What If Your Wrongful Foreclosure Was Already Void, But You Were Unaware Of This Fact?

If you don't stick to your values when they're being tested, they're not values: they're hobbies.

               Jon Stewart

Republished by Danny Hammond of the 3/4 court press

04-21-2022

I have just read a very long email from a borrower who was trying to tell me how he had proven over and over that the foreclosing party which does not exist, did not have the right to foreclose. He has been in court for years and suffered nearly unimaginable suffering and pain and costs.

But, I can imagine. I can remember. Trying to figure out the courts

shouldn't be that hard, should it? The court seems crazy. But, what if Chuck's court is only incompetent? What if this judge is just a no-talent judge guy.

This judge won't learn anything because the other judge guys will protect him from the Borrower. He will protect his other judge guys also, so.....they won't learn anything either. That's how judges go. They are Knuckleheads. They all used to be attorney guys.

I know this is true. After years of working it out, I know that the majority of judges in these mortgage fraud cases are hopelessly devoid of knowledge of, or experience with, real estate chains of title or real estate law, or finance.

When I reply to him I know what I will say. It has been going around in my head like a song for a year. It will go something like this:

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Comment at:  mtgfrd.info@gmail.com

You are reading this article on the Foreclosure Solutions Group website. Go to the website CLICK THIS LINE

Jeffrey Stephan 2nd Deposition: How Do You Confess To 10,000 Foreclosure Forgeries Per Month and No One Goes To Jail? Why Doesn't The American Public Know? These Are Well-Published Facts.

"If there must be trouble, let it be in my day, that my child may have peace".   

                         December 19, 1776, Thomas Paine, The American Crisis, ...

by Danny Hammond

I am not posting the 2nd deposition of the most notorious Robo-Signor of them because you will learn

something new.

It is because you won't. Jeffrey Stephan describes in tortured detail the forging of fake assignments of

American families loans at a rate of 10,000 counterfeited and forged assignments and Promissory Notesper month by ten GMAC Mortgage Corp and GMAC Mortgage, LLC employees in one group.

We all knew this in 2012. It was out in broad daylight. You had to be wearing dark sunglasses to see it

comfortably. But, it was very, very, hard to miss. The problem was we could find no honest attorneys

and we didn't have quite enough procedural prowess to use it right.

This is 2023, we have that ability now. And there are more of us trying to work together.

The GMAC Mortgage, LLC attorney, Frank Lipsman of Kansas City, is doing everything he can to steal my

families home in a federal court case had to admit in Discovery that Jeffrey Stephan worked for six more

years for GMAC Mortgage, LLC, before going to work for Ocwen Loan Servicing an even more damaging

racketeering heir to the mountain of GMAC faked paper of tens of millions of loans.  

This was all approved by the 2nd District Federal Bankruptcy Court Judge Glenn. It is all public record.

(I could not make this stuff up: See my post archives for the Ocwen story)

But now on to the 2nd Jeffrey Stephan deposition which took place in the state of Maine

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The King of Robo Signing Jeffrey Stephan's 1st Deposition As An Employee of GMAC Mortgage, LLC (or similarly named entities), Robo-Signing, 60 minutes, ROBO-SIGNING, 60 MINUTES, Tens of Millions of Stolen Homes, And No One In Govt or The Judiciary Saw a Thing.

"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

I am as frustrated right now as I have ever been during the 12 years that I have been fighting

mortgage fraud.  In the movie "The Big Short" towards the end one of the Wall Street characters

is frustrated that a group of them has figured out how massive the fraud in mortgages has been. 

They even know who the worst perpetrators are beginning with Fannie Mae and working down through Citi Mortgage and the rest.  They have gone to all the big newspapers to blow the whistle just knowing in their minds and hearts that this is a near apocalypse and the biggest story in history.  Not one newspaper editor or reporter will give them the time of day.

1.  Because a fraud this large was too big to believe and 

2.  The newspapers' biggest stock owners were the same criminals running the fraud.

As they are walking back toward their office one of them muses, "I was afraid we were going to ceate panic in the streets.  I was sure that once people knew that their retirement plans had been ransacked by their own government and banking industry that we would have an actual revolution, an uprising by all Americans.  But look at them walking on along the street completely unaware and without enough background information to even get an inkling of what's going on.  And it's not their fault, they shouldn't have to worry about their lives being destroyed from within."

That's how I feel.  There are a scattered few around the country screaming their lungs out in warning, but the message isn't getting through.

I need to let one of the dupe perpetrators explain it to you himself.  What could be more powerful?

My 2nd most popular posting of all time on this blog is the one about GMAC/ResCap fraudulent bankruptcy where literally millions of homes are being taken from families by players like Fannie Mae (thank you US government), Ocwen, Nationstar, Green Tree, Seterus without any ties to the players they are stealing from.

Continue Reading

THEY'RE GONNA PARTY LIKE IT'S 1999! DANNY HAMMOND FORECLOSURE FRAUD PRIMER 101 - JUST WHAT DID CAUSE THE WALL STREET MELTDOWN OF 2008

 (Mortgage Meltdown Is The Wrong Terminology)

These words below do not come from current events.  They aren't the only quotes from famous writer. They all have something to do with my thinking, as I have tried to do the right thing for all Borrowers who were cheated from obtaining the American Dream.

 

 “Everything we hear is an opinion, not a fact. Everything we see is a perspective, not the truth.”

 “Waste no more time arguing about what a good man should be. Be one.”

 

 “Understand at last that you have something in you more powerful and divine than what causes the bodily passions, and pulls you like a mere puppet. What thoughts now occupy my mind? Is it not fear, suspicion, desire, or something like that?”

 

 "The art of living is more like wrestling than dancing, because an artful life requires being prepared to meet and withstand sudden and unexpected attacks.”

 

 “You shouldn’t give circumstances the power to rouse anger, for they don’t care at all.”  Anger is not thought.  Anger is anti-thought.

  

 Marcus Aurelius Antoninus was Roman emperor from 161 to 180 AD and a Stoic philosopher. He was the last of the rulers known, non-contemporaneously, as the Five Good Emperors and the last emperor of the Pax Romana, an age of relative peace, calmness and stability for the Roman Empire lasting from 27 BC to 180 AD

 

 

 

by Danny Hammond

For those of you who have followed the news for the last several weeks, did you notice that four medium banks had failed suddenly?

 

 The word "medium" is what I would like to point out first.  These were medium banks by todays measure.  Before 1999 they would have been mega banks.  But, the last of these four recent banks to fail and be snatched up by the one time failures of Wall was purchased by JpMorgan Chase Bank a bank that is mega by today's standards.  JpMorgan Bank, Bank of America, Citi, Wells Fargo

 

 In September 2008, Congress approved the “Bailout Bill,” which provided $700 billion to add emergency liquidity to the markets. Through the Troubled Asset Relief Program (TARP) passed in October 2008, the U.S. Treasury added billions more to stabilize financial markets - including buying equity in banks.

  

 Now, if you don't know this you should.  That when you read the government used money to prop up the same broke banks that stole our houses that the government they were talking about was our government.  In other words, you as a taxpayer and all of your taxpayer compadres took this burden on our consolidated taxpayer backs.

 

 The Federal Reserve began buying the same mortgage-backed securities that myself  

  and everyone I know that thinks about this stuff looked for many years years to find any mortgage-backed securities and found none.  The Federal Reserve which is not part of the US Government it is an association of US Banks has been buying $40 Billion of mortgage- backed securities every month by printing the money (which is very, very inflationary) which is again on the backs of the US taxpayers.  (If you are a taxpayer this includes you)

 

 What caused all this ruckus?  Well our government in 1934 was nothing like the lunatic asylum that it is today.   Smart men with no television no mega yachts, and believed in facts and truth studied what caused the 1929 Wall Street Crash and the ensuing Great Depression.  The law that they came up with was called the Glass-Steagall Finance Act of 1934.

 

 Any one can understand the two most important parts of it that kept our country's economy safe for nearly 70 years.  In 1999 the democrat president and a Republican thought it would be best if they repealed Glass-Steagall in full without putting back any laws in its place.  8 years later all of our lives were destroyed and we were left with nothing except the pleasure of paying all of the broke mega banks money to make them rich again.

 

 See all of the banks you helped rescue by paying off their debts since 1970  here.

 

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+

AS I LISTEN TO WHAT BORROWERS ARE TELLING ME AND AS I READ BORROWER'S POSTS IN FACEBOOK GROUPS, IT IS EASY TO SEE THAT BORROWERS ARE SMART, BUT THEY ARE THE VICTIMS OF FORECLOSING PARTIES 3 MAIN STRATEGIES

1. NEVER USE THE APPROPRIATE LAW TO ESTABLISH THE RIGHT TO COLLECT MONEY OR FORECLOSE (THEY WOULD BE COMMITTING AN ACT OF PERJURY)

2.  RELY ON THE JUDGE TO DO NOTHING TO PROTECT THE BORROWERS' CIVIL RIGHTS

3.  WEAR OUT THE BORROWERS UNTIL THEY HAVE NO STAMINA, MONEY, OR WILL TO FIGHT BACK AGAINST THE FORECLOSING PARTIES' STUPID, BRAZEN, AND UNBELIEVABLY  UNCONSTITUTIONAL STRATEGIES

"Never argue with stupid people. They will drag you down to their level and then beat you with experience."

                          Mark Twain                                                

                                                                by Danny Hammond

Servicers and other such ilk have been using the whole time such as deals made by telephone, deals made by letters that are not signed, threats contained in court motions, and letters from attorneys. They are just kicking dust in your eyes in order to follow the plan. The plan has always been to:

1. Wear you out

2. Make you spend all of your money defending what you never had the responsibility to defend

3. Take away your will to continue.

There have always been criminal organizations inserted by 3rd parties with no interest in your deals usually represented to be Servicers who are 3rd parties with no interest in your deals.

Real Live Racketeers like;

The SPS, Green Tree, Nationstar, Seterus, LPS, Bank of New York, Bank of New York Mellon, Deutsche Bank National Trust Company, Deutsche Bank Trust Company Americas, US Bank NA as Trustee, and dozens and dozens more have all gone around and around in the same patterns and with the same strategies since the "Big Bang" of 2006-2012.

Borrowers are walking into the same old traps that fraudulent foreclosing parties and they're fraudulent Servicers which are Imposters and Fictitious Payees (legal terms from the UCC).

The first big one was gigantic. It is Ocwen Loan Servicing with many derivatives of that name. They finally had so much trouble from the feds (who fined but did not indict anyone) that they kind of disappeared.

But, I believe that the main ownership of Ocwen and affiliated banks, lenders, servicers, and other such ilk are all related by agreement or ownership to Ocwen. The servicers have a habit of changing names and/or functions. If I'm right one of the very central players will be William Erby.

See my article about Ocwen and William Erby at this LINK:

OCWEN AND WILLIAM ERBY

The name I hear Borrowers naming as their foreclosing party currently is Select Portfolio Servicing or the dreaded SPS. They are not an owner of your debt and their claim of being contracted Servicers might be true if you think they are a debt collector.

But, they are a 3rd Party debt collector with no connection to the entity that does own your debt that is represented by a true Promissory Note.

MORTGAGE FRAUD: THERE IS NO MAGIC BULLET, TRICKY ANGLE, NOR AN "AHA!" MOMENT. THE REMEDY WAS EMBEDDED IN THE CONSTITUTION BY THE BRILLIANT ANCIENTS

"The essence of Government is power; and power, lodged as it must be in human hands, will ever be liable to abuse." 

                        James Madison

by Danny Hammond

I just got an email from a reader who was asking me once again, to tell him the best way to prove that a foreclosing party was not a "party in interest".  I am working on turning in a federal lawsuit against a federal lawsuit next week.  I have answered this question a thousand times (gross exaggeration).  The answer is always the same.  A borrower never has the burden of proof.  It is the foreclosing party and the judge of the court that have that burden.  Borrowers don't try to find your Promissory Note, it is the foreclosing party that does not have that note.  Why would you help them?  Make the court run the case as was directed in Article III of the constitution. That answer can be found in multiple places in this blog.  But, I had a different answer to the problem.  Read it below.

Richard, I have been preaching the same thing for a year and a half.  The laws cannot vary from state to state. The vast majority of judges are not even aware of the laws that remove their immunity due to actions of their own.  

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