You Can Also See Danny Hammond Speaking His Mind At "Deep Thoughts While Staring At A Wall"
Tuesday, March 4, 2025
I Used To Have A List Of All Of The Bad Guys I Have Dealt With In Support Of My Foreclosure Clients. I Did Not Find The Full List Yet. But, I Am Posting What I Did Find Here Today. I Don't Know Why.
Monday, February 3, 2025
LET'S ALL JUST TAKE THREE STEPS BACK FROM CRAZY! THAT IS RULE #1-- WHEN FIGHTING MORTGAGE FRAUD: Carpenter v Longan 1872; [Also On YouTube Channel] @mtgfrd
Heirs of a cold war, that's what we've become, Inheriting troubles, I'm mentally numb

The Supreme Court settled the matter of assigning a mortgage or deed of trust in 1872. You can't assign those instruments. The case is CARPENTER V LONGAN AND THE CASE IS IN THIS ARTICLE JUST BELOW.
Find out why any assignment of the security agreement is void. Keep reading.
IN THE 26 STATES THAT USE NON-JUDICIAL FORECLOSURE THE MORTGAGE IS CALLED A DEED OF TRUST. THE WORD MORTGAGE IS RARELY SPOKEN IN THESE STATES.
In Judicial foreclosure states, the assignment of the security instrument involves what is called a mortgage. A mortgage is not a home loan. It is merely the rule book concerning the collateral you put up to ensure that the bank will be paid back.
A mortgage has no value and the assignment of a mortgage does NOT transfer your home loan from one party to another. In the Non-Judicial States, the security instrument is called a Deed of Trust which serves the same purpose as a mortgage. There is no such thing as "the assignment of a mortgage or a deed of trust. The mortgage or deed of trust exists only as part of the loan agreement and it is incidental. The security instrument is known as the incidental instrument (there are no laws that require collateral for a loan at all.)
Your house is the usual collateral involving a home loan because that is where the loan money was spent. But, collateral could also consist of one thousand Schwinn bicycles in a warehouse. It is my strong personal belief that all (ALL) of the foreclosures in the United States from about the year 2000, or earlier, are based on the exact (EXACT) same lie. What is that lie?
CARPENTER V LONGAN (SUPREME COURT 1872) THE ENTIRE RULING IS NEXT
Sunday, February 2, 2025
US Bank, Its Trust Department, Or Its Meddling Henchmen Have Been Showing Up In 75% Of All Of Our Foreclosure Cases In The Last Few Years. Are They A Criminal Operation?
Yes, They Are a Criminal Organization.
In the battle to defend your home from wrongful foreclosure, homeowners often find themselves up against big names like U.S. Bank, Deutsche Bank, or Bank of New York Mellon. These “trustees” appear on foreclosure documents, often leading homeowners to believe these institutions are actively managing their loans and directly pulling the strings in the foreclosure process. But here’s the truth: *They’re not*.
We have been using a US Bank Trust Department marketing brochure for years that makes their role as a loan trustee or a mortgage-backed security trustee (the word trustee has many meaning in foreclosures. This confuses Borrowers and it is intentional. But, the marketing brochure put out by the US Bank Trust Department makes what "CAN'T HAPPEN" crystal clear. It’s like hearing from the horse’s mouth that the supposed power these trustees hold over your mortgage is largely a facade. This document exposes a shocking reality that many homeowners – and even their attorneys – don’t fully understand. Let’s break it down.
In U.S. Bank’s own words, as a trustee for Mortgage-Backed Securities (MBS), they perform a narrow set of duties:
– They hold an interest in mortgage loans for the benefit of investors.
– They collect payments from the servicer and distribute them to the investors.
– They do not initiate foreclosures.
– They do not manage or maintain properties in foreclosure.
– They do not approve loan modifications.
– They do not oversee or direct the actions of mortgage servicers.
So, what does this mean for homeowners fighting foreclosure? U.S. Bank's Trustees (and Trustees Like Them) Will Always Lack Standing to Foreclose. It is not the Borrower's burden to try to prove the foreclosure attempt is fraudulent. That is the terrible misunderstanding that all of us have been under since the very beginning.
The Borrower's only burden is to deny that they are in default with anyone trying to clollect money from them by foreclosing.
Saturday, December 28, 2024
THE FHFA IS A CONSERVATOR … NOT A RECEIVER, COURT RULES! THEREFORE FANNIE MAE AND FREDDIE MAC ARE "NOT" STATE ACTORS
"When they call the roll in the Senate, the Senators do not know whether to answer 'Present' or 'Not guilty.” Theodore Roosevelt
- What it does:
- The FHFA is an independent agency that regulates and supervises Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. The FHFA's mission is to promote a safer and stronger housing finance system in the United States.
- How it's funded:
- The FHFA is funded by a portion of the budgets of Fannie, Freddie, and the FHLBanks.
- Who leads it:
- The Honorable Sandra L. Thompson is the Director of the FHFA. She was sworn in on June 22, 2022.
- What it's responsible for:
- Ensuring the regulated entities operate in the public interest
- Addressing barriers to sustainable housing opportunities for underserved communities
- Overseeing the fulfillment of the statutory purposes of the regulated entities)
- Promoting the safety and soundness of the regulated entities
- Danny Hammond Version: The United States formed this entity to protect Fannie Mae (FNMA) and Freddie Mac (Federal Home Loan Mortgage Corporation (FHLMC)) from being sued by victims of their illeagal actions which facilitated millions of the fraudulent foreclosures.
- Fannie Mae foreclosed on $5 million worth of investment property that my wife and I had worked very hard on and and with earnings from other real estate projects we were able set the money aside to build these properties and we paid cash and had no loans.
- I am questioned often on how that can be true. Why do I think It is true? Because Fannie and Freddie which were not part of the government before the Obama administration took them over after their own internal fraudulent acts caused the spectacular failures of Fannie, Freddie, and Ginne, the Obama Administration made them part of the government (as state actors) and you can't sue the government. I have had a Federal Lawsuit against them since 2015.
- There are several recent court rulings that have determined that Fannie and Freddie are, in fact, not state actors.
Friday, November 15, 2024
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.
Wednesday, January 10, 2024
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'".
Thursday, August 10, 2023
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
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.
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.
Wednesday, May 10, 2023
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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