IF YOU ARE OR HAVE BEEN A VICTIM OF “FRAUDCLOSURE” HELP IS HERE. Was your home foreclosed illegally? Did the Courts give you a fair opportunity to state the merits of your case? Did the Mortgage Company give you a “runaround” while you were trying to get a loan modification? Was your Mortgage Foreclosure part of a Trust, Asset-Backed Certificates or a Pooling Agreement? Was Mortgage Electronic Registration, Inc. ( MERS) involved in your foreclosure...

THE ROOT OF FORECLOSURE DEFENSE The Pooling and Servicing Agreement (PSA) is the document that actually creates a residential mortgage backed securitized trust and establishes the obligations and authority of the Master Servicer and the Primary Servicer. The PSA is the heart and root of all securitized based foreclosure action defenses.  The PSA establishes that mandatory rules and procedures for the sales and transfers of the mortgages and mortgage notes from...

The state of Florida had created a special super-high-speed housing court with a specific mandate to rubber-stamp the legally dicey foreclosures by corporate mortgage pushers like Deutsche Bank and JP Morgan Chase. This “rocket docket,” as it is called, is presided over by retired judges, not elected or appointed, who seem to have no clue about the insanely complex financial instruments they are ruling on — securitized mortgages and laby­rinthine...

MERS, a creation of the mortgage banking industry, has effectively destroyed the institution of private property in America. Ironically, MERS was created to facilitate quick and easy and cheap securitization of mortgages — what are called mortgage-backed securities. In fact, what it did was to eliminate any backing of the securities by mortgages. Of the total securitized asset universe, $7 trillion are (supposedly) backed by residential mortgages. That would...

COMPLETE GUIDE TO ROBO-SIGNERS FORECLOSURE SELF-DEFENSE COMPLETE GUIDE TO ROBO-SIGNERS * * IF YOU HAVE A PROBLEM LOCATING THE NAME/INFO YOU WANT-SEND US AN EMAIL (AT BOTTOM OF ARTICLE) AND WE WILL ASSIST What is a robo-signer? Robo-signers are mortgage lending company employees who prepared and signed off on foreclosures without reviewing them, as the law requires. Jeffrey Stephan, the GMAC employee who was the first identified as a robo-signer, has...

CODE OF JUDICIAL CONDUCT FOR THE STATE OF FLORIDA If you should have the need to report the judicial misconduct of a Florida judge or the misconduct of a judicial officer that may not be a judge, the Code of Judicial Conduct would apply.  Such complaints are filed with the Judicial Qualifications Commission in Tallahassee, Florida, at the address below.   If the offensive conduct is of a criminal nature, you must file a complaint with the State Attorney’s...

Last year’s robo-signing scandals delayed tens of thousands of foreclosures in the 23 states where the process is handled in court. A new controversy could complicate foreclosures in the other 27 states. FOR LIST OF ROBO SIGNERS SEE: http://takeyourhomeback.com/?p=428 At issue is the notice of default, the first letter that a mortgage lender or servicer sends to a homeowner who has fallen behind on payments. The notice typically starts the formal foreclosure...