You Don’t Get Fire When You Pretend to Rub Two Sticks Together

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Several people have asked about the extreme length, in their view, of the Expert Declaration I write. They are concerned the judge won’t read it because it is too long. Here is my answer to one Customer:

No I don’t think it should be shorter. How it is used is up to the litigant and counsel. But the normal way it is used is by filing a memorandum in support of the homeowner’s position citing and summarizing the lengthy Declaration together with case law and statutes. I submit the Declaration as fact and opinion with conclusions based upon logic — not as legal argument.

My experience is that it could be 3 lines and the Judge still won’t read it unless he hears oral argument that gets him to question his own assumptions. The declaration is not meant to argue your case. It is an explanation to enable the Court to understand what occurred, standards of industry practice and where there are factual defects in the position of one party or another. Getting the Judge to WANT to understand it is the job of the litigant and counsel. The USE of the Declaration is strictly up to the proponent. If it is used as a substitute for arguing a motion it will fail — and it should.

Properly used however, it turns heads around, as we have seen repeatedly across the country and especially in Florida where I am actually appearing as attorney of record. The biggest thing I see getting traction is that the Judges feel they have no choice but to let our pleadings stand and allow discovery once we say there was no underlying transaction between this homeowner and this party pretending to own the loan or any of its predecessors.

No actual loan transaction means the documents are void. Read yesterday’s articles on this Blog. The burden shifts to the forecloser to produce a chain of canceled checks and wire transfer receipts and instructions showing that they are in fact the owner of the loan not because of a presumption raised by the UCC but because they bought it fair and square from a party who truly owned it fair and square because there was consideration for the origination and consideration for the transfers. You don’t get fire when you pretend to rub two sticks together. You must have the two sticks and you must rub them together, along with breathing softly to increase the flame. And if one of the sticks is soaking wet, it is defective and will never produce a fire.

What the Banks appear to be doing quite successfully is keeping the argument on “holder” and “holder in due Course” when the argument should be over whether there was any underlying transaction to begin with.

Summaries I have seen include

– list of items of material facts that are in dispute

– list of defects in the chain of title

– list of discovery items outstanding seeking proof of actual transaction

– argument that this means the note and/or mortgage are non negotiable (see yesterday’s post) and therefore the claim of holder or holder in due course is meaningless since the transaction is not governed by the UCC.

– argument that there was no consideration for the loan from the payee named on the note and therefore no consideration for the deed of trust which is fatal defect in perfecting the encumbrance of the mortgage (deed of trust)


Despite my confidence in the truth of the matters asserted and the rectitude of my conclusions and opinions in the Expert Declaration, it is still only a road map for the lawyer to consider which items, knowing the Judge and local prejudice and state law, will get the most attention and which items he wants to prepare the record on appeal. Some day the things I have written will all be common knowledge. That is already partially true. But the whole story is not common knowledge and that is where educating the Judge through skillful lawyering makes all the difference.

131 Responses

  1. Enough smack talk guys. Your killin’ my willingness to sift through piles of all this jumble to find what is useful, yeeeesh.
    ……….0_o…………. make like eggs and be delicious, or SCRAM

  2. Turns out, I rubbed two sticks together yesterday, and poof, a magic genie appeared… Turns out, the genie had worked for the world bank and he claimed that the dollar will be devalued when the banks have moved from dollar assets.

    I’m not sure the genie is correct – but I am not rubbing any fucking sticks again…

  3. El, type in REMIC, you will get a great paper–Social Science Research Network.

  4. Whoops! Meant to post this link to the same site, where I put in the term “foreclosure” to search –

  5. WOW! Look! Real discussion about law, and a great site for legal issues that win cases, like the right to a clear title as a public interest when all is said and done –

    “Most importantly, this article is a defense of the institution of recording and an examination of the utility of certainty of title. Recording creates a network of information supporting a network of transactions. If we understand that one can transfer only as much property as one has, we should equally understand that such a rule is only useful if we have the means to figure out what one has in the first place – in some authoritative and certain way (including knowing that the courts will come to the same conclusion) such that we can adjust our behavior and arrange our interactions with that property around that knowledge. These truths lie at the heart of the importance of certainty of title and at the core of the justification for the existence of market-facilitating registries or recording systems that document property ownership in society.”

  6. YUP! Working as team together to put the puzzle together and expose the crime and how to battle it legally. Case law and statutes are never to old.

  7. I agree too. No one needs to be insulted and berated for attempting to help or contribute in whatever way they can. We should all be able to agree to disagree and support these challenges that we face.

    This is a very difficult, time consuming, emotional battle. There is no room for hateful, spiteful comments. It is hard enough! My piece.

  8. i AGREE! And emailed Neil.

  9. Yes, mam, and I just sent another E-mail to LL re Christine/Enraged. I do not want good people with good ideas chased away by a nut job. LL should post the parameters of good posting and not put up with this krap. We beings are all one anyway. We should work together, because that is the only way we will be able to defeat the evil banksters, regulators, judges and small time crooks. Keep up the good fight!

  10. Thanks I have Neils email and will send him a message.

  11. FYI: She was thrown off before as Enraged…

  12. Just like MERS A venerable maxim in our law is expressed in Latin as nemo dat quod non habet—one who does not have cannot give.1 – See more at:, same with a character on this web site. If you have no compassion you can not give compassion. Would hate t be in her shoes. Thank God I have compassion.

  13. Shelley, she is either a sociopath, antisocial personality disorder or a malignant narcissist or whatever negativity you can come up with. You are all playing into her hands. She is baiting you and you are falling for it. I am going to write to LL and tell them we’v got another idiot similar in its own special way to Stripes. Do not be deceived. She is very poisonous, and she is doing a good job at ruining the blog. I will need more than one person to write to Neil and Danielle.

  14. I so agree! The attorney General and DOJ know me well. and the SEC and the OCC. Bury them with complaints and overwhelm the courts with complaints. OVERWHELM the fraud closure firms with White Paper QWR and Cease and Decist and Objection and Deny and Affirmations of proof of authority to Represent. Bury them with paperwork and complaints. .

  15. Sorry to burst your bubble, but you have no power over me.

  16. UNPUBLISHED! Glaski is published law.

  17. Just me and others here, besides making all the sheeple in this country aware, we have one very big responsibility that most are dropping the ball big time. NO MATTER THE OUTCOME, file complaints of ALL violations of rules, codes, statutes, etc against ALL who violate anything. No matter how big or small, NO MATTER the outcome because we must make the record clear of violations. DO NOT file a complaint because the judge did not rule the way you want or attorney said something you disagree with or do not like either, but DO when it is a violation. Look up Judicial Canons, if a judge violated them file a complaint. I have not filed one complaint that I did not want action taken, and a majority of my complaints were ignored even with the good documentation that I always provide. Again, the outcome does no matter though. Perfect example, Florida Attorney General Pam BLondi stated her # 1 complaint she was getting was about Time Share Fraud. My first thought and reaction was that we needed to make these crimes pile up on her desk even more so, to insure WE received the attention she was giving time share fraud. Did I believe her statement, no, but we need to ramp things up. When just a few complain they ignore us, but when we make more noise [squeaky whell ring a bell??] they eventually start to address the issues we are complaining about!! Think about that all, IT IS VERY IMPORTANT!!!

  18. Yes Christine is an employee of the bank.. She wants power. Her drive is to seek power and drive all of you away from livinglies due to Neil is a threat to the banks and the people on his site are a threat to the banks.

  19. Sorry should have caught Glaski spelt wrong. Darn I am not perfect.

  20. I sent a case to an attorney several years ago whom told me the case was old but upheld over and over and was distinguished law so he used it in a famous case, for the Amicus Curie for the Bains V MERS and I saw it in the Bains V MERS case itself. This case law was used in many cases I have read. Good case law, Carpenter V Longan, 1872 US Supreme Court. So is the US Constitution! OLD! Carpenter and Longan should be in every case for homeowners. Over a hundred and forty one years old. Glaki is new birth of case law. And many dont know about it and it needs to be repeated over and over until all know of it. And the Carpenter V Longan case. Case law is never to old.

  21. She is either hired by the banksters or a foreigner that hates Americans and should go back to her country where I assume the people in her country must have done a great job of keeping their leaders uncorrupted and in control of the entire world. Unlike ours. Or this could be her fault and karma. She seems to think it is just our faults and karma. If life is so good there don’t know why she spends time here interrupting our attempts to stop this crime. She must be an employee of the banks. Everyone is to blame but her. She must be the perfect person. Don’t know why she is on earth at all. Only us imperfect people are suppose to be here on earth. I am banking on karma. Christine may find karma herself. We can pray while she spews hatred.

  22. christine- most of us are here to learn about foreclosure defense, or how to be proactive beforehand. Your comments and pastes would be better received on some type of conspiracy website. This way the rest of us can read perfinent information. Thank you.

  23. Abusers are a dime a dozen…they are always disrespectful, possess an inferiority complex and have an insatiable NEED to pretend they are somehow better, smarter and more informed. Christine is an abuser, bigot and racist, nothing more!

    As for the case posted: it is for each individual to find what is meaningful to their case. We don’t need translators and analysis, this is not FOX News!

    Going back to my hole, peace and quiet. If I wanted to seek abuse and degradation I would still be living at home.

    FYI: a hymen-hugger is a person who cannot communicate above the waist line! Smart is a subject value. It is neither geographic, gender based or color based as christine would indicate with her “ignorant” comments about the southern people, elderly folks and various other insults of groups of people over time!

    Not to worry, I am finished here. Came to get a transcript, when I saw the “carry-all” grouping of elders and how ALL of them feel when leaving this earth….as poignantly defined by the illustrious christine. One would be lost without her, unbiased snapshot of people and things! All the best folks.

  24. Ladies—sorry to say Christine is a strange, lost cause…she LOVES it when people get riled up over her cold-hearted, ego-driven, sociopathic rantings…best to ignore…leave her to bask in her own sad, unloved, empty existence…she’ll never change.

  25. Get over yourself, Shelley. That pack mentality thing is getting old.

  26. @DUMBELLES – Thanks so much for burying this post under your irrelevant tripe.

    The ANTI-GLASKI – Unpublished Appellate decision with same arguments as Glaski and different result. This is the focus – the possible beneficiary effect on title in event of foreclosure, making the borrower a third party beneficiary.

    “In their briefs on appeal, appellants attempt to sidestep the standing issue by asserting that they “are not suing to attack or enforce the PSA, or to attack the securitization of their mortgage.” Rather, appellants claim that the failed securitization is simply “evidence” that respondents never received legal title to their mortgage. This is essentially the same argument. Regardless of how framed or labeled all of their claims depend on the same contention – the mortgage was improperly securitized under the PSA. As nearly every court addressing this issue in a published opinion has recognized, borrowers who are not a party to, or a third party beneficiary of, the PSA lack standing to allege a failed transfer due to improper securitization. (Junger v. Bank of America N.A., supra, 2012 WL 603262, at *3; see also Rodenhurst v. Bank of America (D. Hawaii 2011) 773 F.Supp.2d 866, 899 [“The overwhelming authority does not support a cause of action based upon improper securitization”].) As far as appellants’ causes of action rely on the allegation that respondents violated the terms of the PSA, the trial court properly sustained respondents’ demurrer on the ground that appellants lack standing to challenge the securitization of their mortgage.”

  27. Christine what demon sent you to harrass people on this site?

  28. “Done with this…she is part of the reason many have left this blog!”

    This is giving her a lot of power, isn’t it now? People leave because they want to. And whether people choose to leave or stay, she will continue calling it like it is. It’s called freedom of expression.

  29. Love this websiite
    I lsughed so much today ” hyman hugger” what the dickens is one of those
    I know ive made a fool of myself plenty and thsnk you for tolerating my iphone typing and bad vision over past 4 years on here but it serves a purpose for all of us otherwise why bother , thanks to all actually …ive grown with all of you. But ill tell you what we do indeed live in interesting times and not one if us getting out of here so lets make it count.

  30. And you know Shelly, the Pioneer, Chemtron and Wright cases are old, but winners….for those with claims against these thugs.

    Done with this…she is part of the reason many have left this blog!

  31. “many here would like to see you in the condition you talk so carelessly about.” Speaking like a true Christian, I see… need to go sit in that pew a little more. The message has obviously been seriously lost on some self-proclaimed Christian people…

    What condition might that be? Owning nothing? It is a fact and the most freeing situation to be in. “When you ain’t got nothing, you ain’t got nothing to lose.” No fear to lose anything. No attachment to things. You should try it someday… Oops, it’s coming anyway. So, you’ll have a great chance to experience it. You’ll see: very freeing situation.

    Dead? It will come one day. Nothing to be afraid of: it is a certainty. Actually an interesting prospect. Something to look forward to, in a way. A new experience to go through.

    Despondent? Depressed? Suicidal? Nah… those are spoiled, self-centered and self-absorbed people’s emotions. Very primitive.

  32. You are right, Shelly. Nah, blood pressure over her, not worthy. I have no skin in the game with her, other than the hateful, dribble she spews, while she generalizes and insults most everyone….

    Do you notice how she speaks of “Americans”…she is not one, clearly.

    Does anyone wonder why she comes to this blog, other than to insult and hurt people? Curious person!

  33. “karma’s a bitch.”

    My point exactly. What Americans have visited upon the world for 2 centuries is now being visited upon them… by themselves! And rather than admit it, they will go after everyone who dares say it.

    Indeed, Karma is a bitch. What an interesting period we live in!

  34. As you can see Christine does not even understand our outrage! Narcissistic people have no understanding of caring about anyone but themselves. It is in their genes. Her replies show this, there is no way you can make her understand this, no more than someone Narcissistically mentally challenged whom can be extremely smart but never the less can not understand feelings for anyone but themselves. So don’t give your self high blood pressure over her. Hard to understand but it is what it is. A gene pool issue. Just like alcoholics. You can talk till you are blue in the face and lifeless. It wont make any difference.

  35. And just for the record, everyone on this blog has compassion for other’s except you, from what you say.

    All of us care about other’s…but I’d venture to say, many here would like to see you in the condition you talk so carelessly about. Behold one day it will be you. Let us know where they house you so we can see if what you say really applies! All your venom will catch up, karma’s a bitch.

  36. Listen you hymen-hugger…quit using my name.

  37. One gets what one deserves…I’m surprised you could identify class at any level. Either way, if one doesn’t know when they are being insulted, one must try another path…I guess you now get it!

  38. Sob stories are a dime a dozen and have not made one iota of difference in foreclosures and Alzheimer’s and terminally ill patients in hospices don’t care about a house. And that still is a fact.

  39. Oh… and pooper scooper,

    Glaski’s been published for a few weeks. Old news. And all caps doesn’t give it any more teeth. If anything, it demonstrate once again how insecure people resort to all caps and insults at the drop of a hat. Quite afflicting indeed…

  40. The way I see this:
    Getting this information out to as many people as possible, is the way this ends. I had a friend the other day who has a loan with BOA, she is trying to refinance. I told her a National Association cannot do a refi and they never funded your loan. BOA N.A. is a servicer.

    The story needs to get out.

    And I agree with you about people. Having spend a great deal of time with aging and sickly people I seen so much suffering and despair. Chrstine is so wrong, they do matter. After a life’s body of work and toil, caring for kids and other’s, people are reduced to lab rats with medications that numb them and disorient them, as they age. They are treated as codes, not human beings. And they damned well do care about what they have acquired with their hard work. Life does go on, but the love many have for other’s is a dying issue, where most people want to leave something behind to take care of their loved ones.

    Her comments infuriate me!

  41. “And unless you have personally witnessed what many people go through at the end of life, shut the fuck up!” [Classy and refined…]

    Reaction typical of self-absorbed and self-centered individuals who believe that what they experience is priceless while everyone else’s experience is worthless…. And reaction also typical of a very primitive mind. The combination of both is what will finish off this very self-destructive country with absolutely no regard for anything and anyone but itself…

  42. The Glaski case and a few new case laws set in Washington state are causing attorneys and homeowners to jump for joy. =) I will have some good stuff to send out on Monday or Tuesday, that will help homeowners. Not available to me yet to share, but I know it is on its way.

  43. Not at all I agree with the wrong and evil and the lack of policing trusting the politicians to be the policing the evil and wrong doing.Believing there were to many laws and good humans to allow this evil. Expecting someone else to do it for us. Stating no one should be morning and wining over the sick elderly and very vulnerable,that can not take it with them. No one human being is worth less than another. I dont care if the person is a special needs person. they have feelings and are a special person and have the right to be treated honorably and decently. Just because some of us are luckier than others does not make any one of us superior to the other. Just lucky and thankful and responsible to protect the ones less lucky. Sorry but you are so wrong. They are no less of a reason to complain and expose the evils of the greedy, but a bigger reason to expose and complain about. These people have paid their taxes fought for their country all deceived by the purposes I believe and unknowing how they are being used and in debt slavery. Deceived by propaganda and brain washed to believe in an illusion. Me included. I don’t hate the guy that uses his body as a bomb to blow up us. I pitty him for being deceived and brainwashed. And hope to stop him. I believe every war was for greed and caused by deception. I believe the people did what they did because they believed in deceptive people and they were brave and honorable but deceived. None of us are perfect and millions of us are being wakened and are trying to waken the population to the deception. I am no better a person than a special needs or elderly or person with Alzheimer. You may be there someday. Stating these people are nothing to wine about is going beyond the line. A good heart is worth more than gold it self. Gold wont get you to a higher place. A good heart will. However God is forgiving. Everyone has a chance. Don’t blow it. Narcissistic people can not help being narcissistic either, it is in their gene pool. Like alcoholics are born alcoholics.

  44. And if you want to name call, I’d be careful cupcake. You have no idea…..your picking on the right person!

  45. How’s this last post christine….people are trying, not like we need to show you that!

    And unless you have personally witnessed what many people go through at the end of life, shut the fuck up!

  46. Pooper scooper,


  47. If anyone here doesn’t have this, from a friend in CA. Check this out:









  48. Shelley,

    What line? The line which caused a once-great experiment called America to fall flat because its people are so smug, arrogant, spoiled, greedy and ignorant that they allow their own government all excesses and consider it their duties to police 7 billion people by imposing a way of life no one else wants?

    The line of the cowards who sit in pews every Sunday but are so terrified of taking a stand that, because they stand for nothing, they keep falling for everything?

    The line of hyenas who need to be in packs to feel secure but, individually, do nothing other than whine? Surely, you jest! Four women, completely representative of what’s wrong with this country, ganging up on one person who dared point out the obvious: sob stories are a dime a dozen and have not made one iota of difference in foreclosures and Alzheimer’s and terminally ill patients in hospices don’t care about a house. And that is a fact.

  49. People of marginal intelligence judge other’s not knowing who they are and from where they came…that is the test! That describes you christine

    Freedom is to speak your mind, however, get it straight christine; people have the same right, not to like what you say and be hurt by your shallow judgments.

    Revealing the evident truths about who you are and how limited you are in empathy and understanding carries a cost. I do not do the gang-bang…you have revealed yourself, I have not, just brought it to people’s attention.

    Imposing your standards for other’s and projecting your feelings of uselessness, does not carry with it, credibility.

    Believing in your fellow man and other’s is not a flaw, but an honorable venture. Look around christine, people try to do good things every day. Firemen ran up the building on 9/11 and died trying to help, other workers stayed behind and died trying to get people they didn’t know out of the burning building, hospice workers get paid little and go to work each day and hold the hands of aging-suffering people at death, etc…the list is long.

    The corrupt government we have is “partially” our faults for believing these liars, however, we are working through it, as we have so many times before…

    Your pleasure in “regurgitating” what you believe to be the truth, as stated by someone else, is a “sheeple” mentality. Giving people the benefit of the doubt is much more honorable!

  50. Thank God there are not more people like you to join your pack. Might inlist a few bankers! I usually keep my cool, but your comment hit a soft spot and I believe you have gone over the line.

  51. 🙂

  52. Agreed! I would DELETE her also if I were you. There is freedom to delete.

  53. You appear to be one sick person. I am done and will not engage with one more lost second of my precious breath to discuss this with you. You can speak to the walls all you wish. You are free to speak we dont have to listen. Freedom of Speech is freedom to listen or not also. DELETED.

  54. Shelley,

    I know you’re marginally intelligent. it’s been pointed out many times by Breidenbach among others. The fact that i don’t particularly care for what’s going on here doesn’t take in any way my RIGHT to stay, observe and speak up. I know if burns you but deal with it. And unlike you, pack of hyenas, I don’t attack people. i attack stupidity, greed, ignorance, hypocrisy, lack of courage, chronic whining, etc. as do many Americans who happen to do something about it.

    Your knee-jerk reaction confirms that the shoe fits on all counts. Not my problem.

    Funny how it just takes one hyena to attack me for the entire pack to launch all at once. Talk about courage…

  55. Also wondering if Christines country and the people in her country, have done a better job of controlling the elite than the US sheeple, why is she living here? Go home to wonderland and live the good life or are you guilty of allowing the elite to destroy your life also., Since it is our faults and we are to blame, how is your country faring? Do you blame yourself for having a great country ran by great people or are you to blame for a criminally ran country? Christine and her people must be highly successful in policing her country so go back to wonderland and be happy. We will stay here and battle with the demonic banksters and try to save the earth. Sounds like a great country unless you are old and losing your facilities, when it comes your time. Dont exspect to be treated with any honor or respect. After all your will be old and useless and you can not take it with you.

  56. This neanderthal christine is hateful, jealous and spiteful, been for years. Nothing worse than mocking and minimizing someone’s loss and despair.

    Her information is incorrect, she groups people and insults them, while “insulting” their hardship and loss, like she can somehow judge their circumstances.

    How can a 70-80 year old something, in failing health fight? This situation is disgusting and she somehow thinks if these people stand up in their wheelchairs and scream, someone will stop these thugs? If millions of us cannot, maybe she can?

    And I have spent time with dying people, who have worked their entire lives, to pass on what they have saved and earned. The despair and loss of dignity is bad enough, never mind stealing their possessions.

    Truthfully, christine is a real special kind of stupid!

  57. Being all smug and hateful, attacking anyone who dares speak against the stupidity and greed of this nation and the atrocities it keeps committing over and over, vilifying anyone who points out what American authors themselves declare:

    “America’s no benevolent nation. It never was. It isn’t now. It’s ruthlessly belligerent. It’s repressive. It’s genocidal. Ideologues like Power pretend otherwise [Stephen Lendman]”

    In brief, trying to stop someone from exercising freedom of speech because it is Oh! so much easier to shoot the messenger when the message displeases, simply proves my point. If the message displeases, it is simply because it is true. Americans are all part of the problem, whether they agree with it or not.

    Funny how all those videos spelling out the truth have been made by… Americans. I guess only a handful of people don’t see what’s going on. And as much as you hate my guts, it doesn’t change any of the facts. So, hate away. In the end you will all croak just the same. Nothing happens in a vacuum. The economic crisis comes from here. The rest of the world is getting tired and reacting. That too is the reality.

    USA: the Disposable People

    “Published on Jun 22, 2013

    While the USA goes around the world expounding on the virtues of its way of life, it is obvious that those in charge place little value on human life. They are willing to kill thousands, even millions, for profit, for power, for money, for oil and resources.

    So meet the mentally ill of the USA and victims of the many who go without treatment. Meet more disposable people”

  58. Again I agree! Been wondering is she is a terrorist and one of the bankster. Helping to land grab due to her hatred toward Americans.

  59. Hear Hear! Good for you Poppy! Pitty is what I feel for this person as well. Your are absolutely correct.

  60. christine’s comment: Rather than harp on people you know nothing about and judge from your limited culture, knowledge and understanding, born from insularity so typical of southern, bible-belt, brainwashed morons, why don’t you just move on as you keep announcing.

    It is repulsive and ignorant to assume folks from the south are bible-belt morons and…you are SO ignorant and judgmental.

    Why anyone would even entertain dealing with you is “incomprehensible” you are vulgar, cruel and void of human dignity…you are a real piece of work!

    And I will not go away, when I see anyone hurting and demeaning the dignity and suffering of vulnerable people. Ain’t gonna happen.
    Pick on someone who is capable of defending themselves, like me. I’m up for it. Anyone who picks on people, hurts them unnecessarily, without provocation is a punk, predator! And yeah, I’m talking to you, christine.

  61. The elite are doing this to Americans. You are blaming the wrong people. Go after the elite running the planet. Don’t blame the puppets and sheeple of the earth. It is a small group of cowards doing this to the entire planet. Spend your time fighting the elite that control the entire population on earth. Propaganda, own the news media, and deceive and manipulate the sheeple around the globe. EXPOSE the real criminals and blame the greedy heartless doing so. But not the American general population trying to stop this insanity.

  62. You obviously have hatred for Americans. Go back to where you came from. Blame all the people for what the few greedy did and the rest of American trusted and should never have trusted. If America is such a horrid place, why are you here, but to destroy Neils site?

  63. The planet has had it with cold hearted greed. All Americans and the rest of the planet. A few narcissistic greedy whom have no compassion for another human being have nearly destroyed the rest of civilization. Yes we are all going to dye someday, therefore perhaps we should not moan over any of us or our property we can not take with us or our children or grandchildren. Perhaps we should not care about anything due to we can not take it with us and the suffering here will end eventually for everyone. Why should we be worried about the elderly, the sick and dying or dead. We are all in the same boat and will only live a few short years compared to time. So why should we care about the heartless either? OMG! You need to look in the mirror. Do you have family or grand children? Are we suppose to be a culture of robots with no purpose just to sit here like immobile jelly fish and die. Once dead it matters not how long you lived or what you had. The living matter, and what kind of future for the living matters. Dying without being put through living hell in your latter days matters. There is a GOD and I would rather meet him with eyes who understand pain suffering, forgiveness, love and caring for others, we can take with us, than to show him bare hands without worldly treasures we can not take with us. Every individual person, no matter how old or of sound minds or no,t deserve being treated humanely. Honoring the dead and not stealing from them matters It matters unless you do not have a soul.

  64. How is that violation of Sherman Anti trust law playing in your case…? Oops! That case was lost…

    You have confused me with someone else….won a settlement with BOA and am a creditor in Delaware, not a borrower…how’s that Karate Kid?

    Thank Gawd there’s that New Century bankruptcy case still open…

    Yes, and I am now a creditor, not a borrower…now how’s that working for you Miss know-it-all?

    Rather than harp on people you know nothing about and judge from your limited culture, knowledge and understanding, born from insularity so typical of southern, bible-belt, brainwashed morons, why don’t you just move on as you keep announcing.

    And I from the NORTH_asshole and proud of it! If you’re going to insult me, try again, with 3 degrees, MBA…and legal background, pay attention. The things Neil is bringing up I spoke of over a year ago…counterfeit paper, bonds(recently), fake designations…the only info you bring is copy and pasted or stolen from someone else’s work and paraphrased.

    Remarkably, people I respect can’t stand the likes of you and your cohort (those Stripes, ML and company) and those people just happen to win their cases.
    You respect no one, you use people for your own, inferiority complex.

    How do you explain that? I must be onto something… Oh, and just in case you, once again, wanted to take me to the mat and engage in some physical fight, just that kind of an reaction is enough to prove how primitive your thought process is. Only primates and non evolved humans resort to fistfight…
    Hate me with all your guts if you wish: you’re not hurting anyone but

    Hate you…no, I pity you. Just so all know the truth, which you are incapable of; you are the one who told me I’d better be careful, as YOU had a black belt.(hence the reference of take me to the mat, I do not know karate) I frankly have 3 in my closet, just like most people.

    And for the record, personally, someone needs to punch you in your “vile” mouth…you hurt people for no apparent reason and try to act like your superior, when in fact you “cling” to other’s to gain credibility and do it rather well, as most do not notice.

    Lastly, I took care of my dying father, while he suffered for 5 years…you know nothing of suffering and death, you heartless imbecile!

  65. I agree! WOW(Shaking head slowly back and forth) I would rather put up with being insulted, called a moron, than to have a heart of steel and no feelings what so ever. This does not bother me. Seeing a human so cold and heartless is bothersome. Having no feelings would be similar to being a robot. I would rather feel pain, sorrow compassion and love. We all know we are not morons. Sticks and stones may hurt our bones, but words will never hurt me. WOW!

  66. I want to just cry for these people as I cry out loud for all forsaken homeowners. As a child I went around and picked up bucket of rotten apples and pears and plums and mowed the elderly’s yard no charge. And sat with them for hours as they showed me pictures of their families I never saw visit them and listened to their stories over and over again, As a young married woman I went over to my neighbors in their late 90’s and did the same so they would not be put into homes by their children. I can not imagine someone thinking there is no honor or reason to protect the sick, the poor and elderly. Or to save a sick puppy no matter what the cost.

  67. Depleted uranium used by US forces blamed for birth defects and cancer in Iraq
    Published time: July 22, 2013 13:21

    The US military’s use of depleted uranium in Iraq has led to a sharp increase in Leukemia and birth defects in the city of Najaf – and panicked residents are fearing for their health. Cancer is now more common than the flu, a local doctor tells RT.

    The city of Najaf saw one of the most severe military actions during the 2003 invasion. RT traveled to the area, quickly learning that every residential street in several neighborhoods has seen multiple cases of families whose children are ill, as well as families who have lost children, and families who have many relatives suffering from cancer.

    Speaking on the rooftop of her house instead of her laboratory, Dr. Sundus Nsaif says the city has seen a “dramatic rise” in cancer and birth defects since the 2003 US-led invasion of Iraq. Nsaif said the alternative location was chosen because there is an active push by the government not to talk about the issue, perhaps in an effort not to embarrass coalition forces.

    “After the start of the Iraq war, rates of cancer, leukemia and birth defects rose dramatically in Najaf. The areas affected by American attacks saw the biggest increases. We believe it’s because of the’ illegal’ weapons like depleted uranium that were used by the Americans. [Yep! America jumps all over Syria instead of fixing what it’s caused worldwide. Hypocrisy doesn’t even start describing it…] When you visit the hospital here you see that cancer is more common than the flu,” Nsaif told RT’s Lucy Kafanov.

    And just wait a couple of years for Fukushima radiations to do their job on Californian population… What a legacy this country is leaving!

  68. “You reap what you sow.” America sowed. America is reaping. Americans don’t like it but, so far, they have done just about… nothing! Just sue and complain. But those good American boys and girls will go to war if government says so. Hey! They went to Afghanistan and Iraq. They’re gearing up to go to Syria. Great country indeed…

  69. Right Louise. Stupidity and greed make me angry. Especially stupidity that creates wars and destruction all over the planet. But for Hiroshima and Nagasaki, there wouldn’t be Fukushima. Ever thought about that? But for American greed, there wouldn’t be a worldwide economic crisis. Ever considered that?

    Over half the world has had it with America. And a good number of Americans have had it with their own country. Any question?

  70. Propaganda goes a long ways. The American Dream and how grand America is has been an illusion, now smacking us all in the face. It can be a truth, if enough Americans wake up and turn this tragedy around. Kind of reminds me of the children story of the field mouse, or farmer, I believe it was, who sowed the seeds, planted them, watered them and raised the crop then harvested it, but were to busy to help him with his crop. Been years ago so I may be a bit off the story, but the same ending. You reap what you sow. To busy to plant the right seeds and sow the crop you might wind up living in the Twilgiht Zone instead of the American Dream.

  71. Poppy, don’t leave because of her. She is stuck in anger and hate. You have made contributions to this site. Don’t let negativity get to you. We are all one and if she thinks she is superior, that is certainly a waste of time. I have read all your posts and be of good cheer. As Garfield has said in the past, when the investors get into the fray, things are going start poppin’. Those two beautiful lawsuits in New York’s Kings County are fabulous. The scam is laid out for all to see. I will be using stuff in there in my own bullshit lawsuit. Never stop suing them!!

  72. And pooper scooper…

    However hard you try to make me out as a monster, everybody croaks one way or the other. You too will. And no one takes the house with him. You usually croak as your were born: owning nothing and, if you’re lucky, naked too…

    Hear that: the end road is croaking no matter what. Get used to the idea. And you ain’t taking the house with you.

  73. Those morons are baaaaaack! Still as stupid as before.

    @Bob G,

    What were you asking again?

  74. Poppy aka Dolley Madison aka Christine Konar

    You managed to ridicule yourself to a point rarely seen by attacking John Wright of Piggy Bank on his own site and getting publicly called on it. Shouldn’t you just move on and leave me alone? I don’t recall ringing you… addressing you in any way or even remember your existence.

    How is that violation of Sherman Anti trust law playing in your case…? Oops! That case was lost… Thank Gawd there’s that New Century bankruptcy case still open… Rather than harp on people you know nothing about and judge from your limited culture, knowledge and understanding, born from insularity so typical of southern, bible-belt, brainwashed morons, why don’t you just move on as you keep announcing.

    Remarkably, people I respect can’t stand the likes of you and your cohort (those Stripes, ML and company) and those people just happen to win their cases. How do you explain that? I must be onto something… Oh, and just in case you, once again, wanted to take me to the mat and engage in some physical fight, just that kind of an reaction is enough to prove how primitive your thought process is. Only primates and non evolved humans resort to fistfight…

    Hate me with all your guts if you wish: you’re not hurting anyone but yourself.

  75. I agree about Christine, Poppy .
    A blank with a steal heart.
    So unAmerican, all the way through.

  76. I am off here and don’t care much…I cannot fathom why you folks put up with that inhuman, lecherous, living heart-donor christine.

    She is a self-indulgent, narcissistic, hater of Americans. As she has derived the benefit of being a “citizen” not of birth, but import, she has no “sincere interest” in helping anyone here or anywhere as long as they are American.

    Wake up people, she has been booted from here before, as Enraged…she is enraged alright, at anyone who disagrees with her, doesn’t have her value system(if that’s what you call what she has) and she is completely lacking in compassion for human kind!

    Her comments below are despicable. What does she know about dying people? And it should matter what they(dying people) think after losing all their lives hard-earned and valuable keepsakes, watching them being stolen, right before their eyes.

    What a disgrace to human kind!

  77. Karen Hudes latest interview on Corruption at the World Bank.

  78. My point exactly, Shelley. Jeff Daniels speech is right on.

  79. @ Bob G,

    See? Feeling better?

  80. “I sure hope any and everything I earn in life goes to my children not scavengers.” Not anymore, Shelley. The times of inheritance are gone. What can they inherit if:
    1) The house is no longer yours and/or the title is clouded? (That would be a pretty bad deal for kids to accept it under those terms anyway)?
    2) Pensions and retirement have been used to pay the public debt?
    3) Most savings account have been confiscated as well?

    Just because it happened in Greece, Cyprus, Spain, Poland and many “insignificant” countries in the eyes of many Americans doesn’t mean it won’t happen here… Whenever KC comes back, ask her whatever happened to her kids inheritance, trust funds and all, and how well protected from the banks those are…


    We did not turn our backs on the dying the poor and the dead. RECOGNIZE WE HAVE A RESPONSIBILITY TO MAKE THIS COUNTRY GREAT AGAIN.

  82. I am pretty good at credit reports because I have learned from a former mortgage broker. The reports are typically 85% wrong. In other words 85% of the credit reports have incorrect information. On my credit report a very interesting item came up. My second mortgage has been paid off, but I did not pay it off. Oh, well.

  83. And stand up for the dying and the dead. Allowing the beast to feed off the dying and the dead is enabling the crime. Stop them from this horrific crime. Expose them and stop it.

  84. Absolutely! When you screw the general public or anyone it is proven what harm can be done to the entire universe. The Kracken banksters are have reached their sucking tentacles out to everything absolutely everything that controls us, oil, aluminum cans, electricity, the wealth, all due to the people to partake in the cons and the greed. Can not be good for any one human being and their families. Help them blow up the planet with nukes. I agree wake up and stop this insanity. It is not just a few people, it takes millions of the people to enable the few corrupt. Boycott the banks and don’t take part in their schemes to defraud the public and whistleblow on all of it. Use 7-11 to pay for your bills to stop any chance of feeding these creeps with nsf fees. Find every means not to feed the beast.

  85. Look around you in AZ it blatant
    There are small timers doing the dirty work. Signs by side of the road all over
    ” we buy houses call number” who is We-
    When i say if there if there were no bad women there would be no bad men im talking about the aforesaid ( not literally ) wake up people your screwing yourself your kids their future kids.

  86. THANKS.

  87. The issue is these creeps have to be looking for the vulnerable. And what about the family they left behind. I sure hope any and everything I earn in life goes to my children not scavengers. This is a terrible crime. Who cares I DO!

    Shelley and all
    two dates on Sept 17 2013 and Sept for anyone wanting to testify on public corruption including judiciary

  89. “One 65-year-old flower shop owner lost his Northwest Washington home of 40 years after a company from Florida paid his back taxes — $1,025 — and then took the house through foreclosure while he was in hospice, dying of cancer [Sic]. A 95-year-old church choir leader lost her family home to a Maryland investor over a tax debt of $44.79 while she was struggling with Alzheimer’s [Sic] in a nursing home.”

    A dying man doesn’t give a hoot about what he leaves behind, house included. Alzheimer’s sufferers… ditto!

    Ridiculous. Those are dying people. What do they care if they keep the house or not? They can’t take it with them no matter what!!!

    Instead of posting sob stories that make absolutely no sense and don’t do anything one way or the other to stop foreclosures, people ought to get off their asses and actually take some kind of an action.


    On the day Bennie Coleman lost his house, the day armed U.S. marshals came to his door and ordered him off the property, he slumped in a folding chair across the street and watched the vestiges of his 76 years hauled to the curb.

    Movers carted out his easy chair, his clothes, his television. Next came the things that were closest to his heart: his Marine Corps medals and photographs of his dead wife, Martha. The duplex in Northeast Washington that Coleman bought with cash two decades earlier was emptied and shuttered. By sundown, he had nowhere to go.

    All because he didn’t pay a $134 property tax bill…


    Part 2 — As federal agents investigated a sweeping bid-rigging scheme at Maryland’s tax auctions, some of those same suspects were in the District, engaging in dozens of rounds of unusual bidding. Coming Monday.

    Part 3 — District tax officials have made hundreds of mistakes in recent years by declaring property owners delinquent even after they paid their taxes, forcing them to fight for their homes. Coming Tuesday.

    The retired Marine sergeant lost his house on that summer day two years ago through a tax lien sale — an obscure program run by D.C. government that enlists private investors to help the city recover unpaid taxes…

    …Foreclosures have upended families in some of the city’s most distressed neighborhoods. Houses were taken from a housekeeper, a department store clerk, a seamstress and even the estates of dead people. The hardest hit: elderly homeowners, who were often sick or dying when tax lien purchasers seized their houses.

    One 65-year-old flower shop owner lost his Northwest Washington home of 40 years after a company from Florida paid his back taxes — $1,025 — and then took the house through foreclosure while he was in hospice, dying of cancer. A 95-year-old church choir leader lost her family home to a Maryland investor over a tax debt of $44.79 while she was struggling with Alzheimer’s in a nursing home.

    Other cities and states took steps to curb abuses, such as capping the fees, safeguarding houses owned by the elderly or scrapping tax sales altogether and instead collecting the money themselves.

    “Where is the justice? They’re taking people’s lives,” said Beverly Smalls, whose elderly aunt lost her home in Northeast Washington. “It’s just not right.”

  91. I am so sure the credit agencies are part the crime. Some privacy, and they can be wrong and cause you harm and are incorrect in many cases. They set you up to be taken by the banks. You constantly have to monitor them or they are not correct or corrected. Without proof of the mortgage ownership they have listed millions in default on their mortgages that are not in default.

  92. Oh and the last time i asked loan company for full acconuting and dispersments for life of loan ” coincidentslly i saw that they had looked into my credit report / im curious as to why at such a stage was their a need for them to do that and since no need its an abuse of priviledge- Needless to say i am now scrutinizing my credit reports from all 3 agencies
    I encourage you all to do same its interesting what i have found. The more you dig – the more you need to keep diggin.

  93. So for example i paid off my vehicle and i spoke to a representative of ” loan company” for want of a better word i asked if they sold their loans gsl said no
    So we all know that car losn business is no diffrrent in terms of securitization
    So what recently arrived was a cheque for $2.84 cents i had over paid ( imagine that i almost fell down) from – JP morgan chase NA.

  94. We’ve had the technology for years. Banks don’t want to make it available to the people but it does exist. Up to all of us to demand its release.

  95. Another great investigative [iece by Gretchen Morgensen. Where do you think all this money for Pay Day Loans and such comes from? How do banks profit from such endeavors? How far reaching is it? Banks tentacles are everywhere. And the only way to stop them is to close all accounts and stop payment on everything.

    Find the Loan Behind the Loans
    Published: September 7, 2013

    ONLINE lenders who charge borrowers stratospheric interest rates are coming under pressure from state regulators — and it’s about time. But to get at the root of the problem, the regulators may need to dig much deeper.
    Fair Game

    Last month, for example, the New York attorney general followed other states’ regulators in suing Western Sky Financial and its affiliate Cash Call Inc. The lawsuit contended that rates charged to borrowers by the companies — from 89 to 343 percent, depending on loan size — far exceed the caps determined by the state’s civil and criminal usury laws. A borrower receiving $1,000 could wind up owing almost $5,000 in finance charges, fees and principal over two years, the complaint said.

    Last Tuesday, Western Sky suspended operations, saying it was a victim of regulatory overreach, though its affiliate, Cash Call, was still functioning. Katya Jestin, a lawyer at Jenner & Block who represents the companies, said that because Western Sky operated on the Cheyenne River Indian Reservation in Eagle Butte, S.D., New York officials had no jurisdiction over it.

    “We will be moving to dismiss the suit against Cash Call and the other parties,” Ms. Jestin said in an interview on Thursday. “Consumers voluntarily entered into the loans and agreed when they signed the loan agreements to be bound by the laws and the courts of the Cheyenne River tribe. The A.G.’s lawsuit is an attempt to sidestep these agreements and is an infringement on the tribe’s inherent sovereign rights and the rights of its members.”

    It is unclear what more might happen with the New York attorney general’s case. But here’s a suggestion: When prosecutors pursue payday lenders, why not go further? Investigators should track down — and disclose — the institutions and individuals who make these operations possible by providing the capital that such companies need to conduct their business.

    The capital needs of companies like Western Sky are crucial because, unlike banks, they don’t take in deposits that they can turn around and lend. They have to rely on financing from other sources.

    According to the attorney general’s complaint, Western Sky makes loans for which Cash Call, based in Anaheim, Calif., provides funding. Cash Call also acts as the servicer on Western Sky’s loans, collecting interest and principal payments from borrowers.

    The question that the complaint doesn’t answer is this: Who is willing to provide the capital that enables Cash Call to finance what regulators say are predatory loans?

    [Read the rest here. It’s always the same players. Citigroup. DB, etc.]

  96. @ shelleystotalbodyworks

    I’d love a copy of the transcript if you don’t mind. I been saying that for a minute and the bonds(no foreclosure rights, by bondholders) and a free house with “counterfeit” paperwork from Photoshop…..not too complicated to figure out, pleading another story with corrupt courts.. Thanks, in advance

  97. Deb,

    Where you the one who mentioned PIMCO recently?

    If yes, here’s some news… Going down, down, down, just like everything else (except, of course, the cost of living…)

    The World’s Biggest Mutual Fund Takes a $41 Billion Hit
    By Nick Summers September 05, 2013

    With investors anticipating the end of the Federal Reserve’s stimulus program, the biggest mutual fund in the world, Pimco’s Total Return Fund, took a $41 billion hit over the past four months after losses and withdrawals, according to Morningstar.

    The $292 billion fund has shrunk to $251 billion, a reduction of 14 percent, since May, the month that Federal Reserve Chairman Ben Bernanke told Congress that the central bank’s $85 billion in monthly asset purchases could begin to wind down toward the end of the year. The Federal Open Market Committee’s next meeting is set for Sept. 17 and 18.

  98. Too funny!,33752/

    Poll: Majority Of Americans Approve Of Sending Congress To Syria
    News • Syria • News • ISSUE 49•36 • Sep 5, 2013

    WASHINGTON—As President Obama continues to push for a plan of limited military intervention in Syria, a new poll of Americans has found that though the nation remains wary over the prospect of becoming involved in another Middle Eastern war, the vast majority of U.S. citizens strongly approve of sending Congress to Syria.

    The New York Times/CBS News poll showed that though just 1 in 4 Americans believe that the United States has a responsibility to intervene in the Syrian conflict, more than 90 percent of the public is convinced that putting all 535 representatives of the United States Congress on the ground in Syria—including Senate pro tempore Patrick Leahy, House Speaker John Boehner, House Majority Leader Eric Cantor, and House Minority Leader Nancy Pelosi, and, in fact, all current members of the House and Senate—is the best course of action at this time.

    “I believe it is in the best interest of the United States, and the global community as a whole, to move forward with the deployment of all U.S. congressional leaders to Syria immediately,” respondent Carol Abare, 50, said in the nationwide telephone survey, echoing the thoughts of an estimated 9 in 10 Americans who said they “strongly support” any plan of action that involves putting the U.S. House and Senate on the ground in the war-torn Middle Eastern state. “With violence intensifying every day, now is absolutely the right moment—the perfect moment, really—for the United States to send our legislators to the region.”

    “In fact, my preference would have been for Congress to be deployed months ago,” she added.

    Citing overwhelming support from the international community—including that of the Arab League, Turkey, and France, as well as Great Britain, Iraq, Iran, Russia, Japan, Mexico, China, and Canada, all of whom are reported to be unilaterally in favor of sending the U.S. Congress to Syria—the majority of survey respondents said they believe the United States should refocus its entire approach to Syria’s civil war on the ground deployment of U.S. senators and representatives, regardless of whether the Assad regime used chemical weapons or not.

    In fact, 91 percent of those surveyed agreed that the active use of sarin gas attacks by the Syrian government would, if anything, only increase poll respondents’ desire to send Congress to Syria.

    Public opinion was essentially unchanged when survey respondents were asked about a broader range of attacks, with more than 79 percent of Americans saying they would strongly support sending Congress to Syria in cases of bomb and missile attacks, 78 percent supporting intervention in cases of kidnappings and executions, and 75 percent saying representatives should be deployed in cases where government forces were found to have used torture.

    When asked if they believe that Sen. Rand Paul should be deployed to Syria, 100 percent of respondents said yes.

    “There’s no doubt in my mind that sending Congress to Syria—or, at the very least, sending the major congressional leaders in both parties—is the correct course of action,” survey respondent and Iraq war veteran Maj. Gen. John Mill said, noting that his opinion was informed by four tours of duty in which he saw dozens of close friends sustain physical as well as emotional injury and post-traumatic stress. “There is a clear solution to our problems staring us right in the face here, and we need to take action.”

    “Sooner rather than later, too,” Mill added. “This war isn’t going to last forever.”

  99. UKG,

    Un-be-lie-va-ble! This is the same Judge Rya Zobel who, 18 months ago, granted class action status to a similar group of homeowners, with identical allegations, against… B of A!

    One has to wonder… Who got to her?

  100. Yup. We the people are screwed. I say give Incognito123’s notion a try. Make everyone aware. Show homeowners they have no marketable title,if they have one at all… get them fired up and pist off and then, smile and watch…………. You know all those insurance etc. commercials that deliver the real story on how rates go up, lobbying, blah blah blah – it’s true but who ever is conveying it is usually selling some scam junk. Soooo – can we get a brilliant article in here that is simple, to the point and has something like a “Hey, don’t believe me – take a look at your note, dah dah dah…..kinda hard to not spark wonder into a homeowner tho sees “MERS” (or whatever indication there is they are instructed to look for) on their Note after you just put the thought into their head their home is, well, might not really be theirs! They may not be able to sell it, Maybe their mortgage has been paid off ……I’d write one up, but you know I talk too much, don’t know as much as you guys and would word it wrong and most likely confuse people :} Pass that around facebook, twetter, all the media junks and get the ball rolling. Flyers for walmart, the library…lets get the ball rolling. Tis very true the only way something will change is if we as people, and a LOT of us, are constantly calling our senators, our ‘leaders’ and pestering the shit out of them. Make sure the old school people know,the farmers, the people that will get really pist. You tube it. Start a donation page to make a commercial – that would be a good one.,….ahhhh ideas, huh?…have a great Saturday guys

  101. Yeah! The law is what it is! PSA contract law is what it is. The judges should never have trusted the gig in the first place, they have to know the banks are crooks. They should take the tax hit! I agree! Ignorance of the law is not an excuse! Seems like I have heard that before by the judicial. a good share of judges need to go to jail due to conflict of interest and violations of 18USC4 statutes among other laws.

  102. Sep 6, 2013, 7:05am EDT
    Boston judge denies class-action status in foreclosure suits against Bank of America

    Craig Douglas
    Managing editor/online vertical products and research-
    Boston Business Journal
    A federal judge in Boston has spiked an attempt to seek class-action status for plaintiffs in a bevy of suits against Bank of America over its foreclosure practices following the housing downturn.
    According to, Judge Rya Zobel expressed sympathy for the victims, calling their experiences with the Charlotte, N.C.-based bank’s bureaucracy “Kafkaesque.” However, he stopped short of granting them class-action status due to the varied nature of their claims.
    Last month, Bank of America Corp. asked Zobel to reject an appeal by homeowners seeking class-action status as they sue the bank over its alleged failure to properly modify their mortgages. In legal arguments, the bank said such status would provide unwarranted leverage for the plaintiffs as they pursue their legal claims.
    The plaintiffs, all current and former homeowners with mortgages originated by or owned by Bank of America, allege the bank failed to comply with a government program aimed at modifying principal amounts for underwater mortgages. The suits claims the bank in some cases granted temporary modifications but then directed employees to intentionally stall the applications and falsify documents to avoid permanent restructurings.

    ” In legal arguments, the bank said such status would provide unwarranted leverage for the plaintiffs as they pursue their legal claims.”

    So a homeowner battling a national bank who has 3 high-power litigation houses and the foreclosure mill working for it doesn’t create unwarranted leverage?

  103. Well, actually, elex, now that you mention it… I don’t see why judges need to actually realize a potential loss to be recused. That they could realize that loss and take a tax hit seems like enough conflict of interest to me.

  104. As I consider Glaski, I flashed on the concept that a single note misplaced into an MBS pool would affect the tax-exempt status of ALL the loans in the pool, and subject the certificate holders to tax penalties that could exceed the income derived from the MBS. Considering that CA judges have funded retirements composed of 9% MBS, if tax exempt status is revoked, they could face a situation where more than 10% of their retirement is at stake as a result of fines and penalties from tax exemption loss. At that point they would have to recuse themselves from hearing foreclosure cases where the possibility of an MBS is at issue.

    Further consideration of the ‘not a third party beneficiary’ in the Anti-Glaski case totally ignores the difference in property value with a clear title, versus the same property with a known defective title. And once again the public interest is ignored by the appellate courts, as it is the public who will bid on the foreclosed properties.

  105. We all need to do a lot of praying out loud!

  106. Yes I am aware of this criminal Florida law from not to long ago. Sinful every government represenative that enables this crime against us.

  107. If Obama has his way, whatever happened with banks and foreclosures will be completely moot since there won’t be any America left… At this juncture, UCC, MERS and what not appear fairly irrelevant. And all those talks about a new war tell me everything I need to know: Obama and his administration have absolutely no intention of cleaning up here. They couldn’t care less about the people and their needs. Sobering… If anything, things are bound to get a hell of a lot worse.

    Who Is Going To Buy Our Debt If This War Causes China, Russia And The Rest Of The World To Turn On Us?
    Friday, September 6, 2013 18:04

    If Obama insists on going forward with this, it will be the greatest foreign policy disaster in modern American history.

    Right now, both Russia and China are strongly warning Obama not to attack Syria. And Russia is not just warning Obama with words. According to Bloomberg, Russia has sent quite a collection of warships into the region…

    Russia is sending three more ships to the eastern Mediterranean to bolster its fleet there as a U.S. Senate panel will consider President Barack Obama’s request for authority to conduct a military strike on Syria.

    Russia is sending two destroyers, including the Nastoichivy, the flagship of the Baltic Fleet, and the Moskva missile cruiser to the region, Interfax reported today, citing an unidentified Navy official. That follows last week’s dispatch of a reconnaissance ship to the eastern Mediterranean, four days after the deployment of an anti-submarine ship and a missile cruiser to the area, which were reported by Interfax. Syria hosts Russia’s only military facility outside the former Soviet Union, at the port of Tartus.

    China is also letting it be known that they absolutely do not want Obama to hit Syria. On Friday, China issued a warning about what military conflict in the Middle East could do to “the global economy”…

    “Military action would have a negative impact on the global economy, especially on the oil price – it will cause a hike in the oil price.”

    And according to Debka, China has also deployed “a number of warships” to the region…

    Western naval sources reported Friday that a Chinese landing craft, the Jinggangshan, with a 1,000-strong marine battalion had reached the Red Sea en route for the Mediterranean off Syria. According to DEBKAfile, Beijing has already deployed a number of warships opposite Syria in secret. If the latest report is confirmed, this will be the largest Chinese deployment in the Middle East in its naval history.

    If the U.S. attacks Syria, Russia and China probably will not take immediate military action against us.

    But they could choose to hit us where it really hurts.

    According to the U.S. Treasury, foreigners now hold approximately 5.6 trillion dollars of our debt. Over the past couple of decades, the proportion of our debt owned by foreigners has grown tremendously, and today we very heavily depend on nations such as China to buy our debt.

    At this point, China owns approximately 1.275 trillion dollars of our debt, and Russia owns approximately 138 billion dollars of our debt.

    So what would happen if China, Russia and other foreign buyers of our debt all of a sudden quit purchasing our debt and instead started dumping the debt that they already own back on to the market?

    In a word, it would be disastrous.

    As I have written about previously, the U.S. government will borrow about 4 trillion dollars this year.

  108. Shelly, in a similar vein here in FL, HB 87 rubber stamps and seals shut (not in true lawful fashion of course) the finalized false foreclosure. Even if fraud is PROVEN at a later point in time, YOU CANNOT get your home back. If I steal your car, and it is found, it is returned to you. If I steal a valuable painting, same thing. But when I steal your home, too bad, you may sue for damages (probably from a company long out of business.) So sorry we accidentally stole your house, oops, but the judge OK’d it, so too bad, go sue someone……… really has become lawless and it is only a matter of time before the sheeple in this country wake up. When that happens, the $h!t will hit the fan and it will not be pretty in this country.

  109. the rule of nemo dat
    you have to own something to give it away

  110. The ANTI-GLASKI – Unpublished Appellate decision with same arguments as Glaski and different result.

    “In their briefs on appeal, appellants attempt to sidestep the standing issue by asserting that they “are not suing to attack or enforce the PSA, or to attack the securitization of their mortgage.” Rather, appellants claim that the failed securitization is simply “evidence” that respondents never received legal title to their mortgage. This is essentially the same argument. Regardless of how framed or labeled all of their claims depend on the same contention – the mortgage was improperly securitized under the PSA. As nearly every court addressing this issue in a published opinion has recognized, borrowers who are not a party to, or a third party beneficiary of, the PSA lack standing to allege a failed transfer due to improper securitization. (Junger v. Bank of America N.A., supra, 2012 WL 603262, at *3; see also Rodenhurst v. Bank of America (D. Hawaii 2011) 773 F.Supp.2d 866, 899 [“The overwhelming authority does not support a cause of action based upon improper securitization”].) As far as appellants’ causes of action rely on the allegation that respondents violated the terms of the PSA, the trial court properly sustained respondents’ demurrer on the ground that appellants lack standing to challenge the securitization of their mortgage.”

  111. “Finally, the City, through its Complaint…………singles the Bank out in an attempt to require it individually to expend significant sums to care for properties in which it has no ownership, responsibility or control over. ”

    Sure, but only right after it has either allowed the use of a credit bid or assigned the credit bid to someone else to acquire the real property. But I think that’s factually correct since the trust may not own real property or exchange one asset for another type post cut-off if ever. There is no way to enforce the loan owned by a trust without bifurcating the note and dot and treating the dot as a separate and separately enforceable contract – enter MERS, the nominee (and not agent).

  112. The People of the State of California v U S Bank NA as Trustee
    (for a zillion identified trusts) 12-7567 DC CA CD – now remanded back to state court
    This is in a US Bank pleading in the DC and cracks me up:

    “In addition, the City’s essential reinterpretation of the contractual and legal rights and duties of the Bank individually and the Bank as Trustee, which contradicts established contractual provisions and longstanding case law, subjects the Bank and Trustee to duties and liabilities that could not have been foreseen at the time the Bank became Trustee under the pooling and servicing agreements and violates the Bank’s due process rights under the U.S. Constitution.”

    Do they really want to talk about what couldn’t have been reasonably foreseen and violation of due process rights? But since U S Bank brings it up, it obviously recognizes this as a defense to a contract (your honor).

  113. Yes Every single senator in Washington State approved Senate Bill 1435 that allows the title company to send a request to the alleged owner and if they don’t reply within 120days the title company can reconvey without authentic note and real parties of interest. HOW CORRUPT IS THAT? Senator Roger Goodman admitted on video the banks don’t know who owns the loans, then had the video erased, then Stuart Hulsman tells the senate they need to vote in SB 1435 or they will never be able to sell their property. Now if they don’t know who owns the note who are they going to send this letter to and that gives them notice to claim the ownership of the note? Send a letter to mars or in the news paper? They are enabling stolen property to be sold without authentic notes and real parties of interest. Outrageously frustrating and maddening

  114. “Wilmington Trust Standing Motion. On April 19, 2013, Wilmington Trust, National Association, solely in its capacity as Indenture Trustee for the Senior Unsecured Notes (“Wilmington Trust”) filed a motion (the “Wilmington Trust Standing Motion”) seeking
    authority to prosecute claims and other causes of action on behalf of the ResCap Estate [Docket
    No. 3475]. In particular, Wilmington Trust sought permission to file a complaint to pursue certain Estate claims and claims that Wilmington Trust alleged were third party claims, including constructive and actual fraudulent transfers, in coordination with the Creditors’ Committee’s efforts to prosecute Estate claims. On May 6, 2013, the Debtors filed a limited objection to the Wilmington Trust Standing Motion [Docket No. 3598]. The Wilmington Trust Standing Motion has not yet been heard by the Bankruptcy Court.”

    Is your secn trust trustee really the trustee for that trust? How do you know?
    Generally, the change of trustee must be filed using the 8 – k form. This particular trustee was made the indenture trustee as indictated above by the BK Ct in ResCap’s ongoing bankruptcy. Anyone with an RFC loan or one from any ALLY co. might take some time to look into this bk. There is a large pi&&ing match over the amt of insurance proceeds due from Financial Guarantee Insurance Co. and how much the MBS investors are going to get. Here’s the “witness statement” of FGIC’s ceo from 07/31/13.

  115. ” allowing reconveyence without authentic title “.

    No one has authentic title to convey but someone can actually re-convey without an authentic title? How in the ..?

    Sounds like no one owns anything. How and anyone convey nothing and have it be something. This is not like the creation of the universe, in the beginning there was something, there was possibility, there was conscience, and in a second all things were created at the same time, but creation did not come from ‘nothing’.

    No man can do more than what creation has done.

    No man can own nothing and reconvey it without having anything to convey and make it authentic.

    That’s against conscience.
    Where all things are possible, some things are still unconscionable.

    Trespass Unwanted, Creator, Corporeal, Life, People, Free, Independent, State, In Jure Proprio, Jure Divino

  116. Not Finland. I meant Iceland…

  117. Poland Confiscates Half Of Private Pension Funds To Cut Sovereign Debt Load

    Poland Confiscates Half Of Private Pension Funds To Cut Sovereign Debt Load

    Submitted by Tyler Durden on 09/06/2013 14:50 -0400

    While the world was glued to the developments in the Mediterranean in the past week, Poland took a page straight out of Rahm Emanuel’s playbook and in order to not let a crisis go to waste, announced quietly that it would transfer to the state – i.e., confiscate – the bulk of assets owned by the country’s private pension funds (many of them owned by such foreign firms as PIMCO parent Allianz, AXA, Generali, ING and Aviva), without offering any compensation. In effect, the state just nationalized roughly half of the private sector pension fund assets, although it had a more politically correct name for it: pension overhaul.

    By way of background, Poland has a hybrid pension system: as Reuters explains, mandatory contributions are made into both the state pension vehicle, known as ZUS, and the private funds, which are collectively known by the Polish acronym OFE. Bonds make up roughly half the private funds’ portfolios, with the rest company stocks.

    And while a change to state-pension funds was long awaited – an overhaul if you will – nobody expected that this would entail a literal pillage of private sector assets.

    On Wednesday, Prime Minister Donald Tusk said private funds within the state-guaranteed system would have their bond holdings transferred to a state pension vehicle, but keep their equity holdings. The funds would effectively be left with only the equities portions of their assets, even this would be depleted, and there will be uncertainty about the number of new savers joining.

    But why is Poland engaging in behavior that will ultimately be disastrous to future capital allocation in non-public pension funds (the type that can at least on paper generate some returns as opposed to “public” funds which are guaranteed to lose)? After all, this is a last ditch step which no rational person would engage in unless there were no other option. Simple: there were no other option, and the driver is the same reason the world everywhere else is broke too – too much debt.

    By shifting some assets from the private funds into ZUS, the government can book those assets on the state balance sheet to offset public debt, giving it more scope to borrow and spend. Finance Minister Jacek Rostowski said the changes will reduce public debt by about eight percent of GDP. This in turn, he said, would allow the lowering of two thresholds that deter the government from allowing debt to raise over 50 percent, and then 55 percent, of GDP. Public debt last year stood at 52.7 percent of GDP, according to the government’s own calculations.

    [Click the link to read more. Or just go throw up in anticipation of what our circus is preparing here. Greece. Cyprus. Spain… Didn’t Finland and Ireland end up doing something similar too? Coming soon to a theater near you…]

  118. I have a copy of a testimony from the attorney representing Washington State Title Association , stating to the Senators during a senate meeting on video also “if you expect to reconvey title with authentic notes, none of you (the senators) WILL EVER BE ABLE TO SELL YOUR HOUSES, YOU JUST WONT” The video of the senate meeting is on paper transcript with a declaration by the transcriber. Attorney Stuart Hulsman does not say perhaps or some of you , he absolutely tells all of them without question their mortgages or what bank they have their loans with, that none of them will ever beable to sell their houses, they just wont. Pretty telling. So if absolutely every house in Washington state is unsellable without passing BS bill SB 1435 allowing reconveyence without authentic title then there must be zero houses in all the other states that have authentic title. How would this just be Washington state.? You are welcome to a copy of this transcript by email. Just let me know and I will give you my email if you don’t have it.

  119. The enablers will not be able to take their greed gotten gold and siver with them. They will meet GOD with bare hands.

  120. Laughing out loud.
    People with no legal experience are to educate a judge who knows the law and legal words and terms in order to keep their ‘right to property’ from illegal and unlawful seizure because they were pulled into a court under a false claim of a loss of right or injury.

    That doesn’t make sense and that’s why I’m laughing out loud.

    Judges know. They aren’t stupid. They had immunity until the Pope reminded them they didn’t.

    Their signature is already on the docs that violate the property of the Vatican and the jurisdiction thereof. They are judged by their works, their deeds as they settle invalid deeds in the name of the ‘undead’.

    Banks, servicers, and the like are fictional persons, they are not real people, they do not breathe, think, speak, walk, nor live, but they are animated or brought to life by the real people who represent them and the real judges who rule in their favor over what is really alive, breathing, thinking, speaking, and has the soul of the Creator within.

    We are not mindless clones created out of to electrical sparks, there is divinity is us. We generate energy from the things around us. We are more alive than any ‘corporate body’ with no soul, no light body, no creative source other than the mere man who thought up the name and created it in a filing in a court house document.

    Judges are not stupid when it comes to the law, but something different may be said with it comes to matters of the soul.

    This tribulation is for them too. Ours is over, theirs is yet to begin.

    Trespass Unwanted, Creator, Corporeal, Life, People, Free, Independent, State, in Jure Proprio, Jure Divino

  121. johngault,
    The call had an i with a circle on it for information. In it was a link to his documents.

    Trespass Unwanted

  122. I guess it is very clear that the title companies were complicit in this nightmare and now do not want to give the same level of title insurance as they used to when purchasing a house.

  123. OK, but when this all does get to be “common knowledge” – what then? What about now? – This is common knowledge to some of us, and indeed, the goal is to have this knowledge dawn upon the Judges. When this happens- it is just unfathomable that there will be underlying justice as a remedy. WHAT is they remedy? Most obviously, modifications will be sought after to benefit the homeowner and servicer- with the ‘common knowledge’ as it is currently- there was a deal made, a contract. Even if there IS no real DEBT- there was a deal = pay money, get a house, that was that.Just because the money is going to the wrong party does not mean is should not be paid. – I am almost confusing myself here- There was debt, if it was not credit funny money, it was paid already via investors, it was pocketed by banksters etc. – Does anyone think Judges will up and demand all this fraud to be made right? For all that have been wronged? You have your triumph’s here and there but all in all if Elizabeth Warren herself brought this to the robes and it WAS proved that all these millions of homeowners were dragged through the coals in this devious scheme….will there be a Victory? Will it be ordered by the court the people shall have their own TARP! Shall there be a sweet, sweet day when……………..anything happens? We indeed are slowly seeing the blinds peeled back but what is happening is no change, what is happening is no Justice but what is merely seed sized in this giant bad apple. – Granted seeds grow. What about the people now that have fell victim? No doubt there are families as I type in salvation army’s, living in cars – battling the fight- the ones who have received a few hundred bucks for their ‘troubles’ the banks have caused. Meanwhile- the apple rots away, and more grow.
    Have you wondered when the day will come when someone with power stands and says “Enough!” ……..I mean dingis here did a GREAT job helping the people, right? Sure, our awesome presidentalingious – sure changed shit huh!?
    Common now; THIS IS COMMON KNOWLEDGE already – for the people who CAN do something, with the power- they know. Tomm dick and Harry might not, but the Judges – they know. What can they do – That’s one hell of a big pickle if you ask me. I would not want to be in the Judges shoes. Open the door to thousands and thousands of people claiming “fraud! free house! I have the right sticks! Fire Fire!” You can imagine. Where we are right now, as a country!?! Some wondering if we will enter WW3- you think anyone gives a damn about some loan being sold around? – (we do) Kills me over here. Any takers – we have any volunteers to pull a “V for vendetta” ? GAME ON. Besides that when every tom dick and harry does know this- What are they going to do? What will happen? When the Judges are fully educated, understand fully, -(most ARE) do you think they will put things in reverse?Do you think they are ready for that stampede? The banks will walk away house less, paying their own court costs, and the homeowner keep their house? Do you think? One after another, thousands by thousands when all the account numbers revealed in those pools are ‘free to go’.

  124. For that matter rubbing two plastic fake sticks will not start a fire either, again, well said Neil!!

    Posted on September 5, 2013

    “The recent lawsuits filed in the SUPREME COURT OF THE STATE OF NEW YORK, COUNTY OF NEW YORK are the beginning of a long process unraveling the frauds created by a generation of “Younger Boomers” and “Now Generation” Wall Street bankster executives that expected immediate gratification.

    These smart-asses didn’t take the time to ensure all the pieces to the puzzle fit before they began their filthy rich land grab operation, causing a lot of damage and red ink to America and the rest of the world. Their failures are your insurance to defeat foreclosure once you understand what is missing.”

    A bit long but uplifting.

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