Tag Archives: Texas

FORECLOSURE DEFENSE 101 WORKSHOP NEWS! UPDATE!

(BREAKING NEWS, OP-ED) — The online webinar has been slated for Saturday, October 24, 2020 from 10:00 a.m. to 2:00 p.m.  Please email cloudedtitles@gmail.com for a Registration Form. 

The latest news articles (at least 20 of which this author has read) all indicate that the COVID-19-related foreclosure crisis will more than likely affect low-to-middle income homeowners who lost their jobs, including first-time homebuyers, single women and people of color who got federally-insured mortgage loans.

Despite all of the CARES Act help and moratorium extensions by the government, conventional mortgage loans were not part of the government’s intended program to stop the tide of foreclosures that are looming in the not to distant future.  Because the crisis affected the mortgage loan servicers the worst, they are least likely to start granting en masse forbearances on mortgage loans as there’s no way they can recoup their losses fast enough.

The next game plan would seemingly call for mortgage loan modifications.  This is where homeowners can restructure their loans using money they’ve been able to acquire over the short haul in an effort to meet qualification requirement payments that the servicers will demand in order to complete the loan mod. Should these modifications not happen in droves, it will spark another massive wave of foreclosures before the end of 2020.  In this instance, it appears that the banks and their servicers are looking to the government for some sort of mitigation plan (in other words, another bailout, mitigation plan is just a nicer way of saying it).

As to the equity position some homeowners may have, restructuring could include downsizing through liquidation.  Because loan delinquencies will show up on credit reports, it will become more difficult for evicted homeowners to find places to rent through the standard screening criteria.  They will be faced with having to pay larger security deposits and higher rent because of their presumed risk having to go through back channels in order to find shelter.  In many metro areas, mortgage loan delinquencies of 30 days or more were over 10%.  This figure is very comparable to what America was facing in 2008 as over 10-million homes were foreclosed on in the years that followed.  The housing crisis we are now facing could nearly match what we experienced between 2009 and 2015.

IN FLORIDA, WE PREPARE FOR HURRICANES

There are some exceptions to the housing crisis in areas of the U.S. that have stable rent and mortgage markets.  Most of Florida and much of Texas fall into those two categories.  These two states, which this author is using as an example, have no state income tax and lower sales taxes and less restrictions on business, which makes them more desirable to those living under current “Blue State” conditions.  In many markets in Florida, residential resale inventories are declining, which seems to indicate the opinion that the 1000-people-a-day migration to the Sunshine State is impacting the crazy real estate boom.

However, a lot of homeowners who currently reside in both states are hunkering down and choosing not to liquidate, mainly because they can afford to ride out the storm, much in the same way homeowners in Florida prepare for hurricanes.  If you’ve ever been to Florida during hurricane season or have seen pictures of the parking lot that Interstate 75 turns into when those who aren’t prepared or those in low-lying areas who are forced to evacuate take to the roadways to flee the storm’s path, you can get a fraction of a glimpse of how many homeowners aren’t displaced and are going to ride out the storm because they’re prepared.  It’s just something you do when you live in Florida.  The problem is, not all homeowners have the financial ability to prepare.  Even though there are a lot of affluent folk living the dream, there are those groups of individuals and families that make up the support base (lower-paying incomes associated with health care, retail, restaurant and maintenance-related employment) are the ones taking the hardest hit in managing rent payments, which are skyrocketing beyond their ability to pay.  This is why there is a need for affordable housing in Florida, which is why this author is now building steel SIPS homes (Structural Insulated Panel System), starting around 900 square feet.  The need here for affordable housing is so great, even the news media can’t ignore it:

An affordable home that can withstand a category 5 hurricane? This builder says he has the answer | News | yoursun.com

This is what you call PLAN B … 

Having alternative plans to move to safer, more productive areas is part of why you’ll see demographic shifts of migration around the country.  When the construction industry booms in one area, workers from around the country migrate there seeking to become part of the construction labor pool.  There are all sorts of retraining programs available, if you know where to look.  America has always been resilient no matter what.  Even in light of the COVID-19 snafu, Americans are bouncing back … but unfortunately, not ALL Americans are.  It’s that 10% that make up the exception to the rule that will spark the crisis.

However, not everyone has a Plan B yet.  This is why we’re doing the Foreclosure Defense 101 Workshop.  California Attorney Al West has agreed to join me for this 4-hour webinar.  This author is also talking to others who have been able to stave off foreclosure for over 10 years, through learning HOW TO fight the mortgage loan servicers and their attorneys in court.  This of course, would be an exception to the rule.

We have made this workshop affordable and much easier to attend, as long as you have access to a computer and an email address.  This author has already addressed the types of sample forms we’re going to make available, so for the sake of redundancy, we’ll stop there.  If you or someone you know is in trouble, best to forward this post to them and/or have them email us at cloudedtitles@gmail.com for a Registration Form.   Here is the syllabus of what we’ll be sharing in the workshop:

FORECLOSURE DEFENSE 101 SYLLABUS

UPDATE:  Next week, you will be able to register to attend through our shopping cart on the Clouded Titles website

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CDC LIED ABOUT COVID-19 DEATH COUNTS!

 

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

THE BASTARDS! 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Urban Flight v. White Flight and your Right to Privacy

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

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

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

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

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

The Two States that have the best Property Rights

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

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

The Bottom Line … THIS was a Test! 

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

This is a Warning of Things to Come! 

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

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

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

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

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

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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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