Tuesday, May 9, 2023

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.

If you fall during your life, it doesn't matter. You're never a failure as long as you try to get up. 
                                                                                                                          Evel Knievel
                           
Republished by Danny Hammond
I have read and I still read many messages from Borrowers
who are looking for help against mortgage fraud and wrongful foreclosure involving their homes.  Lately, I have run into
several Facebook Groups that exist for their members to collaborate and share their own searches on the internet
and strategies that they have heard about or read about.
There are some issues with this that are causing them to

get overwhelmed and stuck.  I know a lot about this.  

Not because I am so smart, but because I have gotten overwhelmed and stuck.

It was easier for me to overcome because I learned about the Chain of Title of records
recorded against the property that houses sit on starting at 12 years old with my Dad.  Most
people never really deal with it more than once or twice in their lives.

Everything in life has a straight line.  A beginning and the middle and the end.  They never
change positions.  In real estate, the straight line is usually more obvious than say a drive
across the country.

CONTINUE READING

Monday, May 8, 2023

The Borrower Can Challenge The Assignments Of The Security Instruments Pursuant To The Rulings In "Slorp": The United States Court Of Appeals 6th Circuit

They're leaving you nothing and nowhere to go
Just put you in the corner like an old banjo
The strings are breakin' but you can't say no
You're runnin' with the devil and it's touch and go

                                               Emerson Lake and Powel (Running with the Devil)

RICK A. SLORP, Plaintiff-Appellant, v. LERNER, SAMPSON & ROTHFUSS; BANK OF AMERICA, N.A.; SHELLIE HILL; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC., Defendants-Appellees.

ALL OF THE FORECLOSING PARTIES HAVE BEEN USING THE WORN OUT INTERPRETATION  OF LAW,  SAYING "THE BORROWERS CANNOT CHALLENGE ANY ASSIGNMENTS OF THE MORTGAGE".   BUT, MORTGAGE FRAUD CHANGES ALL OF THAT ACCORDING TO THE SIXTH CIRCUIT APPEALS COURT IN "SLORP"!





   Republished by Danny Hammond

   mtgfrd.info@gmail.com




The Imposter Foreclosing Party almost always claims that the Borrower (as the mortgagor) cannot challenge assignments. You did make your Promissory Note negotiable according to the terms of your Promissory Note that you allegedly signed. That is why the foreclosing parties use this interpretation.

But did the foreclosing party buy it legally? No almost assuredly it was never involved in a purchase and sale transaction which even involved 
any real purchase of your debt.  

When it did not, that's Fraud.  No matter what claims your foreclosing party makes if there is fraud present it changes the rules.  It is impossible to commit a legal act using fraudulent means or tactics.  So, this argument that the Borrower is a 3rd party to the sale of the loan and cannot challenge its validity is nonsense.  There are two reasons why I have never seen a good foreclosure (a legal one).

I really gained an understanding of how Borrowers were being railroaded and how real property laws were being broken many times every day by judges when I first read the case known as "Slorp". The attorneys we see as our adversaries could not operate as they do without the judge's inactions.  Like little kids, who without supervision, the attorneys will run amuck.  A judge is constitutionally bound to be this supervision.  It is the judge who is your adversary.  Continue reading this post and I have included the full case of Rick Slorp v Bank of America et. al.  This may be the best information you will ever read concerning your own case.

Sunday, May 7, 2023

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.
 
 

Monday, December 5, 2022

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."

                                                                                                  John Stewart 

A Very Comprehensive REVIEW of Article III Standing.  

State Judges are not bound by this.  They think that is the end of the matter.  However, if your state judge has ruled against you and Granted for the party that could not pass the federal requirements of Standing against you.  You can file for appeal to Federal Court.  In almost every other instance if your case has been ruled on by a state court, a federal court cannot take your case.  

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.

The judge is not going to read what you file.  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?

READ MORE 


Saturday, December 3, 2022

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

 “Court business is a hell of a problem. It’s a good deal like politics. It asks for the highest type of men and women, and there’s nothing in it to attract the highest type of men and women. So we have to work with what we get...” 

                                                        Paraphrasing of ― Raymond Chandler, The Lady in the Lake


CALENDAR ARMS:  THE TYPE OF LOAN THAT CAUSED YOUR FORECLOSURE AND BROUGHT THE US ECONOMY TO ITS KNEES; IT WAS INTENTIONAL MORTGAGE FRAUD



by Danny Hammond
The single largest cause of the 2008 meltdown was a home loan product that has been used for many years safely and effectively.  That is until the bankers which control government and courts added a little time bomb that is estimated to have caused ten million families to lose their homes.  If it was done intentionally and with design and forethought then every investment banker in America should be in prison. If it was an ignorant unintentional global screw up, then every banker in America should be in prison. It doesn’t matter if there was malicious intent or no malice was even present the result is the same. CONTINUING READING 

               GO TO THE BEGINNING OF THIS BLOG

Links to Old Articles Not yet edited

 CREDIT BID & DISTRIBUTION OF THE HOME FORECLOSURE SALE PROCEEDS: I AM SURE THOSE TWO PHRASES ARE FAMILIAR TO ALL OF MY READERS. NOT?


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!
















Friday, December 2, 2022

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'".

 “I know no safe depository of the ultimate powers of the society but the people themselves and if we think them not enlightened enough to exercise their control with a wholesome discretion, the remedy is not to take it from them, but to inform their discretion by education. This is the true corrective of abuses of constitutional power.”


― Thomas Jefferson, "Letters of Thomas Jefferson"


Article by Danny Hammond

The laws for land ownership have not changed appreciably for a hundred years.  All the laws you find, we found 10 to 12 years ago.  For the most part they are very good and fair and if you are getting swindled IT IS BECAUSE a judge is working to derail you.

We all presented these laws to judges over and over and over.  It got to the point that we joked about the fact that all of the judges at all levels of judiciary in the United States attended a "crooked judge" convention in Las Vegas every two years to figure out their new strategy for siding with attorneys to swindle borrowers being wrongfully foreclosed.

Of course, that is not it.

Judges are all attorneys who got to be judges by attending clubs, and cocktail parties of important people, old judges and political parties. Most of them probably have not learned anything new since they graduated from law school.  I know I am an idiot, but I am convinced that I can pass the Missouri Bar without studying at any time I choose.  Idiot or not, I believe that.




Tuesday, May 3, 2022

Everyone Has Their Own Pet Issue That Is "The Greatest Danger To American Democracy". I Believed It Was Congress "BAILING OUT" All 7 Of The Biggest Banks That Caused The "Wall Street" Meltdown. I Was Wrong It Was Our Judiciary.

 The American Judiciary Is The Greatest Danger To American Democracy

To Save Your Home You Have To Sue Your Judge And Your Attorney Won't Use Your Civil Rights. He is scared of the Judge.

But, really, Bailing out the Too Big To Fail Banks was stupid

        


by Danny Hammond

I seem to have the most diverse set of actual case examples of Judges ruling insanely against Borrower's that I have myself ever seen.

I have now topped my collection as I, acting as a landlord for once have had two trespassers in my 4,800 sq ft. Lake House at (dare I say it?) Lake of the Ozarks in Benton County Missouri.  The court is in Warsaw, MO and I have been trying to evict these trespassers for 15 months in an Unlawful Detainer court.  "Eviction Court".

Saturday, April 23, 2022

From "The Pro Se Series by Danny Hammond: THE IMPORTANCE OF CHALLENGING THE CONSTITUTIONAL STANDING TO FORECLOSE CONCERNING YOUR FRAUDULENT LENDER AND THE "SUBJECT MATTER JURISDICTION" OF THE COURT. THIS IS EXACTLY THE SAME IN BOTH JUDICIAL AND NON-JUDICIAL FORECLOSURES AND STATE AND FEDERAL COURTS

“Until you guys own your own souls you don't own mine. Until you guys can be trusted every time and always, in all times and conditions, to seek the truth out and find it and let the chips fall where they may—until that time comes, I have the right to listen to my conscience and protect my client the best way I can. Until I'm sure you won't do him more harm than you'll do the truth good. Or until I'm hauled before somebody that can make me talk."      Raymond Chandler "High Window"

Republished by Danny Hammond


IF YOU ONLY RETAIN THREE WORDS FROM THIS POST YOU WILL NOT HAVE WASTED YOUR TIME.


THE WORDS ARE:  "INJURY IN FACT"



Article III of the Constitution of the United States as defined by the U.S. Supreme Court has long ago established a constitutional, irreducible, minimum set of requirements for a party in a genuine dispute to establish that it has the Standing to redress a claimed "Injury In Fact" before it can bring a dispute before any court.

Without the existence of Standing all courts in the land must acknowledge that the court has no subject matter jurisdiction to hear any merits of a case and that it has no choice whatsoever but to dismiss the subject action.

In Borrower's cases, this subject action is the claim that the foreclosing party is the party in interest that has the "right" to foreclose on a Borrower's property and that it is claiming and proving that it has been injured by the Borrower enabling its right to foreclose.
The three requirements to prove Standing in a case involving Judicial Foreclosure state foreclosure actions in which the foreclosing party is the Plaintiff and the Borrower is the defendant.


Wednesday, April 6, 2022

THE LETTER: A Letter From A US Citizen Whom, It Seems, Feels The Same Way As Me About The Problem Of Judges Using Their Jobs, Without Constraints, To Abuse The Meanings Of Constitutional Law And To Violate Their Own Oaths

Republished by Danny Hammond.  This and other posts will be placed not chronologically, but by relevance.  They are in the order that I wish I would have learned the information.  DLH


 I have not edited any of the words of this letter, however, I did add spacing since the writer (perhaps a bad student) wrote this harsh observation as a single paragraph and it was a little hard to read.   DLH

 


THE LETTER:


At the establishment of our constitutions, the judiciary bodies were supposed to be the most helpless and harmless members of the government.

Experience, however, soon showed in what way they were to become the most dangerous;

that the insufficiency of the means provided for their removal gave them a freehold and irresponsibility in office; that their decisions, seeming to concern individual suitors only, pass silent and unheeded by the public at large;

that these decisions, nevertheless, become law by precedent, sapping, by little and little, the foundations of the constitution, and working its change by construction, before anyone has perceived that that invisible and helpless worm has been busily employed in consuming its substance.

In truth, man is not made to be trusted for life, if secured against all liability to account.

                              Thomas Jefferson: letter to Monsieur A. Coray, Oct 31, 1823



Monday, April 4, 2022

SOMETHING WICKED THIS WAY COMES, WALL STREET IS UP TO SOMETHING CONCERNING OUR HOMES AND I DON'T THINK WE ARE GOING TO LIKE IT: MORTGAGE FRAUD

"I've got to keep in some sort of touch with all the loose ends of this dizzy affair if I'm ever gonna make heads or tails of it."
                                                       Sam Spade



Republished by Danny Hammond

mtgfrd.info@gmail.com

Yes! Something is up in Wall Street Land.  I, and dozens of Mortgage Fraud experts have been expecting a very large spike in foreclosures.  There are a lot of judicial and non-judicial foreclosures going on as I speak.  

I haven't tried to confirm if they are mostly non-conforming loans which doesn't mean that the people have a bad loan.  Non-Conforming Loans simply don't conform to Fannie Mae and Freddie Mac's rules and conditions.  

My requests for help from Borrowers are much higher than I have had at any time.   And this is really my point.  We seem to have as many as four vaccines that have completed testing and are ready for approval.  By the end of December mass vaccinations will begin and all hell is going to break loose when all of the frozen foreclosures thaw out at the same time.   If you are one of the millions who have been waiting and hoping for the miracle that government will continue the freeze don't wait any longer.  It is the government's entities that have been held up and nothing is going to stop the tsunami of foreclosures that will follow when they are cut loose.

(Here I think that some confusing terms need clarification.  This is true for home loans in general, the confusing terms come from the old common law which was in place for hundreds of years before being clarified in the Uniform Commercial Code.  For this article let's go through the synonyms that sound different but are actually interchangeable.

[The Borrower is the]                                  [The Lender, Foreclosing Party, Servicer, ]

Mortgagor                                                    Mortgagee
Obligor                                                        Obligee
Issuer                                                           Issuee
Grantor                                                       Grantee

The differences here are minor, but all of them mean it was the Borrower that created the flow of funds to the home loan by signing the original Promissory Note and the collateral instrument (mortgage or Deed of Trust) over to the actual Lender or Holder in Due Course using his or her signature.

FHA, Hud, FHFA, FNMA, and Freddie are all unable to have their servicers or correspondents foreclose on government conforming loans which are the vast majority of loans due to a government moratorium on foreclosures due to the Covid-19 pandemic.  This brings up a lot of bad things for a lot of American citizens.  You are in foreclosure due to fraud that the government could easily fix by making all judges run their courts as directed by Article III of the constitution.  So, the government puts no one in jail and our courts give our homes to funny-sounding parties, such as one I saw today "PLANET MORTGAGE" which has no right to foreclose.  I have never seen a foreclosing party in any state even try to meet the Constitutional, Irreducible, Minimum Requirements of Article III STANDING.

CONTINUE READING                                                        Get Help With Your Case