shambles.  The government’s ass puppets were all as “befuddled” and “uncertain” about how to treat the spread of coronavirus.  Hence, the reason why I updated this post from its previous version. How can you tell people what to do when you have no logical reasoning behind your statements?  What technically happened here … the powers that be relied on panic and fear mongering and not  past history … and ended up making a mountain out of a molehill while destroying America’s economy.

If you look at the timeline, Fauci also told the Senate at the recent hearing that the CDC was testing in January of 2020.  Wait a minute.  There were only 36 cases at the time the CDC was “testing”?   They hadn’t even declared a pandemic (the WHO) until mid-January.  Someone either has forgotten the narrative or something more sinister is going on here.  What “tests” did they have?  Why did WHO wait until it was too late to declare a “pandemic”?   Is is true that Bill Gates gives tons of money to the World Health Organization to further his own agenda?  THIS is something you need to pursue in your research because there’s a “chip” out there that might have your name on it! Arkansas takes stab at regulating human microchipping – Washington Times

If the foregoing article doesn’t scare the hell out of you, nothing will. Over time, the “brain deads” out there will accept the chip because they all want to be dutiful world citizens.  I’m surprised someone has incorporated a chip manufacturing plant and called their new product the “666 Chip”, just to screw with people.

You can hear R.J. Malloy and Dave Krieger “analyze” Fauci’s 4:57 video speech to the Senate on tonight’s (6:04 p.m. EDT) broadcast of City Spotlight-Special Edition on WKDW-FM, 97.5 in North Port, Florida and listen to it live in streaming content HERE!  If something strikes you funny, it’s because you too find it difficult to trust the government, the media or anything that any “talking head” spews out. One thing social media doesn’t want is for that “video”, which might have more than an ounce of scientific truth to it, running loose on the internet.

Remember what I said before … misinformation, disinfomation, mischaracterization and demonization.

 

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AMERICA BRACES FOR MASS FORECLOSURES AS ECONOMY RE-OPENS!

(UPDATE: SEE ADDENDUM TO THIS POST AT THE BOTTOM!)

(BREAKING NEWS — OP-ED) — The author of this post has spent the last 12 years researching securitization, foreclosure issues and other consumer-related, debt collection topics.  The opinions offered here are the authors and should not be construed as legal advice. 

FOR MANY BORROWERS, THE SHIT WILL HIT THE FAN! 

As expected, I’m getting backchannel feeds on the serious uptick in foreclosures, especially in the GSE-related foreclosure arena.  So here’s the immediate concerns, based on my current research:

  1. The government (through Congress) issued a moratorium on foreclosures due to the corona-crisis.  You can anticipate that it’s the calm before the storm because when the moratorium is lifted, the mortgage loan servicers for Fannie Mae, Freddie Mac, Ginnie Mae and conventional lenders have already made plans to ramp up on those lulled into a false sense of security. Congress will not interfere with the “pulse of the economic backlash” when it comes to the government’s own interests, FHFA or not.
  2. The mortgage loan servicers have been paying advances to the GSE’s REMICs (Real Estate Mortgage Investment Conduits) since Congress imposed the moratorium. Under their contracts, the servicers and/or subservicers  are required to pay investors the principal and interest on every loan alleged to be in “default” under the terms of the mortgages and deeds of trust these mortgage loan servicers are collecting payments from borrowers on that are allegedly contained within the REMICs.
  3. The longer an extended moratorium lasts, the more “in the soup” the servicers become because their surplus funds accounts they use to pay the advances with are being further depleted and they would logically be forced to “borrow” from everyone’s escrow accounts (“rob Peter to pay Paul”) to make good on their contracts, knowing full well that when (not IF) the moratorium is lifted, they will force the shit to hit the fan in order to foreclose, sell and reimburse themselves for all their losses.
  4. Those who have been able to make their mortgage payments every month despite the moratorium might want to check their escrow accounts to make sure they are solid and accurate and haven’t been “borrowed from” (the “robbing Peter” side of the equation). The servicers will emphatically deny they’ve raped every account they could grab money from; however, if notations aren’t made of the alleged “robbery”, how would the servicer actually know WHICH ACCOUNT they borrowed from, meaning the innocent borrowers who’ve made their payments every month will see a shortfall in their escrows, which could inadvertently put their accounts in default, which in turn could force borrowers to have to make up the shortfalls (through no fault of their own) to make up the difference to bring their accounts current.  This may be one of the reasons that Ocwen Loan Servicing and its parent issued $600-billion in securities to shore up their “advance” payments.
  5. Because the moratorium is set for 60 days out, whatever delinquencies occurred during that time will be calendared for default on that magic date I’ve talked about before … DAY 91!  Expect a rash of threatening letters from the mortgage loan servicers to borrowers in trouble as they push their collection activities forward another 30 days past the moratorium to hit that magic date!

DAY 91 FACTORS INTO THE ACCOUNTING, MORATORIUM OR NOT! 

It matters not whether you were given a “grace period” with this moratorium, the mortgage loan servicers are in business to make money by foreclosing on properties they can’t resolve; thus, if you don’t have a windfall to bring your loan delinquencies current, it will trigger DAY 91.

Prior to “DAY 91”, you may see the following actions taken by the mortgage loan servicers:

  1. DSNews is already reporting intended aggressive pricing on foreclosed properties to sell to third-party investors as quickly as possible.
  2. Anticipate MERS-related documents, particularly REMIC transfers and indirect transfers to the servicers themselves, as a means of justifying the upcoming foreclosures, which means those assignments are going to hit the land records just prior to the start of the actual foreclosure process.
  3. The faster the servicer can sell the property to the third-party investor, the faster it can convert title to the GSE “after the fact” and “lose” that REO inventory to the new buyer (with transfer of title) before the homeowner even knows what hit them. The GSE will then do a direct title transfer (through the mortgage loan servicer) directly to the third-party investor who will assume all risk of acquisition of a property stained by title issues.

THE GSE’S HAVE REMICS TOO!

One thing most people don’t realize (and this can be verified) is that the government sponsored entities set up REMIC trusts to obtain investor money they use to back the loans they guarantee.  If you’ll go to irs.gov and type in Publication 938 for 2009 forward in the search engine, you’ll see the listings (by quarter) LOADED with GSE-backed REMICs!  Depending on what year you took out your loan is the year you’d search for on that website, plus subsequent years in case your loan was traded into another related REMIC until trading stopped within the MERS System®.  The securitization process is a virtual “shell game” until the foreclosure starts and the roulette wheel stops on the particular REMIC the servicer is paying.  The servicer will then move toward the final DAY 91 objective … to cash in on the credit default swap, default insurance, PMI, LMPI or whatever other cash cow it can get its hands on to reimburse itself for all of the advance payments it made during the absent of the borrower’s payments.

In the meantime, Fannie Mae and Freddie Mac are now going to buy home loans going into the government’s forebearance program just after they close, something neither had done before, in order to provide liquidity to the mortgage markets so originators can keep lending.

So as not to keep regurgitating a point, I put a news story in the top link so you can see where the forbearance programs are headed.  The CNBC article (above) affirms everything I’ve been saying … as noted in the following paragraph:

“The four-month servicer advance obligation limit for loans in forbearance provides stability and clarity to the $5 trillion Enterprise-backed housing finance market,” said FHFA Director Mark Calabria. “Mortgage servicers can now plan for exactly how long they will need to advance principal and interest payments on loans for which borrowers have not made their monthly payment.”

So you see, the servicers took a gamble on the advances and went into the hole doing it … and the government is in bed with this.

Some friend the government is, huh?  They claim to give you relief yet who’s really getting relief?  The banks and their minions.  The Fed claims to have loaded $2.3-trillion into the economy, yet where did that money go?   Not into our pockets I can assure you.

Know this … no matter what administration is running the United States, the end result is the same … protect the government at all costs … screw the dumb-ass taxpayer who doesn’t know any better (the way “they” think).  These Congresspeople think they know more than you do. Could they be right?  After all, who’s the smarter … the ones who got elected or those who elected them?  Based on what promises?  The existing Congress, a majority of whom have been serving for decades, have done their best to protect their power bases while kicking the can down the road … in the name of politics.

And we collectively let them do it.  We have collectively fallen for their bipartisan, two-party, political crap.

Congress made a deal with the banks … to protect the banks … it’s in 12 United States Code … Banks and Banking.  Congress has repeatedly let the banks screw us.  And we collectively keep letting them do it.  When is the merry-go-round of craziness going to stop?  When we have a civil war?  Or maybe a revolution?  At the polls?  Or in the streets?

And we should not worry about the mortgage loan servicer’s accounting practices, right?

IF YOU’RE NOT IN DEFAULT, HOW IS IT THEY’RE TRYING TO FORECLOSE ON YOU?

All the while the moratoriums have been in place, the servicers were stuck paying the advances on the mortgage loans, whether borrowers paid their monthly payments or not. Now the piper is coming to collect. If you didn’t (or couldn’t) work out a forbearance proposal or loan modification during the time you were a shut-in, the foreclosure process (unknown to you) was probably on the back burner and now things just got fired up again.

Those in non-judicial states will be suffering more dramatically as they try to figure out how to cope with aggressive mortgage loan servicer activities in stopping courthouse step foreclosures by publication and sale.  These borrowers are in a definite time crunch as they don’t have the luxury of court hearings unless they create them through the filing of a lawsuit. That means money spent out of pocket in order to stay in the current “survival mode” we’re already experiencing as the economy starts to bounce back from quarantines and lockdowns.

Those borrowers residing in judicial states will ultimately “have their day in court”.  It will be a 90-120 day average by the time the case gets to trial.  Keep in mind that most courts will be closed until at least mid-July 2020, so the uptick in foreclosures will probably start after the 2nd quarter ends (in 2020).

But if the advance payments were being made … how is it you’re in default and the investors have been harmed?

That’s something the banks and their servicers say is not up to you to decide … as you don’t have a contract with the investors!

You have a contract with the originating lender, which in a securitized mortgage … is a corresponding lender!

And logically, you’re going to be searching the land records trying to find that pesky assignment, right?

But wait!  The servicer’s attorney’s are going to argue that you’re not a third-party beneficiary; thus, you don’t have a right to bring a claim against the assignment.  How is that relevant?  Your name is on the assignment, right?  The originating mortgage or deed of trust is referenced on the assignment, right?  Who said anything about being a third-party beneficiary?  You see … this is how the bank’s attorneys get the courts to agree with them, because your loan was securitized and you and the investor have no “nexus” or commercial connection to each other.

POTENTIAL SOLUTION … ATTACKING THE DOCUMENT ON DIFFERENT GROUNDS!

We are starting to see results in the use of the C & E (Cancellation & Expungement) Action as a viable way to throw a “monkey wrench” into the grind of the foreclosure machine.  The questions about this process vary but the crux is the same … what is it and how does it work?

In a brief step-by-step process …

  1. The borrower goes to the public record and obtains an office copy and one certified copy of the assignment(s) in question.  These are the suspect assignments, which may contain up to a dozen or so false statements and/or misrepresentations.
  2. The borrower then researches and procures evidence showing the statements contained within the assignment(s) are false and/or misrepresentative. You can bet that no right-minded cop or detective is going to investigate anything without being fully “briefed” on the subject matter showing why you believe the public record to be false and misrepresentative, constituting a felony recording under most state statutes.  Developing harder-to-find evidence may require the services of a private investigator.
  3. The borrower (still on title, generally) goes to the local police department and files a criminal complaint on the assignment(s). The complaint filing is designed to generate a police department case number.  The borrower can be expected to spend time with a detective or officer explaining the nature of the complaint, which is most likely going to be hand written on their complaint form. You can do this before or after you file (or respond to) a foreclosure action.  I generally prefer to do it BEFORE I file the action, that way, I can include the criminal complaint in my civil action for damages.
  4. I file a declaratory relief action against those responsible for the assignment(s). I would suggest following the criminal statute religiously and if applicable, couple it with the consumer protection act statute individually for the State (of the Union) I’m in, in a claim for damages.  I do NOT sue for wrongful foreclosure because the foreclosure hasn’t occurred yet.
  5. Make sure the other side’s lawyers get the criminal complaint included with the exhibits.  This not only lets the court know a crime may be connected with the foreclosure filing, but that the attorney for the servicer may be held as an accessory if they keep trying to insist the document is legal. No right-minded attorney, bank lawyer or not, isn’t going to risk being disbarred for going up against a criminal complaint.  If anything, it will certainly “shake them up”, possibly forcing a settlement.
  6. Make sure all parties (the party who prepared the document, the party who executed the document and the party who notarized the document) are served.  I find suing the servicer themselves is a moot issue if the foreclosure hasn’t occurred yet.  If the servicer sues and you find the assignment in question was prepared or ordered by the servicer or its law firm, then the law firm, if it prepared the assignment(s) are also named defendants because they knew or should have known that the information was false and/0r misrepresentative.  Include the law firm and the lawyer who prepared the document in the criminal complaint.
  7. If at all possible, keep the civil action and the criminal action going simultaneously.  Do not drop the civil complaint if the DA decides to prosecute the document and those responsible for creating it and recording it, in violation of the penal code.  By dropping the civil complaint, you’re sending a signal to the DA that you’re not serious about pursuing damages.  Two-pronged attacks are better than one.
  8. Prepare your deposition list.  You’d be surprised once you start moving for depositions of the parties involved they don’t come at you with a settlement, rather than risk a criminal complaint against them moving forward, thus reinforcing the civil action in the judge’s mind as being even more legitimate.  Do not hold back on the other side’s lawyer if the law firm prepared the document(s) that are suspect.
  9. Follow the court docket religiously.  That means twice a day for the entire duration of the lawsuit. Once in the morning and once in the late afternoon, before the court closes.  The other side will wait until the last minute to file stuff to screw with you, especially on Friday afternoon, when they can buy time over the weekend to screw with your calendar (your time off relaxing) and your ability to respond to their motion or brief.
  10. Be prepared for oral argument.  You never know when you’re going to get called into a hearing to determine the validity of your lawsuit. The judge may also query law enforcement to see what they’re doing about your criminal complaint.  In one instance we’re aware of, the local police department forwarded the complaints to the DA … AND the State Attorney General’s office for follow-up!  Also, make sure you have expert witnesses lined up that can validate both your criminal and civil complaint information.

I know we haven’t taught HOW to set up the criminal complaints in our regular C & E classes; however, this new injection of the police report does add a certain flavor of suspicion in our civil claim, don’t you think?  Imagine the consequences:

  1. The attorney handling the foreclosure matter attempts to interfere with the criminal investigation of the matter and ends up making the matter worse, potentially putting himself in a position of obstruction of justice.  The attorney for the bank cannot attempt to persuade authorities from looking into your complaint without lending suspicion of them being involved.
  2. The law firm or the attorney preparing the document ends up being indicted by a grand jury as part of the grander scheme of things.
  3. The judge handling the civil matter is found to be “side dealing” and interfering with the criminal case in order to further the civil case along to help the bank out, either through direct interference in the criminal investigation or by pushing the civil case forward in favor or the bank knowing a criminal prosecution is likely, which would make him an accessory to a felony … enough to remove him from the bench and potentially put him in prison!

There is also a potential chance that the criminal investigation will go nowhere because the investigators: (a.) weren’t provided with enough evidence or information by you to establish probable cause; or (b.) didn’t understand the nature of the complaint because of the way it was presented.

I have 18 sets of the C & E class (8 DVD-video set and the book, The C & E on Steroids!) available online on the Clouded Titles website.  Once these are gone, they will take time to re-order, more time than you might have. I don’t have to tell you that following this moratorium’s end, those in trouble … their days are numbered.

Remember, when you get the kit, I give you an hour of consulting on your specific case, which may include a call to a criminal attorney who can give me ideas as to how to posture your criminal complaint based on what evidence you have! 

UPDATE ADDENDUM:  As I mentioned on City Spotlight – Special Edition on WKDW-FM, which will repeat this coming Monday, May 4th at 2:00 pm. Eastern Time, CLICK HERE TO LISTEN, attorneys now have a duty to inquire whether the client is using their case to commit fraud or some other crime upon the defendant in a suit.  The American Bar Association’s Standing Committee on Professional Responsibility has issued Formal Opinion 491, to clarify this requirement in the wake of increased reporting of individuals using legal services for money laundering and terrorist financing.  But it goes beyond that definition, especially if the attorney(s) or their law firm participated in the drafting of the bogus assignment and then had it sent back to them once it was executed and recorded.  This is a way to: (a.) name the law firm in the suit; (b.) name the attorney in the suit; and (c.) force the attorney to inquire as to whether he knew before submitting the document to be executed that it contained misrepresentative statements, which could warrant criminal legal action against him and/or his firm.  This is where things get dicey for the other side because depositions and discovery can now target counsel who participated in any way in the drafting, execution and recording of a document that could be construed to be a third-degree felony in many states!

Here’s the formal opinion: aba-formal-opinion-491

 

 

 

 

 

 

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THINGS TO PONDER WHEN IT COMES TO THE “DELAY GAME” IN FORECLOSURES …

(OP-ED) — The author of this post is a consultant to foreclosure defense attorneys and does not offer the following as legal advice but rather as that of the author’s own views based on past experience in paralegal and consulting work.  The post, with the related case example, is for educational purposes only.  

THE “DILEMMA” ONLY GETS BIGGER

I have seen countless cases where a foreclosure defense was mounted against a bank’s attempt to foreclose when there are obvious “glitches” with the bank’s case.  It is in this instance where I offer the following case for your perusal:

US Bank v Manning, 2020 ME 42 (Apr 2, 2020)

The one thing you’ll notice right up front is that at the time of this author’s post, this case was almost 10 years old by the time it got to Maine’s highest court.  I believe I can use any case from any state to exemplify what constitutes a “do-over” after 10 years of throwing money away on attorney’s fees.  I would venture a guess that the property was worth almost what the homeowner (Manning) shelled out in attorney’s fees.  He would not be the first party (as a defendant in a foreclosure case) to spend exorbitant sums trying to stay in his home, all because he thinks he’s “right”.

I would have posted this earlier but due to the corona-crisis and the resulting issues that followed our first recognition of it as a pandemic, I’m now just getting around to this.  My point here is that foreclosure defense means putting whatever remaining resources you have at risk.

Let me explain in ten (10) easy points …

  1. Fighting any case where a REMIC trust is involved means that it’s highly likely bogus documents were created by the servicer’s employees at the direction of either the servicer or the foreclosure mill law firm prosecuting the foreclosure.  That in itself is a minimum of an 18-month delay if the court indulges declaratory relief.
  2. Fighting a foreclosure case when you’re unemployed with limited resources is futile, especially if you’re faced with draining a retirement account, like a 401(k), which by the way, the bank won’t ever get access to via judgment; however, you’d be surprised at how many cases I have gone through where the homeowners did just that in order to pay attorney’s fees.
  3. Fighting a foreclosure case when you’re simply holding the property as an investor is also risky given the courts’ propensity (as in this case) to give the bank a “d0-over”, even if the investor was “right” all along.  Those attorney’s fees are risked capital that could be put somewhere else if the market value and economic condition of the property won’t support it.
  4. As a follow-up to the last paragraph, many homeowners don’t actually make an honest effort to get their property evaluated, whether through an appraisal or a comparable market analysis (CMA) by a real estate agent, to see what the “gamble” is worth compared to risk. Their fight is driven by emotion and not common sense.  If the property is economically challenged, meaning it’s going to need thousands of dollars in repairs and upgrades to make it marketable, it’s not worth spending the money while fighting a foreclosure just because you don’t like the idea of moving to new digs.
  5. On the other side of this equation, I could imply that I’ve spent the last 12 years of my life helping homeowners fight to stay in their homes, only to see the bank win after the homeowners have spent thousands, many of whom got stuck paying the other side’s attorney’s fees because they lost … plus, they had to pay their own foreclosure defense attorney’s fees.  Talk about a great case for neurosis.  I feel guilty sometimes because I’ve given the bank’s attorneys an income, because the banks will pay to get a “win” in their favor.  That is counterproductive in my book, when the homeowner could have cut and run and moved into something more affordable and put it into a trust before things got “dicey”.
  6. Fighting standing issues is the most common thing and judges are keenly aware of that modus operandi. Every attorney will tell you that you should claim the other side lacks standing because it’s a great catch-all if all else fails; however, claiming anything comes with a price.
  7. Because many foreclosure defense tactics are emotionally driven, this has created a “cha-ching, cha-ching” scenario for attorneys who see a real monthly annuity staring them in the face every time a disgruntled homeowner thinks they’re “right”.  It creates impetus that has fueled the business model that many law firms and sole practitioner’s rely on to “stay in their game” even if you lose in the end.
  8. In Manning’s case, this 10-year stretch compares to other cases I’ve looked at, where homeowners have sold businesses to pay lawyer’s fees, knowing that the chain of title documents were trash to begin with, yet a lot of these types of attacks fall on deaf ears with the courts. Without proper case planning as to how the court will react, it’s throwing good money after bad.  What homeowners end up doing is “kitchen sink” pleadings … and these types of pleadings are what racks up attorney’s fees … on both sides of the equation.  This is the primary reason why foreclosure mill law firms don’t come after me (if they happen to find out I’m involved in a case) because they’re getting attorney’s fees too … and then some.  How does it feel knowing that this kind of risk exists, even though you’re trying to do the right thing?
  9. I was given a specific sum certain of over $100,000 spent in fighting a foreclosure for 10 years … and the homeowners lost anyway. What I could have bought with that $100,000 over time (a duplex, where I live in one side and rent out the other side to make my mortgage payments; an apartment building, maybe a 4-plex, where I live in one of the apartments and rent out the other three) instead of giving an attorney an opportunity to create a thriving law practice at my expense.
  10. In this case, the economics of “the game” don’t make sense.  With all of the moves and countermoves in this case, which parallel many other complex cases I’ve looked at, giving a bank a “do-over” (dismissing a case without prejudice), means the bank gets to hit your “reset button” and you get to start all over again defending another foreclosure.  My point on this last comment is, “What’s it worth to your health?”

Given the corona-crisis, with over 15-million claims for unemployment benefits being applied for (many of them mortgagors), you can bet when the moratorium on foreclosures has expired (whenever that may be), there may be some mortgage loan servicers that are going to “take it on the chin” in advance payments so much so, they’ll look for the first opportunity to come after your house.  You can bet if they haven’t filed documents in the land records to “support their claim”, it’s highly likely they will either during or shortly after this crisis ends.

My bottom line (while trying not to be verbose here) … foreclosure defense costs money.  Delay tactics cost money.  Playing the game costs money. It is a “game” to the banks because they play by the numbers while you’re playing with your hard-earned money and equity.  They have the clear advantage because they’re the mortgagees.  They have a contract that you signed.  The deck is already stacked ahead of your decision-making processes.  Understand that whatever claims you bring should be supported by a Plan B.  This is part of foreclosure defense too.  What happens if what you’re trying to do doesn’t work?  This is why I wrote Clouded Titles.

THE CORONA-CRISIS HAS MULTIPLE “SIDE EFFECTS” … 

The corona-crisis is going to produce more than just statistical death tolls.  We have been victimized by both the World Health Organization (who is part of the United Nations), who failed to give us the information before the virus spread to America and the Chinese Communist Party (who created the synthesized product in the Wuhan Level 4 lab in the first place … then covered it up with a lame “wet seafood market” story), which is going to create more than a viral pandemic in terms of loss of life. We’re talking an economic twist of the tail that is going to set off another serious wave of foreclosure filings across the country due to the servicers’ struggle to make advance payments to REMIC investors.

Loan modifications are going to be rare after this is over.  Forbearances … well, if you’re lucky.  You may be emotional now … but just remember what kind of financial position you were in before the corona-crisis hit.  This doesn’t stop foreclosures already in progress.  On top of that, you’ve had a financial “hit” just trying to stay alive during the “lockdown” period and the neuroses this has caused … you also have to look at the emotion and health issues (fueled by stress) which weaken your body’s immune system because of what’s coming.  You will be looking to the government for answers … and the answers won’t be there.  The courts will be backlogged.  Your judicial foreclosures will cost more as the courts clear the pipeline of cases. Non-judicial foreclosures will proceed at lightning speed because the servicers have had plenty of time to crank out paperwork (default notices, notices of trustee’s sales, suspect assignments, etc.) during the crisis while the moratoriums existed.  They know this crisis has hit everyone in the pocketbooks, including the mortgage loan servicers themselves.

Now’s the time to come up with a Plan B.

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