One of the peculiar aspects of foreclosure litigation over the past two decades has been the overuse (by appellate courts) of instructions not to publish opinions that favor homeowners in litigation. So the homeowner wins in that case but other homeowners and their attorneys probably never hear about it. This means that another homeowner who is fighting with exact same parties on an identical claim can lose and even have the case affirmed per curium (all in agreement) even though the same court on the same facts decided exactly opposite in the other case.
People are noting this phenomenon and asking me what to do about it.
This is true and I think (opinion here, not established fact) it reveals the fear of the courts that if they undermine the securitization infrastructure they will be taking down the entire financial system and society with it. That threat of armageddon is both not corroborated by any evidence and completely untrue. Other than the threat itself (from Wall Street), there is no reason to believe it.
We have been through plenty of crashes where the securities brokerage firms went up in flames. We now have more than 7,000 community banks and credit unions and Savings and Loans all connected to the exact same EFT backbone in the exact same way as any of the big banks. If the big ones fail, it will hurt their shareholders and help competition in both commercial banking and investment banking. After the initial scare is over it will be like a smoke bomb.
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The far greater threat is the corrupt, illegal, and immoral effect that no-risk “lending” is having on the actual lending industry in which there is no competition because there is no lending — and asset prices that have been driven wildly into bubble land on the theory, always wrong so far, that market conditions can be maintained forever without reference to any intrinsic (generally accepted) value.
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This dovetails with my article on denial of access to representation of an attorney in court. By chilling any such access, challenges to illegal, unfair, and unconscionable lending practices go unchecked and produce brand new industries whose business plan depends upon moral hazard and getting away with it. And by total “coincidence” the bar associations, CFPB and FTC have chased away any lawyer that consistently wins in court for homeowners faced with illegal and fraudulent “foreclosure” claims that are entirely based upon forgery, false testimony and fabricated documents containing false information and false implications.
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The appellate courts generally conform to the following practice: they only rule for homeowners when they can’t avoid doing so. But when they do, they often refuse to publish it. My suggestion is that unpublished opinions favoring the homeowner should still be used. The fact that they are not published diminishes but does not entirely eliminate their persuasiveness. Also, a motion could be filed demanding that the court publish the opinion. If granted, this would make it more persuasive and even binding on courts in the circuit or district in which the opinion was rendered.
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Neil F Garfield, MBA, JD, 73, is a Florida licensed trial and appellate attorney since 1977. He has received multiple academic and achievement awards in business and law. He is a former investment banker, securities broker, securities analyst, and financial analyst.
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FORECLOSURE DEFENSE IS NOT SIMPLE. THERE IS NO GUARANTEE OF A FAVORABLE RESULT. THE FORECLOSURE MILLS WILL DO EVERYTHING POSSIBLE TO WEAR YOU DOWN AND UNDERMINE YOUR CONFIDENCE. ALL EVIDENCE SHOWS THAT NO MEANINGFUL SETTLEMENT OCCURS UNTIL THE 11TH HOUR OF LITIGATION.
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The point of no return was passed in 2011, when Obama/Biden entered bogus “Cease and Desist Orders” – which in fact were just a flash start for the most unprecedented thievery in the Courts.
Judges created a REAL crisis in the size of Armageddon, not some imaginary “fear” promoted by Wall Street Banks.
About 99% of all homes in America have fatally broken Titles; and millions of stolen in Court homes are resold thus its new “owners” are in possession of stolen property, no matter if this theft was approved by a Judge.
The Orders were signed about April 4 2011 and demanded to cease all unsound and unsafe foreclosures practices.
As soon as the ink dried on all orders – the entire Court system was FLOODED with illegal foreclosures based on forged documents (which exactly was prohibited by these fake “orders”
Of course judges knew about it. But they decided to help and since the backlog was so big and Wall Street banks wanted to steal homes fast, Courts started to call retired judges – just to sign illegal orders in favor of non-existing Plaintiffs.
In Florida some Judges like Perlman favorably approved for Wall Street Banks more than 700 cases in one day.
Florida Judges did not even allowed homeowners to speak – not a one word. Which is a clear deprivation of all civil rights.
Illinois, Georgia and many other States Judges criminally concealed or otherwise tempered with evidence – making sure that homes are awarded as gifts to Wall Street Banks.
Bear to repeat, all these practices were against the Law and violated Orders and bogus “Settlement” which allowed Obama to get his second term – and promote Wall Street Banks above the sky.
Now all these homes are illegally sold by realtors who had no idea who were their clients.
And most buyers also have “mortgages” on stolen from their neighbors homes – thus unsecured by any collateral.
Now judges need to lie even more because when defrauded owners will demand their stolen homes back – Judges need to create a very good looking reason why Fraud upon the Court is lawful.
If Judges followed law in 2011 – today American housing and lending market would not be a giant crime zone, as well as Courts.
Judges exempted themselves from FOIA requests, I tried in the past.
Just as they exempt themselves from other laws.
Like Big Banks, their common fund Federal Reserve and their branches DTC and Cede who own basically every publicly traded company in America as well as all money production.
Untouchable cover for untouchable.
HOW ABOUT A FOIA ON THE JUDGES RETIREMENT INVESTMENTS FOR A LITTLE MORE CONTROL?