Tag Archives: foreclosure

2020 FORECLOSURES BACK IN FULL SWING!

(BREAKING NEWS, OP-ED) — The author of this post carefully posits this article for your educational benefit and any information shared here should not be construed to be legal advice. 

Anyone familiar with this online blog is probably fully well aware that the content shared on this site has a lot of legal undertones, so much so, that many people are apt to misinterpret what’s being said in reality, replacing their thought processes with directives shared as “suggestions” on this site (hence the need for the disclaimer).

The state bar associations are starting to find themselves in a real dilemma.  Three states (Washington, Utah and Arizona) have already initiated non-lawyer “paraprofessional” objectives to allow more folks to have access to the justice system.  This comes at a time when eviction moratoriums have pretty much been lifted and the “man behind the curtain” jumps out and reveals himself  in the form of service of process.

This author is getting closer to deciding a date for when another Foreclosure Defense 101 class should be held.  Of course, with no one willing to fly anywhere, this will probably be held online in webinar format, where you get to ask questions via the chat box.

The thing about foreclosures … statistically, 97% or better of those receiving service of process (notice from the bank via physical delivery via a knock on the door, certified mail, notice of publication, door hanger, etc.) will ultimately decide to pack their belongings and bug out, if what happened after the 2008 financial collapse is any indication.  Maybe we have more liquidity than we did before, maybe we don’t.  If we don’t have the resources to fight, it’s because we’re fighting the urge to resist identifying where those resources are.  The author describes those resources more fully in his book Clouded Titles.

If there was a way you could fight a foreclosure and stay in your home for over two years, would the information in a webinar workshop be worth it to you to have in your arsenal of legal tools?

Then … prepare yourself for the fight (not of your life) that generally sickens most people.  Prepare yourself mentally NOT to do stupid stuff (like give in so quickly).

The legal system has provided us with so many stall tactics (NO! Bankruptcy is NOT one of them!) it’s a wonder more people haven’t stopped to “catch on”.  They just want off the merry-go-round because that’s pretty much what you’ll feel like you’re on when you engage in fighting the foreclosure; however, the merry-go-round is not spinning at 3 miles an hour … it’s spinning at more like 60 miles an hour!  The closer you get to your court date, the faster the merry-go-round speeds up.

If you’ve ever been to a “rocket docket”, like this author has multiple times … it’s a scary thought … watching a judge clear a courtroom of homeowners being foreclosed on in 3 hours or less (just in time for lunch), with their actual case hearings lasting two minutes or less.  It’s amazing how many homeowners complain that they have no access to “justice” when in fact, the legal system has never been more “giving”.  The information highway is chuck full of data if you know where to look.

Planning Your Strategy … in 5 steps! 

#1:

Remember the Harry Potter movie where Hagrid (while strolling down Diagon Alley) tells Harry, “If you know where to go …”?   Half your battle is in research.  If you don’t check your chain of title, you’ll end up choking your chicken in frustration.  (The author doesn’t mince words here.)  This is THE MOST important point in the entire schematic of foreclosure defense, especially when it comes to playing the delay game and playing it well.  If you don’t understand the chain of title, the author’s website offers a COTA Workshop that you can get via download in (4) 4-hour sessions and listen, watch and study what’s necessary to get through from Point A to Point B.

Once you’ve looked at your chain of title, the next fundamental issue in your quest to research details is getting at the truth.  The “truth” the way banks see things and the way YOU should see things all has to do with perception of what the documents in your chain of title say.  The chain of title is like an electric schematic, which tells you HOW things are connected in the series of conveyances, claims of lien and security instruments, which are designed as the hinge pin in claiming ownership of your collateral (your home).  Once you understand how all of this is postured, it makes things a lot clearer in your understanding of HOW to proceed.

#2:

Get copies of every document in the chain of title and examine each one that is relevant to your current situation, especially the assignments (of mortgage or deed of trust).  These little minuscule pages are where the devil is in the details.  A single-page assignment that contains all sorts of false and misrepresentative statements can be the bank’s undoing, at least in the short term.  Filing a quiet title action is NOT what you’re going to pursue in your research.  You’re not ready for that yet.

History has taught us that anyone running into court trying to quiet their title when it’s littered with all sorts of bullshit assignments is not only a big waste of your time and the court’s time, your foreclosure mill attorney will immediately pick up on your strategy and counterpunch you with motions to dismiss.  Quiet title works when there’s nothing left in the chain of title other than a lingering deed of trust or mortgage that’s not connected to anyone and the originating lender is defunct and can’t be found.  The idea here is to attack the assignments head on through a C & E action.  C & E is an acronym for Cancellation and Expungement action, which means you’re filing a declaratory relief action wherein you’re asking the court to examine a document for false statements and to cancel the document and order the clerk or recorder to remove the document completely from the land records in your county so the document has no legal force and effect against your property any longer.   This is what Al West and I developed into a workshop called The C & E on Steroids!, also available in DVD video/book combo form!  There’s nearly 14 hours of really good educational information packed into this kit.  This is the ammo one would use to fight those pesky assignments.  Here’s an idea! Once you’ve done it, make your investment back by helping others achieve success in this realm.

#3:

Knowing where to find the petitions and responsive pleadings is your next research step. There are websites that are devoted to supplying this kind of information if you don’t have time to wait for a pleadings and procedures book for your specific state. You can find these types of books in law libraries and they aren’t voluminous and most of them are self-explanatory.  It’s easy to simply make copies from the book on the pleadings you need (or buy the book online from a legal bookstore).  This author has spend hundreds of hours in the law library “chasing cases” because foreclosure mill attorneys are famous for throwing them around in their pleadings in an attempt to make their point tot the court about how they’re right and you’re wrong.  Many times however, these attorneys throw cases in there that are NOT applicable at all to the scenario you’re dealing with and you have every opportunity to thwart their moves (like one big, giant chess match).

Foreclosure mill lawyers have their own set of schematics too.  They know them well, like a flow chart of procedures.  This is what they get paid for … to execute on that flow chart every time they get a case.  They eat, breathe and shit this stuff on a daily basis and thus, THAT mindset is what you’re up against when you face these shysters in court.  You have the right to be treated as an equal by the court if you can’t afford representation, which means if the attorney says you want a “free house”, you get to stand up, object on the grounds that, “My worthy opponent is at his best when not inhibited by the facts, your Honor!”  In other words, you just matched wits with this lawyer by eloquently calling him a goddamned liar!

This is where research will help you become equally prepared to challenge his or her legal acumen because they will use every dirty trick in the book (like they’ve used on other unsuspecting victims of foreclosure). Facing off in court is not for the faint of heart either … and neither is being unprepared for the battle for the judge’s mind.

#4:

Framing your arguments is probably the biggest mess that a homeowner (or their attorney) can create, especially when it comes to beer belly budgets.  Most attorneys went to law school and learned what California attorney Al West calls, the “shotgun approach”.  This means (in short) … sue as many people as you can for everything under the sun and see what sticks.  Unfortunately, what most pissed-off homeowners don’t realize is that naming multiple defendants costs money: (a.) in developing the case against each defendant and the allegations against them; (b.) in the time it takes to complete the pleadings preparation; (c.) in filing and servicing costs ($300-$400 in filing fees and $60.00 per defendant served); (d.) in responsive pleadings to each defendant (after they file their answer to your complaint); and (e.) case management.  Each defendant will cost an average of $3,000 in legal fees, not counting discovery (via a deposition) which adds another $3,000 in approximate costs for each defendant deposed.  To make the math more simple, let’s say you have an attorney that wants to sue 5 defendants and wants advance testimony from each of them. Without even batting an eye, you’re up to roughly $30,700 and the judge hasn’t even reviewed your case yet.  Until you start evaluating your arguments, you have no idea what a lawsuit (or counterclaim) against a foreclosure is going to cost you.

While an answer to a judicial action can be a simple process, compulsory counterclaims aren’t.  If you’re trying to buy time, filing an answer in a judicial proceeding will buy you an average of 60 days, or until a court date is set and you get notice of it.

And all of the arguments in the world won’t help if you can’t keep track of timelines.  One of the biggest mistakes pro se litigants make is not keeping an eye on the court docket once a foreclosure proceeding has been commenced and the battle begins.  Not keeping track of the timelines and what the Rules of Civil Procedure mandates you must do in order to stay in the game successfully can kill a case with one missed filing or one missed hearing.  The other side will use their arsenal of tricks to up-end your best laid plans, especially when it comes to beating you on civil procedure.

#5:

With judicial process, you at least get your day in court, yet most homeowners don’t take advantage of that because they’re too busy running scared. Now imagine being in the middle of a perceived pandemic and facing a banking tyrant and its attorney head-on when all you can think about is how to avoid a potential brush with death.

With a non-judicial process, locking horns with the lender in court is the only way you’re going to stop this kind of foreclosure because the lender has resorted to advertising and selling your property on the courthouse steps instead and if you’re like the author, you’d want your day in court and the only way to get it is to file a lawsuit against the servicer and any parties coming against you that have made themselves “relevant” parties.

One would at least want to find at least one defendant in-state.  This is how diversity jurisdiction is defeated because lenders will quickly remove cases to federal court because the amount in controversy exceeds $75,000 and the plaintiff lives in one state, while the defendant lives in another state.  In-state defendants could include: (a.) document manufacturing plant employees; (b.) local law firms bringing the foreclosure action; and (c.) lenders whose headquarters are domiciled in whatever state you are filing the action in.  This won’t work if the bank is just a branch of a main bank headquartered outside of your state.  Most people don’t sue the trustee, unless the trustee (named within the deed of trust or substituted into it using a Substitution of Trustee document that follows a bogus assignment).  Then … it’s open season on the trustee.  Attorneys will give you a lot of push back on this because they don’t like suing within their own profession nor do they especially like suing trustees.  The trustee  is supposed to be a neutral party; however, when they do something totally egregious, there is established case law in most states that can wield an axe in the form of liability.

Again, the biggest issue is picking a fight with the wrong party.  Generally, rampant emotions cause bad decision making and that is another fine line item that gets homeowners in trouble.  If you’re going to litigate, let logic replace emotion.  You’ll need logic along for the ride.  There’s plenty of time for celebration later when you’ve effectuated your “Plan B” all the while holding the lender at bay.

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A QUESTION OF LIABILITY?

(BREAKING NEWS, OP-ED) — The author posits the following for your educational consideration in light of the current uptick in foreclosures and this article should not be regarded as legal advice. 

Here’s a brief scenario for homeowners to ponder … 

It’s 2009.  A Tampa homeowner was among thousands served by a process server with a Summons and Complaint to Foreclose because of an alleged default on their mortgage.

Like most homeowners at the time, when served, they freaked out.  They freaked out, so much so, that 97% of them decided to pack up their belongings and move away.

Like most homeowners at the time, before the foreclosure even took place, more than likely, they couldn’t afford to pay their hazard insurance, which is mandatory under their mortgages and deeds of trust.  That’s usually the first thing that gets defaulted on BEFORE the mortgage payments go into arrears.  The next thing that goes into default is the property taxes, despite the fact most mortgage loans are escrowed.  But what if they’re not?

So the Tampa homeowner gives up in despair, with no hazard insurance in place and moves out, leaving the swimming pool uncovered and the backyard fence unlocked.

A couple moves in next door and as they’re moving load after load into their “new home”, they notice their 2-year-old toddler has wandered off.  Where do you think they found him?

Floating face down in the neighbor’s pool … unable to  be revived by paramedics.   Nice first day in their new home, huh?

THIS REALLY HAPPENED IN TAMPA, FLORIDA

The couple discovered that the bank was foreclosing on the property and sued the bank for negligence.  The bank balked, saying that the title to the home was not in the bank’s name but in the name of the homeowner because the foreclosure was not completed and the bank wasn’t in possession of the home.

So who’s liable?    The Tampa homeowner?

For further clarification, check out this newly-released, 10-page case: Apex Mtg Corp v Great Northern Ins Co et al, 7th App Cir No 19-2525 (Aug 24, 2020)

This will help you understand how banks think. This will also help any homeowner under fire in a foreclosure setting to understand what unintended consequences are.

Even if your name is still on title, there can be unintended consequences if anything happens on your property AFTER you vacate it.

Next, look at Page 5 in the case and see how the 7th U.S. Circuit Court of Appeals viewed “actual possession” and “default” as to their stated terminology.

Here again, we look at the definitions in play as the means for who’s liable and who’s not.

Who’s in possession? 

The entire schematic in this case falls upon the party in control of the contract (mortgage or deed of trust).  This is why this case is very self-explanatory, no matter how many times you read it.  It contains some great nuggets that may help in keeping homeowners in foreclosure trouble out of hot water.   While the author of this post submits that the responsible thing for any vacating homeowner is to “secure” everything on their property to prevent such dangers, what sense does it make putting all that extra money into a place you’re going to end up moving out of?

As long as you are in possession, this author suggests you examine the chain of title for flaws and suspicious assignments because those assignments will generally be filed just prior to the alleged lender attempting foreclosure commences the process against you. Fighting those suspect documents is clearly a way to stay in your home for up to two years, which is why this author has materials available on the Clouded Titles website. No pressure.

If you have lots of equity in your home, the banks want the house and they’ll fight you for it, which is why this author likes the idea of selling and downsizing while the benefits of recovering any equity are within reach.  This gives you more options.  The author only suggests fighting if the bank is moving too quickly and you need time to market and sell your home … or stay in it until you’ve formulated a PLAN B.  Staying in the home and fighting the bank for years on end only adds to the stress on your body’s immune system, which by now, you’ve probably figured factors right into why your chances for getting COVID-19 might be higher due to a weakened immune system.

Having a weak immune system makes you more “liable” to succumb to more than just the common cod.  This author knows because he’s seen it first hand.

Stay the course.  Fight if you have to.  Always have a PLAN B … and don’t be afraid to do your due diligence to avoid unintended consequences.

 

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TEXAS GOVERNOR UNDER FIRE FOR CLOSING NIGHT CLUBS … AND OTHER STUFF, INCLUDING FORECLOSURE NEWS!

(BREAKING NEWS – OP-ED) — I’m including the latest breaking news, including foreclosure-related cases, for your review and rumination. 

News from the Lone Star State …

And the misinformation and disinformation continues, despite Texas’s Lt. Governor Dan Patrick telling Dr. Anthony “Flip-Flop” Fauci to shove it on FOX News.  See the video interview with Laura Ingraham HERE!   After seeing the number of patents Fauci has and will benefit from, you can certainly see my disdain in giving him a nickname, since he seems to be the “giant zit” on the rectum of all of the fecal disinformation that got everyone at each other’s throats (someone hand me another piece of ass-wipe … I seem to be out … everyone’s beat me to the supplies again).

The Texas Bar and Night Club Alliance filed a class action lawsuit, the second suit filed this week against Texas Governor Greg Abbott, for taking discriminatory actions against night clubs, claiming they’re hot spots for COVID-19.  The suit asks for $10,000,000 in damages and states that Abbott should have given the bars more than 24 hours notice before ordering them shut down, which was not the case this time and the lawsuit maintains that Abbott is abusing his emergency powers “without proper legal notice.”   The bar industry in Texas alone employs over 800,000 workers.  Florida’s clubs have also been shuttered unless they serve food more than 50% of the time.  In both states, salons and spas have been allowed to reopen, where bar owners claim the social distancing rules go right out the window because the salon stylists are touching the hair, scalp and face of the clients, regardless of whether they’re wearing a mask or not.

News from the Pot-Smoking, Open Carry, Gun-Toting State … 

Meanwhile, in Colorado, one restaurant owner defied her state’s lockdown orders, keeping her restaurant (which serves alcohol) open and fully running.  Lauren and Jayson Boebert kept Shooter’s Grill open despite a sheriff’s cease and desist order.  This isn’t an ordinary bar and restaurant either. It’s located in Rifle, Colorado:  CLICK HERE TO GET YOUR MIND BLOWN! 

The significant thing about the owner, Lauren Boebert (a Florida native), is that she just defeated a five-time GOP U.S. Congressman (incumbent) in the 3rd U.S. Congressional Primary in Colorado … CLICK HERE FOR THE VIDEO!  The 33-year-old restauranteur and mother of 4 faces off against Democratic challenger Diane Mitsch Bush in the November general election.  It never ceases to amaze me how the mindset of America is changing more in favor of not only protectionist as to a country, but protectionist as to its people.  Well … if you don’t know your rights, you don’t have any.

Just in case you missed it … 

For those who missed Friday night’s broadcast with Dr. Judy Mikovits on City Spotlight – Special Edition … you can listen to the broadcasts (both of them) under the Show Archives (under the FES Banner) for FREE, on the CloudedTitles.com website! You can’t make for a great argument against Flip-Flop Fauci without knowing the science!

In other related QAnon-type news … 

On yet even another note … this is a 45-minute video you might want to partake in if you have a bit more time: WATCH HERE! (It’s still on YouTube! WOW! … I got this video from one of my old school chums who’s an attorney in California!).  

Meanwhile, have you noticed that Bill Gates has been quiet of late and they just arrested Jeffrey Epstein (who didn’t hang himself)’s sidekick, Ghislane Maxwell?  Are we draining the swamp or what?  1, 2, 3, 4, 5 … senses working overtime!  (thought you might like to take a break from the “heavy” in favor of some happy music)

In foreclosure-related news … you’re going to love this case! 

In this instance, the alleged REMIC trust, which is nothing more than a glorified administrator for a cesspool of defaulted loans (and not really a REMIC), got its butt kicked in the Maine Supreme Judicial Court.  Read the case here: Wilmington Trust NA v Berry, 2020 ME 95 (July 2, 2020)

This is why you have to be sharp forensically, especially when it comes to the Rules of Evidence.

Let’s move up to the federal level, with another FDCPA “published” win for the homeowners! 

In this case, the Consumer Financial Protection Bureau even got involved, submitting an amicus brief in a state whose courts just hate whiny homeowners.  Read the case here: Bender v Elmore & Throop, PC, 4th App Cir No 19-1325 (July 2, 2020)

And this is why we have Courts of Appeals … because U.S. District Court judges always seem to be pro-bank, pro-debt collection agency, pro-whatever as long as they get to play God for 15 minutes. Patience is more than a virtue, especially when it comes to an FDCPA claim.

And when both the lower court and court of appeals seem to play “pin the tail on the donkey” with your rear end, there’s always hope in the Supremes! 

And for yet another whammy involving Rules of Evidence, the hearsay rule and why it’s sometimes necessary to take the matter all the way up to a state Supreme Court, check out this case: Jackson et al v HFC III et al, Sup Ct Fla No SC18-357 (July 2, 2020)

And in my final stab at First Amendment freedoms … see the latest case where a high school went after a cheerleader-reject after she wrote “Fuck Cheer” on a Snapchat post … (hint, hint … the cheerleader won … go team!).  The amazing thing is this case was precedent setting …

B.L., a minor vs. Mahanoy Area School Dist, 3rd App Circuit No 19-1842 (June 30, 2020)_Precedential

But for all the headaches and legal expenses incurred by mommy and daddy, I would think it’s better to control one’s emotions, especially on social media, unless you’ve got a big bank account and a serious axe to grind.

So much for a bit of light reading, eh?

Happy 4th.  Stay safe.

Celebrate your freedom … while you still can!

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JUST BECAUSE YOU’RE PARANOID DOESN’T MEAN YOU’RE NOT BEING FOLLOWED!

(OP-ED) — The opinions expressed herein should not be construed as legal advice.  

CONTACT TRACING WAS NEVER THE BEGINNING

Imagine commuting around London … or even walking on any given street.  Chances are, you’re being monitored by one of over 250,000 cameras strategically parked within the framework of the city.  The U.S. has yet to experience anything to such a degree outside of the more populated areas because there hasn’t been a need for it.

That is, until now.  With the USA Patriot Act, which keeps getting renewed over and over by Congress (the first batch of elitists that have a right to be paranoid), a good chunk of our civil rights have been stripped away … and we keep letting Congress do this.  Not to their credit, Congress has not begun to feel the full effects of multiculturalism, which is a primary consideration when it comes to socialistic behaviors coming out of our government.  Multiculturalism is widespread in London.  London has more to worry about in the way of terrorist attacks than New York does.  However, foreign cells lurking in this country have to be absolutely loving what they’re seeing in the streets of most major cities in America.  They can sit back and let some disgruntled, misguided, uninformed protester do their dirty work for them.  They don’t have to blow shit up.  Antifa or some other extremist faction will do that for ’em.  Multiculturalism breeds contempt and anarchy and it also breeds racism.  Anyone with an ax to grind won’t like living in multicultural areas of the U.S. for the very same reason that when the COVID-19 related curfews and travel restrictions are lifted, a heavy migration from multiculturalized areas will begin in a dramatic shift to areas like Florida, Georgia and Texas.

As you are probably well aware, following spring break, special phone technology software was deployed to trace the paths each of the spring breakers took when they left the various “party zones”.  It’s scary to know that just using your cell phones GPS tracking mechanisms, people with the proper software can trace your paths, as insignificant as you may think it seems (to be harmless).

And this is just off of cell phone technology.  Imagine what things would be like if the government demanded you be “chipped” as part of a vaccine program, so no matter whether you have your cell phone on you, you can still be tracked.  Are you ready for that because the implications are there that it’s coming as part of a plan to depopulate the world through the vaccine program.  Understand that I speak from personal experience when I tell you that the government lies and commits acts of deceit against its own citizens.

DO WE HAVE A REASON TO BE PARANOID?

Our elected officials seem to know more about how we should behave than we do.  In fact, they all think they’re better than we are.  They’ve forgotten that they serve us. We don’t serve them.  We pay their salaries.  They get their honoraria from brown-nosing people who want to hear their speeches.  Many of them own businesses and make a lot of money despite the fact they serve in Congress.  They don’t want to lose those perks so they spend a lot of time out of their planned activities getting re-elected.  So they are paranoid that someone else who the voters like better will run against them and they certainly can’t have that now, can they?  So, yes, they do have reason to wonder who might be talking about them behind their back.

Paranoid runs afoul every time people have to worry about being attacked, confined, arrested, jailed, interred in a camp or deported.  You name whatever crisis there is and those afflicted will have a reason to worry about their given scenario to the point of neuroses.  Also bear in mind that the authorities are watching Twitter and Facebook posts and tracking down illicit comments or violent threats, despite the fact all the offender was doing was venting.  Since we are in the middle of an era of censorship, Facebook, YouTube and Twitter will all make sure you’re (mostly Democrat) posting left-wing-type arguendo or you or your posts will be systematically censored and deleted from public (and even your) view.

WE ALL HAVE A DIFFERENT PURPOSE IN LIFE

Jesus loves the little children

All the children of the world

Red and yellow, black and white

All are precious in his sight

Jesus loves the little children of the world

And then the little children learn what they live … and they grow up.   One form of learning about oppression is having a parent in prison.  When you look at the statistics of the number of people in prison in America, it’s sickening.  And how then are people supposed to make a living with stigmas attached to them?  Or do they go on living inside of that stigma?   Acting out what their parents taught them by example?  What about the black parents that program their children with hatred towards cops and white people?  There have been numerous stories done where the persons commenting about what they teach their children (i.e., how to stay alive when confronted by a police officer, etc.) and why.  If we are taught to be racially motivated we will act out what we are taught. However, not all blacks have espoused to this negative teaching.

Some became professionals (attorneys, accountants, architects, engineers, scientists, doctors, nurses, etc.) because the world offers them the opportunity but only if they take positive advantage of it.  Sadly, many of them become enslaved in student debt.  This is an unfortunate reality in America, not just for black Americans but for all Americans.

Some became blue collar workers (manufacturing, tradesmen, carpenters, builders, air conditioning repairmen, etc.). Some used the assistance of a trade school (plumbers, electricians, etc.).  They actually took the steps necessary to get an education in that given skill set a lot quicker than trying to jump hurdles through a liberal juggernaut of a college.

Then you have service workers (these come in all kinds, from waiters and waitresses, to cooks and cleaners, maids, butlers, nannies, etc. ).  They get where they are based on a lot of experiential knowledge.   When people get mad and burn down their restaurants, they find themselves out of work.  How then are they supposed to survive?  What did the protests accomplish other than destruction of property and putting people out of work?  How is that setting a positive tone for how we are supposed to conduct ourselves civilly in America?

When we conduct ourselves inappropriately, we draw unwanted attention to ourselves.  This is yet another reason why people have reason to be paranoid.  They know that at a point in time, their paths will cross with authority, whether it’s the local police or sheriff … or something bigger, like the FBI, ATF, the IRS or the National Guard.  We have laws to set a guide path for ALL Americans to follow … thus, ALL LIVES MATTER.  The promotion of anything else is a display of racism and bigotry.

All of the protesting can work against the very people that complain in the streets.  Peaceful assembly is constitutionally allowed.  Violent assembly is not tolerated.

ERASING HISTORY WILL NOT STOP PREJUDICE

Getting pissed because someone is flying a Confederate flag at a race track is not the time to “take a knee”.  It’s a time to understand that if you’re a NASCAR driver, you’re there to race.  You’re there to win.  You’re there to compete with the big boys … other professional drivers who have the same objective as you do.  Demanding that a piece of history be removed from the track is counterproductive because it sets you apart as a “rebel”, the very same thing Johnny Reb stood for.  The C.S.A. rebelled against the North.  We cannot avoid discussion of the Civil War.  600,000 lives were lost over a battle about states’ rights.  Slavery was a minor issue in this war.  President Lincoln made it a major issue when he put forward the Emancipation Proclamation.  Black men fought for the Union Army in exchange for their civil rights.

Those who are ignorant of history are condemned to repeat it, so trying to change it by removing statues won’t eliminate the underlying reasons for why prejudice exists.  It just buries those prejudices deeper.  It doesn’t matter whether you live in a Red State or a Blue State. Prejudice is prejudice.  Eliminating history only makes people resent the protesting even further.  We are a nation of laws and equality.  We can either make use of the opportunities we have and adhere to the laws set forth for us to abide by as civil human beings … or this nation will devolve into another Civil War … and then Congress won’t be able to stop it.  They will become more paranoid because they see a grab for their power.  Absolute power corrupts absolutely and you should understand that people who are in positions of power have the opportunity to manipulate the way you think, even if it causes you harm in the future!  The Congress will be quick to condemn the President for not doing anything and the President will be forced to implement martial law in America, which will drive the revolution into “insane mode”.  Because the size of the population of the U.S. is 322-million people, the casualties of a second Civil War will far outnumber the number of fatalities in the first Civil War.

BEING RIGHT WHEN THE GOVERNMENT IS WRONG IS ALSO A REASON TO BE PARANOID

This COVID-19 “pandemic” is constantly being called into question. First, Dr. Judy A. Mikovits exposed her private life and research in Plague of Corruption … and now we have a former U. S. Army nurse speaking out (whistleblowing) in this VIDEO that will have you questioning authority, modern medicine and its abuses on society.

The government is monitoring everything and everyone … because it is paranoid and government employees believe everything politicians tell them. If you advocate for an outright revolution, you can bet “they” are listening into your phone calls and monitoring your tweets and posts on social media.

The time to maintain a status quo low profile is now, not when they come to your door.  Hope for the best. Prepare for the worst.  Paranoia will only create more neuroses, so learn to deal with those sinking feelings and understand that you’re probably not alone in your thinking, especially if Uncle Sam’s boys come knocking at your door (or some process server, serving you with foreclosure papers).

 

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FIGHTING TWO BATTLES AT ONCE

(OP-ED) — The opinions expressed in this post are those of the author and do not reflect the opinions or affirmations of the political hierarchy in America.  These opinions are offered for the purposes of self-preservation in a time of dual crises in America. 

POSTULATING REALITY

America is in crisis mode.

I would say that the statement I just made is correct given that we have two separate battles we are fighting.  One to save ourselves and one to save our homes.

I think we can all agree that the combination of circumstances could be timed to coincide with each other (the coronavirus pandemic and the execution of George Floyd) as catalysts for what is to come (a spike in COVID-19 cases and the upstart of foreclosures) because (with the help of the liberal media) most of America is “not awake” and is being conditioned for slaughter (if not at the hands of the rioting, then at the hands of the vaccine) and potential homelessness (or direct conflict on America’s streets).

Given what we know about the scientific mapping of xenotropic murine retroviruses (XMRV’s) and the medias ignorance of them, Americans are in the middle of a war for their votes as well as their mindsets.  Most of the folks on this blog have read up on the research conducted by Dr. Judy A. Mikovits (who I would like to interview on my radio show, specifically about the science … to have her explain all of this in layman’s terms) which she claims was covered up by Dr. Anthony Fauci and the National Institutes of Health (the NIH) and others, who rewrote and published false data in order to cover up government liability for allowing lethal vaccines and viruses to be put out into America and the world.  Several scientists who attempt to go public with information that could be considered vital to saving lives ended up dead.  This is documented fact.  In her book, Plague Of Corruption, Dr. Mikovits gives the names of those individuals and briefly outlines their tragic endings, most of which were ruled suicides (e.g. Vince Foster).  There is no conspiracy when it can be documented that: (a.) the dead individuals were scientists; (b.) the dead individuals were involved in government research; and (c.) the individuals are dead in tandem with their data being whitewashed by government-funded agencies.

THE TIP OF THE ICEBERG

This scenario goes deeper than just the idea that a vaccine (the savior of the world) is being synthesized in at least 8 different laboratories (according to Fauci himself; using lab rats and former COVID-19 patients) with the intended use of being injected into unsuspecting “victims”, all of whom should consider themselves “guinea pigs of science”.  As Dr. Fauci admitted to the Senate (regarding the vaccine and its development) in contradictory vernacular … “The NIH trials moved very quickly … on January 10th the sequence was known.”

Wait a minute.

If the World Health Organization (WHO) knew on December 31, 2019 that the coronavirus was wreaking havoc on the Hubei province in China, then, in order to conduct trials to have a result by January 1oth (as to an RNA sequence of the retrovirus), then Fauci and others either had previously known of a breach of safety protocols at the Wuhan Institute of Virology and had actual samples provided to them to begin sequence testing on.  Remember the timeline.  WHO did not announce this pandemic until January 15, 2020 and only a small percentage of America paid any attention (“It can’t happen here.”).  Vaccine development, according to Fauci’s own testimony to the United States Senate, began on January 14th (2020) … the day BEFORE the World Health Organization announced an active worldwide pandemic.

How could Fauci and the NIH know what they were looking for unless they had access to the virus?  We have to ask why the Wuhan and Fort Detrick, Maryland bio-labs shut down?  Who gave Fauci and the NIH the money to fund the Wuhan Institute of Virology’s experiments with coronaviruses?   What did either facility have to gain by culturing these viruses in a lab?   Why did it all of a sudden become necessary to cause a major distraction in America, following bailouts of the “too-big-to-fails” as well as the minuscule payouts to American taxpayers to create a sense of false security (like our government was actually doing something to jump start the economy)?

The major distraction I’m talking about here is the purposeful videotaping and dissemination of the execution of George Floyd at the hands of four Minneapolis Police Officers.

At the point I saw the video, I’m asking myself (and you may have been too):

  1. Why did the person doing the videoing of the execution not tell others to call 9-1-1 and report what they were witnessing to tell dispatchers to send supervisory personnel to the scene to stop the execution?
  2. What purpose did the cop who had his knee on Floyd’s neck have for staring blindly into the camera as if he were purposefully making Floyd’s death look like a white-on-black crime of police brutality?
  3. Why didn’t the bystanders to the entire event jump the cops and pull them away from Floyd and beat the holy shit out of the cops and save Floyd’s life?

These bystanders saw one of their own in trouble and did nothing to help George Floyd.  And now they scream “Black Lives Matter” while infiltrators penetrated their ranks and caused riots, burning and looting of stores and homes, while beating and killing store owners and police/security who were trying to defend others and their property?

I don’t get it.  Well … maybe I do, but are you ready for the realization that all of this was orchestrated to draw your attention away from the real caper?

The vaccine … and the tainting of the upcoming elections to steer America further into socialism.

Fauci told the Senate that the vaccines would be ready by late winter, yet it has already been announced that over a million vaccines are ready to be administered.

Something isn’t right here. 

Fauci claims that America is “Chairman” of the vaccine program and he further admitted that a vaccine will be produced to inoculate the world, not knowing of the consequences (the risk) of whether the vaccine will actually work.

“I must warn that there is also the possibility of negative consequences … that certain vaccines can actually enhance the negative effect of the infection.  The big unknown is efficacy.”  Fauci told the Senate.  Efficacy has to do with the success of a desired result.  What might that result be if the consequences could be negative?  DEATH?

Fauci went on to admit that all of the research has been accelerated through public and private partnerships (with Big Pharma, the bunch that has the biggest lobbying effort in Congress) to speed up the research and production of the vaccine so that billions of doses can be sent out worldwide … this is like a rush to judgment in my book.

Until they start inoculating the willing souls, we won’t know whether they’re actually going to be giving Americans and citizens of the world a vaccine that could infect human tissues with retroviruses that will kill over half of those injected within a short period of time.  Imagine only having half the world’s population to contend with?

Would it be easier to deal with and control many billions of people?  Or would it be easier to deal with and control millions of people?  Would lower numbers make it logically easier to control the population of any given country?

THE SECOND “WAR ON AMERICA”

And as states allow the administration of the vaccine, not knowing of the intended or unintended consequences of its administration, the folks who were out protesting (and rioting and looting and burning) have now potentially put themselves in harm’s way, not just from the vaccine itself (which might deliberately give them a full-blown case of COVID-19 which will kill them), but leave their families destitute … and what happens when you let your guard down?

The banks strike!

The next major land grab may play out this way.  And if you have been indoctrinated by “false flag programming” (media conditioning), you will not be of sound mind to wage war against the mortgage loan servicers coming to take your home. Look at it this way … throughout history … who makes money off of wars?

The banks do!

Throughout history it has been shown that the major banking institutions have funded both sides of actual conflicts (wars).  And those who have played into the Black Lives Matter are the first ones to start screaming to the government for help (nanny state tactics aside) in saving their homes because the families living within them have been decimated by a vaccine.

The one thing that Dr. Mikovits made note of in her book, which I paid particular attention to, is for those wishing to research patterns of medical crises as the result of a vaccine look into what vaccination programs were being administered and where, prior to the outbreak of the medical crises in that given area.  This should tell you what to expect in different parts of America or parts of the world (like Africa … where Black Lives Matter?) where administrations past have conducted vaccination programs, resulting in spikes in disease and death.

Waging war against a bank in the middle of a crisis like this (constant fear of home invasions by looters and rioters and other forms of civil unrest) will have people on edge, which is the perfect scenario for the banks, their servicers, the trustees and their lawyers to take advantage of an already-heightened “fear factor”.

How will people of color (especially those who participated in the protests) explain to police that crimes are being committed against them and to investigate those financial crimes, after telling police to go fuck themselves and protest that departments should be defunded?  How do these people expect “help” from the very same law enforcement in investigating whether intentional identity theft and misuse of their personal information is being used to foreclose on their homes after they had the unmitigated gall to exact violent and radical behavior against law enforcement agencies across America?  I find all of this counterproductive.  It’s just that those who were part of the problem now expect law enforcement to be part of the solution.  I really get that.  It’s not happening for them.

My prediction here is that those Blue States who are in financial trouble and whose populations demonstrated the highest levels of radical and violent behavior will suffer the greatest number of foreclosures in this upcoming second attack by the banks because of their own demented behaviors in promoting civil unrest, disorder, disobedience, destruction of property (both public and private), violence resulting in death, all the while making a mockery of America’s failed justice system.  And you expect the courts to be on your side when you have to go into their tribunals and wage war to save your home?   The judges watch TV too.  The judges are (I would suppose) equally perturbed at the BLM campaigns being waged across America.  I believe that judges are going to be less sympathetic to homeowners because of all of this protesting and rioting, which is why I made the foregoing assertion.  We’ll see how much Black Lives Matter when the foreclosure crisis kicks in again.

Instead of becoming united ahead of a major election, Americans have become disjointed, which is what many Democratic politicians believe will work in their favor come election time.  Could we assert that people who died of COVID-19 are still registered to vote?  Could their vote still be cast for Democratic politicians even after they’re six feet under?  You bet.  This is what is driving America closer and closer to socialism.  One of the key fundamentals of socialism is wealth distribution.  Wealth distribution promotes laziness (free handouts).  Laziness brings with it a false sense of security.  Having a false sense of security makes one less resistant to the element of surprise.  Having the power to swoop down and take over neighborhoods by and through military force works even better when no one is expecting it.

Socialism begats communism.  Why do you think Russia is officially referred to as the Union of  Soviet Socialist Republics (USSR)?  And now we have China to worry about (potential Cold War because of the dispersion of the coronavirus) as well as our own government (disjointed politicians who are being lobbied by Big Pharma to destroy us because our very own taxpayers dollars with funneled through the NIH to Wuhan, China).  Not the greatest scenario for trying to defend your home, eh?

WAGING WAR AGAINST THE SERVICERS

As I close out this segment, remember that these entities have been paying the REMIC trusts’ investors advance payments while the corona-crisis was ongoing.  When the moratoriums are lifted, you can bet they’ll be knocking on your door asking to be reimbursed in some way, shape or form.  As a result of the advance payments, you can expect the following to occur:

  1. If you’re current in your mortgage payments, you won’t need a forbearance or a loan mod, which is why the second wave of REFINANCE YOUR HOME campaigns are going to start up in the fall (watch for it … they want to make sure every home loan is securitized … making it easier to steal in case you default);
  2. If you’re only a month or two behind on your mortgage payments because you’ve been out of work for a short period of time but expect to resume employment, you can expect to be offered a forbearance;
  3. If you are several months behind, you are more than likely going to be offered a loan modification, which promotes the use of a trial period of payments (so the servicer can reimburse itself for all of the advance payments it made on your behalf); and
  4. If you have been way behind in your payments, you’re likely to face immediate retribution by the servicers, as taking and selling your home, whether by stealth or through the use of feloniously-recorded documents, will play out as quickly as the servicers can get the “legal ball to roll downhill”.

Given the atmosphere in America, humility in front of the judge may not cut it.  You’re going to have to solidly prove that your rights are being violated or that illicit behavior is being committed against you.  With the coronavirus causing the courts to conduct hearings electronically (what society wants you to believe is the “new normal”), your chances are even less of getting a fair shake because that judge doesn’t have to face you (in person) or your wrath after you’ve been screwed in electronic court.  The panic created throughout the court system will work to the disadvantage of those who are unprepared for it.  This means your pleadings are going to have to be well-thought out, on point and divisive.  There will be no room for error because of intolerance created through civil unrest in America.

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Filed under OP-ED, Securitization Issues