Op-Ed — The author of this blog (Dave Krieger, not the same “Dave Krieger” that got fired from the Boulder Daily Camera for speaking out against the newspaper’s owner, a hedge fund that he claimed was the ruin of his daily newspaper, where he was an editorial columnist, against the orders of the publisher) has written four consumer-related books and four legally-related manuals on debt collection, credit restoration, foreclosure defense and “end game” strategies. The purpose of this blog is to encourage activity through education and not to render legal advice.
Woe is NOT me!
I write this post to convey a thought process that had not only entered my mind at a point in time back in late 2002, but I also had to consider that other American homeowners have also had this same thought process under similar circumstances as frequently as the moment you’re reading this post. My intention here was not to write this in a demeaning way, for we are human and as humans, we make mistakes. I wrote the book Clouded Titles because I made a mistake and I wanted to learn from it through research. I self-published my first version of Clouded Titles in December of 2010 after two years worth of research into what in the hell was going on across America, partly because no one else was rising to the occasion and I saw a need for getting this research out there. Someone had to say something … and no one was. Once I published that book, I was no longer a victim of that mistake.
I have been accused by some of being an opportunist.
If you think that selling copies of a self-published book is a way to get rich or was my only purpose for making money in handing out information … the real reason I did this was because time is money … and over time, I’d lost a lot of money. Printing copies of the book cost money, which is why self-publishing is so expensive and many times will stop a person from publishing a book.
I further had to reflect on the ways that homeowners (as borrowers) became discouraged and then confused when they further wade out into the “river of cures” for their situations, only to find charlatans and thieves waiting to take their money and run. This includes foreclosure defense attorneys, many of whom have figured out “the delay game” and recklessly charge for that. While it is true that there are many attorneys who continue to educate themselves as to how to fight the banks and are successful in court, they are far and few between. Many of those attorneys who stand up and fight, get knocked down. Some of them are disbarred for doing the right thing by their homeowner-client.
This is part of the confusion that the banks absolutely love, because they’ve already “gotten ahead of this” legal game they are fighting by having Congress and our state legislatures create laws to help banks and hinder homeowners. Thus, when the confused homeowner finally realizes he’s been duped, he becomes angry and this is where the real problem begins because all rational logic and common sense about litigation goes out the window. Now the angered homeowner “knows everything”, even though he didn’t go to law school.
They just want a “free house”, your Honor!
This statement has been recited in open court tens of thousands of times by foreclosure mill attorneys, while the uneducated homeowner sits there with his thumb up his ass! Why didn’t you or your attorney object? Oh … you didn’t know you could do that?
I’ve discovered there were people who became “entitled”, thinking that all of the research I did should simply be handed to them for free because “they deserved it” and that if I really wanted to help homeowners, I would just hand out all my research for free. THAT mindset is what got me into trouble in the first place. That is part of the “self-pity” phase that will get you into trouble if you let it. My first mistake was to put my first version of Clouded Titles out in pdf format, which was available for $19.95, which was subsequently purchased and downloaded all over the internet for free through the homeowner foreclosure networks. My intention was to use the proceeds from the book to do a national tour, offering free, daily workshops for homeowners in 50 cities, but as a result of this “entitlement”, THAT didn’t happen. I learned NOT to make that same mistake again, because it costs for me to research and publish and my time is worth something. Your time is worth something too. Stop thinking it isn’t. THAT thinking got YOU into trouble because it was at that point YOU became a victim and became discouraged.
I have been accused by some of giving false hope.
Albeit, God only helps those who helps themselves, but I liken this scenario to being slapped around for trying to do the right thing. If you are facing foreclosure or are in the middle of it, then I have walked in your shoes and I do not deserve to be treated as if my voice should be silenced because I chose to stand up and fight. I thought this was America and this is what Americans do when there is a wrong that affects the masses and Congress doesn’t want to listen. Apparently, there are some out there that think I’m trying to get rich off of the backs of struggling homeowners and that was never my intention. This is one of the reasons I volunteer at WKDW-FM Radio and have a consumerist show called City Spotlight – Special Edition, where I’ve spent over a year, discussing my research (along with my frequent co-host, R. J. Malloy, who is a retired attorney and former law clerk to a U.S. District Court judge) with listeners (and attorneys who listen to my show). My show, which is 55 minutes in length, airs every Friday at 6 p.m. EDT and repeats every Monday at 2 p.m. EDT. I have talked in greater detail about a lot of the stuff I teach at my workshops (chain of title, foreclosures, corruption in the court system, etc.). You can listen live just by going to the website and clicking LISTEN LIVE … for free! (You get to pay for internet access, as NOTHING is for free!)
I regularly donate money to keep this radio station going, as it is listener-supported community radio. If I make anything off of my program, it will be because it may be syndicated in the future. I will continue to donate part of those proceeds back to the station to keep it running.
BUT! Why should I continue to do that if you don’t care?
I have had any credibility I sought to build (through my efforts to educate and speak out) attacked by MERS, the banks, law enforcement and the media.
This goes to show you that in life … no pain, no gain.
Even if you have pain, the first thought entering your mind is to give up and run away. Others have tried that and failed miserably.
I have learned that when you run … you fail! Throughout history, Americans who ran from a fight ended up being taken prisoner and we have all been enslaved in debt in this country to one extent or another.
I became aware that as early as 2011, bank attorneys and information technology employees working for the banks and MERSCORP, Inc. nka MERSCORP Holdings, Inc. (and its wholly-owned subsidiary, Mortgage Electronic Registration Systems, Inc.) were monitoring my every activity, from radio shows to TV interviews to blog posts. They do this for a reason. They want to know if authors like myself are saying anything defamatory about them or spreading false rumors about them. They also wanted to monitor my “educational output” because they want to know HOW homeowners were being taught to fight back and what they could expect. This further educated them as to HOW to counter attack homeowners in court. This blog post and my radio show are not the only outlets being monitored either.
Because of my sharing of this research to the Texas Clerks’ Association, my team and I were retained by Nancy Rister, who is still the County Clerk of Williamson County, Texas, to conduct an audit of her records (see the link below):
As a result of the release of that “Audit”, then-MERSCORP, Inc. CEO Bill Beckmann bought almost a full page ad in the Austin American-Statesman, on February 7, 2013, attempting to refute the contents of the 179-page report. I knew for sure that this so-called “MERS”, by whatever definition, was watching the goings-on and the public reaction to my research and the results of the report.
As soon as the OSCEOLA COUNTY FORENSIC EXAMINATION was released to the public, the media outlets (who I suspect were spoon-fed information by the Osceola County Sheriff’s Department, in violation of F.S.A. § 400) proceeded to attack myself and Osceola County Clerk of the Circuit Court Armando Ramirez because of my “colored past”. This is all part of the sacrifice I had to make … and some of the disgruntled homeowners, naysayers and gainsayers proceeded to jump on the bandwagon … people who I thought were fighting for homeowners … and attacked me as well by furthering the misrepresentations contained in the media news outlet reports. You see, this is all part of a process known as “demonization”. It’s what the “system” does to those who protest in order to “keep them in line”.
I do not care what some of these gainsayers have said (including referencing my “bolting from a news conference” I elected to speak at like “O.J. Simpson in a Hertz commercial”) because it became obvious to me that they were just out to get publicity for themselves at my expense. Several attorneys who read the 758-page Forensic Examination wanted to sue the gainsayers for defamation, but I told them that what they did was part of the cost of “getting the word out”. They can say all they want, but the truth is out there. Bad press is still press. So the next time you see those assholes, and you know who they are, thank them for the further misinformation and bad press, because it furthered my cause.
The banks and MERS reacted to it. Law enforcement reacted to it. The media was spoon-fed 20-year-old information so they could take up a political agenda against the Osceola County Clerk, Armando Ramirez. Soon after the reporter wrote the scathing article, he quit the Orlando Sentinel. The Osceola Sheriff whose detectives I suspect leaked the information to the media in violation of state law did not seek reelection. What should that tell you? It pays to fight!
Here’s the thing … we’re Americans. A large number of us fought and died to preserve our rights under the law for the rest of us ever since the history of this great land of ours began. Have we forgotten what history has taught us?
The world doesn’t end just because you got “served” with notice of foreclosure … so … I have to wonder why the percentage of homeowners who “run away” is so high.
It does not matter whether you’re in a “deed of trust” or “mortgage” State, the bank (or its servicer) HAS TO serve you with notice that your home will be advertised and sold on the courthouse steps on a given date in time or in the alternative, if you don’t show up in court, you will be found in default and could lose your home anyway. Sadly, 95% of Americans who get “served” with foreclosure notices pack up and move. They run from a fight. No matter what. They too suffer the end result of 7 years of bad credit or continued attacks by third-party debt collectors who bought their deficiency judgments from the banks, post-sale because they chose to be a victim.
I refused to be a victim … and I changed my scenario!
No bank can ever foreclose on me. I live quite comfortably through my own efforts and not because I “fleeced” money out of disgruntled homeowners on a regular basis. I pay for this website to post blogs. I offer workshops that I have to charge for to cover the expense of bringing in attorneys to teach foreclosure defense information to struggling homeowners. I only do this once a year, when and if the need arises. I saw the recent uptick in foreclosures announced by Black Knight Financial Services and THAT, my friends, precipitated my need to pay attention to trending activity on the part of the conniving megabanks banks who appear to be in control of Wall Street and the secondary mortgage market.
If the percentage of homeowners who ran away from their mortgages (and their homes) was only 25% (and not 95%) … and everyone knew the rules of evidence and civil procedure (as foreclosure mill attorneys do), then there would be no need for me to even continue this blog post, let alone host seminars. However, the uptick in foreclosures has regenerated the need to help homeowners again and this is why there was a need to set up a workshop. The foreclosure activity against American homeowners will not stop until the banks and Congress have all turned us into a nation of renters and debt slaves who can be controlled by the hierarchy. The league of those who believe that they know more than we do is called an oligarchy. Frankly, this “league” is there because they’ve already figured out that if you have money (and lots of it), then they can be in control of not only their lives, but the lives of others also, including yours.
I am still “in the fight” and I am mortgage free, even with my “colored past”!
You have to understand that at some point in time, through a decisive action plan of steps, you can finally see the “light at the end of the tunnel”. If we were taught to live by example, then why weren’t we financially educated in high school? Today’s financial education is still “missing” or “lacking”. I believe this is deliberate. Media advertising is still deceptive to a degree because it lures people into using credit to “buy now and pay later (with interest)” for something they should have saved for all along. It seems that no one saves anymore. We are so conditioned to impulse spending we’ve forgotten that principle. Having equity in a home is also a form of saving, but even equity is FAKE until its realized through the fruition of sale of the property. THAT should have been the American Dream … but it wasn’t, was it? Over half of America is NOT prepared for perceived “retirement”. That’s sad, even though they could do something about it.
Most people who are debt free (or even mortgage free) might simply just ignore the plight of all others who face the perils of foreclosure. So why am I still here? Perhaps my own personal experiences have been either by best friend or my worst enemy. I am constantly continuing to research and learn lessons from all of this.
Whatever the case, if you don’t know your rights, you don’t have any! I may be missing some of my rights, but you do not have to be placed in or succumb to the same situation. Your first ambition (goal) should be to learn HOW you got into this mess … and then learn HOW to get yourself out of it WITH AS LITTLE FINANCIAL DAMAGE AS POSSIBLE and with as little of a financial risk as possible!
So quit with the “pity party” and start looking for right answers through right thinking … and stop thinking like a victim.
THAT’S STEP ONE!
Stay tuned for STEP TWO!