Tag Archives: COVID-19

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!

Leave a comment

Filed under OP-ED, Securitization Issues, webinar, workshop

10 DAYS OF DARKNESS? REALLY?

(Op-Ed) — I’ve heard this expression more than once in the past few days. I pondered this for a minute and then decided it was time to turn on my office light, get on the blog and post the following:

AMERICAN PANIC

Yes, as we approach the November 3rd elections, we see more hatred for our fellow Americans because of political influence and disinformation. I’m more concerned with the disinformation than I am with the political influence because in my book, politicians will say anything to get elected. However, it’s what they don’t say that worries me more. It’s what’s not written in their agendas that is propagated on the internet that gets my goat sometimes, much the same as it does you, whether you subscribe to “Q” or not.

I am confident that Hon. Amy Coney Barrett is going to win the nomination to fill the seat vacated by the death of Justice Ruth Bader Ginsburg and the politicos are all going to go schizo over the fact the bench was “stacked” with conservative judges right before the election. Again, I posit that the Constitution of the United States gives the President the right to fill vacancies on the Supreme Court, whether you’re a Republican, Democrat or a Libertarian like me. It doesn’t matter. If you support the Constitution of the United States and what it stands for, then you shouldn’t be in a panic because the President did his sworn duty.

BAD RELIANCE ON THE “STATUS QUO

It is unfortunate that the status quo wants to revel in discontent. Nothing pleases them unless it caters to their agenda. Deep State plays within the status quo. Deep State plays within the medical community and within the intelligence community. Most everyone has that sinking feeling that the NSA is Big Brother, Snowden or no Snowden. Understand that both sides of the aisle have contributed to the mess we’re in (and I’m talking about Congress here) yet come election time, Presidential candidates hang their hats on and take credit for all of the successes created by Joe Public.

It is a proven fact that people don’t like having to pay taxes. Once they fill out a 1040 Form they are forever obligated under the law to fill one out every year, declare their earnings and pay a tax. We don’t get paid to sit there every year and sift through all our receipts and determine what we can write off and what we can’t, depending on what the Status Quo demands via legislation every political cycle. Of course, not everyone is self-employed. If everyone would form an LLC and be their own boss, there would be more opportunities for write-offs.

And the status quo balks because President Trump purportedly only paid $750/year on his taxes. Again, I point to the law of the land and ask simply what law says that the rich can’t use the tax loopholes provided by Congress to avoid (not evade) having to pay gargantuan sums of money come tax time? I love it when half the Status Quo says we need to gouge the rich and give it to the poor. They seem to forget that the rich got that way because they worked smart and used the system’s own tools to grow their businesses. And for that, they should be penalized and made to share their wealth with people who don’t want to work at all? Seemingly, that goes against Biblical principles. If the rich can create more jobs using their existing wealth, wouldn’t having a job be better than not having one?

There are rumors of a “debt jubilee”. Frankly, I don’t see a federal mandate wiping out all of our debts so we can start over and those who found advantage with it will party like it’s 1999 and spend themselves into oblivion again. That too is a vicious cycle promoted by the status quo, which will never permit a debt jubilee, done through Executive Order or not. The banks cannot be harmed and the banks have so much influence over the Status Quo that if they were harmed through massive debt forgiveness, they would retaliate in such a manner that would indeed cripple this country. I wouldn’t be a bit surprised if the banks funded an EMP strike on the United States so we’d all be back in the Stone Age, given the banks’ behavior in the foreclosure process that’s happening now.

SATURDAY, OCTOBER 24, 2020

It’s interesting to note that our Foreclosure Defense 101 Workshop falls within this alleged “10 Days of Darkness”. It’s scary to think that at a point in time in the future, the banks are going to come after tens of thousands of homeowners (as much as landlords are going to come after deadbeat tenants) and force them out of their houses, hook or by crook. It’s the “by crook” part I’m worried about because of securitization and the resulting lost or forged paperwork to “patch things up” to make the banks’ stories to the courts more plausible.

I chose to hold this workshop BEFORE the November 3rd for good reason … because of the uncertainty in the shift in political climate following the election cycle, which could turn into a menstrual cycle (a blood bath) of monstrous proportions if the Status Quo gets riled up enough to cause more civil unrest … another uncertainty. This is why more and more Americans are stocking up on guns and ammo. I suggest caution before action here. You can only defend yourself using lethal force if your life is threatened to the point of furtive action by your assailants. Many states do not have laws like Florida’s “Stand Your Ground” law and there will be hell to pay if you “step over that line” in trying to protect yourself or your loved ones.

DISTILLED DISINFORMATION

At this juncture, there are very few media outlets that are reporting the truth … all are fear mongering, speculating, accusing and tainting the narrative with all sorts of watered down mischaracterizations of our current scenario. We are not bound to believe any of it, whether it be forced mask wearing, which has been found to cause more cases of COVID than not, or whose got their hands into what country’s pockets. Do you actually think that staying home and not voting is going to make a difference?

I can tell you with a certainty that NOW more than ever, your vote matters. Look at the facts of each issue and research them for yourself. Don’t make snap decisions based on the false narratives pontificated over mainstream media. Frankly, you don’t know whether Deep State is behind the diatribe or not. Look at the bright side, the number of independent voters out there have already made up their minds whether they want to get dinged for higher taxes in the future or whether they liked the way the economy was before COVID-19 hit.

Recognize also that COVID-19 is a biological weapon, created in a lab for the purpose of destroying our economy so it could be used for political gain. It’s pure and simple biological warfare. There’s no getting around it. Most of America will survive it, mask or no mask. Social distancing or no social distancing. It’s still a biological weapon and the United States was playing with this in the labs at Duke University at Chapel Hill and shipped it off to China to be further “toyed” with, along with $3.27-million of our tax dollars.

The NIH (Fauci) was involved in this transaction. A Chinese virologist has admitted COVID-19 was created in a lab. Screw the seafood market theory. China knew about this weapon and what it was doing to its own population back in October of 2019. It was hidden from our President and America as a whole. It was unleashed with the intent to create economic and political turmoil … and we all let it succeed … led by our fearmongering politicians, many of whom overreacted by shutting down our economy, for which the President had no direct control. Yet people still blame him for the shutdowns? You see, this is where America became a nation of fear and not addressing these issues logically. Half the country still cowers in the corner over this whole thing, in denial that blame shouldn’t be placed where it deserves to be placed … the NIH and Wuhan.

If you think for one minute that 10 more days is going to make a squats difference here … you are still feeding off the fears created by Deep State. These bureaucratic factions want complete control over you and your life. Please reference Georg Hegel’s work. Here it is in its simplistic form:

Step One: Create a problem – Create the notion that a problem exists, blow it up out of proportion, even if the actual outcome is less than what it is purported to be. Then, use the problem to scare the shit out of the masses.

Step Two: Publicize the problem, create opposition to it, create turmoil in the public by offering multiple scenarios to confuse the masses so they all turn against each other – Relentlessly place stories about this problem in the major media outlets. This has happened as the result of the COVID-19 scare. The news media has made it their political agenda to place blame on President Trump in support of the liberal left, who want to take control of YOU and your person. It’s the steady drumbeat and a truism for the public who then begin clamoring for a solution to this problem.

Step Three: Offer a solution – TA-DA! The best solutions are those that appeal to the emotions of the public and make them think something really good is being done for them, when in fact, something really bad is being done to them. This solution is one that the public never knew it needed until the conditioning of Step Two was successfully completed. In this case, it’s the vaccine! And we have no idea what’s in it, even if the President has promoted it as safe. If the drug manufacturers are being held harmless (you can’t sue them if it kills your family member) from all legal liability, then why should we think it’s safe? Let Congress take the vaccine first. If it’s that great and they’re all still alive in six months, then it’s okay for everyone else to take it, so long as it’s the same vaccine and not some Manchurian Candidate shit. Deep State is in bed with the technocrats who want to use AI technology to monitor your heart rhythms and regulate your existence!

A DAY OF REASONING … NOT RECKONING

A majority of Americans surveyed (multiple times) have indicated they will not accept the vaccine … for a number of reasons: (1) they don’t know what’s in it; (2) they think that they’ll be injected with strains of COVID, HIV or malaria; (3) they think Deep State and Gates have factored in a biochip, where the “new and improved” 5G networks can be used to regulate our human physiology and even cause our bodies to shut down (instant heart attack and no one is the wiser); and (4) they flat out don’t trust the government and anything it stands for, even if they did get a flu shot before.

The media, especially those talking heads that are full of themselves, would like you to believe that they’ve got the answer. In fact, they’ve become the problem. Nothing they say can be trusted because it’s all based on their opinions, lightly seasoned with watered down facts to make it more palatable. Ours is not to question why? Seriously?

WHAT FOLLOWS NOVEMBER 3RD ISN’T GOING TO BE PRETTY

If you want to look at America’s “dark side” wait until after the elections.

One certainty is this … in short order, there will be a severe uptick in foreclosures and evictions and the economy will be thrown into another state of political turmoil.

But look at the bright side … if you or someone you know could fall victim to foreclosure (or face eviction as the result of foreclosure) … here’s a simple way to delay foreclosure (“buy time”) so you can execute on Plan B:

FORECLOSURE DEFENSE 101 WORKSHOP

10 Days of Darkness? Really? Someone turn on a light.

Time for a reality check.

Leave a comment

Filed under OP-ED

FORECLOSURE “JUSTICE”? … A DAY OF RECKONING

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

The lack of trust in America’s justice system … 

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

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

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

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

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

Oppression comes in many forms … 

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

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

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

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

The “justice” that needs undoing …

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

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

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

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

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

The idea is to buy time …

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

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

 

 

 

Leave a comment

Filed under BREAKING NEWS, OP-ED, Securitization Issues

FORECLOSURE DEFENSE 101 WORKSHOP NEWS! UPDATE!

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

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

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

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

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

IN FLORIDA, WE PREPARE FOR HURRICANES

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

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

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

This is what you call PLAN B … 

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

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

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

FORECLOSURE DEFENSE 101 SYLLABUS

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

Leave a comment

Filed under BREAKING NEWS, OP-ED

NO MATTER THE ELECTION OUTCOME, FORECLOSURES WILL PROCEED

(BREAKING NEWS, OP-ED) — The author of this post is updating you as to the upcoming foreclosure defense workshop, which will be held online sometime in  mid-to-late October, so those of you who are planning on attending the 4-hour webinar will be able to start making plans to attend.  

POLITICAL NEWS ASIDE … 

And the political bashing and infighting continues the closer we get to November 3, 2020.  No matter.  The stage has been set for a potential financial meltdown, similar to what we saw in 2008 that carried over from 2009-2015 (the foreclosures that followed the financial collapse).  Currently, the country has a CEO running it, not a politician.  If the voters put a politician back in the White House, it will be back to the “Swamp-Status Quo” again.  If this is what the American voters want, there will be a drastic political shift.  I consider Trump the lesser of two evils here.  Both he and Biden have been accused of groping women.  So what else is new?  Kennedy allegedly screwed Marilyn Monroe while he was in office.  Let’s not even go where Clinton has gone (his alleged trail of semen won’t soon be forgotten).

Congress couldn’t impeach Trump.  Now we have COVID-19.  With that, people by the tens of thousands were put out of work … and a paycheck … within weeks.  Now that the alleged “scare” of contagion has subsided, we can now fear monger what will happen if the balance of power shifts.  Those without a paycheck already know where the balance of power is shifting … back to the banks, who are flush with cash.  Since the government has agreed to pretty much protect the banks, any shift in power can be assumed to work against those facing foreclosure.  The Status Quo of presidents past has taught us that when the country is polarized as to its politics, everything moves at a snail’s pace, including foreclosure relief.  If the balance of power remains the same, this author sees the economy bouncing back and potentially, that’s a good thing in helping foreclosure victims recover.  Just because the evictions were halted for renters (until December 31, 2020) doesn’t exempt the banks from taking property, hook or by crook, through their mortgage loan servicers.

THE WORKSHOP … 

The upcoming 2020 Foreclosure Defense 101 Workshop will feature at least one attorney who has been through the mill on foreclosures.  This author hopes to have one from each type of process on the webinar, both judicial and non-judicial.  This way, there is balance on the program and maybe … we’ll have someone who has been fighting foreclosures (for over 8 years now) come on to talk about what to expect from the courts as well as the “other side”, as they attempt to steal people’s homes using phony documents, which they rely on to misrepresent what’s in their foreclosure complaints.  This same strategy is also relied upon when Trustees are substituted in deed of trust/non-judicial states.   The author of this post has put together a syllabus of the proposed workshop: FORECLOSURE DEFENSE 101 SYLLABUS

Understand the following:

  1. The presenters are not being retained to give legal advice.  They are sharing as much available information and resources as necessary within a given time frame.
  2. Strict reliance on whatever is shared in this workshop is up to you.  You can use as much or as little of the information as necessary to accomplish your goals.
  3. It would be best if you sent an email to the author at cloudedtitles@gmail.com with your name and contact information so that an application for the workshop may be sent to you, containing all of the information not included in the syllabus regarding your attendance at the event.

The seminar will be held on a Saturday.  It will be recorded so if you cannot attend, you can purchase it later on the Clouded Titles website.

Each session within the seminar will be approximately 1 hour in length, which means the entire workshop will be four (4) hours total.  Past experience has shown us that the human brain can only absorb so much information at any given moment, so we’re going to try not to inundate you with so much information that you leave more confused than when you came.  We ‘re going to focus on the fundamental elements of foreclosure and how to deal with them each step of the way.  By attending, you will be provided with access to all documents we discuss in the workshop (via; email in PDF format, also provided within the webinar on-screen), including but not limited to:

  1. Sample foreclosure complaint answers/responses.
  2. Sample pleadings.
  3. Sample criminal complaints.
  4. Flow charts of the foreclosure processes.
  5. Sample motion for a Temporary Restraining Order.
  6. Sample motion for a Motion to Vacate.
  7. Sample motion for a Reconsideration of Judgment.
  8. Sample Notice of Appeal.
  9. Sample discovery, including a sample deposition questionnaire.
  10. Sample research guide.

If this workshop isn’t worth your while, then nothing ever will be because you’re too far gone or don’t have the gumption to fight.

Remember, the last time this foreclosure mess sprang up, over 97% of those served with notice packed up and moved away and chose not to fight.

If we could show you how attorneys manage to hold the foreclosure mills at bay for at least two (2) years … wouldn’t that be worth your while? 

Email us your letter of intent today because the invites to this workshop will be by private invitation.

We have taken into account the amount of time spent preparing the materials and answering questions during the webinar, as well as the money we’re saving you in not having to travel and pay for a hotel and rental car, for these four hours of information-packed foreclosure defense details!  We will not publish the workshop pricing online … you will have to email us for that information and an application to attend.  Because we’re only doing (4) 1-hour blocks, we have factored the pricing of the workshop as the total portion of what we would normally charge for the in-person workshop.   We will be available afterwards for off-line client consulting as well. 

 

 

1 Comment

Filed under BREAKING NEWS, OP-ED