Monday, August 24, 2020

Blogger will not let me keep going down. So, if you want to see my Posts in a straight line. Click on the title to see MORE POSTS FROM THE FORECLOSURE SOLUTIONS GROUP & DANNY HAMMOND




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

















FRAUDULENT FORECLOSURE SALE WITH NO DETAILED ACCOUNTING OF THE DISBURSEMENT OF THE PROCEEDS FROM THE SALE

CONTRARY TO POPULAR BELIEF THE FOLLOWING CALCULATION IS RIDICULOUS MYTH AND LEGEND  “BAD MORTGAGE LOAN” =  “BAD MORTGAGE BORROWER”

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

WHAT IF YOUR WRONGFUL FORECLOSURE WAS ALREADY VOID, BUT YOU WERE UNAWARE OF IT?

IF YOU WERE FORECLOSED AFTER YOUR MONTHLY PAYMENT SUDDENLY JUMPED UP DRAMATICALLY, YOU WERE A VICTIM OF WHAT I CALL A CALENDAR ARM

SUBJECT: MORTGAGE FRAUD--I SAY THAT YOU SHOULD SUE YOUR JUDGE, BUT UNLESS I DO IT MYSELF ISN'T THAT ADVICE A LITTLE LAME.?



YOU HAVEN'T THOUGHT ABOUT THE MORTGAGE CRISIS FOR A LONG TIME.  DID YOU THINK IT WAS OVER?  THOUSANDS OF PENSION FUNDS BOUGHT THE WALL STREET MORTGAGE-BACKED SECURITIES BONDS CALLED TOXIC BY FEDERAL RESERVE WHICH BOUGHT THEM BACK AT PAR WITH THE MONEY THEY PRINTED











 MY NEW METAPHOR FOR "MORTGAGE FRAUD" IS A GAMBLING CASINO THAT LETS NO ONE WIN, WITHOUT ANYONE REALIZING IT





SHORT SALE OR DEED IN LIEU OF FORECLOSURE: WHICH IS THE BEST STRATEGY? NONE OF THEM!





































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Thursday, August 20, 2020

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



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



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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


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Tuesday, August 18, 2020

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+























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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.


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Thursday, August 6, 2020

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.mtgfrd@gmail.com Leave your comments on the email. We will post the most relavent
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

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Sunday, August 2, 2020

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:
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.
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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.

by Danny Hammond of the 3/4 court press. Can Anyone truly believe that it is the Borrowers that come up with these bizarre scenarios?  My si...