I Have Good News - And That Will Bring On Some Changes In How I Think We Can Win

 

When I was younger, so much younger than today, I never needed anybody's help in any way. 

But now these days are gone, I'm not so self-assured, 

Now I find, I've changed my mind, and opened up the doors.

                                                                                The Beatles

I have been doing this for 14 years.  I have never met another borrower who had lost more than I have.  Not just money, I have lost the most I have heard about and worked with, but I have lost so much family, friends and my own youth.

Last June, I realized I had gotten old fighting something so big that it made no sense to think it was winnable.

But, maybe it is.  I have just done something so remarkable, that I haven't said much to anyone.

By 2012, I knew what we had to do and I knew why it would work.  But, I couldn't solve the end.  Napolean's "Ta Dum."

I have taken 6 straight Borrower's to a win.  That is not anything I ever even thought about.  It seems really odd to say it now.  It wasn't dramatic.  They all happened just as they should.  It changes everything.

I had not done anything with any Borrowers for 3 years.  I was absolutely exhausted.

Then recently, it hit me that I knew what to do and I was just holding back because I thought that if it was just another almost right idea, I might go crazy.  I have had a YouTube Channel for more than ten years.  It never did anything and this website outperformed it many, many times over.  

But, I was ready to change the last piece of the puzzle and I was looking for where it would work best.  I made four quick videos and placed them on my YouTube Channel with 18 older ones.  YouTube had changed.  It works.  I got the 6 clients in one week and they all looked like they would work.  131 days later they all were quiet wins.  No marching bands, no confetti in the streets,  No huge balloon characters held down by 20 people with ropes.  It went just like all of us thought it should.

It could still be some unearthly quirk.  Luck.  Dumb luck.  I don't think so, though.  It was just so logical.

I am going after my properties now.  I am rejuvenated.  Not hysterically so.  Just ready.

None of the six have been able to pay me even what little I asked for.  I am not upset about that.  They just wanted so badly to not lose their home.  I am upset that so many of us have fought it so long that no one can afford what this can be done for today.  It is going to be much less expensive than what so many of us have spent.

I have always wanted to put a big group together and use it to raise money so everyone has a chance.  None of my early ideas worked.  I have always thought it was going to take a monstrous journalist or movie star to shine a spotlight on the problem.

I have adapted there now, also.  I know how to do it.

I want to use YouTubes new ideas and add Patreon and Telegram and raise the money with the 30 million Americans who lost their homes.  I am starting today.  I am wrapping up the last of the six and I took on one other that could not pay, but there were some great things I could learn from it.  I'll let all of you know if I am right.  Intellectually I am sure.  

But, emotionally I am waiting for the other shoe to drop.  I don't feel it yet.  But, in ways it is better to know it than feel it.

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The Term "Void" Is Often Used In Contrast To "Voidable" And "Unenforceable". The Main Difference Is That An Action That Is Voidable Remains Valid Until It Is Avoided.

“I was playing for time. Just for time. I played the wrong way, of course.”

Raymond Chandler

"Here cum da Judge"

   by Danny Hammond of the 3/4 Court Press.

  

Surely no one can truly believe that it is the Borrowers that come up with these bizarre scenarios? 

My sister uh, Mary, is an attorney, who is probably the smartest person I have ever known, was home this weekend and I asked about maybe we should be objecting to the new judge in this case who has oddly not committed a crime yet, and he was going to take over to provide cover for the original judge who had committed all of the crimes by removing the case to Federal Court.  That is like stealing 3rd base from 1st base.  No one would do that.  The Constitution is perfectly clear.  Not on stealing 3rd, but removing a VOID case to Federal court.  You can't do that.  

Although, if he says one more sentence, we are gonna pounce hard on him and make him the defendant, not as a judge but as himself, and make it stick.  

Mary came up with a Motion For Reconsideration, which startled me because I had actually begun to believe that was a term I made up, because I never had a judge comment on it, even though I tried it over 7 and a half billion times while helping Borrowers understand courts and such.

I told her that I just didn't see how you could remove VOID.  It is unthinkable.  Void cannot be arranged.  It is nothingness.  It never was.  It can never even be.

She kind of agreed.  But, neither of us could explain that notion in "earth terms". 

(You see, most attorneys don't ever deal with law all that much.  Except sewer court rat attorneys like ambulance chasers and Borrower representation in foreclosure).  Once again, I must speak up.

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From The Comments That I Am Getting, I Think I Am Concentrating Too Much On What Is True, But Not Explaining What is False. So, Here Goes

 

And the men who hold high places,  Must be the ones to Start, To mold a new reality, Closer to the Heart.

The Blacksmith and the Artist, Reflect it in their art, and Forge their creativity, Closer to the Heart.

Philosophers and Ploughmen, Each must know his part & Sow a new Mentality, Closer to the Heart.

You can be the Captain and I will draw the Chart, Sailing into destiny, Closer to the Heart.

Closer to the Heart. 

                                                                                                                                Rock Band "Rush"

I am getting an increasing number of pleas for me to help people who think they are in the middle of a Modification of their loan.  I thought we were done with that in 2012.

Modifications usually start with a 3 month "trial" to see if you can now pay on time.  Everyone that calls me passed this part according to the rules given to them.  Pay 3 month on time.

Then the wickedness sets in.  All sorts of "reasons" begin to be received by the Borrower regarding why their trial failed.  Most are absurd.  The Borrower did not respond in the right amount of time.  The Borrower used the wrong means of notification to the (usually the Servicer), whatever that means at that moment.

So, I will try to explain how and why a modification of your loan was supposed to be done when you got behind and just wanted to do the right thing to catch up.

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The U.S. Department Of Treasury is tasked with the oversight of the HOME AFFORDABLE MODIFICATION ACT (HAMP) It was a very good law as written, but the Treasury left it up to the Lender or Servicer to administrate it.

Home Affordable Modification Program (HAMP)

The largest program within MHA is the Home Affordable Modification Program (HAMP). HAMP’s goal

is to offer homeowners who are at risk of foreclosure reduced monthly mortgage payments that are 

affordable and sustainable over the long-term.

HAMP was designed to help families who are struggling to remain in their homes and show:

• Documented financial hardship.
• An ability to make their monthly mortgage payments after a modification.

HAMP is a voluntary program that supports servicers’ efforts to modify mortgages, while

protecting taxpayers’ interests. To protect taxpayers, MHA housing initiatives have pay‐for‐

success incentives. This means that funds are spent only when transactions are completed

and only as long as those contracts remain in place. Therefore, funds will be disbursed over

many years.

Starting in the summer of 2012, the scope of the program will expand to help even more

families in need.

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HAMP works by encouraging participating mortgage servicers to modify mortgages so

struggling homeowners can have lower monthly payments and avoid foreclosure. It has

specific eligibility requirements for homeowners and includes strict guidelines for servicers.

The program includes incentives for homeowners, servicers, and investors to encourage

successful mortgage modifications.

Families in this program typically reduce their monthly payments by a median of more than 

$530 each month. But the program’s impact goes even further. HAMP has also encouraged

private lenders to modify mortgages at no expense to taxpayers.

When the housing crisis began, the mortgage industry was ill-equipped to respond adequately.

Mortgage servicers had insufficient resources to address the needs of a market that was

reeling from increasing foreclosures. In addition, their servicing expertise and infrastructure

was limited to overseeing collections and foreclosing on those who failed to pay. They did not 

have the systems, staffing, operational capacity, or incentives to engage with homeowners on 

a large scale and offer meaningful relief from unaffordable mortgages.

Before HAMP, there was no standard approach among loan servicers or investors about how

to help homeowners who wanted to keep making payments, but needed mortgage assistance.

By setting standards for what constitutes a sustainable modification across the mortgage 

industry, HAMP has helped to make private loan modifications more affordable for

homeowners. 

In fact, thanks in part to HAMP, the proportion of private loan modifications 

that reduce monthly payments for homeowners has more than doubled. Together, public and

private efforts have helped nearly 5 million Americans get mortgage assistance to prevent

avoidable foreclosures.

MHA includes comprehensive compliance reviews to ensure that servicers fairly evaluate

homeowners for assistance and follow program guidelines. Treasury requires participating

servicers to take specific actions to improve their servicing processes to more effectively assist 

struggling homeowners. While more progress needs to be made, servicers are focusing

attention on the areas identified through regular compliance and program reviews.

Note: If you are a homeowner seeking help with your mortgage, please visit Making Home

Affordable.

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Accounting Of The Foreclosure Sale Proceeds, Credit Bid and; Deficiencey Or Surplus Due To The Borrower

“Court business is a hell of a problem. It’s a good deal like politics. It asks for the highest type of men and women, and there’s nothing in it to attract the highest type of men and women. So we have to work with what we get...”
                                     Paraphrasing of ― Raymond Chandler, The Lady in the Lake

WATCH THIS VIDEO IT IS IMPORTANT

@mtgfrd  On YouTube Search

or search for - "Danny Hammond foreclosure" You will find it.

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What Is Up With The Judges In Wrongful Foreclosure Cases?" This Is Another Post Inspired By My Good Friend Tom Kibler. He Knows More About Statute and Case Law Than Anyone. He Copied Me An Email He Had Sent To A Large Number Of People. Since 2010 Everyone Has Been Searching For The Statute Or Case Law "Silver Bullet'".

 "Venal and evil men are destroying the world you were born in. It's us against them, my good friend. Don't compromise your principle  or abandon your cause." 

                                                                                             

                                                                                                 Major General John Bell Hood CSA

     Article by Danny Hammond

       of the 3/4 Court Press

The laws for land ownership have not changed appreciably for two hundred years.  All the laws you find, we found 10 to 12 years ago.  For the most part they are very good and fair and if you are getting swindled IT IS BECAUSE a judge is working to derail you.

We all presented these laws to judges over and over and over.  It got to the point that we joked about the fact that all of the judges at all levels of judiciary in the United States attended a "crooked judge" convention in Las Vegas every two years to figure out their new strategy for siding with attorneys to swindle borrowers being wrongfully foreclosed.

Of course, that is not it.

Judges are all attorneys who got to be judges by attending clubs, and cocktail parties of important people, old judges and political parties. Most of them probably have not learned anything new since they graduated from law school.  I know I am an idiot, but I am convinced that I can pass the Missouri Bar without studying at any time I choose.  Idiot or not, I believe that.    Read More

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As You Review This Website Regarding Foreclosure, You Are Going To Find That My Bias Is Moving Further Away From The Search For The "Silver Bullet" Statute Or Case Law Answers You Seek

"I decided I could lose nothing by trying the soft approach.  If that didn't produce for me—and I didn't think it would—nature could take its course and we could bust up the furniture.”                                  

                               Phillip Marlowe character from Raymond Chandler's – "The Lady In The Lake"

 

      

by Danny Hammond of The 3/4 Court Press

This is not because the laws of nearly 238 years of our judiciary's history are gone. They are there and remarkably very well reasoned and written.  The problem has to do with a question I have with the present day courts veering away without apparantly noticing when we use them in Borrower foreclosure cases without mentioning or discussing them.  If it is not intentional then they are stupid and if it is intentional they have broken the only laws that you have a right to sue them for.

The Question is this:  Is a law, a law, when it is not enforced?

It isn't the attorneys getting away with total lack of use of law or breaking the law.  It is not the Servicers.  They wouldn't do it if they lost all the time and even went to jail, which is what they are so close to, but it never happens.

They couldn't do it unless, someone let them. 
I say you are going to have to look somewhere else, if you want to keep your house.

READ MORE         "Do you think you have a problem, but want a review?

I am going to inactivate this website for maintenance.  It needs some tuning up and changes after 14 years. We are going to need it for my plan to form an association of Borrowers to raise money to help as many  as we can.

I will leave messages here.  But, check out the recently upgraded YouTube Channel @mtgfrd or search "Danny Hammond Foreclosure that should get you in.  Leave comments.  And if you think I am on the right track, then like all the good ones say, "Subscribe, join, and hit the like button. It doesn't cost anything, but if enough of us join in it could make money.  We don't need as much as we used to.  It can be done with a small staff.  I have now seen it.

If you get a chance try the YouTube Channel all you put in search is "  @mtgfrd  "  If that doesn't work you can search "Danny Hammond Foreclosure"  I think that will take you right there.

More informatrion here tomorrow.   You can email me at   mtgfrd.info@gmail.com

The Constitutional, Irreducible, Minimum Requirements for Standing

MORTGAGE FRAUD PRO SE PRIMER 101 #4:  THE CONSTITUTIONAL IRREDUCIBLE MINIMUM REQUIREMENTS FOR STANDING AS DEFINED BY THE UNITED STATES SUPREME COURT

“Truth is stranger than fiction, but it is because Fiction is obliged to stick to possibilities. Truth isn’t.”

                                         Mark Twain

Actually, it is Strange, That Is Truther Than Fiction.

Danny Hammond

If you walk into a 2nd grade elementary school class room and see that all of the boys are standing on their desks shaking their butts, laughing and shouting, and throwing things at the girls in the class, who respond by screaming and running, and then you notice that the 2nd grade teacher is setting at his desk doing nothing to stop the chaos, would you really blame, the children?

No, it is the teacher who is in charge of the room.  If the teacher does not enforce the rules of classroom behavior, then the children will act like wild monkeys.  How would they know not to? 

It is no different than the judge in the court case who is charged with controlling and enforcing correctness in information and procedure in a court case.  

If the judge does not enforce the constitution, which is all that keeps this country great; or If the judge does not make the attorneys prove their claims and/ or does not keep them from claiming transfers of ownership of essential Promissory Notes with assignments of incidental security instruments (mortgage or deed of trust) which do nothing but describe the collateral, then, of course the attorneys are going to forge and fake and lie, worse than wild monkeys. (Carpenter v Longan US Sup Ct 1872 from the Colorado Territory (except the monkey part)

Then lack of subject matter jurisdiction is the fault of the judge of the court.  He or she has wrongly put the burden of proof of standing on the borrower (very nearly every time), yet it is very clearly the burden of the court.  The court is allowing the Borrower to prove he was defrauded.  That is bizarre.  The very definition of fraud means it was hidden from the borrower.

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