Tag Archives: End Game Strategies

TO FIGHT THE GOOD FIGHT … OR NOT!

OP-ED — THIS IS STEP THREE OF A 3-PART SERIES BY DAVE KRIEGER, AUTHOR OF CLOUDED TITLES

I have conducted intense research for over ten years on chain of title issues and what it means for affected homeowners.

Foreclosure mill attorneys could care less about the chain of title, so long as they can come up with a game plan to steal the property, even if it means participating in the manufacturing of title documents that create standing for their client to allow their little “scalping party” to appear in court.

Once the mess of confusion has subsided and the educational process has begun, the average homeowner discovers (over time) that the method by which the alleged “lender” has preyed upon them has imbued them with a combination of guilt, rage, entitlement or empowerment or the combination of one or more of the above.  This is where things get tricky because the average homeowner generally does not know what the chain of title could possibly reveal in their particular foreclosure case.

As the clock ticks, depending on where you live, the process of foreclosure continues.

If you’re in a deed of trust state, you generally get about 45 days prior to the date of the sale to react.  By “react”, I mean file a lawsuit and get a Temporary Restraining Order (TRO) to stop the sale and have your case heard before a tribunal.

If you’re in a mortgage state, you generally get 20 days to file an answer ONCE YOU’RE SERVED with process.  This is key to your understanding. Once a party to a foreclosure action finds out the lender is attempting to serve them through a process server, they hide to avoid service.  This only works for a short time, as the process server will figure out (through skip tracing) what your daily routine consists of and will eventually catch up with you and serve you with the foreclosure complaint when you least expect it.  Avoiding service usually means the attorneys for the bank (or the servicer) could end up going to the judge and requesting what is known as substituted service, which generally means that a relative who knows you can be served with the papers instead.  Then the 20-day clock starts.  By the end of that 20th day, you would have had to file an “Answer” or face default judgment.

Answer #1 … to Run or Not to Run … 

What you’re about to read is NOT all-encompassing, because every homeowner seems to choose a different path.

95% of homeowners who are served with a notice of foreclosure … RUN AWAY from it!  I know that figure is hard to believe … BUT … that is exactly what the lender wants you to do.  The alleged “lender” knows it’s a “numbers game”.  The majority will run away but some will stay and fight.  By avoiding the foreclosure (by running away or doing nothing), you’ve made the lender’s job 95% easier … provided the lender (or the alleged lender) has done their job right.  When the average homeowner gets served they RUN because they lack education or the funds to get educated and fight the foreclosure.  The lenders know that 95% of all homeowners do not have a legal defense fund set up to wage war in the court against the lender to save their homes.  The lenders know that in most cases, they will end up with the house (whether free and clear is debatable here) because the homeowners are scared away from a fight.  Those who do not understand that the court systems in America are motivated in favor of lenders will soon find out that fighting “the good fight” is not the easiest task in the world.

Now let’s look at the 95% of the homeowners who “run away” from the problem.  Many pack up and move out as soon as they are served with notice.  A certain percentage of them will simply “freeze in place” once served.  They don’t know what to do next.  Rather than pack up and move right away (upon service of process), they stay put and either ignore the paperwork (denial) and whatever notice they are served with and simply wait for the county Sheriff or constabulary to evict them and put their belongings to the curb.  I can’t begin to tell you what that feels like, so I’ve included a video clip to refresh your memory in the event you can’t visualize it.

I cringe watching that video, almost to the point of tears.  This is not HOW I planned to peel away at the onion!   I pray to God that no one has to endure this, but sadly, in order to avoid what that video depicts, the homeowners plan their move accordingly, knowing the bank will eventually show up to their doorstep with law enforcement and they are “moved” whether they like it or not.  This does NOT have to be you!  Even if you have a PLAN B in place, the best well-made plans take time.  You do NOT have to run, now or then.

Answer #2 … to Fight the Good Fight … or Not! 

Not fighting “the good fight” manifests itself with bad behavior.

Remember I first discussed guilt, rage, entitlement and empowerment (or any combination thereof) earlier in this post?

Fighting based on guilt is totally inappropriate.  It basically means that you’ve let the lender and/or its henchmen (the servicer’s $9/hour cubicle employees) take over and run your life based on “power over” collection tactics.  The mortgage loan servicer is obviously trying to fleece you for every dime it can get because that’s how it makes money.  You fight the urge to say “no more” based on guilt feelings.  You fight the urge based on guilt because failing will bring on more guilt.  You want to keep your house and so you’re literally “bending over” at every whim of the foes coming against you.  While this appears normal as part of our built-in defense mechanism, letting guilt drive your emotions means making bad decisions (decisions based on emotion rather than common sense and logic).  It’s basically fighting with yourself because the servicer is making your decisions for you and you’re not making them yourself.  You feel guilty because you let them win … and they’re just getting started!  Guilt can fuel the unthinkable, like murder-suicide.  That is not the answer.

Fighting based on rage is also totally inappropriate, unless your rage is channeled into the fight itself.  Walking around being pissed off at the world, being pissed off at your family and friends and whoever you happen to engage in any related financial conversation is not the answer.  Rage, like guilt, is also an emotional element not worth pursuing if you’re going to fight “the good fight”.  Rage will make you do extremist things, like spend money where it doesn’t need to be spent logistically; spending money going on lavish vacations while ignoring the responsibilities of American homeownership; substituting rage for logic in failing to develop a business plan in order to make things happen.  Rage can also fuel the unthinkable, like murder-suicide. That also, is not the answer.

Fighting based on entitlement is understandable based on the political times we live in.  Most of America has been so conditioned to live off the government (via entitlements) and trust it implicitly that most Americans have been conditioned to believe that “the world owes me a living” and that “if I complain to the government, the government will step in and save me”.  This is false conditioning.  Complaining to any government agency about your foreclosure is a colossal waste of time!  This conditioning was by design, based on deceit by some very powerful oligarchs who have made themselves gods, thinking that their rationale is better than the average Americans’ and that they should be entitled (self-entitlement works in strange ways when you have lots of money) to make decisions for everyone else, including letting the banks run America. When you start to believe that the world owes you a living, then you can easily fall into the trap (when seduced into this false belief) of, “the bank screwed me, so I deserve a free house!”  That is not only illogical in thought, but the courts in this country, who feed off of entitlement, can spot an attitude of entitlement a mile away and shut it down!  Entitlement does not fuel the unthinkable, but it does fuel ego and pride … and pride goeth before a fall. Being entitled means you know everything.  That too is dangerous.  Ego has also hurt the banks in playing their “numbers game” too; however, the banks make up for it through the numbers of homes they’ve “stolen”, making them a more powerful legal adversary.

Fighting based on empowerment is the most desired aspect of fighting “the good fight”!  Knowledge is power and wisdom is knowledge applied.  Knowing WHEN to apply knowledge is what wins battles (Sun Tsu, The Art of War).  Knowing WHEN the enemy is weakest and where their weakest points are to begin with puts the homeowner in a condition of empowerment.  Even Tige Johnson, a transactional lawyer out of Chicago who has lectured at my workshops, has even stated that when homeowners are fully aware of the facts in their case and what the law says, they make very empowered clients.  Employing “rage” as a “fuel” to empower you to search is the greatest attribute, because it’s what drives you to succeed no matter what.  Rage alone, without empowerment, spells doom for every homeowner who wants to fight “the good fight”.

Answer #3 … the average homeowner who litigates a foreclosure can delay a foreclosure for up to 2 years! 

Ahhhh!  The naysayers and the gainsayers will chastise me for creating false hope; however, the foreclosure defense attorneys have figured out a gameplan that will delay a foreclosure for 2 years or longer and in doing so, “buys” their client time.  Time for what?  To sit on their laurels and enjoy the scenery?  Those who are embroiled in litigation MUST stay on top of it.  There is no time to dawdle or take a vacation to the Bahamas just because you’ve forced the alleged “lender” to prove its case. By the tone of your response to the foreclosure notice, whether in a deed of trust or mortgage state, the foreclosure mill law firms can measure how much of a fight is necessary to accomplish their mission.  They want to win.  They want to help their client get your home.  Many of them will engage in misleading tactics designed to throw you off point.  Many of them will commit deceitful acts and make false representations to the court.  This is all part of their game.  It also keeps the foreclosure mills in business longer because there’s no more income stream to them once the foreclosure is over and they’ve won.  And you wonder why the foreclosure mills aren’t coming after me?  It’s because through my efforts, they stay in business because I’ve empowered homeowners to fight “the good fight”!  Think about the logistical financial issues posited to the banks and their attorneys.  As Tige Johnson has stated (in my workshops), “I’m here to make the banks bleed green.”  Thus, it costs the banks to fight your “good fight” too!  This is something to consider.

In a deed of trust state, by law, most states do not allow for anything past the taking of the security, which means that once the foreclosure is complete, there is no deficiency judgment.

However, in order to keep the foreclosure hounds at bay, you have to initiate a lawsuit in the proper court, because deed of trust states do not provide for your “day in court”.   You have to “create” your day in court by filing a claim against the lender or its alleged representative.  Once that suit is filed, you also have to ask the court to stop the foreclosure sale by granting a temporary restraining order (TRO).  Simply filing a lis pendens only “gums up the title”.  It does NOT stop a foreclosure.  I had to get that through my head when I started helping homeowners fight “the good fight”.  As I teach in my Foreclosure Defense Workshop (along with attorneys who lecture at them that are well versed in this subject matter), you have to follow rules of civil procedure and rules of evidence to the letter, which means you have your work cut out for you unless you have the resources to retain counsel to represent you.

In a mortgage state, by law, most states provide for deficiency judgments (post-sale) and attorney’s fees, which means this has to be taken into consideration before you fight “the good fight”.

Many times, a straight forward “Answer” that is timely filed with the court and appropriately served on the foreclosure mill law firm representing your alleged “lender” adds an additional 30-60 days to your “fight”.  Simply put, ANSWER the damned complaint, point for point.  However, just because you’ve filed an Answer to their complaint (in a mortgage state) does NOT mean you get to sit back and relax.  Your fight is just beginning.  Many reading this post have kept the lenders at bay for 8 years or longer!  Whatever made you think you can’t do the same?  Would having an extra 8 years of time give you time to get your financial affairs straightened out to the point where you can strategically leave the suit and enter into a new financial realm you created during that time frame?  Many smart homeowners have figured out that if they can “buy time”, they can re-strategize their financial position and move on! Sadly however, most homeowners aren’t that smart when it comes to litigation, which is why I hold workshops.

Answer #4 … opening the door to “empowerment” by doing your homework! 

Over the years, I have learned that every alleged “lender” (generally through its mortgage loan servicer) creates at least one “assignment” and causes it to be recorded in the land records in the county your home is located in.  Many of these assignments are created just prior to a foreclosure action, which becomes suspect as to its legitimacy.  You can bet that the assignment was “designed” to “manufacture standing” so the lender’s representative can complete the foreclosure without question from the court.  It’s like “manufacturing evidence”, which can be used to the lender’s advantage … or in many cases by you … to the lender’s disadvantage.

Starting with evaluating your chain of title may prove to be the key to discovering the strategies you need to fight “the good fight”. Filing bankruptcy to stall the inevitable is the “cheap way out”, that will hurt your credit more than the foreclosure itself (by more than 300 points), which is why I’m not quick to even think that way.  Unless you have a defined strategy involving an adversarial proceeding, along with a huge mountain of unsecured debt with no way to pay it back, I would never consider filing bankruptcy.  Filing bankruptcy is not empowering anything.  Filing bankruptcy is giving up in a feeble attempt to “stop the bleeding”.  Even if you stop the bleeding, the damage has been done and there will still be a scar, a scar you will live with for ten (10) years (even if you are successful in removing the bankruptcy from your credit reports).

In order to become MORE successful in your efforts, you need to plan a strategy,which includes an exit strategy in case things don’t go as planned. These days, I’m seeing a lot more investors using “end game strategies” (which I also teach at workshops) because they are “calculated” and their financial weight can be measured.  The average homeowner however will find themselves in a different scenario because as I stated before, the “war chest” simply doesn’t exist in most cases.

Thus, once you obtain your entire chain of title, you can look for clues as to how to unwind your dilemma or in the alternative, find the most efficient and affordable way to restructure your life and move on.  The “devil is in the details” and most of the time, the evidence found within the promissory note does NOT match up to what the recorded assignment says.  The other side will twist the truth to prove its case; or in the alternative, throw in stumbling blocks to increase the cost of your litigation in an attempt to discourage you from fighting further and to resort to settling when settling may not be an option when you know the truth and have figured out ways to prove it.

I’ve been involved in numerous cases throughout my years of involvement in the world of foreclosures, which is why I’m called in to consult attorneys on various cases and conduct chain of title assessments (COTAs) for homeowners, which saves them time and money because the attorney can get to the real issues faster, which saves the attorney time as a benefit to the homeowner, especially where time is of the essence.  I can genuinely live with myself in what I’ve been doing, which is to educate homeowners using the research I’ve conducted since 2007.  Whether the research pans out for the homeowner depends on how the homeowner chooses to fight “the good fight”, which is why I’ve developed workshops that teach foreclosure defense.

In closing, I also warn of using “rage” as your guide when it comes to picking your litigation strategies.  You have to have a level head in order to evaluate what strategies are going to work best.  Suing everyone over everything is a sure way to stretch your finances to the limit.  While I believe that walking away (strategic default) from a future problem (home foreclosure) has been used not only by myself but by multitudes of others as well, knowing the truth about the matter may have changed the strategy I’d planned as well as the case outcome.  How then can you make an honest decision without a level head, a true set of facts and multiple strategies with which you can cloak yourself in empowerment?

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NWTS IS CLOSING ITS DOORS; SHIFTS ITS FORECLOSURE CASES TO OTHER TRUSTEE MILLS

(BREAKING NEWS, OP-ED) — 

Boo, Frickety Hoo! 

Why is everybody in the foreclosure mill and related industries pining over the announcement by several news outlets that Northwest Trustee Services, Inc. (“NWTS”) in Bellevue, Washington is closing its doors?

I for one am glad to see them “out of here”, given the fact of NWTS’s propensity to allegedly foreclose on U.S. servicemen and women while they’re on active duty, in violation of federal law.  The closure announcement comes in the wake of the Justice Department’s lawsuit against the foreclosure mill trustee of violating the Servicemembers Civil Relief Act (see the lawsuit HERE: US v NWTS, US W.D. Wash No 2-17-cv-01686 (Nov 9, 2017)

I have been aware of RCO’s bastard brainchild phasing out of its trustee service operations for some time now; however, NWTS has spun off its business to other foreclosure mill concerns like Quality Loan Service Corp, who has previously admitted in writing to screwing up paperwork related to non-judicial foreclosure actions. I do not make that accusation lightly.  For those who need proof of my allegations, see HERE: QLS Letter to Washington Attorney   If this doesn’t piss you off, nothing will.  It further proves that the “right hand still does not know what the left hand is doing” and that trustees, and I mean ALL trustees, cannot be trusted.

I maintain that all of the non-judicial foreclosure mills have been participating in the foregoing kind of scheme, especially involving recorded documents which they themselves caused (in one way, shape or form) to be manufactured for the purposes of standing to foreclose, because: (a.) they all know it’s a numbers game in the number of challenges they might face by homeowners who lack the funds to fight; (b.) they all know that a majority of the homeowners will capitulate and run away from the entire process without a fight at all, allowing them unfettered access to what amounts to “legalized theft”; and (c.) with RCO buying up area newspapers to reduce costs of foreclosure, it’s still making money whether NWTS is operating or not because of the shifting of cases to other concerns.

If you find yourself now facing another concern attempting to non-judicially foreclose on you, claiming to have taken NWTS’s place in the que, check the following in your local land records:

  1. Was there a recorded SUBSTITUTION OF TRUSTEE by the Lender?   According to the Deed of Trust (generally at Paragraph 24), ONLY the Lender is allowed to substitute the Trustee, NOT the servicer and NOT the previous Trustee!  The land records must reflect a valid SUBSTITUTION OF TRUSTEE … BEFORE … and not AFTER … the commencement of a foreclosure sale proceeding.
  2. Did you receive a NOTICE OF DEFAULT AND TRUSTEE’S SALE from NWTS in the past?  In order for a future sale to occur through another Trustee source, you have to have received such a notice, which must be recorded in the land records AFTER the SUBSTITUTION OF TRUSTEE was legitimately filed by the Lender.   If you don’t see that chronological sequence, you have suspect issues in the chain of title to potentially challenge the illegality of the attempted foreclosure sale.
  3. Was there a previous chain of title issue with the substitution involving NWTS?  Many folks stop looking backward, when the real damning evidence is already of record. Look to see who SUBSTITUTED NWTS as the Trustee and examine the chain of title involving alleged Assignments of Deeds of Trust.  If you happen to find an Assignment that merely conveys the Deed of Trust and NOT THE NOTE, for the sake of conducting a non-judicial foreclosure sale, you may have issues with 15 USC §§ 1641(f)(g), for violations of the federal Consumer Protection Act, as well as the Washington Consumer Protection Act (or any related state consumer protection act, for that matter).

This isn’t legal advice folks. This is just plain common sense, based on research.  Legal challenges happen in all sorts of ways.  Responsible American homeowners will fight these monsters.  Even though NWTS is closing its doors, it still has to “face the music” regarding the aforementioned federal lawsuit.  The misbehaviors of NWTS are not isolated incidents. In fact, these misdeeds are common to all trustees!

For those in judicial foreclosure states reading this article, understand how lucky you have it that you have “your day in court”, because in non-judicial foreclosure states, all foreclosures are deemed to be legal unless otherwise challenged in a court of law or of equity.  Otherwise, you don’t get the privilege of fighting the monster.  If the banks had their way, ALL foreclosures would be non-judicial.  It’s the proverbial draining of American homeownership, turning the U.S. into a nation of renters or even worse.  Homelessness is up a point this year (over 554,000 people are living on the streets) according to hud.gov: Housing and Urban Development: Homelessness Data Exchange   Don’t become one of them!

Sadly, just because NWTS is folding doesn’t mean another foreclosure mill trustee service won’t surface in the future that’s funded by principals of the RCO law firm or some other scumbag law firm looking to make a dishonest buck.

Most of my research has shown that according to most laws and rules, Trustees involved in foreclosure sales are supposed to maintain neutrality.  However, we know that’s really NOT the case, right?

On another note, I further would wonder why I still haven’t received a refund from the Washington State Bar Association of my $50 Application Fee for neglecting to respond to my application (not even a denial letter) to have the WSBA sanction my conducting a Continuing Legal Education class for attorneys in Washington State on quiet title actions and other end game strategies.  You can see HOW the WSBA contributes to the power base of the banking industry in Washington State, right?  The crooks roost in all quarters folks!  How many legislators can you name that the banks and their lobbyists have bribed to pass legislation (favoring the banks) recently?  And you still want to borrow money from those banks?

Coming up on Clouded Titles Blog … 

There’s more than one way to skin a REMIC!  Dialing up the pure intellectual masturbation!

Arguments for getting past the typical bank attorney statement that “the Borrower isn’t a party to the Assignment”!

Two easy ways to take the bank’s attorney “out of the driver’s seat”!

… and other more interesting stuff!

Say NO! to MERS mortgages!

Borrower only from banks that portfolio their loans!

(like Fort Sill National Bank)

That was not an endorsement … just an example!

Get back to the old ways of banking!

Support public banking!

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FOR THOSE WHO MISSED THE FREE WEBINAR … LISTEN FREE NOW!

BREAKING NEWS — (for those who missed or had trouble getting on last night’s FREE webinar call) … from Dave Krieger:
We had a smashing webinar last night with Lou Brown and Al West and myself. I highly recommend that you listen to this webinar if you have any interest in defending against and defeating the Banks. We talked about “End Game” strategies. This should give you some insight into some newly developed solutions that are tried and true. We would love to see you at the end game strategies workshop in Biloxi, Mississippi on June 13 and 14th. Either way, listen to the webinar and let me know what you think.  You can email me directly at cloudedtitles@gmail.com!
To register call 1-800-578-8580. Seating is limited so be sure to reserve your seats today!

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U.S. SUPREME COURT DENIES WRIT IN THE ROBINSON CASE AGAINST MERS!

BREAKING NEWS, OP-ED — 

On May 22, 2017, the United States Supreme Court declined to hear the matter of Daniel and Darla Robinson vs. Mortgage Electronic Registration Systems, Inc. and MERSCORP Holdings, Inc.   All the issuing order said is: PETITION DENIED.   The nation’s highest court does not have to give a reason for doing so.  In fact, out of all of the cases that were taken into consideration, only one case was accepted (having to do with a dispute between a large corporation and and small corporation).  This hardly seems like much considering the magnitude of repercussions surrounding the 9th Circuit Court of Appeals’ lame decision in favor of MERSCORP and its baby bastard child, Mortgage Electronic Registration Systems, Inc.

As a courtesy, to those who are NOT in the know, I am providing you with the goods, so America can see where it has been truly f**ked:

2017.03.15 Petition for Writ of Certiorari (Robinson)

2017.04.17 Respondents’ Brief In Opposition (MERS)

2017.04.28 Petitioners’ Reply Brief (Robinson)

What this means?

According to the U.S. 9th Circuit, if MERS (not to be confused with Mortgage Electronic Registration Systems, Inc.) is listed on your mortgage or deed of trust document, you have to notice them as part of a quiet title proceeding, otherwise, you violate their due process rights to notice.

The 3-1/2 page ruling by the 9th Circuit was a total disappointment, not just to the Robinsons, but to America as well.

The repercussions are mind-blowing!

The U.S. Supreme Court filing (the Robinson’s Writ of Certiorari) is now a matter of public record.  This, MERS and its baby bastard child cannot get away from.  Congress will now study this Writ, as I anticipate it’s going to be circulated all over the place, especially at Sen. Elizabeth Warren’s camp.  If anyone has a hard-on for the banks and MERS, it would be her.

There is such a conflict between the federal circuits and the state supreme courts, the repercussions boggle the conscience.  To date, the only “injury-in-fact” MERS and its “shell corporation”, Mortgage Electronic Registration Systems, Inc. can claim, is that they were “injured” to the value of the mortgage loan.  OMG!  MERS nor Mortgage Electronic Registration Systems, Inc. never loaned anyone any money!

But wait, they’ve never actually had to prove that injury anywhere in any case I’ve ever read up on!

In fact, the federal courts, especially in Robinson, let them get away with NOT proving an “injury-in-fact”.   There is nowhere in the Robinson’s deed of trust where it says that MERS was entitled to notice.  To the extreme, the Tennessee Supreme Court, in the Ditto decision, gutted the MERS business model like a chicken:

MERS v DITTO_TN Supreme Court rules against MERS!

You can bet that MERS’s PR machine will glorify itself with another “win” over this, just another way to promote its business model to its members, that such a model can even sustain a denial of a Writ to the Supreme Court!

I say … we may have lost the battle, but not the war.  This “war” is not over yet.   There are still criminal aspects to consider …. not just both civil and criminal conspiracy to steal real property from millions of Americans.  The business model that MERS has touted as so wonderful in saving its “members” time and money is really just another way for mortgage loan servicers to hide their misdeeds.  There is still a movement afoot to get the matter involving the OSCEOLA COUNTY FORENSIC EXAMINATION in front of a grand jury.  We’re not done there yet.

I maintain that Osceola County (per se) and its insurer does not want this matter before a grand jury because the county will be found civilly liable for tens of millions in damages for illegal evictions of homeowners wrongfully foreclosed upon because of the bogus, self-serving documents recorded in person, as well as by mail and electronic transmission (mail fraud, wire fraud).  For those of you who know me, you know I know what mail fraud and wire fraud is.  I am not going to gratify MERS by elaborating on that thought and it doesn’t matter anyway because it doesn’t involve the theft of your home.  Bogus document manufacturing is still ongoing and it needs to be stopped.

I personally don’t give a rat’s ass what MERS and its stockholder Wall Street-based corporations think.  My belief is that what they’ve done is create a vehicle for servicers and their employees to manufacture documents to give themselves standing to steal property because none of the servicers (or the lenders who agreed to allow them to collect mortgage loan payments) follow the rules.  The MERS® System is simply a platform for the servicers to post whatever they want to post to mislead the borrowers into believing one thing, when in fact, the matter is something totally different.  Not only does MERS NOT know what is in its system at any given moment, it has aligned itself with Wall Street to bolster its assets and financial soundness.

The Emperor still has no clothes! 

No one has ever challenged MERS’s agency relationship to its finite end.  Sure, some judges have taken it upon themselves to posit opinions about the lack of such.  Just because it say that the Borrower agrees that MERS is this or MERS is that, does not make it so.  The Borrower has no direct agency relationship with MERS, but allegedly, the Lender does. This also, has NEVER been proven in a court of law because the judges don’t insist on it because the Borrowers’ attorneys never bring it up!

Most Borrowers have no idea that when they see the term “MERS” used, it means MERSCORP Holdings, Inc. (the real “electronic agent”).  This is all part of the crafty wordsmithing that Robert M. Janes, J.D. wrote about in his paper, SHELLGAME MERS, Contrived Confusion.  But do most attorneys read this work.  Hell no!  They think they know it all about MERS when in fact, they know NOTHING!  Not one goddamn thing do they get right in compelling MERS to answer the meaning of Rule 1, § 1 of its own Rules (2009 edition).  If you don’t believe me, look at what happened in the In re Kunze case in the Kansas bankruptcy court!

TBTF?  Seriously?

I am convinced that the U.S. Supreme Court will lightly tread upon MERS and the financial institutions because the courts and Congress are bought and paid for by the banking cartels.  All of this congressional testimony is nothing more than a charade before the American people to make them think something is being done when in fact, nothing is being done.  It’s all a 3-ring circus in DC, including inside the Supreme Court.  Don’t think for one minute that the pensions and retirement funds of the 9 Supreme Court justices aren’t vested in RMBS’s.

When the banks own the system, Americans have been enslaved if they have borrowed so much as one nickel from any of them!

The word “mortgage” means, “payments until death”.  It was structured that way for a reason.  The Robinson case will not be the first case of its kind brought up for consideration to the U.S. Supreme Court.  Sadly, I predict the nation’s highest court will ignore those cases too.  This is the Court that the “will of the people” now have to deal with … a highly-politicized bench.

The banks are so powerful that they will continue to exist until Congress regulates them out of existence or in the least, busts them up into manageable pieces.  As long as the flow of funds by banking lobbyists into Congress through various foundations and trusts continue to bribe those claiming to “serve the will of the people”, the will of the people will never be served.

However, the servicers and their employees are entirely another matter.  America has been dealing with servicer fraud for over a decade now. There is no intent (by me or anyone else) to take down the major banks.  After all, the banking cartels have written legislation in place (12 U.S.C.) to protect them, insured by another corporation (31 U.S.C.) to convince a sleeping populous that their deposits are insured.  What a joke!  Corporatism at its finest, folks!

The servicers and their minions … and MERS … are my personal targets!

This is what the Osceola County Forensic Examination truly exposed. No government prosecutor wants to go after them because they will be hit with, “we cannot afford to take down the banks”.  This is total bullshit.  Look at what has happened with Ocwen (that’s NEWCO spelled backwards), post-April 20th.  I just completed a 50-page research paper on Ocwen and it has opened my eyes to the fact that we have a servicer here that has admitted to the U.S. Government that borrowers are not in default if they miss making their mortgage payments.  Ocwen’s CEO (Ron Faris) has admitted that it makes the payments for them!  When it runs out of money in one area of accounting, it robs it from another area to “make things work”.  Therefore, the REMICs that come into court (really the Servicers claiming to represent the REMICs) did not suffer an “injury-in-fact” because the Servicers continue to make the Borrowers’ payments.  So why won’t the courts believe borrowers when they “spill the beans”.  Because the judges are owned by the banks too and many judges own stock in various major banks, which is truly a conflict of interest.

Wise as serpents! Harmless as doves!

Now, we have several different ways of compromising the servicers’ legal war chests.  It’s really the servicers you’ve been dealing with in the courts, not the lenders.  The attorneys for the banks are lying about who they represent and have been for years.

It’s bad enough that when MERS and the banks get sued by Borrowers, the U.S. government is informed of such by Consent Order (04.13.2011).

Now everyone (at least in the 9th Circuit) has to sue MERS (by notice or otherwise) to involve them and their bullshit lying to the judges in this country about how wonderful they are and misrepresent the language contained in the contract the Borrowers’ signed.  If you live in Tennessee however, that state’s Supreme Court is not done dealing with MERS.  I pray for the safety of that Court, because God knows what MERS and the banks will do to them and their families for taking a stand “against the monster”.  Will they capitulate?  Will they end up murdered?  Only time will tell.

For those of you who want to learn some “End Game Strategies” to beat the banks at their own game, keep your eyes on Biloxi, MS in July.  It’s kind of like Jekyll Island in reverse.  There are some homeowners who have succeeded in beating the banks using strategies never before plied upon the courts and the courts have given into them because of irrefutable evidence.  I am not going to elaborate what those strategies are on this blog. I’m not giving you free shit that you can go and abuse in court.  It’s enough I’m posting this article, given my reluctance to tell the banks and MERS anything because they read this blog!  However, you will learn these strategies by attending this workshop!  Here is the information I promised: END GAME STRATEGIES WORKSHOP

Believe me when I tell you they are monitoring this site.  Don’t bother posting comments on here, as I will not approve them.  If you have something to say, email me through the Clouded Titles website.  For those of you who think I’m just on here to sell shit, I feel sorry for your attitude of entitlement.  We all have to work for and represent something useful in this life, don’t we?  Otherwise, life is meaningless.

We have FDCPA Webinars slated on the Clouded Titles website.  You can go there and check it out.  The first of four is June 1, 2017.

For those of you whose credit has been tarnished as the result of your skirmish with the banks, check this site out: FES

 

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