Using Bank Deposits (depositors checking & savings accounts insured by taxpayers) JPMorgan Chase Lost $3.2 Billion Trading Stocks and Credit Derivatives in First Quarter: NEWS ON 07-13-2020 I HAVE BEEN TALKING ABOUT; WRITING ABOUT; MAKING VIDEOS ABOUT; THE FACT THERE ARE NO BANKING REGULATIONS IN THE US.... NOT SINCE 1999

THE SAME BANK HAS BEEN INVOLVED IN MILLIONS OF FRAUDULENT FORECLOSURES USING NON-EXISTENT PROMISSORY NOTES THEY CLAIM THEY INHERITED FROM WASHINGTON MUTUAL:  THE FDIC SAYS HUH-UH.

No man has a right to expect to succeed in life unless he understands his business,

and nobody can understand his business thoroughly unless he learns it by

personal application and experience.                                          

                                                                                                                                                

P. T. Barnum

WOULD YOU LIKE A FREE ASSESSMENT

OF YOUR FORECLOSURE CASE? 

FILL OUT THE FORM CLICK THIS LINE

by Danny Hammond

I don't think that hardly any American citizens are aware that the Democrat president Bill Clinton and a Republican Congress repealed a 66-year-old banking and finance act known as the Glass Steagall Banking Act of 1933.  This Act put together all of the research of the 1929 Wall Street Meltdown that sparked the great depression and wrote an act to prohibit ever happening again.  The Act did its job.  For 66 years there was no such event in the US.  The Act was repealed in full as an act of Deregulation of the banking and finance industry.  The president and the congress that repealed all relevant regulation of banking in 1999 put nothing back in its place.  Seven short years later Wall Street imploded triggering the Wall Street Meltdown of 2007-2008-2009 through today.  Frank Dodd was supposed to replace it, but both sides of congress had gutted it into a meaningless corpse by the time it was enacted.

There has been no meaningful regulation of finance since 1999, over twenty years.  If there are no regulations there is no need for regulators.  The only meaningful regulation coming out of Frank-Dodd was provided by the Consumer Finance Protection Bureau.  Donald Trump sent his evil little henchman Mick Mulvaney to render it useless in 2017.  It took him 3 days to send 100 million dollars in collected fines back to the banks that paid had voluntarily paid them.

Mick Mulvaney
Acting Director of the Consumer Financial Protection Bureau
In-office November 25, 2017 – December 11, 2018
President	Donald Trump
Deputy	Leandra English Brian Johnson (acting)

The CFPB has been around but has done nothing relevant since December of 2018.  If you have been wondering why the CFPB does not answer your pleadings for help, it is because there is no one there to read them.  This is what the word deregulation means in America in the 21st century.

The taxpayers propped up the "Too Big To Fail Banks" with 3 trillion dollars.  The revived banks have been on a relentless crime spree ever since.  Responsible for tens of millions of fraudulent foreclosures based on servicing lists and not Promissory Notes.

In the headline in the story below from Wall Street On Parade, the beginning of the headline says"Using Bank Deposits".  By this, they mean JPMorgan Chase used the money from the depositors checking and savings accounts to fund "risky investments".  Glass-Steagall does did not allow this.  However, there is no prohibition from doing this in NO regulation.  Nothing is prohibited.  This has not been fixed for twenty years.  Wake up depositors, JPMorgan Chase was using taxpayer insured (FDIC) checking and savings deposits to fund its risky investments.  These particular risky investments were in fact so risky they failed to the tune of 3.2 Billion bucks.  The taxpayers will just have to pay even more taxes to cover it.  Jamie Dimon is no better than a modern-day Al Capone.  CONTINUE READING

WOULD YOU LIKE A FREE ASSESSMENT

OF YOUR FORECLOSURE CASE? 

FILL OUT THE FORM CLICK THIS LINE

RELATED ARTICLES: by Danny Hammond

From "The Pro Se Series" by Danny Hammond: DEREGULATION-THE PROBLEMS WITH OUR INABILITY TO STOP MORTGAGE FRAUD INVOLVES WRONGDOING BY MANY PEOPLE, BUT JUST FOUR WORDS DEFINE THIS PROBLEM CAUSING RUNAWAY FORECLOSURE FRAUD-

 

PART 1: WHY DEREGULATION IS ONE OF THE TWO GREAT CAUSES OF 20 MILLION AMERICAN FAMILY HOMES BEING WRONGFULLY FORECLOSED ON SINCE 1999 AND WHY 10 MILLION RETIREES MAY NOT BE GETTING THE PENSIONS THAT THEY WERE PROMISED

Part 2: WHY DEREGULATION IS ONE OF THE TWO GREAT CAUSES OF 20 MILLION AMERICAN FAMILY HOMES BEING WRONGFULLY FORECLOSED ON SINCE 1999 AND WHY 10 MILLION RETIREES MAY NOT BE GETTING THE PENSIONS THAT THEY WERE PROMISED

PART 3: WHY DEREGULATION IS ONE OF THE TWO GREAT CAUSES OF 20 MILLION AMERICAN FAMILY HOMES BEING WRONGFULLY FORECLOSED ON SINCE 1999 AND WHY 10 MILLION RETIREES MAY NOT BE GETTING THE PENSIONS THAT THEY WERE PROMISED

U.S. FORECLOSURE LAWS BY STATE

U.S. FORECLOSURE LAWS BY STATE:

THE FORECLOSURE 99PROCESS VARIES SOMEWHAT FROM STATE TO STATE AND DEPENDS PRIMARILY ON WHETHER THE STATE USES MORTGAGES OR DEEDS OF TRUST FOR THE PURCHASE OF REAL PROPERTY.   GENERALLY, STATES THAT USE MORTGAGES CONDUCT

 JUDICIAL FORECLOSURES; STATES THAT USE DEEDS OF TRUST CON99DUCT NON-JUDICIAL

 FORECLOSURES. THE PRINCIPAL DIFFERENCE BETWEEN THE TWO IS THAT THE JUDICIAL 99999

PROCEDURE REQUIRES COURT ACTION ON A FORECLOSED HOME.

The below table represents our current knowledge of which states use mortgages (judicial) or deeds of trust (non-judicial) or both. The table also includes estimated foreclosure timelines for each state. Please check with your local county government to verify this information. 

Compare all state foreclosure timelines on this simple one-page chart and click on any state name to read about detailed foreclosure procedures for that state.

State         Judicial Non-Judicial Comment Process Period** Publish Sale** Redemption Period** Sale/NTS

Alabama •                        • Judicial rarely      49-74                21                            365                              Trustee

Alaska • • Judicial rarely 105 65 365* Trustee

Arizona • • Judicial rarely 90+ 41 30-180* Trustee

Arkansas • • Both                         70 30 365* Trustee

California • • Judicial rarely 117 21 365* Trustee

Colorado • • Judicial rarely 145 60 None Trustee

Connecticut •   Judicial only 62 NA Court Decides Court

Delaware •   Judicial only 170-210 60-90 None Sheriff

Florida •   Judicial only 135 NA None Court

Georgia • • Judicial rarely 37 32 None Trustee

Hawaii • • Both 220 60 None Trustee

Idaho • • Trustee Sale 150 45 365 Trustee

Illinois •   Judicial only 300 NA 90 Court

Indiana •   Judicial only 261 120 None Sheriff

Iowa • • Trustee Sale Voluntary 160 30 20 Sheriff

Kansas •   Judicial only 130 21 365 Sheriff

Kentucky •   Judicial only 147 NA 365 Court

Louisiana •   Judicial only 180 NA None Sheriff

Maine •   Judicial only 240 30 90 Court

Maryland •   Judicial only 46 30 Court Decides Court

Massachusetts •   Judicial only 75 41 None Court

Michigan   • Non-Judicial only 60 30 30-365 Sheriff

Minnesota • • Non-Judicial mostly 90-100 7 180 Sheriff

Mississippi • • Non-Judicial mostly 90 30 None Trustee

Missouri • • Non-Judicial mostly 60 10 365 Trustee

Montana • • Trustee Sale mostly 150 50 None Trustee

Nebraska •   Judicial only 142 NA None Sheriff

Nevada • • Trustee Sale mostly 116 80 None Trustee

New Hampshire   • Non-Judicial only 59 24 None Trustee

New Jersey •   Judicial only 270 NA 10 Sheriff

New Mexico •   Judicial only 180 NA 30-270 Court

New York •   Judicial only 445 NA None Court

North Carolina • • Non-Judicial mostly 110 25 None Sheriff

North Dakota •   Judicial only 150 NA 180-365 Sheriff

Ohio •   Judicial only 217 NA None Sheriff

Oklahoma • • Judicial mostly 186 NA None Sheriff

Oregon • • Trustee Sale mostly 150 30 180 Trustee

Pennsylvania •   Judicial only 270 NA None Sheriff

Rhode Island • •  Non-judicial mostly 62 21 None Trustee

South Carolina •   Judicial only 150 NA None Court

South Dakota • • Judicial mostly 150 23 30-365 Sheriff

Tennessee   •  Non-judicial only 40-45 20-25 730 Trustee

Texas • •  Non-Judicial mostly 27 NA None Trustee

Utah   • Non-Judicial Only 142 NA Court Decides Trustee

Vermont •   Judicial only 95 NA 180-365 Court

Virginia • • Trustee Sale mostly 45 14-28 None Trustee

Washington • • Trustee Sale mostly 135 90 None Trustee

Washington D.C.   • Trustee Sale only 47 18 None Trustee

West Virginia   • Trustee Sale only 60-90 30-60 None Trustee

Wisconsin • • Judicial mostly 290 NA 365 Sheriff

Wyoming • • Non-judicial mostly 60 25 90-365 Sheriff

 

* Judicial Foreclosures Only

** In days+

From "The Pro Se Series" by Danny Hammond: CREDIT BID & DISTRIBUTION OF THE HOME FORECLOSURE SALE PROCEEDS: I AM SURE THOSE TWO PHRASES ARE FAMILIAR TO ALL OF MY READERS. NOT?

CREDIT BID; DISTRIBUTION OF THE HOME SALE PROCEEDS: THE BIGGEST FRAUD IN FORECLOSURE FRAUD IS THE FRAUDULENT FORECLOSURE SALE!  WHY IS IT ONLY BOTHERING ME?

It ain't what you don't know that get's you into trouble, it's what you know for sure that just ain't so!"         -Mark Twain

by Danny Hammond of the 3/4 court press

 

Let's just go through some real quick statistics here.  In 1994 there were just 48 non-judicial foreclosures for the ENTIRE YEAR in Jackson County, Missouri (a large part of Kansas City, MO proper) It is probably about as average as a county can be.  It contains areas of urban, suburban, rural, and forest.  It is a good place for me to vet my own strategies.  But, every county, city, or town in America will most certainly have the same ratios of wrongful foreclosures which are easy to spot in every county recorder's office.

By 2001 there were 1,700.  By 2006 there were 7,200 Non-Judicial Foreclosures for Jackson County, Missouri. 

For the last four years, there has been an average of 300 Non-Judicial Foreclosures per month or an average of 3,600 Non-Judicial Foreclosures per year for the last eight years. 

That is 14,400 families displaced in one average county over four years and each and every one of these Non-Judicial Foreclosures was so fraudulent that it makes my eyes burn just to type this.

    
All of our country's courts are limited to having jurisdiction over disputes described as cases and controversies That means that two parties are arguing over their interests in the same subject matter.

 
In every foreclosure sale, I have ever read or heard about, the foreclosing party claims to have paid some amount of money for your home at a sale conducted by themselves and, in non-judicial foreclosure states, their personally substituted Trustee.  (26 states have these unconstitutional sales)   

Folks, It is a load of crap. They all are letting everyone believe it was a sure-fire honest deal. No, it wasn't. There is no way they had the legally obtained Promissory Note, or if it was Fannie Mae or JPMorgan or some other member of that ilk, there were probably two or three different versions of copies of your one and only Promissory Note filed into your court.

  
The judge can't help either party, but they do have to protect their own court.  The United States Constitution makes it the COURT's responsibility to see that the foreclosing party can prove it was even injured.  Injured means that they really LOST some money on your deal.

The courts are not doing this.  The judges not seeing this lack of Standing are either crooked, biased, or stupid.  Maybe all three.  But, it is their own hide that they should be protecting.

Do you want to visit to see if you think we can help?  Click this line

THE NAMED LENDER ON YOUR HOME LOAN PROMISSORY NOTE AND SECURITY INSTRUMENT IS BOGUS! ALL OF THE NAMED LENDERS ON ALL OF THE HOME LOANS ARE BOGUS!

"The Contest is never quite over, The field never quite ours."
                                                                                   Major General John Bell Hood CSA

By Danny Hammond

info.foreclosurefraudanswers@gmail.com

THE PARTIAL LIST OF SHAME

Deutsche Bank, Deutsch Bank National Trust Company as Trustee, Deutsche Bank Trust Company Americas as Trustee, US Bank N.A. as Trustee, Bank of New York "BONY" as

Trustee, SPS, LPS, Carrington, Wilmington, DEUTSCHE BANK TRUST COMPANY AMERICAS, DEUTSCHE BANK NATIONAL TRUST COMPANY, LITTON LOAN SERVICING (OR  SIMILAR NAMES), COUNTRYWIDE  HOME LOANS  (and many similar names now owned by Bank of America and NOW as BAC, ARGENT, EverBank, GREEN TREE, SPS, SLS,MORTGAGE CORPORATION,  AMERIQUEST, AMERICA'S WHOLESALE LENDERS (many similar names), FREEMONT MORTGAGE SECURITIES CORPORATION (Exact name of depositor as specified in its charter) OR  FREEMONT INVESTMENT & LOAN  (AND OTHER SIMILAR NAMES) (Exact name of the sponsor as specified in its charter), CITIMORTGAGE, HSBC MORTGAGE CORP, TAYLOR BEAN & WHITAKER MORTGAGE CORP, FREDDIE MAC, GINNIE MAE, FIRST MAGNUS, WACHOVIA MORTGAGE CORPORATION, BANK OF AMERICA, ADVANCE MORTGAGE CORPORATION, JP MORGAN CHASE, CHASE MORTGAGE CORPORATION (Monroe, Louisiana),  INDYMAC BANK FSB (federal savings bank) The United States Secretary of the Treasury Steve Mnuchin nominated by Comrade Trump bought this company and committed so many fraudulent foreclosures that he earned the well KNOWN NICKNAME "THE FORECLOSURE KING", PEOPLES BANK, SUNTRUST BANK, LITTON, FINANCE AMERICA LLC, INTERBAY FUNDING, LLC, PULASKI BANK, UNITED FIDELITY FUNDING CORPORATION, WORLD SAVINGS BANK, WELLS FARGO BANK N.A., (of course), GMAC MORTGAGE, LLC (multiple names intended to confuse), DHI MORTGAGE COMPANY LTD, CARRINGTON MORTGAGE LOAN TRUST, FRANKLIN BANK SSB, BANK OF AMERICA (of course), NEW CENTURY MORTGAGE (bankruptcy 2007), MORTGAGE ONE CORP, MORTGAGE LENDER'S NETWORK USA, INC., AEGIS FUNDING CORP, US BANK N.A., OCWEN, NATIONSTAR, PLANET MORTGAGE, SETERUS, ONE WEST, AND A BUNCH OF HEDGE FUNDS.

An easier list to look at is just below.  I wanted this to look like the mess it is.

The best known of the crooks are two of the Deutsche trustees.  Now, these companies don't belong to Deutsche Bank AWG from Berlin, Germany.  They just claim the name to confuse idiot judges who are arrogant enough to believe that they know anything about real estate law.
CONTINUE READING

Do You Want To Ask About Affordable Answers For Stopping Your Foreclosure? Click This Line

An Email Conversation That highlights The Problems Borrowers Are Having In Finding Real World Help In Stopping Wrongful Foreclosures And The Would Be Consultants Coaching Pro Se Who Are Suffering The Same Dilemma: We Are All Running Out Of Money And Personal Will To Go On

Return to Facebook

 by Danny Hammond & Cindy (not her real name)

DLH:  Oh come on Cindy, it cost me 10 years of my life, $300,000 in savings, my wife and family. I have lost over $9,000 a month in rental income, $500k in lost equity, and $100k in paying people for services that lost my home and wasted my time. I'm not going to do your deal for free. I have already told you what you are asking me now. If you didn't get it Cindy it's not because I'm smarter,  I have just seen it way more times than you.

Cindy:  I did not ask you to do my deal for free so I do not understand where you came up with that idea, however, you have left me with just a riddle. 

I have lost way too much going down rabbit holes with little explanation and promises of being the only one who could save my home and yet everyone failed me. I need to fully understand what you are saying/proposing, if not it is worthless because I will not be able to follow through.

I need to understand how your plan gets past res judicata, I need to understand how you will get me past being officially labeled a vexatious litigant. I don't mind paying a reasonable amount for help because I know I cannot do this alone, but you have to understand how many people promised me so much and totally let me down. 

DLH:  I have told you more than you think.  I wouldn't delete this thread, Cindy.  Read it again.

Danny Hammond signing off. Peace out.

Cindy:   You don’t know what I’ve been through.  I have spent over $16,000 on attorneys since 2010.  Each one left me off worse than when they started.  I have been Pro Se for 5 years.  I have no money left.  But, I want to save my home.  I need help now.  Not a riddle to solve. CONTINUE READING

Dlh: If you have come to this website for the reasons I think you have, I strongly recommend you read more

Do You Want To Ask About Affordable Answers For Stopping Your Foreclosure? Click This Line

MORTGAGE FRAUD-THE SACKING OF ROME IN 410 AD-THE GLASS STEAGALL ACT OF 1933 AND THE REASON FOR THE USE OF FIREWALLS

"When they call the roll in the Senate, the Senators do not know whether to answer 'Present' or 'Not guilty.”        Theodore Roosevelt

[Glass-Steagall Act of 1933] link

Reposted because I have always liked it and not enough people have read it.

by Danny Hammond

FIREWALLS:  This word is broadly defined. But, I think we can all agree that it is a device or strategy placed within a system to back up the day to day rules and regulations are attacked from outside or within the system and this attack bypasses the system to cause damage to that system.

I just read that and yes, it will work for the purpose of this article.

Although the date of the founding of Rome is steeped in legend and mystery, as well as some historical writings, it is generally considered to be April 21, 753 BC. Since it is a story of at least one thousand two hundred years and it has to do with brothers named Romulus and Remus and something about their mother being a She-Wolf,  for the duration of this article we will just use the above date. All agreed?  Yes.

My only reason for referencing Rome is that throughout all of its in-fighting, treachery, betrayal, greatness, open government, etc., Rome survived so long because there were always in place some "must always be so" rules.

KEEP READING  I PROMISE THIS ARTICLE IS ABOUT HOME LOAN FRAUD AND I'LL GET TO IT.  CLICK HERE

FREE DETAILED REVIEW OF YOUR FORECLOSURE CASE WITH STRATEGIES TO USE CLICK THIS LINE

Mortgage Fraud: From The Danny Hammond Pro Se Primer 101- You Need To Forget The Past! Yes, Your Government and Your Courts Have Screwed You Big Time. So What? That's Only What Happened Just Up To Now.

“It will be of little avail to the people, that the laws are made by men of their own choice if the laws be so voluminous that they cannot be read, or so incoherent that they cannot be understood;”
― Alexander Hamilton, The Federalist Papers

I started a Facebook Group.  People joined it and I don’t know what I am supposed to do
except to try and guide the members to the only solutions for Foreclosure Fraud I can find.
Use the power of the United States Constitution.

In my group forum, I noticed that most people aren’t trying to go forward and save their

homes.  They are mostly poking fingers at people and institutions that they think F****d

them over.  They are right.

They are right in everything they are saying.  But today foreclosure is not about law.  It is

about Outlaws.

This is a very serious and dangerous problem.  It is going to determine the future of the
United States. We have a civic duty to sue a judge.  Embrace it. Do not fear it.

You can’t just point fingers.  You have to figure out who is really responsible for hurting you
and deliver some hurt right back at them.
CONTINUE READING:

CLICK HERE TO TELL US WHAT YOU WOULD LIKE TO SEE INCLUDED IN "REAL ESTATE LAW"
& "FORECLOSURE FRAUD ZOOM CLASSES"

by Danny Hammond

Would You Like To Get Answers On Your Particular Situation?