Tag Archives: mortgage loan servicers

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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NO MATTER THE ELECTION OUTCOME, FORECLOSURES WILL PROCEED

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

POLITICAL NEWS ASIDE … 

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

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

THE WORKSHOP … 

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

Understand the following:

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

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

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

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

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

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

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

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

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

 

 

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AMERICAN FORECLOSURES … DIVIDED WE FALL

(OP-ED) — The author of this post puts forward this information for the purposes of education and enlightenment and not for the purposes of rendering legal advice. 

THE MORATORIUMS ARE GOING AWAY SOON

If you’re a homeowner who has been affected by the coronavirus to the point of losing a paycheck and not being able to make your mortgage payments, you’ve probably been living off your credit cards during this “lockdown”.  The anticipation that you’re going to start hearing from your mortgage loan servicers (if you haven’t already) is growing to the point of panic and anxiety knowing that you’ve been given a reprieve for so long but that point in time is coming to an end and you’re going to have to face the music.

I for one do not believe that the 2-month lockdown warrants the same type of foreclosure activity that took place between 2009-2014 as a result of the 2008 financial crisis, despite the fact that the nation’s economy has suffered a serious upset by the pandemic.  The difference between what happened in March and what happened in 2008 was that the secondary markets were quietly imploding and didn’t hit us until the actual collapse of Bear-Stearns and Lehman Brothers started a tidal wave of Chapter 11 filings in the subprime lending markets.  We saw this one developing and began to prepare (for some, like me, you saw it coming in February and started accumulating whatever cash and supplies you needed), which included but was not limited to, hoarding toilet paper and hand sanitizer.  The fact the pandemic was hidden from most Americans for better than two weeks only shortened our preparation time.

Many Americans ignored the warnings of the viral component’s ability to spread … hence, Spring Break.  This was only one of the catalysts.  Two separate cruise ships on both coasts (San Francisco and Miami) were already affecting dozens of passengers, one of which I knew from a non-profit organization that she and I were both a part of.  She was dead upon arrival into the Port of Miami.  When it’s someone you know, it hits home rather quickly, sometimes too close to home.  But at least we knew the ships (full of sick and dying) were headed straight at us.  We at least had time to prepare and mobilize our resources.  This isn’t something that was intended to cripple our morality.  The virus seemed intentionally let loose to cripple our economy and thus, our modes of survival.

POLITICS ASIDE?  NOT!

This entire crisis has been manipulated by the medical community, including but not limited to, the National Institutes of Health (NIH), the Centers for Disease Control (CDC) and Dr. Anthony Fauci, the President’s adviser.  Be mindful of the fact that Dr. Fauci (who I equate to Dr. Josef Mengele of Nazi fame) has served previous administrations, both Republican and Democrat (before you start raring up your emotions at little old Libertarian me for daring to question what’s really going on here).

Both the Republican and Democrats have taken advantage of this crisis.  Both sides of the aisle debated and passed legislation to benefit their own constituents.  Both sides of the aisle debated and passed legislation to benefit Wall Street.  Both sides of the aisle debated and passed legislation that gave most of us (but not all) some sort of stipend (dole) as a means of attempting to support those who the government considers “law-abiding taxpayers”.  Both sides of the aisle used the pandemic as a means of either gaining political control or upending the other side’s political control.  Don’t you just hate it when that happens?  And over 100,000 people are dead in America just so both sides can point fingers at each other with accusatory tones.  But also remember, Fauci has told this President (as well as past Presidents) what might happen with the pandemic and what protocols should be followed, whether the protocols (or the informational data used to formulate those protocols) was accurate or not.

Both sides of the aisle have not come up with a remedy (other than a moratorium on government-backed GSE foreclosures) to stop the tsunami of foreclosures that we could have faced if the moratoriums were not extended by the State’s governors to include all mortgage loans, which included evictions.  Now we’re faced with our own set of politics … a national network of mortgage loan servicers, collectively using “the system” to play out unfortunate scenarios against afflicted Americans who still haven’t formulated a PLAN B as to how they intend on dealing with the aftermath of this “planned economic strike” against America.  Everyone of course is pointing a finger at the Chinese Communist Party (CCP) and blaming that entity for our troubles when in fact, the troubles were seriously exacerbated by our very own government in the way it doled out the money.  Again, the trickle down effect impressed not one taxpayer to the point that they thought someone did them a serious favor.

In other words, how long did that $1,200 check last each person already financially affected by the loss of employment.  When the moratorium gets lifted, those who are still struggling could become the first casualties of the second foreclosure epidemic.  I don’t consider any of this at all funny.  In fact, it’s disgusting that America has allowed itself to become embroiled in public debate over police brutality vis a vis the media, who hates Trump and wants your country to be turned into a socialistic state. The media has become so left-liberal it’s sickening.  You can’t turn on any channel and get the truth because politics has (and is) playing itself out at every turn of events.

DEFUNDING POLICE DEPARTMENTS?  DOES YOUR PERSONAL SAFETY MATTER?

Both George Floyd and Rayshard Brooks had much in common.  Both were black.  Both were convicted felons.  Both served time in prison.  Both were in the wrong place at the wrong time.  Both allegedly were involved in the commission of a crime (Floyd for passing a counterfeit $20 and Brooks for being intoxicated at the wheel of a running motor vehicle) for which they were placed under arrest.  Both died at the hands of police officers who were white.  Both were exemplified as poster children by the left and the media.  Both gave anarchists impetus to riot and commit destructive acts.

Now that you see the facts, do the cops need sensitivity training or does the public need sensitivity training?  After all, a young, white woman was captured on video burning down the Atlanta Wendy’s restaurant where Brooks was fatally shot during the riots that followed.  While it is relatively easy for white people to all of a sudden think a black person set fire to the restaurant, the video shows otherwise.  The video shows that there are people with no morals living among us that are out to prove a point … that anarchy is acceptable as a means of protest … even if it involves arson, which is a felony.  The other part of the problem, which my wife was quick to point out over coffee this morning, was that folks stood by videoing the act with their cameras so they could post it on social media because everyone is into sensationalism now.  So, does committing a crime for the purposes of sensationalism make it okay?  Why didn’t the people doing the video taping with their cameras stop the woman from burning down the Wendy’s?   Where did our morals go?   And the left want to defund police departments over the acts of bad actors?  I think not.

The U.S. Constitution and the Bill of Rights provide for the general welfare and safety of ALL Americans, not just the Black Lives Matter folks.  The First Amendment to the U.S. Constitution grants ALL of us a certain number of freedoms (self-expression and the right to assemble peaceably).  However, your liberty and freedoms ends where another person’s liberty and freedom begins.  When you violate the Constitution by committing a crime outside of the boundaries of what the Amendments are designed to protect, then the system has measures in place to deal with the offender.  The system did not afford those protections to Floyd and Brooks because of the actions of a few white officers.  Whether they will be granted immunity is anyone’s guess.  According to a friend of mine in Texas (who is a police officer), there are some who you cannot give a gun and a badge to because they’re more dangerous than those they were sworn to protect.

Many police departments are not funded well enough.  As my co-host on City Spotlight – Special Edition (on kdwradio.com), R. J. Malloy stated, “This isn’t Andy of Mayberry.”  There isn’t an issue over the fact Deputy Barney Fife only had one bullet in his gun, other than for his own well-being in not shooting himself in the foot. The issue is what protection Sheriff Andy or Barney Fife could (or would) do in the event the citizens of Mayberry’s personal protections were in jeopardy.  What police departments don’t need is tanks and military style Humvees.  What police departments do need is officers who are equipped with the means to protect and serve those citizens they were hired to protect and serve.  Anything short of that would represent a disservice to their respective communities, sensitivity training or not.

And here I thought the parental saying (from way back when) of, “Two wrongs don’t make a right” still applied to today’s community standards.  When the police can’t respond, or refuse to respond (as what is happening in Atlanta right now), sometimes referred to as the “Blue Flu” (officers calling in sick as a means of protest), then the level of personal protections afforded under the Constitution are eroded.  This gives way to those without moral scruples to commit further acts of violence.  I sometimes believe these people do these heinous things because they have a bone to pick with authority.  I think it would be best that police would be stripped of their qualified immunity from prosecution if they went “past the point of no return” once the person arrested was restrained or incapacitated, armed or not.  In Brooks’ case, the cop was videotaped kicking Brooks after putting two slugs in his back and was quoted as saying, “I got him!”   What’s that’s supposed to mean coming from a white cop with a bald head (skinhead)?

Despite the fact we can all agree that prejudice has no place in a decent, moral society, it still exists and is being driven deeper and deeper into the hearts and minds of those who feel they are being oppressed.  That includes those who feel that they’re being deprived of their Constitutional guarantees to safety and security.  Police officers should be held to a higher standard, especially when it comes to those they swore an oath to protect and serve, despite the color of their skin.  The bigger problem here is that with society melding into multiculturalism, it will soon devolve.  I predict there will be another spate of White Flight as American society continues to devolve.

UPHOLDING RIGHTS INCLUDES THOSE FACING FORECLOSURE

When it comes to foreclosure, we all have to have a game plan.  In 2008, when the financial markets collapsed under the weight of the failing securities debacle, it set the stage for multiple infractions against homeowners.  The biggest divisive scheme was the creation of notes out of thin air (the notes that had been shredded after they were uploaded as originals into the MERS System®).  It is common knowledge, as well as arguendo amongst those in the mortgage world, that the notes, along with their accompanying mortgages and deeds of trust, were shredded because paper proof of a contract was replaced by an electronic system of record keeping.  Many believe the originals were archived, yet there is no finite evidentiary proof of that.  What shows up in courts across the country in foreclosure cases I’ve reviewed are “copies” of original mortgages and deeds of trust that were pulled down off of the MERS System®, as well as the notes that the mortgage loan servicers now claim to be “originals”.

What we are seeing (and I talking about the collective group of investigative analysts looking into this documentation) is copies of notes being manufactured from copies pulled from the MERS System® and doctored up to look like originals.  The banks and their servicers and document manufacturing plants have gotten very good at reproducing notes to look like originals.  This is why certain individuals, knowing their notes might be shredded, filled in the “o’s” with ink on their promissory nOtes. Anyone reproducing a copy of a note trying to make it look like an original would have missed the filling in of the “O” in “nOte” which would be a dead giveaway of document manufacturing.  However, 99.9% of borrowers did NOT do that at the closing table.  The gullible are always the first to fall.  The gullible wanted the keys to the house, no matter what eventual price they would pay later.  The gullible constituted some 97-98% of  those who vacated their homes as soon as they were served with foreclosure documents because they had no Plan B and were never prepared to have to deal with foreclosure.

I was just speaking with an investor this morning who told me that the average homeowner or attorney could keep a foreclosure at bay for at least two years and keep either the homeowner in the home or rental income flowing for two more years.  So how’s that possible?  I discussed that in my video post on the Clouded Titles YouTube Channel.

In the physical realm, you have certain rights to life, liberty and property.  When you enter into a contract with a mortgage lender, you give up some of those rights in exchange for having a lien placed against your property by and through a security instrument, which is either in the form of a mortgage or deed of trust (Security Deed in Georgia; Installment Contract in Montana).  Most people do not realize that the balance of those rights allow you to examine and litigate certain inequities that may exist as the result of the foreclosure; however, most Americans are just too quick to give up and run away, rather than stand and fight. This is what happened after the 2008 financial collapse.  In today’s times however, abandoning your property puts you at higher risk because of the potential of coming into contact with the dreaded “virus” and succumbing to it.  If I told you that you could stay in your home for two more years just by taking a stand against the mortgage loan servicer, wouldn’t you be the least bit interested?

This is why I’m doing an online Foreclosure Defense 101 Workshop at the end of July.  It may be my last “due diligence” effort at attempting to help those afflicted by foreclosure.  I have made numerous attempts in the past to consult with attorneys behind the scenes and at trial, some successfully; however, the number of folks who wish to take what I have to say seriously aren’t listening.  So, you might ask yourself … why is Krieger even bothering to help these people save themselves from financial ruin?

I take the attitude that “might does not necessarily make right” … and just because you’re a well-funded mortgage loan servicer, that does not take away the homeowner’s right to protest against the foreclosure, both in and out of court.  I’m going to use this opportunity to bring attorneys into the mix to discuss Rules of Evidence and Rules of Civil Procedure.  These two areas are where homeowners are easily defeated.  It is in these two areas that homeowners can stay in their homes for 2 years or longer.

Your rights to litigate are not restricted by the contract you signed at the closing table.  You have every right to initiate a suit and defend a suit (depending on which state you live in and depending on which process you’re engaging in … judicial or non-judicial).  By taking simple, inexpensive steps, you can create a Plan B for yourselves by taking the initiative to respond or act.  It is your decision to learn the tactics or not learn the tactics.  My suggestions in this online workshop are based on research, but I’m going to let a couple of legal professionals share some of these strategies with you in the 4-hour block we’re devoting to educating you on foreclosure defense.  We will be recording this session for purchase and playback on the Clouded Titles website; however, the difference between attending the online live event and downloading a recorded event is that you don’t get to ask questions and get answers right away.  You have every opportunity to fight back and the financial risk to you attending this event online is low compared to the information you are given.  I told you in my blog post about the two-year window that attorneys can carve out for you so you can make alternative plans. As part of the webinar, I’m going to share written details with you in PDF format that will help guide you through your educational “learning curve” about how attorneys can drag a foreclosure case on for more than two years!

Again, you are known by the paths you take and the choices you make whether a homeowner or an investor.  Stay tuned for more posts on this.

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Filed under OP-ED, Securitization Issues

PREPARING FOR THE FORECLOSURE ONSLAUGHT

(OP-ED) — The author of this post is a paralegal and trial consultant on quiet title, foreclosure and document challenges and does not offer the following information for anything but educational “intake” value; thus, none of this should be regarded as legal advice nor relied upon without the advice of competent counsel.  

THE TIME TO PREPARE IS NOW!

Understand that my postulations on this blog serve as warning signals for “how to head ’em off at the pass” and my notions are served by supporting case law.

I consider Rhode Island to be a hopeless case when it comes to MERS-related cases.  Anytime you want to argue what rights MERS has to do anything in front of a Rhode Island Superior Court judge, you may as well just turn around, bend over and let him … (insert your own imaginative deviations here).

However, on occasion, a case will come up where judges’ deviant behavior is called out by their state’s Supreme Court and I make note of the following case as it relates to other matters you should be looking out for at the inception of the alleged “bank” behavior in its attempt to start a foreclosure action:

Woel v Christiana Trust et al, Sup Ct R. I. No. 2018-347 (June 2, 2020)

The very basic tenets of a foreclosure involve “notice” and what constitutes proper notice.  Many things come into play in this 16-page opinion; however, despite the rantings of the mortgage loan servicer in this opinion (Selene Finance), the state’s highest court vacated the Superior Court judge’s for summary judgment in favor of the alleged REMIC.

Preparation for the onslaught by your alleged “note holder” involves some deliberate planning:

  1. Get out all of your mortgage documents and read them, especially the part where the default and any related notices to you come into play.  If notice does not comport to the terms of your mortgage or deed of trust, your focal point becomes attacking THAT flaw, not everything else.  The foregoing case illustrates that.
  2. Obtain copies of all recorded documents NOW!  You get them from your county land records. Do not wait until you start getting notices from your mortgage loan servicer and go into a state of panic or denial and hit the “pause” button.  Because of this COVID-19  pandemic, you have the ideal opportunity to get proactive to deal with what may be coming at you head-on when the moratoriums are lifted and the servicers go on the warpath.
  3. Locate any/all Assignments of Mortgage or Deed of Trust.  These become your secondary form of attack.  You will need to analyze them fully and understand what constitutes the basis for your attack.  Come at them in the wrong way and your attack plans will fail. Examining these assignments requires due diligence and intensive research.  Plan on spending an entire day looking up everyone that is named within those assignments and background them thoroughly.
  4. Develop a timeline of your chain of title.  You have to be able to clearly identify WHAT happened during the course of ownership of your home and identify with specificity WHEN it happened and attempt to detail the reasons for such occurrences.  Knowing HOW an entity operates in order to develop suspect patterns is important in your research, so don’t skimp here, on time or details.
  5. Obtain certified copies of all recored assignments as well as “office copies” of all recorded documents.  You want a certified copy of the assignment as evidence in support of your two-pronged secondary attack.  What I will be sharing in the upcoming online Foreclosure Defense 101 Workshop will deal with this step in the process.  Keep in mind that you may have experience in dealing with previous foreclosure attempts.  Many of the defenses may have resulted in successes in your favor; however, also keep in mind that the servicers’ lawyers are going to ramp up the next time and probably won’t make the same mistake again.
  6. Open all mail and especially those certified letters and notices from your alleged “note holder” or servicer.  DO NOT let them pile up on the desk or kitchen counter. Be excited when they arrive.  Be excited when the process server comes to your door.  DO NOT avoid service.  If you do, the bank’s lawyers (who are really representing the servicers) will serve you with Substituted Service and/or when that attempt fails, you get hit with a default judgment, which is as good as gold to the bank!  (This of course, does not apply to deed of trust states!)
  7. Examine any notices you receive regarding the “alleged default” on your loan. Understand WHO the letter is coming from and WHO is attempting to accelerate the note, which requires payment in full in lieu of pursuit of a foreclosure action against your property.  The letter should fully explain WHO is claiming to be the “note holder” that has the right to enforce the terms of the mortgage or deed of trust.  If that portion is missing from the notice, you have every right to immediately demand an explanation vis a vis a Qualified Written Request under Section 6 of the Real Estate Settlement Procedures Act (RESPA).  You cannot prepare an adequate defense if you don’t know who’s coming after you.
  8. In all instances, assume that: (a.) any notices you get from a trustee or law firm are based on actions by the mortgage loan servicer, NOT the lender or trustee of a REMIC trust; (b.) any notices you get will likely contain false and misrepresentative statements; and (c.) any notices you get will rely on a corresponding assignment that has been recorded in the land records preceding a Substitution of Trustee or Notice of Default or Notice of Intent to Foreclose.
  9. At all times during the process, keep your eye on the land records!  Check them weekly for any sign of new recordings, corrections to the assignments or newer recordings, attempts to hide the assignments by using alternative means (like putting all of the recorded documents in the name of your spouse, etc.). If need be, ask your county clerk for help in determining if there’s “anything else” in the land records you’ve missed that could defeat your defense, including Limited Powers of Attorney recorded by the mortgage loan servicers, especially when they’re the “assignor” and the “assignee” (called a self-assignment) of any alleged authority.
  10. Understand that YOU are NOT the perpetrator of any alleged foreclosure scheme coming against you!  You have every right as a property owner to defend the home to the best of your ability, even if you lack legal acumen.  As a participant, you may also become the victim of identity theft and numerous felonies committed by the bank, the trustee or the mortgage loan servicer dealing with your mortgage loan.  Assume everything they tell you is a lie … and you won’t be surprised later because you’ve prepared yourself to retaliate against their false assumptions.

Mortgage loan servicers are out to make money to reimburse what they had to pay investors or whatever lender happens to allege it’s the “note holder”.

At a point in time in the near future, the moratoriums will be lifted and you should be well prepared to understand whether the servicer coming against you has any right to offer you a loan modification or forbearance … or for that matter … to come against you at all.  I’ll discuss that in my next segment.  Visit the Clouded Titles website for more information!

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INTENDED USE OF PSYOPS ON AMERICA

(OP-ED) –The author of this post continues to do research into the “corona-crisis” and its resulting effects on the American population, including but not limited to, foreclosures and the next round of the nation’s massive land grab by the mortgage loan servicing industry.  Rather than concluding that any of this is legal advice, do your own research and validate “the truth” for yourselves. The next round of foreclosures is coming soon, so ’tis time to stop “drinking the Kool-Aid” and start thinking for yourselves. This article focuses on the intended use of “fear factor” psychological operations-type “conditioning” on the American public by high-ranking officials in our own government. 

FEAR FACTOR CONDITIONING THROUGH INTENDED PSYOPS (pronounced SIGH-opps)

You should understand that President Trump may have been getting bad “public health” recommendations from the hierarchy in the Centers for Disease Control (the “CDC”), Dr. Anthony Fauci and the National Institutes of Health (the “NIH”).  What has happened since the beginning of 2020 is what I call “the perfect storm” to intentionally increase public dependence on the government, especially through media regurgitation of contradictory information.  Forget about the “Q”, conspiracy theories or anything else that has led you to change what you consider “the new normal” (new norm). My research is indicating that the data involving the number of cases and deaths involving coronavirus, specifically COVID-19, are being manipulated to achieve a “desired result”.  Whatever the case, “psyops” is something you normally use on an “enemy” you are attempting to win a waging war with to mess with the enemy’s head.

The manipulation of data can occur for many reasons, the likes of which cannot be scientifically verified because the powers that be don’t want it to be verified:

  1. Altering data to show increased caseloads to make a public health emergency “necessary”.
  2. Altering data to show a “flattening of the curve” in order to facilitate a false sense of security.
  3. Altering data to show deaths occurring from COVID-19 when scientific research data may support a different conclusion.
  4. Altering data to suggest that a situation is getting worse in order to support a proposed “miracle cure” vaccine that should be taken at the risk of the public.
  5. Altering data to support a suggestion that we should “distance” ourselves from each other as a form of social conditioning.
  6. Altering data to support continued “fear factor” behaviors in American society.
  7. Altering data to support further economic damage to America to further political objectives.
  8. Altering data to support reasoning for world-based “agendas”.

LEAVING PEOPLE “IN THE DARK” IS ALSO A FORM OF PSYOPS

It has been said that when people don’t know the real truth about a situation, they cannot make an informed decision about that situation.  Does that sound about right to you?

What would happen if you were constantly fed disinformation or misinformation (including but not limited to contradictory information) for the intended purposes of furthering an intended consequence?  In other words, can the government hierarchy, especially those in the medical community, scare you into submission and make you do things you wouldn’t normally do under normal circumstances to further its own objectives?  Ponder that one when you vote this November, if America’s elections can be conducted constitutionally and not manipulated by those whose intentions is to further “condition” you into putting all of your faith and trust in a government that has continuously “failed” you at every turn.

If you are given false or contradictory information, you tend to not only make uninformed decisions, you tend to make decisions that support an intended government consequence/solution.

For example, let’s talk about wearing masks.  

The Centers for Disease Control started out by stating that you should only wear a mask if you’re sick or you feel you may have flu symptoms.  In fact, the scenario has been manipulated so much so, that the hierarchy in the medical community has made wearing masks fashionable.

In fact, the merchants of the earth, along with everyone who has access to a sewing machine, is profiting in some way making impractical cloth masks because the number of “real masks”, which should only be afforded to medical emergency personnel, is lacking and will continue to be lacking because of the “public panic” that has been created, especially among those 65 and older who are going to spend the rest of their natural lives “afraid” because they’ve been conditioned since World War II to always trust the government in all things.  However, they’ll bitch like crazy when Congress threatens to “f**k with their social security payments. The elderly, especially those living on fixed incomes, are the first to be swayed by psyops conditioning.

So, if the CDC says that wearing a mask does what the above picture shows, which came from the CDC’s own website (just so you don’t think I’m making this stuff up), then you should think about the intended consequence of altering what was “normal” before the corona-crisis hit and WHY the sudden shift in thinking.  Wearing masks over a long period of time causes hypoxia. THAT is also a known fact, yet people are wearing masks while they’re driving and getting in accidents because they’re passing out at the wheel due to lack of oxygen in a closed space.  The stupidity of some will inevitably harm others and there’s no accounting for everyone’s smarts in today’s gene pool.

Now we focus on the “contradictory information” about mask wearing, especially the information coming out of the well-funded (including Bill Gates) World Health Organization, whose knowledge of the spread of the coronavirus was known well ahead of its landing on American shores. To find out what the World Health Organization’s “take” is on wearing masks, CLICK HERE!

For those of you who don’t want to watch the short video, here is what WHO is recommending regarding masks:

  1. Before putting on a mask, clean hands with alcohol-based hand rub or soap and water.
  2. Cover mouth and nose with mask and make sure there are no gaps between your face and the mask.
  3. Avoid touching the mask while using it; if you do, clean your hands with alcohol-based hand rub or soap and water.
  4. Replace the mask with a new one as soon as it is damp and do not re-use single-use masks.
  5. To remove the mask: remove it from behind (do not touch the front of mask); discard immediately in a closed bin; clean hands with alcohol-based hand rub or soap and water.
  6. If you are healthy, you only need to wear a mask if you are taking care of a person with COVID-19.
  7. Wear a mask if you are coughing or sneezing.
  8. Masks are effective only when used in combination with frequent hand-cleaning with alcohol-based hand rub or soap and water.
  9. If you wear a mask, then you must know how to use it and dispose of it properly.

Understand what you just read … especially Item #6, which I highlighted (in pertinent part) for you.  Do you notice that WHO’s guidelines say nothing about wearing masks in public places or wearing masks if you’re healthy?  Why is WHO putting out information contradictory to what the CDC wants for all good-little “follower” Americans who want to be fashion-conscious?  Frankly, in my world, where I put truth above all things, my “Bullshit Meter” meter is peaking at 105%!  The reason that people continue to wear masks is because of psyops conditioning vis a vis the media, which is spoonfed by the government’s medical community that are supposed to be in positions of trust; however, with the contradictions here (in getting the story uniform), I begin to wonder who’s telling the truth and who isn’t, versus wearing masks in public by people who are genuinely insecure.  These same insecure people are also quick to point a finger and scold people who aren’t wearing masks because they’re insecure, even if the people they’re scolding are perfectly healthy.  For the most part, those who are sick and who risk exacerbating their already-existent health issues, need to stay home and let someone else do their errands.  They do NOT need to be roaming around in public wearing masks if they’re that afraid they’re going to catch something.  If COVID-19 doesn’t get ’em, the regular flu just might.

Who are we to believe?  

We have state governors that continue to make decisions for their citizens based on “suggested” recommendations from the medical hierarchy, with no scientific basis in fact.  Even Fauci himself claims that a vaccine to stop the spread of coronaviruses may be years away.  So … if all of a sudden … a vaccine appears and the CDC says “this is the one to take”, how many Americans are going to fall for that assertion?  It is a certainty … YOU HAVE NO IDEA WHAT IS IN THAT VACCINE!  Yet … based on the claims made by Fauci and the CDC, you’re going to let them inject some supposedly unapproved trial drug into your system?  And at what risk?  Fauci already admitted to the Senate that there may be negative side effects (including death).

Can someone please allow common sense back into their thinking?

Now ask yourself … do you normally go out into public places when you’re sick (fever, cough, chills, dizziness, body aches, etc.) … or do you stay home and nurse yourself back to health?  Yeah, I know. There are people who are sick and go out in public anyway.  Unfortunately, in every society of right-thinking people, you’re always going to have those who just don’t give a shit about their fellow man and are of the belief system that they have the right to go anywhere they want and do anything they want, no matter the consequence (i.e., Spring Breakers). Did you ever stop to think that the spread of coronavirus through Spring Breakers was put to good use as an excuse for closing all the beaches, where scientific evidence has proven that sun exposure increases Vitamin D production in the body and the exposure to sand and salt water increases exposure to microbes designed to help boost the body’s immune system?  Of course, THAT scientific evidence wasn’t considered when all of the beaches were closed, right?  There has to be a way to “influence” people to make them think that going to the beach could be hazardous to their health, right?  What a better way than to make certain “shows” of “poster children” like Ireland Tate (and the kid whose father rejected him when he went home to New York and told him to go away) to influence closing beaches with no scientific basis in fact.  If people are going to get sick, they’re going to get sick, no matter what they do or where they go.  Second wave or no second wave, America has been crippled financially … and this is one of the effects of biological warfare as an intended consequence on America.  False flag attacks have killed Americans before and it is expected that this could be lumped into that same category as 9-11.  The problem is … since we know the NIH funded the Wuhan lab’s research in part … the U.S. government is partially responsible for this biological attack on its citizens … and I hear no one screaming at their Congressperson about holding hearings and getting to the truth of the matter.

EVERYONE WANTS TO BLAME SOMEONE FOR THIS “PANDEMIC”

Now understand the “appearance” of what cause and effect behaviors occurred within the American population based on “suggested” recommendations from the aforementioned parties. For starters, Americans like to play “the blame game”.  Go to Facebook and read the posts.  The “blame” is there.  It’s all Trump’s fault.  It’s all Pelosi’s fault.  It’s all some bureaucrat’s fault.  It’s all the bank’s fault.  It’s all the government’s fault. It’s all the Democrats’ fault.  It’s all the Republicans’ fault.  But … it’s never YOUR fault, right?  It’s just your misconception of something based on someone else’s political agenda that’s been drummed into your head.  However, much of what I see, even among family members … is we’re blaming each other based on our own insecurity!  Weren’t we “secure” before this whole crisis started?  Then what changed?  **your mindset**

In fact, if you look at the statistical data we actually do have available that might be plausible (even if it was manipulated), was the “pandemic” a “false flag attack” on America just to influence a political election cycle?  America has a population of 322-million people.  Of those, .005 percent were reportedly “infected” with the coronavirus and the mortality rate was only .06 percent of those infected. The rest are assumed to have recovered from it based on their body’s immune system’s ability to fight it.  Otherwise, why is the government wanting everyone who recovered to donate plasma so they can create a vaccine from it?

The governments, both state and federal, will obviously take issue with me saying that the “pandemic” was an intentional means of psyops in order to influence the upcoming 2020 elections; however, I base my statement on claims Fauci made that the Trump Administration was going to experience a pandemic during his first term in office.  Could this mean that President Trump might not be re-elected because he relied on false data provided to him by his own advisers in setting forth a plan of action?  Could it be that President Trump was purposefully given false information and misled by his own advisers, who make up some sort of Deep State ideology to sway America into their “vaccination” agenda, so we can chip everyone?  No … I do not believe Trump is the Anti-Christ so you can “get off that wagon”.  Trump is a CEO.  He’s a businessman.  Politicians don’t like him because he’s NOT one of them (liars, cheats and thieves).  Every President since John Kennedy has been accused of groping someone or making unwanted advances.  This is nothing new in American politics and that won’t change now … so don’t expect it to.

For those of you who did not have a chance to watch the video with Dr. Judy Mikovits, you can watch it HERE!  Someone has to make sense of the science … yet no one seems to want to (or has the ability to) read between the lines … so the psyops must be working!

WE HAVE TO “SCARE” AMERICANS INTO OUR WAY OF THINKING! 

Over 30-million Americans have lost their paychecks completely.  Compound that with the uncertainty of potential medical catastrophe and you have a great blend of scenarios for creating a “nanny state” because most Americans believe everything their government tells them.  Again, I go back to the announcement that Bruce Springsteen made to a concert venue full of spectators, “Blind faith in your leaders will get you killed!”

Remember “Scarecrow” from the movie The Wizard of Oz”?   “If I only had a brain.”  

Apparently, the hierarchy in the medical community thinks most Americans will believe anything they suggest.  Here’s an optional thought … what are your chances of death if you jump off the observation deck of the Empire State Building?  Would your death be quick … or would it be slow and painful?  Remember, it isn’t the fall that kills you … it’s the sudden stop at the end!  Like lemmings running off a cliff into the sea and drowning.  They have to be scared into doing it, right?   If you want to steer Americans into believing a certain way, create a scenario that influences their way of thinking. Then come up with a solution (or a patsy).

I point to what happened during 9-11.  Remember all of the Americans that wanted to go over to Iraq and blow Saddam Hussein’s f**king head off?  How f**king Patriotic is that?  And we call them “heroes”.  Were they misled too?  Where were the weapons of mass destruction?  Did we find any?  Did we “plant” some so we can say we found them?  I’m not being disrespectful to those who served because I served during Nam.  I’m trying to get the logical part of your brain into right thinking again because we’re being conditioned to be “followers” because of the pandemic that might not have been what they said it was.

Remember, 100,000 Americans would not be dead if we were told the truth in a timely manner.  We wouldn’t be blaming everybody and his brother for not acting fast enough.  And now we’re letting those same hierarchies tell us what to do and create new “norms” for us … and blame each other for our own insecurities in the process.  Seriously?

If you haven’t figured it out yet … MIT scientist Lydia Bourouiba’s video imaging studies revealed that the two main components of a sneeze show a shower of larger droplets can extend up to two meters from the person sneezing and a cloud, made of a mixture of smaller droplets suspended in moist, warm gas, which  contain pathogen-bearing droplets, can be suspended in the air for not just seconds, but minutes … and can travel up to 27 feet.  So cut the 6-foot social distancing crap and wear a f**king mask if you’re coughing or sneezing … or stay the f**k home … and quit bitching at everyone else for your own insecurity. Remember who “conditioned” you to behave that way!

THE FINANCIAL DISRUPTION IN THE MORTGAGE MARKETS

You knew I’d get to this part at some point, right?  People want to know about foreclosures and what the federal and state governments are going to do to stem the tide of foreclosures as the result of people not making their mortgage payments because they’ve been furloughed or terminated because of conditions beyond “their” control.

I would ask that you take a few minutes and observe my second YouTube posting Foreclosure Defense in the midst of the corona-crisis, Part 2, for an explanation of what to expect from the mortgage loan servicers when the moratoriums are lifted and what you should be considering now, while you still have the opportunity to make rational decisions based on facts and not suppositions.

At some point in the near future, I’m going to be doing an online webinar on foreclosure defense, since none of you want to hang out with me in a hotel … I’m thinking here because you’ve assumed that you’re going to catch the COVID if you travel, despite what the airlines and the travel industry are telling you as to how safe it is to travel now.  Thus, rather than take up your whole time throughout an entire weekend, I’m going to offer a 4-hour online webinar that you can subscribe to and watch at any time you have an opportunity … priced at a discount, rather than making you pay the usual fees, plus travel expenses, for attending a workshop in a live setting and being apprehensive the entire time you’re there (in other words, I don’t want to have to educate a bunch of mask-wearing followers … you have to be able to “think outside the box” to survive what’s coming).

In the webinar, I’m planning on covering the following, from a paralegal aspect of Foreclosure Defense, considering I’m NOT an attorney but I have every bit of capability to do intake and evaluate your options “out loud”, without giving you legal advice:

  1. Pre-foreclosure options … know what “they” are going to offer and plan for it.
  2. Taking notice of what’s coming (and what to expect in both judicial and non-judicial forums).
  3. False assumptions appearing real … don’t expect a positive outcome unless you work towards achieving it.
  4. Determining responses and response times (default judgments will kill your opportunities because you’re in a state of denial).
  5. How paralegals evaluate what to write in the way of responses based on judicial foreclosures.
  6. How paralegals determine what potential causes of action are necessary in non-judicial foreclosures “to head ’em off at the pass”.
  7. Writing effective responses (from a paralegal’s perspective on what and how to write responses … we’ll be spending a lot of time on this section).
  8. The forums have shifted … judges entertaining motions in a live setting versus Zoom®.
  9. Options for a “good offense” versus always playing the victim.
  10. Evaluating chain of title for defects related to foreclosures.
  11. Case reviews of what has worked and what probably won’t work.
  12. Preparing for oral arguments … because the opportunity may come.
  13. Making use of witnesses and expert witnesses (in depositions and at trial).
  14. Making use of discovery in both judicial and non-judicial settings.
  15. Plan to fail … and you will fail: Discussions centering on PLAN B.
  16. Additional research tips to help formulate your “plan of attack”.

In this webinar, you get to ask questions online.  And there’s no such thing as a “stupid question” … only the response matters.  What we won’t be doing is discussing YOUR specific case because the variables may be different from others’ cases and we want to focus our attention generally on what matters most.

As an extra added bonus, I may have a guest attorney, an expert witness or other legal professional appear with me on the webinar, so you’ll be getting some pure, legal acumen in addition to how paralegals deal with foreclosure defense cases.  Remember, the best defense is a good offense.

We will also have hand-outs for you as part of the online class, which we will send in .pdf format to your email address you used to subscribe to the class with.

If you don’t know your rights … you don’t have any.

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Filed under OP-ED, Securitization Issues