Tag Archives: Florida

When the deck is stacked …

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

AMERICAN GRIDLOCK

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

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

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

“NEW NORMAL” MY ASS!

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

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

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

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

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

TEST GROUPS

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

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

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

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

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

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

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

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

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

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

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

AMERICA’S COURT SYSTEMS WILL GO INTO OVERDRIVE

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

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

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

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

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

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

AND AS WE APPROACH THANKSGIVING …

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

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

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

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

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

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

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

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

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

SURVIVAL OF THE FITTEST

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

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

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

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

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

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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

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CDC LIED ABOUT COVID-19 DEATH COUNTS!

 

(BREAKING NEWS – OP-ED) — The author posits this news for information purposes only.  Understanding that every person in America has a different opinion of the WHY … the fact we’re now hearing about this makes this author feel like part of “draining the swamp” should happen in Atlanta! 

THE BASTARDS! 

The author prefaces his comments by referencing the following 17-minute YouTube video, featuring Montana physician Dr. Annie Bukacek: (CLICK HERE TO WATCH!)

Inaccurate information gives false results and false data … thus, a false sense of security

It becomes necessary to put the preceding video up as a “baseline” for understanding the WHY in the manipulation of COVID-19 death data.  Reporting inaccurate death data has a presumption that in doing so, more taxpayer money will be steered to the cities and states that allegedly “needed” it.

Massive changes to our political system and deprivation of our constitutional rights now come to the forefront, based on a flawed reporting system.  The inaccurate figures are now being postured as a means of fearmongering in order to cause the population to believe that the “government’s way” is the only way, by vaccine.  If the government says (through Dr. Anthony Fauci and other medical professionals at the CDC and NIH) that we should all wear masks and eye goggles, their suggestions are based on false reporting of data.  Because most Americans choose to believe everything their own government tells them … and the spoon-fed media regurgitates this false data verbatim … like pablum … the whiny-ass babies that are totally insecure out there (suffering from obvious cases of cryptorchidism) accept these false truths as fact.

Hilter’s own propaganda minister even expressed that if you feed the public a lie often enough, over time, they will come to believe it.  Yet people like Democratic Presidential Frontrunner Joe Biden thinks we should all wear masks in public for the next three months (why 3 months?) until the election is over, so if he wins, Biden can declare that his mask-wearing campaign was enough to squash the COVID-19 virus and now the Democrats can go back to allowing the Red Chinese access to all of our trade secrets.

Pushing the nation down the road to a state of totalitarianism is not what the American voters signed up for.

Lions and tigers and bears, oh my! (repeat louder and louder until something jumps out at you)

And this author wonders why Dorothy and her band of three (in the movie The Wizard of Oz) were “following the yellow-bricked road”.

“PAY NO ATTENTION TO THAT MAN BEHIND THE CURTAIN!”

And now we revisit a PDF document that was generated by the CDC last March: Alert-2-New-ICD-code-introduced-for-COVID-19-deaths

Now that you’ve seen this report, what else doesn’t make sense?

As if using tracking in your cell phones isn’t enough (with the upcoming threat of 5G), there is a setting on your phones (under PRIVACY) that you need to check on (if you haven’t done so already).  Under PRIVACY, there should be a link to HEALTH.  Go there and make sure those COVID-19 settings are turned OFF.  Otherwise, you’ll be tracked everywhere you go and through contact tracing, you’ll be notified if you get close to someone who may have tested positive for COVID-19.  We don’t know if that’s accurate, given the death numbers are being fudged.

The other thing that makes no sense … why release all of these convicts from prison and then make everyone wear masks?  What else do these social engineers (like Bill Gates) have up their sleeves?  Whatever it may be, you can bet Donald Trump and only a partial number of key GOP leaders won’t support it.

In my book, those who are willing to take the vaccine are more than likely willing to take “the chip”.   These people are spineless wimps in the author’s playbook.

Again, in this day and age, it’s dangerous to be right when the government is wrong.

Urban Flight v. White Flight and your Right to Privacy

Even the tiny State of New Hampshire is experiencing an increase in population from New Yorkers as reported by its governor.  The reason: To escape COVID-19 threat and higher taxes.  This is what has pushed the sales figures higher in real estate over the summer months.  This also means that if you have any kind of equity in your home, now might be the time to liquidate, take your equity and downsize into the rural area where your survival chances increase.  Urban flight will consist of mostly WASPs that are looking to escape the Blue State mentality while White Flight escapes the prejudices of multiculturalism by relocating to the country, preferably onto acreage where “they can see ’em coming” and be able to defend themselves (“lock and load”).

Is the false COVID-19 death numbers driving this panic?  You bet.  This author has analyzed at least 5 different databases/sources that all draw the same conclusion.

What’s worse … it appears the government has taken more steps into the digital age to set up spy networks to monitor the activities of the average American citizen. The Department of Homeland Security has set up Fusion/Intelligence Centers, trying its best to keep this program hidden from the public.  It’s warrantless surveillance at its finest folks!

Let’s say you get stopped for a traffic ticket and you know damned well you didn’t do what the cop said you did.  So you refuse to identify yourself or refused to have your photo taken or your fingerprints scanned.  The Maine State Police (for example) will run whatever available photo it can get of you through its database to potentially ID you through your social media sites.  They have actually taken your picture scan from your cell phone (that you use to unlock your smartphone) and transferred that photo into their databases without your knowledge.

Fusion Centers are secretly collecting information on driver licenses, license plate numbers, names and addresses of legal gun owners, monitoring political activist groups and collecting members names and addresses.  The Fusion Centers have also created networks of Threat Liaison Officers (TLOs).  These are secret citizen officers who have to sign a nondisclosure agreement.  These people could be trash collectors, code enforcement and public works employees … and even teachers, ministers and priests … masquerading as everyday people. So remember, when you post an updated profile picture … it’s almost certainly guaranteed to make the Fusion Center’s database, to be shared nationally with other databases.  Hello 1984 and Big Brother.

The Two States that have the best Property Rights

By far, anyone doing their due diligence will come to understand that Texas (#1) and Florida (#2) have the greatest respect for the rights of property owners.  Texas even has its own power grid (even though parts of it are deteriorating).  Florida is rich with solar start-ups, which is the best way to get cheap power over time.  Surprisingly, both of these States actually have land parcels that are still affordable outside of the major metro areas (which you should avoid).  Crops grow well in Central Florida, much the same as they do in South Central Texas (longer growing seasons).  You can do a lot on 5 acres in either of these two states!  Neither state has State Income Taxes!  Both have higher property taxes, which offsets everything else.  The bankruptcy laws in both states favor land ownership in greater amounts.

This is just a smattering of what you should be looking for if you consider yourself part of either two class of “flight” groups and wish to conduct any kind of research.

The Bottom Line … THIS was a Test! 

  1. This was a test to see just how many Americans could be duped into believing there was an actual crisis.
  2. This was a test to see just how many Americans would switch their party loyalty based on how the perceived crisis was handled.
  3. This was a test to see just how many Americans believe everything they see and hear on TV and social media.
  4. This was a test to see just how many Americans will run to the nearest vaccine center and take one or more doses of the “vaccine”.
  5. This was a test to see just how many Americans would rather live off the government dole (socialism) by succumbing to sitting at home drawing unemployment instead of going back to work.
  6. This was a test to see just how many American States would fall for phony data and lock down their economies so the real culprit (Deep State) couldn’t be blamed for job losses.
  7. This was a test to see just how many American businesses would survive an economic crash.
  8. This was a test to see just how many American consumers are financially sound (based on whether they were able to make their monthly mortgage payments).
  9. This was a test to see how a perceived crisis could further polarize America through furthered political agendas.
  10. This was a test to see just how many American minds could be manipulated for political and financial gain.

This is a Warning of Things to Come! 

  1. A good portion of Americans have awakened to the fact that the entire crisis (COVID-19 pandemic) and its relative data was manipulated to scare us all.
  2. A good portion of Americans believe that wearing masks and practicing social distancing is sheer folly and borderline stupidity when it comes to protecting oneself from COVID-19.
  3. A good portion of Americans are willing to shame other Americans for not believing everything their government tells them.
  4. A good portion of Americans have gone out and purchased greater quantities of food supplies, guns and ammunition, believing that civil unrest may be the “new normal” (and become more widespread) as prejudice and racism becomes more predominant in the polarization of America.
  5. A good portion of Americans have determined that whatever scientific data is out there does not support taking one or more doses of the vaccine.
  6. A good portion of Americans are not aware that they are being internally spied upon by their own government.
  7. A good portion of American governors are using the lockdown to blame the Trump Administration for all of the ailments caused by Blue State socialist programs.
  8. Urban flight and white flight will continue to increase as more of the perceived truth “gets out there”.
  9. The amount of civil unrest and social tensions will continue to increase where it will no longer be safe to live within any major American city, especially one controlled by Blue State ideologies.
  10. A majority of Americans will be caught off guard as the number of foreclosures and evictions begin to skyrocket during the fourth quarter of 2020 and escalate further into 2021 and beyond (another redux of the 2008 financial crisis).

Most Americans would probably agree with this author that America’s economy was doing really well until the perceived “pandemic” hit this nation.  This could also mean that getting back on track means going back to doing what made us successful BEFORE this perceived crisis hit.  The left-wing media is trying to tell you what the “new norm” is … and this perceived crisis is only eight months old (starting in January when travelers with the virus entered America).

Rewind the tape.  Look at what history has taught us (through your own research) about reliance on government instead of self-reliance.  NOW is the time to act in your own best interests.  Stay the course in November in order to keep the economy from deteriorating.  This is a ploy to further government control.  If you believe that Socialism and Communism might be in America’s future, you may be right, especially if you don’t act to change the balance of power in Washington.

Once these two ideologies have fully invaded America, you will either succumb to their whims or die trying to fight them.

Author’s Note: Putting out 2000-word essays is not an easy task and undertaking such a feat requires a modicum of research into the perceived ticking time bomb caused by multiculturalism in America.  Socialism has never “worked well” where it has been instituted. Why do people continue to believe it will work in America?

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LESSONS LEARNED … INTER ALIA

(BREAKING NEWS — OP-ED) — The poster of this blog is not an attorney and thus, the items proffered on this post should be taken in context as court rulings and should be further interpreted by bar-licensed attorneys (past the point of your personal discretion).  The commentary posted here is not legal advice but is for your educational value only. 

The month of March certainly roared in like a lion when it comes to court cases.  There are 3 of them which are integral to learning about foreclosure defense as to the “what to do” and “what not to do”, or in the alternative, what to “take away” from the herein discussed cases versus “what is irrelevant” and unimportant in them.

FEDERAL CASE: FDCPA

The attached case is a precedent setter out of the Third U.S. Circuit Court of Appeals:

Riccio et al v Sentry Credit Inc, 3rd App Cir No 18-1463 (Mar 30, 2020)_Precedential

If anything could work to your benefit, the Appellant’s attorney’s contact information is listed within the ruling.  This case involves abusive debt collection practices prohibited under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq.

This case appears to work to your advantage in the event some snarky foreclosure mill lawyer attempts to remove your case from state court to federal court, which allows you to amend your declaratory relief action to include “debt validation” because this case smacks in that direction, the requirements of a validation notice under the Act.  The questions in this case concerns whether “oral disputes” are also covered under the Act.

This is one of the key reasons I keep telling people, when it comes to debt collectors, you can’t take phone calls into court … or can you?

15 U.S.C. § 1692g(b) specifically demands that the debt collector needs to be notified “in writing” within the 30-day dispute period, demanding validation of the debt. This is the very issue that the Third Appellate Court appears to have considered.

This case clearly involves a third-party debt collector, whom we all hate, right?  Because the defendant (Sentry Credit, Inc.) (a.) was out of state; and (b.) involved a federal question (FDCPA), this case definitely belonged in federal district court (see my book FDCPA, Debt Collection and Foreclosures for further explanation).

The thing is … the defendant did indeed require a response from the Plaintiff in writing; however, it also provided her with “multiple options”, including calling them on the phone.  Debt collectors just love it when you call them because they can use their “power over” tactics on you to verbally beat you into submission and get you to pay.  This is why I’ve always said, “put it in writing”, no matter what.

Page 10 of this ruling clearly indicates the Court deemed that “intra-section variation strongly signals that § 1692g permits oral disputes.”   Page 11 also indicates that if you call up and dispute the validity of the debt, without putting it in writing, the debt collector can continue its collection efforts. Putting the dispute in writing (and sending it certified mail, return receipt requested) puts the debt collector on official notice and starts the clock ticking, wherein a response is due immediately.   Pages 12 and 13 bring to bear the “that dog won’t hunt” argument against overreaching in an interpretation of the law to get it to mean what you want it to mean.

Frankly, when debt collectors used to call me … I knew what my rights were and I pinned their ears back with FDCPA and challenged them on everything they said, telling them to “put it in writing” so I have something to take them to court on.  Arguing over the phone is like electricity, the path of least resistance, especially when it comes to enforcing your rights under the law.  There is no easy way out.  If you want debt collectors to do anything, maintaining your right to engage them on the phone is just as good as doing it in right because it saves you time and a stamp … well, now it appears you’re grasping at straws.

More importantly, the Third Circuit didn’t want to upstage Congressional intent when it wrote the language into the law by attempting to “correct a congressional error” and make its own law out of what Congress intended, thus “rescuing Congress from its drafting errors”.

Even more importantly, the Third Circuit also delineated the difference between a “panel ruling” and the effectiveness and superior trait of an “en banc” ruling (the entire appellate court).  It’s important to really get into those pages (18-21) and the discussion involving the differences in opinions (a real educational plus).  Stare decisis is also covered within this discussion, which, if nothing more, is good in of itself for educational enlightenment. Not only that, the Third Circuit overturned one of its previous decisions as to “oral disputes” based on the lack of FDCPA language!

In issuing the ruling, the Third Circuit clearly made it plain and simple that if you want the FDCPA to work in your favor with “no legal impediments” … then stop being lazy, quit arguing with the debt collector over the phone … and put your demands in writing so the law will firmly support you when you file an FDCPA suit!

INVESTOR WINS HOA FORECLOSURE SALE SUIT IN NEVADA!  

There’s no doubt that homeowners associations wield a lot of power.  In some states, like Nevada, after a period of time with no challenge, the parties purchasing HOA-foreclosed properties can wipe out a debt without it being considered “super priority” lien status.  Such was the case here:

Berberich v Bank of America et al, 136 Nev 10 (Mar 26, 2020)

I just love the way the Nevada Supreme Court writes its opinions … short and sweet and easy to understand.  Thus, I’m not going to be verbose here.  What this boils down to is why we have appellate and supreme courts … district court judges are always “looking out for the banks” and have a tendency to “err on the side of … ”  (I didn’t say “caution”).

What this all boils down to is chain of title.  The possessor of the property held it in title for nearly 6-1/2 years and sought declaratory relief to extinguish the deed of trust which secured a prior owner’s mortgage (if you need a full-blown course on cancellation and expungement actions, you can get it HERE!) loan.

The Plaintiff even sued MERS (which I wouldn’t have done … but) because it was a MERS-originated deed of trust.  Bank of America, N.A., which appears to have little regard for quiet title actions, especially when it comes to their alleged “skin in the game”, argued the Plaintiff’s complaint was untimely.  The Plaintiff filed a motion for summary judgment (meaning no triable issues of fact) and the District Court (looking out for the banks like these judges always do), ruled against the Plaintiff, who timely appealed.  Like the previous case I discussed here … again, relevance to prior case law comes up as to actions to quiet title and considering the statute’s “plain meaning”.  The importance of the plain language is clearly clarified in this ruling:

“Now taking a closer look at the statutes plain language, we clarify that the limitations period provided by NRS 11.080 only starts to run when the plaintiff has been deprived of ownership or possession of the property.

Thus, considering the statutory text as a whole, we conclude the limitations period in NRS 11.080 does not run against a plaintiff seeking to quiet title while still seized or possessed of the property.4 See Kerr, 74 Nev. at 272-73, 329 P.2d at 281 (indicating in dicta that NRS 11.080 did not apply where the plaintiff was in joint possession of the property “up to the very time when he commenced his action” to set aside a deed based on fraud and failure of consideration).

Consistent with this understanding of NRS 11.080, the limitations period is triggered when the plaintiff is ejected from the property or has had the validity or legality of his or her ownership orpossession of the property called into question. See, e.g., Salazar v. Thomas, 186 Cal. Rptr. 3d 689, 695 (Ct. App. 2015) (discussing the general rule in California, which has a statute almost identical to NRS 11.080, see Cal. Civ. Proc. Code § 318, that “whether a statute of limitations bars an action to quiet title may turn on whether the plaintiff is in undisturbed possession of the lane (quoting Mayer v. L&B Real Estate, 185 P.3d 43, 46 (Cal. 2008))).

“[M] ere notice of an adverse claim is not enough to commence the owner’s statute of limitations.”

Thus, Nevada’s highest court found that the statute does not bar a property owner who is in possession of a piece of property from bringing a quiet title action; however, the statute of limitations begins to run once the owner has notice of disturbed possession.  Since that wasn’t established (as to disturbed possession), the en banc high court reversed and remanded the case back to the district court with instructions!

U.S. BANK SCREWS MAINE HOMEOWNER … BUT WERE ALL THE DUCKS IN A ROW?

The State of Maine’s Supreme Court has come out with some pretty damning case law against the banks, especially when MERS is involved.  I will cite the most important “take aways” from this case and also get into the real “red meat” that appeared to have been missed.  Read the case first:

US Bank NA v Gordon, 2020 ME 33 (Mar 17, 2020)

First, since a REMIC was involved, no one bothered to question whether the assignment was bogus. No one questioned as to whether the appellant-homeowner was really in default, as there is enough language out there (in the mortgage loan community) to indicate that on the 25th day (or so) of every month, the servicer makes advance payments to the investors through the Trustee.  So then, the question becomes, who was harmed?  The borrower didn’t have a contract with the servicer.

No one bothered to challenge the endorsement either. As always is a precursor in the First Circuit, most court cases discuss MERS “nominee” status in the recording of the mortgage (as if MERS has some glorious, all-powerful rights vested in it because it’s an “agent”).  It also appears that the servicer may have executed a phony “ratification of assignment”, which memorialized the previous 2009 assignment.  This of course, happened RIGHT BEFORE foreclosure proceedings were commenced.  The Borrower of course, challenged standing based on his claim that the ratification was “inadmissible hearsay” and that even if admissible, it was insufficient to prove U.S. Bank’s ownership interest in the mortgage.

Page 3 clearly explains the effects of a recorded document under subheading “A”.  Not once did I see (and you can fact check me if you want to) an attempt to do a C&E on either the assignment or the ratification that was used to give more “legal effect” to the first bogus act (in 2009).  Gordon had plenty of opportunity to challenge the validity of these documents under M.R.S. Title 17A, Ch. 29. Nor did Gordon attempt to destroy the validity of these documents by civilly putting forth a cause of action under the Maine Unfair Trade Practices Act (Title 5 §§ 207 and 213). Maine has existing case law that allows for documents to be challenged, cancelled and expunged … Abbott v. Treat, 78 ME 121 (1886) … and that is an OLD, WELL-ESTABLISHED CASE!

Once these two documents were challenged, Greenleaf and Saunders, Maine’s two infamous anti-MERS cases, could have then come into play here.

In other words, you can’t create and record one phony document to give the first phony document more legal force and effect when the first phony document was full of false and misrepresentative statements (constituting perjury on the land record).

There was no discussion on the authority of the MERS (potential) “robosigner” on the first 2009 assignment of mortgage.  Despite all of the colorful “resolutions” that MERS puts out into the marketplace in an attempt to give its “agency” status some sort of God-complex-like authority, its “Certifying Officers” have to have a fidelity bond and an errors and omissions insurance policy, naming them as insured.  Lacking this, the signers lack authority to do anything, except to go into a closet and play with themselves.

It also further appears that Gordon had a “legal aid” attorney representing him, which is another reason the attorney probably wasn’t aware of document challenges, which this case appears to have been totally ripe for challenging.  This ruling came out on St. Patrick’s Day … definitely NOT the pot of gold at the end of the rainbow.

INTER ALIA … (the Latin term for “among other things”) …

There are other valuable lessons we’re learned through time and that is how the United States (and its individual states) respond to a crisis … like the crisis we’re currently facing.  Despite the fact that this coronavirus has not taken the toll of the Swine Flu, the Avian Flu or most certainly the Spanish Flu, it still shows us that our medical response-ability in this country is sorely lacking.

In Florida, 170 people are now dead as of the 6:00 p.m. count, with 1,334 admitted to hospitals (figure a 50% mortality rate) and 10,268 total cases opened of which 9,925 have tested positive for COVID-19 (figure a 30-40% mortality rate), so we’re looking at over 1,000 dead (just in Florida) before this is all over and we’ve not hit our “apex” yet.  There’s no flattening of any curve (and certainly not our tummies from all of the unhealthy junk food we’ll be consuming the next 30 days) any time soon.  This 30-40% of the cases reported at present (up to 3,200) are at risk of expiring on a ventilator, that they may not get to be put onto because we lack them too.  So now I’m projecting our death toll at well into the thousands before this ends.  The U.S. toll will be much worse, especially in areas of dense populations (Detroit, New Orleans, Chicago, Miami) because … well … that’s just the way things are among the “entitled”. 

The State of Florida goes into a “safer-at-home” mode statewide as of midnight tonight (the 2nd). That does not however mean, that Floridians are going to absolutely “heed” the warnings and stay put.  They’re too used to partying.  I mean, with many in the Sunshine State claiming “retired status”, what else is there to do besides having back yard parties, formal and informal get togethers, golf and boating outings, fishing excursions and hanging out in bars listening to live music, getting hammered on happy hour pricing … along with going out to eat  … Floridians’ favorite pastime and going shopping.

It was obvious we didn’t learn the meaning of social distancing, so the “nanny state” has to kick in and do its thing to remind us we need to be more responsible to each other if we’re going to continue to survive, even in the future as to further pandemics.  And I’ll concede here the Governor’s order was late in coming, but will it have any real impact if peoples’ attitudes remain the same (as if the order hadn’t come at all)?  I’m not faulting the Governor’s delayed reactions.  None of us were prepared for this eventuality and we should have been.

We still lack masks, gowns and respirators.  We still lack toilet paper (because someone out there is wiping their ass a 1,000 times a day) due to hoarding, as well as hand sanitizer (despite reports that it may not be that “sanitary” to use as a foolproof guard (like Lysol) for NOT killing the coronavirus.

I am going to go to the store and buy one bar of Castille Soap (x 4 for 4 bathrooms in my house) and no more, so that I am sure when I wash my hands, ALL of the germs are getting wiped out, as there are questions of whether the “antibacterial” soap, which is supposed to get rid of “bacteria”, which viruses are NOT, is as effective as “they” say.

Among other things, join R.J. Malloy and me on City Spotlight-Special Edition on WKDW-FM this coming Monday at 2 P.M. EDT … click HERE to get online and then click LISTEN NOW to join the broadcast (at 4 minutes past the hour).

Stay safe and stay healthy (I’m still doing the Allimax thing and I’m feeling great! allimax.us).

A BIT DISCONCERTING UPDATE … 

Stuff has been circulating about that is a bit inflammatory and disconcerting as to some folks’ deep-seated feelings about Americans (click the photo to enlarge it and click the back button to return to the article):

I can safely say that not all of the Chinese feel this way. There is a certain segment of any population that has deep-seated resentment for someone or some group of people. Take for instance, the polarization that has occurred within the two-party system in this country. Why does it occur?  Because the media and the political pundits have been successful in pushing peoples’ hot buttons. It has forced societal upheaval that will compound the issues surrounding this pandemic.

I have not heard the latest socio-economic data on the “end result” this pandemic could have on America, but if people do not become united in the effort to “stay at home” and slow down the spread of COVID-19, this pandemic will take more lives than the Civil War (1861-65) did.  For those feeling “entitled” … you are “entitled” to your opinion … and you are “entitled” to stay home and be safe as well.  Again, the larger the population center, the more likely the spread of the virus because people feel the need to be around other people.

“Gee, I just found out I have the coronavirus.  I think I’ll go visit Grandma and give it to her. Then I’ll go visit my sister and give it to her and her kids. Then I’ll go to the local shopping mall and cough all over the place and give it to as many people as I can, because I have little regard for anyone else’s life if I’m on my way out the door!”

The foregoing paragraph may sound sarcastic; however, history has shown us that there are people out there in society who behave this way.  Bottom line … if you treat the situation as that everyone you know has it … you are only safe at home.  Like Dorothy said when she clicked her heels together 3 times … “There’s no place like home.”

 

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UPTICK IN REPORTED U.S. COVID-19 CASES!

(BREAKING NEWS, OP-ED) — 2:50 p.m. EDT, March 27, 2020

3.3 Million new unemployment claims have been filed across America as the loss of jobs on a grand scale has forced Americans to go on assistance, despite the $2-trillion stimulus (pork) package.

The United States has now surpassed China in the number of reported coronavirus cases. The death toll in the U.S. is now over 1,000 people. 

New York has now become the epicenter of the coronavirus as the spread is accelerating. 

The Empire State is reporting (a new revised figure at the time of this post) 23,112 cases in New York City alone, accounting for 365 deaths there. The State of New York’s reported cases is greater than the sum of all 49 states’ reported cases! 

Worldwide, the number of coronavirus cases has exceeded a half million people. 

Tomorrow evening (March 27th), City Spotlight – Special Edition’s Dave Krieger (along with co-host R. J. Malloy) will be updating you on the latest statistics of what has happened in America and how communities are reacting.   The program airs shortly after 6:00 p.m. Eastern Daylight Time on WKDW-FM, North Port, Florida. Tune in for more information … as well as our “take” on things. 

FLORIDA CASE REPORT

As of the time of this update, the number of Florida cases rose to 2,900, with 34 deaths and 456 people hospitalized.  Statistically, this represents about .012% of those infected; however, it does not tell us how many people are infected and don’t know it yet, which is why states are putting their citizens on lockdown and only allowing essential services to operate. Florida is not one of them yet.  Rather than implement a statewide lockdown, Governor Ron DeSantis is allowing the counties to decide whether the pandemic in their own region is worthy of containment to the point of telling residents to stay home. 

Meanwhile, those business in Florida who are in need of assistance due to business losses can contact R. J. Malloy at WKDW-FM Radio (an agent for the SBA for the small business loans) at (941) 564-8739 and he can help you apply for low-cost emergency funds.   Since all 67 counties have been declared a disaster area, emergency assistance from the SBA can now be applied for. 

FLORIDA’S GOVERNOR HAS ISSUED AN EXECUTIVE ORDER: DO NOT COME TO FLORIDA! 

Excessive travel is not recommended, especially people planning on coming to Florida.  The Governor has issued an Executive Order for residents outside of the State of Florida NOT TO ENTER the State at all, especially from areas like New York, Connecticut and New Jersey, where the virus has been tabulated in record numbers. The Executive Order appears to have been issued due to residents fleeing the New York Tri-State area (NY, NJ, CT). The Order requires incoming “escapees” to undergo mandatory 14-day isolation and has made it a misdemeanor crime punishable by 60 days in jail and a $500 fine if not adhered to, with the costs of the isolation paid for by the airline passenger trying to “escape”. The Order says nothing about those from that area sneaking in by way of a vehicle. 

Many counties in the State have taken up the idea and several have implemented restrictive curfews and lockdowns.  South Florida (Palm Beach, Broward and Miami-Dade Counties) and Hillsborough County (Tampa) are the current “hot spots” in the State for the coronavirus.

I’m going to be belabor my previous points again here because most of you have already read much of what was contained on previous posts.  

UPDATED NEWS ON THE C&E —  There appears to be a glimmer of hope on the horizon: 

  1. An attorney threatened a servicer with a C&E action in Florida.  The servicer immediately lowered the sale price of a probate (reverse mortgage) property by $20,000 rather than risk a trial.
  2. Another attorney in Lee County, Florida pushed for discovery in another C&E action.  The law firm for the servicer called, wanting to settle the matter before trial. 
  3. Another investor filed two (2) criminal complaints on 2 separate properties in Las Vegas, Nevada with the Metro Police Department.  The Police Department forwarded both complaints to the Clark County District Attorney and the Nevada Attorney General’s office for further criminal investigation.  When the opposing side’s lawyer found out about the criminal complaints, she told the investor’s attorney, “We are taking these criminal complaints very seriously.”  Duh?  

These are just 3 examples of how powerful a C&E is!  You can get the entire DVD/book training kit online at CloudedTitles.com/Shop

I mean seriously … what are you doing for the next two weeks confined at home?  Why not get an education?  Knowledge is power! 

And for those of you in despair, there is some lightheartedness out there: Coronavirus Rhapsody

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