Thursday, January 1, 2015

I'M PRO SE AND IT'S OK!

NJ MILL  LAWYERS FORECLOSURES  READ THIS HOME OWNERS


MILL LAWYERS CAUGHT LYING TO THE COURT


U R Home had oppurtunity to observe some courtroom cases this past few weeks on foreclosures. 

During our interviews and observations we heard and saw some interesting facts and insights and have decided to share a few.  In Central Jersey:

  Mill Lawyers still continue to present False information to the Court, YES, 

How does U R Home know this? 

They got Caught and on Record had to admit it to the Judge they Lied!!! 

Not once but Twice!!!!  

Pro Se's who work hard at their paperwork and study the law and above all are not afraid to face the courtroom can fight and win!... 

Lawyer's who want to really work to see justice served for the Home Owner who got wronged by the Banks, Did Great

 Those who just wanted to drag it til the Home Owner could save enough, or possibly modify their loan did NOT impress us.  

Fight for your Rights!!! 

NJ HOME OWNERS PLEASE LEARN THE  Mill Lawyers List !

They are NOT Great Lawyers They are Lier Lawyers Tell they Judge They are Lying,

 One Lie usually means, One lie all lies in the court of Law.. 

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http://lawlib.newark.rutgers.edu/recordings/A_11_11.wmv

Click on link above for Actual NJ Supreme Court 11/29/11
Bank Vs. Home Owner  Landmark Case awaiting Supreme court ruling..



Wall Street Live Protest  click on link below
to watch.
http://livestre.am/PlNN


Challenge foreclosure "It's late,& limited,borrowers who felt their homes were wrongly foreclosed upon in 2009/10, there is now recourse.An enforcement action (so-called 'consent orders') taken last April against
14 of the largest mortgage banks/servicers following the so-called 'robo-signing' scandal, the OCC is beginning a 'multi-faceted independent review of foreclosure actions.Banks, including... B.O.A, Chase, Citibank, Wells,GMAC,& EMC, will have to fund these independent reviews to evaluate, 'whether borrowers suffered financial injury through errors,misrepresentations, or deficiencies in foreclosure practices.' If they did, those borrowers get some kind of 'remediation.''The challenge is substantial, but the steps we have required the servicers to take are vitally important to resolving these issues in a way that respects the rights of those who have been harmed & helps to restore confidence in the system,' said John Walsh, O.C.C in a statement.




September 2011

Thoughts from the Editor:

How to save We the People from the Mortgage Crisis.

If All Banks simply lowered interest on Home Owners who are current on their mortgage for 2 years to 1% for the first year and 2% for the second year then go back to their regular interest rate they would satisfy the next step to the mortgage recovery. All those in foreclosure should be given amnesty as the Big Banks are asking for currently why can't we?  You see what happens is the Servers of these loans are the ones making the big money, Not the Investors,  but the Servers of the Loans. By keeping the Homes in foreclosure status they make the real money. The  Servers get certain percentages each and every month. If the Government would simply cut the mortgages amounts by 60% of value or real current market value of the home not the banks drive by values and lower interest rate to 4% not only would we save these homes but would take the foreclosures off the market that would otherwise go to Sheriff's Sale  and get as a current average 20 to 30% of whats owed anyway. All this is doing is making a Home Owner homeless and having usually an Investor buy the foreclosure if not the banks buying it back. Additionally this is putting America in more  enconomic distress
Banks are paid mostly when the home owner defaults because they have insured themselves against foreclosure anyway. Credit or Income should not matter since the Mortgage company ignored the credit and the income to give People loans they couldn't afford so should the credit and income be ignored now.
We hear time and time again Judges saying in courts across the Land I'm not going to rule in your favor and give you a Free House.  This is a ridiculous statement given the fact that however long the Home Owner has paid they have paid in, with down payments, monthly payments with high interest rates until they defaulted, They probably got a mortgage that they couldn't afford and the Banks knew it. Banks bet against all this from the begining, making more money off the mortgages.  With all the mortgages in question, the notes in question, the Robo Signing, all the FFA(federal fair housing) charges being brought up against banks and the Judges say the Home Owner can't have a free house? Wake up America, and smell the Bank take overs.
Government says and does fine these big banks, that's all well and good but even though the fines are somewhere in the range of 85 million its like a $500 fine to them. Where does the money go? To the Government or the like. This is not helping the Home Owner, they will still be homeless, the banks will take it over and resell the property, and make more profit.  Our Enconomy is Hurting and if you watched "To Big to Fail" you would of and had seen the real story, it was never the housing market that started our encononmic crisis, it was Wall Street not Main Street. Banks can claim bankruptcy and get bailed out., start over like nothing ever happened. They are starting to do it again now. Shouldn't they lose the mortgages entirely if they claim bankruptcy? We the People lose most everything we own when we claim bankruptcy and if we are lucky enough to hold onto our home we still have to pay for it. Why do the Bank simply walk away from their debt and again We the People suffer for it?  Stay in your Homes no matter what fight for your rights. Go Pro Se if you have to but fight. There are Judges in NJ that are doing a fantastic job of helping the People, and following the laws, and there are a few that for whatever reason are against the People and go against the rules set in place and let the foreclosure proceed. Remember to fight. A Judge is paid for by the People for the People to protect our rights as well as the banks. It's a shame some Judges are not adhearing to the law.


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A New Jersey foreclosure by Deutsche Bank was overturned by a state appellate court panel yesterday because the bank could not show it possessed a debt note for the house when it moved to foreclose in 2008.
The case could impact the prospects of many state foreclosure cases, according to Peggy Jurow, a senior attorney for Legal Service of New Jersey who deals with foreclosure and predatory lending cases.
"What today’s case does is say that the lender has to have had the assignment of mortgage and possession of the (loan) note before it files a foreclosure action," Jurow said yesterday. "They can’t fix up that sort of paperwork problem afterwards. They have to dismiss the case and start again."
In the case, Jacqueline Bethea said her two-family home in Plainfield was bought out by Elite Financial Services with the promise that she could remain in her home.
Elite Financial Services sold Bethea’s property to a third party who got a new mortgage from Long Beach Mortgage Company. Eventually, the debt note and the mortgage backing it was transferred to Deutsche Bank.
The immediate result of the decision is Deutsche Bank must go back to court and prove it has the note for the debt before it can foreclose again, Jurow said.
But she said the appellate court’s decision could have implications for other foreclosure cases in the state. As of May, the number of foreclosures filed in state Superior Court had reached about 62,000.
"Bethea could have been any homeowner," Jurow said. "In the vast majority of cases, stuff like this goes on. The paperwork is sort of an afterthought, and that’s what I think you see in this."
Eliot Caroom: (973) 392-7919, mailto:ecaroom@starledger.comor @eliotter on Twitter.


WELLS FARGO PAID RECORD 85MILLION IN FINES

July 20 (Bloomberg) -- Wells Fargo & Co., the largest U.S. home lender, agreed to pay a record $85 million fine to settle Federal Reserve claims it steered borrowers into costlier loans and falsified data in mortgage applications.
Employees at Wells Fargo Financial, the lender's consumer- finance unit, pushed customers who may have been eligible for prime interest rates into loans carrying higher rates intended for riskier borrowers, the Fed said in a statement announcing the settlement today. Separately, sales personnel used false documents to make it appear borrowers qualified for loans when their incomes made them ineligible.
The company shuttered Wells Fargo Financial in July 2010, eliminating 3,800 jobs and ceased making non-prime home loans. The business was overseen by Mark Oman, 56, who has announced he will retire by yearend. The San Francisco-based bank didn't admit wrongdoing in agreeing to today's action.
The civil penalty is the largest issued by the Fed in a consumer-protection action, according to the statement. The accord requires Wells Fargo to re-evaluate qualifications of borrowers who received a subprime, cash-out refinancing loan between January 2006 and June 2008. Wells Fargo must compensate borrowers harmed by the practice, which may exceed 10,000, according to the statement.
The Fed also issued consent orders against 16 Wells Fargo employees that bar them from working in the banking industry, the regulator said in the statement.
--Editors: Peter Eichenbaum, William Ahearn


Read more: http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/07/20/bloomberg1376-LONBG36K50YM01-4K11HDH38AMBSJJN2DTTMMBDEV.DTL#ixzz1SyuaWQVB

CLICK ON LINKS BELOW TO READ ABOUT

GAME OVER — HSBC FORECLOSURE, EVICTION AND LIS PENDENS DISMISSED WITH PREJUDICE

http://stopforeclosurefraud.com/2011/07/06/hsbc-v-taher-judge-schack-grand-slam-mers-plaintiffs-counsel-ocwen-robo-signers-christina-carter-scott-anderson-margery-rotundo-dismissed-w-prejudice/

http://livinglies.wordpress.com/2011/07/08/j-shack-game-over-hsbc-foreclosure-eviction-and-lis-pendens-dismissed-with-prejudice/

 

 

 

Banks Found Guilty Of Foreclosure Fraud 

-->As A Result Of The Recent Investigation Launched By The Florida Attorney General’s Office, Bank Of America, GMAC Bank, JP Morgan Chase, and others, have All Been Found Guilty Of Foreclosure Fraud.
Depositions By The Banks Employees Revealed That The Banks Have Been Forging, Falsifying, And Fabricating Documents In Order To Foreclose On Millions Of Homes Owned By Unsuspecting American Homeowners.
Additionally, Wells Fargo Bank Has Admitted To 55,000 Counts Of Perjury In Submitting False Affidavits To The Courts In Its efforts to fraudulently Foreclose on homeowners.
To add to this disgusting, and arrogant display of lawlessness by the banks, nothing has been done by The Justice Department, or any other Federal Officials in the way of civil or criminal charges against the banks, until now.
Recently, The Arizona And Nevada Attorney Generals have filed a civil lawsuit against Bank Of America for fraud against homeowners seeking loan modification, and hopefully there will be more lawsuits on the way, as the Obama Administration has also launched a Financial Fraud Enforcement Task Force to investigate and prosecute financial crimes in the lending and financial markets. As bank fraud has already proved to be pervasive, lets hope that this task force has the political will and integrity to prosecute the banks, and the corrupt attorneys who represent them.
These are essentially mortgages that the banks knew they did not own, but were willing to break the law in order to put homeowners out on the streets to satisfy their insatiable greed for even more money.
In spite of clear and convincing documented evidence, in the forms of deposition testimony by bank employees, the banks have been carrying on as if nothing ever happened, and federal officials have seemingly given them the green light to continue to break the law with impunity.
Until such time as The Department Of Justice, The SEC, And The Attorney Generals of each state decide to take action against these criminal banks, homeowners have no choice but to implement their own available legal strategies to fight to save their homes.
Because most of these foreclosure cases involve the banks inability to produce the promissory note in order to prove they have any legal rights to foreclosure, homeowners have several legal strategies available to them, in order to stop the banks from fraudulently foreclosing on their homes.
One of the more popular strategies employed of late is the “Produce The Note” Strategy. As a large percentage of mortgage loans were securitized, and sold to investors all over the world, it has been difficult, if not impossible for the banks to produce the required documents that would establish their right to foreclosure, as those documents have been lost in the Wall Street ether. This is why the banks have attempted to forge and falsify the documents, but have been recently caught, and found guilty of fraud.
Secondly, the homeowner can also file a civil suit against the banks for fraud, and make them prove they are the rightful owner of the note who is authorized to foreclose on the homeowner’s property.
Last, but definitely not least, is the latest, and possibly most powerful strategy available, which does not require a homeowner to go to court at all. It is strictly an administrative process pursuant to the Administrative Procedures Act Of 1946, by which the homeowner is legally able to reconvey the property title back into his/her name, thereby revoking any authority by the bank to foreclose on the property, and taking the property back free & clear usually within 90 days.
This effectively puts the homeowner back in control, and forces the bank to deal with the homeowner, who now is negotiating from a position of strength, instead of begging the bank for help. The bank now has to go to the homeowner to resolve any title issues.
Until such time as our Government Officials decide that they will uphold, and enforce the rule of law, and the U.S Constitution, and not allow themselves to be bought by the bank’s lobbyist, the American Homeowner must be willing to fight for their Constitutional Rights, and homes by any legal means necessary against the Federal Reserve, The Banks, and the wealthy Wall Street Barons, who created this mess with the full intention of fleecing the American Citizens from all of their remaining wealth in the form of equity in their homes.
Written By: Matt BrockmanMatt Brockman is a mortgage specialist with an M.B.A., and has been practicing civil litigation for the past 15 years, and specializes in bank mortgage fraud.

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Home Owner Forecloses on Bank of America
click link below to view this fantastic News Update
http://youtu.be/MBuCSTFJffY

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TOO BIG TO FAIL, a must see movie. It was always Wall Street not the Main Street that caused this mess!

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I'm Pro Se and it's OK!                                                Yes you can represent your self. Yes it's OK!


In Today's ever changing economy, life situations,disputes and of course foreclosures we have have created this ongoing blog to hopefully giving you, the Pro Se possible direction and information that you may need. We will post information from all areas of the USA, court decisions, other people's knowledge and experiences.

WE ARE NOT ATTORNEYS nor do we make claims to have all the knowledge you may need to present your case. It's our hope that in this blog you will find some information that will help you make decisions about your upcoming or current legal case.


Foreclosure Fraud.. Yes the Banks do it all the time. It's only in this recent year that it's making Head lines. The Media along with the powers that be are trying very hard to take it off the top shelf of the News Papers, Blogger head lines etc. Charlie Sheen is one way, he's way more popular right now than the foreclosure Crisis.

Be focused in your decisions about your legal rights, your case, your abilities to be a PRO SE, because it's really OK if your Pro Se.

Currently we've heard more stories about Lawyers not wanting to take on complicated cases. They want to settle them and not necessarily to your best benefit. If a legal matter is going to Trial  you can bet your Attorney will try everything possible to NOT try the case but Settle it. Be smart investigate your options, know what your plus is in your case and in your favor or not in your favor before your Settle.

                                                           Pro Se Wins in Link Below! 3/28/11
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