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.
Tuesday, November 26, 2024
I Have Good News - And That Will Bring On Some Changes In How I Think We Can Win
If you would like to have us evaluate your situation please fill out this form:
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.
Friday, October 4, 2024
If You Believe In Borrowers Getting A Modification To Protect Them From Foreclosure, I Have A Unicorn In My Basement I Might Be Willing To Sell
The strings are breakin' but you can't say no
You're runnin' with the devil and it's touch and go
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by Danny Hammond of the 3/4 Court Press |
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. Experences like telling the Borrower he did not pass the 3 months of payments, when he did.
Or the Borrower did not respond in the right amount of time.
Or the Borrower used the wrong means of notification to the (usually the Servicer), whatever that means at that moment. Or the Borrower used the wrong form, and the particularly nasty, your Servicer has changed and you must start over.
My client right now who we are about to file into state court, was told every one of these things above. She is stilled scared to death it is going to be a problem in the Lawsuit, or Petition as a lawsuit is called in Missouri. Read More
Saturday, August 31, 2024
Accounting Of The Foreclosure Sale Proceeds, Credit Bid and; Deficiencey Or Surplus Due To The Borrower
ACCOUNTING OF THE FORECLOSURE SALE PROCEEDS, CREDIT BID, AND; DEFICIENCY OR SURPLUS
If you would like to have us evaluate your situation free please fill out this form:
Friday, August 9, 2024
Learn From Me. I Made Fighting Foreclosure Too Hard. I Punched Myself Out Of Resolve, Money, And Clear Thought. You Can Make It Easier
Hello. I have been working on one my own foreclosures. One of the problems I have run into is that I have too much good info to use. I thought back.
Wednesday, June 19, 2024
The Crux of the Matter, The Thing itself, There is No Other THING, Because The Crux of The Matter, is That You Were Foreclosed On With The Assignment of Your Mortgage Or Deed of Trust.
This Is Not Possible in Law or Magic
"The secret of life is honesty and fair dealing. If you can fake that, you've got it made."
Groucho Marx
of the 3/4 Court Press
This was a strange evening. I woke up in my recliner at 6 pm, only I thought it was 6 am. So I got up and had some breakfast, found out what my Ukrainian friends had accomplished, and began to read emails then I noticed it was 7 pm and I didn't now know, if it was the day before or the day after. Then I realized that I was asking myseslf that question but I didn't know what I meant by after.
But, it was about to get weirder.
The very first email I opened generated the following response from me. It had to do with an affidavit by a "not so much" expert witness. It seems the Fake Foreclosing Party had lost the mortgage (or deed of trust depends on where you live, Reader). The expert witness was asking for a new mortgage so that it could be assigned (wtf?) because the real mortgage had been lost.
If you have read anything here and retained it, then you know that you can't lose a mortgage and that the assignment of your security instrument (mortgage, deed of trust, security deed etc.) simply cannot be done. That it is not even that kind of a document. READ MORE
Would you like a free review of your loan docs?
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'".
Friday, November 10, 2023
I Have Been Involuntarily Running All Of This Through My Head Every Day For Ten Years. Is There Any Hope? Yeah, I Think So, If More Of Us Work Together
You should never see an "Escalator Temporarily Out Of Order" sign;
just "Escalator Temporarily Stairs. Sorry for the convenience."
Tom Kibler & Danny Hammond & Mitch Hedberg
Everyone is a critic!
SEEN ON A REALLY BIG BUMPER STICKER:
I'm talking about the real owners now, the real owners, the big wealthy business interests that control things and make all the important decisions. Forget the politicians.
Monday, November 6, 2023
It Doesn't Matter When You Demand A Jury Trial. The Judgment Was Void, But Not Because A Ruling By A Judge Made It Void. Void Had Already Happened, The Foreclosure Case Was Void"
Thursday, November 2, 2023
I Have Counseled Many Borrowers To Forget Finding The Silver Bullet. Now One Has Proved That is Not Necessarily True By Dropping Such A Bullet In My Lap After Visiiting The Website.
Wednesday, November 1, 2023
A Very Comprehensive Analysis of Article III Standing. Every Citizen Should Read Every Word. When Your Brain Begins To Spin Stop. Put It Away And Get Back To It Later
"I have complete faith in the continued absurdity of whatever's going on."
Lots of State Judges in lots of states mostly believe they are not bound by the Constitution. They think that is the end of the matter. However, if your state judge has ruled against you and Granted your home to the foreclosing party that could not pass the federal requirements of Standing Your judge has just violated you of your Constitutional Civil Rights. The rights given you in the 5th and 14th Amendments to the US Constitution. "Due Process" You can Challenge the Standing of the foreclosing party at ANY TIME.
After a miserable 10 years fighting ignorant judges, everything I write is based on your constitutional civil rights. That is the only law left for us. Stop believing that there is a magic statute. All of the old statutes are still very good. But, a question continually goes through my mind. The laws are fine. The laws are good. They have not been changed.
But you tell me. "Is a law a law, If it is not enforced?"
That is the problem that none of us expected to be "THE PROBLEM", but it is.
Would you like a free review of your loan and foreclosure documents?
Wednesday, October 4, 2023
America is Not The Greatest Country In The World. But, It Could Be.
Phillip Marlowe character from Raymond Chandler's – The Lady In The Lake
From: "Newsroom" The Popular HBO TV Series 1st Episode on 24 June 2012, HBO Starring Jeff Daniels as Will McAvoy the highest-rated television newscaster in the country.