MANDELMAN MATTERS WRITER AND DOCUMENTARY MAKER WILL JOIN NEIL GARFIELD AND OTHERS IN HAWAII WORKSHOP OCTOBER 14, 2011

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CLICK HERE FOR ONE DAY PASS

JOIN LIVINGLIES MEMBERSHIP NOW AND GET THE AUDIO-FILE ON LAST NIGHT’S 90 MINUTE BROADCAST WITH MANDELMAN MATTERS AND LIVINGLIES WRITERS. BLOG MEMBERSHIP SUBSCRIPTION

We have twice monthly teleconferences, questions and answers from the experts, and sharing of new ideas, strategies and tactics. If you are in distress now, or you are worried about the title to  your house or you are just worried about your 401k, you need to be concerned about the housing crisis and the mortgage meltdown.

This HAWAII seminar will help you, and so will membership to the blog at only $49.95 per month (one year commitment) along with the newsletters and discounts on services and products, and a free transfer of membership to the American Homeowners Cooperative, slated for launch by September 8, 2011.

THE HAWAII SEMINAR:

REFUNDABLE RESERVATION NOW TO RESERVE SEATING

Martin Andelman (MANDELMAN MATTERS BLOG — Go see it) is a writer and documentary maker who gets it better than most attorneys I know. He explains in down home English what I write about in legalese and the language of academia. Mandelman is documenting the human, financial political and legal sides of the mortgage meltdown in Deadbeat Borrowers (he means the banks, of course) to be released in December this year.

With more than 30,000 readers in Hawaii for Mandelman Matters and around 15,000 readers in Hawaii for Livinglies, we expect seating to be in short supply. It is a Continuing Legal Education course for lawyers — with homeowners welcome! This is the start of a series of appearances around the country for the combined teams of several bloggers and teachers, but they are likely to be booked far ahead of time. If you want the information now and you intend to use it, you’re invited!

CLICK HERE FOR ONE DAY PASS

 

21 Responses

  1. […] Like this: Like Be the first to like this post. Filed under: bubble, CDO, CORRUPTION, currency, Eviction, foreclosure, GTC | Honor, Investor,Mortgage, securities fraud Tagged: | bankruptcy, borrower, countrywide, disclosure,foreclosure, foreclosure defense, foreclosure offense, foreclosures, fraud, LOAN MODIFICATION, modification, quiet title, rescission, RESPA, securitization, TILA audit, trustee,WEISBAND « MANDELMAN MATTERS WRITER AND DOCUMENTARY MAKER WILL JOIN NEIL GARFIELD AND OTHERS IN HAWAII WORKSHOP… […]

  2. […] MANDELMAN MATTERS WRITER AND DOCUMENTARY MAKER WILL JOIN NEIL GARFIELD AND OTHERS IN HAWAII WORKSHOP… MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE REFUNDABLE RESERVATION NOW TO RESERVE SEATING CLICK HERE FOR ONE DAY PASS JOIN LIVINGLIES MEMBERSHIP NOW AND GET THE AUDIO-FILE ON LAST NIGHT’S 90 MINUTE BROADCAST WITH MANDELMAN MATTERS AND LIVINGLIES WRITERS. BLOG MEMBERSHIP SUBSCRIPTION We have twice monthly teleconferences, questions and answers […] […]

  3. Bill,

    Not worried — there was never a valid mortgage to begin with. How do you split a Note — from an invalid mortgage??? And, Note cannot be valid — when mortgage is not. A Note without a valid mortgage is nothing more than credit card debt. Have to focus on the MORTGAGE —-splitting irrelevant — but court not properly briefed.

    Just need to get people — re-focused. What happens sometimes is that people stick to old ideas — and cannot let go. Need to let to — move on — CHANGE the mindset. But, many are slow to do this.

  4. Why should we want to “modify” unsecured false default debt???

    THEY HAVE NO RIGHTS TO OUR MONEY!!!

    “…What we need to focus on is that borrower’s subprime refinance was unsecured — a false and fraudulent mortgage — and nothing more than debt collection on a fraudulent transfer of collection rights to a false default debt. Everyone (in subprime refinance) was in (false) default before they even refinanced.
    The banks (as debt buyers) accomplished this by falsely placing borrower in current default (and never telling them) — and then the servicer purchases the collection rights from either Freddie or Fannie. Then the servicer “reinstates” the false default debt with a fraudulent refinance. And, if there is a subsequent refinance, that is just another transfer of collection rights. Servicer reports original F/F mortgage as “paid” — but it is “Paid-OUT” — by servicer purchase — and not “Paid-OFF” by the borrower as it should have been by the (fraudulent) subprime refinance. . Thus, borrower remains in default on F/F loan – despite a subprime refinance — and borrower can never refinance with an F/F again — They are doomed if they miss even one payment on the false collection rights — and will never recover because always held in default — on both the F/F loan and the collection rights. BUT BORROWERS should not be paying on fraud!!!! They have a right withhold payments on fraudulent debt.
    All fraudulent, all in violation of consumer protection laws — and, because the “creditor” of collection right never validates the “debt” — by disclosing the actual creditor to the false default debt — in violation of FDCPA and May 2009 TILA Amendment. Meaning borrowers should not be paying anything — because of fraud and violation of federal statutes.”

  5. ‘Wall St. Is Main St.’ Mentality at Heart of Failed Foreclosure Prevention Policies
    Thursday
    Aug 25, 2011
    2:36 pm
    By Roger Bybee

    “Corporations are people, my friend,” Mitt Romney recently declared.

    That was pretty clumsy coming from a mega-millionaire Republican candidate, as he was backing the 2010 U.S. Supreme Court decision Citizens United opposed by no less than 80 percent of the public because of the enormous political power it confers upon the rich.

    But how about the notion that “Wall Street is our Main Street,” which was voiced by Federal Reserve official Kathryn Wylde? Her assertion was especially startling because her explicit duty is “to represent the public” in determining how to handle the massive wrongdoing of major banks in ramming through home foreclosures.

    However, Wylde was merely being honest about the aims of federal policy. The idea that “Wall Street is Main Street” and its protection was the uppermost goal in the mind of top Treasury Department officials. The plight of working families on the verge of losing their homes—well, that was somehow a much, much lower priority.

    The major banks—Bank of America, Citigroup, JPMorgan Chase and Wells Fargo—are facing legal pressure from the attorneys general of all 50 states over their practices, including “robo-signing.”

    With the ownership of mortgages spread among thousands of investors due to securities designed to minimize the risk, it becomes hopelessly complex to prove ownership of a home when a bank wants to foreclose, as Chris Hayes of The Nation explained on MSNBC Wednesday night.

    But no sweat! Presto—the banks came up with reams of bogus documents and then hired employees whose job was to sign affidavits saying that yes, indeed, Bank of America owned the home in question. Untold thousands of families were thus illegally evicted.

    These unlawful practices brought together the 50 attorneys general who demanded—no, not time in jail for bank CEOs—$20 billion in fines that would be devoted to mortgage modifications. In exchange, the bankers would get total immunity from prosecution.

    When New York Attorney General Eric Schneiderman—who this week was dismissed from the executive committee of the 50-state AG investigation—balked at accepting the deal, Wylde, the public’s watchdog, told him,

    It is of concern to the industry that instead of trying to facilitate resolving these issues, you seem to be throwing a wrench into it. Wall Street is our Main Street — love ’em or hate ’em. They are important and we have to make sure we are doing everything we can to support them unless they are doing something indefensible.

    Wylde’s concern for the banks—already the recipients of taxpayers’ generous 2008 TARP bailout package—has been matched throughout the past two and a half years of Obama administration programs designed to help homeowners.

    The programs were supposed to help desperate working familieies faced with rising interest rates and falling home values to stay in their homes.

    Recent reports and articles on foreclosures should assure Wylde that the bankers have been treated with kid gloves from day one of the mortgage-relief programs. First, the Obama Administration apparently ruled out the idea of prosecuting bank officials for their multiple offenses, as Mary Bottari of Bankster USA points out:

    Perverse incentives on Wall Street allowed top executives to make more money on flawed loans than boring old 30-year mortgages.

    Even though there is widespread agreement that Wall Street’s endless appetite for high-interest, high-fees loans to fuel the mortgage securitization machine had a causal role in supercharging the housing bubble, not one mortgage servicer provider or big bank CEO has been put in jail. This compares to over 1,000 successful prosecutions of top officers during the Savings and Loan crisis of the late 1980s.

    The almost uniform judgment of government officials outside Treasury Secretary Timothy Geithner is that the homeowner assistance programs have been a disaster. Former Senator Ted Kaufman of Delaware said: “We have a $700 billion program that basically helped all the banks but really hasn’t done a whole lot for people who in the process of losing their homes.”

    Elizabeth Warren, the consumer advocate who inspires fear and loathing among Republicans, “grilled” Geithner at a June hearing in Washington D.C. for shaping the programs around the needs of banks and other financial institutions rather than homeowners, the New York Times reported:

    “Forgive me, Mr. Secretary, but you say we designed the program from the beginning, in effect you’re saying, not to save everyone,” she said. “You designed it around servicers who, I wrote it down when you said it, ‘servicers have done a terrible job.’

    “We only have three months left, with hundreds of thousands of families facing foreclosure,” she continued. “Is it time to rethink whether or not a mortgage foreclosure prevention program that is based on a group of servicers whom you describe as having done a terrible job, is a program that perhaps should be redesigned?”

    Particularly tragic is that these programs were proposed at a moment when the public was ready for truly innovative action to help families on the verge of losing their homes.

    With the antiforeclosure programs failing so badly, the nation is in no condition to cope with a housing picture that is, if anything, worsening, according to economist Jack Rasmus.

    Foreclosures now approach 10 million, with some sources predicting 13-14 million before the current housing cycle bottoms. That’s about one-fourth of all mortgages in the U.S. The numbers for homes in negative equity are even greater, at around 16 million

  6. Let us not forget Cumo v. Clearinghouse and 2009 State Attorney Generals ‘permitted’ by SUPREME COURT to enforce consumer protection laws. Freddie & Fannie only informtion public is info goverment requires. Everything else private under codified laws. Bypass 2009 win ! If you need evidence they Congress allows the private part of FREDDIE/Fannie to hide taking possession of property by deceptive acts. Is that called larceny?

  7. usedcarguy
    Thank you.
    I hope Neil will cut/paste and place as article so will appear throughout google

  8. Not to be ‘stupid’ but what is the good fight?

    There is the point of view of the commercial side who profits from demise of consumer.

    There is the consumer without protection who depends upon the truth.
    In the case of a consumer owing a debt, the truth does not set us free.

  9. This is why the Utah Court is ruling the way they are ruling. The cat is out of the bag, my friends. Our story is now on the front page. They will not be able to stop the blowback.
    http://www.istockanalyst.com/finance/story/5379587/bank-favoring-government-corruption-reaches-pinnacle

    server blocked the rest of the phone numbers.

    North Carolina Attorney General
    (919) 716-6400
    North Dakota Attorney General
    (701) 328-2210
    Ohio Attorney General
    (614) 466-4320
    Oklahoma Attorney General
    (405) 521-3921
    Oregon Attorney General
    (503) 378-4732
    Pennsylvania Attorney General(717) 787-3391
    Puerto Rico Attorney General
    (787) 721-2900
    Rhode Island Attorney General
    (401) 274-4400
    South Carolina Attorney General
    (803) 734-3970
    South Dakota Attorney General
    (605) 773-3215
    Tennessee Attorney General
    (615) 741-5860
    Texas Attorney General
    (512) 463-2100
    Utah Attorney General
    (801) 538-9600
    Vermont Attorney General
    (802) 828-3173
    Virginia Attorney General
    (804) 786-2071
    Washington Attorney General
    (360) 753-6200
    West Virginia Attorney General
    (304) 558-2021
    Wisconsin Attorney General
    (608) 266-1221
    Wyoming Attorney General
    (307) 777-7841

  10. What the banks have done is beyond shocking. What the judicial system and our government representatives have done is treason.

  11. Georgia
    Georgia Attorney General
    (404) 656-3300
    Georgia Stop Identity Theft Network
    Hawaii Attorney General
    (808) 586-1500
    Idaho Attorney General
    (208) 334-2400
    Illinois Attorney General
    (312) 814-3000
    Consumer Complaint Form
    Consumer Complaint Form with Larger Text Size
    Consumer Complaint Form en Español
    Identity Theft Hotline
    Indiana Attorney General
    (317) 232-6201
    Iowa Attorney General
    (515) 281-5164
    Kansas Attorney General
    (785) 296-2215
    Kentucky Attorney General
    (502) 696-5300
    Louisiana Attorney General
    225-326-6000
    Maine Attorney General
    (207) 626-8800
    Maryland Attorney General
    (410) 576-6300
    Massachusetts Attorney General
    (617) 727-2200
    Michigan Attorney General
    (517) 373-1110
    Minnesota Attorney General
    (651) 296-3353
    Mississippi Attorney General
    (601) 359-3680
    Missouri Attorney General
    (573) 751-3321
    Montana Attorney General
    (406) 444-2026
    Nebraska Attorney General
    (402) 471-2682
    Nevada Attorney General
    (775) 684-1100
    New Hampshire Attorney General
    (603) 271-3658
    New Jersey Attorney General
    (609) 292-8740
    New Mexico Attorney General
    (505) 827-6000
    New York Attorney General
    (518) 474-7330

  12. Alabama Attorney General
    (334) 242-7300
    Alaska Attorney General
    (907) 465-3600
    Arizona Attorney General
    (602) 542-4266
    Phoenix Police Department
    Arkansas Attorney General
    (800) 482-8982
    California
    California Attorney General
    (916) 445-9555
    California Office of Privacy Protection
    California Department of Motor Vehicles
    Colorado Attorney General
    (303) 866-4500
    Connecticut Attorney General
    (860) 808-5318
    Delaware Attorney General
    (302) 577-8338
    District of Columbia
    (202) 724-1305
    Office of the Corporation Counsel
    Florida Attorney General
    (850) 414-3300

  13. Re: The recent Utah Appellate Court ruling in Commonwealth Property Advocates, LLC vs. Mortgage Electronic Registration System, Inc. (“MERS”), 2011 UT App 232 (July 14, 2011

    More proof that the rule of law is being ignored in the quest for making America homeless to pacify the rentiers.
    Following the reasoning of “sound public policy” in rejection of “the rule of law”. But not just any law; a law from 1872 (a pretty substantial precedent, I might add, that has been attacked multiple times, to be sure!). I know Great Scot is screaming at the top of his lungs right now.

    I smell a Supreme Court case.

  14. Victory on the Island of Maui in the Maui Circuit Court today. Jeffrey Barnes kicked Butt, and the judge gave Us Bank 30 days to submit proof of having ownership of the alledged mortgage at the time of the foreclosure. Judge also denied US Bank motion to dismiss…Barnes said this case could set presedence on Maui and in Hawaii…. It was an honor and priivedge to witness him argue and state the facts in person.

  15. LIKE ANONYMOUS SAID:

    “Neil does not listen — he is narrow-minded on focus that because someone else may have advanced payments for borrower — that borrower is NOT in default. This will NEVER win in courts. Courts do not care if someone else pays — they care about the borrower not paying. What we need to focus on is that borrower’s subprime refinance was unsecured — a false and fraudulent mortgage — and nothing more than debt collection on a fraudulent transfer of collection rights to a false default debt. Everyone (in subprime refinance) was in (false) default before they even refinanced.
    The banks (as debt buyers) accomplished this by falsely placing borrower in current default (and never telling them) — and then the servicer purchases the collection rights from either Freddie or Fannie. Then the servicer “reinstates” the false default debt with a fraudulent refinance. And, if there is a subsequent refinance, that is just another transfer of collection rights. Servicer reports original F/F mortgage as “paid” — but it is “Paid-OUT” — by servicer purchase — and not “Paid-OFF” by the borrower as it should have been by the (fraudulent) subprime refinance. . Thus, borrower remains in default on F/F loan – despite a subprime refinance — and borrower can never refinance with an F/F again — They are doomed if they miss even one payment on the false collection rights — and will never recover because always held in default — on both the F/F loan and the collection rights. BUT BORROWERS should not be paying on fraud!!!! They have a right withhold payments on fraudulent debt.
    All fraudulent, all in violation of consumer protection laws — and, because the “creditor” of collection right never validates the “debt” — by disclosing the actual creditor to the false default debt — in violation of FDCPA and May 2009 TILA Amendment. Meaning borrowers should not be paying anything — because of fraud and violation of federal statutes.”
    “Neil and LL have to redirect their focus — challenges after AG settlement without investigation — will be extremely difficult. Neil’s premises will not hold water – and not help the situation —- must rethink his focus — very stubborn — or he works for private debt buyers. (eventually banks sell the collection rights to private debt buyers and hedge funds — not regulated). Believe that maybe Neil and many others on LL — work for these private debt buyers — trying to “modify” again — the collection rights — just continues the fraud!!!”

    EVERYBODY CONTACT YOUR AG’S ASAP—

    MUST STOP SETTLEMENT—

  16. Is this

    This link has been deleted!?!?
    the end of the Quiet Title defense?

    The gist is here –
    http://news.yahoo.com/attorney-walter-keane-explains-unfavorable-ruling-quiet-title-223207058.html

  17. In response to the cost of the membership as being expensive, I agree to a point, however if you access this site (at all) then you should donate ten dollars per month. I have done that, and currently I am in recovery from a total hip replacement (8/2/11) and I have become a person with very limited expendable money, (for about one more month) however next month I plan on starting to donate ten bucks again, (wishing I did not miss what was on the membership as far as the information) and as soon as I become able to pay the membership fee I will do that.

    Ten bucks $10.00 X the amount of people that access this site daily?
    (I have to admit I open the site 10 times a day at least)
    I have since finding this site and others with the same MO, Jan 2009.

    So sign up for the 10 buck donation and watch the price of the membership drop! This will make it affordable for all.

    By the way I have been walking more every day and with less pain and am thankful for that. Kudos to the staff etc.

  18. I would love to join as well, I love Neil and Martin they have been very good sources of information and help to homeowners. I wish it was less pricy so everyone can join!

  19. I would love to come. It is our slow season and it is slower than the norm. I just received a question from a blogger that is on my e-mail. She thinks Chase is planning on purchasing Bank of America. I have been fearing this myself. Do you think this is a possiblity. The AG’s have been going after Bank of America, the last big bank in America, then Chase and Duetsche could controll them as well and a sinister world bank that should never have been allowed on American soil due to the Auschwitz death camp crimes and all the fraud it has commited here on American soil. Can not become our banking system controlling our government and Americans. Have any input on this?

  20. I am so very pleased to see my good friends Neil & Martin are now teamed up for a workshop in Hawaii !

    You guys are the best ..keep up the good fight !

    Aloha ,

    Alan

  21. Well, what a great time and education. I am just wondering why the membership is quit expensive. I know everyone needs income, but many would join the blog if it were affordable.
    Aloha.

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