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.
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:
Sunday, August 25, 2024
What If Your Wrongful Foreclosure Was Already Void, But You Were Unaware Of This Fact?
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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?
Thursday, May 30, 2024
THE DOJ IS NEVER GOING TO DO ANYTHING ABOUT THE MORTGAGE FRAUD BEHIND MILLIONS OF ILLEGAL FORECLOSURES Since 1999
(In hindsight many of those I visit with have learned that the ownership is of the debt the Note represents)
The information comes from case files unsealed on June 3, 2016, by Federal Judge Yvonne Gonzalez Rogers of the Northern District of California in the case of the United States v. Discovery Sales, Inc.
The case involves some 325 fraudulent loans originated by Discovery Sales, Inc. (DSI) between 2006 and 2008, many of which were then sold to Wells Fargo Bank and JPMorgan Chase to securitize.
Click on the badge above to READ MORE
Monday, January 8, 2024
MORTGAGE FRAUD: It Is A Straight Line! Your Entire Fraudulent Foreclosure Case Is Based On A Straight Line With No Gaps. But In Today's Corrupted System There Are Always Unexplainable Gaps.
"I have complete faith in the continued absurdity of whatever's going on."