WELCOME TO LIVING LIES DEFEND THE FORECLOSURE KEEP YOUR HOME!!! Over 17,000,000 Visitors Most of the claims that use "securitization" as a foundation are FALSE!! That means they have no right to administer, collect or enforce any debt, note, mortgage or deed of trust.And THAT means you can successfully challenge foreclosures AND pursue damages against those who make false claims.…[...]

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Defend the Foreclosure How to stop a Foreclosure sale For many homeowners, obtaining a Temporary Restraining Order (TRO) feels like crossing the finish line. The foreclosure sale has been stopped. The immediate crisis has passed. Everyone can finally breathe. Unfortunately, that is usually only the beginning. A TRO is designed to preserve the status quo for a very short period of time. It…[...]

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Possession of the note is not proof of ownership By Lance Denha esq. and Donna Steenkamp For more than twenty years, we have been saying possession of the note is not proof of ownership. This is something that many courts are only beginning to recognize. The foreclosure industry has successfully convinced courts to ask the wrong question. Instead of asking: "Who actually owns the debt?" many foreclosure cases begin…[...]

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TRO in Foreclosure One of the most common statements heard from homeowners facing foreclosure is: "I wish I had acted sooner." Unfortunately, many homeowners do not realize how quickly foreclosure timelines can move until a sale date has already been scheduled. The notices arrive. The servicer refuses to answer meaningful questions. The foreclosure attorneys continue moving forward. And suddenly the homeowner is staring…[...]

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Quiet Title One of the most misunderstood legal remedies in real estate litigation is the quiet title action. This legal remedy is fundamentally about forcing parties claiming rights against property to prove those claims rather than relying on assumptions, labels, or recorded paperwork alone. A quiet title action is a lawsuit. Its purpose is simple: To determine who actually has a valid…[...]

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challenge standing foreclosure Learn how to challenge legal standing in your foreclosure defense. By now, most homeowners who have spent any time researching foreclosure defense have heard the word "standing." But knowing that standing in foreclosure matters, and knowing how to challenge standing successfully, are two different things. Many homeowners correctly identify standing as an issue but then make a critical mistake. They…[...]

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the bank has the note; so what? One of the most common statements heard in foreclosure courtrooms across America is: "We have possession of the note." For many judges, lawyers, and homeowners, that statement ends the discussion. The assumption is simple: If the foreclosing party has possession of the original note, it automatically has the right to foreclose. But that assumption is often wrong. Possession of a…[...]

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foreclosure defense guide Read this 12 step Foreclosure Defense guide carefully because most homeowners lose before they ever walk into court. Not because the bank proved its case. Not because the servicer proved ownership of the debt. Not because a judge carefully reviewed every transaction involving the loan. They lose because they assume the foreclosure paperwork must be true. That assumption will cost…[...]

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what is legal standing? If there is one issue that can change the direction of a foreclosure case, it is standing. It is a defense we help homeowners use the most and it works. Here at LivingLies we talk about it a lot but realize not everyone understands what are Legal Standing foreclosure defenses. Most homeowners never hear the word “standing” until they are…[...]

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fighting non-judicial foreclosure Non-judicial foreclosure fight is one of the most misunderstood processes in the country. Many homeowners believe that because there is no lawsuit at the beginning, there is no non-judicial foreclosure fight. That belief costs people their homes. Non-judicial foreclosure does not mean the foreclosure is automatically valid. It simply means the process moves forward without immediate court supervision unless the…[...]

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Business records foreclosure defense Most foreclosure cases appear overwhelming because they come wrapped in business records. Payment histories. Affidavits. Default letters. Computer printouts. Servicing notes. And all of it is usually presented to the homeowner—and often to the court—as if it automatically proves the case. But here is the problem: Most foreclosure cases are built on what are called “business records,” and many of…[...]

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