Showing posts with label foreclosure. Show all posts
Showing posts with label foreclosure. Show all posts

Thursday, September 30, 2010

File complaints against corrupt attorneys, magistrates & judges

Share|In our efforts to save our properties we have discovered not only fraud on the part of the banks but also in the judicial system. And it is rampant. We must continue to uncover the bank fraud, but I think there is another way to fight all of this corruption that may give quicker results. Everyone in every state needs to start filing complaints against the bank-aligned judges, magistrates, and attorneys/law firms.

In my case due process was completely violated by the magistrate who had only been on the bench for about two months. Sarah F. Law(LESS) in Archuleta County , Colorado is so eager to prove her stripes to the banksters that she violated four Rules of Civil Procedure and five United States Codes relating to Judicial Review. After being called on the carpet for her clear prejudice toward the bank she refused to dismiss the case, and when I refused to excuse her violations she had a police officer come into the court room and stand right next to me in an obvious attempt to intimidate me into cooperating. I did not relent, so ultimately Law(LESS) had the police officer physically remove me from the court room. After my removal, Law(LESS) and the banks attorney (Keith A. Gantenbein #39213 with Castle Meinhold & Stawiarski, LLC) commenced the Rule 120 hearing and proceeded in my absence. I was prevented from defending my property, and have witnesses that informed me the attorney gave unsworn testimony on behalf of the bank's alleged witness. They are so arrogant they did not even bother calling the absentee witness on the phone! The attorney stood in the court room and made unsworn statements as to what the witness would have said if they were on the phone.

Attorneys are not allowed to testify in court, and most certainly not for a witness who is not even in the room. The judge/magistrate should know this, but since Law(LESS) doesn't even know the Rules of Civil Procedure I guess I shouldn't be too surprised. However, the fact that Sarah F. Law(LESS) allowed this hearsay testimony from an attorney and then took it as fact is proof that this person is clearly prejudiced against justice and fairness and should be removed from the bench immediately.

The way to get these lying attorneys and corrupt judges/magistrates out of the systems is to file complaints against any offending parties with their regulatory agencies in your state. This will hit them where it hurts, in their wallets, because a few of the grievances will result in investigations, possible sanctions, and best of all it will increase the cost of their liability insurance to the point that it will be difficult for them to pay for it in order to stay in business. Now that's satisfaction!

So, I have put together a document based on what I have learned about filing complaints and am posting here with the hope that others will start doing this in states all around the country. The agencies listed in the document are for Colorado, but you can easily use the information to determine what agency to contact in your state. Click here to download the FileComplaints.pdf file.

Please take action! We need to stand together and bombard the regulatory agencies with complaints. That is the only way I see at this point to stop the judicial corruption that has permeated every court room in this country.


Wednesday, September 8, 2010

Chicago mayor race wide open as Daley steps aside


sxc.hu #1160677



Chicago mayor race wide open as Daley steps aside:

"CHICAGO -- Months of political jockeying began in earnest Wednesday as speculation grew about who would try to succeed Mayor Richard M. Daley as leader of the nation's third-largest city, including one-time aide and current White House chief of staff Rahm Emanuel.

White House Press Secretary Robert Gibbs said Wednesday he has 'no doubt' that Emanuel will weigh his future options now that the race for Chicago mayor is wide open. Emanuel has made no secret of wanting to run for Chicago mayor one day.

'Obviously something like that doesn't come around a lot,' Gibbs told reporters traveling with the president to Ohio. 'I presume that Rahm will take some time and make a decision about that.'

addtionally:
"I don't think we have to have a strong-arm type of mayor," said Alderman Sandi Jackson, who has been named as a possible contender, along with her husband, Jackson Jr. "We're in dire economic times so it would behoove them to bring everybody to the table and to find ways to work with everyone."

Read entire article by clicking on title link at top of page.  Additionally try reading for even more depth the NPR report of this topic. 


NOTE:  Does this mean that foreclosures are going to be a major influence in the mayoral race? 

Monday, August 30, 2010

August videos about mortgages, interest rates, homeowners and foreclosures

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I gathered these videos and do not necessarily endorse the video presented. It is presented for your information.

AUGUST videos on housing market if you dont' like one, there are more to chose from!



INterest rates lowest in decades. Is this good?


Foreclosures continue and increase month to month.







Prediction of 2 weeks to country crisis. Feds admit lost control of housing crisis and China foreclosed on us.








US Loan Auditors: of course we have auditors we recommend inthe Southwest, but this video was available.






Stay current is best advice. this guy wants to help you.
















homes being foreclosed on faster and up by 9% various. Some reports seem to conflict. People working longer than the age of 65 has increased. GEE, wonder why, in this economy?





Monday, August 16, 2010

Examiner for Forensic Audit of Mortgage or Foreclosure papers

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Do you need Forensic Document Examination for Mortgage or Foreclosure? Do you need a forensic audit done? Perhaps you need a second audit or examination performed to add weight to your court case? I have found someone that does a first and for less than full price will perform second examination review of other auditor exams. He will witness regarding the examination too. Don't miss out he has expedited services available.nlss.audit@gmail.com
He also will exam the recorded documents for notary and signature problems. I am so excited that I can recommend someone with some expertise. I also found an attorney that is willing to take on cases and FIGHT the fraud in you r mortgage or foreclosure. I do receive a small kickback for referrals, but you know me, I only promote the people I will deal with myself. All the people I refer to these guys will receive a FREE Consultation so there is no fear of wasting your dollars. I am having my second audit done here. If you are in Arizona you can meet face to face.

nlss.audit@gmail.com or
alrady40@yahoo.com for additional referral information

Friday, August 13, 2010

LABOR DAY SEMINAR: "SHOW ME THE LOAN"

Fighting Foreclosure Fraud

John Stuart

and

William McCaffrey

Expert Witness: After the loan - The Banking Trail

More info

(tell them Alrady sent you)


Wednesday, August 11, 2010

Vulture investors are back and making a bundle - Yahoo! Real Estate

ED OP:
It is the best market for buying...... but where do you get the money if you were hit hard by the economic recession, depression or crisis?

We think that doing this in right way is great but what will it do to the economy... will this increase the housing bubble???? What do you think? Would you do it? Have your views changed from fix and flip to hold then fold?


Vulture investors are back and making a bundle - Yahoo! Real Estate: "NEW YORK (CNNMoney.com) -- These are the glory days of the residential real estate investor. Low prices, rock-bottom interest rates and stable rental markets have created huge buying opportunities.

'It's awesome right now. I don't think we'll ever see another time like this,' said Tanya Marchiol of Team Investments, which has operations in about 10 states but focuses mostly on the Phoenix market.


These investors are known to many as vultures because they swoop in and buy 'distressed properties' -- foreclosures and short sales -- cheap. Places like Las Vegas, Phoenix and Miami are popular because home prices there have dropped as much as 70%.

But how they're investing has changed. In the boom years, they would buy a property and flip it for a quick cash out. Today, they are holding and renting for hefty, steady incomes.">>>>> KEEP READING ITS GOOD

Sunday, July 25, 2010

Confused by your IRS obligation after foreclosure or short sale?

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Taxes and Foreclosures: Untangling the Mortgage Mess"> : "The Mortgage Forgiveness Debt Relief Act of 2007 allows taxpayers to exclude income from the discharge of debt on their principal residence. There is no dollar limit if the principal balance of the loan was less than $2 million ($1 million if married filing separately for the tax year) at the time the loan was forgiven. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for this relief.

This provision applies to debt forgiven from 2007, 2008 or 2009 (extended through 2012 by the recently passed Emergency Economic Stabilization Act of 2008). However, it is important to note that this change only applies to homes used as a principal residence. Debt forgiven on second homes, rental property or business property does not qualify for the new tax-relief provision.

Even though the forgiven debt is excluded from income, the amount of debt forgiven still must be reported (on Form 982). Clients should receive Form 1099-C Cancellation of Debt from their lender, showing the amount of debt forgiven or cancelled.

Issues and Considerations"

Of course, as with any legislation, >>>>KEEP READING FOR ISSUES


For FURTHER reading GO TO THE SOURCE: IRS
(click on links)


The Mortgage Forgiveness Debt Relief Act and Debt Cancellation

If you owe a debt to someone else and they cancel or forgive that debt, the canceled amount may be taxable.

The Mortgage Debt Relief Act of 2007 generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualifies for the relief.

This provision applies to debt forgiven in calendar years 2007 through 2012. Up to $2 million of forgiven debt is eligible for this exclusion ($1 million if married filing separately). The exclusion does not apply if the discharge is due to services performed for the lender or any other reason not directly related to a decline in the home’s value or the taxpayer’s financial condition.

More information, including detailed examples can be found in Publication 4681, Canceled Debts, Foreclosures, Repossessions, and Abandonments. Also see IRS news release IR-2008-17.

The following are the most commonly asked questions and answers about The Mortgage Forgiveness Debt Relief Act and debt cancellation:

What is Cancellation of Debt?
If you borrow money from a commercial lender and the lender later cance>>>>>KEEP READING ON IRS.GOV

Saturday, July 17, 2010

Live Streaming from PHoenix: Foreclosure Fight


If You want to know about the fraud in Your or any mortgage please tune in. If You like it and can afford to donate to support the cause please do.

Please send this to all of Your lists and groups.

Here is the URL to go to Sunday at 10 am Arizona time to watch LIVE the
weekly





http://www.blogtv.com/People/4409
This is a dry run and is completely FREE. If you sign up on blogtv.com you can email questions and comments.

Starting next week the viewing will be by donation ONLY to help defray the cost of the network.A suggested donation of $20.




Saturday, June 12, 2010

How to find MORTGAGE and LOAN Fraud

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Do you wonder if you have loan fraud?
Get out those closing documents!

1) Loan Rescission Notice - Many loans in 2006 did not receive copies of this important notice. If there is more than one person on the loan, each party is to have received a copy.

2) TILA law violations - TILA is the Truth In Lending Act check the link for laws and compare to your documents. You may want to pay for a forensic audit. If you need an audit email me alrady40@yahoo.com and I can refer you to reliable auditor. Did you know that if your loan closed less than 3 years ago you can rescind your loan fairly easily?????? A sister law to this is FDCA, Fair Debt Collections Act.

3) Amounts owing are in error or do not add up. A difference of just 65 bucks makes a HUGE difference and is a red flag to challenge the loan.

4) HOEPA I just recently learned about is that loans under 150,000 or interest rates of 8% or more, or points and fees in excess of $583 are red flags. This can be in violation of HOEPA,Home Ownership and Equity Protection Act. Many self employed people were given higher interest rates. We had a high rate but it did not qualify. FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.

DO You Need Help Reading Your Documents?

If you want a forensic audit you can have one done free through NACA.com. I have not used them and cannot vouch for how well they perform. I do have a forensic auditor I recommend to those that email me. The cost is reasonable and probably less than you pay for one months mortgage.

Finding fraud can help to fight foreclosure, save your home and give you the ammunition to modify that loan to benefit you and not the bank.

Thursday, June 10, 2010

How to Document Fraudulent recorded paperwork

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Just a simple video today that I nabbed from Matt Weidner's blog. You can learn a lot from the blogs I am following (see left column). But this piece of information was priceless. AFter the video are a couple of articles on making extra money, check them out, it helps my extra income efforts!





Wasnt' that awesome... What do you think? Leave a comment below! Check out these money producing, saving articles too:

  • How to Apply for free Federal Student Aid - 7
  • How to Consolidate Debt
  • How to Increase Social Security by about 1,000 per month
  • How to Get the Most from Doctor Visit
  • How to Make Money Today With Little Effort


  • Read more: Alrady | eHow.com http://www.ehow.com/members/alrady-articles.html?sortby=Earning&sortorder=0#ixzz0qaLmJqnZ










  • Tuesday, May 25, 2010

    COURT and YOU

    Please retweet this blogpost if you find it helpful in learning about government mortgage homeownership and bank loan modifications

    Hopefully you have not received a summons yet and have just been notified of the sale of your property. AT this point you have to decide whether to take their offer of time and money to go away or to fight them. If you sign on to take their offer make damn sure it does not sign away your rights to litigate!

    Do you have forcible eviction summons? After 2 sleepless nights you decide that you can't go down without a fight. You have done your best to try to work with banks and they would not work with you? What are your choices? Pack it up or go to the hearing.

    If you go and have never been to court you are in for a whole alternative universe type experience. My advice would be to go the day before and find parking, locate your courtroom, and sit in it to see what happens. Find someone if you can that has been through this experience before. If this is forcible detainer you are probably unprepared and are going to basically ask for a hearing which will occur in 5-7 days.

    Dress better than casual but not super formal. Stay calm and yes you can bring support friends and people to witness the procedures. If your are in Phoenix park in the garage on 4th Street. It is much cheaper than a $57.00 ticket. There are some $3 lots that you can park in for 0-12 hours - the pre-pay machine takes quarters. Men don't wear a belt it slows you down going through the security checks. Women, do you really need that purse? And of course you know this, better early than late.

    If the document is presented - "trustee's deed of sale" - DEMAND that it be an original certified copy. You should have had a chance to look over notary to see if all is in order. In Arizona the presumption is with the document and banks, but you can address that. You can also address the standing. You can also address the jurisdiction. In Arizona it will probably go nowhere at this point, but you can try. It will be on record for any appeals if allowed and for your civil lawsuit.

    Your next step will possibly be a TRO and a lawsuit. If you have the energy and determination then GO for it. Spend the $250.00 to make them prove they have the rights to do this and that they followed correct procedures. Don't let the presumption of the banks did everything correctly determine your fate.

    Legal terms maybe confusing but you can start looking up the legal definitions. There are Law Dictionaries online. Use the law library near the courthouses.
    During court, and I know this is not much help, but just staying calm will help your presence of mind. Do not allow a plain ordinary copy of the trustee deed of sale to be entered... object and ask that either the original or a certified copy be presented right there or case should be dismissed. AFter all your honor after YEARS of practice and law school an attorney should know better. You want us to come prepared, even if we don't know what we should bring.

    As for you Mr. or Ms. Homeowner - start looking up terms in Blacks Law Dictionary. When you say things they dont' always mean what YOU think.


    Tuesday, April 20, 2010

    Our fight for main home! WE are going to trial

    Exploring all options. it looks as if the trial we requested is our best option. It is intimidating knowing that you cannot afford a lawyer that has the experience and ability to give credence to your case. It is VERY INTIMIDATING to realize that you are going up against the largest and most powerful lawfirm in the state, dealing with mortgages, foreclosures and evictions.

    Where we could get real help with the law is too expensive or not available. The lawyers that KNOW what they are doing are few and far between and cost a fortune IF they have the time available to take you. We have no doubt that if we could afford 5-10K to save our homes we could. We have found lawyers in last month than what we could find available earlier last year. Last year it seemed all the lawyers encouraged bankruptcy. Maybe we learned to search better.

    If you are facing any problems with debt fraud, home mortgage foreclosure or unlawful collection practices, you may want to check out the legal referral pages at NACA.com.

    Best wishes to you, and post here if you want to share your experience.

    Saturday, April 17, 2010

    Banks and efficiency - loan foreclosure specialists




    Well this may not be news to some of you, but getting through to a live person and receiving information about your account is harder than crashing a party at the White House.

    First you verify your account with the recorded greeter, press your number and speak to a live representative. Sounds easy, doesn't it?

    NEXT you have the great joy of verifying all over again, your account number, full social security number, your name, mailing address, property address with zip code and any phone number. If they still doubt you then they ask if any of the numbers are cell phone.

    All this just to ask full payoff. If a lawyer has become involved then those fees are added on and they can't tell you over the phone. What the heck? They have taken you through security, verification, stripping and still can't tell you information on the phone? Our loan foreclosure SPECIALIST ordered a request for another fax to be sent. Now you may not realize it but we have had a couple wanting to buy this place for 2 weeks. In fact, there have been two parties interested in buying the home. The reason I wanted the payoff amount is to sell the place. So, I asked the representative if we could call the buyers and send a fax of payoff to them also. Patiently the representative waited, as a three way call was initiated with the potential buyer, to fax the information to them as well. There should be no room for errors now unless the phone and fax lines all over the country go down.

    We have now called 3 times in the space of a week and a half. Today, after 5 minutes of being preapproved to talk about our account; they said the fax had been sent and sorry they could not tell me over the phone the payoff. It's not allowed. Further it would be another two days so probably Wednesday since today is Saturday. For crying out loud, my buyers have already had to wait 1 week longer than they wanted for an answer.

    I'm asking the bank to remove lawyer charges, on the basis that the lawyer acted prematurely during the time the bank said it was working with me and would not start the process. But initial reaction is that would be a short sale. I find a buyer for the full amount of loan (miracle) and they want it considered a short sale???? To those that don't know, a short sale means even if you can recover financially you cannot buy a house for about 2 years. If you sell in full you will be able to buy again as soon as you recover financially and credit wise.
    \
    This house we did not want to sell, it is our rental house that we wanted to retire to. It had good renters and while it did not make us money it was a goal for the future.

    Does anything here sound crazy to you - or is it just me?

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