Do It Yourself Quiet Title, Do-it-yourself Clear Title, Do-it-Yourself Try Title, Broken Chain of Title Prosecution Package

May 15, 2012

After a successful prosecution of broken chain of title, clear title, try title, or quiet title the homeowner would still owe the amount of the mortgage as an unsecured debt. Lawyers have stated that you could potentially have the debt discharged in a Chapter 7 bankruptcy, but it would depend on a few things lining up just right, including the value of your home being less than the homestead exemption.


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Forced Place Insurance as a forced foreclosure strategy

May 14, 2012

The banks want it because it covers up the outright bold lies they told investors to get them to “buy” non-existent mortgage bonds most of which involved either no paper certificate at all or they were simply not worth the paper they were written on.


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New ‘Bark at the Moon’ Website to Complain About Mortgage Loan Modifications

May 13, 2012

Here finally are two websites online where homeowners, lawyers and other advocates can go to lodge complaints about a mortgage servicer’s handling of mortgage modifications, et al.


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Another Free House in Florida Because of Robo-Signing and Broken Chain of Title

May 11, 2012

The Florida Supreme Court is set to hear oral arguments Thursday in a lawsuit that could undo hundreds of thousands of foreclosures and open up banks to severe financial liabilities in the country


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Broken Chain of Title Free House Awarded in California

May 9, 2012

A Riverside, California homeowner, Denise Saluto, who was in foreclosure filed for quiet title against Deutsche Bank National Trust, as trustee for Long Beach Mortgage, and its successors and/or assigns, and Washington Mutual Bank, successor in interest to Long Beach Mortgage Company… and won by default. Default means that neither Deutsche Bank nor JPMorgan Chase responded to the lawsuit.


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Deceptive and Misleading Mortgage Foreclosure Statistics Again

May 5, 2012

It has become prevalent across the country to trumpet in the headlines that the distressed mortgage loan situation related to future foreclosures are optimistic. Perhaps misleading is a better word. This is a recurring misleading headline that seems to surface every six months or so.


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The Non-Functionality of Prosecuting Mortgage Loan Modification Malfeasance

May 3, 2012

It has been demonstrated countless times in the last few years that a homeowner is better off getting a loan modification on their own. The REST Report has proven to fascilitate that every single time.


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The Statistical “Irresponsible Borrower” and You

April 19, 2012

The Obama administration’s mortgage scandal decisions to-date were made in the face of such unprecedented complexity and political impenetrability that some amount of reasonably momentous error was all but preordained. This has nothing to do with politics. Both major parties are equally at fault for ignoring the electorate for a beneficial resolution. The reader should [...]


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“Irresponsible Borrower” and “Robo-signer” – Who are they?

April 12, 2012

The mortgage servicers developed tactics of dubious legality — not just robo-signing, which most Americans have heard of by now, but an array of business practices, some dating to the 1990s, that were designed to skirt the law and fatten profits. The federal and state governments largely tolerated these practices until they pushed this borrower into a tent and all of us into the Great Recession.


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Fox News Says You’re a Deadbeat. How Do You Feel Now?

March 31, 2012

I’ve worked at loan modifications and short sales for three years. I’ve never met the “irresponsible borrower” that the news media points to – ever. I’ve also never met Robosigner. I’ve decided neither of these two people exist. But since Fox News Charles Gasparino says he has, I thought I’d ask you, the reader. Is this you? Anyone you know?


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