THE REVOLUTION HAS BEGUN! – 24 hr. Toll-Free Information (877) 365-2528

Posted by revolt | Angel of Defense | Wednesday 12 January 2011 3:48 pm

FIGHT YOUR FORECLOSURE…”TAKE YOUR PROPERTY BACK FREE AND CLEAR.”

We are the MOST POWERFUL foreclosure fighting document site on the Internet! We provide you with all of the foreclosure defense documents, information, legal strategies, attorney referrals, and our powerful Securitization Loan Audit through our Homeowner Defense Network to Stop Foreclosure Sale, and take your property back Free and Clear!

Yes, free and clear means never making a mortgage payment again!

The mortgage war has begun. Are you prepared to fight to save your home? THE HOMEOWNERS REVOLT. COM will arm you with the ammunition you need to win the war and “Take Your Property Back Free and Clear.” The Banks and Wall Street declared war on the American Homeowner several years ago, and you can now see the fruits of their labor in the unprecedented amount of foreclosures throughout our nation. They devised a clever Bernie Madoff-like ponzie scheme, with the intent to seduce you through mass media marketing, to dive into the new “Gold Rush,” the Red Hot real estate market, and prompted you to stake your claim to the American Dream Of Home Ownership.

They told you, don’t worry if you feel you can’t afford the home, we’ve got an exotic new negative amortization loan for you at 1 percent interest that will allow you to buy more home than you could ever afford before. Just sign right here! And so it began. What Wall Street and the Bankers didn’t tell you is, they knew all along you couldn’t afford the home, and that after charging you for the loan you couldn’t afford, they would turn around and sell your loan to investors for obscene amounts of money before you defaulted, and by the time you finally realized you couldn’t afford to pay the mortgage, and had gone into default, Wall Street and the Bankers would then get the U.S. Government to pay them the now infamous “Bailout” money to buy your defaulted loan back. Yep, they got paid again!

Once Wall Street and the Bankers got bailed out by the U.S. Government, they were ready to implement the next phase of their plan. It was now time to foreclose on millions of American Homeowners, stripping them of their wealth, and re-selling their homes at a discount as ‘BULK REO’s’ to wealthy investors for yes, more obscene profits. And as they say, the rich get richer. (REO stands for real estate owned. This is what the property is referred to after the bank forecloses and takes the property back)

However, a scene from the Hollywood Movie, ‘Network’ aptly describes the mentality of the American Homeowner today. “WE’RE MAD AS HELL, AND WE’RE NOT GONNA TAKE IT ANYMORE.” All you ever wanted as a homeowner was the American Dream of homeownership to build your wealth, financial freedom, and provide for your family. Now Wall Street and the wealthy Bankers have pulled their Bernie Madoff scheme on you, and are trying to dupe you out from under the very roof over your head, by foreclosing on your home and kicking you out on the streets so they can get even richer. Well, it’s time to fight back and let THE HOMEOWNERS REVOLT.COM arm you with the ammunition you need to fight this mortgage WAR, and WIN!

THE HOMEOWNERS REVOLT.COM will arm you with the critical strategies needed in order to “Take Your Property Back Free and Clear“. Yes, you can light the fuse that will cause Wall Street and the Wealthy Banker’s ponzie scheme to blow-up in their faces, while this time, you laugh all the way to the bank, and take back your liberty provided by the U.S. Constitution. Remember, it was supposed to be “liberty and justice for all,” not just for the wealthy. Make no mistake that this is the people’s revolution of our lifetime. They’re coming to take your home, but you can fight back, one homeowner at a time by joining the revolution, THE HOMEOWNERS REVOLT COM.

  1. We’ll take you step-by-step through each legal strategy that empowers you to save your home.
  2. We’ll provide you with every legal document you will need to fight for your home at a fraction of the cost you would pay an attorney.
  3. We’ll show you legal strategies to freeze your foreclosure in the courts for years, without making any further mortgage payments.
  4. We’ll keep you updated with all of the latest foreclosure fight back news and strategies being successfully employed in the courts nationwide.
  5. And, finally, if you decide you want to sue your lender and take them to court, THE HOMEOWNERS REVOLT.COM will provide you with a fully completed draft of a legal complaint and lawsuit that is instantly downloadable and ready to be filed in most foreclosure states in America. Especially the heavily hit states such as Florida, California and Nevada.

There is absolutely no other site on the web that can comprehensively provide you with all of the ammunition you will need to fight your mortgage WAR, WIN, and “Take Back Your Property Free and Clear.” Time is of the essence when they’re trying to take your home. Click the link below to “Take Your Property Back Free & Clear in 90 Days” with our “90 Day Take Back Program“. Instantly download the program, and arm yourself with the WEAPONS OF MASS DESTRUCTION you’ll need to fight your mortgage WAR, and WIN! It’s time to join the revolution!

THE HOMEOWNERS REVOLT.COM. TAKE YOUR PROPERTY BACK FREE AND CLEAR, NOW! Click Here to download the ammunition you need to fight your mortgage WAR, and WIN! Yes! The first weapon in your arsenal is the “90 Day Take Back Program“.

DISCLAIMER: THE HOMEOWNERS REVOLT.COM (hereinafter “THR”) provides extensive foreclosure information and general services to help Clients understand the foreclosure process and procedures, while assisting Clients in safely coping with their own foreclosure issues. “THR” does not provide legal services or legal advice. “THR” is not a law firm and its employees are not acting as Client’s attorney. Therefore, any use of the information provided by “THR” DOES NOT create, or constitute a solicitor-client relationship between “THR”, any employee of, or other person associated with “THR”, and Clients. “THR” has made every effort to assure the information provided is accurate and useful. Notwithstanding, “THR” recommends that Clients consult a lawyer to interpret, and apply the information to his/her specific situation. Clients agree that by using “THR” foreclosure information, and services, under no circumstances will “THR”, or its affiliates be responsible for (1) any information provided, or omitted; (2) Client’s reliance on any such information, whether or not the information is correct, current or complete; (3) any consequences of any action Clients, or any other person takes or fails to take, whether or not based on information provided by, or as a result of the use of “THR” services. “THR” specifies that there is no guarantee, warranty, or implied warranty, with respect to the information services, and that “THR” is not responsible for any loss, injury, claim, liability, or damage (“damages”) related to Client’s use of the foreclosure information, and services provided to Clients.  All sales are final and non-refundable.

INTELLECTUAL PROPERTY You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by THE HOMEOWNERS REVOLT.COM, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of THE HOMEOWNERS REVOLT.COM. For information on requesting such permission, please contact us at support@thehomeownersrevolt.com.

679 Comments »

  1. Comment by revolt — February 10, 2014 @ 4:29 pm

    Sorry for the technical difficulty. Thank you.

  2. Comment by revolt — December 11, 2013 @ 9:12 pm

    Fred,

    Do not be discouraged. Please see the list of cases that homeowners have won from our website. Click here: http://www.thehomeownersrevolt.com/?cat=215 .

    You must understand that each case is separate and distinct from one another, and the evidence is also different. So, you cannot look at a case ruling for quiet title that a homeowner did not win, and get discouraged, because it will not be identical to your case, and the evidence will be different, and if the case was not litigated properly, that will make a difference also. Each case must stand on its own merit. In addition to this, the banks make sure that the cases where homeowner’s lose their cases get publicized in order to discourage other homeowner’s from challenging them, and exposing the banks for the pervasive corruption they have engaged in against homeowners.

    1.A plaintiff cannot quiet title without discharging the mortgage debt. – First, you must understand that the answers to your questions will not always be as simple as you might think, because the laws are complex and different in each state. This statement may be true in one state, and not true in another state. However, in general a quiet title action ask the court to quiet a dispute between 2 parties who both claim to have a security interest in the property.

    Both parties must submit documented evidence to establish that they belong on the title of the property. If the bank fails to provide a documented chain of title showing how they came to acquire ownership of the mortgage, they will be removed from the property title. The issue of discharging the mortgage debt is somewhat of a peripheral issue, as the central issue is whether the bank is a “real party in interest”. Under the law, only a real party in interest would have a right to be on the property title. If the bank is not a real party in interest, then they must be removed from the property title, regardless of whether the debt has been discharged.

    2.[a] mortgagor cannot without paying his debt quiet title as against the mortgagee. – Yes, this is correct. However, a mortgagor CAN without paying his debt, quiet title against a party who is NOT the mortgagee. Remember, the quiet title action argues that the bank no longer owns the mortgage, so if the bank no longer owns the mortgage, it cannot be the mortgagee. Therefore, you CAN quiet title against a non-mortgagee, and in that instance, quiet title is appropriate and legal.

    3.”A quiet title claim seeks to extinguish interests in the property in favor of the interest of the plaintiff. Here, Plaintiff is seeking to extinguish the Trust Deed. ‘To succeed in an action to quiet title to real estate, a plaintiff must prevail on the strength of his own claim to title and not the weakness of a defendant’s title or even its total lack of title.’ Plaintiff fails to assert her own claim to title. She does not allege that the Deed of Trust was not validly executed or that she is not in default under the note. Accordingly, the court rejects Plaintiff’s argument and dismisses this claim. – Here there are a few issues to address. First, the plaintiff lacked the litigation experience to frame her argument properly, because she failed to assert her own claim to title. This does not mean that she could not have won her case, she just failed to litigate it properly. This is what happens with many In Pro Per litigants. Other homeowners look at this and get discouraged that the homeowner didn’t win, and then think that because of this they can’t win, when this is not true.

    Secondly, we don’t know which case you’re citing, or from what state the ruling came from, but we generally would disagree with the court’s position that the bank has no requirement to establish it has a right to title. This position goes against the well established legal doctrine of the “real party in interest rule”. That rule requires that before any party can be heard before the court, they must establish that they have a security interest in the property, or else anyone could show up in court and claim they own your property. The court would ask them who are you, and what documents do you have to prove you own your mortgage. In our opinion, that case seems to have some issues on appeal. However, without a full review of the case, we cannot make a final and definitive determination on the ruling, as the law is complex. One must have all of the information before making a final determination.

    4.quiet title is not a remedy available to the trustor until the debt is paid or tendered. Plaintiff has not paid the loan amount, nor has Plaintiff alleged that he is ready, willing and able to tender the full amount owed. See FARRELL V. WEST, 114 P.2d 910, 911 (Ariz. 1941) (refusing to quiet title until and unless the plaintiff tenders the amount owed, as required in equity). – Here again, the ruling depends on the state, and the circumstances of the case. Again we would need to question how the case was litigated, because the court seems to assume that the bank owns the mortgage. If the case was argued in a way that asserted that the trustor cannot pay the debt or tender the debt, because it is unknown as to who is the owner of the debt, the court would be forced to establish who is the “real party in interest”. This forces the court to adhere to the principals of law, and not just assume that the bank owns the mortgage, but dig deeper to force the bank to prove it owns the mortgage.

    5.”Plaintiff’s argument that the assignment to U.S. Bank was void, and that U.S. Bank and MERS are not beneficiaries fails to support Plaintiff’s claim for quiet title. As discussed above, an assignment of a deed of trust does not need to be recorded in order to be valid, and under the terms of the Deed of Trust, Plaintiff was not entitled to notice of any such assignment. – Here we would just point you to Glaski V. Bank Of America. This is a recent California Appellate Court Case, which ruled in favor of the homeowner. The court ruled that the invalid assignment was void, and as a result the bank could not prove ownership of the debt, and ruled in favor of the homeowner. Click here: http://www.thehomeownersrevolt.com/?cat=267 . We will also send to you via email, the Appellate Court Opinion for your review and insight.

    Additionally, in several states, when the quiet title lawsuit has a cause of action for wrongful foreclosure included, the law does not require the debt to be paid off or tendered. (tendered means you must offer to pay off the debt prior to litigation) Again, this is the importance of how to properly litigate a case, and our documents are drafted with our 16 years of civil litigation experience, so as to give the homeowner the best possible chance to prevail in their quiet title action lawsuit.

    Admin.

  3. Comment by Fred — December 11, 2013 @ 1:43 pm

    Dear Sir,
    I am interested in the Quiet Title action against Wells Fargo, I have been researching and found this information and I would like to hear your opinion upon such, before I make a decision:
    1.A plaintiff cannot quiet title without discharging the mortgage debt.
    2.[a] mortgagor cannot without paying his debt quiet title as against the mortgagee.
    3.”A quiet title claim seeks to extinguish interests in the property in favor of the interest of the plaintiff. Here, Plaintiff is seeking to extinguish the Trust Deed. ‘To succeed in an action to quiet title to real estate, a plaintiff must prevail on the strength of his own claim to title and not the weakness of a defendant’s title or even its total lack of title.’ Plaintiff fails to assert her own claim to title. She does not allege that the Deed of Trust was not validly executed or that she is not in default under the note. Accordingly, the court rejects Plaintiff’s argument and dismisses this claim.
    4.quiet title is not a remedy available to the trustor until the debt is paid or tendered. Plaintiff has not paid the loan amount, nor has Plaintiff alleged that he is ready, willing and able to tender the full amount owed. See FARRELL V. WEST, 114 P.2d 910, 911 (Ariz. 1941) (refusing to quiet title until and unless the plaintiff tenders the amount owed, as required in equity). Instead, Plaintiff asks this Court to invalidate the claims of the beneficiary under the deed of trust. The Court will not indulge this inappropriate use of an action to quiet title.
    5.”Plaintiff’s argument that the assignment to U.S. Bank was void, and that U.S. Bank and MERS are not beneficiaries fails to support Plaintiff’s claim for quiet title. As discussed above, an assignment of a deed of trust does not need to be recorded in order to be valid, and under the terms of the Deed of Trust, Plaintiff was not entitled to notice of any such assignment.
    I am disappointed to see all these court opinions and I stand a little discouraged by it, so your opinion would help a great deal!

  4. Comment by revolt — November 16, 2013 @ 3:22 am

    Victor,

    Please direct your questions regarding the program to your dedicated email consultant at revolt247@gmail.com.

    Admin.

  5. Comment by Victor Hartley — November 15, 2013 @ 6:52 pm

    Recently I purchased the 90 day take back program. On November 1, 2013 I sent out group #1 documents via certified mail with return signatures. On November 12, 2013 Bank of America responded to the QWR with a interest only adjustable rate note that contained a fraudulent signature stamps of Laurie meder Senior Vice President and Michelle Sjolander Executive Vice President. The QWR stated that Bank of America was unable to retain the original promissory note. My question is am I obligated to wait the 60 business days since Bank of America has responded to the QWR?

  6. Comment by revolt — November 5, 2013 @ 10:53 pm

    Singlepaw,

    The Rule 120 Hearing law still requires that the lender establish that it is a real party in interest, with rights of foreclosure, meaning, they still have to prove that they are the rightful owner of your mortgage by documented evidence. You must challenge them to produce documented proof that they are the present owner of your mortgage. In most cases, they have sold your loan, and don’t even own it anymore, but still try to move forward with foreclosing on your home.

    Unfortunately, if you intend to fight for your home, it will cost you some monies. However, you can pursue your fight at a reasonable cost compared to what it would cost to hire an attorney.

    Actually, the fact that Colorado is a public trustee state is very good, as it protects the homeowners from the fraud most independent trustees have been perpetrating on homeowners, such as Bank Of American.

    Bank Of America appoints a company called ReconTrust Company as the trustee, but what they don’t tell you is that they own ReconTrust. So, in fact they have appointed themselves as the trustee, which is actually fraudulent. Therefore, the Rule 120 Hearing structure actually protects you from the fraud that is perpetrated by most banks, in an effort to steal your home from you.

    The first order of business is to gather your evidence against the bank. You will need to order a CERTIFIED MORTGAGE SECURITIZATION AUDIT. We will send you some information on the audit we provide, via your email address. You also need to determine if your loan has been Securitized.

    Securitization is a process whereby the lender has sold your loan to an investment trust, turning it into a mortgage backed security. The lender sells your loan to a Wall Street investment firm, they in turn pool your loan with hundreds of other loans, package them together, and then sells them to investors all over the world. An indication that your loan has been securitized is that your loan servicer has changed from the time your loan was first originated. Here are a couple of links that show you how to look up your securitized loan, and additional information. http://www.thehomeownersrevolt.com/?cat=205; http://www.thehomeownersrevolt.com/?cat=256.

    You will need to file an answer to the Rule 120 Hearing, which we can assist you with at a reasonable fee, once you have gathered your evidence. However, you will need your evidence first, so that you can make your legal argument based on the facts of the evidence. You should also serve the lender with a Qualified Written Request (QWR). This document is governed by Federal Law, and the lender must acknowledge receipt of your request within 20 business days of receipt of that document, and provide information to you regarding your request within 30 days. You can download our QWR directly from our website. It is very inexpensive at $34.95.

    This information should help you get started, by it takes much courage and tenacity to fight these banksters, and you must make sure you’re up for the fight. If you don’t feel that you will be able to afford to fight them on your own, you may consider just moving forward with your life. The fight is not for the faint of heart.

    We hope this information has been helpful.

    Admin.

  7. Comment by singlepaw — November 5, 2013 @ 9:59 am

    I have been fighting all the loan ’servicers’ for BoA, CWABS loan for several years and I am worn out. Does anyone know what will work in the state of Colorado? We are the ONLY state that has the Rule 120 hearings because we are a Public Trustee state. I live in a small mountain town with no lawyers to sit down with me. I need support and am financially strapped. Any advice, recommendations, hand holding, etc… would be GREATLY appreciated.

  8. Comment by revolt — September 10, 2013 @ 11:10 pm

    LDeanTX,

    You should be gratified that you have a very significant amount of evidence against the bank to possibly take your property back free and clear. You can file a quiet title action lawsuit against the bank, and bring all your evidence into the light of day, or in this case the light of judicial justice, and expose them for the massive fraud they have committed.

    Don’t be afraid. Be encouraged that you are finding documented evidence of the truth. However, we recognize that it takes courage and tenacity to fight for your home, and the stress associated with that fight is not something that everyone can handle.

    In the final analysis, only you can decide whether you will fight back, or let them take your home, and move on with your life. We wish you the best with whatever you decide, and should you decide to fight back, we will assist you in any way we can with information, documents, and empowerment from being informed about the options available to you.

    Admin.

  9. Comment by LDeanTX — September 6, 2013 @ 8:04 pm

    Thanks again for your response to me which is #1 of your blog at this time. I am still working hard to move in on Bank of America and I am afraid what they have done I can’t let go. I have been going through the Harris County Land Records that are recorded and I have dug up the most awful information on my property in various places by looking under CWABS 2007-2, Twin Villas @ Red Bluff my Subdivision, Bank of New York Mellon…… sorry do not wish to bore you. Anyway I have found a Assignment to Deed of Trust which was filed 4 years and 9 months after pool closed, and a Appointment of Substitute Trustee which was filed August 9, 2013 signed by Armando Chavez Assistant Vice President by: The Bank of New York Mellon FKA The Bank of New York As Trustee For The Certificate Holders of CWABS Inc., Asset Backed Certificates, Series 2007-2 By Its Attorney in Fact, Bank of America N.A. The last night I decided to do some more searching and went back into the Land Records and found another Appointment of Substitute Trustee document recorded June 10, 2013 signed by Fidencio Lozoya Assistant Vice President yada yada yada….By Its Attorney In Fact, Bank of America N.A. Tonight I am once again going through the Land and County Records and go to search under my name once again and what is called a run sheet is on the screen and so I am studying the run sheet. I see the release where Bank of America paid in full the 20% HELOC or whatever you would like to call it back in November of 2012. That was for Loan #155397463 which Bank of America claimed to be the Investor, owner/holder of the note and it did come from Recontrust with the Blue Ink Copy of the Promissory Note but there were no other endorsements/assignments to Bank of America just a stamp Pay to the Order of Without Recourse Countrywide Home Loans Inc., A New York Corporation Doing Business as America’s Wholesale Lender. Still made me do some thinking and then it dawned on me that 155397447 is the exact same Grantor/Grantees America’s Wholesale Lender; CTC Real Estate; MERS. It hit me like a ton of bricks. So Bank of America/Recontrust are holding on to blue ink copies of the promissory notes at Recontrust. These notes have not been sent anywhere but because Recontrust has possession of the notes they are doing whatever they want however they want. How can you pay off one note 100% Paid in Full on 155397463 when it is identical to 155397447 but yet Bank of America was the Investor of 155397463 and Bank of New York Mellon was the so called investor of 155397447. The Release of Lien in the Land and County Records is signed using Initals for Trisha Baca, Assistant Vice President Bank of America N.A. Notary Corey Kowalsky Notary out of Arizona. One Appointment of Substitute Trustee document dated June 10, 2013 reads after recording return to Recontrust Company and the Appointment of Substitute Trustee dated August 9, 2013 reads When recorded return to LPS Agency Sales and Posting Inc 3210 ElCamion Real, Suite 200, Irvine CA. I have a letter from Bank of America dated August 16, 2013 which stated the foreclosure was stopped but now I have these Appointment of Substitute trustee documents recorded twice in the Land Records, and can’t see how one note with the same exact Grantees can be owned by Bank of America and another be owned by Bank of New York Mellon and there are no endorsement or assignments to the natural record. Now we know America’s Wholesale Lender was never a Corporation operating under the Laws of New York (this is a dba or trademark name) So how did America’s Wholesale Lender transfer sell of the note to MERS as Nominee and Beneficiary? When did MERS sell the note to Bank of New York Mellon? When did Bank of New York Mellon sell the note to CWABS Inc etc.. and Recontrust is holding the note themself? And now comes the even scarier part of it all the Limited Power of Attorney filed in the Land Records which I located under CWABS and this document was created by the Bank of New York Mellon giving Power of Attorney to LSP Title Agency listing all of the CWABS Pools stating that SLS will be the true in fact attorneys and agents with full powers of substitution and resubstitution for and in the name place and stead…. So confusing but has scared the living crap out of me. Furthermore the signature of the Notary Leslie Jo Lovell-Breedlove on the Appointment of Substitute Trustee documents are not the same. These signatures are forged. I am so confused and scared now and do not know where to turn. Recontrust/Bank of America/Bank of New York Mellon have made a mess of everything and the Limited Power of Attorney by Bank of New York was filed 12/06/2012 which is now 5 years and 11 months after the pool CWABS 2007-2 has closed. What a mess and oh how I want to close my eyes and rest but I can’t stop checking records and finding lies after lies and deception. Nobody can be trusted. Nobody and the Land and County Records are just filing records and not looking at anything. Armando Chavez who signed the Appointment of Substitute Trustee on 8-9-2013 has taken so many properties under his name that he now has a 3 million dollar lien filed on him for tax liens of all of these properties and this was filed on him by the U S Attorney here in Harris County but Bank of America is using his name. I printed out 29 pages of run sheet which list his name MERS, Chase Bank, Wells Fargo, HSBC, Bank of New York Mellon and on and on. Now I have so much information and am totally overwhelmed and in shock. There is fraud everywhere and nobody to stand up for the homeowner.

    Scared and Confused :-(
    LDeanTX

  10. Comment by revolt — August 21, 2013 @ 11:21 am

    LDeanTX,

    First of all, you have done some excellent due diligence in determining the fraud, which BNY Mellon is attempting to commit. Although you are in Texas, there was a recent case in California, which ruled in favor of the homeowner, based on the invalid Assignment Of Trust Deed. Click on this link to read the article from our website. http://www.thehomeownersrevolt.com/?cat=267

    You will need to file a Quiet Title Action Lawsuit to stop them from foreclosing, or you can file for Bankruptcy, and fight them in the BK court. Many homeowners, and many Bankruptcy attorneys, don’t recognize you can file something similar to a civil lawsuit in the BK court, called an Adversarial Proceeding. It functions exactly the same as a civil lawsuit in a civil court.

    You will be able to challenge the lender in the BK court, with all of the same evidence you have now. Your argument would be that BNY Mellon is not the owner of your mortgage, and has no rights of foreclosure. The court would then force them to prove, through documented evidence, and a clear chain of title, that they in fact are the owner of the mortgage, or in legal terms, that they are a real party in interest, with legal standing to pursue foreclosure.

    If they cannot produce the evidence, their foreclosure case is dismissed. With the Quiet Title Action Lawsuit, should the lender fail to produce the required evidence, the court will have them removed from the title, leaving you on title receiving the property back free and clear of any liens or debt.

    We can customize a Quiet Title Action Lawsuit for you, should you decide to pursue that action. Finally, we are not sure what your timeline is regarding any foreclosure sale, but if you have enough time, at least 90 days, you can order our “90 Day Take Back Program”. This is an administrative process, which revokes the trustees authority to conduct a power of trustee sale of the property. Please review the “90 Day Take Back Program” parts 1 & 2 from our website, which will provide you with a comprehensive explanation of how the program works. Click here: http://www.thehomeownersrevolt.com/?cat=36 and http://www.thehomeownersrevolt.com/?cat=37

    You may also need to order our CERTIFIED MORTGAGE SECURITIZATION AUDIT. Although you have gathered some information, you need to have as much evidence as possible against the lender, in order to prevail in your Quiet Title Action Lawsuit against them. Visit our website for audit information.

    You will have to fight to save your home, and you clearly have enough evidence to challenge the bank. We can also refer you to our affiliate law firm, should you prefer to seek legal representation for your case. Just click here: http://thehomeownersrevolt.legal-armor.com

    We hope this information has been helpful.

    Admin.

  11. Comment by LDeanTX — August 20, 2013 @ 10:04 am

    Your website responded to me back in November 2012. You are comment 41 in reference to my comments I made on this wonderful website. I am loosing wind in my sail and need some guidance if at all possible. You see, I received in writing from Bank of New York Mellon that they are not owner/loan or property nor do they have say in Loan Modifications. However, it appears that Bank of New York Mellon and Bank of America conspire together to commit fraud. My Loan as I stated before is in CWABS 2007-2. The Pool closed February 28, 2007. Yesterday, August 19, 2013, Recontrust Bank of America’s Foreclosure department sent me two documents stating they had all legal standing to foreclose. One document was the Appointment of Substitute Trustee dated June 10, 2013 and the other Assignment of Deed of Trust which was filed with Harris County TX Land Records October 4, 2011. This is over 4-1/2 years after the pool closed. The Assignment to Deed of Trust is signed by MERS and notarized by a notary in Arizona. I guess that is no big deal but I just find it strange that I am here in Texas and Recontrust is also here in Texas but the document is notarized in Arizona. This assignment to Deed of Trust is not filed with my land record(s) but is filed separately. Had I never received this document, I would have never known it was there. So Bank of America is speeding up foreclosure on behalf of BONY Mellon, CWABS 2007-2 and I feel this is not a legal foreclosure. First of all Bank of America/Recontrust/CoreLogistics/Bank of New York Mellon/America’s Wholesale Lender are facing some issues that they are not addressing.

    The issues I feel they are facing is #1 America’s Wholesale Lender Existing under the Laws of New York January 2007. From what I have researched, America’s Wholesale Lender a Corporation did not exist or have a License to exist/operate in New York in 2007. Maybe Countrywide dba America’s Wholesale Lender but not as a stand alone corporation. #2 The Pooling and Service Agreement states that the Assignment to the Deed of Trust/Promissory Note endorsements/assignments had to be with the pool before it closed February 28, 2007. According to the date of the Assignment to Deed of Trust filed with Harris County TX, this did not happen until October 4, 2011. Bank of America/Bank of New York Mellon/Recontrust/CoreLogistics all feel they do not have to follow the rules of the Pooling and Service Agreement. Mortgage Electronic Registration Systems did not record the assignment until then. I am still living in this house and I want to stop this foreclosure.

    Can you assist me and advise if anything I have told you will be beneficial in stopping this foreclosure?

    Thanks

  12. Comment by Ann — August 16, 2013 @ 9:21 am

    Sean, I am was actually in default when I sent my QWR, but my point was they did not bother to respond to the QWR at all, sorry for the confusion. I have since cured the default because I’d rather fight them while I have the upper hand.
    Ann

  13. Comment by revolt — August 14, 2013 @ 11:32 am

    Sean,

    Yes, its your paranoia running rampant, but its an understandable concern, and an important question that should be answered. And that answer is, that as long as you are paying your monthly payment, our process will not trigger what’s called the “Due On Sale” clause in the trust deed or mortgage deed. This is where they can call the loan due, and force you to pay the entire amount off.

    However, again there is no legal justification that would allow them to force you to pay the full amount of your loan as long as you are making your monthly payments, and are not in breach of the trust deed or mortgage deed provisions.

    Our process does not put you in breach of any of those provisions. So, you’re good to go!

    Admin.

  14. Comment by revolt — August 14, 2013 @ 11:21 am

    Sean,

    You must always send your QWR Certified Return Receipt Mail, so you will have proof of service and receipt of service. Secondly, we have no way of knowing if they disabled your online account, but anythings possible, and we do not doubt what lengths they will go to screw over a homeowner, as they have already been caught perpetrating the most scandalous of legal violations.

    Admin.

  15. Comment by Sean — August 13, 2013 @ 4:33 pm

    Another Small Update…

    I sent the basic note email a few days ago and now I can’t log into my BofA account. This is where I manage my mortgage payments and send them in once per month. All of a sudden, I can’t log in. Each time I try, it says “Sign Off Successful”. Very odd.

    Your thoughts? Would they disable my mortgage account because of that email so it’s more difficult for me to pay, do you think?

    I thought this was EXTREMELY odd that I can’t log in. Perhaps it’s nothing, I’ll try again tomorrow. Fortunately, I already paid for the month and have confirmation of that.

    -Sean

  16. Comment by Sean — August 13, 2013 @ 4:19 pm

    I got your emails and read your response. Just awesome! Thank you so very, very much. I plan on going forward very soon with this. More people need to know about this website and the possibilities to put the banks in the spot light.

    I also have another question going forward. If I proceed, can the servicer or lender start proceedings to make me pay the entire loan for some obscure reason?

    I only ask because Ann just said she sent in a QWR and her servicer responded with a NOD…. perhaps I misunderstood her situation and she is already in default and they simply responded again with an NOD.

    I most definitely don’t want to proceed with this only to have it turn around and bite me in the butt because I challenged them and now they want the whole amount versus just the monthly mortgage payment. Is this possible or is my paranoia running rampant?

    I.E. If I can proceed and simply fail with my challenge, I will proceed as there is no actual risk. If I fail and can lose my house because of that failing, not sure if it’s worth the risk.

    I honestly don’t see how this would be possible — as they would just prove they ARE the note holder and I would continue with my payments — but it’s worth asking just in case.

    Again, thanks so much for this website and you’re super swift responses!

    -Sean

  17. Comment by revolt — August 13, 2013 @ 10:06 am

    Ann,

    However, don’t think that the QWR is useless. Many times the lender will reveal the name of the lender who your loan was sold to, and this is also very critical evidence you will need, in order to follow the chain of title to your mortgage, and discover who actually owns your mortgage, and how they came to be in possession of it.

    Admin.

  18. Comment by revolt — August 13, 2013 @ 10:02 am

    Ann,

    The discovery request document is a judicial document request. Meaning, this document is to be used when you are in a judicial foreclosure state, where the lender is required to file their foreclosure complaint with the court, making it a judicial foreclosure process. Or in a non-judicial state, where you must file a lawsuit against your bank, in order to place your case in a judicial court proceeding, so that you can have the court force the lender to provide the documents and evidence you are seeking.

    Essentially, although the lender is required by Federal law (RESPA) to provide you with the information requested in your QWR, the reality is that the lender rarely ever fully complies with your QWR, as it would incriminate them, and provide you with powerful evidence against them. So, they are very cleaver to avoid providing you with the critical documents you request.

    Only in a court of law (through the judicial process) can the lender actually be forced to hand over the documents and evidence you are seeking to support your case.

    Admin.

  19. Comment by Ann — August 13, 2013 @ 9:39 am

    I sent my servicer QWR and they responded with a payoff letter and a NOD. Can I also use the discovery request document? I plan on also having an audit and filing a securitization law suit.

  20. Comment by revolt — August 12, 2013 @ 11:04 am

    AJ,

    Your lender is full of B.S. Without a beneficial ownership, or security interest in the property, they cannot hold any legal title. In order to force the lender to hand over the evidence you are requesting, you need to serve them with a judicial request for documents, and file a copy with the court. This way if they refuse to provide what’s called discovery documents, you can then file a motion to compel discovery, and the court will force them to provide the documents.

    We should have those discovery request document uploaded to our site shortly. Also, if you have the full name of the securitized trust, in this case Lansdown Securities full name, you can order our CERTIFIED MORTGAGE SECURITIZATION AUDIT. This will provide you with critical information on the securitized trust, regarding all of the entities involved in the securitization process, whether your note was properly transferred to the trust, what the trust cut-off date was for that transfer, and chain of title information.

    With the audit, you don’ have to beg the lender to give you the information you seek, you do your own research and find it yourself. After this, you are no longer at the mercy of the lender. They’re not going to voluntarily give you information that would expose their fraud. You’ll have to get that yourself whenever possible, and the audit is one way of accomplishing that goal.

    Admin.

  21. Comment by AJ — August 12, 2013 @ 8:36 am

    Hi, I found my loan in a propectus for lansdown securities i challanged my lender(subprime) which they stated that while the beneficial ownwership was transferred they hold the legal title to my loan
    I Am appealing a judgement against me to the supreme courts as a lay defendant
    I have asked numerous times for my lender to show me the paper chain for the securitisation but they say they will not give me any internal business papers as it doesnt conern me

    Any advice i would be so grateful

    Thank you in advance aj

  22. Comment by revolt — August 11, 2013 @ 6:41 pm

    Sean,

    Documents you can start with are our QWR, and our CERTIFIED MORTGAGE SECURITIZATION AUDIT.

    Should the evidence gathered from both of these documents establish that the lender cannot produce any documented evidence of ownership of your mortgage, you can consider downloading our “90 Day Take Back Program”, which is a title reconveyance program, and does not require a judicial action, which means you don’t need to go to court using this process. It is purely an administrative process. (Please read The “90 Day Take Back Program” parts 1&2 from our website for a comprehensive understanding)

    If you decide you would like to sue them, you can utilize our “Quiet Title Action Lawsuit”, or if your loan was securitized, you could utilize our “Securities Fraud Lawsuit”. The evidence you acquire will help you decide which might be your best option for success.

    As for showing you the promissory note, each state has it’s own specific laws regarding whether the bank is required to produce the note. However, although there have been some rulings in some states that the note is not required to be produced, this is a cleaver little trick used to discourage homeowners from challenging the banks on this basis, because it is a universally accepted legal doctrine that a party must establish legal standing to be heard by the court, and must also establish that it is what’s called a “real party in interest”, which means that they must establish that they have some form of security interest in the property, in order to claim any ownership over the property.

    So, how does a party prove they are a real party in interest? By producing documented evidence, which establishes an ownership in the property. What are the documents required? The promissory note, or a chain of title of documents, which establish that parties authority to enforce the promissory note. In essence, this still requires them to produce the promissory note, or track back to the chain of title from the promissory note.

    So, it’s a cleaver little legal distinction when some courts state that the bank is not required to produce the promissory note, but yet they must produce it, or track back to it, to establish that the bank is a real party in interest, with legal standing to pursue foreclosure.

    Admin.

  23. Comment by revolt — August 11, 2013 @ 6:03 pm

    Sean,

    We are in agreement with you about Countrywide and BofA. However, they are by no means alone in the scandalous behavior by the big banks, as evidenced by the $25 Billion settlement of the lawsuit filed by all 50 state attorneys general against them.

    You can start attempting to get preliminary information from BofA be sending a Qualified Written Request (QWR), however it needs to be a quality QWR, which includes all of the required legal authorities, so that your QWR will be taken seriously. Download a QWR from our website. The difference between our QWR, and other basic ones you might find on the Internet, is that ours was designed with the advantage and insight gained from our 16 years of civil litigation experience, and contains all of the legal authorities you will need, and ask for the critical documented evidence you will need to develop a powerful case against the bank.

    Also, the odds are extremely high that the lender cannot produce your promissory note. However, they use a series of cleaver tricks to avoid having to produce it, and you must know how to conduct discovery that forces them to comply with your request, or be found guilty of Federal violations, and/or be exposed for fraudulently attempting to foreclose, or in your case fraudulently attempting to collecting a debt, which was never owed to them.

    As to what to look for in a response from BofA, our QWR ask for a copy of the assignment of trust deed, and all documents of the chain of title of the property. You can expect that they will try to avoid providing you with any information, as this helps to incriminate them in a court of law. However, one thing to look for is whether or not there was any indication that your loan was securitized. Our QWR ask for information identifying the present owner of the mortgage. If they provide the name of a trustee on behalf of a securitized trust, then you will know that your loan was sold and securitized. At that point you can begin to investigate the securitized trust. We can assist you with that by your downloading our CERTIFIED MORTGAGE SECURITIZATION AUDIT. We’ll send you some information on our audits via email.

    As for continuing payments, we believe that by doing so, this allows you to pursue your investigation of the bank, without any added pressure of foreclosure threats, and your continued payments should not jeopardize any legal actions you may consider taking in the future against the bank.

    Finally, you are absolutely justified in being upset with the thought that the bank would deceive you into paying them money you don’t actually owe them, and being concerned that another lender could show up claiming that you owe them as well. It is unconscionable and scandalous that banks would perpetrate such fraud, but it is more pervasive than the general public, and most homeowners would believe.

    Finally, once you have gathered your evidence against the bank, you can then file a Quiet Title Action Lawsuit against the bank, and have them removed from your property title, receiving your property back free and clear of any debts or liens. A Quiet Title Action Lawsuit ask the court to quiet a title dispute between 2 parties. The court will ask both parties to produce evidence that they are the rightful owner of the property. If the bank fails to prove it owns your mortgage by producing documented evidence, they will be removed from the title of your property.

    You will also received 3X’s the existing loan amount in statutory penalties, and punitive penalties may also applied. It could end up being a pretty penny should you prevail.

    Our major purpose for creating our site was to make it affordable for homeowners to fight back against these corrupt banks, many attorneys, and a judicial system that makes it difficult for American citizens to acquired justice, solely based on a systemic structure that only provides justice for the wealthy. We are trying to level the playing field for all American Citizens across the Nation.

    We hope this information has been helpful and informative. Thank you for your comments, questions, and for visiting the MOST POWERFUL foreclosure fighting document site on the Internet! THE HOMEOWNERS REVOLT.COM!

    Admin.

  24. Comment by Sean — August 11, 2013 @ 1:06 am

    Wanted to be a bit more thorough with my next post and questions so nothing is left out….

    Situation: We are completely up to date on all mortgage payments. Never missed a payment and are in good standing. We live in TN.

    Our Goal: Find out who actually holds the note and if BofA is legally the “note holder”. The original holder was Countrywide.

    My Request: Since this isn’t a foreclosure scenario, what documents do I need to get them to prove they are holding the note and I rightfully owe them payments? Should I expect to go to court over this?

    Should this be a lawsuit? I.E. If they don’t hold the note and can not prove that they do, can I sue for all payments sent? As these payments would have been collected illegally, correct? From what I have read, they don’t have to actually show me the note just for my asking (and they won’t). It has to be in court, in front of a judge (one that’s not bought and paid for). Is this correct?

    Thank you very much for your time!

    -Sean

  25. Comment by Sean — August 10, 2013 @ 11:16 pm

    I’ve been scouring the internet for “show me the note” information and this is the jackpot. I’m in the process of sending Bank of America an email requesting to “show me the note”. I got a template from another site that’s pretty basic and just requests the note to be sent. Very basic and it’s just a request, nothing real fancy. I don’t know if they’ll even reply, but I figure it’s a start.

    Our mortgage was with Countrywide, one of the biggest scammers of the bunch. They were absorbed (is that the word?) by BofA and I know they are having foreclosure troubles around the Country. I read the article about them STOPPING foreclosures in many states because of the “Show me the Note” strategy, so that’s why I started looking into this.

    While I know you aren’t all knowing, would you say that the odds high that I have one of these “lost note” mortgages if it’s from Countrywide circa 2007? From what I have read, they are the scum of scum in the mortgage industry.

    I know they were slicing and dicing these up left and right, so I would assume ours is lost as well and BofA is collecting on a debt that isn’t theres to collect on.

    Is there anything I should look for in BofA’s response email (if I get one). Any wording or refusals I should be wary of?

    If I don’t get a response email in, say, 30 days, should I use one of your documents and go from there?

    Also, I would imagine that I should continue paying my mortgage to avoid “problems” if they do indeed have the note, correct? Or would that in itself be a problem and some sort of “admittance” of the debt?

    I am ready to fight this all the way. While I am current on my mortgage, the idea that I’m paying some company that doesn’t even hold the note to my mortgage sickens me to no end. Essentially, I can pay them the whole shebang and then have another person who actually holds the note tell me I actually owe THEM. This worries me greatly and makes me think I’m just burning my money. The other scenario of course is that no one owns the note and I’m paying a company for nothing and just being a sucker.

    Anyways, thank you very much for your time and SUPER thanks for this amazing website.

    If I can really do this all on my own with your documents, I’m going to. Beats paying for the costs of a lawyer for a 3 year fight (if it turns out that long)

    -Sean

    P.S. Offering to put the money in a trust until the “note” is found, would that give your case a better leg to stand on?

  26. Comment by revolt — August 7, 2013 @ 11:58 am

    Jim M.

    Most BK lawyers are not familiar with how to fight a foreclosure in the BK court, and usually don’t want to be bothered with having to do so. They usually want to get their BK filing fee, and move on to collect their next fee.

    We don’t know the level of competency of your BK lawyer, but you will need to test it. However, before you can do so, you will need to perform some research of your own, because you will need to direct your attorney as to how you would like to defend your BK case, and you will need some information and evidence to establish what your legal argument will be, and the merits of your case.

    At that point you can direct your attorney in how to defend your BK case, because you will have the evidence to show him that your arguments have merit, backed by documented evidence.

    If your loan was securitized, meaning sold into an investment trust, we recommend that you order our CERTIFIED MORTGAGE SECURITIZATION AUDIT. The importance of this is that you must have information and evidence of who actually owns your mortgage, when it was sold, and was the proper chain of title conveyed. The audit will provide this evidence and information for you.

    As for the “Transfer of Claim Other than for Security”, this indicates that the original creditor has transferred the debt claimed, to another entity. The form that was filed will indicate who the claim was transferred to.

    Admin.

  27. Comment by Jim M. — August 7, 2013 @ 9:46 am

    Revolt,
    Yes. We do have a BK lawyer and the motion to lift stay has not been filed. I received the pacer.gov mail with my login, looked at my dockets and found that lender filed this “Transfer of Claim Other than for Security” Can you please explain this? Is the loan unsecured? We would like to be prepared and are at a lost where to start? Should we send a Debt Validation letter to lender? Do a County Registrar Search?
    Thanks again for your help,
    Jim

  28. Comment by revolt — July 30, 2013 @ 10:57 pm

    Jim,

    Our apologies. The document has not been uploaded to our site yet. We will work on uploading it to the site within the next 72 hrs., and will notify you when the upload has been completed.

    However, since you filed for BK back in September of 2012, what is the status of your BK case? Do you know whether they have filed the “Motion To Lift Stay” already? Is there an attorney working with you in the BK Case?

    This information is needed in order for you to determine what your most appropriate course of action should be. Also, you do not want to wait to be notified that the automatic stay has been lifted. Your objective is to stop the automatic stay from being lifted. As long as the stay is in place, your property is protected from any foreclosure actions.

    You must be proactive. Don’t wait to be notified. Check the court docket, which outlines all pleadings and documents filed in your case, and review it to see what has transpired in your case. Don’t wait for any notification, as the banks are extremely corrupt, and routinely violate the law, the rules of procedure, and may not notify you at all, hoping you will not find out a document was filed until its too late for you to oppose it. Then they get a judgment against you without your having a chance to stop it.

    You have to stay on top of everything.

    Admin.

  29. Comment by Jim M. — July 30, 2013 @ 10:23 am

    Revolt,
    Thanks for your guidance on my situation. I’m unable to locate form Opposition To Motion To Lift Stay. I would like to be prepared once I been notified of the automatic stay is lifted. Can I file this or will I need an attorney?
    Thank you again for your help,
    Jim M.

  30. Comment by revolt — July 29, 2013 @ 8:13 pm

    Jim,

    It means your loan was securitized into an investment trust. Securitization is a process by which hundreds of loans are pooled together, placed into an investment trust, and then converted into securities called certificates, and then sold to investors on Wall Street and all over the world for billions of dollars.

    Essentially, this means your loan was sold to the investment trust, and your original lender is no longer the owner of your mortgage. However, when the loan is sold, the loan servicer retains the rights to service your loan, meaning the collection of payments, and all other issues regarding the servicing of your loan.

    In all of the cases we’ve seen, and that has been hundreds, the securitization process was conducted illegally, leaving the trust vulnerable to be challenged, as to whether they can actually prove they are the true owner of your mortgage. Only then do they have the right to foreclose on your property, and they must prove their rights by producing documented evidence of ownership, which in practically all instances they cannot.

    The reason why there is no single investor on the loan is because in the securitization process, the loans were split up into certificates and sold off to thousands of individual investors.

    Since you are in the BK court now, it is likely that the lender will move to lift the automatic stay provisions, which stop all foreclosure proceedings, and try to move forward with the foreclosure action.

    If that happens, you will need to file an Opposition To Motion To Lift Stay, which can be downloaded from our website. Secondly, you will need to gather your evidence to support your argument that the trust is not the true owner of your mortgage and has no rights to foreclosure, by ordering a CERTIFIED SECURITIZATION AUDIT, which will provide you with the evidence needed in order to keep the trust from lifting the stay, and moving forward with the foreclosure action. The audit also can be ordered through our website.

    Finally, you have the option of filing what’s call an “Adversarial Proceeding” in the BK court. This is almost the same as filing a lawsuit against the bank in the BK court. This proceeding will assert that the trust is attempting to fraudulently foreclose on your property, and force the trust to prove by documented evidence that they are the true owner of your mortgage with the rights of foreclosure. Because the BK court is a consumer protection court, in may cases your case is seen in a more favorable light, than in a civil court. We can also assist you with drafting that particular document, but it must be customized to your specific legal scenario.

    These are options, and defensive strategies, which are available should you care to implement them. We hope this information has been helpful in empowering you with knowledge about your specific foreclosure situation.

    Admin.

  31. Comment by Jim M. — July 29, 2013 @ 9:57 am

    Hello,
    I came across your website and in need of guidance in my situation. I live in Southern California in 91915. Here’s the mortgage background:
    We purchased our home in 2004 through Wells Fargo (with 10% down) and had refinanced twice both in an Neg. AM type loan. Home value is upside down 100K+.
    1st Servicer American Home Mortgage Servicing (AHMSI)gave me a loan modification “Step Interest Rate” in March 2010. In 2012, I requested a loan modification again due to loss of income and request if they can lower the principle to today home values. Then a change of servicer notice received that my loan will be serviced by Ocwen. I have submitted several loan modification applications to Ocwen and got denied. The Step Interest rate is increasing and I was getting way behind in my payments and we decided to file for Chapter 13 BK in Sept. 2012 to temporary stop foreclosure. Been dealing with Ocwen Relationship manager and requested owner information on the loan. I received a letter response: “There is no single investor on the loan. The loan is one of many in a securitized investment trust: American Home Mortgage Assets Trust 2006-3, Mortgage-Backed Pass-Through Certificates Series 2006-3. Ocwen is the servicer of the loan, and not necessarily the owner of the loan. Although ownership of the loan may change, the ownership has no bearing on the servicing of the loan. As the servicer of the loan, all issues regarding the loan should be forwarded to Ocwen for an appropriate response.” What does this means? What choices do we have? Please advise.
    Thanks for your time.
    Jim M.

  32. Comment by revolt — June 24, 2013 @ 6:41 pm

    Ann,

    We can customize one for you. Just let us know, and we’ll send you out an invoice. Once we receive your paid invoice, we begin customizing your document, and then within 7-10 days we complete your document. We then send it directly to you via email upon completion. If you need the Quiet Title Action document customized, just email your request to: revolt247@gmail.com

    Admin.

  33. Comment by Ann — June 24, 2013 @ 7:32 am

    do you have a quiet title for NC?

  34. Comment by revolt — June 19, 2013 @ 10:33 pm

    You can download our Predatory Lending/Quiet Title Action Lawsuit. Please let us know what state your property is located in.

    Admin.

  35. Comment by Lis — June 19, 2013 @ 8:47 pm

    Hi,
    Under the national mortgage settlement I received a measly amount for a foreclosure happened in Oct 2010- I was evicted in April 2011. This was due to robo-signing that happened. Do I have any recourse? Do you have anything to file my own independent claim?

  36. Comment by revolt — June 15, 2013 @ 11:38 am

    We received your email today and will respond ASAP!

    Admin.

  37. Comment by Don — June 15, 2013 @ 4:37 am

    Matt I have been trying to reach through e mail to get a phone consultation. But failed. I will send another e mail today. Please respond. Thanks for your time. Don H. from New Jersey

  38. Comment by revolt — June 3, 2013 @ 1:22 pm

    Roxana,

    From what we understand of your comments, it seems you are in a very positive position. You have a court order dismissing the foreclosure case filed by Wamu. You also have a voluntary dismissal filed by Chase. Neither Fannie or Freddie appear to own your loan, and it does not appear that your loan was securitized.

    So far, this is very positive in that you are in a position to possibly take your property back free and clear of any mortgage liens, as none of the lenders can seem to produce the required documents, which would establish they have any ownership of your mortgage. We would love to know what state you are in, as you were treated very fairly by the Judge who refused to allow the bank to file the inadmissable copy of the Promissory Note.

    Many Judges in various states have tried to deny homeowner’s of their legal rights when they have challenged the authenticity of the alleged “original” wet ink promissory note. You are very fortunate that you had an honest, and uncorrupted Judge. Please provide us with your state, and the name of the Judge, so we can give that Judge the proper credit he/she is due. If you have a copy of the Wamu dismissal, that would be helpful as well. It will inspire other homeowners to know that it is possible to WIN when fighting for their rights in a court of law. Good for you!

    As for Chase initiating a foreclosure, they could do so, but it doesn’t seem likely, since they have not tried in 2 years. However, we know of cases where they waited over 2 years, and then still initiated a foreclosure attempt. They take that time to create newly forged documents in order to justify foreclosure.

    However, by law if they cannot produce a valid assignment, they cannot claim any ownership of your mortgage. Again, we need to know the state you’re in to establish what the statue of limitations is in your state.

    However, you still need to be proactive, as the banks have forged, fabricated, and submitted fraudulent assignments in order to establish their right to foreclose on tens of thousands of properties, and this is partly why the entered into the recent $25 Billion settlement with the government, in order to cover up their wrongdoings.

    You need to move forward with a strategy to finally be rid of the threat of any future foreclosure attempts. You may want to consider our “90 Day Take Back Program”. It is an administrative process that enables you to 100% legally reconvey the property title back into your name, and removing the lenders from your property title.

    Go to our website and read the “90 Day Take Back Program” Parts 1 & 2. It will give you a comprehensive explanation as to how the program works, and on what legal basis it is established. It was designed in strict compliance with all state and Federal laws.

    Keep us posted on your progress, and thank you for posting your comment on our board.

    Admin.

  39. Comment by Roxana — June 3, 2013 @ 8:16 am

    Hello,
    I have a Wamu loan that originated on 09,2007 due to medical reasons I stopped paying on 01, 2008 & I received a notice to accelerate between April & June (I can’t find the notice :C Wamu filed the lis pendings on August 20, 2008. They claimed the “lost note” and after I contested it they claimed to have filed the “original” which turned out to be a copy.The case was dismissed by the judge for lack of prosecution in 01,2011. Chase filed a voluntary dismissal on April 2011. Since then Chase hasn’t tried to foreclose, I tried searching for my loan on the SEC Website but saw Wamu’s last filing were from 2007 but I think the last month I saw was June & my loan closed on Sept.
    Checked clerk’s records & there’s no assignments recorded, Fannie & Freddie are not the owners of my loan & nothing on MERS.

    My note was :P ay to the order of Wamu without recourse & is signed.

    Can Chase initiate foreclosure if they have no assignment, no original note & statute of limitation (if the clock starts from default or accelaration notice) expired ?
    What do you suggest I do ? Send a QWR ? or tell them they are in violation of the fair debt collection act ?
    Both my husband & I are disabled & really could use some guidence.

    Thanks !!!!!

  40. Comment by revolt — April 26, 2013 @ 9:05 pm

    Connie,

    Yes, the Quiet Title Action Lawsuit document comes with instructions on how to file with your local court.

    Admin.

  41. Comment by Connie — April 26, 2013 @ 12:05 pm

    Does your “Quiet Title Action” program include some of the procedural steps to take when filing and dealing with the courts?

  42. Comment by revolt — February 23, 2013 @ 2:25 am

    Ervin,

    The administrative procedure is completely different and separate from the judicial procedure. So no, the quiet title action does not include the administrative procedure documents.

    Admin.

  43. Comment by revolt — February 23, 2013 @ 2:22 am

    Peter,

    Well you could do this, but there are legal methods that would better serve you.

    Admin.

  44. Comment by revolt — February 23, 2013 @ 2:19 am

    Peter,

    Good for you. Let us know if we can assist you in any way.

    Admin.

  45. Comment by ervin — February 22, 2013 @ 5:36 pm

    Hi,

    I recently a comment, I did an administrative procedure with another company. Of course, the banks ignore me, so I need help in getting judicial closure. You recommended quiet title action, but does this include the administrative procedure documents? Please respond, it is urgent!

  46. Comment by peter — February 22, 2013 @ 4:22 pm

    If anyone is tired of getting calls from the servicer, I have a sure way to stop them in their tracks.
    When they call and ask for you and you reply, they then will state that this conversation may or may not be recorded for training reasons.
    If you want to mess them up I always asked, Well which is it, yes or no.
    They are required to tell you what they intend to do.
    When the idiot says yes we will be recording it……
    Your reply should be… Hold on a minute so I can get my recorder as I will be recording this conversation as well.
    They usually will come back with we do not participate in that and if you really piss them off they will ask you to refrain from doing so.
    I then thank them for calling… Drive them nuts

  47. Comment by peter — February 22, 2013 @ 4:15 pm

    I can tell you this, I will not be run out of my house and the bank has serious problems with fraud and disception

  48. Comment by revolt — February 14, 2013 @ 3:16 pm

    Ron,

    We are working on setting up an affiliate program, but do not have one at this time. Thank you for your interest.

    Admin.

  49. Comment by revolt — January 8, 2013 @ 12:10 pm

    Thank you for your visit and your comment.

    Admin.

  50. Comment by revolt — January 4, 2013 @ 12:55 pm

    Thank you for your visit, and your comment.

    Admin.

  51. Comment by bankruptcy attorney Sacramento — January 4, 2013 @ 12:12 pm

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    I will be sure to bookmark it and come back to read more of your useful info.
    Thanks for the post. I’ll definitely return.

  52. Comment by revolt — November 29, 2012 @ 1:02 pm

    LDean TX,

    You have done some very important homework on your mortgage. Your hard work and tenacity is to be applauded. Your loan has been securitized into an investment trust. The trust appointed a trustee as the administrator of the trust. (BONY) Your loan was supposed to be place into that trust, along with hundreds of other mortgages and promissory notes, and then they were to be converted into securities/stocks, and sold to investors all over the world, in the form certificates.

    The true owners of your mortgage, which in fact is no longer a mortgage, because it was converted into a security/stock, is the certificate holders. It is not likely that they will ever show up to pursue a foreclosure on your property. Therefore, BofA is not what’s called in the legaleze, the real party in interest, or holder in due course of the promissory note, with any legal standing to pursue foreclosure, and their attempts to due so constitutes fraud.

    Additionally, if the substitution of trustee was forged, it is invalid, and Recontrust does not have any legal authority to conduct a trustee sale of the property.

    Also, was there an Assignment Of Trust Deed recorded with the land and county records office? As there must be an assignment of trust deed in the chain of title, which transfers the security interest in the mortgage to the investment trust, prior to the trust cut-off date. If not, then the securitization was invalid, and the trust cannot prove that the mortgage or promissory note was ever entered into the trust, and therefore the trust cannot prove ownership of your mortgage either. There are apparently an abundance of flaws in the paperwork, and chain of title, which can be attacked in defense of your possible foreclosure.

    At this point we can recommend 2 options we have available to assist you, our “90 Day Take Back Program”, which legally allows you to rreconvey the property back into your name in order to stop the foreclosure, and our “Certified Mortgage Securitization Audit”, which will provide you with a full and complete chain of title, a robo-signer analysis of all documents filed in the record, a notarized affidavit from our Certified Auditor, which is the same as written testimony under oath to all of the evidence and facts revealed through the audit, and all of the legal authorities to assist you in understanding the securitization laws.

    It provides you with the critical evidence you need in order to create the leverage you need to make the bank back off, or negotiate a settlement with you, if that would be desirable to you. However, with this evidence, you could also file a quiet title action lawsuit against them. A Quiet Title Action Lawsuit ask the court to quiet the title dispute. The court will make both side present their evidence as to any ownership of the property, and when the bank cannot prove their ownership through documented evidence, the court will remove them from the title, leaving you the sole owner listed on title, and with you receiving the property back free and clear of any mortgages. We have Quiet Title Action Lawsuit documents on our website. However, we would need to customize one for your state.

    These documents can be downloaded directly from our website. Please read the “90 Day Take Back Program” parts 1 & 2, for a full understanding of how the program works, and the legal authorities upon which it is based. Also review the FAQ. The program is in full compliance of all state and federal laws.

    The key here is to gather all of the incriminating evidence you can against the bank, and present it to them to let them know if they don’t cease and desist with all foreclosure efforts, you will air their dirty laundry in a court of law, and expose the fraud they are attempting to commit.

    We hope this provides you with some helpful options to consider.

    Admin.

  53. Comment by revolt — November 29, 2012 @ 12:07 pm

    Connie,

    Yes it can, as it is delivered in word format, which allows you to edit the document. However, due to our busy schedule, we are not customizing documents for additional states at this time.

    Admin.

  54. Comment by Connie — November 29, 2012 @ 9:41 am

    Can your Quiet Title/Predatory Lending product be modified to fit another state such as Montana? Thanks

  55. Comment by Leah Dean — November 28, 2012 @ 8:48 pm

    LDeanTX

    I am fighting foreclosure with Bank of America going on 2 years now.
    Here is the situation. I have sent the Qualified Written Request, found my Loan 155397447 in the pool of CWABS 2007-2 on the Security Exchange Commission, Received a Certified Copy of the Pooling and Service Agreement from the SEC, I have certified copy of my County Records and many many letters from Bank of America stating that The Bank of New York Mellon is the holder of the note and owns the note. Bank of New York Mellon is listed as the Investor on MERS. Here is where I start going haywire and getting crazy. CWABS 2007-2 and BONY were in a lawsuit that is 1st. 2nd Bank of New York wrote to me and said The Bank of New York is not a Investor. The Bank of New York is the Trustee. The Bank of New York does not physically own the loan or property, BONY does not have a say in Loan Modifications (whoops) Bank of America said BONY denied the Loan Modification back in 2011, BONY has no say in how the servicer disposes of the property. CWABS 2007-2 is a REMIC which according to the Pooling and Service Agreement rules were to be followed such as the promissory note had to be endorsed before the pool closed February 1, 2007 with a cut off date of February 28, 2007. Oh here is the other problem, In the beginning, Countrywide Mortgage may have been the servicer but the Deed of Trust or the Promissory Note mention Countrywide Mortgage. The Lender is America’s Wholesale Lender. MERS is on the Deed of Trust but not on the Promissory Note, MERS calls BONY the Investor on the MERS Servicer but BONY is not the Investor. Grand Finale is In the Qualified Written Request Bank of America has sent 2 promissory notes since 2011. No endorsement at all. Bank of America attorney’s send me a promissory note May 22, 2012 which now has the endorsement of Michele Sjolander. Wait….. the Pooling and Service Agreement states that the promissory must be in the pool before the cut off date endorsed by the “Originator” which states Pay to the Order of without Recourse and then endorsed by the Trustee. This is a mess and I need to continue working on saving my home. Also, Bank of America on January 31, 2012 tried filing Foreclosure in Harris County TX by using a Appointment of Substitute Trustee affidavit through ReconTrust. Of course Bank of America is trying to say MERS is the Original Mortgagee and BONY is the Current Mortgagee. This document was removed but still in the Land and County Records. I reviewed it and compared the signature to robo-signed documents of Melanie D Cowan Vice President. Oh my when I went into Google and typed Melanie D Cowan’s name all of the forged Appointment of Substitute documents came up out of Dallas TX. Vice President of New Century Bank, Vice President of Nations Bank, Vice President of Argent Bank, even the Assistant Secretary to MERS. None of the signatures look a like. After I did a post on a blog about Robo-Signing by Melanie D Cowan, the documents can no longer be found on Google and to have access to see any documents with her name you must have a password into the land and county records of Dallas TX. But you can look at her Profile on Linked In and it never shows her being a employee of any Banks except Bank of America. She never even mentions Countrywide Mortgage, Only Bank of America. Bank of America had a ReMax realtor contact me for a short sale. She said I have your file and Bank of America wants to know if you are interested in a short sale. This was 3 weeks ago at 9:00 P.M. on a Sunday night. I about crapped my pants. She said Bank of America owns your mortgage, and I began to argue with her. I gave her the details and told her the Current Mortgagee is Bank of New York Mellon that I had certified copies of my Land and County Records which I paid $65.00 to get on December 11, 2011 and nothing has changed except Bank of America now wants to say they are the owner and they are only the Servicer. I told her I had a Letter from Bank of New York which reads they are not the Investor, BONY is the Trustee, BONY does not physically hold the note or own the property. BONY has no say in Loan Modifications and she told me I was not making any sense. I told her that in May 2012 Bank of America filed a Deed in Lieu of Foreclosure and I received a fraud alert through the Credit Bureau. She said this house hasn’t been foreclosed on. I will have that chain of title to you first thing tomorrow morning. I have been looking for that Chain of Title for 4 weeks now and still haven’t heard back from the Real Estate Guru!! I have to stop Bank of America, I just have to. Please any advice? Also, in 2007 can anybody tell me if America’s Wholesale Lender was a Member of MERS. Was America’s Wholesale Lender a dba for Countrywide Mortgage legally. I know I am grasping for anything at this point but from where I stand, who is Bank of America foreclosing on behalf of? It appears to me CWABS 2007-2 has been liquidated and there is not a note holder or owner of the note if BONY says they do not hold the note or own the property.

    Sorry what I wrote is so long I am now desperate since I can’t afford an attorney to do this for me.

    LDean TX

  56. Comment by revolt — October 20, 2012 @ 5:09 pm

    Thank you. We are glad you found it useful.

    Admin.

  57. Comment by Immigration Lawyer in Westminister — October 20, 2012 @ 7:18 am

    Hi there very cool website!! Guy .. Beautiful
    .. Superb .. I will bookmark your website and take the feeds also?
    I am happy to search out so many helpful information right
    here in the submit, we want work out extra strategies on this regard,
    thanks for sharing. . . . . .

  58. Comment by revolt — October 6, 2012 @ 1:50 am

    David,

    We absolutely are still in business, all documents are up to date, and we are about launch proprietary software that will revolutionize the fight against the banksters. Stay tuned!

    Admin.

  59. Comment by David — October 5, 2012 @ 4:16 pm

    Are you still in business. Are you documents up-to-date?

  60. Comment by revolt — September 21, 2012 @ 6:48 pm

    Tina,

    We will take a look at the law firm, but upon first glance we feel that a $5,000.00 retainer is too much to spend on a case where you don’t even know what your evidence is, or your chances of prevailing in the lawsuit. You would be much better served by hiring an attorney to represent your case specifically.

    This law firm sounds like a group that collects fees to file a mass joinder lawsuit for many client, somewhat like a class action lawsuit, but you may not be the lead Plaintiff in the case, and therefore your reward would be limited.

    However, you don’t consider filing a lawsuit until you can determine what laws the bank has violated, and how you have been damaged as a result of those violations of law. This requires that you compile some evidence against the bank. Once you have your evidence, it will give you an indication of how strong your case is, and your chances of prevailing.

    We’re sure you’ve heard the old saying regarding investing in real estate, location, location, location! Well, in regards to a lawsuit its evidence, evidence, evidence! It is the evidence, which will determine the strength of your case.

    We recommend that you order our CERTIFIED MORTGAGE SECURITIZATION AUDIT. It will provide you with the information, and possible critical evidence you’ll need in order to establish a case against the bank.

    We’ll send you some information on our audit to your email address, so that you can see why you need an audit, and how it can assist you.

    Admin.

  61. Comment by revolt — September 21, 2012 @ 5:11 pm

    Tina,

    We’ll look into the law firm, but on its face, a $5,000.00 retainer is too much to risk when you don’t even know what your evidence is, and subsequently your chances of success.

    Additionally, sounds like one of these firms who just collect all of these fees from clients to pursue a mass joinder lawsuit, but this kind of lawsuit is not specific to your personal situation. That money would be better spent on an attorney who would represent your case alone.

    However, the first thing you must do is determine what evidence you have against the lender. In other words, you must determine if you have a case against them, or not. You cannot just sue them without knowing what they’ve done wrong. You need to have your evidence lined up, so that when you get to court, you’ll have an idea of your chances of success.

    You’ve probalby heard the old saying about investing in real estate, location, location, location! Well, as it relates to a lawsuit and litigation it is evidence, evidence, evidence!

    You need to start with getting a CERTIFIED MORTGAGE SECURITIZATION AUDIT. It will provide you with the critical information, and evidence you will need, in order to determine if you have a case, and if so, to build your case against the bank.

    We’ll send you some information on our audit.

    Admin.

  62. Comment by Tina — September 21, 2012 @ 11:43 am

    Thank you for responding to my comment so swiftly! You’re very right that it can be very tricky and quite confusing how to go about dealing with the semantics of the Produce the Note strategy especially in Georgia.

    Per your request, I did send over the law firm’s information to your private e-mail. Thank you for researching them to see if they’re legitimate. You guys are so knowledgeable, I wish YOU could represent me!!

  63. Comment by revolt — September 20, 2012 @ 5:17 pm

    Tina,

    First of all, you must understand that no law firm, or attorney will ever guarantee a victory. There are just too many variables in a case to predict that, and an attorney cannot risk you suing them if they don’t win your case. So, forget about a guarantee.

    Your focus should be on the evidence you have against the bank. If you have compelling evidence of wrongdoing, then your percentages for victory are good. What is your evidence? Have you acquired a securitization audit?

    How much are they asking for a retainer fee? Send us the name of the law firm, and we’ll take a look at them. revolt247@gmail.com

    The other factor is if they can stop your foreclosure, and buy you additional time by allowing you to stay in your home, it might be worth it. These cases can last as long as 5 years.

    You’ll have to decide what’s best for you. Being In Pro Per is very difficult if you’re not well versed in the rules of civil procedure. Have you received your notice of default and notice of trustee sale yet? Let us know your status, so that we can recommend documents that might assist you.

    Admin.

  64. Comment by revolt — September 20, 2012 @ 2:49 pm

    Tina,

    The courts have ruled that a lender does not have to produce the note before conducting a non-judicial foreclosure sale, but they do have to prove they have legal standing to pursue foreclosure.

    This is tricky semantics used to confuse homeowners and the general public into thinking that the “produce the note” strategy does not work, and to discourage homeowners from fighting the banks foreclosure.

    That is not true. The argument has to be framed as whether or not the lender is the true authorized owner, and/or holder of the note, if not, the lender does not have legal standing to foreclose.

    It is semantics because in order to establish that the lender is the true owner of the note, he must produce the note, which shows him listed as the lender, or an assignment of the note, or an unbroken chain of title showing that the note has been finally assigned to the foreclosing lender.

    So again, the lender is not required to produce the note before foreclosing on the home, but a lawsuit filed prior to the foreclosure will required the lender to prove it has legal standing to pursue foreclosure, and the evidence required to prove legal standing would be “producing the promissory note”, among other documents. Sneaky, isn’t it? These are the games they will play to steal the wealth of America.

    Read this recent Cobb County Georgia appellate court case article, where the court ruled in favor of the homeowners, regarding legal standing, and the right of the homeowners to know who is the true owner of the note. http://www.ajc.com/news/business/ruling-could-have-impact-on-foreclosure-suits/nQXFp/

    Admin.

  65. Comment by Tina — September 20, 2012 @ 1:50 pm

    Also, recently I received a letter to join a lawsuit from a Litigation firm against my lender in a national lawsuit, which states that my lender and many others have settled for 25 billion this year and the lender MUST negotiate home loans for people who are distressed. This firm is suing the banks based upon there predatory lending practices. The firm says there’s no guarantees but they sue the lender to reduce your principal, lower interest, and obtain a fixed rate mortgage. I Googled the company and the firm are “REAL” lawyers, but I don’t know if theyre like every other scam thats out there. They do specialize in Produce the Note theory, but they’re mainly fighting for people who were given predatory loans. However they do require a hefty retainer like most attorneys, but they do stop foreclosure until they negotiate with the bank a fair “Settlement” if they can get one!! I just don’t if they can get the banks to do anything especially since they themselves said theres NO GUARANTEE! Scary.

    Do you think this firm is legitimate? I have the name of the law firm, but don’t know if I should post it here, however I can send it privately. Im just a little nervous to get involved and lose!!! I live in Georgia and have tried the “Produce the Note” strategy in federal court pro se and it was BRUTAL. The BK Judge gave me HELL and looked at me like I was CRAZY! I would like to deal with an attorney but one that can help me: WIN!!

  66. Comment by Tina — September 20, 2012 @ 1:38 pm

    I have an important question: I was reading that Produce the Note doesnt work in non-judicial states such as California. Georgia is a non-judicial state so how can this process work in the GA courts?

  67. Comment by revolt — September 12, 2012 @ 10:55 pm

    Robyn,

    Thank you for updating us on your events. We didn’t respond earlier because your posting didn’t actually ask a question. However, you did not say what the status of the case was, and how the judge ruled on your lack of standing argument.

    Was the hearing on the deficiency judgment, or what? Lots of details are left out, which make it difficult for us to fully follow your story. At any rate, we wish you the best results with your circumstances.

    Admin.

  68. Comment by revolt — September 12, 2012 @ 10:33 am

    Gary,

    As you are a “90 Day Take Back Program” Member, please direct your emails to your dedicated email consultant, as the information we provide you with as a member is proprietary and confidential.

    This is a public blog for the general public, and they are not privy to the same information that you are allowed to receive as a member. Therefore, we will respond to you directly.

    Admin.

  69. Comment by revolt — September 11, 2012 @ 11:07 am

    Robyn,

    We’re still here. Will get a response to your earlier email soon!

    Admin.

  70. Comment by Robyn Cabral — September 11, 2012 @ 9:13 am

    Just wondered if you still have this page active?

  71. Comment by Robyn Cabral — September 10, 2012 @ 1:28 am

    I wanted to update you from Oct 2011 as I filed an answer to the circuit court in Michigan and showed up to a scared as hell scape goat attorney from the wonderful fradulant law firm of “Trott and Trott” They made the mistake of not looking in Hawaii to see I filed bankruptcy ( which is my permanent residence) They attempted to file a deficiency judgement and my bankruptcy attorney sent them a quick letter, stating we would file sanctions if they continued this action. In my answer I had the oportunity to file my lack of standing with the court and this young attorney was shaking so bad I thought he was going to faint. The judge who just wanted this foreclosure case off his docket, kept asking me if i wanted to file a motion- I turned around and looked at him and told him my father was a senior partner in his prior law firm and had been a district judge for many years in this very county— and he better listen up. Wow did he sit up then! I explained to him there was no legal standing with this securitized trust and that he needed to get educated, as this case could very well set legal precidence for others. He asked me if the property was vacated- which is a big issue in Michigan- as there is a 6 month redemption period if it is occupied-I told him yes my niece and nephew were in it, as my sister had moved to Texas to take care of my father, who had just had a stroke. Ironically he had his stroke in Muskegon Michigan and this Judge had heard about it. Judge M became very quiet and asked about my father at this point. I turned to the plantiffs attorney and said your law firm better get their act together or I will become the biggest whitleblower around.
    Two month after this meeting in court I got a notice that the justice department wanted to work with us on our reduction of principle to there max of 35 percent. Ironically by then my sister and I had put so much money into my mothers house, where her college aged kids lived (mom passed away in 06′) that she said the kids cannot keep it up anymore, and we were both done trying to maintain both houses. I still do not know if they can legally foreclose, yet I told them to secure the property as they will maintain all of the exterior, and this would help keep vagrants out. I have wished at times that I took their justice department offer yet it was to little to late, and I think going back to file a fradulant foreclosure lawsuit will be my next action, if they do foreclose. We shall see. What a journey and I still have my Hawaii property to keep the illegal actions from happening. I will keep you posted on both in the future.

  72. Comment by revolt — August 28, 2012 @ 3:42 pm

    Gary D,

    The terms of your new modification sound fantastic, congratulations!

    Thank you for sharing this information with us. It is important for our clients to understand that by creating leverage through implementing the Administrative Process, and through exposing the bank’s fraud, it can lead to bringing the bank to the negotiating table, in a way that they would not have been willing to do, had it not been for the Administrative Process’ exposure of their bank fraud.

    Our clients need to understand that taking their home back free and clear is not their only option available through our program.

    Please share with us how the negotiations came about? Did you request the new modification, or did someone from the bank contact you unprompted, and offer to negotiate new loan terms?

    Admin.

  73. Comment by Gary D — August 28, 2012 @ 12:45 pm

    I wanted to let you know that after completing the 90 day takeback your home administrative process, we have received a far better loan modification offer from the bank. Obviously these documents got their attention. Their offer is basically to return our credit to normal, write off all of the outstanding debt payment, and give us a new loan at/close to current FMV with monthly payments that reflect that new amount. In other words, everything I would have demanded in a loan workout, we are now being offered. Not sure what we will do from here, but I did want to let anyone who reads this know that these documents do seem to get the bank’s attention, even if they pretend that they are ignoring the administrative process.

  74. Comment by revolt — July 28, 2012 @ 8:23 pm

    Screwchase,

    That you for your blog. We will read the link you submitted and respond if appropriate. However, it is important to know what state you are in, as you need to move to end this case, and acquire a final resolution. Each state has a statute of limitations, whereby legally the lender cannot pursue foreclosure after a certain amount of time. In Florida its 5 years. You may be able to have the case dismissed based on the expiration of the statute of limitations in your state.

    Another alternative is to file a Quiet Title Action Complaint against the bank. This will force them to prove they have any rights or security interest in your property (which according to your letter they cannot), by providing the documented evidence of a clear chain of title, and to prove that they are the holder in due course of the promissory note, with any legal standing to pursue foreclosure.

    They used a legal strategy in dismissing their case before, because it gave them time to try and clean up their messy documents, which usually just mean they forge some fake documents to try and perpetrate a fraud upon the court, so the court can side with them in approving their fraudulent foreclosure attempt.

    At that time had you filed for your Quiet Title Action, they would have not had any time to clean up their paperwork, and the court would have been forced to rule in your favor. Meaning taking the bank off the title to your property, and leaving you on title with a house free and clear. You could also be awarded statutory damages along the way.

    As far as sending your TILA request, their failure to respond is a Federal violation of law, which can be used against them in court to support your case. However, as you are already in court, you merely need to file a Motion For Discovery, and the court will force them to produce the documents you have requested, or if they fail to do so, the case can be dismissed in your favor.

    All in all, you have done a great job challenging them, and keeping them from illegally foreclosing on your home, but like many Pro Se litigants, it appears that you lack the civil litigation experience required in order to acquire the final victory you deserve. This happens all too often, where you have the bank by the balls, and the lawyers out maneuver the Pro Se litigant, and gets away with murder, so to speak. The banks know that even when they are guilty, they can rely on the Pro Se litigant’s lack of litigation experience to steal the home anyway. It stinks, but that’s the way the game is played.

    You must move to finalize your case. By being proactive, the bank will not be able to simply dismiss the case when they can’t produce the documents to establish their legal standing. If you check your state’s statute of limitations, and find that it has expired, you can file a motion to dismiss based on that. If not, you can file a Quiet Title Action, and the bank will be forced to prove their case, or have it dismissed by the court in your favor.

    Keep up the good fight! Best Of Luck!

    By the way, you can download our Quiet Title Action Lawsuit, or our Motion To Dismiss documents directly from our website, if you cannot afford an attorney.

    Admin.

  75. Comment by screwchase — July 27, 2012 @ 2:54 pm

    Found this today! it’s a START in the RIGHT direction. Either way it is now Case Precedence.

    http://www.dailyfinance.com/2011/04/01/court-busted-securitization-pr
    events-foreclosure/

    After reading your page regarding the securities, I went and checked out the one on mine. Found that it was BLANK, nothing was completed, not end date, nor when it went into effect. I also found, as stated, there has been no update since 2005! They filed the form you mentioned, excusing the necessity to report….

    In light of the above ruling,I’m going to challenge HSB’s standing. It appears, according to the Pooling/Service Agreement, that my master Servicer is Wells Fargo! Since t hey are the Master Servicer, wouldn’t it make more sense for them to actually file as Plaintiff?? My originator, Resmea, filed bankruptcy, and was bought out by Citadel, I believe. According to the servicing requirements, HSBC, are required to receive written permission from the Mater Service PRIOR to filing a foreclosure? I doubt very much that this requirement was followed.

    I have now been in foreclosure for 7 years, Pro Se. During that time i suffered a heart attack, December 12, 2008. I can’t say for certainty that the stress from dealing with these people for 3 years caused it, no more than HSBC can say they didn’t. I do know this! I did not suffer from high blood pressure UNTIL these monsters invaded my life. We have been to court once. The judge was NOT happy with Chase’s accounting of my mortgage, and told them to clean up the mess!!

    I was never behind on my mortgage! They received an cashed ALL check payments (I have the cancelled checks and bank statements) which were cashed by Chase. Up until about a year ago, I had chase’s legal department send me a letter asking where the payment for November, 2005 was… HELLO! I have sent them a copy of this cancelled check many times, which shows that CHASE cashed it…

    About 2 years ago, I sent TILA request to approx 5 addresses to CHASE, and one also to HSBC. To date NO RESPONSE.

    This is the second time they have filed foreclosure on my property,a s the first time, I held them up with a request for the original docs. They motioned for dismissal. They t hen refiled as HSBC being plaintiff, at some point they attempted to have the clerk correct the case number, and at the same time attempted to sneek in the back-door with changing the caption from HSBC as Plaintiff, to HSBC as Trustee!! I motioned the court, bringing it to the court’s attention that at no time have they disclosed that they were Trustee! And were attempting to amend their complaint through the back-door…

    The Beat goes on…

  76. Comment by revolt — July 27, 2012 @ 12:30 pm

    J Chomin,

    Yes, we’re all English speaking American Citizens. However, you’ve got a lot of nerve attempting to criticize a document that you are in possession of illegally, and in violation of our copyright protections. Stop violating our copyrights, and you won’t have to worry about any grammatical errors.

    We will also begin legal actions against you for your blatant disregard for our copyrights. Soon, you will have more to worry about than losing your home. It is unfortunate that you are forcing us to pursue you, but your comment clearly shows such a level of disrespect and disregard for others rights, that we cannot allow your violations of law to go unpunished.

    Admin.

  77. Comment by revolt — July 12, 2012 @ 4:18 pm

    J. Chompin,

    Your friend has violated our intellectual property copyrights by providing you with our proprietary information. Therefore, we must ask you to cease and desist with the unauthorized use of our program.

    We have financial obligations and responsibilities also. If everyone did what you and your friend are doing, we wouldn’t be able to generate enough revenue to assist all of the other homeowners who may be in your same situation. This is not just about you, its about millions of other homeowners in the same situation, who need are assistance also.

    So, we must demand that you cease and desist with the unauthorized use of our program. We thank you in advance for your cooperation.

    Admin.

  78. Comment by J. Chomin — July 12, 2012 @ 12:13 pm

    Thank you for the reply and I understand. It is actually your 90-Day Take Back program that I am following, via copies from a sympathetic friend. It is the only way I am able to even attempt any counter-action against the banks. I would hate to simply change the wording in the non-judicial Group-3 docs and take a chance, but it’s what I’m going to have to do as I cannot afford your entire program or a lawyer.

  79. Comment by revolt — July 11, 2012 @ 5:39 pm

    J. Chomin,

    Unfortunately, we do not sell our Group sets individually. One reason is that we have no idea of what process may have been used previously, and if it will be compatible with our process. So, we feel it is extremely important that the process be implemented and administered accurately and precisely to assure the proper success, and to do this, it is not recommendable to mix two separate processes.

    Admin.

  80. Comment by J. Chomin — July 11, 2012 @ 1:17 am

    Hello…

    I am wondering if you would have available for purchase, the Group-3 set of documents for the state of Florida. I have heard about your program and have already been through the first series of steps and only require the Group-3 set for my state. I looked on your site but could not find these individually or in a set. Please let me know. Thank you.

    Sincerely,

    J. Chomin

  81. Comment by revolt — July 6, 2012 @ 4:49 pm

    Don,

    Please always direct your comments regarding the “90 Day Take Back Program” to your email consultant, as the 90 day program is proprietary, is for members only, and not for the general public. This blog is a general public blog. We answer program members directly, in order to protect their privacy and confidentiality. Thank you.

    Admin.

  82. Comment by Don — July 6, 2012 @ 2:45 am

    Hi Matt

    During the conference today I need to discuss how to prepare the Group 02 and 03 and 04 documents as I m in that situation . I have a bit of a confusion about it. So it will be great if you have the copies of those documents for easy reference

    Thanks and Best regards
    Don een

  83. Comment by revolt — June 22, 2012 @ 4:42 pm

    Mike,

    Each lawsuit is distinct and separate from the other, based on the evidence submitted in each case. No two cases are exactly alike in that regard. Although these cases cited did not specifically use our forms, the legal theories upon which these cases were based, are the same legal theories upon which our documents and foreclosure defense strategies are founded upon.

    Once you understand the basic premise of how the banks have committed mass fraud on the American homeowners, based on the legal principals of subject matter jurisdiction, the real party in interest rule, forged and fraudulent documents submitted to the courts, the broken chain of title principals, and the holder in due course of the promissory note principals, you will see that both of the cases cited, and most all of the fraudulent foreclosure attempts by the banks, have a common legal theory running through all of these cases, which makes our forms and documents applicable to practically all possible foreclosure scenarios one may encounter.

    Admin.

  84. Comment by Mike — June 20, 2012 @ 7:43 pm

    Thanks for these links: click here “http://www.thehomeownersrevolt.com/?p=919), and a more recent case involving Lynn Szymoniak a foreclosure fraud investigator who was recently awarded an $18 Million settlement against her foreclosing bank. (Click here http://www.thehomeownersrevolt.com/?p=923).

    Were these done using your forms? If not do you have any proof of successes using your specific forms and programs?

    Thank you very much!

  85. Comment by revolt — June 20, 2012 @ 3:20 pm

    Charlotte,

    As a program member, please direct your 90 day program questions to our dedicated email consultants at revolt247@gmail.com, or anyone of our other email addresses. The 90 day program information is proprietary and only for members, and not for the general public.

    Admin.

  86. Comment by Charlotte — June 19, 2012 @ 7:40 pm

    I am in the “90 Day Take Back Program” and am preparing Step 2. I realize that all the documents need to be sent Certified mail, return receipt, but which documents should be recorded at the County Recorder? I live in the State of CA. Also, not sure if my loan is securitized? How can I determine that one way or the other? If it’s with MERS is it securitized?

  87. Comment by revolt — June 13, 2012 @ 6:35 pm

    Mike,

    You can read about the landmark state supreme court decision in US Bank v. Ibanez, where the court decided that the securitization of the loan was invalid (click here http://www.thehomeownersrevolt.com/?p=919), and a more recent case involving Lynn Szymoniak a foreclosure fraud investigator who was recently awarded an $18 Million settlement against her foreclosing bank. (Click here http://www.thehomeownersrevolt.com/?p=923).

  88. Comment by Mike — June 12, 2012 @ 7:16 pm

    Great, thank you!

    Is there a section on your site or can you provide proof of successful law suits for securitizing?

    Thank you,

    Mike

  89. Comment by revolt — June 12, 2012 @ 2:17 pm

    Bill,

    You have immediate access to your dedicated email consultant. You merely need to submit any questions you have to revolt247@gmail.com, or any of our other email addresses, and your questions will be responded to usually within 48 hrs. We look forward to answering any questions related to the program that you may have.

    Admin.

  90. Comment by Bill — June 12, 2012 @ 8:17 am

    I purchased the 90 Day take back program last Wednesday. When can I expect to hear from an email advisor to address my questions regarding the administrative process templates as well as my unique situation, given that I am current on my mortgage? I know I’m not the only customer, but it would be nice to have someone proactively contact me.

    Thank you.

  91. Comment by revolt — June 10, 2012 @ 9:23 pm

    Mike,

    The loan mod does not alter the securitization of the loan, if in fact it was actually securitized. As for the balloon amount, you can determine that by doing an online search for an amortization schedule tool.

    Admin.

  92. Comment by revolt — June 10, 2012 @ 9:15 pm

    Matt

    Your emails have been responded to. Thanks.

    Admin.

  93. Comment by Mike — June 9, 2012 @ 4:01 pm

    Thank you for the info and advice, I will look into purchasing the audit…I’m sure our loan was securitized.

    Now, another question; the fact we accepted this mod does it create a new promissory note so no longer securitized?

    They said take it or leave it and had to answer within 10 days. They may have changed it if did not accept but would be a crap shoot! We did not want to take the chance as really need this home and it’s less then rent…kids in great schools, etc.

    The reason for balloon is because we are not paying full amount each month to pay within 23 years. The monthly payment is based on 40 years to make payment smaller but maturity of loan is 23 years from now. That’s what is left on our original 30 year loan. Sounds like this is a new way of modifying since you said it usually would convert to a 40 year term. does the amount of balloon sound right to you though? How can I confirm that is correct besides asking the lender?

    Thank you and looking forward to eventually getting free and clear if possible!

  94. Comment by Matt — June 6, 2012 @ 8:00 pm

    please respond to my 4 emails I sent my rep for this program. I am a paying member.
    Thanks so much
    Matt

    P.S. Anyone looking into this process and program, I can attest to this company’s dedication in giving you correct and timely information for your situation. Very close to the end of the 90 day program and apprehensive but excited
    Thanks homeownersrevolt.com

  95. Comment by revolt — June 6, 2012 @ 5:34 pm

    Dear Mike,

    The interest rates on your permanent loan mod offer is very good. You are one of the lucky ones, because most homeowners who have tried getting a loan mod have been jerked around for years, and then while waiting for the loan mod, the lender moves forward with foreclosure, unbeknownst to the homeowner.

    Some homeowners were given a trial loan mod, and at the end of the trial period, they were still denied the permanent loan mod. We tell you these things so that you will have a broader perspective and appreciation for your permanent loan mod offer. All in all, the offer sounds very good. Your only issue is the alleged balloon payment.

    We recommend that you double check with your lender to make sure that you fully understand the terms of your loan mod, as it is unusual to have a balloon payment at the end of a loan mod. Usually, if they calculate your payments based on a 40 year amortization, those are usually the terms of the loan. At any rate, don’t settle for what they have offered. You can negotiate with them, and ask them to remove the balloon payment provision of the loan mod, and you will consider accepting it. However, you will have more negotiating leverage if you’ve discovered some fraud or wrongdoing on their parts. Nevertheless, they seem to already be working with you, and to ask to remove the balloon payment is a very reasonable request.

    However, even if the terms would leave you with a balloon payment, one option available would be to refinance the loan prior to the balloon payment, or as it seems you may be looking to retire in the home, and if by the time you are ready to retire there is enough equity in the home, a reverse mortgage might be an option for you as well. It would provide for no monthly payments, and depending on the equity in the home, may also provide you with monthly income from the equity.

    As for suing the bank, 95% of the loans originated between 2000 – 2009 were securitized. Meaning the loans were sold and pooled into a securitized trust with hundreds of other loans, and sold to investors all over the world. During this process the promissory notes were lost or destroyed. The promissory note is the instrument a lender must be in possession of in order to legally establish that they own your mortgage. There were other violations committed as well, but if you challenge the bank by forcing them to produce the promissory note, and they cannot produce it, then you can have the court remove the lender off of the property title, and reclaim your property back free and clear of the alleged mortgage.

    You will need to have the evidence to support your case of fraud and wrongdoing by the bank in order to prevail in your lawsuit. That is why we have introduced our CERTIFIED MORTGAGE SECURITIZATION AUDIT, for our clients. Through this audit, you will acquire the powerful, and critical evidence you’ll need to support your lawsuit against the bank. Once you prevail in your lawsuit, you will be awarded with statutory damages in the amount of 3X’s the remaining loan balance of the loan, with the possibility of also being awarded punitive damages, usually about 4X’s the statutory damages.

    However, suing your lender is usually very time consuming, and could take anywhere from 6 months to 3+ years. However, you get to stay in your home while the case is being litigated, without having to pay any monthly mortgage. This buys you time to be in your home, and save up some additional cash during the litigation period.

    Read through our CERTIFIED MORTGAGE SECURITIZATION AUDIT information on our website for more information. Once you acquire your audit and evidence against the bank, we can draft a lawsuit against the bank for you based on the evidence discovered as a result of your audit, then you will have the evidence to sue your lender.

    We hope this information has been helpful and informative. Thank you for visiting the MOST POWERFUL foreclosure fighting site on the Internet THE HOMEOWNERS REVOLT.COM.

    Admin.

  96. Comment by Mike — June 2, 2012 @ 11:37 am

    Perm Loan Mod Offer by BOA

    We got a trial in house loan mod by BOA for 3 months set at close to 31% gross income. We have bank of New

    York as investor and they (BONY) denied HAMP even though we qualified.

    We paid the 3 months and now BOA has offered us a perm mod. Problem is it’s not fully amortized. 2.1% for

    3 years, 3.1% after 4 years and then 3.8% for remainder of term…23 years left on original 30 year loan.

    They calculated over 40 years to make payment affordable but did not extend term so leaves a huge balloon

    payment after 23 years. balance close to 400K now and after paying 23 years will have a balloon of 238K.

    We will be old and have to get a new loan based on current retirement income or sell and hope home is worth

    more.

    Have you seen a perm in house loan mod like this one? I thought they were suppose to mod fully amortized?

    To get rid of these bad type of neg amor loans? I can see they would have to reduce principle and extend

    loan to 40 years to make it work. But this way they get out of loan in 23 years.

    I can see ways to work with this, at least we like the house and better than rent and still have options in

    the future with the home.

    Thanks for any advice and really looking forward to hear your thoughts on this so called perm loan mod and

    if you have seen this one before or heard about others getting same and what they decided?

    What all do I need to sue the bank to wipe out this loan? And get the extra damages?

    Thanks a bunch!

  97. Comment by revolt — May 23, 2012 @ 4:56 pm

    Foreclosure,

    Thank you for your compliment. Hope you will take the time to come back and review all of the information available on our site. It provides a wealth of knowledge and information on foreclosure defense.

    Admin.

  98. Comment by Foreclosure — May 23, 2012 @ 5:30 am

    Hello there, I am so excited I found your site, I really found you by error, while I was researching on google for something else, Anyhow I am here now and would just like to say kudos for a fantastic post and a all round thrilling blog (I also love the theme/design), I don’t have time to go through it all at the moment but I have saved it and also included your RSS feeds.

  99. Comment by Gary Dempster — May 4, 2012 @ 6:11 pm

    fyi!

    Landmark Lawsuit by US Home Owners Implicates Obama and Big Banks in Massive Global Laundering Scheme

    http://wakeup-world.com/2012/05/05/landmark-lawsuit-by-us-home-owners-implicates-obama-and-big-banks-in-massive-global-laundering-scheme/

  100. Comment by revolt — May 2, 2012 @ 4:08 pm

    Jim,

    We recommend that you download our “90 Day Take Back Program“. It revokes any authority that the trustee has to conduct a trustee sale of the property. Read the “90 Day Take Back Program” parts 1 & 2 from our website, or just click on this link http://www.thehomeownersrevolt.com/?cat=36.

    We also recommend that you order our CERTIFIED MORTGAGE SECURITIZATION AUDIT. It will provide you with a chain of title so that you will be able to see the exact road your promissory note has traveled from A to Z, and any evidence of fraud committed by the bank.

    We also provide a signed Affidavit, which is written testimony under oath by the certified auditor, testifying to the facts and evidence found through the audit.

    Another feature of our audits, which no other company provides that we know of is our unique robo-signing document analysis, which exposes whether any documents in the chain of title have been fraudulently forged and recorded.

    Once you have your audit completed, we can then draft a civil complaint for you based on the evidence discovered in your audit, and you can sue the bank for statutory damages, usually 3X the balance amount of the mortgage, and in many cases you can also be awarded punitive damages, approximately 4X the statutory damages.

    We will take the liberty of emailing you out some comprehensive information about our audits.

    Admin.

  101. Comment by Jim Curtis — May 2, 2012 @ 12:07 pm

    I have a loan that lists U.S. Bank as both the investor and the trustee. It is being serviced by Aurora Bank. I have not made a payment in 15 months while we play “lost docs.” I anticipate they will attempt to foreclose in the near future and I want to be ready to fight back.
    I live in CA and know my loan has been securitized into a RALI Series 2006-Q2 Trust. From what I can determinme this trust consists of 2,017 neg adjust-rate mtg loans amounting to $670 Million. I don’t have a MIN for my loan. Loan taken out 1/6/06 and only the DOT and note(without alonge)recorded in my county. Original note showed SCME as the “Lender.” Nothing else has been recorded in over 6-years! I
    have also had two completed DWR’s returned with most of the questions unanswered by Aurora’s lawyers. House is $200k under water.
    Can a loan securitzation provide a paper trail for this loan? What product(s) of yours do think I should utilize to wage my war against the banksters? Thanks for your help.

  102. Comment by revolt — April 25, 2012 @ 9:20 pm

    Daniyel,

    It appears that your fiance took out a new loan with the investment company. This is why they paid the loan off to the previous lender. We don’t have enough information to determine if your fiance can regain ownership of the house, but she can pay the loan off and regain ownership of the house, just as any homeowner would.

    Admin.

  103. Comment by revolt — April 25, 2012 @ 9:15 pm

    Lori,

    Virtually all of the banks are committing the exact same crimes.

    Admin.

  104. Comment by revolt — April 25, 2012 @ 9:08 pm

    Daniyel,

    It sounds like she essentially took out a new loan with the investment company, and this is why they paid the loan off to the previous lender. We do not have enough details and information to determine if she can regain ownership of the house. However, by paying off the debt she will regain ownership of the house, just as she would by paying off any lender.

    Admin.

  105. Comment by Lori — April 24, 2012 @ 2:25 pm

    Bank of America fraud committed by robosigner. the trustee cwabs no longer exists..here is proof. Lehman brothers bought them and then declared bankruptcy. Where are my mortgage payments to them REALLY going??? The trust no longer exists…the servicer is trying to foreclose on homes they have no standing.

    http://affaritaliani.libero.it/static/upl/leh/lehman-bros-special-financing.pdf

  106. Comment by Daniyel Stewart — April 24, 2012 @ 10:18 am

    What if my fiance signed over her house to what I think is a fraudulent investment company? I found out through H.O.M.E. of VA that “they” paid off her mortgage six years ago. She thought her payments (which is higher now than her initial mortgage) to this investment company was going to pay off the home. Unfortunately distressed at the time, she signed documents. Now aware of mortgage scams, do she still have a fight to challenge the investment company? She has filed a Complaint with Consumer Affairs. Should she fight for the house even after signed documents and it has been paid off? We still love in it but how can she legally regain ownership of the house?

  107. Comment by revolt — April 22, 2012 @ 6:55 pm

    Don,

    Let us know the best time to contact you tomorrow, and we will have an authority on our program give you a call.

    Admin.

  108. Comment by Don — April 22, 2012 @ 1:04 pm

    Hello ,

    I live in New Jersey. I am very serious about your above program in regard to my primary residence.But still have to clarify about few things like bogus modification they did while I was in Bankruptcy.I need to clarify this before I proceed with this program., I need to speak to some authority in your office
    get clarification. Very Urgent

    Thanks a lot
    Don Heenatimullage

  109. Comment by revolt — April 22, 2012 @ 7:46 am

    Mauricio,

    If Freddie Mac was the owner of the mortgage, then Freddie Mac needed to foreclose in their name, not JP Morgan. A Securitization Audit would have helped you determine who was the actual owner of the mortgage.

    Admin.

  110. Comment by mauricio barragan — April 21, 2012 @ 11:20 pm

    i was foreclosed on oct 2011 j p morgan was the lender and chase the service provider and freddy mac said they were the owners . can j p morgan chase na foreclose on my property in las vegas nv.

  111. Comment by revolt — April 21, 2012 @ 6:23 pm

    Solita,

    You can sue the lender who provided the heloc to your Ex for slander of title. The loan origination was illegal, and should you prevail in the litigation, the heloc could be voided.

    You really need an attorney to assist you, as your scenario is rather involved. You could also download our Quiet Title Action Lawsuit, and file this complaint with the court. This lawsuit says to the court that there is a dispute regarding the title of the property, and ask the court to resolve the dispute.

    The court will examine the information, and if you can produce the evidence to establish that the heloc was unlawful, the court should reverse the heloc. At that point the investor would relinquish all title to the property, and could then be evicted.

    Admin.

  112. Comment by solita — April 21, 2012 @ 1:22 pm

    I just found your site… I am in so much distress: gave $850K for downpayment of $1.7 home in 2005, Irvine, CA. I alone paid interest payments for 5 years ($4560.98 monthly). The first loan was with Banco Popular under ex’s name. Property deeded to Family Living Trust. I am a trustee. Left home on 2/2010 due to domestic violence w/ 3 kids. Ex remained in house, stopped making payments 2/2011. Ex had taken a HELOC, his name alone, for $500K. I notified bank not to let him withdraw. They would not talk to me, even though property was deeded to Family Trust and I am trustee. Ex failed to pay 2nd (HELOC). Bank foreclosed and sold. Investor, a chinese professor of politics and an attorney. Vacated house and removed all my belongings. I was not ever amde aware of what was happening to my property. Found out by the posting of a neighbor on FB… I had hired a company to stop sale of first and they blocked it by creating a new living trust and adding the name of someone that has a bk, because of this, the first has postponed the sale for several months now. The chinese investor who took over the house (by paying $340K of the $500K second on the Trustee Sale I was unaware of) obtained a “Trustee’s Deed Upon Sale” from REFS Inc, A California Corporation, as Trustee for Schools First Federal Credit Union. They recorded the document electronically by Lawyers Title Company B on 3/16/2012. I found out about the sale when I questioned the property listing agent from Hannu Reddy Realty why they had put a hold on the listing (I noticed it when I did a search on Redfin). Can I evict the new “purchaser” of the second and enter and live in my home to try to sell it and salvage at least some of my money? I want to sell, can I list the house? I am so alone… I hope this is not too confusing… no money to pay attorneys as I am supporting myself and three daughters on a teacher salary…

  113. Comment by revolt — April 19, 2012 @ 1:32 pm

    Sheryl,

    We are sorry you have had to deal with such corruption by the banks and the courts, as it is our opinion that many of these judges are in bed with the banks, as they have pensions through these banking institutions, and should be disqualified due to a conflict of interest.

    Unfortunately, it is very unlikely that you will find an attorney that will take this kind of case on contingency. As you can see, these cases can last for up to 5 years or more, and attorneys cannot afford to spend their time and resources without receiving some form of compensation. They would go out of business if they took on many of these kinds of cases.

    Just so you know, your story is not uncommon. They banks are forging fraudulent documents on a regular basis. Its disgusting that they have been allowed to get away with it thus far. Although they have had to pay out a $25B settlement, that is nothing compared to the Trillions that they have made, and continue to make.

    Based on your information, here are a couple of options available to your situation. You should contact the Attorney Generals Office in your state and file a complaint against the bank; secondly, you can apply for a free foreclosure review from the Office of the Comptroller of the Currency. They are supposed to review your case to see if there were any causes of actions you may be able to sue the bank for.

    You are entitled to a free independent foreclosure review which may reveal such actionable items, which you can privately sue your servicer for their misdeeds. Any evidence acquired from the review would be fully admissible, as it would be evidence directly from the government, and would be very hard for the servicer to refute in court.

    We hope this is helpful. Just a note, when writing to other organizations, or attorneys, keep your comment brief and to the point, as most organization are very busy, and will not have time to read your whole story. Best of luck to you.

    Admin.

  114. Comment by revolt — April 19, 2012 @ 11:59 am

    Cino,

    We believe the main and most important distinction between us and other competitors is our 15 years of civil litigation experience. This plays a crucial part in developing the administrative process. One has to be able to anticipate all legal procedures that may arise in the future, and have a counter-plan to oppose any anticipated tactics implemented by the banks.

    We are familiar with one of the companies you mentioned, and the founder admitted that he had only been pursuing the administrative process for 6 months. He went to court and lost his case, because of his lack of legal knowledge. He then claimed that he really won the case, just because he made the bank respond to his process. That’s an interesting spin, but winning is winning, and losing your case is losing.

    We don’t mean to disparage these competitors. We believe this competitor truly meant well. He just didn’t possess the legal knowledge and experience it took to be successful.

    Our program has been designed to anticipate all future legal contingencies, and thereby eliminate them as an issue all together. Again, we believe it is our 15 years of civil litigation experience that is the difference between us and our competitors.

    Admin.

  115. Comment by cino — April 16, 2012 @ 4:45 pm

    How is THR diferrent from : Right to Cancel and Consumer Defense?

  116. Comment by revolt — April 12, 2012 @ 2:46 pm

    Millard,

    Thank you very much for your kind words and acknowledgement.

    Admin.

  117. Comment by Millard Lindo — April 11, 2012 @ 2:02 pm

    Can I just say what a relief to search out somebody who actually knows what theyre speaking about on the internet. You undoubtedly know tips on how to carry an issue to gentle and make it important. Extra folks have to read this and understand this side of the story. I cant imagine youre no more widespread because you definitely have the gift.

  118. Comment by revolt — April 8, 2012 @ 8:39 am

    La nina,

    If you already have a court judgment dismissing the lender’s foreclosure of your property, then you are a perfect candidate for our program. The most common reason for a court to dismiss a foreclosure is that the lender could not prove that it owned your mortgage. You need to move swiftly to take advantage of your court judgment.

    Our “90 Day Take Back Program” is the most competitively priced program of it’s kind. You will not find a lower priced program designed with our 15 years of civil litigation experience anywhere on the Internet, or elsewhere. The cost for our program is $1,495.00.

    Go to our website, and click on the “Download Documents” link near the top left hand corner of the site. It will take you to the download page. Scroll down to the bottom of the page till you see the “90 Day Take Back Program” then just click on add to cart, and follow the purchase instructions from there.

    Admin.

  119. Comment by la nina — April 7, 2012 @ 6:14 pm

    My forecloser was dismiss by
    the court 2 year ago, I have been trying to do a loan modification and that have been not other thing that rip off money nothing have been done, I hear about the save your home and be free of your mortgage. I have digging looking in google, reading add, info etc till I found this web that
    look honest and go straight to they point. I have a friend that tall me yesterday that is also looking for options to save her house went to a meeting and they are charging a lot of money to there process on 6 months with audit report plus 3 more step. My situation. Is that I want to save my house and I believe I will be success with this process, what Ian they cost? How do I know that the 60 days program OR the 90 is the one that work for my process. I had refinance my house twice. Have an 80-20 loan now with Bank of America now, I have past true 3 lenders, ocwen, master financial, first Franklin and now BOA. Please I want to do this now, I hear this opportunity might end soon for the homeowner I dont know if real o is just to scare people more. Please help ASAP

  120. Comment by revolt — April 7, 2012 @ 1:07 pm

    Bill,

    No we haven’t.

    Admin.

  121. Comment by skateboard.1962 — April 7, 2012 @ 7:49 am

    Has anyone gotten their securitization audit. My loan is FHA GNMA and before I order I would like others feedback about this. Private agency like GNMA don’t divulge their information. However alot of auditors claim they can get other info. Olease add your feedback Greatly appreciated

  122. Comment by Bill — April 6, 2012 @ 10:24 am

    Have you all considered contacting Alex Jones to be a guest on his radio show?

  123. Comment by revolt — April 5, 2012 @ 3:56 pm

    Leah Dean,

    We cannot give you legal advice as to what to do in your BK case, but the creditor would be the beneficiary, or present holder of the note, which based on your information provided, would be Bank of New York FKA CWABS 2007-2. It is apparent that your loan was securitized into this investment trust.

    Also, you should know that you have the ability to challenge the securitized trust’s legal standing in the BK court, and make them prove, by producing documented evidence, and a proper chain of title, that they actually own your mortgage. They will be forced to produce an assignment of trust deed showing that the trust actually owns your mortgage. If they don’t they have no legal rights of foreclosure.

    Just think if you already had documented evidence of who owned your promissory note, and that the trust could not prove they owned your note, even before filing your BK case? You would have the upper hand on the bank, which would apply a tremendous amount of pressure on the trust to prove they have any rights at all to foreclosure. That’s the position you’ll be in when you have a CERTIFIED MORTGAGE SECURITIZATION AUDIT in hand to submit to the BK court.

    We recommend that you download our CERTIFIED MORTGAGE SECURITIZATION AUDIT. It will reveal to you from A to Z the road your promissory note traveled, when and to whom it was sold to, the chain of title, a notarized affidavit of the facts, and we also do something that no other company does that we know of, and that is we also perform a robo-signer analysis to determine if any of the documents submitted by the bank were forged, or fraudulent, rendering them invalid and unenforceable.

    If you want, you can also counter sue the bank for damages in the BK court for attempting to fraudulently foreclose on your property with a proceeding called an Adversarial Proceeding. Empower yourself with the weapons of MASS DESTRUCTION that are available to fight your mortgage WAR and WIN!

    We will take the liberty of sending to your email address, some comprehensive information on our audits for your review.

    Admin.

  124. Comment by Leah Dean — April 3, 2012 @ 9:04 pm

    I am not sure if this is a comment or a cry for guidance. I live in Houston TX Harris County (Non-Judicial) State. Where I will start is home was purchased in Jan 2007. It was not up until 6 months ago while trying to get a loan modification through Bank of America I realized that there are many things I did not know about my purchase of my home and the promissory note/Deed of Trust. My notice of default and “Substitute Trustee” notice to sale from Recontrust says MERS is my original mortgagee and Bank of New York FKA CWABS 2007-2 is the Original Mortgagee. My promissory note says I owe America’s Wholesale Lender and my Deed of Trust has Grantees are America’s Wholesale Lender, CTC Real Estate, and MERS as beneficiary and nominee to its assigns and successors. The MERS site shows that Bank of America N.A. is the investor and Bank of America services the Loan on the 20% and Bank of New York owns the 80% Loan. Fact of matter is this is a securitized loan, apparently America’s Wholesale Lender is not involved in any way at all. Do I list MERS and Bank of New York as creditors in my bankruptcy?

    Thank you and any advice or recommendations will be greatly appreciated.

    LDeanTX

  125. Comment by revolt — April 3, 2012 @ 11:54 am

    Charlotte,

    Normally it is delivered instantly upon your completion of purchase. However, we sent you an email yesterday explaining that periodically PayPal, our merchant account provider, conducts a “Payment Review” as part of their ongoing efforts to make sure that all transactions are secure and authorized.

    The Payment Review can take up to 24 hours, but is usually completed within a few hours. As soon as it is completed, and the funds are cleared, you will be notified, and your document(s) will be released and sent to you via email.

    According to our records, you made your purchase at 4:36 PST yesterday. Therefore, your 24 hr. review period will be completed at the same time today.

    Please check your email for the complete message we sent you yesterday. And please contact us at our email address in the future if you are having any problems, as the blog is not the place to address customer service issues. Thank you.

    Admin.

  126. Comment by Charlotte — April 2, 2012 @ 4:43 pm

    I have ordered the “90 day”. How long does it take to get it? Time is of the essence. Thank you.

  127. Comment by revolt — March 30, 2012 @ 1:29 pm

    Charlotte,

    Although we try to be helpful here on the blog, you must keep in mind that we are essentially an online legal document, and foreclosure defense startegy information service. Under the law we cannot provide you with legal advise, nor can we take the time to review and analyze each and every document someone receives, unless they are a “90 Day Take Back Program” member.

    The kind of in depth analysis you are requesting is reserved for our “90 Day Take Back Program” members. You are certainly in a position to implement and take advantage of our program, and if you’d like to become a member and be assigned a dedicated email consultant, who will provide you with the in depth analysis on every document you receive throughout the program, please download the “90 Day Take Back Program” from our website NOW!

    Admin.

  128. Comment by revolt — March 30, 2012 @ 1:14 pm

    Denise C,

    Unfortunately, at this time we do not have an affiliate in Delaware. We don’t know what actual documented, written evidence you have against the bank, but if you have that, most attorneys will be interested in taking your case. They will want a retainer fee, as these foreclosure defense lawsuits can last for up to 5 years in some states, and attorneys don’t want to get caught up in a long fight, unless they are sure they have extremely powerful evidence to support the litigation, and the client can afford to pay them while they litigate.

    Admin.

  129. Comment by Denise C — March 30, 2012 @ 9:34 am

    I noticed in the thread that you mention that you may be able to refer lawyers in certain areas. Are you aware of any in the state of Delaware? I have called at least 15 and apparently no one want to go up against a bank in Delaware (Wells Fargo. I believe I have a strong case and even had one lawyer excited about representing me however, 2 days later after discussing with his partners decided the firm was too busy to take my case…………….hmmmmmm.

    Thank you, Denise

  130. Comment by Charlotte — March 28, 2012 @ 2:03 pm

    Ok, I need some further direction. We live in CA. I sent the Notice of Default Dispute Letter and recieved a packed back from B/A 45 days later, which included a photocopies of the DOT and the Note. The letter specifically requested a CERTIFIED copy of the Note, but that is not what I got. In addition, they included this explanation, “The assignment on your loan was recorded through MERS. MERS was created by the real estate finance industry to eliminate the need to prepare and record an assignment each time a mortgage loan is sold or transferred to another servicer. Instead the loan is assigned to MERS and given a unique Mortgage Indentification Number (MIN). MERS is then the lien holder. If a loan registered with MERS is later transferred between MERS members, the transfer is noted in MERS records. The MIN for your account is number——. As a MERS member, Bank of America has the authority to execute any documents necessary to service the loan, including the payoff and release of the mortgage. If your account is transferred to a non-MERS lender, we will deactivate your MIN and create a paper document.” “Investor Inofmation – The investor, or owner of your loan, is the person or entitiy that is entitled to repayment of the loan. We have provided your investor information below. Please note that you should not send payments to your investor and that inquiries and requested should directed to your loan servicer: Investor’s name: Bank of America, N.A., etc.

    So, now, I have a couple of questions:
    1) They did not provide a CERTIFIED copy of the Note. So, should I pursue that and in what manner? How do I know this copy was not just remanufactured, which we know they do.
    2) What is my next step? I am thinking the 90 day take back my home, but would like your inoute.
    3) After 2yr & 5 mo, B/A has suddenly offered us a TRIAL loan modification, of which those payments would start 4/1/2012. We have not made a payment for just over a year. Truly couldn’t afford it, (LONG story) but also to get theiir attention. What should I do with their trial loan modification offer?

    If a phone call is better for this conversation, please let me know. I look forward to your quick response.

  131. Comment by revolt — March 24, 2012 @ 4:37 pm

    Nicole,

    Check your email. We sent you an email yesterday informing you that we had received your documents, and that they have been submitted to the auditor for processing and completion of your audit. Our email was sent yesterday at 3:46 pm. PST.

    Admin.

  132. Comment by Nicole — March 23, 2012 @ 4:30 pm

    Hello
    I emailed yesterday with the forms and documents for the audit. Please let me know if everything is set for you to do the audit with the info sent.

    Thanks

    Nicole

  133. Comment by revolt — March 22, 2012 @ 11:33 am

    Daniel,

    First of all, David J. Stern is no longer representing cases in Florida, as they were investigated by the Florida Attorney General’s Office, and are presently being sued for their foreclosure violations of law. If you had filed any documents in answer to the complaint, your case would have probably been tied up in court for some time, or dismissed in your favor. However, it is possible that another law firm has taken over the case.

    Florida is a judicial state. Since it appears that a Motion For Summary Judgment has been granted already, as it is required before a sale date can be scheduled, download our “Emergency Motion To Vacate Judgment” document from our website. This document essentially ask the court to vacate (void) the summary judgment order which allowed the lender to move forward with the sale of the property.

    You can file a motion to vacate judgment when you have found that there has been an inadvertent mistake, fraud, misrepresentation, or misconduct in the case. Our document argues these points for you, and alleges that the lender is not the owner of the mortgage, and has no rights upon which to foreclose.

    You will need evidence to support your position, such as an assignment of mortgage which shows that it was assigned after the trust cut-off date, which makes the assignment invalid. It appears that you already have this, but without the accompanying information and evidence, you cannot support your argument.

    Therefore, we highly recommend that you also order our CERTIFIED MORTGAGE SECURITIZATION AUDIT, which will arm you with the powerful and critical evidence you will need in order to support you case with written documented evidence before the court. It provides you with a complete chain of title, robo-signer analysis, sworn affidavit of the facts, and complete information on the trust, along with legal authorities to educate the judge on securitization law, as they are usually very ignorant of the law, believe it or not.

    We recommend you order the audit ASAP, as it takes about 10 days to complete and return to you.

    Admin.

  134. Comment by revolt — March 22, 2012 @ 11:02 am

    Charles,

    Did you ever receive the summons and complaint, which was to notify you that the foreclosure process had begun? At any rate, you need to file an opposition to the summary judgment, which will argue that the lender has no right to a summary judgment. A motion for summary judgment essentially argues that there are no material issues in the case left to be argued, and therefore the court should grant them the right to foreclosure.

    If you have any arguments such as you feel the lender is not the real party in interest, meaning they cannot prove they are the owner of your mortgage, that is a material issue that has to be decided before one can be granted a summary judgment. Also, if discovery has not been completed, meaning if you are asking the lender to provide you with documented evidence to establish they are the true owner of your mortgage, summary judgment is not to be granted when there is outstanding discovery request that have not been satisfied.

    You can download our Opposition To Summary Judgment from our website and file it in your case.

    Admin.

  135. Comment by charles cobbs — March 22, 2012 @ 6:56 am

    I received a motion for final summary Judgment of Forclosure dated march 15 2012 for,flagler County florida, what should I do nexy?

  136. Comment by Daniel — March 21, 2012 @ 1:33 pm

    Hi, Just received a notice of foreclosure sale (motion to ratify the final judgement of foreclosure and to reset sale dated feb 27th 2012 to April 10th 2012.
    1. we never received the notice of foreclosure sale for Feb 27th (Thank God)
    2. we believe we have a securitized loan as the plaintiff is DEUTSCHE BANK TRUST AS TRUSTEE FOR RALI 2005QS17
    A lis Pendeds Recorded Date: 11/14/2008 By DEUTSCHE BANK TRUST AS TRUSTEE FOR RALI 2005QS17
    An Assignment Recorded Date: 02/01/2010 Electronic Registration System to DEUTSCHE BANK TRUST AS TRUSTEE FOR RALI 2005QS17
    3. civil action summons were made by Law Offices of Howard J stern, P.A.
    We have a warranty deed and we live in Florida.
    My questions are the following;
    Are we in a judicial or a non-judicial foreclosure state
    since time is crucial in this case which document should I purchase to immediately stop the foreclosure sale on April the 10th 2012 as our first line of Action
    We filed Bankruptcy Dec 24th 2008 and we included both our mortgages in the bankruptcy. Does this have a negative impact on our case

  137. Comment by revolt — March 20, 2012 @ 2:14 pm

    Howard,

    We thank you for your post. However, the latest update regarding the deceptively named Fair Foreclosure Act, is that it failed to pass in the senate due to the bill being cleverly stalled from coming to the senate floor for a vote in the final legislative session.

    It is expected that it may be brought back to the senate next year for a vote, but for now the homeowner advocates have successfully fought off the bill. See the link below for more information on how the bill did not get passed. http://www.palmbeachpost.com/money/foreclosures/fast-foreclosure-bill-may-return-2248002.html

  138. Comment by revolt — March 20, 2012 @ 2:07 pm

    Dear Diane,

    We understand your skepticism, as we get this all of the time. We are not some high pressure organization. We encourage you to due your due diligence, read the information we have provided to you in order to help you make an informed decision, and decide for yourself if you feel that our information and foreclosure defense strategies are appropriate for your situation.

    We have a 100% success rate in our 90 Day Program. On a scale from 1 to 10, the difficulty is zero, as we provide step-by-step instruction through our program, and then in addition to that we provide our clients with a dedicated email consultant to answer, and assist with any questions the client might have.

    You can go to our website and read the testimonials posted, along with actual copies of the Release Of Liens posted on the site by our actual clients who completed the program, and have allowed us to post a redacted copy of their actual release of lien. It is the final step in the process recorded by the county recorder, proving that the bank’s mortgage has been removed from the record, leaving them with no documented evidence to establish that they have any further security interest in the property. Without that, they have no legal authority to foreclose on your property.

    You obviously have not reviewed the site, or you would have already seen the information you are asking questions about. You need to also read the articles: The 90 Day Take back Program Parts 1&2, so you’ll have a comprehensive understanding of the 90 day process, and the legal merits upon which it is based.

    We are not hear to scam anyone. We are here to help inform and empower homeowners on how to fight to save their homes from the banks who are essentially stealing the wealth of America in one of the most unprecedented rip-offs of our time.

    However, it is up to you to due the homework, and read the information that is available to you, in order to make an informed decision.

    Admin.

  139. Comment by Diane Raybould — March 11, 2012 @ 11:50 am

    What percentage of people that have use Homeowners Revolt 90 day program have successfully kept their homes from foreclosure? What difficulties did they experience in dealing with the process on a scale of 1 through 10? Where are all the testimonials, positive or negative, from people that have gone through the process and how it did or did not benefit them? I have been schemed big time before by a debt relief program. I am aware of the fraudulent scheming of the banks and am wondering if the website SEDM.com is all I need to get through the fight against the banks? Please e-mail me answers to the questions I’ve asked.
    Thank you, Diane

  140. Comment by revolt — March 9, 2012 @ 12:06 pm

    Nicole,

    We emailed you some information on our Securities Fraud Lawsuit. If you left a phone number on our toll free line, an agent will return your call at our earliest convenience. If not, please send a number to call to our email address at support@thehomeownersrevolt.com

    Admin.

  141. Comment by Howard — March 8, 2012 @ 1:58 pm

    Hello All….It has been a LONG time since I have posted on this site.
    Personally so far so good with my particular situation. The reason for the post is directed towards those folks in Florida. The state legislature is about to pass a new foreclosure law which is cynically called the Fair Foreclosure Act…but in reality it is very slated towards the lenders. This law will essentially gut the primary hurdles that the lenders currently are facing in Florida foreclosure activity. There will no doubt be some constitutional challenges but that process does a LONG time and frankly the lenders dont care because in the interim they will have foreclosed and moved on. Should a constitutional challenge be victorious it will be rather academic because thousands of peoples properties will have been lost. Of course those people can sue, but that will also be a long and expensive process. The banks have legions of lawyers who can tie suits up forever. There is currently a Florida case where a bank was CLEARLY at fault and has lost at every step and it is in the appeal process. That sounds good!, however, it has taken ten years to get to this point not counting what must be overwhelming legal costs. Anyway, the main aspect of the new Florida law will remove the requirement from lenders that they must provide an original or copy of the note and they also do have have to account for the assignment trail. Over the last couple of years, contested foreclosures in Florida are taking two years or longer. Less than 10% of filed foreclosures are contested. The other 90% are run through the so called rocket docket, but even with this expedited path, the foreclosures are taking several months. With this new law it is anticipated that the uncontested or defaulted cases will take about four months and the contessted ones nine months to a year. Florda is one of the leading states in the nation for foreclosure activity and while less than 10% are contested, that still represents thousands of contested foreclosures dating from the last four or five years. Not to be a downer, but in researching activity and status on the contested cases, there has not been a single example of someone getting their home free and clear. The best cases have been renegotiated deals on one hand and on the other, there are thousands who are allowing the system to grind on since the banks have not been able to provide acceptible documentation…..of course this could now change.

  142. Comment by Nicole — March 8, 2012 @ 1:14 pm

    I am trying to get ahold of someone by phone to see if the securitization audit lawsuit will be effective and if it is the right way to go about my situation. This is an urgent matter. Thank you!

  143. Comment by revolt — March 7, 2012 @ 2:33 am

    Hiram,

    We apologize for any technical difficulties you may have had. Sometimes our clients may click on the link in the email, and then wait to open the documents. After the link has been clicked on once, it is locked after that point.

    Not to worry, we have sent your documents to you directly via email. Just check your email. You’ll find them there, and you should be able to access them easily, as they have been sent via email as an email attachment. Thank you for your patience understanding.

    Admin.

  144. Comment by revolt — March 7, 2012 @ 2:27 am

    Eric,

    You are in a judicial state. If you have a court hearing, it appears that you may have received a notice of trustee sale to sell your property. The court hearing may be for eviction purposes, but this is all just speculation, as it is impossible for us to know the status of your case without having the court documents to review.

    Admin.

  145. Comment by revolt — March 7, 2012 @ 2:24 am

    Okay. Thanks.

    Admin.

  146. Comment by revolt — March 7, 2012 @ 2:23 am

    Faith,

    Our “Notice Of Default Dispute Letter” is in letter form, as it is not to be filed with the court. It is to be served on your lender and loan servicer (the entity listed on the NOD). If we understand your situation correctly, the lender has not filed a foreclosure complaint with the court yet.

    The NOD you received is what is filed prior to the lender filing a foreclosure complaint with the court. Your serving our “Notice Of Default Dispute Letter” stops all foreclosure procedures until they comply with the information requested in your letter, pursuant to the Fair Debt Collection Practices Act 15 U.S.C. Section 1692, As Amended.

    The letter demands that the bank validate the debt, and prove that they are the true owner of your mortgage. Until such time as they comply with your letter, all foreclosure actions must cease and desist under the law. This buys you time to implement additional foreclosure defense strategies.

    Please leave a number for us to contact you at our email address: support@thehomeownersrevolt.com Also, please read the “90 Day Take Back Program” parts 1 & 2, so that you will have a comprehensive understanding of the legal merits upon which it is based, and we can save time not having to answer questions that are already available on the website. Thank you.

    Admin.

  147. Comment by revolt — March 7, 2012 @ 2:09 am

    If you have a trust deed, you’ll need the non-judicial document. As for your court hearing, it is difficult to respond responsibly without reviewing your court documents.

    Admin.

  148. Comment by revolt — March 7, 2012 @ 2:06 am

    Eric,

    We sent a response directly to your email.

    Admin.

  149. Comment by revolt — March 7, 2012 @ 2:05 am

    Faith,

    We will give you a call tomorrow. We try to return calls promptly, but we are extremely busy trying to service all of our members who have acquired our program, and they must be given priority service. Did you leave a number to call? Just in case, please send us your number at our email address support@thehomeownersrevolt.com

    Admin.

  150. Comment by HIRAM MARTIN — March 7, 2012 @ 12:06 am

    DEAR HOMEOWNERS REVOLT:

    I ORDER THE FOLLOWING:

    STOP TRUSTEE SALE DEMAND
    SECURITIZTION PROCESS A THRU D
    TAKE YOUR PROPERTY BACK: STEP BY STEP MANUAL

    WHAT HAPPENED? I NEVER GOT THE DOWNLOAD. IS IT COMING BY US MAIL?

    PLEASE HELP. I PAID 79.85 USD. RECEIPT ID #2813-2671-7094-1460.

    I WANT TO JOIN THE HOMEOWNERS REVOLT MEMBERSHIP BUT I WANT TO SEE SOME OF YOUR
    PRODUCTS FIRST.

    THANKS

    HIRAM MARTIN

  151. Comment by Faith — March 5, 2012 @ 2:35 pm

    I have tried to reach someone all day. Could someone please call me or email me. I have some questions about the 90 day program.

    I live in Florida and got served forclosure papers on Feb 18.

    Robo signer on assignement of morgage. Loan was in a securitized trust.

    Faith my time is running out can you call me please Thank you

  152. Comment by Eric — March 5, 2012 @ 7:53 am

    Thanks for the info but I’m still confused on which letter to send. I looked and I have a trust deed which leads me to believe I need to send the non-judicial dispute letter but there is also a court hearing and Sheriffs sale scheduled. Doesnt that mean its being scheduled as a judicial foreclosure? Sorry, I just want to be sure to send the right letter! Thanks again

  153. Comment by Eric — March 5, 2012 @ 7:18 am

    Thanks for the info! But which letter should I download and send? I just looked and I have a trust deed which leads me to believe non-judicial but there is a court hearing scheduled as well as a sherrifs sale, doesn’t that mean the foreclosure is being scheduled as a judicial foreclosure? Sorry, I just want to make sure I send the right letter!

  154. Comment by Faith — March 4, 2012 @ 10:15 am

    I am in a judicial state

    Faith

  155. Comment by Faith — March 4, 2012 @ 10:14 am

    You instructed me to purchase the NOD which I did. It seems to me this is in a letter form. Is this what I am suppose to file at the court house?

    I am prepared to purchase you 90 day take back my home but would like to speak to someone on the phone first. How can I do that/

    Thank you

  156. Comment by Eric — March 3, 2012 @ 12:46 pm

    Thanks for the info! But which letter should I download and send? I just looked and I have a trust deed which leads me to believe non-judicial but there is a court hearing scheduled as well as a sherrifs sale, doesn’t that mean the foreclosure is being scheduled as a judicial foreclosure? Sorry, I just want to make sure I send the right letter!

  157. Comment by revolt — March 3, 2012 @ 10:03 am

    Eric,

    If you have a trust deed you are in a non-judicial state. If you have a mortgage deed you are in a judicial state. However, your right to dispute the debt is a right under Federal law, and therefore applies to non-judicial and judicial states.

    Download our “Notice Of Default Dispute Letter”. We have a non-judicial and judicial version of the document. Get it filed ASAP! The Fair Debt Collection Practices Act 15 U.S.C. Section 1692, as Amended, requires the lender to stop all foreclosure proceedings until they have complied with providing the requested information in your dispute letter. Obviously this buys you time to implement additional foreclosure defense strategies.

    Big banks or small banks, they all sell loans. The key is to force them to prove that they own your mortgage, and are still in possession of the promissory note. Our programs work on any mortgage loan, as real estate contract law is based on the laws of negotiable instruments, and every mortgage loan is based on a negotiable instrument.

    Admin.

  158. Comment by Eric — March 3, 2012 @ 8:38 am

    Is there a way someone can call me? I am in NC and have a few questions about which forms I need. From what I can find it says NC primary method is non-judicial foreclosures but it also says the lender can go to court in judicial proceedings. I am running out of days to file a “dispute the debt” letter within the 30 day window. The banks attorneys said (in a letter) that they can initiate foreclosure preceedings before the 30 days but if i dispute the debt then they have to suspend the proceedings unitl they send me validation the debt. Does that mean that the scheduled court hearing and sherrifs sale will be rescheduled? I also have some questions about my lender who is a small bank that isnt part of any government programs and has denied me twice for a modification. As far as I can tell they have owned my mortgage since day one. Does your tactics still work with a small bank like mine? Or are they meant for the big banks that sell mortgages over and over?…HELP!!

    Thanks in advance!

  159. Comment by revolt — March 2, 2012 @ 10:06 pm

    JZ,

    Yes, we are litigating cases. However, your assumption is Incorrect. Yes, you are missing something, the legal knowledge of how to litigate a case without being a lawyer.

    Admin.

  160. Comment by revolt — March 2, 2012 @ 10:02 pm

    doulos,

    Email counselor are only provided after you’ve purchased the “90 Day Take Back Program”, and you have become a program member. Have you purchased the program?

    Admin.

  161. Comment by JZ — March 2, 2012 @ 9:01 pm

    But you specifically stated that you are litigating cases, so that would make you a lawyer, correct? Am I missing something?

  162. Comment by doulos — March 2, 2012 @ 6:34 pm

    What THR email can I send questions into so I can get an email counselor?

    Thanks

  163. Comment by revolt — March 2, 2012 @ 9:43 am

    Jz,

    We’re not a law firm. However, we have affiliate law firms in different states that we will refer to clients in need.

    Admin.

  164. Comment by revolt — March 2, 2012 @ 9:41 am

    Faith,

    You need to download our “Notice Of Default Dispute Letter”. Your loan has been securitized, and it is very likely that the lender may not be able to even prove they own your mortgage, as in the process of securitization, 90% of the notes were lost.

    What state are you in? Is it judicial or non-judicial? Asking for more time gets you nowhere. You must take a legal approach that demands that you get more time, without having to ask for more time.

    For example, once you serve them with our “Notice Of Default Dispute letter”, the Federal law pursuant to the Fair Debt Collection Practices Act 15 U.S.C. Section 1692, As Amended, requires that they stop all foreclosure actions until they have complied with the information requested in your dispute letter. This automatically buys you more time, without having to ask for it. Your legal rights afford you more time, if you know what they are, and how to use them.

    The banks don’t care about giving you more time. You better wake up to the reality very quickly if you plan on saving your home. We don’t mean to be cruel, we just want you to know that the banks have launched a mortgage WAR to take your property, and they’re not going to play nicey nicey with you.

    If you don’t start getting proactive, and begin to empower yourself with the knowledge you will need to fight for your home, they’re going to take it from you, and will put you and your family out on the street without a blink of an eye, as they have already done to millions of homeowners across the nation.

    You need to read all of the information that you can from our website, so you understand what you’re up against, and what foreclosure defensive strategies are avaiable to you. Read the “90 Day Take Back Program” parts 1 & 2 to find about about how to 100% legally reconvey the property title back into your name, and stop the bank dead in their tracks, or about filing a securities fraud lawsuit against them.

    Admin.

  165. Comment by revolt — March 2, 2012 @ 9:20 am

    Richard,

    Please send all of your questions to csrevolt@earthlink.net. We apologize if one of your emails may have been overlooked.

    Admin.

  166. Comment by Richard — March 1, 2012 @ 12:30 pm

    the letter to the FEDERAL TRADE COMMISSION and the State Attorney ask for the alleged mortgage loan and security agreement that I was induced into signing by the original alleged lender, NAME OF YOUR BANK, previously located Your Bank’s Mailing Address. So is name of your bank the one you are paying your payments to or the one listed on the deed as the lender? Also Please place this correspondence in a complaint file in the event that NAME OF YOUR BANK, is that the same as above?

    Man am I getting confused as to who is who:(

  167. Comment by Faith — March 1, 2012 @ 11:19 am

    I just receiced a forclosure notice from Deutsche Bank as Trustee for Argent Secuities inc. Asset-Backed Pass-Through Certificates Series 2006-W1

    My Morgage was with Argent Morgage that went out of business in Aug 2007. Looks like Citi Group purchased Argent Morgage.

    Inside the 2006-W1 trust Argent Securities was the depositor, Deutsche Bank was the trustee.

    can anyone help with the steps I need to take.

    I plan to ask for more time

    What should I do after that?

    Thanks

    Faith

  168. Comment by revolt — March 1, 2012 @ 8:46 am

    Henry,

    If the house has already been forclosed on, then the “90 Day Take Back Program” is not the right defensive strategy to employ. You will need to file a lawsuit in order to get your property back, and recover damages from the bank if the foreclosure has already taken place.

    Admin.

  169. Comment by revolt — March 1, 2012 @ 8:44 am

    Henry,

    You are automatically assigned an email consultant upon receipt of your email questions. Just send your email question, and a consultant will respond to you usually within 48 hrs. from receipt of your email.

    Admin.

  170. Comment by revolt — March 1, 2012 @ 8:41 am

    MikeinTN,

    The Securitization fraud is much broader than the MERS assignment issues, and each case is different, based on the evidence and violations committed. For example, when the assignment was executed after the trust cut-off date, the assignment is invalid. In this scenario, the issue is not whether MERS had the right of assignment, but whether the assignment was executed in compliance with the provisions of the trust agreement and pooling and servicing agreement.

    Additionally, the article comes from the MERS website, so it is tilted a bit to favor MERS, in making it appear that MERS assignments have been upheld in all 50 states, when that is far from the truth. MERS has been ruled against in several different states.

    One cannot get discouraged, or read too much into these individual rullings, as they differ from state to state.

    Admin.

  171. Comment by Henry` — February 29, 2012 @ 10:34 pm

    If the house has been foreclosed, is there still something that the
    “90-Day TAKE BACK” program can do?

    Thank You

  172. Comment by MikeinTN — February 29, 2012 @ 4:44 pm

    http://www.mersinc.org/newsroom/press_details.aspx?id=362

    Not good news for the MERA securitization defense.

  173. Comment by revolt — February 28, 2012 @ 9:02 pm

    Daniel,

    The Notice Of Fraudulent Transfer is used to notify any potential buyers of the property, that there is a cloud on the title of the property. So any would be investor, who might attempt to purchase the property at a foreclosure sale, will not be able to acquire title insurance on the property, thereby deterring them from purchasing the property, as title insurance assures the buyer of a property that the title is clear of any liens, or other encumbrances.

    No investor in their right mind will purchase a property without title insurance, as they could end up spending money, and lose it because they find out that someone else is also on title of the property, and they do not have control of the property.

    The document is to be recorded at the county recorder’s office, and with all property purchases, any potential buyers will want to acquire title insurance to secure the property. Once they go to a title company for the insurance, the title company does a title search of the property, and the Notice Of Fraudulent Transfer will show up on the title search. This clouds the title, and should prohibit any smart investor from purchasing the property, until they can get the cloud on the title removed.

    Admin.

  174. Comment by revolt — February 28, 2012 @ 8:48 pm

    Charlotte,

    After 2 years and 3 mos. of being ignored, you sent one letter from us and were offered a trial modification. That’s a good response. You know you have there attention now. This shows you that once they know that you understand the law, and how to hold them accountable, they are forced to deal with you differently.

    What you do next is up to you. You must determine what you want. Do you want to challenge their ownership of your mortgage? Would you like to negotiate a loan modification, or would you like to take your property back free & clear?

    You must decide what your goals are before you can determine the best course of action moving forward.

    Admin.

  175. Comment by revolt — February 28, 2012 @ 5:17 pm

    Conniegirl77,

    It is possible to move forward with a “Securitiztion Lawsuit” while simultaneously completing the administrative process. In fact, it will create even more leverage for you against the bank, as they will see that you are not bluffing about pursuing them, and holding them accountable for their violations of law, and it will cost them money to defend against your lawsuit, which hits them where they live, in the pocketbook.

    It will show them that you are fully aware of your legal rights, and put them into a position of being more willing to negotiate some form of settlement, once they know you have the evidence against them to prevail in your lawsuit.

    Under the law you are entitled to statutory damages of up to 3x the amount of the existing loan balance, and in some cases punitive damages can be assessed as well in the amount of usually 4x the statutory damages. This usually ends up being in the millions of dollars.

    However, we recommend that you order our CERTIFIED MORTGAGE SECURITIZATION AUDIT, so that you will have the critical and powerful written and documented evidence you will need in order to prevail in your lawsuit. Remember, you can make all of the allegations you want, but your case will based on the evidence you provide to the court that establishes the facts of the alleged fraud that was committed by the bank.

    We will email you some information on our audits, and if you have not downloaded our “90 Day Take Back Program” we advise that you start that process ASAP, if you are considering doing so.

    Admin.

  176. Comment by Conniegirl77 — February 28, 2012 @ 8:06 am

    This is a question about the “Securitization Lawsuit.” Firstly, is it possible or advisable to go forward with a “Securitization Lawsuit” if you are already towards the end of the administrative process to stop the foreclosure of your home? Secondly, within this “Securitization Lawsuit” does it provide for collecting damages from the Bank, that is, can we also sue for monetary damages in addition to putting a stop to a foreclosure? Thank You, Conniegirl77

  177. Comment by Daniel — February 27, 2012 @ 4:08 pm

    Hello,

    Can you please explain the usage of Notice of Fraudulent Transfer.. and at what point this document could/should be applied? … is this document to be recorded at the recorders’ office?… please explain how any potential buyers of property would be notified that using this document.. there is a potential “cloud” on the title to the property?

    Thank you!

    Daniel

  178. Comment by Charlotte — February 27, 2012 @ 2:11 pm

    I sent an email 7-10 days ago and have not gotten a response yet. As follow up, I sent the “notice of Default Dispute” letter, and got the standard form letter back that they are putting the documents together, please be patient. 5 days later, after 2yr 3mo of trying to negotiate a loan modification, I get this letter, “Congrats! You have been approved for a trial loan modification”. What is my next step? What do I do next?

  179. Comment by revolt — February 25, 2012 @ 11:36 pm

    Sarkis,

    Your loan has been securitized. It was sold to an investment trust and pooled with hundreds of others loan illegally, then to be sold to private investors all over the world. The Bank of New York Mellon FKA The Bank of New York, as trustee for the certificate holders of the CWALT, Inc., alternative loan trust 2006-J1 Mortgage Pass-Through Certificates, Series 2006-J1, is the trust entity which claims to own your mortgage, but chances are they cannot prove it, because when these banksters securitized your loan, in their greedy haste to make money, the did not keep up with the proper paperwork, which was required to comply with the legal structure of the trust agreement.

    We don’t know how much time you have, or if you are already in foreclosure, but you need to immediately start gathering your evidence against the bank, in order to stop them from foreclosing on your home.

    You can download our “90 Day Take Back Program” and 100% legally reconvey the title of your property back into your name, or if you don’t have enough time to implement that process, you can order our CERTIFIED MORTGAGE SECURITIZATION AUDIT, which will give you a complete roadmap of how many times your loan was sold, to whom, and who owns it now. It will also tell you if there were any Federal violations committed during the securitization process, and how you can expose the bank for committing possible fraud in attempting to foreclose on a property they know that don’t truly own.

    You may have to sue them in order to stop the foreclosure, depending on which state you live in. You can download our “Securities Fraud Lawsuit” and sue them for illegally securitizing your loan.

    If you’re going to save your home, you will need to get proactive and get on offense, instead of waiting around on defense to see what they’re going to do. We can tell you what they’re going to do. They’re going to try and steal your home from you.

    Go to our site and read the “90 Day Take Back Program” parts 1 & 2. It will give you a comprehensive breakdown of how the process works, and the legal merits upon which it is based. We’ll send you some information on our audits as well.

    We’ve got the foreclosure defense WEAPONS OF MASS DESTRUCTION, you’ll need in order to fight your mortgage WAR and WIN!

    Admin.

  180. Comment by revolt — February 25, 2012 @ 11:16 pm

    Dean,

    Do know about your friends, and what program they used, but we’ve had a 100% success rate with our program, which is applicable in all 50 states. Read the FAQ on our site.

    Admin.

  181. Comment by revolt — February 25, 2012 @ 10:58 pm

    Melissa,

    We recommend that you download our “90 Day Take Back Program” which allows you to 100% legally reconvey the title of your property back into your name. Go to our site and read The 90 Day Take Back Program” parts 1 & 2. It will give you a comprehensive breakdown of what the program consist of, and and the legal merits upon which it is based.

    You should also consider downloading our “CERTIFIED MORTGAGE SECURITIZATION AUDIT“. Approximately 90% of allloan originated between 2000 and 2009 were securitized. In most of these cases the lender has lost the promissory note, and cannot prove that they even actually own your mortgage. The audit allows to acquire the critical and powerful evidence against the banks to expose their possible fraudulent attempt to foreclosure on your property.

    Its time to get proactive, and fight to save your home. We have the WEAPONS OF MASS DESTRUCTION you’ll need in order to fight your mortgage WAR and WIN!

    Admin.

  182. Comment by MELISSA — February 24, 2012 @ 6:25 pm

    I FOUND THIS SITE BY ACCIDENT AND I HOPE YOU CAN HELP ME.I HAVE JUST RECIEVED NOTICE OF INELIGIBILITY FOR A MOD LOAN BECAUSE MY LOAN PAYMENT WAS UNDER 31% OF INCOME AFTER GETTING THE RUN AROUND SUCH AS INCOMPLETE PAPERWORK,EXPIRED PAPERWORK(BANK COULDNT MAKE A TIMELY DECISION)WAITING ON AN APPRAISAL(THEY NEVER MENTIONED IT WAS ONLY FOR SHORT SALE PRICING)AND REPEATEDLY SENDING PAPERWORK AFTER 14 MONTHS. PAYMENTS FELL BEHIND IN OCT 2010 REQUESTED MOD IN DEC BUT WASNT SENT PAPERWORK TILL JAN 2011.I TRIED MAKING PAYMENT OF 1/3 BACK PAYMENTS IN MARCH AND THEY SENT THE CHECK BACK.PLEASE TELL ME WHAT STEPS I SHOULD TAKE TO AVOID GOING INTO FORCLOSURE. SINCERELY, MELISSA

  183. Comment by Sarkis — February 23, 2012 @ 2:30 pm

    Hello,
    I purchased my house on the 22 of December of 2005. My loan was originally with Flagstar Bank FSB and it has now changed at least 4 different lenders. Now my loan is with Bank of America. I requested a QWR-RESPA-TILA_FORM – a copy of my Deed of Trust and here is what the Bank of America has sent me,
    Here is what the foreclose company
    (Your requested information regarding the owner of the note of this loan, which is as follow: The Bank of New York Mellon FKA The Bank of New York, as trustee for the certificate holders of the CWALT, Inc., alternative loan trust 2006-J1 Mortgage Pass-Through Certificates, Series 2006-J1, Bank of America N.A has serviced the loan since March 1, 2006)

    How Bank of America N.A has has serviced the loan since March 1, 2006, if my loan was with Flagstar Bank, Countrywide Bank up until 2008 and got transferred to Bank of America only when Bank of America acquired countrywide bank in 2008?
    Are they saying that they owned the Deed of Trust and the Note since March 1, 2006?
    Do you have an email where I can send you the doc to look at?
    Here is what I got from Bank of America,
    Deed of Trust
    Borrower is SARKIS GEGAMYAN An unmarried Man, as his sole & separate property,
    Borrower is the trustor under this Security Instrument “Lender” is Flagstar Bank, FSB
    Date 12-22-2005
    Does this mean bank of America has and owns the Deed of Trust and the Note on my house? Can they continue with the foreclosure?
    Thanks for your help!
    sgegamyan@yahoo.com
    Sarkis

  184. Comment by Dean — February 23, 2012 @ 2:30 pm

    I am seriously considering to purchase the 90 day program. I just wanted to know how successful is this program in the Northern California. I notice you stated in July of 2010. Some of my friends who join the free and clear program spend a lot of money and have been unsuccessful.

  185. Comment by revolt — February 22, 2012 @ 10:42 am

    JZ,

    You can review our website and read through the testimonials. You can also find on our website the actual redacted “Release Of Lien” documents posted on our website from client who successfully completed the “90 Day Take Back Program”. That is the final proof that the title was successfully reconveyed back into the homeowner’s name, and that the lender’s lien was released.

    We are not at liberty to provide you with case # that we are litigating, as that information is confidential, and we must always protect the confidentiality of our clients.

    Admin.

  186. Comment by revolt — February 22, 2012 @ 10:34 am

    Donna S,

    We are sorry to hear about your apparent travesty of justice. Depending on the judge you get, the judicial system can be an extremely frustrating ordeal. Judges act with impunity, because they feel that very little can be done to hold them accountable, but still you must stay vigilant.

    Here are some option you can explore. File a complaint with the Judicial Qualifications Commission. This is the governing body which is supposed to hold judges accountable for any misconduct, or violations of the canons of their judicial conduct. Here’s the contact information for the Florida Branch:

    Judicial Qualifications Commission
    1110 Thomasville Road
    Tallahassee, FL. 32303
    (850) 488-1581

    Also, contact your state attorney general office and file a complaint. Contact the FBI Mortgage Fraud Division and file a complaint. You must find a way to apply pressure on the judge, which would threaten his position by exposing his corruption of the judicial system. Also contact the Chief Judge of the court, and explain the judicial misconduct perpetrated by the judge in your case. He is obligated to follow rules of judicial administration, which means he can’t just close your case. It must be litigated, or dismissed.

    The case cannot just stay in limbo. It must be fully adjudicated and resolved. Let us know what court you’re in, and the name of the judge. Perhaps there is some background information that can be acquired to determine the past history of this judges record, which might help others in your area who might experience similar misconduct.

    Admin.

  187. Comment by revolt — February 22, 2012 @ 10:08 am

    Richard, yes we are working with clients presently from Arizona. As we are not just a website, but are also engaged in litigation in several states, we cannot always post new article everyday. We try to make sure that the most relevent news articles get posted.

    Admin.

  188. Comment by Donna S — February 21, 2012 @ 10:32 pm

    We filed a quiet Title action and Lis Pendens months before HSBC illegally took the property and Colorado allowed them to continue with the foreclosure anyway issuing a Public Trustees Deed, knowing full well that there were massive problems of fraud that we showed to them. The judge granted our QT and then rescinded it 2 hours later! No he hasn’t dismissed our case – he just “closed” it – and will NOT respond to any of our motions, questions or anything! He just blew us off! So now our property sits vacant, HSBC can’t do anything with it and neither can we.

    We’ve done everything the court told us to do after he rescinded it – as time consuming and absurd (obviously he was buying time)as it was. Our Lender of Record doesn’t even exist anymore and their trustee in bankruptcy wrote a letter to the court saying to give us the QT! But no, the judge again “closed” our case with no response.

    Now what do we do?? Obviously our due process rights have been run over!

  189. Comment by Richard — February 21, 2012 @ 2:52 pm

    Hi

    I am wanting to start to take my home back and am curious if anyone in the Phoenix AZ area has done this. I have read lots and lots of posts and have not seen any from my state. I have given up on the Making Homes affordable help as I have been trying for 2 years now and keep getting denied. I made my last payment in October of 2011 and have given up. Found your website and am starting to get some hope back but guess I just need to bight the bullet and do the 90 day program. Also notice that there does not seem to be any recent posts on your web site, there has been posts every day and they just seem to have stopped nothing newer than 11 days ago why is that??

    Thanks

    Ric

  190. Comment by JZ — February 19, 2012 @ 6:46 pm

    Hello,
    I have been reading your comments for sometime.. I noticed you posted that you are in court a lot, are there case # numbers that we can reference to follow the success of the program or are there a list of names of your customers or references we can contact to verify that your program actually works.. Also, is it possible to get your name?? I am just very wary of scams.
    Thanks
    Jz

  191. Comment by revolt — February 10, 2012 @ 2:06 pm

    Matt,

    First of all, Conniegirl77 specifically asked us about filing our “Secutities Fraud Lawsuit”. All of her questions were regarding securitiztion, and we answered her questions as she requested. She did not ask about the “90 day Take Back Program”. She did not ask about any other foreclosure defense strategies. Therefore, we addressed only her specific questions.

    Secondly, she has already done her preliminary due diligence, and has discovered the full name of the investment trust entity, which securitized her loan. Her scenario is different from yours. If you’re going to try and make comparisons, you must compare apples to apples.

    In speaking with you, you provided specific information about your scenario, and you indeed did ask about different foreclosure defense strategies available. We provided you with those options, and you seemed to prefer the option, which did not required you to take the judicial process of going to court, and having to be before a judge. You indicated that you preferred the administrative process, which did not require you to go to court, so we recommended our “90 Day Take Back Program” for you.

    You also have not done any due diligence, or had an opportunity to acquire any evidence against the bank, as Conniegirl77 has. So we feel that we made the proper recommedation for your particular situation.

    The securitization audit comes into play, because it is an extremely powerful tool in acquiring devastating documented evidence against the bank. As it was explained to us by you, at this time you have not done any legal research, or acquired any evidence to support your case, so we recommended that you order our “Certified Securitiztion Audit”, so that you can get the evidence you will need in order to support your position, and cover yourself legally.

    We would recommend the audit for both the “90 Day Take Back Program”, or the “Securities Fraud Lawsuit”, as no matter what foreclosure defense strategy one uses, the bottom line with any and all scenarios is evidence, evidence, and more evidence. Without the evidence, you have nothing to support your actions, and could potentially put yourself in a compromising situation.

    Matt, we understand that this is a very anxious and difficult time, as facing foreclosure is a very traumatic experience for most homeowners, but at some point we hope that you will learn to trust that we are using our 15 years of civil litigation experience on your behalf, and that it is that same experience that allows us to make the proper recommendations that will fit your specific situation.

    Our company was founded because we could not stand the corruption and the injustices that have been perpetrated on millions of homeowners, and we have been in your shoes. We started out litigating these cases, and discovering through first hand experience how the banks were stealing peoples homes.

    We are sincerely here to help you fight for your home, and we hope that you will allow us to help you, as our intentions are of the highest integrity, and if we do say so ourselves, we’re damn good at it!

    Thank you for your understanding.

    Admin.

  192. Comment by revolt — February 10, 2012 @ 1:22 pm

    Ron Van Dyke,

    We are sorry to hear about this horrible situation. It is completely disgusting to hear that these criminal “banksters” seem to be getting away with this. You say you have never had a foreclosure hearing, but yet you say you have been in the appellate court. Your statements here are a bit confusing, and contradictory.

    However, without the facts of your case, it is difficult to provide you with information, which might be the most appropriate solution for you. Notwithsatnding, you might consider filing a civil complaint against the lender, along with a motions for a temporary restraining order and injunction. If your motions are granted, it would stop the foreclosure sale until the merits of your lawsuit have been determined.

    At this point, it appears that the only course of action left that could possibly stop the sale would be a lawsuit.

    Admin.

  193. Comment by Ron Van Dyke — February 10, 2012 @ 12:41 pm

    My home is scheduled for foreclosure sale on 2/15/12. Get this: I have never had a mortgage on this property; and there has never been a foreclosure hearing. I went through the appeals process; and they ended up allowing the lower court judge I was appealing to write the “opinion” that apparently decided the case, as all three appellate judges concurred. I’ve been on the phone for a good while today with PNC Bank headquarters in Pittsburgh. They could find no record of me at first. Then they transferred me to the “criminal” headquarters in Ohio. I’m still waiting for the call back from someone who may be able to help me.
    People keep telling me to sue them and the attorney. I may have no other choice.

  194. Comment by Matt — February 10, 2012 @ 10:55 am

    I wanted to ask, based on your latest reply to Conniegirl77,

    I noticed you did not recommend the 90 day program. I just purchased that program but reading Connies comments, I may have purchased the wrong product. Thats the thing…how do you know what is the best course of action for your particular situation?

    And to follow up to that, where does the securitization audit come into play for the 90 day program? Are you having to use that more with the securitization law suit? Please clarify…

  195. Comment by revolt — February 9, 2012 @ 7:41 pm

    Conniegirl77,

    Yes, you have asked a lot of questions here, but you have posed some excellent questions, and we applaud the due diligence you have already conducted. In our opinion, your case is an excellent Securities Fraud Lawsuit case, and here’s why. Every securitized trust has a trust cut-off date, by which all assignments must be made. If the assignment date is 2010, and the trust cut-off date was 2006, then the assignment is invalid, and unenforceable. In many cases the banks have filed these fraudulent and forged documents in order to justify their fraudulent attempts to foreclose on millions of unsuspecting homeowners, and unfortunately 95% of all homeowners never challenge the bank’s legal rights to foreclose.

    In your case, you also can establish that the trust may not have even existed at the time that the assignment was allegedly made in 2010, further establishing that the assignment is invalid, and fraudulent. Most of these trust file a 15-D6 Notice Of Termination Of Registration document, shortly after the trust is created or registered.

    The trust agreement which governs the trust establishes that the trust cut-off date is usually 90 days after the trust has been registered. So, even without knowing the exact trust cut-off date, the cut-off date would have been sometime in 2006. Therefore, it seems clear that the assignment is invalid and fraudulent, as it was not executed until 2010. Also, you should run a robo-signer google search using the names of the persons who signed the assignment. They are most likely robo-signers.

    Your case fits perfectly with our “Securities Fraud Lawsuit”, and it would absolutely be best if you ordered our “CERTIFIED SECURITIZATION AUDIT” to accompany your lawsuit, as it will provide you with the “Smoking Gun” evidence you will need to fight your mortgage WAR and WIN! Imagine having absolute documented PROOF of their fraud and violations of law. Think that might help your case?

    In most states a lawsuit will stop an impending foreclosure sale. However, the laws differ from state to state, so you’ll need to review the laws in your state. However, every state allows you to file a temporary restraining order, and injunction, which will absolutely stop all foreclosure proceedings until the merits of your lawsuit have been fully litigated, if those motions are granted, and they are usually granted if you have compelling evidence to show that the likelihood of your prevailing in your litigation is high, and in your specific case, that likelihood is very high. This is also where the audit is very important. Litigation is all about the evidence, and the evidence is what makes a case compelling. You have it, you win!

    The rules that govern the trust can be found on the SEC database, but for some reason we have found that the link we have posted on our site helps you find those documents much easier. Just click on this link from our site. “How To Find Your Securitized Loan’s Pooling And Servicing Agreement And Kill Your Foreclosure Case” http://www.thehomeownersrevolt.com/?cat=205
    It will tell you exactly which documents to look for.

    Also, you can click on the following links to get some comprehensive information on our Bloomberg Terminal “CERTIFIED SECURITIZATION AUDITS”. These are the articles listed on our website, “Read About Our New! – Certified Securitization Audit”. Click on link http://www.thehomeownersrevolt.com/?cat=230 and “Why You Need A Certified Mortgage Securitization Audit”. Click on link http://www.thehomeownersrevolt.com/?cat=229 .

    Admin.

  196. Comment by Conniegirl77 — February 9, 2012 @ 1:23 pm

    Hello, a question about the securitization of my mortgage/deed of trust. I bought my home in 2006 through Greenpoint Mortgage, it was subsequently sold to Countrywide and then to Bank of America. When I did a title search at the county recorders office I found that my mortgage was assigned to a “Bear Stearns Asset Backed Security Trust 2006-AC5″ in April 2010. If you could answer my questions it would be awesome because it would help me decide if I should go with the “Securitization Lawsuit” that you offer.

    1.) Because this Bear Stearns Trust was created in 2006 (and my loan was created in 2006) is there any corresponding elements which would decide that my loan would have to go into a trust that signifies the year “2006″? When I went on the “Edgar” data base I found that this particular trust has made no reports since 2008 or 2009, as if it were dormant, yet my loan was put into the trust in 2010.

    2.) Is it possible that the bank put it the Trust illegally as an afterthought? Or is securitizing my mortgage years after the loan was originated legal to do?

    3.) Would the bank’s securitization of my loan in this manner fit in with your “Securitiztion Lawsuit?”

    4.) Would I need a securitization audit to initiate the lawsuit?

    5.) Would it stop an impending sale immediately upon filing a lawsuit?

    6.) And finally, should I be able to find the rules that govern this trust on the SEC database, such as: what is the time frame or the cut-off date if any, that a mortgage can be securitized and put into this particular trust?

    I know I have a lot of questions. Please answer them if you can and I thank you very much. Connie

  197. Comment by revolt — February 8, 2012 @ 2:24 am

    Charlotte,

    We sent you an email letting you know to download our “Notice Of Default Dispute Letter” which will stop all foreclosure actions, and force the lender/servicer to validate that you owe them any debt.

    Admin.

  198. Comment by Charlotte Watson — February 7, 2012 @ 5:05 pm

    I received a letter of “Intent to Accelerate” and want to know if you have a letter of response that I can purchase to respond to Bank of America with.

    You can email me @:

    Thank you for your help.

    Sincerely,
    Charlotte Watson

  199. Comment by CapeCoralDisabledDad — February 4, 2012 @ 7:18 pm

    UPDATE,
    Thank you so much for the Information!My Sale Date is still Feb 13th and I do have an Update. The Court Published the Sale in The Newspaper which they had to do by Law, now I came home and found my Pool Pump, filter and Chlorinator had all be Ripped off! I posted no trespassing Signs and Secured all Gates and Locks, as my neighbor told me there has been “Lookers” I have set in the Clerks office and Painfully Read my foreclosure case Documents Page by Page and all the evidence in my case for last Two Days! I figured out I had to Ask the Senior Judge to “Reconsider” his Decision First, Which I did, Via Fax and Fed Ex. He will have the Original on Monday my 1oth Day “Deadline”. Now this will be denied and I will Fill The Appeal and the Motion to Stay the Sale until the Appeal Date. The Judge must approve the Stay or I Will go to the Higher Court/ Appellant Court and the Clerk their told me the with Stay the Sale if the Lower Court does not approve the Stay. So I now have Some Breathing Room and I have found an Attorney that will help me by Taking if on “The Come” That means his fee will be paid by the Bank after we win in the Appellant Court in Lakeland FL, which will be at least 9 months out! I’ll keep the Board Updated, and any other Homeowners facing the Sale Date, All I have to say is NEVER NEVER NEVER give up the Fight! Thanks Again Admin, You Rock!

  200. Comment by revolt — February 4, 2012 @ 9:28 am

    sgator77,

    From what you describe, it doesn’t sound like the lender is resedning the mortgage satisfaction at all. You signed a document agreeing that the short sale would not satisfy the deficiency. Therefore, it seems that they are now suing you for a deficiency judgment.

    If we understand you correctly, the satisfaction of mortgage is not the issue. It is the deficiency, and those are two separate issues. If you have the satisfaction of mortgage, that document should establish that the actual mortgage amount has been paid and satisfied, but the deficiency is still outstanding. Unfortunately, many homeowners are not aware that they can negotiate with the banks to forgive any deficiency at the time of the short sale, but alas, that ship has sailed.

    As for any statute of limitations, each state has its own state laws. In Florida the statute of limitations on foreclosing on a promissory note is 5 years, and in California it’s 6 years. So, it depends on the state your property is located in.

    Finally, if you feel that you have some legal merit, or that the lender has violated the law, and you have evidence to prove it, you can contact the agency for a foreclosure review. Even if you don’t feel you have merit, it may be a good idea to contact them anyway, as they may discover that the lender has violated laws that you may not be aware of. Good luck!

    Admin.

  201. Comment by sgator77 — February 4, 2012 @ 6:18 am

    I live in Florida and my ex and I agreed to a short sale in 2009. After the short sale I received 2 Mortgage Satisfaction letters from Wells Fargo for both loans (we got sucked into an 80/20 since that was the big push in lending 2006… max out that equity right??).
    A year later I am served with papers stating Wells is suing me for the equity loan. I furnished the satifaction letters and Wells stated the one for the equity was issued in error. I hire an attorney, discovery has been done and now Wells has set a Motion for Summary Judgement. They have a docuement we signed stating that 3k would go to the 2nd loan at closing, but it would not satisfy the deficency and they could come after us for the remainder. My ex filed bankrupcy, so here I am.

    My question is, is there a statue of limitation for the lender to resend a mortgage satisfaction letter?
    Any suggestions?

    Also, I received a letter from that independent foreclosure review company… should I look into that to see if WF violated any laws or my rights in this process?

    Thank you!

  202. Comment by pj — February 2, 2012 @ 8:04 pm

    TO Disabled Dad,

    I am so sorry about your circumstances! One thought would be to contact someone connected to the Occupy our homes movement. I’m not sure how to reach them but at least Google it, or the Occupy movement and see what you get. They have been instrumental in helping get Media coverage and causing the banks to back off in some cases. Get them to camp out at your house, if possible. Just a thought. And it’s worth a try. Point out the fraud.

  203. Comment by revolt — February 1, 2012 @ 2:20 pm

    CapeCoralDisabledDad,

    That so-called senior judge was a rocket-docket judge. These are senior retired judges that were hired specifically to quickly get rid of the backlog of foreclosure cases in the courts. Their sole purpose is to get rid of foreclosure cases, and have routinely ignored the laws to do so.

    If the case was over 5 years old, why did your attorney not move to dismiss the case based on the statute of limitations? Oh well, you are where you are now. You need to download the Florida Rules Of Appellate Procedure from the Internet, so you can educate yourself on what the appellate procedures are, and so you will know what to expect, and how to proceed.

    You do not need to worry about filing any evidence with your notice of appeal. You are simply filing the notice to let the court know the case will be appealed. Once you have filed your notice of appeal, you will have 70 days to file what’s called your Initial Brief. In this brief you will outline the reasons you feel the court erred, or abused its discretion when it either made a mistake, or failed to follow the law in ruling against you.

    You will need to make sure that any evidence, which is not on file with the court is submitted, or transferred to the appellate court. Read your rules of procedure to determine how this is accomplished.

    As far as what to attach to your appeal, any evidence which shows that the judge did not follow the law, or any evidence where the judge admits he failed to follow the law. Your smoking gun is the judges own admission that the bank failed to provide the documents which establish they were the real party in interest, with any rights to foreclosure.

    Admin.

  204. Comment by CapeCoralDisabledDad — February 1, 2012 @ 7:32 am

    No, My attorney did not Pay to have a court reporter at the hearing! She said she will do an Affdvit of the Decision and her findings for me to use in My Appeal. Yes we did file “Motion To Vacate Judgement” in Writing and it was denied. This case has now passed 5 Years and Judge Thompson “Senior Judge” just stated “It had went on Long Enough”
    I am now Broke and am going in to File the Appeal and Morion to Stay the Sale myself, I spoke with a Really nice Appeals Court Clerk, whom actually suggested I fill out the Indigent Forms, and that will save me the 300 Appealant Cort Fee and the 200 Lower Court Fee $500! Wow, she was so Helpful and she told me to come on in and I can sit at the Computer and Look over the Case in Detail. Now I’m at 12 days till SALE Feb 13th. I know it is $1 per page to print, so I just now need to know what Are the Most Compelling Pages to Print to Attach to my Appeal. I will be in the Clerks office all day Tomorrow Feb 2nd “GroundHog Day” Digging into my Case! Any Advice on What Docs I be Zooming in on as Far as Proving Fraud would be greatly Appreciated!Sincerely, CapeCoralDisabledDad

  205. Comment by revolt — January 30, 2012 @ 11:11 am

    Scott,

    You should also consider filing a “Motion To Vacate Judgement”, if you have not already done so. Although your hearing was virtually the same request to do so, your hearing was not in writing, and you may not have any written record that you attempted to properly address the court through a motion to correct the error. You must force these judges to perform their duties and follow the law, by putting them in an obvious position to follow the law, or expose themselves through written documents that they have violated the law. Not sure why your attorney did not do this, but many attorneys are not well versed in the law and procedure, or they just won’t do any more than what you have paid them for, as they do not want to have to get caught up in any lengthly litigation, unless they can continue to get paid.

    If you can afford an appeallate attorney, you should definitely hire one, but get your notice of appeal filed no matter what.

    Admin.

  206. Comment by revolt — January 30, 2012 @ 11:03 am

    Scott,

    These judges are bought and paid for in our opinion. They regularly violate, and ignore the laws, because they have been granted unfettered power, and cannot be prosecuted for their violations of law. Its disgusting!

    Did you have a court reporter at the hearing? In some states it is required, and paid for by the court. In Florida, you have to arrange and pay for your own court reporter to make a transcript of the proceedings. This will be powerful evidence in your appeal if you have the transcript of the judge admitting the bank violations, but refusing to uphold the laws of the state of Florida. A complaint can be filed with the Judicial Qualifications Commission against the judge.

    File your appeal and ask for a stay of the foreclosure proceedings until your appeal is decided. The appellate process usually takes between 6 months to a year and a half.

    Call your court clerk and ask them which appellate court handles appeals from their court. Usually the court where your case was litigated will have a simple “Notice Of Appeal” form that you can fill out and file with that court.

    Make sure you file it in time, as they are counting on your not doing so. This way they can steal your home from you quickly, and you will have missed your opportunity to expose them for the fraud they are attempting to commit against you.

    Admin.

  207. Comment by Scott — January 30, 2012 @ 6:26 am

    Just found this Board and want to Say Thank You Homeowners Revolt for putting this “MUCH NEEDED” Forum together!

    I have 3 kids, I’m disabled and My Home is scheduled for sale/auction on Feb 13th,2012… just 2 weeks from today. My attorney went in front of a Lee County Judge this Past Friday for an Emergency Hearing to Attempt to Set Aside the Judgement and Stop the Sale, well the Judge Agreed that the Documents that the Bank Filed did not Match the Ones on file with the Court/Clerks office, also my Loan was sold 1 day prior to me and my Wife Signing off on the Mortgage. Two Fraudulent activities found, judge agreed “on record” that the Docs were fraudulent, however he told my attorney that this case had went on Too Long and he was going to deny the request and the Sale Remains scheduled for Feb 13th!
    My attorney could not believe it! She is now advising me to hire a Appeals attorney and the Judge only gave me 10 days to file an Appeal! I thought it was 30 days in Florida? Is this 10 days even Legal? Did he just do this to allow the Feb 13th Sale to go forward? I am at a Loss as to how a Judge can admit, on Record Fraudulent Documents and yet still let the Sale go on?

    Please help me and my Family, what can I do in just two weeks to save my Home? Original Mortgage was Aames out of California, now Deutsche Bank is the one Foreclosing on me. Help needed in LEE County Florida.

    Is there any documents on your Site that will help me within this 2 Weeks to Stop the Sale?

  208. Comment by revolt — January 22, 2012 @ 1:46 pm

    Kerry,

    You don’t know whether or not you have a case until you do some due diligence to see if your loan was securitized, or sold to another lender. 95% of all loans originated between 2000 and 2009 were securitized. Securitization is a process where the lender sells your loan to an investment trust, together with 100’s of other loans which are pooled together to create mortgage backed securities.

    During this process the Wall Street Barons did not keep up with the promissory notes, as these securities were sold to investors all over the world. When the alleged lender cannot produce the promissory note, or prove who presently owns or hold the promissory note, they cannot establish that they have any legal rights upon which to foreclose on your property.

    You need to do some prelimiary investigation to see if your loan was sold or securitized. If you find that it was, then you can begin to implement our “90 Day Take Back Program”. Additionally, our program will assist you in discovering who may own your mortgage, as we take you through a series of procedures that are governed by Federal law, upon which the lender must provide you with information regarding who owns your mortgage.

    If your loan was securitized, we show you how to look up the investment trust in order to determine if your promissory note was properly assigned to the trust.

    In many cases the assignment of your promissory note was fraudulent, didn’t take place at all, or it was forged by what is called Robo-Signers. These are individuals who forged and fabricated false documents in order that the banks could fraudulently foreclose on millions of unsuspected homeowner’s homes.

    Before you give them your home, make sure they actually still own your mortgage. You must investigate to see if you have a fighting chance. 95% of homeowners in foreclosure never even challenge the bank to see if they actually own the mortgage. IF your loan servicer has changed since you first originated your loan, it is very likely that your loan was sold, or securitized. Make sure they are the true owner of your mortgage before you let them take your home away.

    Admin.

  209. Comment by Karrey — January 20, 2012 @ 4:02 pm

    Hi,
    We live in San Ramon ca. As many other homeowners we have been denied loan mode. We have a world Savings/Wachovia/wellsfargo pick a payment loan. It continues to re-amortize each year. We bought house 6 years ago, put$120K paid $650k owe $500k market value $350K we bought this place believing we would retire here. Due to income loss, medical issues we can’t continue paying mortgage. We are thinking of short sale or foreclosure, to take advantage of tax debt forgiveness that ends Dec 31, 2012. I don’t think we have a case with what your company is offering or the time frame to get it done. If your company can explain something I missed in reading from your website that would allows us to have our house free and clear please tell me.
    Thank you
    Karrey
    925-735-3525

  210. Comment by revolt — January 19, 2012 @ 11:57 pm

    JGS,

    Usually, the tolling of the statute of limitations is tolled as long as you have pursued another legal, or administrative remedy related to your case. As for fraud, “Acts of fraud taint/void everything it touches as the US Supreme Court has declared: “There is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments.” (United States v. Throckmorton, 98 U.S. 61).

    In essence, in most scenarios, there is no statute of limitations on fraud, and or the time does not begin to run until the time that the fraud was discovered.

    It would definitely be advisable to acquire a CERTIFIED SECURITIZATION AUDIT, which you can order through us. Our competitors charge as much as $1,500.00 for their audits. Our cost is $995.00.

    Admin.

  211. Comment by JGS — January 19, 2012 @ 12:25 pm

    Thanks for your January 13th response. I agree with what you said about MERS/assignments and did argue this particular point in my state court case. Given “true sale” requirements and NY trust law, I can’t see how a judge can simply ignore such factors when “MERS” (which consisted of straw-officers/robo-signers employed by Chase Bank and LPS) admitted the mortgage was securitized and yet no assignments were made outside of MERS as nominal mortgagee. In any event, this will be taken up in my appeal.

    As for the fraud elements and its related causes of action, based on what you’ve said about your lawsuit package I’m not too concerned about dismissal of new litigation I’d be filing – at least in terms of res judicata and/or collateral estoppel. However, I don’t know how any statutes of limitations might apply. In MN, fraud litigation has a 6-year window, although I’ve heard from various sources that there isn’t a particular time-limit on fraud causes of action. And even if a 6-year limit applies, I’m wondering when this starts and/or if it can be tolled. I imagine that many people considering litigation would need to address this issue – so if there’s anything on your site about this or have comments you’d like to share please pass the information along.

    Also, because securitization involves Federal laws, it seems logical that the causes of action in your lawsuit package could be litigated in US District Court. For a number of reasons, I’d prefer to do it there. My sense is that with an appeal of the state ruling on the foreclosure itself and a new Federal lawsuit, the other side would seriously consider a settlement of some kind. It did once before – only the amount at the time was not high enough to waive all future action I might want to take.

    Lastly, would I need a particular kind of securitization audit and – if so – is this something your organization does or can refer someone to?

    Thanks again and look forward to anything further information you may provide.

  212. Comment by Steve in Tennessee — January 19, 2012 @ 7:19 am

    forclosed on Fred,
    Attorneys didn’t take your origial note from the courthouse. If you are being forclosed on by a trust, the trust claims to hold your note and deed. But, that might not even be true considering the notes were sold and the deed was kept to foreclose on. The note must stay with the deed for the instrument to be valid, if not it is a nulity. And, if you request to see the original note they are obligated by law to make presentment. Presentment is made under two conditions: 1. To pay it off 2. Dishonor of the note. This is what the law says, whether they honor what the law says is another thing.

  213. Comment by foreclosedonfred — January 18, 2012 @ 12:25 pm

    Hi Revolt- thank you for answering. that is what I will do. I want it because it is mine, and I do not want it circulating on the market so that others can continue to money off of it.

  214. Comment by revolt — January 18, 2012 @ 11:44 am

    Allison,

    We are a bit confused by your post. You stated that your mortgage was sold, indicating that you are a homeowner. Then you stated you know you “don’t own the home or have a right to it”. Are you a tenent or a homeowner?

    Admin.

  215. Comment by revolt — January 18, 2012 @ 11:22 am

    foreclosedonfred,

    If the foreclosure has already been completed, then you would need to file a civil lawsuit against the lender for conducting a fraudulent foreclosure on your property, if you feel you have the legal merit to support it.

    Once you file your lawsuit, you will then have the right to request the note through the discovery phase of the litigation. This is one way in which you can attempt to force the alleged lender to produce the note again. However, what is your reason for wanting it back? What do you hope to accomplish by getting it back?

    Admin.

  216. Comment by revolt — January 18, 2012 @ 11:10 am

    Daniel,

    First of all, no attorney can predict, or will predict any specific outcome to any case, because there are too many variables that might affect the outcome of a case, such as the evidence produced, the state law in a particular state, the judge presiding over the case, ect. These variables make it impossible to predict the outcome of a case with absolute certainty.

    However, there are some predictors of possible outcomes, which come from case law, and court opinions, or legal precedence which have already been established. The reference we made to the 5 years of litigation, was made from Florida law, as Florida has a 5 year statute of limitations on the lender’s ability to foreclose on a promissory note after 5 years.

    Each case, and each state may be subject to different laws and outcomes. The 5 year example could apply to any type of litigation, and is not necessarily specific to a Quiet Title Action.

    The attorneys we make referrals to are qualified and knowledgeable attorneys in the field of foreclosure defense, but as with all legal matters, the law firm themselves are responsible for handling your case, and we cannot guarantee your litigation results, as no licensed attorney can, or will. We make the referrals in an attempt to assist you, and giude you in the right direction. The actual results will depend on the law firm itself.

    Admin.

  217. Comment by Allison — January 18, 2012 @ 7:39 am

    I received my Auction notice but the lawyers are representing Countrywide in the foreclosure/auction process. My mortgage was sold to BOA a few years after countrywide and I was paying BOA at the time of foreclosure. Why is Countrywide the one hiring legal and doing the auction? Is Countrywide and BOA the same entity? How long after the auction will I have to vacate the home. I know I don’t own the home or have a right to it but I’m really trying to stay here until I can move my family at the end of May.

    thanks

  218. Comment by foreclosedonfred — January 17, 2012 @ 11:05 pm

    My house was foreclosed on and the attorneys took the alleged “original note” from the courthouse. What can I do to get back my note?

  219. Comment by Steve in Tennessee — January 17, 2012 @ 12:20 pm

    Tina, The banks are nothing but legalized crooks. If we commited the fraud they did with the goverments blessing, we would be in prison. The judges are just referee’s for the bank. They don’t know the law and neither do attorneys. That is why they are called attorneys at law instead of attorneys in the law. They just practice colors of the law. You need to study Georgia’s rules of civil procedure and realestate laws. Tennessee is a non-judical states and realestate law in Tennessee says there must be a promisory note and a deed of trust and mentions nothing about copies. Do some homework and make the system stand by its own rules. Most people just don’t take the time to study and learn. The 90day takeback has a little bit of a learning curve,but it is worth it. The banks or the courts don’t want you to know the laws and to keep us slaves to the system. Keep up the good fight. And,by the way I have completed this process.

  220. Comment by revolt — January 15, 2012 @ 9:48 am

    Tina,

    As Georgia is a Non-Judicial State, meaning the lender is not required to go to court in order to conduct a trustee sale of your property, you have basically 2 options left, as you have already exhausted your 3rd option, which was filing the BK.

    The “90 Day Take Back Program” was initially designed to implement prior to entering into the foreclosure process, so that you would have enough time to implement and complete it. However, you can still implement it, as it will assist you in gathering evidence against the bank, and also delay the foreclosure process by forcing them to comply with required Federal laws.

    However, since it seems that you may have started a bit late, if you don’t end up having enough time to complete the “90 Day Take Back Program”, you final option is to file a civil lawsuit against the lender for fraudulent foreclosure, or predatory lending. If litigated properly, it could take up to 5 years before the litigation is resolved. Obviously, this buys you time.

    With the “90 Day Take Back Program” we take you through a series of procedures, which show you how to gather the evidence you will need against the lender to either force them to the negotiating table, or back off altogether, as once you have gathered incriminating evidence against them, they will not want to air their dirty laundry in a court of law.

    As for the correct documents for Georgia, the 90 Day Take Back Program” contains all of the documents you will need in order to complete the process, and the Administrative Process is applicable in all 50 states.

    Just go to the website’s “Document Download ” page, and download the 90 Day Take Back Program” and you’ll receive everything you need.

    Admin.

  221. Comment by Tina — January 14, 2012 @ 3:39 pm

    Thank you for responding! I did read the Take Back Program Part 1 & 2 and want to get started.Also, I did go through the BK court and the judge, like a lot of court officials are absolutely oblivious to the Promissory Note And Deed, and that the bank needs ORIGINAL documents to prove they are the true party in interest. The judge accepted the foreclosure attorney’s COPIES of both, and threw me out of there! He was very rude and argumentative and felt the COPY of the Deed I have to say being in Georgia makes it more complicated and people in the courts offer me NO assistance in where to file documents to fight the foreclosure attorneys!

    I had someone who I thought I could trust, file a QWR and I do have it recorded in the court with my Security Deed, but it did little to STOP my lender from attempting to foreclose. They sent the SAME Copies of the Deed and Adjustable Rate Note, and Copies of my Mortgage Payment History that looked something typed from Microsoft Word to me.Along with those documents their response was that they still are further investigating my request, but if I have any questions of fraud, call them directly!! Yeah Right!

    Despite all this,I would like to try one last time, but Im very weary because this has been so difficult because I have been misled by many people! I would like to try your program, can you tell me specifically what documents I need to purchase on your website being that Im in Georgia? I do want to make the lender prove they have ownership interest and have rights to foreclose on my property, but I need to purchase the “correct” documents to use in Georgia. Any advice would be greatly appreciated! Thank you so much

  222. Comment by revolt — January 13, 2012 @ 9:37 am

    JGS,

    Yes, the Securitization Lawsuit can be used as long as you have not litigated the same issues, or causes of actions in the previous lawsuit. Under the law there are two legal doctrines called Res Judicata and Collateral Estoppel. They are very similar to the double jeopardy theory in criminal law, in that you cannot be charged twice for the same crime.

    However, with Res Judicata and Collateral Estoppel, you cannot litigate the same issues or causes of actions, which have already been fully ajudicated in a court of law.

    As most foreclosure cases deal with some form of predatory lending in the loan origination process, the issues surrounding securitization fraud deal with the illegal conversion of your promissory note into a mortgage backed security. This is a separate and distinct issue, which is different from the predatory lending issues in the loan origination process. Therefore, the doctrines of Res Judicata and Collateral Estoppel would not prohibit you from filing a second lawsuit containing new legal arguments, with new issues and causes of actions.

    As for the courts ruling on the MERS issue, we would respectfully disagree with the court decision. First, if all parties agreed that the loan had been securitized, there would have needed to be an assignment of trust deed issued to the securitized trust entity. In that case scenario, once the note is assigned to the securitized trust, that trust entity authorizes its own trustee to administer the trust. Therefore, once the assignment was issued, MERS no longer retained any beneficiary or nominee status, or authority to conduct a trustee sale, as a new trustee had been assigned by the securitized trust.

    Unfortunately, many of the judges presiding over these cases are fairly ignorant regarding the structure and law which governs the securitized trust, and take the attitude that if you have failed to pay your mortgage, your guilty. We disagree. Why is it that the homeowner has to obey all of the laws to the letter, but the lender is not held to the same standard. Sounds like you had a lazy uninformed judge, who didn’t want to be bothered with taking the time to review the laws. Also, if the case was not litigated properly, this can also cause a homeowner to receive an unfavorable ruling.

    As for state court or Federal court, this can be subjective as to which is the best forum. It is our opinion that Federal Court judges seem to be more knowledgeable than most state court judges. However, there have also been Federal Court cases which have capped damages in many cases, regarding awards which were given. Your options should be carefully weighed based on the specific merits of your case. Please share any other insights you may have regarding your thoughts on which forum may be best, and for what reasons.

    Admin.

  223. Comment by revolt — January 13, 2012 @ 9:15 am

    jonreal,

    Thank you for sharing the law office information. We will investigate them to see what type of services they actual provide, and if they are effective.

    The Predatory Lending Lawsuit can help you with your eviction, as once the lawsuit is filed, it includes a provision for a temporary restraining order, and temporary injunction to be issued. If the court grants your request for the temporary restraining order, and temporary injunction, all foreclosure activities shall be frozen, and stopped until the merits of the litigation can be decided.

    Admin.

  224. Comment by revolt — January 13, 2012 @ 9:06 am

    Tina,

    The best way to get the lender to negotiate with you is to create some leverage for yourself. In other words, you need to give the lender a compelling reason to negotiate with you, as they will make more money on your property by foreclosing. Since they have no motivation to negotiate with you, you must give them a reason.

    The usual reasons are that you have compiled damaging evidence against your lender, which would likely make them liable to a lawsuit. Evidence that your lender does not truly own your mortgage, and that they are attempting to fraudulently foreclose on your property would give you the leverage you need in order to bring them to the negotiating table.

    In our “90 Day Take Back Program”, we take you through a series of procedures, which show you how to gather the evidence needed in order to force your lender to the negotiating table.

    As for your BK filing, you can force the bank to prove that they own your mortgage in the BK court. If they cannot produce the documents which establish they are the present owner of your mortgage, or in legal terms, the real party in interest, they have no legal rights to foreclosure. Most BK attorneys will not tell you this, or lack the legal knowledge and experience to pursue your full legal rights, as they are usually just trying to make a quick buck, and then move onto the the next quick buck.

    If you feel that you have the tenacity it takes to fight for your home, we have some of the MOST POWERFUL foreclosure fighting documents on the Internet, to help you fight your mortgage WAR and WIN!

    Read the “90 Day Take Back Program” parts 1 & 2 from our website for a comprehensive overview of this administrative foreclosure defense strategy.

    Admin.

  225. Comment by Tina — January 13, 2012 @ 8:47 am

    Hello,

    I have an important question: Is there any way that I can negotiate with my lender to get a reduction of the Prinipal? I can NO longer afford my home in my current contract however is there any way to get a Principal Reduction? My house is worth less than half of the contract!! I have filed BK but to me this method and Modification only delays the inevtiable: Foreclosure! I have spoke to countless attorneys but unfortunately the majority are overpriced and want NOTHING but money! Also it doesnt help that I live in GA, which is non-judicial! Is there any advice you can give me in saving my property, recommend a good attorney, and any possibilities to Reducing my Principal!? EVERYONE has foreclosed in my community and ALL the homes have re-sold for pennies!! Also in your program do you have any documents that may be able to help me although Im in GA???

    Thank you for your help, I really appreciate it!!!

  226. Comment by jonreal — January 12, 2012 @ 9:56 am

    Thanks for your prompt response. It’s Ayayo Law Office located in Orange County. They charged me $1100.00 and said they have sent out my refund check. The Trustee Verification service or sometimes called the Trustee Delay service is something in which they send over a document to the foreclosing trustee asking them to verify a host of issues giving them the legal authority to foreclose or else risk a lawsuit from the homeowner. In my case, the trustee attorney didn’t respond. There are a lot of non-attorney groups that offer this service, but you only pay after they stop your sale.
    Will either of your predatory or securitization lawsuits help me with eviction protection? They have already started the action. I wish to purchase either one now if it can help in my case. Can I speak with someone from your group?

  227. Comment by revolt — January 12, 2012 @ 7:46 am

    jonreal,

    You don’t need a law firm to verify who the authorized trustee is. You merely need to review your trust deed, and check with the county recorder’s office to make the verification.

    What is the name of the company you used, and how much did they charge for their services? We’d like to check them out to see what type of services they are attempting to provide. Obviously, their service was not very effective in your case. We’re sorry to hear about that.

    Admin.

  228. Comment by revolt — January 12, 2012 @ 7:39 am

    jonreal,

    You can sue a lender for wrongful foreclosure and get your property back, and/or statutory damages. You could download our Predatory Lending/Quiet Title Action lawsuit, or our Securitization Fraud Lawsuit, depending on the merits of your case.

    Admin.

  229. Comment by JGS — January 11, 2012 @ 8:19 pm

    I’m interested in the securitization lawsuit but have a few questions about its applicability. First, can it be used after a state court has already ruled on a foreclosure? In my case, this was a non-judicial action that I put into judicial mode. Judge decided, though – even with the other side (MERS) acknowledging securitization through the discovery phase – that the only relevant variable is that MERS remained nominal mortgagee. And per local law, it was supposedly irrelevant if anything else was properly handled or not.

    Second, if there’s even a chance a fraud suit could work, would this be something best done at State or Federal level? State rules say that an existing ruling can be re-opened with new evidence regarding fraud – but I personally think a Federal suit would be more appropriate (for various reasons I won’t elaborate upon at the moment).

  230. Comment by jonreal — January 11, 2012 @ 11:02 am

    In addition, I paid a law firm for that Trustee Verification service that’s real popular here in California,but the foreclosing attorney merely ignored it and foreclosed anyway. The law firm is refunding my payment.

  231. Comment by jonreal — January 11, 2012 @ 10:57 am

    Hello, I hope I didn’t just find your site a day too late. I live in California and my property was sold yesterday, January 10, 2012. I filed a wrongful foreclosure lawsuit in superior court about a week ago and served my lender and their attorney. The judge just signed my notice of pendacy order on the day of the sale, The property went to my bank and not a third party. Can any of your programs help me? Thanks!!!

  232. Comment by revolt — January 10, 2012 @ 8:26 am

    Lucy,

    We will give you a call today.

    Admin.

  233. Comment by Lucy — January 8, 2012 @ 5:20 pm

    I just found your website and i am truly hoping this is for real. I need to ask if there is a way to talk over the phone. I would feel so much better if i am able to talk to someone before I go ahead and purchase your package. Thanks a bunch!

  234. Comment by revolt — January 6, 2012 @ 10:18 am

    Its on the way. Stay tuned!

    Admin.

  235. Comment by revolt — January 6, 2012 @ 10:17 am

    Yes.

    Admin.

  236. Comment by revolt — January 6, 2012 @ 10:16 am

    Henry,

    Sometimes we get a little overwhelmed with the amount of comments and postings, and it takes us time to get to all of them. Thank you for your patience.

    Yes, our “90 Day Take Back Program” is applicable to all 50 states, which includes the beautiful state of Hawaii.

    Admin.

  237. Comment by revolt — January 6, 2012 @ 10:13 am

    LDS,

    Congratulations! Your story is inspiring, and we hope that it will inspire other homeowners to fight for their rights, and save their homes from these fraudulent, corrupt, greedy Wall Street Barons, and Banksters.

    Admin.

  238. Comment by LDS — January 6, 2012 @ 7:17 am

    Admin,

    Great to speak with you yesterday. Thank you for guiding us in these matters. I started early as I had to take the online test (certificate required) prior to filing BK. So we were prepared with all the legal documents to file BK 13 which we learned is the method used to strip the lien of the second on our property. Because of our conversation we became aware of the Demand Letter to Stop the Sale, which we used instead of filing the BK with success. It gave us the confidence to stand up to the attorney who has the ” power” to forclose. As you know, we completed the administrative process (similar to your “90 Day Take Back Program”) last year. The deed is in my name and the county records now only show the second lien as owed against the property. WOW! Not even my husband believed it could really be true. He read over those documents several times yesterday and finally late last night told me he has gone from 1% to 99% sure the first is gone. I am stiil disputing the alleged debt, but I get the fact that the fraud happened at original closing when MERS split the note & Deed and then securitized the servicing rights to the note over and over again. Next step is to file Preditory Lending/Quiet Title action aganist the lender of the first (still in discovery on this matter with the first. The attorney representing the beneficiary of the second has ONCE AGAIN postponed the forclosure sale scheduled for 10 am today. We have been negotiating the terms of a settlement for almost 2 years?!!! This whole process continues to amaze me. Your website has become becon of light helping me in the fight to save my home from fraudclosure. We live to fight another day!

  239. Comment by Doulos — January 5, 2012 @ 11:18 pm

    Does your 90 Day Free and Clear program work in the state of Hawaii?

    Thank you

  240. Comment by revolt — January 4, 2012 @ 11:25 pm

    LDS,

    It clouds the title. It does not automatically stop a trustee sale. Download the “Stop Trustee Sale Demand” Letter. Also. your other options are to file our Predatory Lending/Quiet Title Action Lawsuit, or file for Bankruptcy to automatically stop all foreclosure procedures.

    Admin.

  241. Comment by LDS — January 4, 2012 @ 6:22 pm

    Admin,

    Will the Fraudlent Transfer document merely cloud the title or stay the sale? Trustee sale on the 6th.
    Thank you.

  242. Comment by LDS — January 4, 2012 @ 5:35 pm

    Admin,
    I am looking for the
    Houdini Debt Relief Program.
    Thank you.
    LDS

  243. Comment by revolt — January 4, 2012 @ 5:29 pm

    LDS,

    Just go to our website to download the document. Simple as that. If you need further directions as to which documents you will need, please let us know.

    Admin.

  244. Comment by Jay — January 4, 2012 @ 3:24 pm

    Hi,

    Thank you for very useful information and wonderful site. I am fighting forclouser on my home in orlando florida and thinking of ordering your 90 day package. Also Would like to get information on how to get loan audits done on my home. Could you also recommend me a DECENT attorney who know how to file quite tile action against bank of america as my goal is to strip the mortgage from my title. I would appreciate if you can get back to me on my email as soon as possible. My email is vijaykakkar09@hotmail.com. Thanks a lot for for everything.

    Best Regards

  245. Comment by LDS — January 4, 2012 @ 12:07 pm

    Matt,

    HAPPY NEW YEAR!
    Thank you again for all of your FREE legal guidance & for taking the time
    to read and then respond to my questions relating to taking back ownership
    of my private property. Today I need to purchase “Notice of Fraudlent Transfer” documents from you to be filed in CA. Please advise on next steps. Thanks a million!
    LDS

  246. Comment by revolt — January 2, 2012 @ 1:53 pm

    Travis,

    You do not need a PayPal account to order documents. You can use any credit card to order documents. PayPal gives you the option to use your PayPal account, or if you don’t have one, it allows you to use the credit card of your choice.

    Admin.

  247. Comment by Travis — January 1, 2012 @ 7:13 pm

    Is paypal the only way i can purchase any of the information

  248. Comment by revolt — December 27, 2011 @ 12:34 pm

    Dear Kim,

    Please send a contact number to our support@thehomeownersrevolt.com email address, and we will give you a call at our earliest convenience.

    Admin.

  249. Comment by Kim — December 27, 2011 @ 11:13 am

    I need to speak to someone before I order anything… I can not find a number to talk to a live person… help!

  250. Comment by revolt — December 16, 2011 @ 9:56 am

    Alcelmo,

    Please always direct your 90 day program questions to your dedicated email consultant, as the proprietary information is not to be discussed here on the public forum. Thanks.

    Admin.

  251. Comment by Ancelmo Ramos — December 16, 2011 @ 8:27 am

    I bought your 90 day program, but your forms talk about one loan only. I have a first mortgage and a second mortgage from the original lender and with their respective loan numbers. The servicer is servicing both loans, but they have issued two different loan numbers one for the first mortgage and one for the second mortgage. When I write to them, do I write all four loan numbers because they all refer to the same property. Or should I leave the second mortgage out, and if I do, what can they do later?

  252. Comment by revolt — December 15, 2011 @ 12:06 pm

    Daniel,

    If you receive information regarding the recent holder of your note through a QWR, you may be able to pre-determine as you phrase it, whether or not your loan has been securitized. Or, if your loan server has changed from the time of your mortgage origination, that would also be an indication that your loan had been sold, and most likely securitized.

    However, if I hired you to climb Mt. Everest to find a diamond ring I had lost, and you had to incur some expenses for equipment, and pay some guides to go along with you, and then spend the time and energy to actually climb the mountain, and after you climbed the mountain and could not find my ring, would it not be fair for me to pay you for your time, energy and expenses?

    Similarly, if we perform a Certified Securitization Audit for you, and discover your loan was not securitized, yes you will still need to pay for the time, energy, and information provided, as even if your loan was not securitized, that would be valuable information you need to know, in order to fully prepared to fight your mortgage war. Thus, we would have provided you with information you did not have before.

    A securitization audit contains critical information, which could end up being your WEAPON OF MASS DESTRUCTION for the bank. The average home is usually worth at least $200K. It would seem that $995.00 is a very small investment to save a home valued at $200K. If you are not willing to invest $995.00 for the possibility of saving a home valued at $200K, then perhaps it might be best to just let the bank take it.

    We have seen prices quoted as high as $1,500.00 for a securitized audit, and those don’t contain the specialized Bloomberg Terminal Access that ours do. In the final analysis, the choice is yours. As they say, we can lead you to the water, but we can’t make you drink.

    We will send you some introductory information on our CERTIFIED SECURITIZATION AUDIT.

    Admin.

  253. Comment by revolt — December 15, 2011 @ 8:22 am

    Ancelmo,

    Yes you can, and more importantly, you can now research that lender to determine if they are the true holder f your promissory note. If they are a Securized Trust, you can look up the trust information to determine if they actually have any legal standing to pursue foreclosure.

    Admin.

  254. Comment by Ancelmo Ramos — December 14, 2011 @ 5:27 pm

    I already have a lawsuit in motion. I sent a letter to BofA asking them to provide a true copy of the note. They sent me a letter stating who the owners were. TThey did not answer the questions. Can I use that letter in the lawsuit.

  255. Comment by Daniel — December 14, 2011 @ 11:25 am

    Hello,

    On the subject of Securitization Audit… is there any means by which to pre-determine whether a mortagage has been securitized?… In other words… if my mortgage has not been securitized.. if determined through you audit.. do I still have to incur the cost of a Securitization Audit?

    Thank you!

    Daniel

  256. Comment by revolt — December 14, 2011 @ 9:33 am

    LDS,

    The information you’ve provided is a bit confusing regarding your appellate dismissal. Dismissal means that your case was not allowed to go forward in litigation, and you also don’t indicate whether it was dismissed with, or without prejudice. With prejudice means that you cannot refile that lawsuit. Without prejudice mean that you can refile that lawsuit.

    As for your ability to appeal, you usually have 20-30 days to appeal a lower court decision, depending on the state, but it seems that you have already done this. The next available appellate procedure would be to appeal to the supreme court, which the supreme court is not actually obligated to take your case. Therefore, in that scenario, it is more advisable to file a new lawsuit, with new causes of actions, as you cannot file the same lawsuit upon which the issues were previously litigated and adjudged. Look up Res Judicata and Collateral Estoppel. These are legal terms which outline the legal concept that you cannot re-litigate issues that have already been litigated and adjudged.

    Then you speak of a default judgment, which was awarded to you. Do you mean that the default judgment was vacated, or also dismissed? We will need some clarity here, but in essence, if you feel that your case involves more issues regarding predatory lending, then you can download our Predatory Lending lawsuit. If you feel you have the evidence to support the Securities Fraud Lawsuit, then you can download that document.

    Because you are privy to the evidence that you have, you are in the best position to decide which document will best suit you. You can file either one. You just need to look at your evidence, and determine which lawsuit gives you the best chance at prevailing in your case, and that is usually the one which you have the most evidence to support your arguments.

    Admin.

  257. Comment by revolt — December 14, 2011 @ 8:30 am

    Okay, we got it.

    Admin.

  258. Comment by revolt — December 14, 2011 @ 8:28 am

    Holly,

    Download our “Notice Of Default Dispute” Letter, and send it to the lawfirm. This letter contains all of the legal authorities, which require them to produce all requested documents before they can proceed with any foreclosure actions. This also buys you time, and forces them to scramble to comply with your legal demand. Make sure you serve all documents return receipt certified mail, and keep that proof of service in your files.

    Then download the “90 Day Take Back Program” where this time you will have the benefit of a dedicated email consultant to answer any and all questions you may have, and walk you through the process step-by-step, until you have successfully completed your reconveyance.

    Please indicate which state your property is located in.

    Admin.

  259. Comment by revolt — December 14, 2011 @ 8:18 am

    Kenneth,

    We recommend you download our Notice Of Default Dispute Letter, as it has all of the appropriate legal authorities contained, which by law will require the lender/servicer to stop all foreclosure proceeedings until they have complied with your validation request.

    We also recommend that you serve them with our Notice Of Rescission document. Since they are not responding to your request, this can be used as an advantage against them, as the Notice Of Rescission, which is governed by Federal Law requires them to return all of your down payment, monthly payments, and closing cost paid withn 20 days of receipt of this document, or automatically waive any and all security interest in your property. That means if they fail to comply, they will no longer own your mortgage, if they actually do at all.

    After that, you have the options of filing a Quiet Title Action Lawsuit against them to clear the title, and/or our Securities Fraud Lawsuit against them to stop all foreclosure actions, and to go after them for 3X the amount of the loan balance in statutory damages.

    Admin.

  260. Comment by revolt — December 14, 2011 @ 8:07 am

    Partricie,

    Yes, our Securities Fraud Lawsuit will work for the state of PA.

    Admin.

  261. Comment by revolt — December 14, 2011 @ 8:04 am

    Henry,

    We have a 100% success rate to date, and the usual time it takes to complete the process is 90 days.

    Admin

  262. Comment by LDS — December 12, 2011 @ 6:44 pm

    Dear Admin:
    You suggested I file the ‘”Securities Fraud Lawsuit” documents and I want to make 100% sure I am purchasing the correct documents for this situation going forward. I have been unable to secure MERS # on this property, but MERS was listed on my documents. And because my complaint includes wrongful foreclosure, predatory lending, and trespassing issues would these items be stated as actions to be addressed in the new lawsuit? Or is filing the SFL documents sufficient? You have said I could join the case on appeal with the SFL filing, but I am unclear as to which option is better.
    On June 14, 2011 in the United States District in Nevada the Judge filed an ORDER on MANDATE to dismiss the appeal in my foreclosure case against the bank. I have found the documents for the case on PACER and am concerned there might be a time issue or statute that would prevent me from filing a new lawsuit? Just to remind you I am not represented by counsel at this time, living in CA and property is in NV. All the causes of action were dismissed including a default judgment which was awarded to me in March 2010 by the Second District Court in Reno, NV.
    I have looked at your FIGHT BACK PAC & Predatory Lending/Quiet Title and Fraudulent Foreclosure Notice packages also wondering if any of these fit my situation. Unfortunately I never sent an official QWR to my servicer because at the time I didn’t understand the proper steps to follow in these matters. If it were possible I would be happy to file the “90 Day Take Back Program” as I have completed this process with another property with great success.
    I don’t want to give up any rights I may have on appeal but I understand time is of the essence and I am prepared to file a lawsuit before the end of 2011. Thank you again for your guidance. LDS

  263. Comment by Holly — December 12, 2011 @ 4:28 pm

    I’m in NC

  264. Comment by Holly — December 12, 2011 @ 9:04 am

    OK, Unfortunately, I went through the administrative process with a different company, which I am not feeling too confident about. My loan has been securitized and BofA is the servicer. I have just received a letter from a law firm saying that they will be starting foreclosure proceedings and I have 30 days to dispute the debt. BofA has not been able to produce any documents so far. What do I need to send to these lawyers? I would be willing to start over with your 90 day program if that is what I need to do. I don’t want to give them too many chances to come up with some fraudulent documents, but maybe your program can help me fill in some “holes” where I need to. Your advice would be greatly appreciated.

  265. Comment by Kenneth — December 12, 2011 @ 12:42 am

    I’m a little over two weeks left of going to 3 months from the date of NOD. What is best or powerful package I could use to stop sending notice of trustee sale which could come in the next 2-4 weeks. Before I sent my pretender lender by myself 2 letters requesting their proof of claim of ownership of the promissory note. They haven’t responded except the xerox copies of the closing from my first lender. I also sent a letter disputing the debt two weeks after I received the NOD. It is 100% that my loan has been securitized. The first two banks who held my loan has been paid in full,then Bank of America acquired it, who then securitizes into Bank of NY Mellon who is an investor of my loan, and B of A is the servicer whom they admitted on the letter. Pls advice,thank you!!!

  266. Comment by Patricie — December 10, 2011 @ 7:47 am

    Hi there!

    I am a victim of securities fraud. I have done all of my research and highlighted the psa violations, assignment fraud, notary fraud etc. I am looking to download the securities lawsuit package. Will this package work for the state of PA?

  267. Comment by Henry` — December 8, 2011 @ 8:25 pm

    How many people who purchased the program have done the process successfully and what is the average timeframe that it took to complete
    the process to where the mortgage lien was released by the bank to the homeowner.

    Thanks.

  268. Comment by malonitis — December 7, 2011 @ 11:19 pm

    hello

    just registered
    I am in maryland and specifically in Harford County
    need alot of help I have a loan which was sold several times and now bank of america is the servicer
    early last month they recorded an assignment of deed of trust using mers as the entity to assign the deed of trust to the latest investor who they now say is the the bank of new york mellon
    when i did the search on mers the first result was J-P Morgan Chase
    for some reason as i was reading the sentence it just disappearred I did the search a couple of times and then the investor is The bank of new york mellon
    I now know that my loan was one that I had no chance of ever paying back and just realized that i am definetely a victim of predatory lending, Loan is an arm and based on a stated income i never gave to the loan officer during the loan application process he filled in the blanks and I think used the automated system to approve it, Oct of 2005
    I need to know if you could help me in maryland and if you have any forms I could use to file with the local court or to formally request they produce the original note

    LOOKING FORWARD TO YOUR RESPONSE
    AND THANK YOU IN ADVANCE

  269. Comment by revolt — December 7, 2011 @ 12:20 pm

    Gary,

    We are very appreciative that you have taken the time to empowered yourself with the knowledge you will need in order to fight your mortgage WAR and WIN! You are uniquely positioned to take advantage of the “90 Day Take Back Program”, as it seems apparent that since you lender has failed to move forward with any foreclosure proceedings from 2009, that they very well may have problems producing the required documents that would prove that they have any right to foreclose on your property.

    By moving swiftly to implement the “90 Day Take Back Program”, you put yourself in a position to reconvey your property title back into your name, before the bank can attempt to fraudulently produce any forged documents to challenge your reconveyance.

    The “90 Day Take Back Program” is an administrative process, which means that you are not required to go to court to implement the process, whereas the “Fight Back Pak” contains documents that are designed to be filed in court, by filing a civil complaint against the bank. This would be termed a judicial process, meaning it requires court appearances.

    The “90 Day Take Back Program” is the appropriate program for you. Just click on the download documents link on the upper left hand side of the website, and it will take you to a list of all documents, and packages available. Find the document you want, and download it instantly! It will instantly be delivered to the email address you used to order your documents.

    We look forward to your becoming a member of the Homeowners Revolt family!

    Admin.

  270. Comment by Gary D — December 6, 2011 @ 10:42 am

    Hello, finally I have read the “90 Day Take Back Program” info on this site, and we are enthused (and outraged) and ready to get going with the program. I live in CA, B of A is the owner of the mortgage. We stopped paying on our loan in August 2009, and we have not been foreclosed on yet, so it seems like it’s not too late to do this. My question is, simply, is the “The Fight Back Pak” sufficient for us to reclaim possession of the title to our home, or will we need to sign up for The “90 Day Take Back Program”? Obviously I would love to save the extra cost, but we want to make sure we do this right also. Can you let me know which program we need and what the difference is between them, thank you. Gary

  271. Comment by revolt — December 2, 2011 @ 6:30 am

    Kim,

    We recommend that you download our combo “Qualified Written Request/TILA Pay-Off Statement Demand” Document. It is a combination of 2 seperate demand documents, which are fully comprehensive, and we doubt if you’ll need to tweek them, as they are complete with all of the legal authorities required, and demand all of the critical documents and information you would need, in order to compel the bank to comply, and provide you with the information required in order to prove that the alleged lender on who’s behalf they are servicing the loan for, is the true owner of your mortgage.

    Just a note, you will not be asking BOA for proof of quiet title. You will be asking them to validate the debt that they claim you own them, by proving that the lender actually still owns your mortgage.

    Based on the improper terminology that you used regarding asking for proof of quiet title, this indicates to us that you may not be sophisticated enough, or well versed in the law enough to attempt to tweek our documents, and we would recommend that you refrain from doing so, as a quiet title action lawsuit is completely different from a request for information from BOA, to establish the validation of debt.

    If you don’t know what you’re doing, and you attempt to tweek the documents improperly, you will do more damage to your situation than you would do good, and you could ultimately help the bank in possibly foreclosing on your property.

    However, they come in Microsoft Word format, so if you needed to tweek them, you could do so.

    Admin.

  272. Comment by kim — November 30, 2011 @ 4:47 am

    I am interested in purchasing a form letter. . that I could tweek on my own.. to ask BOA for proof of quiet title.? Do you have something like that?

  273. Comment by revolt — November 29, 2011 @ 10:45 pm

    Holly,

    We recommend that you do reconveyance first, if you have time, as the reconveyance process assist you with gathering critical information and evidence, which can be used against the bank to deter them from moving forward with any foreclosure proceedings.

    With evidence, you can show the bank that you can prove their fraudulent attempt of foreclosure, and you will air their dirty laundry in a court of law, should they attempt any foreclosure proceedings against you. The evidence is what gives you the leverage to fight the your mortgage WAR and WIN!

    If you decide you want to move forward with the Quiet Title Action, we will have to customize the document for your particular state, as our documents have been directed towards the most foreclosed states, Ca., AZ., NV., and FL.

    Admin.

  274. Comment by revolt — November 29, 2011 @ 10:35 pm

    Holly,

    The “Take Your Property Back: Step-By-Step Manual” provides a basic outline of the promissory note defense strategy against foreclosure. However, it is not an outline for the “90 Day Take Back Program”, as that program is a much more comprehensive program and strategy, which includes approximately 15 specialized documents, and dedicated email consultations whenever the client has questions about the process.

    Admin.

  275. Comment by revolt — November 29, 2011 @ 10:24 pm

    Dear Helping A Friend,

    She can go after the bank if she feels she has evidence of fraud or predatory lending by the bank, or if she feels that she has evidence to prove that the bank no longer owns her mortgage.

    It is difficult to respond beyond this without specific information regarding the results of her Bakruptcy case. If she still has the property, then this would indicate that when the bank attempted to lift the automatic stay provisions of the BK court, to move forward with the foreclosure, the bank could not prove it had legal standing to do so.

    If that was the case, then it would seem that your friend could have filed an adversarial proceeding to sue the bank in the BK court to take the property back. However, most homeowners are not aware that they can counter-sue the bank in the BK court, and are just happy to be able to keep their homes.

    Again, we do not want to speculate as to what happened in your friend’s case.

    Admin.

  276. Comment by revolt — November 29, 2011 @ 10:17 pm

    Daniel,

    Authentication is defined by your state’s rules of evidence.

    Admin.

  277. Comment by Holly — November 29, 2011 @ 1:02 pm

    I see that I can get the quiet title, which one do I need for NC, and do I need to do reconveyance first?

  278. Comment by Holly — November 29, 2011 @ 12:58 pm

    Does the “Take Back Your Property: Step By Step Manual” outline the basic steps of the 90 day take back program? I have been through the administrative process, however, the program did not include reconveyance or quite title and I want to make sure I have done everything necessary to ward off foreclosure.

  279. Comment by Daniel — November 28, 2011 @ 12:14 pm

    Thank you for the response!

    Can you explain how a securitization audit is authenticated, who conducts the authentication and when?

    Thank you!

    Daniel

  280. Comment by revolt — November 24, 2011 @ 2:28 pm

    Daniel,

    A securitization audit is documented evidence. As long as the evidence can be authenticated, a judge must recognize it under the law, and the rules of court. The evidence is not based on who produced it, but whether it can be authenticated under the law, and rules of evidence. Therefore, the entity which conducts the audit is not required to qualify as an expert, as they are merely compiling information, which does not require any qualifications, just as a whistle blower does not need to be a qualified expert in order to produce evidence, in order to report wrongdoing by a company, or corporation.

    However, in our “Securities Fraud Lawsuit”, we do provide Affidavits from a well respected, and qualified securities fraud expert, so that when accompanied by our Securitization Audit, it is supported by, and provided with the additional credibility of a well respected, and qualified securities fraud expert.

    However, it is the rules of evidence which qualifies the audit, and determines whether the judge must recognize it, not who conducted the audit.

    Admin.

  281. Comment by Daniel — November 23, 2011 @ 3:46 pm

    Hello,

    On the subject of securitization audit, It is my understanding that such an audit is useful only when a Judge will be convinced that the person conducting the audit is actually an expert and is willing to testify in court on behalf of the plaintiff. Can you explain who conducts your securitization audits and what his/her qualifications are to be considered an expert? And is this person willing to travel to testify in court?

    Thank you!
    Daniel

  282. Comment by revolt — November 22, 2011 @ 9:28 am

    LDS,

    This will depend on the laypersons preparedness. If you have all of your personal documents available, i.e. your trust/mortgage deed, promossory note, NOD, ect., it could be between 30 minutes to an hour. Each person’s ability, and speed of work capacity is different.

    Essentially, all of the work has been done for you. All of the legal arguments, and the legal authorities have been written for you. All of the exhibits used as evidence, such as affidavits from well respected specialist in the field are completed and included, and merely need to be attached with the complaint.

    You will merely be filling in your personal information, such as the name of your bank, the name of the securitized trust, your closing dates, ect. All in all, we’d say between 1 to 3 hours time, depending on your capacity and preparedness.

    Admin.

  283. Comment by LDS — November 22, 2011 @ 7:55 am

    Dear Admin

    On average how many hours will a layperson expect to spend preparing the
    actual filing using the “Securities Fraud Lawsuit” package?

    Regards
    LDS

  284. Comment by revolt — November 16, 2011 @ 4:34 pm

    Hello Bernard,

    We are gratified that you are in appreciation of the empowering information we are attempting to provide for homeowners who may not have the financial resources to afford an attorney, in order to fight their mortgage WAR and WIN!

    As you might imagine, there are millions of homeowners facing foreclosure at this time in our history, which makes it a bit difficult for our agents to answer all calls at the time they are received. However, the toll free number on the website allows you to leave your contact information, so that we can return your call at our earliest convenience.

    Therefore, you can leave a message on the toll free number, or if you prefer, you can send us an email at support@thehomeownersrevolt.com, and leave us your contact information, the best time to reach you, and a representative will call you to provide you with answers to any questions you may have.

    Thank you for visiting the MOST POWERFUL foreclosure fighting document site on the Internet! THE HOMEOWNERS REVOLT.COM

    Admin.

  285. Comment by Bernard Clark — November 15, 2011 @ 3:37 pm

    Hello,
    I’ve spent the last couple of hours examining your website, and I applaud your efforts. I’d like to utilize the services that you offer, but I’d like to be able to speak with a person of responsibility within your company. The only number at the website is an ‘informational recording’. Please advise.
    Thank you,
    Bernard

  286. Comment by revolt — November 4, 2011 @ 10:22 am

    Mike,

    Until the Supreme Court changes its ruling on the matter, the law is still in effect. Black’s Law also substantiates the Supreme Court’s ruling.

    A mortgage loan consists of a promissory note and a security instrument, typically a mortgage or a deed of trust. When the note is split from the deed of trust, “the note becomes, as a practical matter, unsecured.” RESTATEMENT (THIRD) OF PROPERTY (MORTGAGES) § 5.4 cmt. a (1997). A person holding only a note lacks the power to foreclose because it lacks the security, and a person holding only a deed of trust suffers no default because only the holder of the note is entitled to payment on it. See RESTATEMENT (THIRD) OF PROPERTY (MORTGAGES) § 5.4 cmt. e (1997).

    “Where the mortgagee has ‘transferred’ only the mortgage, the transaction is a nullity and his ‘assignee,’ having received no interest in the underlying debt or obligation, has a worthless piece of paper.” 4 RICHARD R. POWELL, POWELL ON REAL PROPERTY, § 37.27[2] (2000).

    To our knowledge, the law regarding the seperation of the note from the mortgage is still the prevailing law.

    Admin.

  287. Comment by Mike — November 2, 2011 @ 2:00 pm

    Found this in my searches, would court still uphold something that old, or are there more recent rulings? Sounds cut and dry if they did.

    the 1872 US Supreme Court precedent Carpenter v. Longan, 83 U.S. 271, at 274, including Landmark v Kesler in kansas which states that when the note is separated from the deed as in the case of a MERS nomination, the deed becomes a nullity and the remedy is Quiet Title.

  288. Comment by revolt — November 1, 2011 @ 11:31 am

    Eddie Parks,

    A promissory note is a negotiable instrument, and governed by the laws of negotiable instruments. A security is not a negotiable instrument. It is a secuirty, and governed by the SEC. Once a promissory note has been converted into a security, it no longer exist as a negotiable instrument. This is why the security must be registered with the SEC.

    That fact that the loan has been securitized and must be registered as a security which is governed by the SEC, establishes that it has changed forms. We will provide you with some authorities later, but until then, do some further homeowork. Also, for a further understanding of the securitization process, download our “Securitization A -D” document from our website.

    Admin.

  289. Comment by revolt — November 1, 2011 @ 11:10 am

    William Vets,

    One must be very careful when interpreting the law, and cases which have been decided recently. The courts, and the banks want to discourage those who would fight back for their homes, and expose these banksters for the fraudulent foreclosures they have perpetrated against homeowners all across the counrty.

    The law is very tricky, and abiguous by design. For example, the recent law you make reference to states that there is no requirement for the bank to produce the promissory note under the California statutory foreclosure framework. Laws actually will vary dependent upon whether you are in a judicial or non-judicial state.

    However, the slick part about the law is this, in certain states there may not be a requirement to produce the promissory note, but in all states the principal of legal standing is universally recognized. Legal standing means that you must show that you have some security interest in the property, or you are not allowed to be in court. Meaning you simply have no dog in the fight, because you don’t own any of the dogs.

    For example, if a total stranger files a suit against you, and says your car belongs to him, the court would require that person to prove that he owns any interest in your car. He would have to produce a pink slip, or some form of document showing he has anything to do with your car. If he doesn’t, the judge would throw him out of court, because if he doesn’t have anything to do with your car, he has no right to sue you.

    Same with the foreclosure. The bank must produce some evidence which would prove they have any security interest in your property. So, although technically, there may not be a law that states that the bank is required to produce a promissory note, there is a law that says that they must prove they have a security interest in the property, and how do they do that? By producing the promissory note. Its a matter of symatics, and slick word association. The law is a clever game.

    Additionally, in non-judicial states, because there is a statutory framework in place that governs the foreclosure procedures, that statutory process does not specifically state that producing a promissory note is required in order to conduct a foreclosure trustee sale. However, California homeowners do still have legal procedures available to them. They must fashion their complaints as ones asserting the bank has no legal standing to pursue foreclosure, or as a predatory or fraudulent foreclosure, as opposed to just a produce the note complaint strategy.

    Admin.

  290. Comment by revolt — November 1, 2011 @ 10:37 am

    gsmith,

    One of the keys to the 90 day program is that it takes you through a process of gathering critical evidence against the bank, which will deter them from attempting to challenge your reconveyance. They do not want to be forced to air their dirty laundry in a court of law. Additionally, it is not likely, and in fact it would be fiscally irresponsible for them to incur the cost of attorney’s fees in a case where there is overwhelming evidence stacked against them.

    The evidece is the key to creating leverage against the bank, so that they either try to negotiate a deal with you, or just walk away, as they have already been paid several times over on your loan.

    However, after the reconveyance, should the bank attempt to challenge your reconveyance, you can file what’s called a Quiet Title Action lawsuit against the bank. (you can download the Quiet Title Action Lawsuit from our website) This lawsuit asserts to the court that there is a dispute regarding the title of the property, which the court needs to resolve.

    Both sides will be forced to produce evidence to support their claims to the property. The problem is that the bank, in almost all cases, cannot produce the evidence, or the promissory note, which establishes that they have any legal rights to the property. If they cannot produce their evidence, then the court must by law rule in your favor, remove the bank from the title of the property, and you then are the only entity left on title, and you receive your property free & clear of any mortgage.

    Admin.

  291. Comment by gsmith — October 31, 2011 @ 12:25 pm

    I am considering purchasing your 90 day program but have a few questions. Once I reconvey the property what do I need to do to stop the bank from continuing their foreclosure against my home? Please avise me.

  292. Comment by Eddie Parks — October 29, 2011 @ 3:04 pm

    It is my understanding the securities subject to the regulations you have sighted in your arguments are the certificates of investment sold to the public that are backed by the mortgages in the pool but the securities are not the mortgages themselves. Do you have statutory or substantial case law that has determined or classified mortgage loans held in an asset trust to be the securities being sold to the investing public?

  293. Comment by revolt — October 24, 2011 @ 1:06 pm

    LDS,

    We received your email correspondence. We will respond shortly, as it is somewhat lengthly. You would file the Securities Fraud Lawsuit as a new complaint, in the county where the property is located. However, depending on the issues raised in your pending case, the Securities Fraud Lawsuit may be consolidated with your pending case.

    To consolidate means to join both cases together, so that they can be litigated as one case in order to save on judicial resources. If it is consolidated, it is not a problem, as all of the causes of actions will still be fully litigated.

    Admin.

  294. Comment by revolt — October 24, 2011 @ 12:58 pm

    IWantToFightBofA,

    You are very welcome! We are happy to be of assistance.

    Admin.

  295. Comment by LDS — October 24, 2011 @ 11:45 am

    Dear Admin,

    This post is a follow up to my request sent yesterday to support. Details are included in that email which I do not wish to share in a public forum.

    I am prepared to purchase the “Securities Fraud Lawsuit” package for Nevada. Must I file this as an appeal in the same court in NV where the motion to dismiss was filed or would I file a new complaint in CA. where I am currently living? Thank you again for educating me. LDS

  296. Comment by IWantToFightBofA — October 24, 2011 @ 10:28 am

    Oh to answer your question, I am in CA. Thank you again.

  297. Comment by revolt — October 23, 2011 @ 11:53 am

    IWantTo Fight BofA,

    Depending on the type of fraud, in general there is no statute of limitation on fraud, and in some cases, it is 3 years from the point of discovery of the fraud. US Supreme Court has declared: “There is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments.” (United States v. Throckmorton, 98 U.S. 61).

    As for your loan mod, it does not take 6 months to determine if you qualify for a loan mod. BofA is notorious for stringing homeowners along, promising a loan mod, and then in many cases, foreclosing on them, while the homeowner was under the impression he/she was getting a loan mod.

    In order to get the banks to do anything, you must first create leverage for yourself, by gathering evidence of wrongdoing against the bank. Once you have such evidence, you put the bank in a position where either they make a deal with you, or risk a civil suit, and a public relations nightmare, by your making public their illegal, or fraudulent activities.

    So far, you have evidence that they made a mistake on your previous loan mod, and that they have failed to adhere to the Nevada and Arizona attorney generals loan modification settlement agreement. This is a start, and does begin to create some leverage. Chances are, if you investigate your mortgage, you will find that BofA, may no longer even own your mortgage, and cannot produce the promissory note, which gives them any legal rights to collect your mortgage payments.

    A good place to start is by downloading our Qualified Written Request (QWR) & Pay-Off Statement Demand Document. This is a legally binding document, which requires the lender to acknowledge receipt of your request within 5 business days of receipt of your request, and provide the requested information within 30 business days of receipt of your request. Failure to comply carries up to $2,000.00 in fines and for your cost and any attorneys fees.

    The Pay-Off Statement will reveal to you who, if anyone has purchased your loan, or who paid off your previous loan balance. This is important, because it could reveal that you owe nothing to the lender, as they have already been paid in full. This is the kind of powerful information, and evidence you will need, in order to compel the lender to negotiate with you.

    These documents are a form of discovery, which is a term used in civil lawsuits. Under civil rules of procedure, both parties are required to provide each side with any documents, they might have in their possession, which might constitute relevent evidence to the case. Under RESPA (Real Estate Settlement Procedures Act) you are entitled to the information you are requesting.

    Also, we recommend that you download our “Notice Of Rescission” Document. A notice of rescission is also governed by TILA (Truth In Lending Act), another Federal law, which requires the lender to return all monies you have paid since the origination of your loan, including your down payment, closing cost, and all payments you have made to date, within 20 business days of receipt of your notice. If they fail to do this, by Federal law, they automatically waive any security interest they may have had in the property, and you get to keep the property, with no further mortgage payments required in most cases.

    If they return your funds, you will be required to return the money which was loaned at the time of the loan origination. The trick here is that, the lender never wants to return any money, so to date as we know it, the lender has never complied with the notice of rescission.

    Now a notice of rescission generally carries with it a 3 year statute of limitations, and can usually only be applied on a refinance loan, and not a purchase loan. However, when fraud is involved, the statute of limitation does not begin until the fraud was discovered, or until all documents were provided to the homeowner pursuant to the TILA. In other words, if you discover that during the loan origination, the lender failed to provide you with disclosure documents required by RESPA, or TILA, until you have received those documents, the statute of limitations does not begin to run, until you have received those documents. So in those scenarios, the statute of limitations could go well beyond the statutory 3 years.

    So in summary, we recommend that you download 1.) The QWR & Pay-Off Statement Demand Letter; and 2.) The Notice Of Rescission Document. These documents will help you discover if your loan has been sold or securitized, and whether or not BofA even owns your mortgage at this time. It will help you discover if they can produce the promissory note, and who is the present owner of your mortgage, as BofA is probably just the loan servicer who merely collects payments for the holder of the note.

    Just so you know, BofA has recently been sued by investors for selling them toxic mortgage backed securities, and has agreed to a settlement of $8.5 Billion, and by the US Government in a settlement for $2.87 Billion. Also, the Arizona and Nevada Attorney General’s Office is seeking to sue BofA for violating a previous broad loan modification agreement it entered into with the attorney generals office. By the way, one of the terms of that agreement was that BofA would resolve any loan mod request within 60 days.

    So, as you can see, if you can compile evidence of wrongdoing by BofA, a threat to report them to the AG’s office would provide you with significant leverage for them to negotiate with you. What state are you in?

    Admin.

  298. Comment by revolt — October 23, 2011 @ 10:17 am

    Daniel,

    Thanks for posting this link on the Massachutsetts Supreme Court Case.
    Admin.

  299. Comment by IWantToFightBofA — October 22, 2011 @ 12:22 pm

    BofA called me in April 2011 asking if I was interested in a loan mod. I stated I am but do not wish to start the 30 year loan term over. BofA stated I had a 40yr loan. I tried to tell him I do not but he insisted I did. Concerned, I dug up my loan mod docs from 2008. It took me several reviews of the docs to find why they are saying 40 yr. On page 3 of the docs it states in 14pt font the “New interest Rate”, “Principal Balance”, “Remaining Terms…” (states 27 years left from 2008), “New interest Payment”…etc. On pg 5 of the Note in 8pt font it states a date (40 years from the original purchase date). Nothing else in the docs about a 40yr. Very deceptive and contradicts what is stated on pg 3. I notified the negotiator that I am not interested in paying any longer on a 40 year loan and if I would have known this when I filed for BK back in 2009 I would not have paid any longer on the mortgage. (I put $40k down in 2005 and am still @ $60k underwater). I continue to make the payments as the BofA negotiator has assured me verbally that it was their mistake (I know I could not believe it either that they would admit guilt)and that when the loan mod comes thru the note will be adjusted back to the 30yrs from 2005. It has been 6 months with no progress, just requesting more financial paperwork. What documents do I need to fight to either get the money back that I have paid since 2009 (approx. $50,000) or to make them reduce the principal owed to fair market value? What is the statute of limitations for this type of fraud? Thank you for your thoughts. -LF

  300. Comment by Daniel — October 21, 2011 @ 10:40 am

    BOMBSHELL – Massachusetts Supreme Court Rules That Most Foreclosure Sales From Previous 5 Years Are VOID … http://dailybail.com/home/bombshell-massachusetts-supreme-court-rules-that-most-forecl.html

  301. Comment by LDS — October 20, 2011 @ 5:53 pm

    Admin,

    I live in California, the property is in NV. I understand everything you have written and am glad you get it. How refreshing. I must make a decision within the next 7 days. Thanks for the timely response. LDS

  302. Comment by revolt — October 20, 2011 @ 3:31 pm

    LDS,

    As for the motion to dismiss, this is why it is important to file ones lawsuits properly, so that your case cannot be thrown out prematurely. When listing a cause of action such as Fraud, the legal standard of review is that the fraud must be articulated with particularity, or it does not meet the legal standard, and can be dismissed. If your attorney drafted the complaint, then he/she was incompetent, and caused your case to be vulnerable to dismissal.

    1.) At any rate, to find out if the documents were authenticated, first you must acquire the documents, so that you can examine them. If the documents bore no corporate seal, or the person listed as the signor was not authorized to sign the document, or if the notary who signed the document was not commissioned at the time of signing, or if the person who signed the document was a known robo-signer, or in the case of an assignment of mortgage, if the assignment was executed after the trust cut-off date, then any of these situations could establish that the documents were not authenticated, and /or unauthorized.

    2.) Our Securities Fraud Lawsuit does not come with a Securitization Audt by a third party expert witness. However, it does come with an expert witness Affidavit on Securitization as an Exhibit to the Securities Fraud Lawsuit, and 3 additional Exhibits containing an articles from an expert witness on assignments as evidence of fraud, a note to all judges from an expert witness, an article on MERS and fraud committed by mortgage servicers by an expert witness, and a Memorandum Of Law against banks who have submitted forged or fraudulent documents in foreclosure cases by an expert witness. You can also order our Securitization Audit for additional evidence to support your lawsuit.

    3.) As for filing a chapter 7 BK, it would be inappropriate for us to comment on whether it would be more equitable, or better to file, as we simply do not have enough information, and would need to have reviewed your entire file to responsibly answer that question. The one thing we do not want to do, is to give you the wrong information. Because you do possess all of the information, you are in a better position to make that decision.

    It truly depends on what legal strategy you want to employ. In the BK court, you will mainly be providing yourself with additional time, and attempting to force the bank into producing evidence which would establish their right to foreclosure. With the Securities Fraud Lawsuit, you will not only buy yourself additional time, but you will also force them to produce their evidence, while also going after statutory damages, and punitive damages (3x the amount of the loan balance statutory, and approximately 4x the amount of the award in punitive damages). Only you can make the decision as to which one you feel more compelled to choose.

    Please refresh our memory of which state you are in. Thanks.

    Admin.

  303. Comment by revolt — October 20, 2011 @ 3:01 pm

    Mike,

    Before contacting an attorney, you should be clear on the merits of your foreclosure complaint. It usually gives you a better chance of retaining attorney representation, when they can see that you have compelling evidence already on your behalf.

    We will get back to you with a refferal, but in the meantime, ask BofA to give you the name of the Duetsche Bank Trust, which now owns your mortgage, so you can direct your questions to them. This is important, because you will then be able to look up the Trust, and find valuable evidence and information that may assist you with any potential lawsuit, and retaining an attorney.

    Admin.

  304. Comment by LDS — October 20, 2011 @ 2:19 pm

    Dear Revolt,

    I first found thehomeownersrevolt.com through the web offering a free MRES # search. Your staff provided this FAST & FREE service on two properties for me just two weeks ago. I understand this is about Chain of Title and finding the proper way to establish fraud was committed.

    After reading many of the posts here I do believe you are providing authentic transparent legal guidance in maters of foreclosure related issues for the average person. THANK YOU for this fantastic site. I will continue to fight for my rights and am able to work for an equitable settlement. My goal is to obtain clear title & repair my credit standing to where it was before their wrongful foreclosure actions damaged my public reputation, financial situation and health. I look forward to moving on in my life and putting an end to this “Great Depression” I have experienced since 2009.

    The important question is in what venue will I find the best remedy?

    The search for this property in question didn’t return a MERS # from your company. I am wondering if this information could have been expunged because I was already in litigation with them earlier this year?

    Regardless, in the case filed in District Court (2/11), the complaint states “The Mortgage Electronic Registration Systems, Inc. (“MERS“) was named as “a nominee for Lender and Lenders successors and assigns” and claimed to be the beneficiary under the security instrument.” In this case the court ordered a Motion to Dismiss and it was granted without leave to amend. Among other comments the judge said the complaint had failed to state with particularity a cause of action for fraud in the inducement. Plaintiff sought relief in the form of a declaratory relief, reformation and quiet title. I have no complaints with how my council at the time handled this case. Now that I am on my own again several questions are still left unanswered and therefore I am unsure how to best proceed.

    1. How do I find out if the documents presented to the courts by the defendants were authenticated?

    2. Is a Securitization Audit by a third party expert witness part of the “Securities Fraud Lawsuit” package & have I provided enough information for you to determine if my filing a NEW complaint using this kit is the preferred route?

    3. Would filing chapter 7 BK be an equitable or better choice in my case?

    Thank you in advance for your comments.

    LDS

  305. Comment by Mike — October 18, 2011 @ 4:57 pm

    Could you recommend a good FC lawyer in Maryland as BofA told me they are only servicing the loan which was bought and sold by Duecth
    as securities.

  306. Comment by revolt — October 18, 2011 @ 10:59 am

    Clark,

    We are gratified that you have found our site useful, and informative. We appreciate your compliment. Yes unfortunately, many attorneys are too busy trying to make a buck, instead of earnestly defending these types of cases.

    We just spoke to a homeowner who had been paying an attorney $4K a month since February of 2011 to represent her, and recently just received a Notice Of Trustee Sale on her property. She has paid him $24K over 8 months, and the attorney has not filed one document on her behalf, and has taken no foreclosure defensive actions to protect her home. They are in business to make money, not dispense or fight the injustices. This is why you hear so many bad attorney jokes, and they have such terrible reputations.

    At any rate, we’ll get back to you with an attorney referral.

    Admin.

  307. Comment by Clark — October 17, 2011 @ 1:01 pm

    First, I want to say I love your site. I have sent a number of people here. I was wondering if you would be able to recommend an attorney, or firm in LasVegas or even Nevada itself. It has not been easy to find representation that can even scratch the surface of what you have covered here. Thank you again for your help.

  308. Comment by revolt — October 14, 2011 @ 8:54 pm

    LDS,

    Additionally, the May 2010 Default entered in your favor may in fact have been the remedy you sought. Without knowing all of the particulars regarding the default judgment, in general a default judgment is awarded when one party does not respond to the complaint in a timely fashion. If they fail to respond, the court will grant a default judgment in favor of the party on record in the case.

    It appears from the information you provided, that had you completed the filing requirements for the default judgment, the case would have been over, and officially decided in your favor. You would have then had a judgment in your favor, which would have stopped any foreclosure proceedings. Your attorneys should have picked up on that right away.

    Unfortunately, homeowners In Pro Se do not have a legal background, and the banks get away with their fraud, even when they are guilty, because the homeowners lack the knowledge of the rules of procedure, and the civil legal litigation experience required in order to prevail in court. If you don’t know the rules of the game, you can’t win.

    Admin.

  309. Comment by revolt — October 14, 2011 @ 8:16 pm

    LDS,

    From the information you provided, it appears that your initial civil suit was dismissed, and you did not appeal that lower court decision to dismiss your case. With that , we also assume that the property was sold at a trustee sale. If our assumption is correct, this leaves you asking the question, is there anything you can do to get your property back.

    If indeed ths is your question, then one possible legal avenue available to you would be to file a “Securities Fraud Lawsuit” against the bank. We have this document on our website, and it can be instantly downloaded NOW!

    This assumes that your loan was securitized, which 95% of all loans originated between 2000 and 2009 were in fact securitized. If your loan was securitized, and you did not list this as a cause of action in your previous litigation, you can file another civil complaint against the lender, and/or the investment trust, in an affeort to get your property back, and should you prevail in court, you will be entitled to 3x the statutory damages, which is 3x the amount of the loan balance, plus possible punitive damages awarded to you, and the return of your property.

    We don’t know what the merits of your case were, but it seems that your attorneys were not very competent in their representation of your case, as many reputable attorneys do not even take a case unless they are already confident that it is a winning case. However, many less reputable attorneys will take a case, just for the money, even though they may feel that their chances of prevailing are slim.

    Read the article on our website “The Wall Street Scam: Securitization Is Illegal.” If you determine that your loan was indeed securitized, downloading and filing our “Securities Fraud Lawsuit” document could give you another bit at the apple in getting your property back.

    Admin.

  310. Comment by LDS — October 14, 2011 @ 4:55 pm

    Admin:

    My apologies for not providing a clear timeline of the facts as I know them in my case. The property and all filings have been in the state of Nevada. Currently I am living in California.

    February 02, 2011 a Motion to Dismiss was filed in United States District Court, District of Nevada and on February 09, 2011 I received a letter from my council saying:

    This letter is to inform you that an Order has been filed in your case from the Hon.XXXX. Unfortunately, he dismissed all the claims in your case as to all defendants and will not let our firm file an amended complaint.

    The next step of action would be filing an appeal in your case to the 9th Circuit Court of Appeals. We are requesting $15,000 if you would like to appeal the Court’s decision.

    I didn’t have this amount of money to continue and I sent a letter to inform my counsel of this fact.

    April 2011 Received letter from my counsel saying: We intend to dismiss the appeal on Wednesday May 4, 2011. If you wish to continue the appeal of your case, please have alternate counsel substituted in by that date.

    July 2011 Notice of Withdrawal of Counsel filed.

    September 20, 2011 I received a basic form letter from my lender regarding an upgrade in servicing my loan??? I have not communicated with them directly since February 15, 2010.
    ———————————————————————-
    History Timeline

    March 2010 I personally filed a Petition to Stay and or Vacate Eviction and Order Parties into AB149 Mediation against Federal Home Loan Mortgage Corp. in the Second Judicial Court of the State of Nevada in and for the county of Washoe.

    April 2010 Summons to defendant FHLC filed in the Second Judicial Court of the State of Nevada.

    April 2010 I was advised by Nevada Legal Services that filing bankruptcy would be my only remedy.

    May 2010 Defaults were entered against Defendant (FHLC) on my behalf, at this time I was advised I had filed in the wrong court and needed to hire legal counsel. The Clerk Recorders Office said I needed to fill in the amount I was suing for and then file for the default judgment. I had no idea what I was doing. As I look back now I wonder if this act alone could have been my remedy? The mortgage debate and rage was just beginning to go viral and it was impossible to get a straight answer from anyone! All I wanted was the chance to reclaim my property and save my credit rating. I have all facts as discussed here documented.

    June 2010 I began a process to receive credit counseling with Consumer Credit Affiliates who confirmed to me that the lender was required by law to give information to homeowners facing foreclosure regarding the Nevada Mediation Program.

    June 2010 I hired legal counsel.

    July 2010 Order to Proceed on my case filed Pro Se on 3-25-10. Was advised by my legal counsel to request the Judge dismiss.

    Thank you for reviewing my case and for guidance on next possible steps.
    LDS

  311. Comment by revolt — October 14, 2011 @ 12:00 am

    LDS,

    Your comments are a bit vague. Your attorney filed what in April 2010? What state are you in? If you have an attorney, why are you not posing your questions to him/her?

    Someone took a deposition indicating that there was a civil action commenced, but you now say you’re not in litigation. What was the result of the previous litigation?

    You will need to provide more clarity before we can respond appropriately.

    Admin.

  312. Comment by LDS — October 13, 2011 @ 5:35 pm

    Admin:

    I am not in litigation now. Have not filed a complaint. Was wondering
    if I should send a “Notice of Fraudlent Transfer” to the last person who
    I spoke with @ Freddie-Mac, March 2010. My attorney filed in April
    2010. At the time there was a question if I was within a 120 day
    deadline, but they took a deposition & filed a Lis Pendence. He offered
    he knew the judge & would basically arrange for a new loan @ 4%
    once there was judgement. There is also a HOA board involved. It’s
    a small town & everyone knows everybody else’s business. Board members
    include an attorney, accountant, retired banker, real estate broker….they
    would all love to end up w/ my property as a prime rental for their private
    portfolio. So my next legal move will need to be airtight.

  313. Comment by revolt — October 13, 2011 @ 4:53 pm

    Daniel,

    Please direct them to the PROOF OF RECONVEYANCE – RELEASE OF LIEN link on our website. These are clients who have allowed us to post their actual Release Of Lien Documents from their successful reconveyances. Also see our client TESTIMONIALS on the website.

    Admin.

  314. Comment by Daniel — October 12, 2011 @ 6:05 pm

    Admin,
    Would it be possible to get copies of results from past clients? I have some interested people who like the sound of your 90 Day Free and Clear program, but just want to see some proof.
    Could you put on your website or email to me at intercapitalrealty at gmail dot com

  315. Comment by revolt — October 11, 2011 @ 1:51 pm

    lds,

    You will need to provide an updated status of your case, as to what stage of litigation you are in. Has the lender filed an answer to your complaint? Have they filed a motion to dismiss? The standard defensive procedure will be to file a Motion To Dismiss your case. You must be prepared to file an objection to that motion.

    You also need to stay on the offensive, by making the lender prove their case, by providing the required evidence to establish that they are the holder of the promissory note, or are authorized by the holder to conduct a foreclosure sale. You must stay on top of the civil procedures, because now that you are in pro se, the lender’s attorneys know that you may be vulnerable, because of your lack of litigation experience.

    They will manipulate the court system to have your case dismissed, even though they may be guilty of conducting a fraudulent foreclosure. If you don’t know the law, and how to properly litigate the case through your understanding of the civil procedures, they can still get away with their scandalous foreclosure attempt.

    You must be very vigilent, and you cannot miss any legal deadlines, as it relates to responding to their court filings. This will allow them to get off on a technicality, which is what they are hoping to do. In fact, they count on the homeowner’s ignorance of the law to get away with their unscrupulous, and fraudulent foreclosures. Stay vigilent, and let us know the status if your case. We can then direct you to documents that you can download that will help you litigate your case.

    Admin.

  316. Comment by lds — October 11, 2011 @ 8:20 am

    Dear HomeOwnersRevolt:

    Fantastic information on your site. Thank you in advance for your guidence in the following matter.

    Details: Documented Wrongful Forclosure Sale on my Nevada condo in January 2009. Had high profile law firm representation who filed on my behalf for possible class action lawsuit re: MERS, predatory lending etc. In May of 2011, I again experienced financial hardship & I was unable to continue making payments to them. I was asked to pay $15,000.000 or they would end client-attorney relationship. Freddie has title…I still retain posession of the property. I will never give up and am Pro Se for the moment. I understand at some point I will need legal representation. Any thoughts on next steps? Thank you. LDS

  317. Comment by revolt — October 6, 2011 @ 3:31 pm

    Robyn,

    Thank you for your comments. It is important because so many people in our society believe that attorneys are the all knowing wizards of oz. Your comment confirms for many people that they are not. I’m sure your dad is a most intelligent, and well accomplished attorney in his field, but not even attorneys know everything about every area of law.

    Just as a brain surgeon may not know some things about heart surgery, nobody knows everything about all areas of law. We mention this because, we get potential clients who have an attorney tell them that some of the foreclosure defense strategies won’t work, and just because its coming from an attorney, the potential clients automatically believe them.

    First, those individuals need to understand that we are in competition with attorneys and law firms. They are not going to say anything good about what we’re doing, because we’re taking money out of their pockets, and as you know, they will charge thousands more than we do. Secondly, attorneys must worry about their legal liability. If they support what we do, and something goes wrong, then they can be sued, so they cover themselves by advising against whatever is being presented to them, if it is not going to result in money in their pockets.

    One of our affiliate law firms that we work with in Florida, stated to us that we are more well versed in foreclosure defense law then any of their collegues who are licensed attorneys. We appreciate that compliment, but it is becuase we have specialized in this area of law.

    In spite of your dad’s 45 + years as an attorney, the securitized trust arena is just not something he specialized in. I’m sure whatever he did specialize in, he is a giant in that arena. My point here to our subscribers is to take what attorneys say with a grain of salt. They do not know everything, and in some cases they are downright incompetent, and unscrupulous, or belive it or not, sometimes they just do not know the answer.

    Okay, we’re done with our rant. Make sure you file an opposition to the bank’s inevitable Motion To Lift Stay. As you may know, you also have the opportunity to force the lender to prove they have legal standing in the BK court, as it is required in order for the bank to be granted the ability to lift your BK stay provisions, and in many cases homeowners may fair better in BK court, than in the District Court, because the BK court is a consumer advocate court, meaning it is designed with the direct intent to protect the consumer from any possible abuses by the alleged creditor.

    Keep up the good fight, and good luck! Make sure to utilize the documents, and information we have available.

    Admin.

  318. Comment by Robyn Cabral — October 4, 2011 @ 10:07 pm

    I want to say YES YES AND YES! I come from an attorney family I understand the WALL STREET MESS AND YOU GUYS PUT IT TOGETHER!
    I WILL NOT ALLOW FORECLOSURES TO TAKE PLACE ON MY HAWAII RESIDENCE NOR MY MICHIGAN PROPERTY! THANK YOU FOR THE PROPER FORMS AS MY FATHER LIVES IN TEXAS( ATTORNEY) 45 YEARS AND STILL IS NOT SURE WHAT EXACTLY HAPPEENED IN THESE SECURITIZED TRUSTS! I FILED BK TO GET THE LIABILITY OFF MY BACK AND NOW I AM GOING TO MOVE FORWARD WITH MY LOANS THAT HAVE BEEN “mers”d. and regain ownership!

  319. Comment by revolt — October 4, 2011 @ 9:11 pm

    Tina,

    These judges should be put in jail for their blantant abuse, and violations of law. They are corrupt, and in many cases are in bed with the banks. The judge fed you a bunch of B.S. The BK court is exactly the place to determine legal stading, and it is ridiculous to state that only the Supreme Court could answer that question, as there is an abundance of BK cases that have clearly established the precedence for the requirement of legal standing.

    In fact, In re Kang Jin Hwang 396 B.R. 757 (Bankr.C.D.Cal.2008); In re Vargas, 396 B.R. 511 (Bankr.C.D.Cal., 2008), it clearly established the requirement for legal standing. The holder of the note and not the servicer or the collecting agent, must be the moving party, and the party to whom relief is granted, and must be so named in the pleadings. Id; Kang Jin Hwang, supra; Vargas, supra. Pursuant to FRCP 17(a) and 19(a), applicable via Rules 9014, 7017 and 7019, the true party in interest is the only party that can proceed in this action on behalf of the beneficiary of the note in question and their joinder is required.”

    That Judge is a lying SOB. We apologize for the bad language, but this kind of corruption, and blatant violation of the law makes us extremely angry. At any rate, download our “Notice Of Default Dispute Letter”. Under Federal law they are required to provide you with validation of the debt, and must cease all collection activities until they comply with validation of the debt request.

    As for the person attempting to purchase your home, he cannot do so until it has been foreclosed on. You cannot stop him from talking to the bank. Do not worry about him, he is the least of your worries. If you can stop the foreclosure, then he cannot touch your property. So focus on saving your property, not the guy trying to buy the house. He’s not important.

    If you can afford an attorney, we recommend that you get one, as the judges treat them with much more respect, and are less likely to violate the law, when they know there is someone watching who knows the law, and has some power to hold them accountable.

    Admin.

  320. Comment by Tina — September 25, 2011 @ 7:38 am

    Thank you for your response. I live in the state of Georgia and I did exactly what you told me in my BK and that was to file a motion Opposing the Motion to Lifting the Stay and that judge didn’t deal with the matter at all!! Unbelievable! The judge stated that determining who had Ownership Interest/Standing was not the arena for his courtroom and he would NOT deal with that matter in BK court. He said it was an issue for Supreme Court. He also stated that I cant stay under BK Protection forever and that once my debt is discharged than I would be back fighting the banks again anyway. I’m now officially out of BK and have started receiving threatening letters from the Foreclosure Atty McCalla & Raymer and that they are Attempting to collect a Debt and a demand for payment. I have 30 days to respond to this Demand for payment letter. Is there anything I can do to stop them?

    Also to make matters even more complicated, I found out that someone is directly trying to go to my Lender and to make them an offer for my home ( A much cheaper offer than my contract, by the way)!!!! I’m not even in foreclosure yet, and don’t see how this is possible!? Can you PLEASE give me advice on how to stop the Foreclosure Atty and this anonymous person going to the bank to buy my home right from under my nose!! Unbelievable! I’m at a loss of words on both matters BUT the person trying to undermine me by talking to my Lender, and I’m not even done fighting is OUTRAGEOUS and Jaw Dropping!! Thank you for your time. I’m desperate right now!

  321. Comment by revolt — September 23, 2011 @ 12:01 am

    Tom D.

    Your commentary is pretty much on point. However, whether or not the loan servicer had the right to execute the loan mod, would rest on the terms of the trust agreement, and when the loan was securitized.

    However, as it relates to the BK court, whoever is attempting to foreclose will have to establish that they are a holder in due course of the note, or acquired the rights to enforce the note from a party who had the rights of enforcement at the time the rights were transferred.

    We will try to see if we can include the affidavit with the audit.

    Admin.

  322. Comment by Tom D — September 22, 2011 @ 6:46 pm

    Thanks Revolt………..

    How much would the Affidavit service be?

    I’m not so interested in laws in VA. They are not homeowner friendly. This has to go Fed BK or file the complaint judicially in Fed court.

    Back to the loan mod creating a new note issue. There was never recordation of assignment from the originator to the current pretender. The originator passed the servicing of the loan to the current servicer while it was in default. I felt under alot of duress as I was in default with the originator for several months and facing a Notice of Sale so I signed the mod with the new pretender thinking that it was a blessing from above.
    I thought that mods are like assignments just attachments or allonge to the original note….The mod references the original note as mod means to “amend, renew and extend the original promissory note”

    Anyhow, I just found in the UCC something called the “Holder in Due Course Doctrine” which states the if an note/instrument is in default when transferred to a new party, and the assignee has knowledge of the bad debt the new holder loses the same rights and remedy that the prior assignor had under the agreement and in effect is not the new “Holder in Due Course”. So does this pose a Fraud Infactum whereby the current servicer had no right to even modify the note in the 1st place. If they are not HDC the they are not a real party of interest and never had standing to modify the loan.

    I’m now really curious as to why the originator unloaded the note to the current servicer when they had me in default and could have foreclosed in short order. And why did the current servicer take on a defaulted note? Because perhaps they purchased (or a copy of it because the original note was destroyed in prior securitization) it for pennies on the dollar and then took the newly created note from the mod and securitized it to make their $1M+. It all make sense given the predatory nature of these scumbags. Supposedly my orginator securitized alot in “private” trusts. Obviously I’m quickly coming to a dead end in research I can do without employing professional auditors to build the case and force them to prove-up in BK court. My assertion has to be that they never were a party of interest as they don’t have proper chain of title, fail the Holder in Due Course test, cannot produce the “Wet Ink” orginal.

    Word to all my Brothers and Sisters out there….never, never NEVER GIVE UP!

    Let’s crush these Bastards!

  323. Comment by revolt — September 22, 2011 @ 9:28 am

    Corine,

    We will consider developing a manual for that purpose, but until then, the only recourse one has at this time is to file a civil complaint against the bank. Depending on the amount of time that has gone by since the foreclosure, it may be possible to file a motion to vacate the judgment on the foreclosure, if you have the proper merits to do so.

    Such merits usually include some form of fraud in the process of the foreclosure proceedings.

    Admin.

  324. Comment by revolt — September 21, 2011 @ 6:59 pm

    Holaoleole,

    Yes, this fight is not for the faint of heart, but you fight, or just roll over and let them take your home without a fight. You’ve gone too far to stop now. You must fight to the end.

    Tell us what state you are in, so we can be of more assistance with possible helpful information. One strategy that may be used is if you can produce a lease agreement, showing the home has been leased, under the law the lender will have to honor that lease agreement, and cannot evict the tenant, unless the house is actually sold to a private buyer.

    If so, you can file a motion to stay the writ of execution, show the lease agreement to the court, and they should stay the eviction. Send a copy of the stay to the sheriff’s office, so that they know you have a legal right to stay in your home.

    You need to be more specific as to what motions are pending in what courts. Why are there cases pending in 2 different courts? If one of the motions is a motion for temporary injuntion, or temporary retraining order, you might also send this to the sheriff’s office charged with executing the eviction, so that they know the court is reviewing whether to stay the eviction.

    Admin.

  325. Comment by revolt — September 21, 2011 @ 6:46 pm

    Tom D.

    By signing a loan mod, you are modifying the terms of the previous agreement (trust/mortgage deed/Promissory note) and entering into a new agreement. Therefore, the old note is no longer relevant, and as such, there is no requirement to produce it.

    However, the loan mod does not supercede the requirement of chain of title. If your loan servicer had no authority to execute a loan mod, then it is void, and invalid.

    We would have to review Virgina law, but all mortgage loans are based on contract law, and the laws governing negotiable instruments. Therefore, every transfer of a security interest in a property will require an assignment of the interest in some form or another.

    It sounds like you have some incriminating evidence that shows some controversy as to whether or not you owe any money to the alleged bank. Continue with your research, and always challenge everything the bank throws your way, as it appears that you are doing.

    We can provide an affidavit for the securitization audit, and yes it will definitely be instrumental should you decide to enter into the judicial system by way of a civil action, or the BK court.

    Admin.

  326. Comment by Holaoleole — September 21, 2011 @ 5:17 pm

    Wish I had found you about 3 years ago. You might as well say all 4 attorneys we had helped us do nothing but lose our home. They are coming Monday to throw us out.
    Question: Is it true that you can have too many orders against you to keep fighting this? One order came from a judge that was arrested for drug use and the other one let them walk in the court without one shred of evidence that we owed them money, but yet he was such a smartass, he ruled for them and would not even let us speak or present anything. Since I fired the attorneys, have done everything by the book pro se. Still, they are coming after us and even with two pending motions; one in federal court and one in superior court and the superior court one was an emergency motion until the federal one was decided. ugh What am I gonna do now? Sick of this crap; it has ruined my life forever!!

  327. Comment by Tom D — September 20, 2011 @ 10:29 pm

    Revolt….Thanks For the the Reply Quite Righteous of you to respond. My QWR was pretty spot on from the legal definition. I loaded it with TILA and RESPA Q’s and thru in some GAAP Q’s just to put a cherry on it. I guess my most recent concern is that I have heard that if you sign a loan mod with the pretender you may have given them leverage to “perfect” the note if they could not have produced it before. How can this be true? I went to the city records office today and found the original lender for my 1st mortgage never assigned to the current servicer. Although my 2nd mortgage lender did all the proper assignments to the current servicer. I’m in VA and I don’t think it is a requirement to record assignments but that does raise a question of valid standing and the pretender from being Holder in Due Course. Wouldn’t that be a stronger legal ground to say they have no standing as they never perfected the chain of title? For all I know they may have resold the mod I did in ‘09 I hear these guys salivate for ARM’s it pobably got resold and was destroyed again….But if they still hold the mod note I signed does that supercede any chain of title questions?

    Oh and interestingly enough the 2nd mortgage which BOA assigned to it’s quasi-subsidiary revealed two Certificates of Satisfaction dated the same day but different times and signed by the same person with different notaries ( L Burton an Asst VP w/ BOA) but with obviosly different handwrittng. The CoS stated that the leins were released and paid in full 3 years ago. WOW ! I had to pinch myself …according to line 23 of my DOT win the sum is paid they will order the Trustee to release the lein. Is this just some accounting magic they did to get the loan off there books? As there was no assignment to anyone else and my servicer on my 2nd just sent me a reply to my QWR to them stating that BOA still owned the note. What the Frack! I am going to prepare a UCC challenge. Thank you Jesus! Could I be halfway there?

    On the securitization audit…I feel it’s really on the table for me to do one but if I take this judicial or to through the bankruptcy courts the audit will be some extra artillery to lay on ‘em. I’m not quite there yet and I heard that the audit will be meaningless without a sworn affidavit. You guys offer that service as well? Can you guys just offer a find the Trust service without having to swallow the audit although the probability is high that securitization is here but there is still a small probablility that it may not…..

  328. Comment by revolt — September 20, 2011 @ 3:22 am

    Tom D.

    Here’s some sugar for you we hope. Okay, you’ve done the best thing for now. You’ve sent a QWR dispute to them, which buys you time, and forces them to cover their buts legally by acknowledging receipt of your QWR within 20 business days of receipt, and providing the information requested, or an explanation as to why they can’t provide it within 60 business days of receipt. Did you use our “Notice Of Default Dispute Letter”, as it is very detailed and specific as to the law and its requirements?

    Believe it or not, in some cases they will slip up and reveal who the present lender, or holder of the note is. So, you’ll need to wait to see how they respond to your letter. Keep in mind, if you didn’t send a legally comprehensive letter, then they will ignore your QWR, claiming that it does not constitute a QWR, and they have no legal requirement to respond to it.

    Do as much research as you can with the county recorder’s office to see what you come up with. Let us know which state you are in, so we can better discuss your issues with you. Once you have exhausted your preliminary research, it will be up to you as to how far you go to protect your property, and whether or not you will want to order the securitization audit.

    However, with all do respect, if you’re not willing to spend $995.00 to save perhaps at least $250K home, then maybe your mindset is not well suited for this type of fight. We understand that you want to make sure that you do not spend money unnecessarily, but at some point the rubber will hit the road, and you’ll need to decide whether you’re gonna fight for your home with all of your might, or just let them take it from you. Only you can make that decision. We’re here to help.

    Admin.

  329. Comment by revolt — September 20, 2011 @ 2:46 am

    Tina,

    We are gratified that you have found our information to be helpful, and informative. That is what we aspire to accomplish. It would be helpful to know what state you’re in, as different states support different laws. However, you do not need to wait until they refile your foreclosure. File an Opposition To Their Motion To Lift Stay.

    You have to be careful depending on the state you are in, when using the produce the note strategy. Some courts will state that there is no requirement to produce the note, but practically all states recognize the law that requires the bank to establish that they are the holder in due course of the note, or have been authorized to enforce the note.

    Now, if you notice, this is a very sneaky, and suttle distinction. They may not have to produce the note, but they do have to prove that they are the rightful owner of the note, or have been authorized by the rightful owner to pursue foreclosure. In order for them to do this, they will have to show a chain of title, which leads to them having the right to enforce the note, which is almost the same as having to produce the note, but not quite. The law is complex. In other words, they will have to show the road that the note traveled to get o them, and this is practically the same as having to produce the note, only they will only be required to produce the history of the note, and that history could expose them.

    Anyway, file your opposition based on the fact that they have no legal standing to liift your stay, as they have not produced any evidence to establish that they are the holder in due course of the note, or that they have any rights to enforce the note.

    Also, file a motion for an evidentiary hearing, forcing them to produce their evidence, establishing that they have legal standing to lift your stay, and they will have to either produce the note, or a copy of the note naming them as the lender, or an assignment of the mortgage from the original lender, which transferred the rights of the holder to the bank, which is attempting to foreclose on the property.

    In some cases, it is better to fight them in the BK court, because the BK court is more geared towards protecting the debtor, and there is plenty of case precedent, which establishes that the bank must prove they have legal standing to lift your BK stay provisions. You must force their hand. Unfortunately, the attorneys get away with bloody murder, because homeowners do not posses the litigation experience to properly litigate their case. The banks know this, and count on this, and usually get away with it, even when they are totally guilty of fraud and misrepresentation, amongst other violations.

    As far as raising the argument that the bank never really lent you any money, that is an argument that is best suited in another forum. We say this because, it is best not to confuse the court. Most of these judges have to be educated. They are totally ignorant of most of the corruption that takes place, or complicit with it. You always want to keep your arguments as simple as possible. Remember, a confused mind says no.

    You simply want to keep the focus on making them prove they have legal standing to lift your stay. That is the critical element that they must prove in order to prevail in lifting your stay.

    Admin.

  330. Comment by revolt — September 20, 2011 @ 2:09 am

    Advocate,

    We understand that the fight is not for the faint of heart, but hang in there. Your only other option is to let them illegally steal your home, which we’re sure is not an option.

    Mediation can be a joke, if you’re not fully prepared. The key is to have your evidence on display, to let them know their chances of prevailing are slim to none, as if they don’t settle with you, you will air their dirty laundry in a court of law, and severally damage their professional reputation, and potentially expose them to statutory damages up to 3X’s the amount of the loan balance. If your evidence is strong enough, they will have to think about the risk they expose themselves to, vs. a cheaper way to settle the matter. Its all about the EVIDENCE!

    Hope you copied the information from the MERS website, as it was taken down because usually the banks want to keep the information secret, as they don’t want to reveal their corruption, and want to make it difficult to expose.

    However, if you have the name of the trust, you can pull the information via the 424 B5 Propectus, the Trust Agreement, and the Pooling And Servicng Agreement. Go to our link on the website entitled “HOW TO FIND YOUR SECURITIZED LOAN’S POOLING AND SERVICING AGREEMENT AND KILL YOUR FORECLOSURE CASE”.

    Admin.

  331. Comment by revolt — September 17, 2011 @ 7:16 am

    Val,

    The key here is to show that the chain of title has been broken, as evidenced by the lack of proper assignments. You need to have a securitization audit performed. You must have your ducks lined up before you go to court. You need to have all of your evidence, or as much as possible in your possession, so that you know you can prove your case when you get there.

    If we’re not mistaken, we believe you have the audit already. This should give you the roadmap that you need to connect the dots, or show how the dots were not connected.

    If you have the name of the trust, you can look them up through our website on how to find your securitized loan. Merger or no merger, they still have to show chain of title, which established that they are the holder in due course of the note, and real party in interest.

    Admn.

  332. Comment by revolt — September 17, 2011 @ 3:20 am

    Robert,

    Have him download our “90 Day Take Back Program”. It will take him step-by-step through the process of reconveying the title back into his name, and releasing the HELOC lien from the property title. The program will aso provide him with a document to be sent to the credit reporting agencies, which is a demand to remove the disputed item completely from his credit report.

    Admin.

  333. Comment by revolt — September 17, 2011 @ 3:15 am

    Jason,

    We sent you an email. Did you receive it? Please send your email to the customer support email address, so we can respond.

    Admin.

  334. Comment by advocate — September 16, 2011 @ 12:48 pm

    Back again…..from my research, it appears that mediation is pretty much a joke, and we will have to aggressively litigate if we want to prevail—-I will probably be back full force after we hear their ’settlement’ offer—-it’s just that the stress is literally shortening our lives–3 years of this. Ugh! By the way, a month or so ago, I followed your link to the MERS site to see the different notes on my property—and there were four—Bank of New York Mellon twice and back to Bof A as investor AND servicer. Strange thing is—I went back to that page a few days ago and and ALL the investor names were missing! What do you suppose happened?

    Thanks for all you do.

  335. Comment by Tina — September 15, 2011 @ 8:42 am

    I really enjoy your site, I think it provides an amazing vast amount of knowledge!I have a question pertaining to my bank which Im now fighting with The Produce the Note strategy.To give you a background: I have been to court because I had to file Bankruptcy to stop them in their tracks, and when in court the banks nominal agent/foreclosure atty could never give me copies in court of the original Promissory Note, and the Judge didnt enforce them to do so. Currently, Im waiting on the Stay to be lifted, and them to inititate foreclosure yet again. However this time, my response is for them to validate their debt. When I went to MERS I saw that my title didnt look transferred because there was only the Original lender. However when I read on your site, that lenders convert the note into cash which makes your contract null and void, and because of this in essence they never “loan” you anything, also they dont disclose this to you,which makes your contract, illegal, and fraudulent and can be cancelled. I believe Im fighting them based on the fact that they cant produce the Original note due to the fact they converted it. Do you think this is a valid means to show the lender doesnt have standing/interest!? If you’ve cashed a note, its no longer available correct? So therefore how does the lender have any connection with the house if theyve already paid themselves and borrowed money off my name/tranaction account from the Fed Reserve? Thank you for your time.

  336. Comment by Robert Caldwell — September 12, 2011 @ 3:46 pm

    It has been seven years since my client’s Chapter 7 was discharged. He has not paid on his HELOC since 2003. What can he do to have the HELOC released from his Arizona home and removed from his credit report?

  337. Comment by revolt — September 9, 2011 @ 6:05 pm

    Jason,

    Please re-send your email. We’re sorry if it somehow fell through the cracks.

    Admin.

  338. Comment by Jason — September 8, 2011 @ 4:47 pm

    Have you guys been receiving mail lately? I sent in a question regarding post – filing in another state.

    Thanks for checking.

    J

  339. Comment by revolt — September 6, 2011 @ 11:33 pm

    Bill,

    You need a Foreclosure defense attorney.

    Admin.

  340. Comment by Bill - Oklahoma — September 1, 2011 @ 8:22 pm

    Hello, I like the idea of recovering my home from the servicing mortgage firm due to securites fraud but would feel better with an attorney handling it for me (alibet at a higher cost compared to pursuing this action myself). My question is, what type of attorney would I seek out? Real Estate?, Foreclosure?, General practice?

  341. Comment by Val Lopez — August 29, 2011 @ 11:22 pm

    Here’s another question regarding World Savings Loans – are we able to locate the private trusts for these loans? The loans were private trusts. Wachovia and Wells Fargo are using the mergers as proof the loans were transferred from World to Wachovia to Wells Fargo N.A. In my eyes, I do note care about the mergers—my knowledge of real estate confirms that there should have been Assignments between the companies. I do not care of the FDIC or OCC says about the mergers—yet wells fargo insists that it owns the loans—-Do I again hire an expert witness to confirm the securitization and file the Securitization Law Suit? I have no idea how I would go about confirming the private trust. World Savings was good at hiding the securitization transaction.

  342. Comment by Val Lopez — August 29, 2011 @ 11:08 pm

    Thank You for the last feedback – I will be purchasing the Law Suit for Securitization Law Suit—is it best to file in Federal Court vs. State Court due to the fact that Securitization was based on NY Laws correct? or can I file in State court?

    —I have another question ( re: rental property) which I hope benefits many—I went to Freddie Mac’s website and Fannie Mae’s web site and found under i.e. FreddieMac loan look up that “Freddie owns my loan of a rental property”.

    Luminaq gave me a Securitization Research Commentary confirming that the loan was in fact sold to Freddie Mac and also Luminaq gave me the Offering Circular and the Mortgage Certificate Trust (MCT)which all likely hood has my loan.

    The problem is that the MCT does not specify and confirm my loan is in this trust. 1. How do I nail proof securitized if I am only getting “probably in this trust”? Wells Fargo claims it can explain why it reads FREDDIE MAC owns this loan. 2. How in the world can Wells Fargo N.A. explain away why Freddie Mac loan look up states Freddie Mac owns this loan? How can I tighten the lid on these fibbers? It so hard to compete against people who are experts at pulling the wool over everyone’s eyes – including the judge.

    In the BK Court, Wells Fargo N.A. robo law firm served up as evidence a “COPY” of the note that shows endorsements from GN Mortgage (CLOSED ITS DOORS April 2009) to Parent CO. of GN Mortgage —Guaranty Bank

    then Guaranty Bank to _______________ and Wells Fargo N.A. hand wrote their name in the blank. It looks suspect. Wells Fargo insists it owns the note—but MERS look up has Wells Fargo N.A. as the servicer; Luminaq designates Wells Fargo N.A. only as the servicer.

    Wells Fargo insists it owns the loan and was not securitized and that they can explain away why Freddie Mac web site reads ” Freddie Mac owns this loan.

    Other issues with this case–judge is ignoring my subpoena for accounting items, an evidenciary hearing which was granted back 3-15-2011 is getting brushed under rug, request for original note getting pushed away as well, Robo signer of Assignment of Deed of trust was suppose to be at evidentiatry hearing and also is getting swept under rug, Lynn Szymoniak Affidavit confirming the Assignment of Deed of Trust is fraud – no authority to file Asssign of Deed of Trust and signed Nov 2010 after BK filing and after GN Mortgage closed its doors are being overlooked. All was presented well and tabbed as exhibits in last opposition. Frustrating as I worked so hard on Opposition with Exhibits. Due Pro Se status, do I just have to scream loud via a Interlocutory Appeal to stop being treated as invisable?

    Lastly——-the lady who signed endorsement on behalf of GN Mortgage to the Parent company Guaranty Bank——-was in fact an employee of GN Mortgage

    the same lady endorsed the note from Guaranty Bank to Blank—–SHE WAS NOT AN EMPLOYEE OF GUARANTY BANK. 3. Could this fact cause the transfer to be defective – A Spoke in the Wheel? I have a company roster of GN Mortgage and I actually can contact this lady as I spoke with her. She was solely an employee of GN Mortgage.

    4. What can I serve up to nail the robo law firm? An expert witness on the Freddie Mac topic since the Offering Circular and Freddie MAC Mortgage Certificate is not able to be used as evidence? with an expert witness can I then use the Securitization Law Suit also- once I confirm fact with Expert witness?

  343. Comment by Tom D — August 29, 2011 @ 9:53 pm

    My loan orginator was National City Mortgage(NCM) back in ‘06 an intrest-only ARM. It was transferred to GMAC (my curent “servicer”} while in default back in’09. NCM has since gone out of business. MERS was not listed on my mortgage and no identifying REMIC-like securitized trust nomenclature has ever surfaced on my NoD or DoT. I know that both GMAC and NCM were equal opportunity participants/offenders in securitization, but how can I execute a real interest/standing strategy if I don’t know if my DoT is in some pool somewhere? I don’t want to throw away the investment on a securitization audit if there’s nothing there. In my research thus far I found no recordatiom in City Records of title transfer/assignment/or cert of satisfaction from NCM to GMAC. I also called the original trustee on my note and he did state that he knows that my mortgage was with NCM (but made no mention of the assignment to GMAC)—-when I asked him if he still was the trustee and if he held my note he gave me a very ambigious ” theoretically I do” he seemed very tentative and cautious in his reply. I suspected that the DoT/Promissory note was moved because when I was in default back in ‘09 the trustee was another local foreclosure mill lawyer and not the one I spoke with, the original trustee on my DoT. I just need to know for sure, before I drop a grand in a crap shoot, even if all the surface evidence is pointing there. I tried using your SECinfo tips to locate my loan and hit a massive info brick wall. I could go BK and list GMAC as an unsecured debtor and shift the burden on them to prove standing. But that will be a last resort….I just sent them a QWR dispute to my NoD and have yet to see a response (i’m hoping they come clean with a pool ID—very doubtful they would cough it up though) Little help from the blogosphere Pleazzeeee!!! With sugar on top…..

  344. Comment by revolt — August 29, 2011 @ 5:56 pm

    Val,

    You are stating that the Assignment Of Deed Of Trust was executed after the trust cut-off date, but you also indicate that you do not actually have the Trust Agreement, or Pooling And Servicing Agreement. If you do have these documents, and are sure that the Deed Of Trust (DOT) was assigned after the cut-off date, then yes, you have a solid case for Securities Fraud, and can file suit using our “Securities Fraud Lawsuit” against the bank, using your evidence of a defective assignment as one of the merits for your case.

    If you need information on how to look up your Securitized Trust, read the article on our website entitled: “HOW TO FIND YOUR SECURITIZED LOAN’S POOLING AND SERVICING AGREEMENT AND KILL YOUR FORECLOSURE CASE!”.

    Admin.

  345. Comment by Val Lopez — August 29, 2011 @ 10:50 am

    Loan closed 11-2005 Countrywide origination.

    I filed BK 11 9-10-10.

    BofA filed Assignment of Deed of Trust on Behalf of Bank of New York Mellon In Nov 2010.

    The robo law firm states they represent trust—-and I understand I need to ask for agency agreement.

    Do you think the Bank of New York and Mellon and BofA agreed to work together on agreeing to say the trust owns or has agency for all the investors?

    The point is that the DOT was never assigned till 11-2010. No transaction took place on 11-2010 and it missed the cut off back in 2005 or beginning of 2006.

    In this case, I should just file a Securitization Law Suit to keep it simple – I am in CA. If I file this law suit, I need to make sure I file in Federal Court right? Securitization Law Suit will not be accepted in State Court. Right?

  346. Comment by revolt — August 26, 2011 @ 6:39 pm

    Holly,

    This means your loan has been securitized, and is allegedly owned by the LaSalle Investment Trust. When your loan was sold to an investment trust, it was done so for the purpose of illegally converting your promissory note into unregistered securities. Those securities could then be sold to thousand of investors around the world, effectively multiplying and illegally converting your promissory note into thousand of securities certificates.

    You need the full name of the investment trust to pull the 424-B5 Prospectus, the Pooling & Servicing Agreement, and Trust Agreement. click on the link from our site entitled: “HOW TO FIND YOUR SECURITIZED LOAN’S POOLING AND SERVICING AGREEMENT AND KILL YOUR FORECLOSURE CASE!”. Follow the instructions on how to locate information on the trust. The article provides the links you need to acquire the information. You should also review our article entitled: “The Wall Street Scam: Securitization Is Illegal”, and download our document “Securitization A Thru D”.

    These articles will educate you about the securitization process. Once you have educated yourself about the process, you may want to download our “Securities Fraud Lawsuit” document, and sue your lender for the fraud they have committed, and for illeglly securitizing your loan. All of the legal arguments and authorities are included in the document, you just type in your personal information, and its ready to be filed with the Court.

    Admin.

  347. Comment by Holly — August 26, 2011 @ 2:34 pm

    B of A tells me that ” LASALL MFFFMLT 2007-4, INV 746 ” is the owner/investor of my loan. Is this a security? If so I cannot find it on the SEC website. Would appreciate and info you can give me.

  348. Comment by revolt — August 24, 2011 @ 1:16 pm

    Diane,

    Do not seek out a real estate attorney. You need to seek out a foreclosure defense attorney specifically, who may have a real estate background in addition to foreclosure defense.

    Admin.

  349. Comment by revolt — August 24, 2011 @ 1:07 pm

    Diane,

    If fraud was involved in your foreclosure origination, and it is in almost all foreclosure cases, then there is no statute of limitations on fraud. Meaning, there is no time limit on the legal remedies you may have, in order to pursue a lawsuit against the bank.

    As it relates to your foreclosed property, if your foreclosure was a judicial foreclosure, you may be able to file a Motion To Vacate The Sale. You usually have a year to do so, but that time limit varies from state to state. Check your Minnesota Rules Of Civil Procedure. If it was a non-judicial foreclosure, you will need to file a civil complaint against the bank to recover your property. Our records reflect that Minnesota is both a judicial and non-judicial foreclosure state.

    As for what bank you need to go after, that would be the bank that foreclosed on your property. In some instances, you you may be able to go after the original lender as well. If Duetsche Bank is your lender, then it is very likely that your loan was securitized. In that case, you can instantly download our “Securities Fraud Lawsuit” to sue Duetsche Bank for their illegal securitizaton of your loan. Read the article on our website: “The Wall Street Scam: Securitization Is Illegal”.

    Admin.

  350. Comment by Diane Smith — August 23, 2011 @ 1:44 pm

    I would also like to add…I am in search of legal representation, I don’t know if I can do this myself. Can anyone tell me exactly what kind of attorney to seek out?

  351. Comment by Diane Smith — August 23, 2011 @ 1:43 pm

    Hi! Sorry I have not gotten back til now. My main concern is this as far as my foreclosed property goes in MN. I know there was kind of bologna going on, I could just never quite place exactly what it was. I have done a considerable amount of reading since I last was here and realized our whole ordeal was bogus. Is the time that has lapsed going to affect me bringing action against the bank? What bank do I go after? Deutsche Bank? Thank you for your response!

  352. Comment by revolt — August 16, 2011 @ 11:14 am

    Advocate,

    You are very welcome. Keep us informed of your progress.

    Admin.

  353. Comment by advocate — August 16, 2011 @ 8:01 am

    Yes, Net Present Value. Thank you for the advise. I will go to the County Recorder’s office ASAP, and request my attorney direct BofA to produce the promissory note or an assignment of the trust deed from Countrywide.

    You folks are a beacon of light in an otherwise foggy world of bank double-talk and outright lies….thank you again.

  354. Comment by revolt — August 15, 2011 @ 10:51 am

    Howard,

    As you can verify, we responded to your blog back on 7/30/11. In that blog we asked for you to provide us with information, so that we could evaluate what foreclosure defense strategies were available to you. To our knowledge, we did not receive the requested information.

    We have also sent you an email to your address indicating the same. So, we await your response.

    Admin.

  355. Comment by Howard — August 15, 2011 @ 9:10 am

    Hello Revolt

    In reading your recent posts, it is good to see that you guys are still kicking. I know you had indicated a couple of weeks ago that you would be getting with me regarding my specific situation here in Florida. Thusfar I have not heard anything. You did indicate that you were busy, which is understandable, however time is of the essence and I need some direction and/or options. Per your suggestion, I have sent several emails to you with my specific circumstances in hopes that you can advise and help me. As you know, I have personally spoken with numerous attorneys most of which tell me the same thing, ie. they can definitely provide foreclosure defense to keep me in my home, but to obtain clear title is difficult, All of them tell me that while possible and the fact that it has occurred, it is in less than 5% of the cases. So, if you know something they dont, and have a legal approach or technique I certainly would like to know it,..as well as all who read these posts.

    Thanks
    Howard

  356. Comment by revolt — August 13, 2011 @ 7:09 pm

    Advocate,

    What is NVP? Do you mean NPV, Net Present Value?

    Admin.

  357. Comment by revolt — August 13, 2011 @ 4:07 pm

    Advocate,

    Yes, that is a nightmare. We are sorry to hear your horror story, but unfortunately you are not alone. It is a story that has been similarly played out tens of thousands of times to homeowners all over the counrty.

    Although the grounds for your lawsuit are obviously based on predatory lending, you might be better served to investigate whether in the transition from Counrtywide to BoA, the proper paperwork was transferred. In other words, it is very likely that BoA may not be able to produce the promissory note, or an assignment of trust deed establishing that they even own your mortgage.

    This may be a quicker, and more simple argument to make, as if they cannot produce the evidence of ownership of the mortgage, they have no legal standing, and cannot establish that they have any security interest in your property. In that case, the court would have to remove them from the title, leaving only you on title, owning the property free and clear of any mortgage.

    Direct your attorney to propound discovery (a demand for evidence from the bank) and make them produce the original promissory note, and /or an assignment of the trust deed from Counrtywide to BoA, showing the proper chain of title to establish that BoA has any security interest in your property.

    This will force them to show their hand. It is very likely that your loan was sold on the secondary market, or even securitized, before BoA took over Countrywide, and if so, BoA more than likely will not be able to produce the documents required in order to prove they even own your mortgage. If not, your problem is solved. No modification necessary. You get the house back with no mortgage, and no more mortgage payments.

    You can counter sue BoA for statutory damages in the amount of 3X’s the outstanding loan balance, and move on with your life with some cash, your home, and some peace of mind.

    First place to start your investigation is at your county recorder’s office to see what documents have been filed on your property. A record of all changes of title should be recorded there. Each time your property changed hands, or a new loan was placed on the property, a record should have been recorded.

    After that, you may want to order one of our Securitization Audits. It will provide you with a chain of title, showing each and every entity involved with the securitization of your loan. This provides you with potentially powerful evidence, because once you know exactly what road your mortgage traveled, you’ll be able to expose the bank for its potential fraud in its alleged attempts to modify a loan it does not own, or its attempt to foreclose on a mortgage it does not own.

    Hope this is helpful.

    Admin.

  358. Comment by advocate — August 13, 2011 @ 2:54 pm

    I forgot to add: we were accepted into the HAMP program, and promised a permanent mod after three months—it went eight months, and we were kicked off due to NPV……we were on the program from March, 2010 through October, 2010.

  359. Comment by advocate — August 13, 2011 @ 11:22 am

    Thank you for your reassurances—believe me, after three years now, this is more than a nightmare, it has literally exacerbated our medical symptoms which causes our disabilities. We are suing because we needed funding to re-build a big portion of our home, which was sinking and giving way to rot. We tried HUD, The Rural Housing Program, and a local low-income, disabled oriented company, Umpua Housing. (We live in Oregon) A mortgage broker told me to call Countrywide—-and despite being clearly informed of our fixed income status, they submitted documents to their underwriter grossly inflating income and assets. Grossly. They also told me that they would fund the project, but it would be ‘a little different’ from traditional mortgages—they made us come back on four different occasions for more funds, each time writing a new mortgage. But, when our project was finished, we were promised that our loan would be modified back to what we were paying, which was about 31% of gross income.

    By the time the fiasco was over, we were at 68% of gross income. So, Countrywide then refused to honor their commitment to modify—this was in November 2008. They told me that BofA was handling everything and to ‘get in line’ with everyone else. They also told me that I needed to default before they could help me.

    We were fortunate to obtain the services of a Portland based firm handling disabled clients—-but they are swamped—but bless them, they are trying as hard as they can.

    Thanks for your interest.

  360. Comment by revolt — August 13, 2011 @ 12:26 am

    Advocate,

    Thank you so much for your compliments on our site. We are gratified that it has been of some assistance to you. Let us know what state you’re in, so that we may be of further assistance.

    Congratulations on your favorable ruling on the motion to dismiss. Now the bank will be forced to produce their evidence, which they most likely cannot do, or settle the case. What evidence do you have against the bank, and what is your stated reasons for suing them?

    We understand your fear, as for most homeowners, this is unchartered territory. However, We believe that most of the fear comes from not knowing what to expect, and the lack of knowledge of the law and court procedures. Once you arm yourself with the knowledge required, you will find that your fears will be significantly diminished. In fact, you will become empowered, confident, and ready to fight your mortgage WAR and WIN!

    Read as much information as possible from our site, and others. We have tried to cover the more salient, and pervasive foreclosure issues of the day. Keep us informed about the status of your case, and we will do our best to at least help you understand the legal process, what to expect, and how to put the bank on defense throughout the litigation process.

    Stay strong. The truth is on your side. You can do this. The fact that you filed your suit, lets us know that you are already stronger than you realize. Its time for us all to stand up and REVOLT!

    Admin.

  361. Comment by advocate — August 12, 2011 @ 4:59 pm

    Hello,

    Never have I been so impressed with such salient and abundant information! We may need your services as our attorney is inexperienced, and we are Plaintiffs (a disabled couple) against Countrywide/BofA,Recon, and Freddie for graudulent loans—-the judge denied their motion to dismiss, and I guess we are headed to mediation, scared to death. Thanks again for the great site!

  362. Comment by revolt — July 30, 2011 @ 7:57 pm

    Howard,

    We will be in contact with you soon! We have been extremely busy, and just recently have undergone a revamping of our computer systems, and we have been under constant attack from entities that don’t want us disseminating the information which exposes The Wall Street Barons, The big banks, and the politicians who have been bought and paid for by the banks lobbyist.

    You mention you have contacted over 17 attorneys. Have you spoken to all of them personally? Have they reviewed the merits of your specific case? We cannot speak to the comments that they have made about foreclosure defense, as there are too many variables that may have shaped their opinions, and each case is very specific and different from another case. Therefore, we will have to leave it up to you to make your own judgments about the attorney’s comments.

    Please send an email to our csrevolt@earthlink.net address, outlining what you feel our the merits of your case. In otherwords, if you were to sue the lender to defend against a foreclosure, on what basis would you sue. Did they commit any fraud in the original mortgage origination of your loan? Do you suspect that they cannot produce the promissory note to establish they have any legal standing upon which to pursue foreclosure? Do you suspect that your loan has been securitized? Do you suspect that any documents were forged or fabricated. If so, what evidence do you have to support your suspicions, or allegations?

    The bedrock of all litigation is the evidence. The determining factor as to whether you can obtain clear title is based on the evidence you produce. Have any of the 17 attorneys you’ve spoken with offered to take your case, and represent you? Its all about the evidence, evidence, evidence! We look forward to receiving your email.

    Admin.

  363. Comment by Howard — July 24, 2011 @ 6:59 pm

    Hello

    I dont think it appropriate to provide attorney names in the public forum. I will do so in a private email to you. However, I have sent you two emails already to which I have never heard a response, and I was responding too your request to send some information to you privately. Naturally, I would be most interested to learn of any local attorneys who can handle my case. Additionally I would like to know their track record in 1)foreclosure defense and 2)cases in which they have achieved clear title. I agree with you that one has to be persistant and do their due dilegence. Believe me, I have contacted over 17 attorneys and the majority are well known and have been in practice for a period of time. Without exception they have confidence in foreclosure defense but draw the line at obtaining clear title. They said that in their collective years of experience, they know of less than half dozen cases out of hundreds in which a “free house” has been achived. So…if you can point me in a specific direction ie. an attorney that has successes in this area, I would obviously be interested!
    Howard

  364. Comment by revolt — July 23, 2011 @ 6:03 pm

    Howard,

    Please provide the name of the attorney, so we can determine his credibility to speak with authority on the subject. One must understand that just because an attorney says something, it doesn’t necessarily mean he’s correct. We are working with an attorney in Florida, and she has been blown away with our knowledge of foreclosure defense law. She has stated that she doesn’t know any attorneys that possess as much comprehensive knowledge as we have on foreclosure law, and she is learning a great deal from us.

    We are also working with the former Florida attorney general attorneys who were actually responsible for blowing the lid off the robo-signing scandal with many of the major banks, and who received the biggest settlement in Florida history from a law firm, Marshall C. Watson, in there fraud investigation of them, and who were primarily responsible for putting the law firm of David J. Stearn out of business. through investigating that law firm’s fraudulent activities in forging documents.

    Based on our knowledge, and our relationships with attorneys who have been squarely in the middle of the bank fraud, and robo-signing scandals, we respectfully disagree with the opinion of the attorney you cite in your comments.

    Has he produced any validated statistics to back up his assertion that “the lender has come up with the note in 99% of the cases”. Did he factor in whether the note that the lender produced was fraudulent, or not? Did he factor in whether those cases in which he claims the lender came up with the note, whether those cases were overturned by the appellate court?

    There is just too much evidence to the contrary. read the Florida Attorney General’s report “Unfair, Deceptive and Unconscionable Acts In Foreclosure Cases”, on what happens to the notes when a loan has been securitized, and the cases that have been overturned by the 2nd Appellate Court, when the assignments of mortgage have been submitted in cases. These assignments are submitted because the lenders cannot produce the notes. Additionally, in the state of Florida, many of the banks attempt to produce a copy of the note, which is inadmissable evidence under the Florida Evidence Code Section 90.953. Did he factor that in as well when he made his arbitrary statement?

    We caution all of our readers, subscribers, and bloggers on this blog to always do your own homework, and don’t just take someone’s word for anything, not even an attorney, because not all attorneys are as knowledgeable as society would have you believe. Don’t take our word for it either. You are all intelligent human beings with the capacity to research the information, and draw your own conclusions, and not just accepting the conclusions of others.

    You can choose to believe the attorney you spoke with, and feel defeated as if there’s no way to win against the banks, or you can do your own research and see for yourself the cases where homeowners have defeated the banks, some of which are posted on our website.

    Look, fighting for your rights will not always be easy, but your only alternative is to let then take your home away from you. Lose your home, or go down fighting for it. Which one do you choose? The choice is yours!

    Admin.

  365. Comment by revolt — July 23, 2011 @ 5:21 pm

    Howard,

    We agree with you about the statute of limitations regarding the TILA Rescission Notice, but we disagree that the rescission notice is the motivation behind submitting a QWR. It appears that you do not actually have a clear and in depth understanding of the legal provisions, and final ramifications of filing these documents.

    This is understandable, as you would need a legal background to fully understand the process. One does not file a QWR in order to achieve the right of rescission. To follow this line of though will only serve to confuse you moving forward.

    Admin.

  366. Comment by revolt — July 23, 2011 @ 5:12 pm

    Holly,

    The fact that you have received a previous loan modification in no way will effect your ability to utilize our process. As long as you have the time to implement the program, you’ll be just fine.

    Admin.

  367. Comment by revolt — July 23, 2011 @ 5:06 pm

    Diane,

    Our records indicate that Minnesota is both a judicial and non-judicial foreclosure state. A judicial state requires the lender to file a foreclosure complaint in a judicial court in order to foreclose on the property. A non-judicial state does not require the filing of a complaint with the court. It allows for an appointed trustee to initiate a foreclosure process, and then at the end of that process, conduct a trustee sale of the property. The non-judicial foreclosure process is a much faster, and easier process for the lender to conduct a foreclose sale on a homeowners property.

    Admin.

  368. Comment by revolt — July 23, 2011 @ 4:50 pm

    Diane,

    The assignment of mortgage means your loan was securitized. Securitization is a process by which the lender sells your mortgage, and then it is placed into a pool of similar mortgages together, in order to sell the entire pool of mortgages to investors all over the world. Read our website, which will provide you with more in depth information about securitization. An assignment means that one entity (the assignor) is transferring the rights to enforce the instrument to another entity (the assignee). It creates a chain of title to keep track of the road that your mortgage has traveled, and who was involved with all of the transactions.

    In your case, the Duetsche Bank National Trust Company is claiming that through the assignment presented, the rights to enforce the provisions of your mortgage, including foreclosure, were transferred to them. In most cases you can show that the assignment was either fraudulent, or invalid, and should be voided.

    Your loan has been securutized, which is a process which has now been discovered to have been illegal. You should acquire copies of both the 1st, and the 2nd corrective sheriff certificate, and all other documents that the county recorder has related to your property. The fact that they needed to make corrections to the documents, could indicate foul play, and if you acquire those documents, and they prove to show that the alleged lender failed to follow the laws regarding foreclosure, you can use those documents as definitive evidence of possible fraud committed by the bank, which by the way, is very typical behavior of the banks.

    Nevertheless, you can file a Securitization Fraud lawsuit against the bank, and if you prevail, you can receive 3X the remaining loan amount on your property as statutory damages, plus possible punitive damages as well. We have our “Securities Fraud Lawsuit” available for instant download directly from our website NOW!

    Since you confess that you “don’t know alot about this kind of stuff”, we recommend that you begin to educate yourself, if you intend to pursue the bank with a lawsuit, in an effort to either retrieve your property, or receive monetary damages from the bank for committing a possibly fraudulent foreclosure of your property.

    Don’t be fooled into thinking that because you didn’t pay your mortgage, you don’t have any rights. You do have rights, even if you didn’t pay your mortgage on time. Under the law, the bank must prove that they own your mortgage, which gives them the right to foreclose on your property. Until they produce the evidence that establishes their right to foreclose, under the law they have no rights of foreclosure.

    In case you haven’t heard recently, many of the major banks, such as JP Morgan Chase, Wells Fargo Bank, GMAC Bank, and Bank Of America, have all been found guilty of forging and fabricating documents, in order to prove ownership of mortgages, that they really didn’t own. That is why homeowners must take nothing for granted, and check all documents filed during the foreclosure process, as you will most likely find fraudulent documents that will allow you to sue the bank for damages.

    Our site provides you with a wealth of information. You have to do the work if you’re serious about fighting for your rights. We wish you the Best with whatever you decide to do about the possible injustice.

    Admin.

  369. Comment by Diane Smith — July 21, 2011 @ 8:40 pm

    My house was located in the city of Saint Cloud in Stearns County Minnesota. I believe it was a non-judicial process that was used (not 2 sure tho) my husbands co-worker mentioned to my husband he saw it in the paper.

  370. Comment by Diane Smith — July 21, 2011 @ 8:28 pm

    I lost my house in November 2007. I had similar problems, today I was curious and called the county recorder where the property was located. On my notice of foreclosure sale it says on the front page:

    Assignments of Mortgage: Assigned to: Deutsche Bank National Trust Company Dated: August 23, 2007

    What does this mean? Originally our mortgage broker had us financed through Accredited Home Lenders…although we could not understand why we did not qualify for a prime rate, we had decent credit. About a month after we re-fid through Accredited (Original loan was through Wells Fargo, and VA guaranteed) we received notice that Chase Home Finance would be servicing our loan.I had never heard of this company (Duetsche Bank National Trust Company) until I got this specific paper. The county recorder told me they submitted a 2nd corrective sheriff certificate, that was recorded June 11, 2008. She appeared puzzled and could not explain why their were two different ones because it appeared that nothing had changed. Shortly before we lost our house we tried to short sell it. We had a couple of offers in the first week. It sat in the loss mitigation dept while an offer waited with no response for a month or so. We always felt the appraiser over inflated the appraisal, but we trusted her. Can someone please point me in the right direction. I don’t know alot about this kind of stuff and any help would be greatly appreciated!

  371. Comment by Howard — July 19, 2011 @ 11:56 am

    Hello

    I would like to thank Revolt for this opportunity to share vital information. Things can be very disspiriting in our collective efforts to not only prevent foreclosure but achieve clear title. As many of you know from my prior posts, I am expecting to be hit with a foreclosure suit very soon and in that regarding I have been trying to develop a plan of action. In doing so I had the opportunity to speak with a south Florida attorney who is considered a leader in foreclosure defense. I spoke with a leading foreclosure attorney today, and in part of our conversation he indicated that in his years of defending foreclosure cases, the lender has come up with the note in 99% of the cases and in so doing they proceed along rather unhendered in their efforts to foreclose. Natually this was a disappointing suprise to me as the centerpiece of our collective defense has been their INABILITY to produce the note. This attorney indicated that in some cases it does take some time, i.e. many months, but in the end, they do come up with the note. Not good news. Still looking for some help here in Florida

  372. Comment by Holly — July 19, 2011 @ 10:48 am

    I had my mortgage modified through NACA( one of the lucky few ) back when it was still with First Franklin. I don’t know if they were part of Merrill Lynch when this took place, but I know the mortgage has since been moved to BOA. Will this process still work for me. Is it possible or probable that the mortgage was securitized again after the modification?

  373. Comment by Howard — July 19, 2011 @ 5:03 am

    Hello

    Yes…I agree concerning the statute regarding fraud, however, what I was referring to was directly related to the Right of Recission relative to TILA and Reg Z violations which has generally been the motivation behind submitting a QWR, i.e. to achieve the Right of Recission. For this specific tactic, the statute of limitations is limited to three years from the initiation of the loan. This ruling does not apply to other aspects of fraud. I am still trying to research how the use of QWR and filing of subsequent documents with the court is helpful outside the scope of TILA and Reg Z

  374. Comment by Steve — July 17, 2011 @ 7:17 am

    Howard,
    The fraud and Recovery act of 2009 extended the statue of limitation for mortgage fraud from 5 to 10 years according to what I’ve read. I also don’t know the applicability to our state laws,but our state gov. usually and federal gov. are usually in compliance with one another.

  375. Comment by Holly — July 17, 2011 @ 5:54 am

    Thank You

  376. Comment by revolt — July 16, 2011 @ 3:48 pm

    Holly,

    At this time, you are responding to the Notice Of Acceleration (default). Pursuant to the FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C SECTION 1692, AS AMENDED, you are exercising your right to dispute the debt. Your dispute letter is in essence also a form of QWR, in that you are requesting information in addition to your dispute. The FAIR DEBT COLLECTION PRACTICES ACT provisions also work very similar to the QWR, in that the debt collector is required to provide you with specific information regarding your dispute. Therefore, it is not necessary at this time to send a QWR, as you are essentially already doing that by sending your dispute letter.

    Send your dispute letter, and wait to see how the bank responds to your dispute. You can always file the QWR later if necessary.

    Admin.

  377. Comment by Holly — July 16, 2011 @ 3:20 pm

    I have purchased the “notice of default dispute letter”. Since it states that ” the lender has failed to state the name and address of the holder in due course” do I not need to send a QWR first, as I have not asked for the name and address of the holder as of yet? Thank you for your response.

  378. Comment by revolt — July 15, 2011 @ 9:18 pm

    Howard,

    You must be careful here, as the statute of limitations on the TILA rescission is 3 years from the loan origination, but that is different from common law fraud, which runs from the time the fraud is discovered. Acts of fraud taint/void everything it touches as the US Supreme Court has declared: “There is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments.” (United States v. Throckmorton, 98 U.S. 61)

    So, just because the statute of limitations for rescission is 3 years from the loan origination, does not mean that the statute of limitations for fraud is 3 years from the loan origination. Therefore, you may still have the additional time to raise a complaint based on fraud, which could still void a mortgage contract.

    As such, the particular case you cited does not necessarily negatively affect the administrative process. Also, it is very important to note that these matters also are dependent upon how you administered the administrative process. It should also be noted here that you administered your own administrative process, or one different from ours, and you did not use our specific process, so we cannot speak to how the case that you cited will affect your administrative process. However, we can say that with our process, the case you cited would have no deterrant affect on our administrative process.

    Admin.

  379. Comment by revolt — July 15, 2011 @ 8:55 pm

    Howard,

    It is very sad the level of corruption that is so pervasive in the judicial system, but we must continue to fight back, and slowly but surely try to dismantle this corrupt system.

    Admin.

  380. Comment by Howard — July 15, 2011 @ 8:52 pm

    Good to hear from you….thanks for the info….also of interest which many people do not know is that with the demise and disgrace of David Stern, like weeds, another foreclosure mill has popped up in Stern’s place. As a matter of fact, many of his employees have migrated to the infamous Shapiro, Fishman and Gache. Interesting to know that Gache has been a recent addition to provide some credibility to this firm. Also of interest, Gache is the former asst. attorney general for Florida….hmmmm! As if this isnt enough, the former chief judge for Broward County, recently retired, has joined the same firm….hmmmm. Oh, and he was a aggressive foreclose on them type of judge. Most interesting!!!!

  381. Comment by revolt — July 15, 2011 @ 5:46 pm

    LaSandra,

    We will need to get some definitive information from you regarding the status of your case, so that we can make the proper recommendations regarding which documents you may need at this time. We also have affiliations with Florida attorneys we may be able to refer you to.

    Let us know what would be a good time to contact you.

    Admin.

  382. Comment by revolt — July 15, 2011 @ 5:39 pm

    Howard,

    Your post were not deleted. We apologize for our busy schedule, as our staff has been on the road litigating in 3 different states on the cases we are representing. We hope you’ll understand, and exercise some patience when we are not able to respond as expeditiously as we might like to, as we are a small grass roots organization, fighting for the little guy, and have limited staff at times to respond as quickly as we would like to.

    As for the help you requested, we will send you an email requesting information and documents, which will help us evaluate your foreclosure defense situation. The good news is that we are in talks with the attorneys who were forced to resign from the Florida Attorney General’s Office, because they were responsible for exposing the bank fraud, and Robo-Signers, which were hired to perpetrate the fraud.

    They were largely responsible for the demise of the attorney David J. Stearn, and received the largest Florida settlement of a law firm, Marshall C. Watson, PA., in the states history. It is our hope that we will be able to utilize their services for our client who may desire to sue their lenders for fraudulent foreclosures.

    However, as for your case, we need to get a clear picture of the status, and the evidence to see how we may be of assistance. Thank you for your patience and understanding.

    Admin.

  383. Comment by revolt — July 15, 2011 @ 5:24 pm

    Holly,

    You are very welcome. We’re glad you found us.

    Admin.

  384. Comment by revolt — July 15, 2011 @ 5:20 pm

    Hello Holly,

    As NC is a non-judicial state, it is easier for lenders to initiate, and get away with possible fraudulent foreclosures, so you must be very diligent with your responses to all documents you receive from the bank, or loan servicer.

    The notice to accelerate is the same as a notice of default. As you describe, it appears that your loan has been sold several times, and it is likely that your loan has been securitized. Although each state has its own specific laws regarding the foreclosure process, federal laws regarding foreclosures, or debt collection efforts are applicable to all states.

    under the FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C SECTION 1692, AS AMENDED, you have a right to dispute the debt within 30 days of receipt of the notice of acceleration, or default. It is important that you exercise your legal rights to dispute the debt, and demand validation of the debt. Once you have disputed the debt, all debt collection activities must cease and desist until the debt collector (the bank) provides you with specific information requested through your dispute. Mainly, they must validate the debt by providing you with the name and address of the present alleged lender, pursuant to the Helping Families Save Their Home Act Of 2009, which was signed into law by President Obama on May 20, 2009, establishing the right of a property owner to know who owns the mortgage, and documents verifying they own the debt.

    Therefore, we highly recommend that you download our “Notice Of Default Dispute Letter” for non-judicial states, and send it to your loan servicer ASAP. This will stop all collection activities until they provide you with validation of the debt, which in their case may be quite difficult, as the loan has apparently changed hands several times.

    This will give you time to acquire the “90 Day Take Back Program” and implement it. Once they provide you with the requested lender information, you will then be able to perform a Securitization Audit, and definitively determine if the entity who is attempting to foreclose on your property actually has any legal rights to pursue foreclosure.

    Yes, BofA has already been sued by the Arizona Attorney General’s Office for their blatant violations regarding providing loan modifications to homeowners. They will make more money by foreclosing on you, so they truly have no incentive to modify your loan. Read our website on this issue. Yes, the value of the property may have some bearing on whether the bank might want to pursue foreclosure, but there is no way to know for sure.

    So again, we recommend that you start off by disputing the Notice Of Acceleration, and download our “Notice Of Default Dispute Letter”, as this letter exposes the bank, and puts them on notice that you are fully aware that your loan has been securitized, and in that process the original trustee was replaced by a newly appointed trustee for the investment trust entity. Therefore, the trustee, which sent you the notice of acceleration has no authority to conduct a trustee sale.

    The letter also asserts that there is no delinquency or default, because the original lender has already been paid in full, that the lender no longer owns, or controls the promissory note, and that the loan origination was fraudulent. This is a very powerful document, which puts them back on their heels, places you on offense, instead of defense, and buys you additional time to gather further evidence to defend your possible fraudulent foreclosure.

    Admin.

  385. Comment by Holly — July 14, 2011 @ 2:34 pm

    Hi! Thank you so much for making this information available. I am in NC.
    I am about 45 days behind on my mortgage payments. I just received a “notice to accelerate”, is this the same as a “notice of default”?
    My original lender was First Franklin( a sub-prime lender), they were bought by Merrill Lynch who was of course bought by BofA. BofA is a nightmare to deal with but I am up for the fight. Would the value of the property have any bearing on whether or not the bank may take legal action? I own a very small condo, tax value 79K, mortgage amount 91K, with similar units selling (very slowly)for about 61K. It may take me a few months to save up for the “90 day take back program”, in the meantime should I start with the QWR? If so, which one? I am very excited to get started. Thank you again.

  386. Comment by Holly — July 14, 2011 @ 1:43 pm

    Thank you so much for making this information available. I am very excited to get started.

  387. Comment by Howard — July 14, 2011 @ 9:27 am

    Hello…

    Well I see that my posts asking for help, which you offered, have been deleted. Hmmmm. Anyway, life goes on. I have found out something which should be of interest to everyone determined to use the administrative process and recission in their battle against the banks. Many people, myself included, had been under the belief that the statute of limitations was three years from the date when the fraud was discovered. However, there is a Supreme Court ruling which states that the statute of limitations runs from the date of the loan. This is a major game changer for many people. In my case, my loan (refi) was from 2005. In my original understanding, I still had a couple of years to take advantage of this process inasmuch as I discovered the fraud last year. However, since the Supreme Court has ruled that the time period runs from the date of the loan, my situation is several years outside the statute of limitations. So, unless your loan has been initiated within the last three years, the administrative process for the puspose of recission will be of no use to you. For your information, the case involved in this decision which you can look up is Beach v Ocwen Fed. Bank 523 U.S. 410
    Howard

  388. Comment by LaSandra Thompson — July 6, 2011 @ 5:52 pm

    Hello,
    I have been in foreclosure since 2008, I have file a Counterclaim
    on Deutsche/Ameriquest/Law M.C Waton/AHMSI May 11,2011.FRAudelent Assigment of Mtg-2
    I had representation as of June 28, 2011 counsel withdrawn from my case- Jacksonville Area Legal Aid, Judge rule in her favor.because of irreconible difference.
    I sent a QWR to AHMSI and she stated that I was wrong! ha I would like to know what attorney do you all recommend Duval-Jacksonville, Fl or can you’ll advise me what material to puchasein my case!!!

  389. Comment by revolt — June 28, 2011 @ 1:53 am

    Howard,

    For your privacy, you can opt to send the mortgage information directly to our email consultation address at csrevolt@earthlink.net.

    Admin.

  390. Comment by revolt — June 27, 2011 @ 9:29 pm

    Howard,

    We would never refer you to an attorney interested in just doing a loan modification. That would just be throwing you back into the lion’s den. The law firm would be in it for the statutory and punitive damages. This is what would make it worth their time to represent the case, not a loan mod.

    You probably need a securitization audit to get to the bottom of what road your loan has traveled. We can provide one at your request.

    However, you have the perfect scenario in which to pursue quiet title litigation against the bank, and put the final nail in their coffin, but if you like things the way they are, then that’s okay too.

    What was the outstanding loan balance on your mortgage, when you first stopped making payments on your loan? Who was your original lender, and has your loan servicer changed from the time you first originated your loan?

    Admin.

  391. Comment by Howard — June 25, 2011 @ 1:51 pm

    Hello Revolt

    My wife filed alone due to a lot of credit card debt. I did not file. In Florida when filing bk you must list everything but can choose to dispute any debt you wish. We disputed the mortgage which in terms of the law means that eventhough bankruptcy was filed, we, of in this case my wife, is not admitting or acknowledging the mort. We are, of course, happy that we have not heard anything from our lender. That is why I have been considering executing an O&E to see what the status of the title is. I am a little confused however, because I assume that the O&E would essentially reflect what is on file with the court which is public record. This shows our filing of the QWR, Notice of Recension, Removal of Power Attorney, Removal of Trust, etc etc. There is nothing in there showing anything relative to a prom. note. It shows the original mort docs from WAMU six years ago, but again, no prom. note or title etc. So, that is my story in a nutshell. Again, I am not complaining, but since “they” appear to be doing nothing, I would like to consider taking the offensive if by doing so my chances or prevailing, especially with clear title have a good shot. Naturally, any suggestions or help you can provide would be greatly appreciated….especially if they have a very good track record. Unfortunately here in Florida there are tons of attorneys who claim to be foreclosure experts, but in reality they concentrate on loan modification negotiations…..I am not interested in that.
    Thanks again
    Howard

  392. Comment by revolt — June 25, 2011 @ 9:56 am

    Howard,

    We are very familiar with Florida foreclosure law, as we are presently litigating 2 cases there. We’re not bk specialist, but it would seem that if both of you are on title of the property, you will both be effected in some way by the bk.

    Nevertheless, what was your reason for filing the bk? As for the O&E, or as its known on the west coast, a property profile, you should expect to find the chain of title on your property. All recorded documents related to the sale, or all loans that were ever placed on your property.

    This is why we recommend our Securitization Audit. It tracks down each and every entity, which may have had anything to do with your mortgage, the chain of custody, and the assignment of mortgage, which is one of the most critical documents you can acquire, as once you have it, you can examine it for the usual defects, and once and for all prove that the lender does not truly own your property.

    The fact that you haven’t heard from the bank is a red flag that they may have a problem with producing the required documents in order to prove ownership. You should be on the offensive in doing your homework to determine what the facts are in your situation, if you haven’t already done so.

    Give us some background on your case, as we have just entered into a new affiliate agreement with a law firm there in Florida, that we may be able to have represent you to get your property back free & clear!

    Admin.

  393. Comment by Howard — June 23, 2011 @ 4:40 pm

    Hello Revolt

    Thanks for the info…however the situation is a little different than that you outlined. You see, we are not in foreclosure…we have never been served anything. As a matter of fact, until today with the receipt of these bk generated documents, we have not heard from the lender for the last 18 months! So, the way we looked at it is no news is good news! Plus here in Florida we are a judicial state. In terms of bankruptcy, my wife file individually, I did not. So since the house is in both names only one of us is affected by the bk filing. Again, the lender has not foreclosed, or even threatened foreclosure so far. We completed the QWR/Admin Process a year ago. Who knows, that may have something to do with our situation. One question for you…what should one expect to find if they have an O&E (ownership and encombrance) search done after having completed the admin. process with the correct filings etc.?
    Thanks!

  394. Comment by revolt — June 23, 2011 @ 1:42 pm

    Howard,

    You are also on point by pointing out how some lenders hedged their bets by taking out insurance against foreclosure defaults. This type of insurance is called a credit default swap (CDS). If you read through the SEC complaint, you will find that this very issue was a part of the SEC Chase complaint, and one of the reasons that Chase settled.

    A hedge fund group named Magnetar Capital, LLC. who partnered with Chase, took out a CDS against the investment portfolio that chase was selling to the investors. However, Magnetar participated in the selection of the notes which would be a part of the investment portfolio. Therefore, it was choosing notes that would have more of a likelihood of defaulting, because they would get paid on the insurance policy (CDS) it had taken out on the investment portfolio, without disclosing to the investors what they were doing.

    As for the BK., We’re not sure of the merits of your case, but the lender will file a motion to lift the automatic stay provisions provided by the BK. However, you can now file a motion to compel discovery, and the court will force the lender to produce evidence which establishes their legal standing. Without the legal standing, they cannot lift the stay.

    If you feel that the bank has avoided providing you with the promissory note, or the assignment of mortgage/trust deed, then now is your chance to demand that they produce the documents that will prove that they own your mortgage.

    What state are you in? Read through the documents carefully, and see if they provided the promissory note, or an assignment, or a substitution of trustee, or the notice of default. These documents must be examined in order to determine if they are defective. If found to be defective, you can get rid of the bank permanently, right there in the BK court.

    Admin.

  395. Comment by Howard — June 23, 2011 @ 1:13 pm

    Great point!…..they do continue to get away with murder. Additionally, what a lot of people dont know is that most of these “lenders” hedged their bets when these loans were made by taking out insurance policies to protect their downside in the event of a foreclosure. So they have the best of both worlds. They loose nothing even with a foreclosure AND they sue to foreclose on the property, sell it and make gravy in addition to their insurance! Now, this is also illegal. If you have a car stolen and it is covered by insurance, you get money for your stolen car,…however, if the car “shows up” you are obligated to advise your insurance company and either return the money or give up the car. The banks give up nothing.

    By the way, as an FYI, my wife filed for bankruptcy a couple of weeks ago and the law requires that everything is listed. One can however, specifically dispute those things they do not agree with. In this case, we disputed the Chase mort. Today, I received a bunch of documents from Chase on steps to take, payoff statements, etc etc. It came regular mail. While it is not “boiler plate” stuff, it was definitely produced as a result of the bk filing. At this point, I really dont know what to do, if anything, upon the receipt of this stuff. I guess I can ignore it (it came regular mail, not certified), or if I should somehow respond, I dont know how to do so or what to respond with? Any suggestions????

  396. Comment by revolt — June 23, 2011 @ 10:33 am

    Howard,

    Keep in mind that this is a different type of lawsuit from that of the regular homeowner. This decision could have very little impact on those regular homeowners who may have a chase mortgage, as it was the certificate holders of the securitized loans that the SEC sued on behalf of, not regular homeowners.

    However, many banks who structured identical securitized loans are probably shaking in their boots, as we could see many more of these types of lawsuits coming down the pike.

    Nevertheless, for the regular homeowner, it could serve as additional credible evidence for those homeowners who file a “Securitization Fraud Lawsuit”, such as the one we have available for download from our website, so that Judges become more educated about the pervasive fraud inherent in the illegal securitization process. We’ll see, but in any event, those damn banksters are still getting away with freakin murder.

    The $154M settlement only represents 1% of the total annual income earned by JP Morgan Chase. Would you take that percentage trade-off if you were a bank? You make trillions of dollars, and if you get caught, you only pay back 1% of what you stole. That’s a pretty damn good return on investment, and really does not deter any greedy Wall Street banksters from repeating the bad behavior.

    Admin.

  397. Comment by Howard — June 22, 2011 @ 7:24 am

    Yesterday Chase “settled” regarding a suit filed by the Securities and Exchange Commission charging Chase with misleading investors into illegally securitized mortgage deals. The settlement amount from Chase is in the hundreds of millions of dollars. Of course, as part of the “settlement”, Chase admits to no wrongdoing. Now, it will be interesting to see what impact, if any, this will have on those folks with Chase as a lender

  398. Comment by revolt — June 17, 2011 @ 6:21 pm

    Sorry about that. We will get back to you later today. We also want to let you know that we are now providing Forensic Loan Audits, and Securitization Audits. These are critical additions to your arsenal in exposing the bank’s possible fraudulent foreclosure attempts.

    You need to have the answers before you ask the questions. This gives you the upper hand when dealing with the banks. You can lure them into committing critical mistakes, and possibly further fraud, when you already know exactly the route that your loan has taken, who now is the true alleged owners, and all of the contact information to the alleged true owner.

    As always, our audits are priced well below our competition, and as you are already a valued client, there will be an additional discount available to you for a limited time. Just let us know if you’d like to have one prepared for you.

    Admin.

  399. Comment by J. — June 16, 2011 @ 5:05 pm

    Please check your email system.

    I’ve had two bounces in the last week to the “csrevolt@…” email.

  400. Comment by revolt — June 14, 2011 @ 11:42 pm

    Howard,

    What you have stated is in part also true. Yes, in some cases the courts will side with the banks. However, if you are in a position where your home is about to be taken, do you fight for your home, or just give up without a fight?

    Ultimately, the answer to this is up to each homeowner. So what if the court sides with the bank. When you understand the law, you recognize that you are still buying yourself time to stay in your home, by keeping the bank tied up in court.

    We have been in litigation on one of our cases for almost 3 years now. The bank has not been able to end the litigation, or sell the home. As time went by, the political wind started to change in our direction. When we started the litigation, none of the information was out about Robo-Signers. There was no Attorney General’s investigation of the bank’s fraud. There was no knowledge that the securitization of the loan was illegal. All these things began to reveal themselves over the time that we bought for ourselves by tying the bank up in court, and if we hadn’t made a stand to fight, we would not be in the favorable position we are in today.

    Yes, the ignorant judge in our case ruled against us, but guess what? We had the right to appeal his erroneous decision, and keep the litigation in court. Now we are before the appellate court, which has a 3 judge panel which decides the cases, leaving much less chance, and opportunity for a renegade judge to rule disregarding the law. They basically police each other.

    Our appellate court has overruled several poor decision made by the lower court judges, and we expect that they will do the same in our case, as we have all of the laws in our favor, and the climate against foreclosure mills, MERS, and fraudulent foreclosures are also in our favor, and very much in the forefront of the minds of the appellate court judges.

    We understand that everyone does not have the tenacity, and endurance that it takes to fight for the long haul, but for those that due, you can prevail, as long as you have the evidence on your side, and have done the necessary homework that it takes to gather your evidence.

    No one said it would be easy, but if you want to fight for your home, that’s what it will take. Homeowners should not get discouraged because some A-Hole judges are ignorant or corrupt. They must be exposed to the light of justice, and we all have to do our part to make a difference.

    We have a case on our website where the judge made a stupid ruling, and the appellate court overturned the case, and the judge ended up apologizing, and admitting he did a piss poor job of ruling on the law. Click on this link to see the article: “Judge Admits He Screwed Up”. http://www.thehomeownersrevolt.com/?cat=59

    Admin

  401. Comment by Howard — June 14, 2011 @ 8:28 pm

    Sue

    What revolt says is true…the banks will do anything to win. They will take advantage of folks who dont know what to do. Unfortunately, part of the problem is that even for people who have done the right things, i.e. submitted and filed the correct documents etc. .. the courts are more times than not siding with the banks. In some cases this is because the judges are corrupt, in some instances it is because they are ignorant and feel that the homeowner owes the money…they obtained the mortgage therefore they need to pay regardless of the “technicalities” of the paperwork.

  402. Comment by revolt — June 14, 2011 @ 6:35 pm

    Daniel,

    You can also now watch the full movie right here on our website. Just click on this link. http://www.thehomeownersrevolt.com/?cat=226

  403. Comment by revolt — June 14, 2011 @ 5:35 pm

    Sue,

    Have you actually viewed the alleged original note? As under the Florida Evidence Code 90.953, copies of the note are not accepted as admissable evidence. As the “90 Day Take Back Program” is an administrative process, it is designed to be utilized prior to the foreclosure complaint being filed. It does contain all of the necessary forms.

    Once the foreclosure complaint has been filed, it is a judicial procedure, which the governing judicial rules, are different from the administrative rules of procedure. It is premature to file the Opposition 2 Summary Judgment, until the bank has file its Motion For Final Summary Judgment. You need to file our Motion To Dismiss & Counter-Claims.

    A bank can change law firms, but they cannot change the documents, which have been filed in the case. If they have filed forged, or fraudulent documents, a new law firm cannot remove those documents from the court records. Therefore, if you find that the bank has submitted defective, or fraudulent evidence, a new law firm does not help the bank overcome the flawed evidence.

    Do not take for granted that the bank’s documents have been properly filed, as you may not have the legal experience to make that evaluation, or know what to look for. If the Plaintiff’s name that is listed on the foreclosure complaint is listed as Chase Bank NA, Trustee for an investment pass-through trust, then your loan has been securitized, and the Trust, or bank needs to produce the assignment of mortgage to establish legal standing upon which to pursue foreclosure. The promissory note would also have to be endorsed to the alleged investment trust.

    You must do your homework, and take nothing for granted. The banks will lie, cheat, and do anything they can to steal your home, which includes submitting fake, forged, or fabricated documents, which they know to be false, just to hide the truth from you.

    Admin.

  404. Comment by Daniel — June 12, 2011 @ 9:12 am

    The global economic crisis of 2008 cost tens of millions of people their savings, their jobs, and their homes… This is how it happened…

    Inside Job… full movie can be seen here:

    http://www.youtube.com/user/CODHVideos#p/c/8D21DBB38349D08F/0/iFfTcAcGjcU

  405. Comment by Sue — June 9, 2011 @ 4:17 pm

    I my lender (Chase) has filed for foreclosure and has the Original Note (or so it seems) and everything seems (to me) to be filed properly (the only thing is that it is the Florida Default Law Group that is servicing company) can I still get back my house free and clear? Is the 90 Day Take Back Program useful anyway? does it contain all necessary forms?

    If I file Opposition 2 Summary Judgement, can the Bank change their Law firm and continue foreclosing with a new Law firm that is not currently under investigation?
    Thanks

  406. Comment by Daniel — June 7, 2011 @ 7:20 am

    Startling revelations from a Swiss banking insider…A MUST READ!

    http://noviden.info/article_239.html

  407. Comment by Daniel — June 7, 2011 @ 7:10 am

    Homeowner forcloses on Bank of America!

    http://www.youtube.com/watch?v=roBAMUfQQdY

    Gotta Love It!

  408. Comment by revolt — June 5, 2011 @ 10:51 pm

    Each state has its own version of the Uniform Commercial Code (UCC) negotiable instrument laws. Some states apparently will accept copies under specific conditions, and other states like Florida, do not accept copies. However, even in the states that claim they will accept copies, there are specific conditions that must be met before a copy can be accepted.

    Admin.

  409. Comment by ken — June 5, 2011 @ 6:06 am

    What happens if they only have copies, i hear the courts will accept this

  410. Comment by revolt — June 3, 2011 @ 6:25 pm

    Iwanttoknow,

    Please read The “90 Day Take Back Program” parts 1 & 2 on our website for a very in depth breakdown of how the program works, and the legal authorities upon which it is based.

    Admin.

  411. Comment by revolt — June 3, 2011 @ 6:19 pm

    Iwanttoknow,

    The Administrative Procedures Act Of 1946 is a provision that provides a means of settling disputes outside of the judicial system (court system). Therefore, it does not specifically articulate your right to reconvey title. It provides a framework whereby an administrative default occurs when a lender fails to respond, or object to your administrative procedures.

    It is the laws that govern negotiable instruments under the Uniform Commercial Code (UCC), which establish that a failure to produce the promissory note, or other negotiable instruments, which articulate that a lender has no legal rights to foreclosure, without producing the required documents that would prove their ownership of your mortgage.

    If they cannot produce the required documents, you have a right to remove any entity that makes an adverse claim on your property. Your right to title reconveyance is based on the lender’s failure to prove they have any security interest in your property.

    If a stranger claimed that they owned your home, and filed a document with the county recorder, then tried to take your home, would you not challenge them by making them produce some proof that they had any rights to your property?

    And if they couldn’t prove they owned your property by producing written evidence, wouldn’t you have a right to have them removed from the title of your property, and reconvey it back into your name, or rather have them removed, leaving you the sole person left on the title?

    This is exactly the same concept. If the lender cannot produce the required evidence in order to establish they have any rights to your property, you have a right to have them removed from the title, leaving you the sole owner of the property.

    Admin.

  412. Comment by revolt — June 3, 2011 @ 6:00 pm

    J.

    Stay the course. These are typical intimidation tactics that the banks, and their loan servicers attempt to use in order to scare you off from finding out the truth. The VP of your servicing company is completely ignorant of the law, as he states that he will retain an attorney if you send any more certified letters.

    First and foremost, there is no law against sending a certified letter. Secondly, the letters you have sent are authorized by Federal law. His vain attempts at intimidation have no foundation under the law. It takes courage to fight for your home, and the banks are capable of doing very scandalous things in order to steal your home, or hide the truth from you.

    Just remember, when they fail to comply with your request, they are in violation of Federal law, and this is to your advantage, because you now have evidence of their violations, which can be used against them, or as leverage to negotiate with them, should you decide to do so. Keep up the fight.

    Admin.

  413. Comment by Iwanttoknow — June 2, 2011 @ 11:53 am

    Is there anyone on this blog that has 100% percent successful with the take back program? If so how many months have you not made your payment? Please give me your property address, state, and county so I can have my title guy confirm that your property is unimcumbered by a mortgage due to the administrative process.

  414. Comment by Iwanttoknow — June 2, 2011 @ 11:49 am

    To whom it may concern

    I am very interested in the 90 day program but I have a concern and here it is: I took some time to read over the “Administrative Procedures Act of 1946″

    Could you point out to me where it states in the act that if the bank or pretender lender does not provide the required proof in accordance to the Qualified Written Request that we have a right to reconvey our property to a trust or another identity?

  415. Comment by J. — June 2, 2011 @ 11:12 am

    Well I just got off the phone. I had the VP of my servicing company call and give me an earful. Stating they are the owner of the note, they are the people I should be sending my payments to, and nobody is getting to see the original note as Deutch bank has it for safe keeping.

    So it went from one Pretender Lender, to Fannie, to Deutch bank.

    I was also threatened that if I sent any more “certified letter things” to him, he would retain an attorney and all those fees would be added to my loan. I stayed calm and simply asked why he didn’t have to comply with all these laws, rules and regulations (TILA, RESPA, UCC CComCode etc.) at which point he got even more mad and irritable.

    I just want to make sure that I get clear title when I pay off my house, or when I decide to sell. I’ve never missed a payment in my life I guess when you ask for truth and honest dealing in business you get to be threatened with lawyers…

    Fun times, good to see Group 3 documents are starting to get someones attention. On with Group 4.

  416. Comment by J. — May 13, 2011 @ 3:56 pm

    Howard,

    I’d be happy to “meet” up via email sometime.

    Jay

    FreeAndClear@relenta.net

  417. Comment by Howard — May 10, 2011 @ 5:45 pm

    Hello J!

    Thanks for your comments. Ill be happy to keep you informed on my progress, or lack thereof either way. Let me know your email and I will contact you directly. I have “met” many people through this site and cross communications has been most helpful to all of us.
    Thanks
    Howard

  418. Comment by J. — May 10, 2011 @ 10:42 am

    Howard,

    Congrats on your successes so far. I’m curious, after the first missed payment, did the bank do anything? Have they called, or sent anything by mail? I’m sent the Notice of Default yesterday, which means my bank is on a very short leash and I’m looking forward to kicking the pretender lender to the curb.

    Keep us posted on your successes and I’ll do the same.

  419. Comment by revolt — May 5, 2011 @ 11:32 am

    Howard,

    Perhaps you need to look up the word unsubstaniated in the dictionary, so that you will have a clear understanding of what the word means. It means unproven. Not backed up by evidence. Just because you have a friend that you have known for many years, who heard something from some attorneys, and then he passed it on to you, doesn’t constitute it to be substantiated. Under the law, that would be considered hearsay evidence, and would not be admitted in a court of law.

    Did you speak with the attorneys yourself? Do you know the attorneys background? Do you know what type of law they practice? Have they actually studied the Administrative Procedures Act Of 1946? Did they study it in law school? You don’t know, or have likely done no investigation of who these attorneys are, or what their backgrounds are, but yet you are prepared to give them instant credibility, and take whatever they tell your friend as the word of God.

    Look, we must be honest here. We have dealt with hundreds of attorneys in our 15 years of litigation experience, and we frankly have a very low opinion of them. Although we respect the knowledge that they have acquired, they don’t know everything about everything. In many cases, they are not that knowledgeable. They just know a little more than the average person, because they have specialized in a certain area of study. We have not met one who actually specialized in the knowledge of the Administrative Procedure, because it is not something they have been taught in law school.

    However, if you choose to put your full faith in attorneys, by all means we recommend that you seek legal counsel from them, and see if they’re willing to assist you, and share information with you, as we do, FREE of charge.

    Additionally, let us say hear, as we have said many times, an attorney is not required to fully understand the administrative procedure in order to litigate a foreclosure case in a judicial proceeding. Litigation in a judicial proceeding is completely different from the administrative procedure, and the two are approached differently. This must be kept in mind when speaking with outside attorneys. If they don’t understand it, they’re going to condemn it. That’s what they do in order to keep you from realizing that they are not actually knowledgeable about the administrative procedures act, and are not the all knowing Gods that society makes them out to be.

    Additionally, because you lack legal knowledge, or civil litigation experience, you fail to understand that anyone can sue anyone for any reason. There is no guarantee that the bank won’t try to object to the administrative procedure by filing a foreclosure complaint. However, anyone who files a complaint has the burden of proving their complaint in a court of law, with documented evidence. If they cannot prove their complaint, it must be dismissed. (kicked out of court).

    If the administrative procedure is implemented appropriately, the likelihood of the bank pursuing a case where they would have to spend tens of thousands of dollars to litigate a case where all of the evidence has been stacked against them, would be fiscally irresponsible, and therefore highly unlikely. When the administrative process is implemeted properly, this is the position the bank is faced with.

    So therefore, the attorneys that your friend spoke with may be partially correct, but they are not giving you the entire big picture, and telling you the flip side of the story. They also did not say whether or not the bank’s case was thrown out of court for lack of evidence. We also don’t know if the individuals that the attorneys were speaking of properly implemented the administrative procedure. There are just too many unsubstantiated variables in your comments for us to post.

    The law is very complex, and many of our subscribers lack the legal knowledge and background to properly evaluate comments, such as the one you just posted, and could be mislead as a result. In those instances, we resereve the right to protect our subscribers from being exposed to comments that might mislead them, or unnecessarily alarm them, if those comments cannot be substantiated by readily attained facts, or evidence.

    If you want to submit questions to the blog to obtain additional knowledge and insight on the subject matter, that’s fine, but if you’re going to make comments, which would lead our subscribers to form an opinion about the subject matter that we are discussing here, which could mislead them, then you will need to substantiate those comments, or we reserve the right to remove such unsubstantiated comments, or assertions.

    We intend to preserve the integrity of the information posted here for our subscribers, by not allowing rumors, hearsay, or other unsubstantiated information to be freely posted on our blog. We hope you can understand and appreciate our position.

    Admin.

  420. Comment by revolt — May 3, 2011 @ 11:34 am

    Howard,

    You have been a positive contributor to our blog. However, as we stated to you previously, we are diligent about making sure that the content on our site is not based on unsubstantiated rumors, which might unjustifiably alarm our subscribers.

    If we find that anyone has posted unsubstantiated information, that cannot be backed up with factual evidence to support it, we retain the right to remove such information. Individuals who may subscribe to our blog, who may lack knowledge and information regarding this subject matter, could be easily misled, and it is our responsibility to protect those individuals, and maintain an evironment that our subscribers can rely on for accurate, and substantiated information.

    Therefore, your comments about a bill that may or may not even exist, which could not be substantiated with any evidentiary facts, and which could be alarming to the uninformed reader was removed.

    Admin.

  421. Comment by Howard — May 2, 2011 @ 7:41 pm

    Hello….

    I was just checking in and noticed that some of my posts had been deleted….just wondering why? I thought I was a good and educated contributor

  422. Comment by Daniel — May 1, 2011 @ 3:17 pm

    Hello All,

    The following link is an excellent resource ebook for anyone considering the “90 Day Take Back” program… it is impossible for anyone to not understand the bank fraud that has been commited in your mortgage/loan/promissory note transaction with your lender after reading this book… unless you do not understand the English language… in my opinion…

    http://api.ning.com/files/H1YtKPiUIMKc0eClrR64AIm6Ducv880kn*pAZX7esV9EZzWEQPXIqhulM5JC5NiWJrokepRN7zlSszQ0lL8YbAqFzYxG4DGW/How_to_Cancel_Bank_Loans__vol_111.pdf

  423. Comment by revolt — April 30, 2011 @ 2:20 pm

    J.

    This is a typical response. However, promptness does not equate to compliance with the law. Through their laziness, they are doing you a favor, as their failure to comply with Federal Law is part of the evidence you will build against them to deter them from challenging your reconveyance. Move forward with your next group of documents.

    Admin.

  424. Comment by J. — April 29, 2011 @ 4:51 pm

    I just received the banks response to Group 2, and in essence, their response is, “here is a copy of your payment history”, and “this is the FINAL response you will get from us.”

    Interesting, at least they’re prompt with their responses.

    I’ll keep my progress outlined here.

  425. Comment by Daniel — April 28, 2011 @ 5:33 pm

    Hello All!

    Here in Arizona:

    Senate Bill 1259 was supposed to be all about transparency, making sure homeowners could always have access to a copy of their home’s deed.

    “The bill was very simple, this bill was to show people where your note is at,” said state Sen. Michele Reagan.

    The next step was the House Banking and Insurance committee, where Reagan expected a similar reaction.

    Instead committee chair Nancy McLain moved to strike the bill before it even had a chance to be read.

    See article: http://www.kpho.com/news/27669447/detail.html

    No surprises here!!! GREEDY SCUMBAG BANKSTERS!!!

  426. Comment by revolt — April 27, 2011 @ 1:21 pm

    Howard,

    To date, none of our clients have been challenged by the lender, as when the process is administered correctly, and the evidence has been gathered and exposed appropriately, the lender prefers not to air their dirty laundry in a court of law.

    Admin.

  427. Comment by revolt — April 27, 2011 @ 1:17 pm

    Howard,

    Your question about our litigations assume that they involved the administrative process. Your assumption is incorrect. The cases we are litigating are strickly foreclosure defense cases, where the homeowner did not implement any administrative procedures.

    Here is where individuals cause self inflicted anxiety, by developing questions based on incorrect assumptions, and then answering those questions negatively to create doubts in their own mind about the adminisstrative process, which are based on incorrect assumptions, instead of facts.

    The moral of the story is:”He who ask questions based on assumptions, has already answered his question incorrectly.”
    Don’t ask questions based on assumptions, just ask questions with an open mind.

    Admin.

  428. Comment by Howard — April 26, 2011 @ 8:15 am

    One thing that would be interesting to know is how many people who have used your admin. process have been challenged by the lender as opposed to having received clear title. While I dont know first hand, I have heard that in the majority of cases, the lender will eventually challenge those who executed the process.

  429. Comment by revolt — April 25, 2011 @ 1:55 pm

    Howard,

    You have been a valuable contributor to our blog, and we appreciate your comments. We just wanted to give you, and all of our subscribers a heads up on how we can keep our blog fillied with the most helpful and reliable information.

    To your point of uneducated, and or corrupt judges in Florida, we are very familiar with the Florida courts, and the judges behavior, as we have been in litigation in Florida on 2 foreclosure cases for over 2 years now. Yes, it is true in many cases that the judges are uneducated, and or corrupt in some cases. However, we cannot be detoured by this, as the only other option would be to let the banksters take your home without a fight.

    Additionally, although these judges have either been inept, uneducated or corrupt, one must understand the legal system, and recognize that there is a way to hold these judges accountable. The Appellate Courts have been overturning these unlawful decisions made by the lower court judges, and the homeowners must be willing to go the distance to receive the justice they deserve.

    One of our cases is in the Florida appellate court now, and we expect a decision in the next few months, which we will share with our subscribers. However, we have already provided appellate court decisions on our website, verifying these overturned decisions.

    Just because we hear about uneducated, or corrupt judges in the courts, doesn’t mean we just throw in the towel. The legal game is set up to see if the homeowner can go the distance. Those who have the evidence, and are willing to go the distance in challenging the banksters will usually prevail.

    Additionally, effective litigation skills are required in order to understand how to educate, and hold the judges accountable for their unlawful decisions. This fight is not for the faint at heart, and takes stamina, determination, and persistance.

    Also, please provide the contact information for the Florida attorney you mentioned, so we may contact her to discuss the potential of using her as a possible referral source for our clients.

    Admin.

  430. Comment by Howard — April 25, 2011 @ 4:39 am

    To All

    My apologies if I startled anyone regarding the pending bill. This is information I received from a collegue who lives in California who is currently on temporary duty overseas. I will try to learn more specifics. This was intended just as a potential heads up. Personally I feel that this process is a good way to achieve clear title. I have not done that yet, but will soon embark on an O&E to establish the status of the title on my property. As I mentioned in a previous note, ( and I dont want to jinx myself! ) that I have heard nothing from my lender in terms of anything specific in over 15 months. I tend to be a little on the paranoid side, hence all of the blog entries, but I want to be prepared in the event they do come after me. I believe the process is a clearly stated on legally, however, there have been cases where uneducated judges or frankly corrupt judges dont follow the law. I have an attorney friend here in Florida who, among other things, deals with foreclosure issues and she has indicated that the judges that she has encountered are mostly ignorant and once the situation and process is explained they get it.
    Again, my apologies for an entries that have created problems

  431. Comment by revolt — April 24, 2011 @ 11:42 pm

    Howard,

    We feel that you meant well when you posted information regarding the possibility of a bill being passed to modify the administrative process retroactively. However, we do not want our blog being used inadvertently to pass rumors, or unsubstantiated information along, which could discourage, and create unneccessary anxiety for those who are presently engaged in implementing the administrative procedure as a means of foreclosure defense.

    If this alleged bill does not pass, or if it does not actually even exist, then the rumor will have done nothing but cause unneccessary anxiety, and perhaps cause homeowners not to utilize the tools that are presently legal in order to fight back against the banks possible fraudulent foreclosures.

    Therefore, we would ask you in the future to support your assertions, and information with some form of validated evidence, which would support your assumptions. This way the information shared on our blog will be rooted in verifiable facts, and not just hearsay, which could be alarming, and harmful to our subscribers.

    Again, we feel that you were only trying to share helpful information with our subscribers, but we all must be careful that we do not do more harm than good by posting unsubstantiated information, or rumors that could be harmful, or create anxiety to administrative procedure participants. We cannot deal with what might be, or what we may have heard, we must deal with what the law is, and what the facts are presently, and presently, the Administrative Procedures Act of 1946 is the ruling law at this time.

    Therefore, we would request that if you have any substantiated information regarding the alleged bill that is to be passed, please post that information for our subscribers, so that they can have accurate, substantiated information upon which to evaluate which foreclosure defense stratagies best suit their particular needs.

    Admin.

  432. Comment by pam — April 23, 2011 @ 11:24 am

    Howard and Daniel,

    I have also just recently reconveyed my property and I live in Florida. I am also very interested in learning what you, Howard, have heard about movement to quash (retroactively?) the administrative process. Could you elaborate on that and how we might find out more about it? Also, I’d like to communicate with any other Florida folks who have completed this process to know where they stand and what other steps they have taken. Please email me at pamlinc@msn.com.

    thanks.

  433. Comment by Howard — April 23, 2011 @ 6:20 am

    Thanks for your note….my reconveyance was done May of 2010…

  434. Comment by revolt — April 22, 2011 @ 9:40 pm

    Howard,

    15 months with no mortgage, how many months since the reconveyance was finished? Just FYI, the promissory note defense is not the only defense available to you. If your loan was securitized you have additional defenses, and even if it wasn’t, their are fraud in the origination defenses available to you.

    We believe that the fact that they have not pursued any foreclosure actions against you is a good indication that they know they have documentation problems, which will prohibit them from establishing any right to foreclosure.

    We also feel that it is advantageous for you to exercise the patience you have exhibited. Its a game of chess. You don’t make moves until after you see your opponent’s next move. Glad to see you winning!

    Admin.

  435. Comment by Howard — April 22, 2011 @ 5:26 pm

    Thank you for the information. As I said, since I am currently not interested in selling my house, I am just curious more than anything else….and as I said, perhaps a little paranoid. I think for the moment I am going to have an O&E done to see if the title is clouded or what the status is. At that point I suppose the next step would be the Quiet Title action. Of course, one hopes that they are not the rare exception where the lender DOES have the documents needed to claim title!! Frankly, I think if that were the case, they would have already have been knocking on my door. I havent made a mortgage payment in fifteen months and other than boiler plate letters, most of which have nothing to do with loan specifics, I have not heard anything from my lender during this entire time…..I am not complaining! We shall see what happens

  436. Comment by Daniel — April 22, 2011 @ 4:20 pm

    Howard,

    Congratulations on your successful reconveyance!… Can you provide the source article(s) or person(s) that you presented the previous statement posting: “it is my understanding that bank lobbiests have encouraged a bill to be written which will modify the administrative process retroactively which, if passed, would nullify all of our efforts”?… my email is danieldydyk@yahoo.com. I have recently initiated my administrative process of reconveyance for 2 separate homes and I intend to file a Quiet Title Action suit(s) upon completion of the processes…

    Thank you!
    Daniel

  437. Comment by revolt — April 22, 2011 @ 11:52 am

    Howard,

    If you want to move forward, without having to worry about Chase knocking on your door, filing a Quiet Title Action will force the lender to produce definitive evidence that they own your mortgage. If they cannot produce the note, or an assignment of the note, the court will be left with no choice but to remove Chase from the title, leaving you with free & clear title.

    However, if you administered your reconveyance properly, and made Chase aware of the evidence you have against them, and their Federal violations committed, they will not want to air their dirty laundry in court, and will likely move on to the next uninformed homeowner, who will just give their property away without a fight.

    Remember, these banks have already been paid 3X’s over on your loan. They’re not losing any money, just additional monies they would get by taking your home.

    If you need a Quiet Title Action Lawsuit, we can provide you with that document. Right now its only available for California, but we can customize one for your specific state.

    Admin.

  438. Comment by Howard — April 21, 2011 @ 5:08 pm

    Thank you! I certainly hope this is the successful conclusion to this process. After all, I have my reconveyance and a release of mortgage,….however, I am also paranoid. I am just waiting for Chase to knock on my door and should they do that, ie. pursue foreclosure, I really dont know what I would do. I have heard that they maintain, and indeed some courts agree, that this administrative process is a mirage. Anyway, I do hope that nothing comes of this. Personally, at this point, I am not interested in selling my home. I probably will be in a couple or three years. When that time comes, and hopefully nothing negative has happened, I will be able to sell my home without difficulty. I have heard that it may not be unusual to have to pursue a Quiet Title action. I guess we shall see

  439. Comment by revolt — April 21, 2011 @ 1:04 pm

    Howard,

    Congratulations on your successful reconveyance. It is important for our subscribers to know that, no its not to good to be true! In fact it is true. You can successfully, and legally reconvey the title to your property, if done correctly, in accordance with all state and federal laws.

    As for the politicians, they are always busy at work trying to strip the American Citizens of all our civil liberties, and rights. We’ll have to wait and see if they are successful in reversing our rights to reconveyance. However, they will always leave a loophole for themselves, and we will find it in order to maintain our constitutional rights as Citizens.

    Admin.

  440. Comment by revolt — April 20, 2011 @ 7:14 pm

    Crystal,

    As the county recorders are becoming more aware of homeowners who have been execising their rights to reconveyance pursuant to the Administrative Procedures Act Of 1946, they have in many cases, refused to record certain documents, which is illegal.

    However, instead of our memebers having to waste time fighting with the county recorder’s office, we have anticipated their intentional violations of the law by providing our “90 Day Take Back Program” members with 2 alternative strategies for successfully recording their documents.

    We will be posting one of our most recent member’s recorded Release Of Lien on our website, who used our most powerful strategy to complete the recording of her reconveyance documents.

    Admin.

  441. Comment by revolt — April 15, 2011 @ 8:22 am

    Pam,

    Thank you for your comments. You are living proof to all of the detractors and skeptics out there, that if they follow through with the process faithfully and diligently, they too can complete the “90 Day Take Back Program”, complete their title reconveyance, and receive their full Release Of Lien, in Taking Their Property Back Free & Clear in 90 Days!

    Admin

  442. Comment by pam — April 15, 2011 @ 7:53 am

    Just wanted to say a BIG thank you to the HR team for making this process possible and for helping the home owner make a stand against the Pretender Lender. This is an awesome tool, and you’ve been true to your word in helping me through it step by step. I’ve completed the final phase of the process, and I feel empowered by it. Thanks again! Keep up the good fight.

  443. Comment by revolt — April 10, 2011 @ 10:46 am

    Jamison,

    You don’t need the Trust Document to complete the process. You merely need to name the Trust. The Trust document can be completed and filed at a later date. We hope to have a Trust document for download very soon!

    Admin.

  444. Comment by Jamison — April 9, 2011 @ 8:00 am

    And is there anyone who has completed the reconveyance who has a sound trust document template? This is what I’m waiting on to ultimately finish what I started in October. Please contact me Jamison567@gmail.com.

  445. Comment by wayne — April 7, 2011 @ 7:48 pm

    I’ve just joined, I would like a legal referral for my securitization challenge to my mortgage. I live in Knoxville tn. please e-mail me wo_kitty_sapp@yahoo.com. thanks wayne

  446. Comment by revolt — April 4, 2011 @ 10:17 am

    Ken,

    The bank’s beauracratic mess always works in the homeowner’s favor. If the bank were to sue for foreclosure without having any documents to validate their right to pursure foreclosure, that works in the homeowner’s favor. However, through our process, we are going to make sure that the bank knows exactly what evidence we have against them, in order to cut down on their beauracratic mess.

    Admin.

  447. Comment by revolt — April 4, 2011 @ 10:09 am

    Crystal,

    We have 2 alternative legal methods for achieving recordation, that is strictly made available to our “90 Day Take Back Program” members.

    Admin.

  448. Comment by Howard — March 30, 2011 @ 7:52 pm

    Hello

    I think we can all agree that most if not all of these big lenders have huge bureaucratic workings and in fact the left hand does not know what the right is doing. Having said this, I wonder if this could possible work to our detriment in this way. If in fact they dont really know what is going on, isnt it logical to assume that they could or would sue for foreclosure without even knowing that someone had employed and completed the QWR/Administrative Process. In other words, I wonder if they would do their on due diligence before pulling the trigger on foreclosure action to see if they were prepared to file and what the situation was in terms of recorded documents at the county court?

  449. Comment by revolt — March 29, 2011 @ 2:25 pm

    Daniel,

    Thank you for your comment, and your emails. We are working on getting your responses to you today. We truly appreciate your understanding that we are not just a website providing information and documents, but are actually in the trenches litigating 4 different cases, in 3 different jurisdictions. You would need to be a lawyer to appreciate the complexity, and ambition of litigating in several different jurisdictions simultaneously.

    This sometimes requires us to focus our team on the task at hand, and unfortunately does not allow us to respond as expeditiously as we would normally like to. However, these cases have millions of dollars in damages at stake, and must take priority over some of our other responsibilities.

    So, thank you again for your understanding and patience.

    Admin.

  450. Comment by revolt — March 29, 2011 @ 1:07 pm

    Bill,

    The statute of limitations on filing a judicial foreclosure is between 4-6 years. However, it varies dependent upon the laws of each state. To eliminate the uncertainty of the bank filing a civil complaint within that time frame, the homeowner can be proactive and file a Quiet Title Action complaint, forcing the court to determine who is the rightful owner, based on the evidence presented in the action.

    If the bank cannot provide the documents required to prove ownership of the mortgage, the court removes them from title, leaving the homeowner as the only remaining party with a security interest in the property. A Quiet Title Action Lawsuit document can be instantly downloaded from our website.

    An LLC., or other entity allows the property to be exempt from litigation, but the bank can file suit against the homeowner personally. Because the asset is not personally owned by the homeowner, the bank cannot recover the property as an asset of the homeowner.

    Admin.

  451. Comment by Crystal — March 29, 2011 @ 12:42 pm

    My county recorder’s office won’t allow me to file a notice of revocation of power of attorney regarding my mortgage deed. Any advice?

  452. Comment by Daniel — March 29, 2011 @ 11:40 am

    Thank you for you recent post responses to Howard!

    It is extremely valuable to have these questions answered with such clarity and articulation that goes a long way to display the experience, knowledge, and integrity that your team of great individuals has as an “obvious authority” on the subject of fighting forclosure and asserting your rights to obtain your home(s) free and clear.

    Until the average homeowner, realizes that he/she has been DECEIVED by the banking system and until he/she can recognize this and can verify this with individual research (which is available through your own “due diligence” for your own “piece of mind” and “verification” using the internet) he/she will not take any action and remain complacent as not only a victim of FRAUD but a victim of “lack of knowledge and information”… and will “give away” his/hers wealth/income, monthly and yearly to this deception…

    I have recently purchased the “90 Take Back Program” and will be posting my progress on this blog…

    Daniel

  453. Comment by revolt — March 29, 2011 @ 9:51 am

    Howard,

    Kudos to your friend for taking control of his financial future, educating and empowering himself with the knowledge and courage it takes to stand up to the bank’s corruption and fraud.

    The reason he probably still get letters from the bank is because, they are a huge beauracracy. The right hand doesn’t know what the left hand is doing. They received his documents, but the lower level employees don’t have a clue as to what has happened, and are instructed to keep sending letters.

    Your friend is correct to ignore them. He has the almighty evidence of his release of lien, and that’s all that matters. Why spend time on the phone talking to a bunch of individuals who are completely ignorant of the knowledge and facts of what has transpired? Do you think they know anything about an Administrative Procedure? There salaried employees who don’t have a clue.

    Your friend has what he needs, and that’s that!

    Admin.

  454. Comment by revolt — March 29, 2011 @ 9:37 am

    Howard,

    You have obviously done some homework on the subject, and seem to be fairly knowledgeable about some of the documents that are used in the process, but what you seem to be lacking is the legal knowledge which would help you understand the implications of the failure to respond to those documents.

    We’re not going to go into a long laundry list of the evidence here, but just briefly, are you aware of the implications of failure to respond to the Notice Of Rescission? The lender waives all security interest in the property by failing to respond. If you can prove that the lender has no further security interest in your property, and thereby lacks any legal authority to pursue foreclosure, or any actions against your property, is that not evidence that can be used in a court of law that would establish that the bank is not a real party in interest, and is not a holder in due course of the promissory note?

    Under the law, the court is not allowed to even acknowledge a party who cannot establish that they have a right to be before the court, or said another way, a party who can prove that they have an interest in the claim. If they are not a real party in interest, the court has no jurisdiction to hear their complaint. In such a scenario, the case would have to be dismissed. (thrown out of court).

    That is one damning piece of evidence, which carries very powerful implications that could completely destroy the bank’s case, and that’s just one piece of evidence. There’s much more.

    The bank’s have attorneys who understand the law better than most homeowners, and if they see evidence stacked up against them, it would be fiscally irresponsible to pursue a case that has a very slim likelihood of succes. Their in this to make money, not lose it. There is more to this than just a piece of paper. There’s a bigger picture that must be viewed, and many psychological, and financial aspects that must be considered to understand the bigger picture.

    We have done this for our clients, and just condensed it in our program to make it simple to follow for those who do not have the time it takes to perform the in depth research involved with comprehending the full picture.

    Admin.

  455. Comment by revolt — March 29, 2011 @ 9:11 am

    Ken,

    The Administrative Procedure is applicable in all 50 states. As your payments are up to date, there is no risk to you whatsoever, if you should not prevail with the Administrative Procedure.

    However, you and the rest of our subscribers should understand that the Administrative Procedure cannot be stopped. In other words, there is nothing that can stop you from completing the process. After the process has been completed, It can only be challenged, and that challenge would require the bank to produce evidence that it is the true owner of your loan, or in legalese, the real party in interest, and holder in due course of the note. If they cannot do this, then their challenge will fail.

    Admin

  456. Comment by ken — March 29, 2011 @ 7:25 am

    Thinking about buying into this! How has this been affected in the state of Wisconsin? Any cases here yet? Also payments are up to date, can they take the house anyway if I should not prevail.

  457. Comment by revolt — March 26, 2011 @ 2:47 pm

    Jason,

    Thank you for your positive comment. It is much appreciated. We’re not perfect, but we are sincere.

    Just a note to all of our subscribers. We’ve been extremely busy with the cases we are litigating in 3 different jurisdictions. Our team is presently traveling on the east coast on one of our cases, so its been a bit difficult to keep up with our responses.

    The case is going well. We just had a rogue judge admonished for attempting to comandeer our case. Every little victory should be relished, and we relish that event.

    Being directly in the courtrooms, having these experiences first hand with how the courts are ruling on the foreclosure issues after the exposure of the frauds committed by the banks, helps us formulate the most effective legal strategies to present to our subscribers. We feel it also distinguishes us from our competitors, as they seem to lack the civil litigation experience, which truly makes a huge difference.

    We want to thank everyone for your patience, and we should get all caught up by next week. Everyone have a great weekend!

    Admin.

  458. Comment by J. — March 26, 2011 @ 9:33 am

    How much of what you do is anchored in the common law or COURT OF RECORD?

    Sometimes my research to prove I’m not wrong (and we’re right) leads me into some interesting areas of the legal world.

    P.s. To date, I have yet to see one person who has bought your course come online to complain how you guys are frauds after proceeding with your course. After noticing that you guys have several hundred purchases (based on your invoice numbering) its hard to ignore that fact.

    :-) I like that fact very much. I’m looking forward to Group2.

  459. Comment by Howard — March 25, 2011 @ 8:30 pm

    Hello everyone

    In reading through some of the earlier posts I notice that you have indicated that the lenders will not or should not “dare” pursue a course of action against someone who has used the administrative process as evidence gained from the process will be detrimental to them. I guess my question is…what evidence? From what I understand many lenders simply do not respond to the QWR which of course puts them in a default mode, but beyond that, what is the detrimental evidence? I do know of some lenders who have responded but in a very incomplete manner which is legally considered a non-response. So, after the QWR is submitted, the 20 days has passed with either no response, or an incomplete one, then a notice to cancel, recission etc, is performed and recorded, what is the evidence that can be used which the lenders are afraid of?

  460. Comment by Howard — March 24, 2011 @ 5:14 pm

    I believe that anyone who reads this site and sees what is offered would be very excited about the prospect of achieving a clear title!
    Kudos to all of you guys! There is no question you have a lot of outstanding experience. I do have a question regarding follow up….
    I have a friend who completed the QWR/Administrative Process last year, even to the point of obtaining a release of mortgage. However, he occasionally still gets letters from his lender..mostly boiler plate things, but letters nonetheless. If he has a release of mortgage, why would his lender still send him letters regarding his loan? He doesnt answer them because in his mind, the story is over, he has a release and that is it, but somewhere there is a breakdown if the lender is still trying to communicate regarding the loan.

  461. Comment by Bill — March 23, 2011 @ 1:01 pm

    Hi Again,

    Thank you for your reply! I understand that the bank can file a civil suit, even though they most likely not prevail due to the evidence stacked against them with your explaination. At what point can the homeowner “be celebrating victory” without the possibility of a civil suit from the bank? Obviously the homeowner is going to have a level of uncertainty and “worry” about a possible suit after the process is complete. Is there a max time frame they have in order to file suit? Does moving the property into an LLC or another entity’s possession (at the point of recording the transfer) become the point at which there is no “recourse” by way of civil suit possibility from the bank? Can you elaborate on this issue?

    Tanks BA

  462. Comment by revolt — March 23, 2011 @ 5:29 am

    Howard,

    We appreciate your presenting the interesting and provocative information. However, your assertions on how a Judge will deal with the administrative process is a bit misguided in that they lack the legal knowledge of how one would litigate in a judicial proceeding after the completion of the administrative process.

    Most individuals believe that you go into court asserting the administrative process in order to prevail. We believe that one must understand the forum they are in, and litigate accordingly. When you have acquired the 14 years litigation experience that we have been fortunate enough to have acquired, you understand that there is a psycology that must be taken into consideration.

    Why approach a Judge with an argument he is not familiar with (the administrative process), when you can approach him with what he is comfortable with (the judicial process). It is not necessary to argue any administrative procedures in order to prevail in a judicial proceeding. You merely need to use the evidence you have acquired through the administrative process, and structure it in a judicial format. This way, you have made the judge feel comfortable, and thus it will be easier for him to rule in your favor. In the judicial process, its all about the evidence presented, and the litigation should be approached from that aspect.

    As for the rescission information you provided, we feel you are fairly on point with that information, as the topic dealt specifically with the TILA provisions. However, one should take into consideration the rescission is available outside of TILA, like under the provisions of the Statute Of Frauds, which provides for a much broader statute of limitations, and can be used to the same effect.

    However, as we stated, you are generally on point because the topic was TILA specific, and we thank you for your provocative contribution to the discussion.

    Admin

  463. Comment by revolt — March 23, 2011 @ 5:03 am

    Howard,

    Foreclosure homes have been bought and sold long before this recent real estate crisis, so we would respectfully disagree with you that most title insurance companies will not write insurance for homes involved in a foreclosure sale. We would consider that to be misinformation, which we would not want disseminated to our subscribers.

    In a foreclosure, all secondary liens are wiped out, and the bank usually get clear title to the property, leaving no remaining issues for the title insurance companies. Obviously, there are exceptions where homeowners might be fighting the foreclosure, causing some issues with a cloud of the title. however, those situations are the exceptions, not the norm.

    We also would disagree with your characterization of the quiet title action being a crap shoot. Its a crap shoot if you don’t know what you’re doing, and have no legal civil litigation experience. However, if you present the proper evidence, your chances of prevailing in a quiet title action are excellent.

    With our 14 years of civil litigation experience, we understand that you don’t attempt to litigate a case that you can’t support with evidence. Again, if you have the evidence, you chances of prevailing on a quiet title action are ecxcellent.

    Admin.

  464. Comment by revolt — March 23, 2011 @ 4:43 am

    Bill,

    Our process focuses on several legal arguments. Producing the original wet ink signature promissory note is but one of the legal argument we assert. Our process demands inspection of the wet ink promissory note pursuant to U.C.C. – ARTICLE 3 -§3-501 (b) 2 (i). Under this law, the lender is not required to send you the actual wet ink promissory note, but they are required to exhibit it to you for inspection.

    However, if they do not make it available, or exhibit it for your inspection, our process uses this as evidence of the lender’s violation of, and failure to comply with Federal law. Their failure to comply ends up being a benefit to you in the form of evidence acquired against them.

    However, our other arguments hold equal merit to the promissory note argument, and would be enough to stand on their own merit. (read the “90 Day Take Back Program” parts 1 & 2 on our website)

    As for the bank filing a civil suit, you must understand that anyone has the right to file a civil suit, even if that suit has no merit. The key here is to show the bank all of the evidence you have against them, and show them that their chances of prevailing in a civil suit are slim to none, and that it would be a public relations nightmare if they were to air their dirty laundry in a public forum. This, with the cost of attorneys fees they would incur for a case they had little chance of prevailing on, would not make good fiscal sense.

    Banks operate on greed, and profit. If there is no profit, and it will end up having them lose money, instead of make money, odds are they will not find it fiscally responsible for them to pursue a losing battle by filing a civil suit.

    Admin.

  465. Comment by revolt — March 23, 2011 @ 4:05 am

    Howard,

    They are no variations in the QWR, just the right way or the wrong way. In others words, we make sure that we are in strict complaince with all Federal laws. The law which governs the QWR is RESPA Section 2605(e). You are either in compliance with it, or not.

    If one has participated in a previously flawed process, and wished to take advantage of our process, there are no consequences to starting over with our process generally. However, we would consult with you personally to determine what the previous process was to make sure that there are no unforseen consequences, based on the specifics of the previous process.

    Regarding the back end fee, it has been eliminated for now. There is only the one time fee of $1,495.00.

    Admin.

  466. Comment by Bill — March 22, 2011 @ 1:56 pm

    Hi There,

    Because your program seems to focus on the “production” of the “Original Wet Ink Signatured Promissory note for inspection” I presume… Can you tell me if your process will be successful with the “seemingly very unlikely event” that the bank will provide this note for your inspection… I am very sure the bank will never send it to you as it represents “real value”?.. in other words will the other presumed challenges with your process, in this very unlikey event, be enough to stand on their own (without production of the original note)to have a successful process without any civil suit action from the bank?

    Thanks..BA

  467. Comment by Howard — March 20, 2011 @ 7:27 pm

    This entire issue is rather confusing, as I have studied it for quite a while. There appear to be several variations on the submission of the QWR, the timeframe etc. Understandably anyone who wishes to take advantage of a program that will indeed make clear title available will want a process that meets the statutes. Having said that, I know of a couple of law firms in Florida who are presumably experts in this area, and their process is somewhat different and that cause one a little pause. If a person comes to the conclusion that they have participated in a process that in some aspect is flawed, and wishes to take advantage of this one, what are the consequences of essentially starting over and in essence submitting another QWR from the beginning?
    Also, regarding the back end fee, that wouldn’t happen to involve a percentage of the equity in the property which has achieved clear title would it?

  468. Comment by revolt — March 20, 2011 @ 5:14 pm

    Lidia,

    It sounds like you may have already purchased a program. Is that the case?

    Admin.

  469. Comment by revolt — March 20, 2011 @ 5:01 pm

    Steven,

    Please read the 90 Day Take Back Program FAQ. Most of your questions can be answered there. Our “90 day Take Back Program” is $1,495.00. Our competitors are asking between $3-8K for the same process. However, we believe that what distinguishes us from the others is our 14 years of civil litigation experience, which we pack into our program.

    Our stratgey is to approach the process like a game of chess. You must be 10 moves ahead of your opponent, and already know what it will take to checkmate him. This is how we’ve structured our program for success.

    Admin.

  470. Comment by Lidia — March 20, 2011 @ 4:41 pm

    Hello and thank you for your previous replies!

    If my mortgage was with Lehman Brothers Bank, FSB which no longer exists, who would I be sending the QWR to in this case? Upon MERS search it lists my property’s investor as “U.S. Bank as Trustee”…Does this mean they are the trustee who should be receiving correspondence from me and as the “bank” who will also receive correspondence (but in this case the bank and trustee are the same?)…FYI the servicer is listed as CitiMortgage Inc to whom I currently am making payments to…

    Additionally, if I sent my QWR and waited the full 60 business days (and I assume it is business days only)… is there a maximum amount of time I am allowed before I am no longer able to send my second request (or request for compliance).. or can the follow up request be sent any time afterwards without having to resend the original QWR to restart the process?

    I hope my questions are clear!

    Thank you!

  471. Comment by Steven Wagner — March 20, 2011 @ 2:36 pm

    Love what you have and that your helping in the fight for Free and Clear. 1. Wondering who runs this organization? I see you sell these in packages 2. What is the total cost for the complete package, I’m not clear on that? 3. Have you consider training individuals as Affiliates to help others in Forclosure? I’d love to learn how I can help others and would be willing to give back 20% on each deal I have an equity postion, people no longer want could be sold. 4.Can this process be used for Commercial Loans as well? 5.How many success has there been using your program? 6. Do you have any people I can talk to that have used your program and have become free and clear. 7. How would I get in contact with someone to discuss learning more. I have 20 people or so in my pipeline that I was working with this other guy and a process that I thought he had worked out, but I’m starting to think he doesn’t have it all figured out and I’m concern not only about my house but for the others I made a commitment to help. If you want someone can call me at 941-876-4744

  472. Comment by revolt — March 19, 2011 @ 7:21 pm

    Howard,

    The critical element that most homeowners don’t realize is that the way one litigates a case in a judicial proceeding, is completely different from the administrative procedure approach. We get this question, or issues raised quite a bit. Our 14 years of civil litigation experience allows us to understand the distinctions that must be made when litigating in a judicial forum.

    You state that you know of some cases where “the judges go ahead and provide a summary judgment to the lender to proceed with the foreclosure.” We have to caution people when making these kinds of statements, as they insinuate that the courts do not recognize the administrative procedure. However, the judicial process is firmly grounded upon the evidence which is submitted to support your legal position, and the granting of a summary judgment to foreclose, may have had nothing to do with the administative procedure, but more to do with the evidence, or the lack thereof, which was presented in the case.

    We’ve seen courts rule in favor of lenders, and then have people come to us a say, see the courts don’t recognized the law, when it was a simple matter of poor litigating skills on behalf of the borrower, which caused the court to rule in favor of the bank.

    Sure, do judges ignore the law in many instances, absolutely yes. However, when they do, those cases are appealable, and in almost all of the appeals that we’ve read, where the lender did not produce the appropriate evidence to establish their legal standing to pursue foreclosure, those cases get reversed by the appellate court.

    No one said fighting for your home was going to be like a day at the beach. It takes tenacity, and endurance. However, lets be careful about the statements that we make about judges who grant summary judgments to lenders, until we have read all of the specific legal details of that case, and can make a definitive determination as to exactly what legal authority, or laws were used by the judge to base his final ruling upon.

    It must be understood that one does not need to argue any of the issues surrounding the administrative procedures in a judicial forum. One merely needs to present the evidence it has acquired through the administrative procedure in order to establish that the lender does not have any legal standing to pursue foreclosure. In a judicial procedure it is about the evidence you present, and whether the lender has legal standing to pursue foreclosure. It is as simple as that.

    Admin.

  473. Comment by Howard — March 17, 2011 @ 11:31 am

    Hello everyone!

    One thing which would be interesting to know in this most important topic is what to do should a “pretender lender” decide to sue for foreclosure even after the execution of the administrative process. Unfortunately, I know of some cases where the judges go ahead and provide a summary judgement to the lender to proceed with the foreclosure. Now, this goes against the statute, but that is what some judges have done…solution?…I dont know.

    I do know that the “lenders” have claimed that the administrative process is not valid and the recording of the corresoponding documents, i.e. QWR, Notice to Cancel, Quit Claim Deed, Release of Mortgage has been done illegally….but then again, what would you expect them to say.

  474. Comment by Howard — March 12, 2011 @ 7:28 pm

    One other thing I forgot….obtaining title insurance. After all if you want to sell your house, you most certainly will need title insurance. Naturally, title insurance companies are reluctant to underwrite if there is any question on the title. This is especially true in today’s environment. Many title companies simply will not write title insurance for homes involved in a foreclosure sale. The entire situation is such a mess, they dont want their butts on the line should there be a problem. You cant blame them. So, it is also understanable that they may also be reluctant to underwrite if there is any kind of cloud on the title…as a result one could be looking at quiet title actions which could be a crap shoot.

  475. Comment by Howard — March 12, 2011 @ 7:05 pm

    One thing that should be stressed is not only the accuracy and credibility of a correct process, but also how certain judges will deal with it. Now, one could say, they have to follow the law….well true, however, there are some judges that will “side” with the lender. This can make things difficult for pre se folks since they do not have a thorough knowledge of procedure and the law. The opposition will certainly take advantage of that. I have known some people here in Florida who have indeed been successful with their administrative process, achieved clear title and sold their homes! HOORAY…but I also know some who have employed the same process in another area of Florida and have encountered title difficulties. When the went to court to pursue Quiet Title action, they were almost laughed out of the court as the court ruled the process flawed and they sided with the last lender on record. So, in essence, what is out there is sometimes the difference between what is techinically legal, and what the court rules as their reality.

    One note on recission….the basis on taking advantage of this is centered in the TILA and Reg. Z parts of the law. The statute says that the statute of limitations for violations is one year, however, it further states a provision of Time Tolling to extend the period for three years should a violation be discovered. Until recently this was good news, because it meant that for people with loans of almost any age, they could employ the Time Tolling provision. However, about a month ago, the United States Supreme Court ruled that the time tolling provision was to be initiated from the date of the loan and not the date of discovery of violations. Since this is a Supreme Court ruling, meaning the end of the line, any loans over three years old cannot use the TILA and Reg. Z statutes as the statute of limitations has expired. Since recission is part and parcel of this, that presents a statutory problem for loans over three years old. Again, though, many judges and courts are not aware of this, at least not yet, and some administrative actions are still succeeding….for now.

  476. Comment by revolt — March 12, 2011 @ 5:24 pm

    Lidia,

    The challenges that may occur are usually dependant upon the state that your property is located in. For example, in the State of Florida, we’ve experienced no problems filing with the recorder whatsoever. In the State of California, they have become aware of the administrative process, and have attempted to make it more difficult to file your documents.

    Nevertheless, we have two alternative processess which we make available to our clients that guarantee the filing of their documents. Your documents, by law, must merely be recorded in a public place. We have an organization which records your documents, and publically list them on the Internet.

    Our second alternative is proprietary, but we can tell you that it is a process which is governed by Article IV, Section 1, of the United States Constitution. This law essentially states that the recorder must accept, and file your recorded documents. We provide you with the simple process for accomplishing this goal.

    With the “90 Day Take Back Program” you should expect your dedicated email educator to respond to your email questions within 24-48 hours. Additionally, if you would like a phone consultation with one of our program specialist, the fee is $150.00 an hour, and must be paid prior to scheduling.

    Admin.

  477. Comment by Lidia — March 12, 2011 @ 9:38 am

    Thank you for your responses. Very enlightening! Could you please outline any difficulties or challenges that I may incur in attempting to file documents with the county recorder and if there are any, what is/are the solutions to overcoming the issues that I may face?

    Additionally, with your 90 Day Program, what level of correspondence should I expect to have with my “coach” or email educator? Does he/she respond to emails within 24,48 hours?

    Thank you

  478. Comment by revolt — March 12, 2011 @ 3:32 am

    Lidia,

    You have a rather lengthy inquiry, but we will do our best to address all of your questions. First, we did not claim that our network of attorneys are specifically all knowledgable about the administrative procedure. However, because of our 14 years of civil litigation experience, we understand, and you must also understand that the judicial process (litigation in court) is a seperate and distinct process from the administrative process, and the way an attorney would litigate a case in court does not require them to focus on, or be knowledgeable about the administrative procedure itself, as it is the evidence acquired as a result of the administrative procedure, which is most important in a judicial procedure.

    In a court of law, it is all about the evidence. Through the administrative procedure, you will have acquired evidence that an attorney can present in court establishing that the pretender lender is not the real party in interest, and is not the holder in due course of the note, and therefore has no legal standing upon which to pursue foreclosure, or object to your reconveyance.

    If a foreclosure is not involved, and the lender claims that you fraudulently recoveyed the property back into your name, they will have to produce evidence in order to establish that fact. Pursuant to the Fraudulent Transfer Act, a lender would have to prove that you reconveyed the title with the intent to avoid paying the creditor. First, the burden of proving your intent, or mental state of mind, is a very high burden. Secondly, If they cannot establish that they are the creditor, they cannot then allege that you were attempting to avoid paying them , when under the law, they cannot prove that they are the owner of your note, and thereby the rightful creditor.

    However, through the administrative process, and the evidence acquired through that process, you will already know that the pretender lender cannot produce such evidence. In a nutshell, the attorney will simply be arguing that the lender cannot prove that they are the rightful owner of your loan, that they committed fraud in the loan origination, that they waived all security interest in the property when they failed to respond within the 20 days allowed by your notice of rescission, and therefore your reconveyance was not fraudulent, nor was it intended to avoid payment of the creditor. Even more importantly, the lender has to prove that they are the real party in interest, or the court cannot even recognize them, or in legal terms, the court does not have jurisdiction to preside over the case, and as a result, the bank’s complaint must be dismissed. (thrown out of court)

    We could go on, but we don’t want to overwhelm you with legalease. Our point is that attorneys will defend the case based on other legal parameters, and they do not need to be well versed in the administrative procedure in order to represent you in court. The legal approaches in a judicial procedure are different and distinct from the administrative procedure.

    As to our updated figures, as of March 10, 2011, we are happy to report that we have completed 200 successful reconveyances. To date, we have not had any challenges from the bank. You must understand that through our process, we acquired a tremendous amount of evidence against the bank, which we provide to them so that they no exactly how much dirty laundry they would be forced to air should they attempt to challenged the reconveyance.

    This includes in part, all of the following possibilities, depending on the evidence in each particular situation. The failure to produce the promissory note, Failure to respond to the notice of rescission, failure to comply with Federal law related to the QWR, attacking the securitization of the loan, failure to produce an assignment of the mortgage proving the appropriate chain of title, fraudulent, or forged assignments and affidavits by Robo-Signers, and more. By the way, all of these issues, are issues that our affiliate attorneys are well versed in, and do not require them to know about the administrative procedures.

    The QWR is governed by 12 U.S.C. 2605 (e) of the Real Estate Settlement Procedures Act (RESPA). It is simply a request for information on your loan. It is part of the strategy in collecting information from the bank, which you might later use as evidence against them. You are looking for all, or any one of the items you mentioned in your inquiry, and as mentioned above related to legal arguments an attorney would use to defend your case.

    You are also putting the bank on notice that you have some understanding of your rights, and their responsibility to comply with Federal law. If they fail to comply with your QWR, then this is just more evidence that can be used against them in a court of law, should they dare to go there.

    To your last point, nothing can stop you from completing the administrative process. The process is not dependent on any of the evidence you acquire. It cannot be stopped. It can only be reversed, and in order to have it reversed, the bank must object to the reconveyance by filing a civil complaint. However, if they do, they won’t be able to prevail, because you will have acquired too much evidence against them. Once they see your evidence, they will most likely not want to incurred the expense of a judicial process in which the evidence is stacked against them.

    In Summary, our “90 Day Take Back Program” cannot be stopped. Hope we answered all of your questions sufficiently.

    Admin.

  479. Comment by revolt — March 12, 2011 @ 1:52 am

    Lidia,

    You have apparently recently received a correspondence from the Consumer Defense Programs group, who recently announced this information. The Notice Of Rescission is a provision under the Federal Truth in Lending Act, 15 U.S.C. § 1635, Regulation Z § 226.23, which was enacted by congress in 1968.

    The information that you inquire about related to the right of rescission is fairly accurate. However, the $35 discepancy is not the only provision which would allow a homeowner to be eligible to a right of rescission.

    Although we feel that the Consumer Defense Programs Group provides some valuable information and services, the fact that they have only become recently aware of a law that has been in existance since 1968, is a bit of an indictment of their legal knowledge, and background.

    We have been making this information available to our clients and subscribers since day 1 of the launch of our website, and have had knowledge of its existance long before that. We feel that it is our 14 years of civil litigation experience that distinguishes us from the rest.

    Our “90 Day Take Back Program” includes our Notice Of Rescission as part of the documents used to reconvey title, and is available NOW, as a separeate document on our website for instantaneous download directly to your email address. Just click on Download Documents link to download our Notice Of Rescission NOW!

    Admin.

  480. Comment by Lidia — March 10, 2011 @ 6:18 pm

    Upon reading the material on your site I noticed that you claim that you can recommend a network of lawyers who are knowledgeable about your admistrative procedure and are able to defend your case if the bank challenges your procedure… can you please explain how they can defend you if they are most likely not knowledgeable about your proprietary process? (to what degree are they knowledgeable upon completion of the admistrative process)… and could you please state your updated figures for successful reconveyances (as of Jan, 2010 was over 100) and of those how many have been challenged by the bank?

    Could you please elaborate on the qualified written request. Is the homeowner challenging the ability to produce the note, the illegality of the note as a contract because of the lack of the banks signature, the fact that the bank does not disclose all material facts in relation to the loan origination, the fact that the bank does not adhere to GAAP, the fact that the loan has been securitized and therefore no longer a loan, the fact that during the sale of the loan the new assignment of mortgage was never recorded? Is is all of these or any one of these? In other words if we know that my loan has been sold (that fact alone) will this point alone be enough to complete the administrative process through completion? or are there multiple points of contestion that must be present in order for a successful reconveyance to occur?… I hope this makes sense.

    Thank you

  481. Comment by Lidia — March 10, 2011 @ 5:29 pm

    Hello,

    Could you please comment on the theory/fact that a right of riscission is available to homeowners that are in their primary residence, have discovered at least a $35 discrepancy in their closing loan documents, and are entitled to the full amount of payments made to the bank for the duration of the loan from the discovery of the discrepancy and notice of rescission filing? Please advise..

  482. Comment by revolt — March 9, 2011 @ 2:05 am

    Howard,

    If you’re going to fight for your home, the bank is surely not going to make it easy. Their greedy banksters. That’s what they do. If the person has correctly executed the administrative process, and acquired the appropriate evidence, they should have no problem in prevailing.

    We cannot speak for the examples that you mentioned, because we have no way of knowing if the process was administered properly. Many people attempt to initiate the administrative process, and make critical mistakes that do not cover them in the final analysis. This is where our 14 years of civil litigation experience distinguishes us from our competitors.

    Our program was developed in conjunction with our 14 years of civil litigation experience to anticipate any future legal scenarios that may arise. If the process has been administered correctly, and the person has acquired, and submitted the appropriate evidence, and filed a quiet title action, the court will have no alternative but to rule in favor of the homeowner, if they’ve provided the proper evidence. A judgment from a court of law, granting quiet title must be accepted by any title company, as clear title.

    You must be careful of the stories that you hear about and recite, because in many instances, it was a matter of the homeowner’s lack of legal knowledge, and incorrect administration of the process, which caused them to be unsuccessful. We know of many cases where the homeowners failed to execute the process properly, and the court ruled in the bank’s favor. Not because the bank was right, but because the homeowner failed to execute the process, or failed to litigate the case properly.

    That’s the difference in our “90 Day Take Back Program”. We take you step-by-step through the process, provide you with a dedicated email consultant throughout the process, and provide you with each and every document you will need in order to complete the process. We also provide legal documents that can be filed in civil court to prevail in the judicial process, should it become necessary. These are the things that make a difference between failure and success.

    Admin.

  483. Comment by Howard — March 7, 2011 @ 2:49 pm

    Hello

    Thanks for the response. I am in Florida. I know that in “theory” the process should work as you have described, but it has been the experience among others that when a title search is conducted, or even when a quiet title action has been undertaken, that the title insurers or courts tend to side with the financial lender. I do know of one instance here in Florida where a person in a similar situation attempted to sell their home and of course there was a question regarding the chain of title and despite the fact that the home owner had apparently conducted the QWR etc correctly, the title company didnt know what to think about those documents, i.e. Notice to Cancel, Removal of Power of Attorney, Quit Claim and Release of Mortgage. They were fixated on the last “legitimate” document prior which was the WAMU mortgage.

  484. Comment by revolt — March 7, 2011 @ 1:58 pm

    Howard,

    As long as you appropriately performed the necessary steps, and recorded the appropriate documents with your recorder’s office, you should be able to perform a title search with any title company to see if the title is clouded. If not, you can move forward with the sale of your property. If clouded, you will need to file a quiet title action lawsuit, which ask the court to remove the original lender, and any other parties which claim a security interest in your property, and leave you as the remaining rightful party on title.

    As long as you have the documents, and evidence to establish that you are the remaining rightful owner, the court should grant you sole title to the property. Please tell us what state your property is located in.

    If needed, you can download our Quiet Title Action lawsuit directly from our website. Your document will be instantly downloaded to you via email, and you merely fill in the blanks with your personal information, and its ready to be filed with the court.

    Admin.

  485. Comment by Howard — March 7, 2011 @ 7:42 am

    Hello

    Last year I finished the administrative process through QWR to the point where I had the Notice to Cancel, Removal or Power of Attorney, Quit Claim Deed and Removal of Mortgage. With this done, can I still be foreclosed on (hasnt happened yet, have not heard from my lender in one year) and…if I want to sell my house I am sure the title will be clouded…how can I obtain title insurance which will be needed to sell?

  486. Comment by revolt — March 3, 2011 @ 9:26 pm

    Babes,

    Does your brother know whether his loan was securitized?

    Admin.

  487. Comment by revolt — March 3, 2011 @ 9:20 pm

    Babes,

    The Predatory Lending/Quiet Title Action lawsuit is designed to be filed in the Superior Court, which means it is a State Court lawsuit. Yes, he can file a Lis Pendens. However, because he will be In Pro Per (Self-Represented), he will first have to get approval from a judge before he will be allowed to file the Lis Pendends with the county recorder.

    Admin.

  488. Comment by Babes — March 3, 2011 @ 1:53 pm

    I got three answers on my post. Which route should my brother go. His property is in Sacramento, Ca and it’s a non judicial state. He is willing to download the Predatory Lending/ Quiet Title action. Where can he file this complaint, is it in the county superior court or the federal court and can he also file a lis pendens with it? Pls. let me know so we can do it ASAP.Thanks.

  489. Comment by revolt — March 3, 2011 @ 3:02 am

    Babes,

    Unfortunately, not much you can do, unless the person living in the property is a tenant with a lease. If so, the lender has to honor the lease agreement, pursuant to the Helping Families Save Their Home Act of 2009.

  490. Comment by revolt — March 3, 2011 @ 2:58 am

    Babes,

    Yes, if your friend deeds the property over to you, you can then utilize the “90 Day Take Back Program” to reconvey the property title back into your name.

    Admin.

  491. Comment by revolt — March 2, 2011 @ 9:30 pm

    Babes,

    Unfortunately, because the lender has already foreclosed on the property, it is too late for him to implement the “90 Day Take Back Program” startegy.

    However, you can start by downloading our Motion To Vacete Judgment document from our website, if your brother’s property is located in a judicial foreclosure state. It allows the foreclosure to be overturned for reasons of fraud, misrepresentation, or inadvertent mistakes, or if he is in a non-judicial foreclosure state, You can start by downloading our Predatory Lending/Quiet Title Action lawsuit document from our website, Just click on the Documents link.

    It is a civil complaint that he can file against the lender if he feels he has some legal merits, such as fraud in the loan origination, or if he feels that his loan has been securitized, and the lender cannot prove that they actually own his mortgage. (Please refer to our website for information about securitized loans)

    Whatever he decides to do, we caution him to take action ASAP, as the longer he waits, the lower the chances of his succes in getting his property back. He should take action right NOW!

    Admin.

  492. Comment by Babes — March 2, 2011 @ 8:41 pm

    Hi,

    My brother lost his property to foreclosure on Feb. 24, 2011 and it was sold back to the lender. What can he do to get it back. Were can he start in this program?

  493. Comment by revolt — February 28, 2011 @ 1:20 pm

    Marina,

    As you may be aware, Bank Of America, and other banks have been guilty of stringing homeowners along, promising a loan modification, and while the homeowner waits for the modification, the bank files foreclosure on the home. Bank Of America is being sued by the State of Arizona Attorney Generals Office for this exact same behavior.

    So, we are gratified that you are being proactive by ordering the “90 Day Take Back Program”. We always recommend that if possible, you continue to pay your mortgage until the reconveyance is complete. This way, you can complete the process without the added stress of dealing with defending the foreclosure proceedings simultaneously.

    You will have acquired all of your evidence against the bank, and revoked any authority for the trustee to execute any trustee sale of the property, and will have documented and recorded evidence of their lack of legal authority, all before any foreclosure attempts have been started.

    Admin.

  494. Comment by Marina — February 28, 2011 @ 12:11 pm

    I live in Los Angeles, California, The bank has been denying a loan modification for two years. I have stopped making the payments this month, I’m about to buy The 90 day program, should i keep paying my mortgage until i get results?, what do you recommend?
    I’m so glad i found this site!

  495. Comment by revolt — February 23, 2011 @ 11:15 am

    Ken,

    We had considered charging a back-end fee once reconveyance was completed, but decided that we would waive that fee for now. So, you will never be charged any additional fees, other than the $1,495.00 cost for the 90 Day Program.

    Admin.

  496. Comment by ken — February 23, 2011 @ 9:35 am

    So the up-front fee for the 90 day program is $1495.00 and when I looked at you FAQ it states more fees are a coming is that correct?

  497. Comment by revolt — February 19, 2011 @ 5:54 pm

    JD,

    Whatever you look for you will find. If you’re looking for flaws, then the mind will create them through some form of rashionale. Your comments are a bit difficult to understand, as they are not clear and concise, but we will attempt to address them as best we can.

    So far, your comments have not established any flaws in the process. It is your lack of understanding of the process which seems to be creating issues that do not actually exist. For example, you state that the administrative process seems to have nothing to do with loans or mortgages, and you seem to insinuate that this is a flaw. Yet again, it is your lack of understanding which is creating this flaw in your mind.

    Here’s why. The administrative process was designed and enacted to give individuals an opportunity to resolve disputes outside of the judicial system. In other words, there is a procedure to resolve issues without filing a lawsuit. The admministrative procedure is not confined to loans or mortgages. It is applicable to any and all disputes that might need to be resolved. So this is why in your reading of the administrative procedures it does not specifically isolate loans and mortgages. It is an administrative procedure provided to individuals in order to cover all disputes, not just loans and mortgages.

    You state that you “believe its more nitty gritty”. Unfortunately, we have no idea what that statement means? Next you point out some hypothetical example to insinuate more flaws. You state: “what if someone clouded the title without his loan documents as a reference to back up his claims of the lenders failure to disclose? Wouldn’t the bank just claim that they disclosed it putting the burden of proof back on the Movant? I just think these are some nuances that could disrupt the “air tight” nature of this process.”

    First of all, our program takes our clients step-by-step in how to implement the program, and we would never have our clients cloud the title without referencing their loan documents as evidence to support their argument of the lender’s failure to disclose. Here you have attempted to creat a scenario, which would not exist in order to create a flaw in the process. Again, when the program is implemented properly, your scenario cannot exist. Its a flaw you have attempted to create without success.

    Your next statement was: “Wouldn’t the bank just claim that they disclosed it putting the burden of proof back on the Movant? I just think these are some nuances that could disrupt the “air tight” nature of this process.” Here your lack of legal knowledge is apparent. You assume that the homeowner is the movant in your scenario. This assumption is flawed, because in judicial states the homeowner is usually the Defendant, and not the Plaintiff, or movant as you assert, and therefore, the burden of proof would be on the lender.

    Therefore, the burden of proof shifts based on the homeowners position in any possible litigation. However, lets assume that in your scenario the homeowner is the movant, and the burden of proof is on him. The burden of proof is based on the evidence produced, or not produced. If the homeowner produces evidence that the lender failed to provide full disclosure as required by TILA, and the lender cannot produce any evidence to the contrary, then the homeowner prevails.

    The lender cannot just claim that they disclosed information. They must support their claims with evidence. If they don’t then their claims mean nothing in a court of law.

    You will need to come up with some new “nuances that could disrupt the “air tight” nature of this process.” As the ones you have asserted do not hold water, and are poor examples of scenarios that could not even exist. You will need to acquire much more knowledge about the process, and perhaps something like the 14 years of civil litigation experience we’ve acquired, before you will be in any position to attempt to point out flaws in the administrative process.

    Admin.

  498. Comment by revolt — February 19, 2011 @ 4:59 pm

    Ken,

    If the bank did not ackowledge receipt of your QWR #1 within 20 business days, they have failed to comply with Federal law pursuant to RESPA. Be sure you sent the QWR certified return receipt mail, so you can prove they received your document.

    You do not need to use QWR #2. We recommend you read the “90 Day Take Back Program” parts 1 & 2. The “90 Day Take Back Program” seems to be your best solution, since the bank is not responding to your documents. It will allow you to reconvey the property title back into your name, giving you back control of the property free & clear!

    You can file the TILA Rescission Notice, but you will need additional steps that will need to be taken for title reconveyance. The “90 Day Take Back Program” includes the TILA Rescission Notice, along with all of the additional documents required in order to complete title reconveyance.

    Admin.

  499. Comment by ken — February 17, 2011 @ 6:10 am

    Just back to work from a year of being laid off and money is short! Bought tha QWR#1 and need to know if they did not respond in 20 days (they have 60 days) do I use the QWR#2 or should I use the TILA recission notice.

  500. Comment by JD — February 16, 2011 @ 6:27 pm

    I’ve tried to read the administrative procedures act and it seems to have nothing to do with loans and mortgages. And also, I don’t know, what if someone waived their right to presentment in their loan agreement? How could this process work for them? A dear friend is really peaked on this process and I don’t blame him for being so, but this process is made to sound air tight, where as I believe its more nitty gritty. And also, what if someone clouded the title without his loan documents as a reference to back up his claims of lenders failure to disclose? Wouldn’t the bank just claim that they disclosed it putting the burden of proof back on the Movant? I just think these are some nuances that could disrupt the “air tight” nature of this process.

  501. Comment by revolt — February 16, 2011 @ 10:23 am

    Ken,

    Order our “90 Day Take Back Program”. It will reconvey the title back into your name. Also read the “90 Day Take Back Program” parts 1 & 2 on our website for information about the program. Don’t be another victim of a bank who is pretending to own your mortgage. If they can’t prove they own your mortgage, then its time to take your property back free & clear!

    Admin.

  502. Comment by ken — February 16, 2011 @ 7:04 am

    What program do I purchase to get the title back in my name?I live in Wisconsin and sent the bank (servicer) a letter to produce the note but it’s been over twenty days with no response.

  503. Comment by revolt — February 12, 2011 @ 4:20 pm

    JD,

    The options are somewhat dependent upon the state, or jurisdiction. However, in general, one could file a quiet title action against the lender, which ask the court to settle the title dispute, and remove the lender from the title, leaving you the sole individual on title, and obtaining the property back free & clear. This assumes that your lender cannot produce the required documents which would establish that they have any legal standing upon which to pursue foreclosure.

    Admin.

  504. Comment by JD — February 12, 2011 @ 12:42 pm

    Interesting. And if they carry out the foreclosure anyway, how can one possibly go about stopping the matter?

  505. Comment by revolt — February 12, 2011 @ 2:30 am

    JD,

    The most likely charge that a lender would attempt to level after a title reconveyance has been completed, would be the charge of Fraudulent Transfer. This is why our “90 Day Take Back Program” was designed in full compliance with the Uniform Fraudulent Transfer Act. We have anticipated this possible attack, and protected our clients from this attack before it is ever even made.

    As to your second question about the lawyer who said 2 judges told him that recording a release of lien without the proper authorization is an act of criminal fraud. Well, we’re not sure its a criminal act, because foreclosure matters are civil matters. However, an unauthorized recording of release of lien surely could be alleged to be an act of fraud.

    However, the key distinction in our program is that the recording of the release of lien is authorized under the law. We have 14 years of civil litigation experience, and we adhere strictly to all State and Federal laws. Additionally, if you understood the elements required in order for the bank to prove fraud, and under the law the burden of proof is on them to prove their allegations, you would understand that the burden is especially high.

    Among some of the elements that must be proved are, the bank must prove that you intended to commit fraud by intentionally attempting to avoid paying a debt. In our program, they cannot prove this. The bank must also prove that you made misrepresentations in the process of the reconveyance with the intent to commit fraud. Again, with our program the bank cannot prove this. It is extremely difficult to prove what someone’s intent was at a specific time. You would literally have to be inside a person’s head, which is impossible, unless there was overwhelming circumstantial evidence that might indicate what the person was thinking at the time.

    Bottom line, we’ve already anticipated this, and made provisions to protect our clients. Be careful of listening to these lawyers. Most of them know absolutely nothing about the administrative procedures act. They don’t study it in law school, and therefore it is outside of their knowledge base. Judges will make statements like “its a criminal act” to scare people off, but they don’t tell you that based on the fraud comitted by the bank, and based on other legal theories, you are authorized under those circumstances to record a release of lien legally.

    Admin.

  506. Comment by JD — February 11, 2011 @ 3:01 am

    Hello,

    I’ve heard about this program and I have a couple questions. First, if I completed this 90 day program and the lender attempted to sue me for the cloud on the title I created, what’s the most likely charge they would level in court? Second, a lawyer said on his website that two judges told him recording a release of lien without the proper authorization is an act of criminal fraud. If you think it’s not, I hope you might explain why? thx

  507. Comment by revolt — January 28, 2011 @ 5:44 pm

    Annabelle,

    We are here to help the little guy/gal. The average homeowner who needs to be empowered by the knowledge and information required in order to fight to save their home. We are gratified that we have been of assistance, but keep us informed, as the fight has just begun, and there is much more knowledge that must be imparted upon you, so that you can fight your mortgage WAR and WIN!

    Admin.

  508. Comment by Annabelle G. Bartolome — January 28, 2011 @ 3:21 pm

    Thank you! I am in a foreclosure and you gave me all the facts I
    needed to assert my rights as homeowner. I will call you for further
    consultation.

  509. Comment by revolt — January 27, 2011 @ 3:39 pm

    Jamison,

    Again, as you are a paid “90 Day Take Back Program” member, please direct your questions to the dedicated email consultant address that we provided for you. Certain information is for members only.

    Admin.

  510. Comment by revolt — January 26, 2011 @ 9:27 am

    Jamison,

    We’re here to assist you, but please take some initiative to do your own due diligence. How easy would it be for you to call them and ask them yourself if they will take your documents? We would think that assurance directly from the source would be an even better assurance than from us.

    Our team has been in Nevada all week in litigation, and we are extremely busy. We don’t have time to answer questions that you could answer for yourself. Please do some due diligence of your own before submitting questions to us. Thank you.

    Admin.

  511. Comment by Jamison — January 25, 2011 @ 9:31 am

    Are you sure this other recorder you have provided for me will accept my documents? I’d like to get some sort of assurance from you before I get them there

  512. Comment by revolt — January 24, 2011 @ 4:24 pm

    Jewel,

    The “90 Day Take Back Program” is authorized in all 50 states, and has all of the documents included that you will need in order to complete the administrative process, and takes you step-by-step through the process. You should understand that the “90 Day Take Back Program” is an administrative process, meaning it does not involve any court proceedings, or require you to appear before a judge.

    A civil complaint is a judicial proceeding, and would require that you appear in court. The 2 documents that you purchased are not included in the “90 Day Take Back Program.” They are standalone documents.

    Admin.

  513. Comment by jewell — January 23, 2011 @ 1:19 pm

    In your previous e-mail to me, you mentioned that you have a document for civil complaint, but not for my state. Does the 90 day program have all of the documents for my state which is Louisiana. When we purchase the 90 day program, would we need other documents that would have to be drawn up that we would have to pay extra for that’s not in the 90 day package in order to proceed in this case? We would like to know also does the 90 have the other 2 documents we’ve already purchased in it.

  514. Comment by revolt — January 21, 2011 @ 7:01 pm

    Jewell,

    The banks usual reply is to send you a bunch of documents that do not fully comply with your request. This is typical. Also, there statement that your request did not include “a statement as to any presumed errors on the account” is also another tactic used by the banks to avoid complying with your request.

    Your QWR is governed by the Federal law provisions of RESPA 2605(e), which clearly states that the loan servicer must provide “information requested by the borrower, or an explanation of why the information requested is unavailable, or cannot be obtained by the servicer.”

    Additionally, the Uniform Commercial Code (UCC Article 3, Section 3-501 (b) 2 (i)) also clearly states that “Upon demand of the person to whom presentment is made, the person making presentment must (i) exhibit the instrument.” You are making a demand pursuant to the above-mentioned legal authorities, and both laws require that they present the document/instrument to you, or provide you with an explanation as to why it is unavailable, or be in violation of Federal Law.

    It appears that your loan has been sold to FNMA (Fannie Mae). If this was not the original lender listed on your promissory note, or trust/mortgage deed, then it is an indication that they may not be capable, or do not have the promissory note, which is required in order for them to establish they are the owner of your mortgage.

    As for the “Notice Of Fraudulent Transfer” that you sent them, you sent this document only to document the fact that they were duly noticed. That’s all. The reason for your sending the QWR was to gather information and evidence. The result of your inquiry has revealed that your loan was sold. This is one of the things you wanted to discover.

    Keep in mind that their failure to comply with RESPA Federal law is evidence you are now compiling against the bank for future reference. So, don’t be thrown off by their attempts to avoid complying with your request.

    This is where the “90 Day Take Back Program” takes over, as it takes you step-by-step through the remaining procedures on how to respond, and move forward in dealing with your lender.

    Admin.

  515. Comment by jewell — January 21, 2011 @ 3:14 pm

    We received docs today from our mortgage company with an outline of information, which was in response to my QWR, it it says please find enclosed copies of the following which was nothing but the same copies we have when we purchased our home. their letter also said that my copies were self explanatory and that our request did not incl a statement as to any presumed errors on the account. Then on a separate sheet it has the name of the note holder which was Federal Nat’l Mortgage Assoc. which we knew nothing about them until now; but the original mortgage company says please send all payments to us, not the note holder. I need to know how do we respond to this? We sent the notice of fraud to them which they haven’t answered yet, it was sent certified. They think they have everything sewn up.

  516. Comment by revolt — January 21, 2011 @ 11:52 am

    Lillian,

    If you can establish that the good faith estimate was forged, that is a Truth In Lending Act (TILA) Federal violation. You could sue your lender based on that violation.

    Admin.

  517. Comment by Smurf — January 21, 2011 @ 5:21 am

    Also I just notice that our good faith estimate was forged with my husband signature is their anything we can do about that

  518. Comment by revolt — January 18, 2011 @ 4:57 pm

    Sheila,

    Just sent you a full response directly to your email, as you are already a “90 Day Take Back Program” member, and have email consultation privilages.

    At any rate, the lender is full of it when they say that they are not subject to USC Title 18, because the note was not filed with any public office of the United States. These freakin banks are simply scandalous liars.

    As we are mortgage loan professionals, we know that a purchase, or refinance loan does not close until the promissory note and trust/mortgage deed have been recorded. Those documents are recorded at the County recorder’s office, which is a public officer of the United States.

    The bank just blatently lied to you in order to avoid having to comply with your request, as most likely they know they cannot produce the documents that would establish their ownership of the debt.

    Admin.

  519. Comment by Sheila Stuppy — January 18, 2011 @ 2:34 pm

    Hi Matt,

    I purchased the 90 day program in early December as I had a loan mod pending, in an effort to delay a sale. I filed the QWR and the lender and trustee received them on December 23. I received a letter dated January 3, 2011, stating they would not be providing me with the Original Note, “because ASC is not subject to USC Title 18, Part 1, chapter 2071, as the Note was not deposited or filed with any judicial or public officer of the United States.” My loan modification was removed from consideration on Dec 17, because I did not sign the docs as I had verbally requested an accounting of how the new mortgage balance was accounted for. Yesterday my tenant called and said she is being swarmed by a Realtor to play cash for keys, as the house has been foreclosed on–Wells Fargo foreclosed on Jan 11, 2011, with no new published notice of sale. HELP—where do I go from here…

    Sheila in Las Vegas

  520. Comment by revolt — January 16, 2011 @ 9:32 pm

    Jewell,

    We have emailed you spcific instructions on how to file the “Notice Of Fraudulent Transfer” document. Please check your email. As for your question about filing a civil complaint, keep in mind that we are not attorneys, and we do not represent you as your attorney, and by law are not authorized to give you legal advice.

    With that said, we can provide you with legal information, and it will be up to you to decide how you move forward. You can file a civil complaint against your mortgage company or lender, and the effects of this, should you file an injunction to stop the foreclosure sale, and should the court grant your injunction, will stop the foreclosure sale of your property, until such time as the court decides your civil complaint. This will definitely buy you some time to gather evidence that may prove that your lender does not have a right to foreclose on your property.

    We do have civil complaint documents, but not for your specific state at this time. We could customize a document for you upon request, and would require a deposit to draft such a document for your state. We will research what other documents you might file with your BK attorney that might also assist you in fighting your foreclosure and get back to you on that.

    However, please keep in mind that we provide legal document services to our customers, and only provide consultation to those clients who have purchased the “90 Day Take Back Program.” Although we would like to assist all of our subscribers, we must confine our consultations for those customers who have purchased the above-mentioned program, as it would be impossible for us to provide free consultations for all who are in need. Unfortunately, there is just not enough time, and our customers who have purchased the program must receive priority.

    We provide telephone consultations at $125.00 per hour. If you’d like to arrange for one, please let us know. Other than this, we try to answer basic questions here on the comments board to assist our subscriber’s with helpful information.

    We suggest that you also seek legal assistance from your local legal aid organization if you feel that your bank is fraudulently attempting to foreclose on your home.

    Admin.

  521. Comment by jewell — January 15, 2011 @ 10:43 pm

    I downloaded today the form to file the notice of fraudulent docs so that I can file with the county recorder’s office. Do I file a civil law suit during this time as well against my mortgage company? Is there another form for this? I don’t want to continue to wait to see if they respond to my first certified letter docs that I was told by your company to send?I do understand that time is of essence but I also downloaded everything I was told, now I need to know who gets the copies of the notice of fraudulent docs other than the title company, the attorney for the mortgage company, MERS? My ch 13 attorney, The ch13 trustee, who? Please tell me something.I can’t afford to be a sitting duck.

  522. Comment by revolt — January 14, 2011 @ 4:12 am

    Hanna,

    Its hard to say, because we are not aware of the steps you took to revoke the power of attorney. Did you also file a substitution Of trustee? How did you file the revocation of power of attorney? Can’t provide an accurate response without accurate information.

    Admin.

  523. Comment by revolt — January 14, 2011 @ 3:40 am

    isavehouses,

    We apologize for the error. The reference to the “oposition To Motion For Summry Judgment” was a typographical error. It should have said “Emergency Motion To Vacate Judgment.” We have corrected the error. You have the document that you need. You do not need the Opposition To Summary Judgment.

    You will need to serve a “Notice Of Motion Hearing” on the bank’s attorney, and it needs to also be filed with the court, to show that the bank has been made aware of your motion, and the time and date. The “Notice Of Motion Hearing” is available for download from our website Now!

    Admin.

  524. Comment by Hannah — January 13, 2011 @ 2:17 pm

    I understand that when we revoke the power of the attorney, the lender is supposed to stop the foreclosure process. I keep checking on the status of my property and see it still having a sale date. What is that supposed to mean? It is very frustrating……….

  525. Comment by isavehouses — January 13, 2011 @ 7:38 am

    Yesterday I purchased the “Notice of Fraudulent Transfer of Title and Interest” and I purchased the “Defendants Emergency Motion to Vacate Judgment”..

    The instructions for the Emergency to vacte Judgment states that I need to also file an “Opposition to Summary Judgment Motion” and a Notice of Hearing with the court. The purchase did not include these documents and I do not see them in your list. Can you please send me the link to get these documents?

  526. Comment by revolt — January 12, 2011 @ 12:01 am

    Jewell,

    If it is your intention to reconvey the property title back into your name, you will ultimately need to move forward with the “90 Day Take Back Program” as it has been our experience that the banks almost never comply with your request to validate their ownership of your mortgage. They will basically try to stall, bluff, and intimidate you into not challenging them.

    However, you have an additional issue to address, which is you appear to be in bankruptcy. We recommend that you resolve your bankruptcy issue before moving forward with the reconveyance. You can dismiss the B.K., or challenge the bank’s legal standing in the B.K. court, before moving forward with any reconveyance efforts.

    Keep in mind that by law, we cannot give you legal advise, and recommend that you consult an attorney about your situation.

    Admin.

  527. Comment by revolt — January 11, 2011 @ 11:49 pm

    Ken,

    We make the referral on your behalf, and the law office set their own fees.

    Admin.

  528. Comment by Ken — January 11, 2011 @ 5:54 pm

    Hi!Matt can you respond about your affiliated lawyer’s fee in L.A. in case I need to get one during the judicial process.Thank you!

  529. Comment by jewell — January 11, 2011 @ 4:35 pm

    On January 4, 2011 we sent a certified mail to our mortgage company along with a certified copy to our ch 13 attorney. I know it’s a bit early to hear back from them, but my question is, should we be prepared to order the 90 day plan before hand or should we wait to see what the response would be from them? In oter words what would be our next step just to be ahead of the game?

  530. Comment by revolt — January 10, 2011 @ 12:13 pm

    Jamison,

    They are not responding in hopes that some law will change, as contract law upon which negotiable instruments are founded, date back to the eighteen hundreds, and have not changed, nor are they likely to change anytime in the near future. The banks are fully aware of this fact.

    As you stated, they are responding to psyche you out. Think of it as a game of high stakes poker. They know they don’t have a winning hand, but they bluff by raising the ante anyway, in order to get you to throw your hand in, either hoping that you won’t have enough money to call their bluff, or in order to make you believe that you don’t really have a winning hand, when you actually hold all of the aces.

    However, you can’t win unless you call their bluff by exposing their hand. This is the poker game they play with every homeowner.

    There are many recent cases, including ones on our website, that validate and support our position, where the banks have bluffed by attempting to foreclose on homes that they absolutely new they couldn’t prove they owned, but when the homeowner called their bluff, and forced them to produce some evidence that they had any standing to foreclose, the bank was forced to reveal their hand, and their hand possessed no aces. The court threw their case out, and the homeowner kept their home by forcing the bank to reveal their hand, and calling their bluff.

    Admin.

  531. Comment by Jamison — January 10, 2011 @ 5:51 am

    Thanks for the clear and concise response – I feel empowered! So basically, they are continually responding (even though they have no legal merit) in the hopes that some law will change stating they do not need to disclose that particular information retroactively giving them the ability to have standing to foreclose on your house? Or are they continually responding to psyche me out? It was stated earlier that my particular bank was in the habit of continually responding.

  532. Comment by revolt — January 10, 2011 @ 2:45 am

    Lillian,

    One of the first things you want to do is to determine if the lender who claims to own your mortgage, actually still owns it. You need to find out if your loan has been sold to other investors. You can start by sending out a qualified written request document to you lender which ask them to verify, or validate that they are the owner and holder of your promissory note, which can be downloaded from our site, and if you want to go further, you could purchase a Forencis Loan Audit at a cost of between $700.00 to $1K.

    The best thing you can do is to educate yourself by reading the information contained on our website, and other websites. Our “The Promissory Note defense” Manual would be a good start for you, or our “Take Your Property Back Step-By-Step” Manual would be of powerful assistance as well.

    Empower yourself with knowledge.

    Admin.

  533. Comment by revolt — January 10, 2011 @ 2:26 am

    Daniel,

    You merely have to read some of the comments and responses to discover some of the intimidation tactics that banks have implemented in order to throw off uninformed homeowners.

    On this blog alone, we recently responded to the banks saying the homeowner can’t prove non-disclosure, the qualified written request did not constitute a legally binding QWR, that because you signed the promissory note, you are still obligated to pay them. ect. These are some of the tactics employed.

    If you want to reconvey your father’s properties, there are no issues that would prohibit you from doing so, as long as the documents contain your father’s signature. There are also other ways around this if your father is incapacited in some form.

    Admin.

  534. Comment by revolt — January 10, 2011 @ 2:19 am

    Jamison,

    This is double talk. In a court of law, you must produce evidence to establish any arguments you are making, or alleging. If you claim that you have fully disclosed information, then you must produce some evidence of that fact. If you don’t produce that evidence, then a court would have no choice but to determine that the alleged evidence does not exist.

    If there is no evidence that the bank has made full disclosure, then a court of law would be left with no other determination but to rule that, as no evidence of disclosure was ever produced, it must be found that no disclosure was made by the bank. This is just a basic deduction of logic.

    Look, technically, yes, the mere absence of a particular disclosure may not be evidence of non-disclosure, because they may have served you with a particular disclosure, and you may have lost the disclosure. But they would have to prove that they served you with the disclosure, and without that proof, a court would be forced to determine that no evidence of full disclosure was establshed, as the bank has failed to produce any evidence that they had indeed provided you with the disclosure.

    This is just a small sample of the word games, and double-talk the banks will engage in to confuse, intimidate, and stall homeowners who are seeking to force the banks to prove that they have any legal rights to their properties.

    Basically, their response was designed to throw you off, and say that until you make them prove that they failed to disclose, they’re sticking to their guns. They’re bluffing, hoping that you are ignorant of the law, and will be scared off by their response. This is why it is important to due your own homework, because it is only the knowledge of the truth that will sustain you when you are having to fight your mortgage war to WIN!

    Admin.

  535. Comment by Jamison — January 9, 2011 @ 4:38 pm

    The bank said, the mere absence of a particular disclosure is not evidence of non-disclosure. What could they possibly mean by this?

  536. Comment by Daniel — January 7, 2011 @ 5:45 pm

    Hello,

    Could you please outline the intimidation tactics that banks may use during the 90 day Take Back Program?

    If I purchase this program for the purpose of reconveying properties on behalf of my father’s ownership (in other words the properties are his) and (current on all payments to all banks) is there any issue with this scenario?

    Thank you for the amazing opportunities that you provide!

  537. Comment by revolt — January 7, 2011 @ 9:44 am

    Daniel,

    Please keep in mind that the email consultation address is for those clients who have purchased the “90 Day Take Back Program.” It is to provide support for them, while they implement the administrative process.

    Admin

  538. Comment by Daniel — January 7, 2011 @ 8:12 am

    Can you please provide the email address that is used for email consultation?

    Thank you!

  539. Comment by revolt — January 6, 2011 @ 11:27 pm

    Faduma,

    She has no idea about the process, and is just doing what her supervisor is telling her to do. She is basically stalling.

    Admin.

  540. Comment by revolt — January 6, 2011 @ 11:11 pm

    Faduma,

    You can call the Toll Free Number (877) 365-2528. Leave your name and number if our agents are busy. We offer 1 FREE phone consultation. However, additional phone consultations are charged at $150.00 per hr. Email consultations are FREE of charge if you have purchased the “90 Day Take Back Program.”

    Admin.

  541. Comment by revolt — January 6, 2011 @ 10:08 pm

    Faduma,

    You may think that you don’t need the full 90 days package, but based on what you have stated to us, and based on the fact that you seem not to know how to move forward in your situation, or how you should be responding to the bank, or who you should be directing your documents to, our experience tells us that you do indeed need the entire package.

    If you had the benefit of understanding the full process, as we do, and the 14 years of civil litigation experience that we have, you would then understand what your true needs are. You have only scratched the surface, and just started the preliminary process, and now it seems that you’re trying to figure out where to go from here.

    Some people make the mistake of starting out the process without fully educating themselves about it, and then end up in a similar situation as yours, wondering what is their next step.

    We cannot break up the program for every individual who may have started, but cannot complete the process, as we have no way of knowing if the steps that they have taken from the beginning were legally sound.

    So, we can only provide you with our opinion, but ultimately it is up to you to decide how you will move forward from here, and whether or not you need our full program. Notwithstanding, whatever you decide is best for you, we respect your decision, and wish you all the best!

    Admin.

  542. Comment by revolt — January 6, 2011 @ 9:39 pm

    Lillian,

    Download the “90 Day Take Back Program” while you still have time before the bank starts the foreclosure countdown.

    Admin.

  543. Comment by Lillian — January 6, 2011 @ 8:38 am

    How do I start fighting back.We are not in forclose yet.

  544. Comment by Faduma — January 5, 2011 @ 6:37 pm

    Is there anyway I can speak with someone? so I can explain what we and where to continue I don’t think we need the full 90 days package, but I could be wrong.

  545. Comment by Faduma — January 5, 2011 @ 2:50 pm

    Yes we did file notice of fraud with Chicago Title that’s way they opened the claim and are still investigating, earlier today a women called me from the CEO office and said to me that my husband and I have signed the loan that is all the proof the bank is going to need that proofs there is debt we owe and we have to pay as we signed the NOTE and DEED of Trust, and all the document we have sent to them they will not answer because she have seem them before they have been downloaded from the internet I told her no they were not downloaded from the internet and since the bank is claiming there is debt then you will have to proof it and show us who’s the real party of interest, and who is the trustee she could not answer to me she said that she read the pocked we sent to her again and do more research and get back to me

  546. Comment by revolt — January 5, 2011 @ 12:47 pm

    Faduma,

    Did you file a Notice Of Fraudulent Transfer with Chicago Title? If not, you should do so, as they will also have a document on file which asserts that there is a controversy as to whom is the rightful title owner, and they should not issue any new title insurance on the property until that dispute has been settled.

    This way the there will be a cloud on the title, and no new investor will dare purchase the property without clear title. You can download the “Notice Of Fraudulent Transfer” document from our site. However, this alone does not protect you because if the lender attempts to foreclose on the property, and sell it to another investor, they could use another title company that will provide title insurance. This is it is critical that your documents be filed with the proper agencies.

    Download the “90 Day Take Back Program” so you can be properly directed.

    Admin.

  547. Comment by Faduma — January 5, 2011 @ 11:14 am

    I am in Washington State, my deed of trust shows the TRUSTEE is LS title of Washington I have called bank of America they have no idea who LS of Washington is and the investors of my loan is Fannie Mae and Freddie Mac was also recorded with MERS, Chicago Title is the one whom insured when the house was purchased and they are the only who can open the claim so far everyone involved has all the document that needed to be sent, but again boa are telling they are the trustee and LS Title is also the trustee to be honest they have no idea as the loan was with Countrywide since 2008 when they were purchased by Bank of America and they told me they have same document Countrywide had so my loan could be the loans that have been saled to inverters all over the world that none has the proper document for.

  548. Comment by revolt — January 5, 2011 @ 1:35 am

    Daniel,

    The “Houdini Debt Elimination Program” launch date is subject to our litigation schedule. Hopefully in the upcoming weeks.

    Admin.

  549. Comment by revolt — January 4, 2011 @ 11:32 pm

    Thank you for your understanding.

    Admin.

  550. Comment by revolt — January 4, 2011 @ 11:24 pm

    Faduma,

    We are familiar with the documents you have attempted to file, although our documents are titled differently. You stated that you sent these documents to Chicago Title Insurance. Are they the appointed Trustee pursuant to the promissory note and trust deed? If they are not, then you are sending your documents to the wrong entity. By the way, what state are you in? Judicial or non-judicial?

    You apparently learned something about the administrative procedures. Where did you get your information from? It is important that you fully understand what, and why your doing it. You seem to be waiting for the bank to give you a certain response, and that indicates to us that you do not truly understand the process. You need to fully understand the process, as just starting the process is of no value if you don’t know how to finish it.

    It is also extremely helpful to understand, and have knowledge of the judicial process, and litigation experience to properly implement this process.

    If they have not complied with your request, and you fully understand the process, then you should know what to do next. If you don’t know what to do next, then you have implemented a procedure that you do not know how to complete, which was ill advised.

    That is why through our “90 Day Take Back Program” we take our clients step-by-step through the process, and encourage them to do their own homeowrk, so that they are fully prepared, and completely understand why they are doing what their doing, and how to complete the process to achieve their ultimate goal of reconveyance.

    Our training also helps to provide you with the confidence to combat all of the bank’s intimidation tactics, which they will surely employ to throw you off track.

    We recommend that you download our “90 Day Take Back Program” to help you complete the process, and also correct any mistakes that you may have made during the process.

    Admin.

  551. Comment by faduma — January 4, 2011 @ 2:07 pm

    I am not sure what info you need, but are you familier with notice of claim, notice of misstake and judgement orders, you might use deferent setting of document. I send notice of mistake and notice of claim to chicago title insurance and they have assigned to “claim consoul person whos is being contacting me give me claim number and said they are investigating and will let us with their finding.
    I am not afraid of Bank of America I have been talking to person who has my loan after i have complained the fraud the bank was doing shes at the bank of america’s president/ceo office. And no they are not responding my claim nor they are sending me any proof of the promosry note, just letter stating the loan is in full force we are your servicing company and cop of the note and deed from closing document

  552. Comment by faduma — January 4, 2011 @ 1:40 pm

    please dont missunderstand me I do appreciate all the info i can get i just thought you guys are always online my apology.

  553. Comment by revolt — January 4, 2011 @ 1:14 pm

    Faduma,

    Please understand that we respond to our clients comments as soon as we possibly can. However, we are extremely busy litigating cases in the states of Florida, California, and Nevada, Maintaining the website, drafting new documents for our clients, and taking care of many other duties and responsibilities, and cannot always respond as quickly as we might like to.

    Another thing to keep in mind is that we are offering FREE consultations to our clients here, which would cost them hundreds of dollars per hour if they were to receive the exact same information from a licensed attorney, and in manycases, we are providing information that licesned attorneys don’t even know. So please show us some appreciation for the FREE consultations, and recommendations we are providing to you by being patient until we can respond to your inquiries. Thank you.

    Admin.

  554. Comment by revolt — January 4, 2011 @ 1:05 pm

    Faduma,

    What kind of claim. Please provide the title of the documents filed with your title insurance company, and what cooperation you received from them.

    Admin.

  555. Comment by revolt — January 4, 2011 @ 1:01 pm

    Faduma,

    It is hard to make recommendations without full information regarding your specific situation. However, you must not be intimidated by the bank. Of course they are going to tell you that they found no mistakes. What do you think they are going to say. This is why we encourage our clients to really do their homeowork, so that they can be confident in the process, and withstand the bank’s intimidation tactics as they pursue title reconveyance.

    If they haven’t complied with your QWR, then they are in violation of Federal law. If they have not produces a promissory note, or proven that they are the holder of the note, then they do not have legal standing upon which to pursue foreclosure.

    Apparently, whoever you got your reconveyance information from, did not properly prepare you mentally, and psycologically for the fight that one may encounter from certain banks.

    Admin.

  556. Comment by revolt — January 4, 2011 @ 12:53 pm

    A.J.,

    As you might imagine, we get all of the skeptics coming out of the woodwork to denouce our program. Our position is this, we are not here to convice you that it works. That’s your job to due your own due diligence and research to convine yourself if the laws, facts, and legal authorities support our claims.

    We try to provide you with all of the information necessary which support our claims, such as directing you to the Administartive Procedures Act Of 1946, upon which our program is based, and the Uniform Fraudulent Transfer Act, the book “Modern Money Mechanics” by the Federal Reserve Bank, The Truth In Lending Act, and The Real Estate Settlement Procedures Act. These are all of the laws that support our claims, and its up to you to do your own homework to determine if its to good to be true, or not.

    We don’t ask you to take our word for anything we claim. We ask you to due your own homework, and research, then make an informed decision as to what you choose to believe, as it is unadvisable for one to make uinformed judgments until after they have intelligently gathered all of the information required in order to form an intelligent opinion.

    We have been providing our program since 2006, and have had success against Wells fargo and Bank Of America. The homes do not need to be owner occupied in order to successfully implement the program.

    We are not aware of any sites at this time which provide independent reviews of our site. However, a so called site offering an indepemdent review, does not necessarily guarantee that the views of that site can be validated. You could go there and read their information, but how do you validate that what they have to say is true, or not?

    That’s why we refer you to the laws which govern our procedures. The law is not based on reviews or opinions, they are based on the facts. This is why we refer you to these laws, so that you can make an educated, and informed decision about our program, before moving forward.

    At the end of the day, we are here trying to provide homeowners with options, and solutions to fight back against the corrupt banksters. The “90 Day Take Back Program” is but one solution. If you feel that it is not the one for you, then we respect your decision, and wish you the best of luck with your possible foreclosure situation.

    Admin.

  557. Comment by Andrew Levis — January 4, 2011 @ 11:07 am

    I appreciate all the comments and info on your website.

    I am in the North Bay area of Northern California and would like to know how long your 90 day program has been around and if anyone has successfully gone through it with Wells Fargo Bank or Bank of America in California.

    I also wonder if the home needs to be owner occupied in order to work.

    Are there any sites with independent reviews of your site, program, documents, or assistance. I’m sure you understand that money is scarce and your promise of a home free and clear sounds too good to be true.

    Thank you for being so responsive to so many people individually.
    A.J.

  558. Comment by Daniel — January 4, 2011 @ 10:56 am

    Can you tell me when the “Houdini Debt Elimination Program” will be available?

    Thank you

  559. Comment by faduma — January 4, 2011 @ 6:42 am

    Hello is anyone there to answer?

  560. Comment by faduma — January 3, 2011 @ 10:24 am

    We also have claim open with title insurance company

  561. Comment by faduma — January 3, 2011 @ 9:49 am

    our loan is service by Bank of America we send loan cancellation thats is recorded with the county and notice of mistake judgement order to the president, ceo and risk management so they assgined to a women whos negotiator at the ceo office so she sent us back copy of the note and deed of trust and letter stating “sorry you feel we defrauded your loan, so we found no mistake therefore your loan is in fullforce adn you will have to pay in full till the end otherwise we will foreclose you” so at this point not sure what to do

  562. Comment by revolt — January 2, 2011 @ 8:25 pm

    Mohk,

    First , we need to know if you are In Pro Per (self represented), or do you have an attorney representing you? If you are In Pro Per, you may not have understood the court proceedings. The court will always issue a ruling, or if they don’t, will give a reason as to why no ruling will be issued.

    You state that the court took no action because of your pending loan modification, but the court would normally either stay (freeze) the court proceedings until a determination of the loan modification has been rendered, or schedule a status hearing several months in the future to get an update on the loan modification status. Your court should have a website, where you may be able to look up the court docket (history of all documents filed in your case), and further determine how the court ruled on the date of your court hearing.

    At any rate, with the limited info. provided, it sounds like you need to download the “90 Day Take Back Program” to get started on the reconveyance of the title. This will also depend on how much time you have before the next court hearing, and will also assist you in acquiring important evidence from the lender.

    Additionally, we are assuming that you filed an answer to the foreclosure complaint. If so, we would also recommend that you download the “Notice Of Fraudulent Transfer” document from our site. This document will cloud the title, and put any potential investor on notice that there is a dispute as to who is entitled to the property, and should prevent any new buyer from getting title insurance from any title company. This will help to keep the property from being sold to any new party.

    Most important, find out the status of your case. Only then can you truly chart an appropriate course for how you should proceed.

    Admin.

  563. Comment by Mohk — January 2, 2011 @ 5:24 am

    I have my first court date for foreclosure hearing and judge did not take any action and did not give any new court date, because I applied for Home Loan modification Programm. I applied 3 months ago still it is being processed.Where should I begin now and what package do I have to buy? I live in Chicago and case in Dupage county court.

  564. Comment by revolt — January 1, 2011 @ 6:40 pm

    Dennis,

    Thank you for your blessing. We are sincerely trying to help the American Homeowners who are having there Constitutional Rights violated by Wall Street, and the banksters who are fraudulently taking people’s homes when they no full well that they no loger own the mortgage. The people must empower themswelves with the knowledge and information it will take to fight back against the Wall Street, and Federal Reserve Bank monopolies. We hope we are making a difference in this regard.

    As for your situation, it sounds like you have recourse against the seller, as any defects must be disclosed before the selling of the home. You may also have recourse against the real estate agent who represented you, or the sellers agent.

    BofA is presently being sued by the states of Arizona and Nevada, and have bigger issues to deal with, which might work in your favor, as they seem to continuously postpone the sale dates, you may be able to implement our “90 Day Take Back Program” to reconvey property title without any objection from BofA.

    You need time to implement the strategy, and BofA seems to be giving you that time. We recommend that you move forward with the reconveyance strategy while you still have time, as if they move forward with the foreclosure, it will be too late. You need to take action now!

    Admin.

  565. Comment by revolt — January 1, 2011 @ 6:16 pm

    Faduma,

    We need more information on your situation in order to make informed recommendations to you. Who is the lending bank. Clarification on the documents you’ve already filed, and where you received your information about how and what documents to file. What is your goal objective. We look forward to your reply.

    Admin

  566. Comment by revolt — January 1, 2011 @ 6:07 pm

    Patrick,

    Our email address is csrevolt@earthlink.net. Please include any final judgments rendered by the court, as with your permission, we would like to share your success story with our subscribers, so that they can have faith that with diligence, it is possible to win your case.

    If you have judgments from the court on both cases, we can easily instruct you on how to reconvey, or quiet the title. Please list what state you are located in. We look forward to receiving your pleadings.

    Admin.

  567. Comment by Faduma — January 1, 2011 @ 12:21 pm

    Hello, I live in Washington State our payment is current, but we have filed with the bank notice of mistake, notice of claim, we cancellation of the deed and note recorded with county and other document the only answer we got back from the bank was that letter stating we are your servicing bank your loan is in full force to pay in full and copy of the note and deed of trust. what are our option? before we sign up anything.thank you

  568. Comment by PATRICK FARRELL — January 1, 2011 @ 8:57 am

    Do you have an e mail address so I can send you some court pleadings?
    I am a Pro Se Plaintiff, who has successfully sued GMAC and Wells Fargo Bank.I would like to share them, and find out rom you how to
    reconvey the title or quiet title to me.

  569. Comment by Dennis — December 31, 2010 @ 8:41 pm

    Found article on nesara and was wondering if my AZ property could be salvaged. Our mtge with Countrywide was taken by B of A. A new home with underground plumbing defects which didn’t show up until my daughter and grandchildren were in house 4 months. Defect actually popped slab up and caused excessive damage to walls,window casings, sliders etc. Remedy with 2 year state mandated bldrs warranty was non existent. Builder bankrupt, bonds all tapped. Estimate to repair (3 Engineering appraisals averaged $35,000) provided to contractors recovery fund. After 20 months waiting for decision, denial came claiming funds weren’t available since my wife and I didn’t personally occupy residence. We stopped making payments in April 2010. A family is still living in house. B of A has scheduled foreclosure 5 times in as many months. All types of remedies offered (short sale,etc) but I felt disclosure laws would make any effort to sell a lesson in futility. If I could recover house from B of A I wouldnt mind making repairs myself with a small loan. Does this sound like something I could do with your guidence? We are 71 years of age but the prospect of being able to re-visit our dream of providing home for our daughter I’m sure would re-awaken our interest. Even if you can’t help us, may God bless you, for taking this interest in seeing justice done and family smiles restored.

  570. Comment by revolt — December 31, 2010 @ 6:03 pm

    Hello Everyone,

    We are shutting down for the night, in order to enjoy bringing in the New Year. So we’d like to thank all of our subscibers for visiting, and subscribing to the MOST POWERFUL Foreclosure Fighting Document Site on the Internet, The Homeowners Revolt.Com, and hope that we can be of assistance to you, in bringing about a Happy and Proseperous New Year.

    Happy New Year!
    From all of us at
    The Homeowners Revolt.Com

  571. Comment by revolt — December 31, 2010 @ 5:48 pm

    Carrie,

    Sorry for the delay in responding to you. Its a very busy time, and its hard to get back to everyone in a reasonable time frame. Thank you for your patience and understanding.

    As for whether its too late to implement the administartive procedure is determined by your foreclosure situation. Without more info. We cannot affective answer that question. We also need to know if your in a judicial state or non-judicial state.

    However, the blank endorsement can be used as evidence that the alleged foreclosing lender did not loan you any of their actual money. The blank endorsement is used to pledge the promissory note to the federal Reserve Bank. Read the “90 Day Take Back Program” Parts 1 & 2. It explains this procedure.

    The bank’s failure to respond to your QWR actually helps you in your civil case that is before the court right now, in that you may have an argument that the bank has yet to prove that they are the “Real Party In Interest” with the rights to foreclosure. Usually a copy of the promissory note is inadmissable evidence to establish any legal standing to pursure foreclosure. If you have a decent attorney, and that’s a big if in our opinion, then he should be pursuing this line of defense. What state are you in?

    As for the similar documents you alluded to, please give us the title of the documents, so we can address your question appropriately.

    We are very sorry to hear about your foreclosure situation, but we are happy that at least you found our site, as we believe that we have some of the most legally comprehensive documents, information, and legal strategies on the internet for fighting foreclosure fraud by the banks. If you plan to fight for your home, we will do all that we can to help, but you must help yourself by empowering yourself with the information and knowledge it will take to fight your mortgage WAR and WIN!

    Read all that you can from our site, and other to arm yourself for the fight, and keep a close eye on your attorney, as they have also been known to do some very unscrupulous things. Best of luck!

    Admin.

  572. Comment by revolt — December 31, 2010 @ 5:23 pm

    Jamison,

    Our client value their privacy, and that is why they have not listed their last names in the testimonials. However, looking up the clients information is not the answer to your skepticism. The answer lies in the language of the Trust Deed. The trustor (homeowner) has the right to appoint the trustee. Most homeowners do not realize that when they signed their loan documents, that effective agreed to the Trustee provided by the lender.

    Its a bit late in the day now, but we will get you the authority, and or actual language that validates this position.

    Admin.

  573. Comment by revolt — December 31, 2010 @ 5:16 pm

    Mark,

    Sorry for the confusion.

    Admin.

  574. Comment by revolt — December 31, 2010 @ 5:15 pm

    Mark,

    Redemption would require full payment of the outstanding debt. If you have the money you can satisfy the default. If not, and your in a non-judicial state, you can file our “Stop Trustee Sale demand” letter to attempt to cancel, or postpone the sale date.

    Admin.

  575. Comment by revolt — December 31, 2010 @ 5:12 pm

    Babes,

    Sorry to hear about the eviction notice. A motion to vacate eviction can be filed. Of course you will need to state a plausable reason why you feel the eviction should be stopped, such as an error, or inadvertent mistake, or fraud, ect. We are going through our files to see if we can get one up and available on the site ASAP.

    Admin.

  576. Comment by revolt — December 31, 2010 @ 11:56 am

    Daniel,

    You should contact your County Recorder’s office, or County Courthouse to ascertain the recording fees, as each state sets their own fees. You can usually get those fees from their website, or just by giving them a call.

    For a limited time, we have eliminated any back end fees, so your initial fee is the only fee, which will ever be charged. Also, in case you haven’t received our Holiday Discount Special Promotion email, if you purchase the program before the end of December, you receive a 30% discount off of the original price. That’s a savings of $448.50. After that time, the program returns to its original price of $1,495.00, which is still a tremendous value.

    The FREE one time conference call can take place before, or after you have purchased the program. However, it is required that you read the “90 Day Take Back Program” Parts 1 & 2, located on the website before scheduling your conference call, this way it will help you formulate any additional questions you may have prior to the conference call.

    You pay directly on our website, via credit or debit card. Your “90 Day Take Back Program” is then instantly emailed to you for downloading upon receipt of payment.

    Admin.

  577. Comment by Daniel — December 31, 2010 @ 8:35 am

    Hello,

    With the 90 Day Take Back Program could you please answer the following questions:

    What are the estimated recording fees that I will incur for the the entire process?

    Can you explain the upfront and back end fees that you describe including the $ amount?

    Could you describe the conference call that takes place before I sign up for this program?

    By what method is payment made to you?

    Thank you!
    Daniel

  578. Comment by Jamison — December 30, 2010 @ 8:32 pm

    I looked at your testimonials page and notice that there was a name out of Los Angeles. Could you ask her to provide me her last name so I can simply look up what is going on based on whats on public record? My main cause for skepticism is the legal authority of someone other than the beneficiary to substitute the trustee…

  579. Comment by revolt — December 30, 2010 @ 7:19 pm

    Fran,

    Yes, our program is applicable in all 50 states, and will work for 1st as well as 2nd mortgages.

    Admin.

  580. Comment by Fran — December 30, 2010 @ 4:10 pm

    I live in Massachusetts, I have a 1st mortgage with Wells Fargo and a 2nd mortgage with Sovereign Bank will you program work in Massachusetts, and will it work with 2 mortgages? My house is in foreclosure and I filed for chap. 7 bankruptcy in October

  581. Comment by Carrie — December 30, 2010 @ 2:53 pm

    I just learned of your Web site today. I am in foreclosure already and have a lawyer. A case has already been filed and my lawyer filed a counterclaim for breach of contract. I’m not sure why he did that. He is supposed to let me know next week.

    Is it too late for me to go with this administrative defense? My lawyer had me to send a QWR, and the servicer sent copies of mostly the same documents I have from closing, except that it included a copy of a note indorsement in blank. The indorsement was copied on a separate sheet of paper, undated and stating Pay to the order of _____________ without recourse. The note has plenty of room on the face of it to stamp that indorsement. I’ve been tempted to copy the servicer’s copy of the note indorsement and write in my name as the indorsee, and ask the judge why the servicer’s copy is accepted as real and my copy isn’t.

    I did specifically ask by QWR that the servicer make the ORIGINAL note available for me to see, and I got no response on that. Among other things to which the servicer failed to respond. I sent the QWR three months ago, so the servicer or its law firm has had plenty of time to set up a time to view the note. Will this failure to respond help in the administrative process?

    Lastly, please let me know why you have two downloads with very similar titles, but their price is vastly different. One is over $1000. So what exactly does the $25 document accomplish? And why such vast difference in price. It would be helpful to add more explanation of that on your store page in the product description.

    I am deeply concerned about how close I am to losing my home, and I want to fight with the best tools I can find. In my state, almost no lawyers really are fighting for homes. At best, they set out to “delay”the process. I NEED help.

  582. Comment by revolt — December 30, 2010 @ 11:32 am

    Jamison,

    What do you expect the bank to tell you? Do you think they are going to say, yes Jamison, this program will effectivelly stop us in our tracks, and allow you to be free of our enslavement of you through debt?

    As for any testimonies, we have just recently posted testimonials from our clients who have successfully completed the program. You must understand that many clients want to protect their privacy, and do not want to post testimonials, and some are willing to do so. We have posted those testimonials.

    Jamison, there will always be those doubtor, and you are not the first. However, we have always encouraged our potential clients to do their own due diligence, and empower themselves with the information and knowledge that is required for them to make an informed decision, and to move forward with confidence. Only when you have done your homeowrk, can you truly feel confident about the process.

    As we have always stated, unlike George Tran, we have 14 years of civil litigation experience that has been put into our program, as opposed to George Tran’s 6 months of experience, and we have been successful litigating at the Federal Court level, as well as the Appellate Court level, also unlike George Tran. We are currently litigating 4 different foreclosure cases in 3 different jurisdictions, and we adhere strictly to all state and Federal laws. We provide you with those laws so that you can review them for yourself, and make your own informed decision about how to move forward with any foreclosure situation.

    We do not ask you to take our word for anything. What we do is provide you with the laws, and case authorities that support our arguments, and positions. After that, only you can decide what is best for you and your family. However, please don’t make premature judgments before you have done the required legal research that would support your opinions, or conclusions.

    Jamison, all we can say is that, we can lead you to the water, but we can’t make you drink. If you feel that after performing the required research, that the program is not for you, then we respect your decision, and wish you the best with your possible foreclosure situation, and hope you find another foreclosure solution, which may be of assistance to you.

    Admin.

  583. Comment by revolt — December 30, 2010 @ 10:59 am

    Daniel,

    Yes, you can expect to recovey all of your properties, and you will only need to purchase the program once, and apply the same documents and procedures to all of the properties that you will eventually own free and clear!

    Admin.

  584. Comment by Daniel — December 30, 2010 @ 9:54 am

    Hello there,

    I have a home and several residential income properties that are all current with payments… can I expect to be able to reconvey all of these properties, which are not hard money mortgages and will I need to purchase more than one program to make this happen or can I simply apply the same document copies and procedure with all of the properties that I will “hopefully” soon own free and clear?

    Thank you!
    Daniel

  585. Comment by Mark Lynch — December 30, 2010 @ 9:20 am

    So far the questions submitted and the answers received seem to be of help to some and confusing to others.
    Probably the reason why we’re all in this mess.

  586. Comment by Mark Lynch — December 30, 2010 @ 9:17 am

    My home is scheduled to go on the auction block on Jan 21,2011.
    What chance of redemption do I have at this late date?
    Any info will be of help.
    Thanx
    Mark

  587. Comment by Babes — December 30, 2010 @ 8:32 am

    What can be done if you get a 5 day Sheriff’s notice to vacate after you lost the unlawful detainer? Can this program still work in this situation?

  588. Comment by Jamison — December 29, 2010 @ 11:19 pm

    The bank wrote to me saying, among other things, that this administrative process is a scam. I know I’m not supposed to be shook by their antics, but I can’t get over the fact that there is no testimony given on this website despite the claim of 100 successful reconveyances. I have only heard of one administrative process being completed and it was by George Tran. They foreclosed on his home(s). Is there a name of someone in California who has completed this process and that I can look up in the public records. I believe this would give me the confidence to file the documents needed for me to complete the process..

  589. Comment by revolt — December 29, 2010 @ 10:18 pm

    Jamison,

    I’m not sure we received it. Our site was undergoing some technical maintenance yesterday, and some of the postings got erased. If your posting was erased, we apologize. Please re-post your comments, and we’ll be happy to respond. Thank you for your understanding.

    Admin.

  590. Comment by revolt — December 29, 2010 @ 10:15 pm

    Babes,

    Yes, once she deeds the property over to you, you become a party with a legal interest in the property, or more commonly known in legalese as “A Real Party In Interest.” In order to pursue any legal complaint in a court of law, you must be a real party in interest.

    Admin.

  591. Comment by Babes — December 29, 2010 @ 12:28 pm

    My friend wannts to deed her property to me and wants me to pursue againts her lender. Is this possible if she deed her property to me then i avail of your program? Please let me know how possible it is.

  592. Comment by Jamison — December 29, 2010 @ 9:20 am

    I wrote a message on this board yesterday that has since disappeared. Did you get it?

  593. Comment by revolt — December 21, 2010 @ 1:32 am

    It is almost completed. However, depending on the situation, you can download the “Emergency Motion To Vacate Judgment”, which accomplishes the same objective. It forces the court to determine if the motion for final summary judgment was appropriately granted in order for the sale to take place. In fact, we recommend that this doocument be filed first, as this will give you an additional opportunity to file the “Emergency Motion To Cancel Sale” document, should it become necessary.

    Admin.

  594. Comment by isavehouses — December 20, 2010 @ 9:39 am

    Is the “Emergency Motion To Cancel Sale” document available as of yet?

  595. Comment by revolt — December 17, 2010 @ 12:17 am

    isavehouses,

    We will have an “Emergency Motion To Cancel Sale” document available for download wthin 48 hrs. We also have an “Emergency Motion To Vacate Judgment” document available right now for downloading. This will also delay any sale until the motion can be heard by a judge.

    However, it would be recommended that the homeowner also file our “Notice Of Fraudulent Transfer” document with the County Recorder’s Office. This clouds the title, and makes it highly unlikely that any new investor will purchase the property from the bank, as they will not be able to get clear title to the property, from any title company as a result of the filing.

    More details about the homeowners situation will allow us to provide additional options, and recommendations.

    Admin.

  596. Comment by isavehouses — December 16, 2010 @ 4:46 pm

    Do you have a package that will reverse a property sale?
    or which package would you reccommend in Florida to put a
    stop to a sale date?

  597. Comment by revolt — December 7, 2010 @ 1:48 pm

    Steve,

    The “90 Day Take Back Program” is what you’ll need for full reconveyance.

    Admin.

  598. Comment by revolt — December 7, 2010 @ 1:33 pm

    Lillian,

    It sounds like another one of thousands of nighmare stories being experienced by homeowners across the nation. This is why we recommend The “90 Day Take Back Program” to our clients, as this allows you to be in the driver’s seat. When you reconvey the title back into your name, the bank now has to come to you to resolve any issues. You’re in control, and they are begging you to resolve the problem, not the other way around.

    That said, it sound like you have a possible predatory lending lawsuit that you could pursue. If this is something you would consider pursuing, we recommend that you acquire a “Forensic Loan Audt”. This audit will provide you with any and all loan origination violations that may have occurred in closing your loan, and 85% of all loan originations contain some form of Federal violations. This would be a start, if you’re looking to pursue a civil complaint against your lender.

    However, we recommend implementing The “90 Day Take Back Program” to get title reconveyed first, as this will provide additional protection from any attempted foreclosure proceedings by the lender.

    Things you need to discover:
    1.) Are there enough predatory lending violations for you to consider filing a civil complaint against your lender?
    2.) Can your lender prove that they are the rightful owner of your mortgage, or has the loan been sold, and securitized?
    3.) Can the lender produce the original WET INK promissory note in their name in order to establish that they are the owner of your mortgage?

    In essence, since you have stopped paying your mortgage, you need to take immediate action to protect your home from foreclosure. The “90 Day Take Back Program” will assist you in this regard. You must take action before they start taking actions against you. If you wait, you may not have time to implement the legal strategies available to you in time to stop any possible foreclosure attempt. Let us know if you are in a Judicial, or Non-Judical state.

    Also, the reason the lender, or their loan servicer did not respond to your previous request is because you did not present them in a legal fashion. Whenever you are requesting information from your lender, you need to send them a “Qualified Written Request”.

    This legally authorized document requires the lender, under Federal law, to acknowledge receipt of your request within 20 business days of receipt of your request, and resolve any outstanding issues listed in your request within 60 business days of receipt, or be in violation of Federal law. If they fail to comply, then you have acquired evidence against them for your possible civil complaint against them. This is how you get their attention. You can instantly download our Qualified Written Request from our website.

    Hope this helps.

    Admin.

  599. Comment by revolt — December 7, 2010 @ 1:04 pm

    Steve,

    It depends on what your objectives are. If you’re looking at reconveyance, then you will need to download the “90 Day Take Back Program” in its entirety.

    If you’re looking to stop a foreclosure, or file a civil complaint against your lender, then those specific documents can be downloaded ala carte from our website.

    Send us an email at csrevolt@earthlink.net, and let us know your specific situation, and we can better recommend the specific documents you will need in order to accomplish your goals.

    Admin.

  600. Comment by revolt — December 7, 2010 @ 12:53 pm

    Steve,

    Thank you for visiting the MOST POWERFUL foreclosure fighting document site on the Internet! THE HOMEOWNERS REVOLT.COM

    As it relates to your question on testimonials, as you might understand, our clients at this time are concerned with their confidentiality. However, we are working on finding a way to providing testimonials in the future. As it stands, we have had over 100 reconveyances successfully completed.

    Those pundits who are saying that reconveyance is like “trying to get something for nothing”, are uninformed, and ignorant of the law. We don’t base our program on just an opinion. We deal with all state and federal laws, so that our clients are fully protected.

    Others have made the argument that when a homeowner fights a foreclosure by the bank, based on the bank’s failure to provide proof that they own the mortgage, they too are “trying to get something for nothing,” but we have laws and rights in this counrty that we are allowed to fight for.

    The law says that the bank, or anyone must prove they are the owner of the debt before they can foreclose on a property. Whether the homeowner is trying to get something for nothing is not the issue. The law is the issue. The bank is required to follow the law, regardless of whether the homeowner will get something for nothing.

    If the homeowner in this scenario gets something for nothing, its because the bank violated the law, and as a result of that violation of law, the consequences may be that the homeowner gets their property back free & clear. This is not something for nothing. Its getting something in return for the bank violating the law.

    We deal with the law, and when you deal with the law, and not mere opinions, you understand that reconveyance is not getting something for nothing. Its getting something as a result of another party’s violation of the law, or waiver of its rights to object to the reconveyance. Fair exchange is no robbery! We believe in following the letter of the law, being honest, and living with integrity, but we also believe in holding those accountable who would attempt to violate the law.

    Also, this lawyer is mixing the administrative process with the judicial process, and they are two distict, and different processes. In pursuing a judicial complaint in the courts, the legal arguments will be presented as a legal standing argument, and the courts are all looking favorably on those arguments, as it has been established, and verified that the banks, JP Morgan Chase, GMAC, Wells Fargo, and Bank Of America have all been found guilty of submitting forged, fabricated, and fraudulent documents in court, in order to fraudulently establish legal standing to foreclose on homeowners.

    Just because someone is an attorney, doesn’t always mean they no what they’re talking about if they haven’t specifically researched a certain subject. We don’t expect for you to take our word for anything. We provide you with the law, and court cases that support our position, and then let you decide for yourself what the evidence establishes.

    Admin.

  601. Comment by Steve Jeringan — December 5, 2010 @ 4:38 pm

    I read a lawyers comments on another website that using an administative process to reconvey your property was like trying to get something for nothing. He also said that judges were not looking very favorably on this type of action. I want to believe their is something out there for the common man to stand up against a bunch of legal crooks, who use the system for monetry gain and power. I know that the banks through their web of contracts and legal documents are doing the same thing. I just proof the reconveyance program works! Do you have any testimonials for the reconveyance program? I would really appreciate if you could post them for people to see.

  602. Comment by Steve Jeringan — December 4, 2010 @ 5:56 pm

    I read parts 1&2 which was very enlighting. Do I need to purchase the complete program,our can I just bye the documents applicable to my situation. Do I need the complete program for the transaction to be successful?

  603. Comment by Smurf — December 2, 2010 @ 4:56 am

    We been having a problem with MortgageIT and EMC since 2005.We still have the house.But we stop payment because first when we ask for a modification they send us a letter saying we could not get a modifcation.Then they send a letter to our bankruptcy lawyer that they would modify the loan.We gave then all our information we were working with a housing consoler but they wanted noting to do with the housing consoler .They would only talk to my husband and I. We ask if the our tax could be included with the mortgage they said yes then they raised our mortgage.Our was 2403.98. They send us one letter that our mortgage payment would be 3,922.60 then we got another letter saying that the mortgage payment would be 4,688.68. So from their on we just stop paying now they send us a letter that our loan is in default 426 days and that our Mortgage payment is in default 34,959.87 and to make payment by 9/30/2010.Then we got another letter since our loan was to reset on 10/01/2010 that our new mortgage payment is 2,719.23.It said this payment is based on your current interest rate 8.6500% .I get so many different amounts from them that I don’t know which is right.We were on bankruptcy and they still was charging us the late fee.Before they would charge us inspection fee property valuation fee then outstanding advances then money was put in a suspense account . We also had a problem with them because they never gave us our Good faith esimate.I Never really looked at all the papers they gave us .When I started asking question on the Internet in 2005 and in 2007 someone told me to check 3 of the papers one was the good faith estimate , HUD 1 form Truth in lending paper to see if all the amounts were the same on each paper.well to my surprise I did not have the good faith estimate. Then I called them and ask then for that paper and they would not send it we had to write to the Banking Department and to Respa.Then they send a copy. After looking at the 3 papers the numbers were different so I wrote to then again and they said we such have told them in 2005. Then we told them how could we if we did not have the good faith estimate paper and we did not know until someone told us.well anyway it stood like that noting done about it. when we first refinance the mortgage their was lot of problem because we wanted to cancel the loan and none of them would answer us.We wanted to cancel because it was not what they told us it would be. What they did was screw us with this loan.Now they are sending us papers again that if we want a modification if not that they would start foreclosure with out telling us.So we don’t know what to do.

  604. Comment by revolt — November 29, 2010 @ 3:07 pm

    Steve,

    The “90 Day Take Back Program” contains everything you’ll need to revoke the Trustee’s authority to conduct any sale of your property, and provides you with Step-By-Step instructions, and all of the documents you will need in order to complete the administrative process of reconveying title back into your name.

    We recommend that you read The “90 Day Take Back Program” Parts 1 & 2 on our website, in order to familiarize yourself with the administrative process.

    Admin.

  605. Comment by Steve Jeringan — November 28, 2010 @ 8:43 pm

    I live in Tennessee a non-judicial state and am facing forclosure. The bank has been dicking me around for over a year with a modification program,which isn’t going to happen. I have stopped making the payments I couldn’t afford because of a loss of income. I have been reading your website,could you please tell me which parts of the program I need to purchase to complete all the necessary actions and reconveyance.

  606. Comment by revolt — November 18, 2010 @ 5:49 am

    Hello Pam,

    Thank you for your compliment on our website, and we are gratified that you have found it to be informative. You are in the best position to take advantage of the “90 Day Take Back Program.” Because you are not in foreclosure, you are not limited by any deadlines such as any pending foreclosure sale.

    The “Fight Back Pak” is a judicial process by which you would file a civil complaint against your pretender lender. The “90 Day Take Back Program” is an administrative process, which allows for reconveyance of the title, and does not require any court proceedings. This is the program we recommend to accomplish your goal.

    Admin.

  607. Comment by pam — November 16, 2010 @ 8:11 am

    What an amazing website and information! I am not in foreclosure but would like to pursue reconveyance of my title and I am in FL. It looks like the “fight back pack” is the one to buy. Can I just purchase that for all the paperwork that needs to be filed? What does the full 90 day program have that the other one doesn’t?

    thanks!

  608. Comment by revolt — November 12, 2010 @ 5:23 pm

    Harry,

    We wish you had come across our site sooner. The longer one waits to take measures against the bank, the harder it is to stop the foreclosure process. At this point your main concern is keeping a roof over your head.

    If you feel that the foreclosure was fraudulent, you could file a lawsuit against the bank to ultimately get your property back. (you can download the Predatory Lending/Quiet Title Action lawsuit directly from our website) If you would consider this option, it would be prudent for you to file a Notice Of Fraudulent Transfer with the county recorder’s office, which can also be downloaded directly from our website. This documents clouds the title, and puts any potential new buyer of the property on notice that there is a dispute as to the rightful title.

    No person in their right mind wants to buy a property that they cannot assure will have free & clear title.

    Next you could file a motion to vacate the judgment if you feel you have evidence of fraud, or irregularities in the foreclosure procedures, or the loan origination. These options are dependent on your particular situation, and are subject to the statute of limitations.

    Also, read the article “Can You Reverse A Foreclosure Sale” on our website. It may be of assistance and give you some further insight into what other options are available to you.

    At this point its a little late to use our reconveyance program.

    Admin.

  609. Comment by Harry — November 10, 2010 @ 7:03 pm

    I have been fighting to keep my home on my own, however just came I came accross this site and I am wondering if this program can still help.
    The bank sold my house at the auction on April 15 2010, I still have the possession, because I have been fighting however the bank got a judgement to evict us and have the sheriff lock after Nov 12.

    I did send a written letter of request of which they did not respond.Do I still have a chance to fight with your program?

  610. Comment by revolt — November 9, 2010 @ 12:42 pm

    Chosen,

    You have quite a unique situation. It is difficult to determine whether or not you will own the land/property free and clear in the future, as a thorough review of the documents are needed before one could make that assessment.

    Apparently, there needed to be some sort of amendment to the original loan documents in order to re-combine the strip of land in front of your house, with the rest of the property. It is likely that this is what the bank was attempting to do by trying to get you to sign the documents that you mentioned.

    However, if the bank is unable to foreclose, the “90 Day Take Back Program” would allow you to get the bank out of the picture completely, by reconveying the additional title back into your name also. As the bank has no ability to foreclose at this time, the likelihood of them challenging any reconveyance would be remote.

    Again, your situation is unique, and a bit complex. It requires through review of all documents before an accurate assessment can be made.

    Admin.

  611. Comment by revolt — November 9, 2010 @ 12:27 pm

    Yes, the program will work for HELOC liens.

    Admin.

  612. Comment by Hi — November 9, 2010 @ 9:38 am

    Does this program work for HELOC liens?

  613. Comment by chosen — November 8, 2010 @ 2:09 pm

    I own a home and the foreclosure process had begun on my property, however, in the meanwhile, it was discovered that when the city was planning to make my street a highway, they rezoned all of the property lines in the front of each of the homes so the highway could be built. Ultimately, they decided against the highway, and just paved the road. When they did that, they deeded the front section of my yard back to us, however, the deed is in MY name, not the banks. The bank began their foreclosure process about 2 years ago, and were trying to get us to sign some documents, this is when we discovered that we own this strip of land in front of the house, we never signed the document they wanted us to sign, and they also have been unable to complete the foreclosure. Do you believe that we will ultimately own the land/property free and clear or what my rights are being that this is the case?

  614. Comment by emt training — November 4, 2010 @ 12:31 pm

    Superb blog post, I have book marked this internet site so ideally I’ll see much more on this subject in the foreseeable future!

  615. Comment by revolt — November 1, 2010 @ 10:48 am

    Thank you.

  616. Comment by videos divertidos — October 31, 2010 @ 7:20 pm

    Hey really nice website, I noticed your website when doing study on some methods to develop my web log. I was simply inquiring which spam software system you use for comments as I get tons on my site.
    I never comment on blogs, but this one is awesome! Thanks.

  617. Comment by revolt — October 25, 2010 @ 6:47 pm

    Jason,

    As we have already mentioned to you on many occasions now, that the “90 Day Take Back Program” is perfect for this scenario, and many others, but you seem to be in the perpetual mode of “too much analysis creates paralysis” mode.

    The “90 Day Take Back Program” essentially forces the alleged lender to produce documents which establishes that it is the real party in interest, and holder in due course of the promissory note. If they fail to produce such evidence, then they will have affectively waived any and all rights to object to any reconveyance, as under the law, if they cannot prove their legal standing to object, they have no legal rights to object to the reconveyance.

    Through initiating the program, you effectively solicit all of the evidence you’ll need to establish that the alleged lender is a pretender lender with no legal rights to the property at all.

    You state that the original lender has already admitted that they no longer own the note, and that no new deed of trust, promissory note, or assignment of the promissory note has been issued. No one in the chain of title that you’ve mentioned can prove that they are the owner of your mortgage. What more could you ask for? This is the perfect storm for taking your property back FREE & CLEAR!

    But yet, you continue to delay. Don’t get me wrong, a fair amount of analysis is a good thing, but when it becomes over analized, it just creates paralysis, and it appears that you might be experiencing this phenomenon. We can lead you to the water, but we can’t make you drink.

    Until you take action to initiate the process of taking your property back, nothing will happen, and your analysis will have done nothing in the way of getting your property back. Again, and for the umpteenth time, The “90 Day Take Back Program” is the answer, especially for your perfect storm scenario.

    You, of all people, who have checked out our competitors who charge as much as $8,000.00 and want part of the equity in your home once you get it back, should know that our ridiculously low fee of $1,495.00 to get your property back free & clear is a complete NO BRAINER!

    However, that decision is yours to make. We wish you all the best!

    Admin.

  618. Comment by Jay — October 24, 2010 @ 7:53 pm

    Hello,

    I have a loan with First Mortgage Corp. I have also checked MERS site and they say servicer is FMC, and Investor is FMC.

    However, some months back I spoke to FMC and they said someone else was the investor as they no longer are the lender and the note is not under their control now. After pressing them further on the situation it seems the note is owed by Fannie Mae now.

    There has been no Deed of Trust filed, nor has there been any Assignment of note, or related document indicating that MERS, Fannie or anyone else is owed this money – which fits Fannies guidelines of keeping the note in the name of the servicer so it can’t come back and bite them when MERS is challenged in court.

    I’m curious as to what will happen and what plan of attack you think will work for this case.

    MERS wasn’t registered in CA at the time of them being involved (2007)

    thanks for your help.

    Jay

  619. Comment by revolt — October 22, 2010 @ 11:59 am

    Harry,

    We are sorry to hear about the chain of events, and wish you had found our site sooner. However, you now need a Motion To Vacate Judgment to present to the court. It is very positive that the judge is willing to hear your argument that there may have been fraud perpetrated against you.

    However, since California is a Non-Judicial state, how are you in court? Perhaps you are in municipal court on the eviction? Let us know which court you’re in.

    In order to prevail you will need convincing evidence that an inadvertent mistake, or fraud has been committed in your case. We will have a Motion To Vacate Judgment available for download shortly, or you can pay upwards of $4K dollars for an attorney to draft it. Your choice.

    We have an affiliate law firm here in the Los Angeles area, but for San Bernadino, we would recommend that you contact Prepaid Legal Services.

    Send us an email at csrevolt@earthlink.net, and give us some particulars about your evidence. We assume your argument will be that the lender cannot produce the Promissory note, or that if MERS is the beneficiary, they have no legal standing to foreclose either. Look to hear from you. All the best!

    Admin.

  620. Comment by Harry — October 21, 2010 @ 1:37 pm

    We are in California, we sent a qualified written request to the bank, on March 1 2010, leting them know that we the lender may have violeted multiple rules and regulations of the uniform commercial code and banking industry the bank acknowledged receiving it on March 4th 2010. We also requested them to to obtain documents under the RESPA.
    The bank decided to ignore our request
    We followed up both mail and phone calls. They went ahead and foreclosed on on April 15 2010. We have been fighting eviction and the Bank got a judgement, we urged our defense and the judge said that there may be fraud involved here so he gave the lock out date to be after Nov 12 while we file a motion to set aside th judgment and the a restraining order not do a lock out.

    1. Do your program help after a trustee sale? if you do
    2. Do you know a good attorney in California , San bernadino County we can work with to file the emotion to set aside, and also ORDER STAYING EXECUTION, while we work your program to take our house back?

    thanks
    H

  621. Comment by mallorca autovermietung — October 17, 2010 @ 9:13 pm

    Very enlightening and beneficial to someone whose been out of the circuit for a long time.

    - Kris

  622. Comment by revolt — October 9, 2010 @ 6:36 pm

    The Motion To Dismiss is ready for download!

    Admin.

  623. Comment by isavehouses — October 7, 2010 @ 3:49 pm

    I will check back on Friday or Saturday to see if the Motion to Dismiss is ready as he has to file something by Tuesday of next week

  624. Comment by revolt — October 7, 2010 @ 3:30 pm

    It provides you with a breahdown, and understanding of the securitization process.

    Admin.

  625. Comment by revolt — October 7, 2010 @ 3:28 pm

    You need to wait for the Motion To Dismiss.

    Admin.

  626. Comment by isavehouses — October 7, 2010 @ 12:00 pm

    The package you have: The Securitization Process A Thru D, will this teach us how to perform our own securitization audit?

    Will it teach us how to get the information needed for the 90 day take back program like the Trustee, actual investor?

  627. Comment by isavehouses — October 7, 2010 @ 11:58 am

    Can I use Judicial Document Request – FL or should I wait for the Motion to Dismiss?

  628. Comment by revolt — October 7, 2010 @ 9:06 am

    They need to file a Motion To Dismiss. We will have that document available for download within 48 hrs.

    Admin.

  629. Comment by revolt — October 7, 2010 @ 9:05 am

    Let us know how it works out with them. Matt Weidner is also very knowledgable in this area, and we recommend him highly.

    Admin.

  630. Comment by isavehouses — October 7, 2010 @ 8:29 am

    If someone just got a foreclosure filed on them which package do you suggest?

  631. Comment by isavehouses — October 7, 2010 @ 8:27 am

    Thanks for the info…as I know alot about the Ice group and their efforts to stomp the banks… I contacted them to see if they can help.

  632. Comment by revolt — October 6, 2010 @ 8:41 pm

    The law requires that an attorney be the attorney of record in order to represent a party in litigation. This means that the attorney has filed a document with the court, usually a motion for substitution, in order to proceed before the court.

    We recommend you contact Ice Legal Law firm, or Matt Weidner attorney at law for possible representation.

  633. Comment by isavehouses — October 5, 2010 @ 8:31 am

    By chance do you have any attorneys in the Florida area that could be hired just to appear at a hearing for a flat fee?

  634. Comment by revolt — October 5, 2010 @ 1:56 am

    Jamison,

    The loan servicer is not going to volunteer any information about your loan without your demand. Download our Qualified Written Request.

    Admin.

  635. Comment by revolt — October 5, 2010 @ 1:54 am

    Jamison,

    Do you have any copies of your deed of trust, or promissory note? If so, your copies will do. If not, a search of the MERS system my be helpful. Additionally, you can request the information from your loan servicer.

    Admin.

  636. Comment by Jamison — October 4, 2010 @ 11:43 pm

    By the way, I have been making payments to my servicer every month and do not have any knowledge that the Deed has been voided.

  637. Comment by Jamison — October 4, 2010 @ 11:40 pm

    I have a unique situation. I went to the county recorder to retrieve information on my mortgage only to discover that there is no record of a Deed of Trust there. If there is no public record of the Deed of Trust on my property, how can the 90 day program reconvey it? Mustn’t I retrieve information that the Deed of Trust exists before being able to take it back? Wouldn’t this be a necessary first step before ordering the take back program?

  638. Comment by revolt — October 4, 2010 @ 8:04 pm

    isavehouses

    Ideally, you don’t want to wait until you’re already in the judicial system (court) to start the take back program, because you will be pressed for time in defending against the foreclosure.

    However, filing opposition motions is the only way to buy more time for the homeowner. After the motion is filed, a hearing will be held. At the hearing you should prepare a short statement of your argument. The judge is supposed to read your motion brief, and be aware of the arguments contained within.

    So read through your brief, and get a basic understanding of the points that you are arguing. Make your statement, and the Judge will make a ruling based on both yours and the bank’s arguments.

  639. Comment by isavehouses — October 4, 2010 @ 12:04 pm

    After a motion is filed, I would assume that a hearing would be held…
    What do I do next? How do I defend the motion? Or will this give me enough time to proceed with the take back program?

  640. Comment by revolt — October 4, 2010 @ 10:25 am

    Jamison,

    What did you mean when you made reference to #4 of the 90 day take back Program? We have provided extensive information on the website in anticipation of your questions. Have you read the 90 Day Take Back Program Pt. 1 & 2 ?

    We don’t want you to sqaunder your hard earned money either. Why don’t you tell us a little about your situation, and we can better advise you as to what your most effective solution would be.

    However, your promissory note and mortgage deed should be recorded at the county recorder’s office, and as long as you have these documents to reference, you could proceed with the 90 Day Take Back Program.

    Admin.

  641. Comment by Jamison — October 4, 2010 @ 10:07 am

    I’m sorry, I don’t mean to waste any of your time. I just want to ask the questions I need to before purchasing. I want the program to be effective for my situation so as not to squander money I need.

  642. Comment by revolt — October 4, 2010 @ 10:01 am

    Jamison,

    Have you recently purchased the 90 Day Take Back Program? If so, what is your email address, so we can assign you to a dedicated email consultant.

    Admin.

  643. Comment by Jamison — October 4, 2010 @ 8:34 am

    I notice on #4 of the 90 Day take back program, it states that you can help if the customer gives you some of the loan information. What if I can’t find any of the loan information from the purchase of the property nor can the selling agent, and it’s been over 2 years so the escrow company likely doesn’t have it. Would you be able to proceed anyway

  644. Comment by revolt — October 4, 2010 @ 6:52 am

    isavehouses,

    You can use the Emergency Motion to ask the court to vacate the judgment and stop the sale, as the property has not been sold yet. No need to wait for the new package.

    Admin.

  645. Comment by isavehouses — October 4, 2010 @ 6:40 am

    The house was taken back by the lender this past Thursday, and it takes aproximately 7 to 10 days if not longer for the certificate of title to be completed…Can we use the Emergency Motion To Cancel The Sale And Vacate The final Judgment or do we have to wait for your new package…..

  646. Comment by revolt — October 4, 2010 @ 4:41 am

    Jamison,

    In your scenario, your reference to the defendant is unclear as to if the defendant is the homeowner, or the bank. However, as stated in your question, we will assume the defendant is the bank, and the homeowner has filed suit against the bank, making the bank the defendant.

    Producing a lost note affidavit doesn’t exempt the bank from establishing the chain of title to the promissory note, and that they were the holder in due course entitled to enforce the note at the time the note was lost. So they still have further legal burdens that must be overcome.

    As for reconveyance, it is not necessarily based on producing the promissory note. the reconveyance argument, which again it should be noted is an administrative process, and not a judicial process, argues that the bank committed fraud in the origination of the loan, and waived all of its rights to object to the reconveyance when they failed to produce a WET INK original promissory note for your inspection, validating that you owe them a debt pursuant to the Uniform Commercial Code regarding negotiable instruments, and that they also failed to respond to your Notice Of Rescission in a timely manner, which automatically waived any security interest in the property that they may have retained pursuant to Federal law under The Truth And Lending Act (TILA).

    Producing a lost note affidavit after the reconveyance has been completed actually supports your argument that they are not the owner of the debt, and that they have not provided any evidence as to who actually owns the debt. If the note was lost, how can they claim, or prove that they owned it?

    The law is very detailed, and without specific knowledge of the particulars of your case, it is difficult to give an absolutely accurate answer to your question, but in general we believe we have provided you with a general answer that should be helpful.

    Admin.

  647. Comment by revolt — October 4, 2010 @ 4:13 am

    isavehouses,

    We are presently working on such a package which would reverse the sale. However, we have just made available a similar document, which is an Emergency Motion To Cancel The Sale And Vacate The final Judgment!

    This document can be used if the borrower’s loan was securitized, and the bank was granted a Final Summary Judgment, and has scheduled a sale of the property. Keep in mind that this document is used to stop the sale of properties that have not been sold yet.

    Admin.

  648. Comment by Jamison — October 3, 2010 @ 4:15 pm

    Could a defendant just produce a lost note affidavit in court, laying to rest any produce the note argument for reconveyance? It seems simple enough to come up with a lost note affidavit..

  649. Comment by isavehouses — October 2, 2010 @ 2:21 pm

    If someone has just lost their house to a foreclosure sale in the state of Florida… What package would you reccomend in order to try to get it reversed? As you know Florida is riddled with all the fraud documents and it looks like they may put up a moritorium unto it gets dealt with (ya right), but in the process many have recently lost their homes…

  650. Comment by revolt — September 24, 2010 @ 4:49 am

    isavehouses,

    This is an excellent question, and thank you for asking, as our other readers need to be aware of this very important point.

    The Truth In Lending Act (TILA) Title 15 § 1635 (a) right of rescission is only applicable on a home which was refinanced. The statute of limitations, meaning the time period upon which a borrower can exercise their right of rescission is 3 years from the close of the transaction.

    However, in a case of fraud, the statute of limitations could exceed the 3 year limitation, as fraud voids a contract Ab Initio, meaning “from the beginnig.” and the clock does not usually begin to run until the time that the fraud was discovered.

    Admin
    Matt Brockman

  651. Comment by isavehouses — September 23, 2010 @ 11:43 am

    Admin

    Thanks for your prompt reply..

    Here is another question……

    You mentioned that if the bank does not respond and pay us back our down payment and closing cost that the banks security interest is 100% automatically voided. (YEHAW)

    The asking back of the down payment and closing cost, is this only for refinanced properties?

    Or is the process the same for a new purchase property?

  652. Comment by revolt — September 23, 2010 @ 12:49 am

    Dear isavehouses,

    What happens to the mortgage is that the lien is fully satisfied and released, and the property title is reconveyed back into the homeowners name. The homeowners gets the property back free & clear of any mortgage.

    This is accomplished through the “90 Day Take back Program”. It walks you Step-By-Step through the administartive procedure of filing specific documents with the county recorder’s office that will bring about this result.

    Our process is in strict compliance with the Administrative Procedures Act of 1946. We follow all State and Federal laws, and do not attempt to employ any procedures outside of the law. We don’t need to because the law is on our side. We just need to know the law, and how to use it effectively.

    Through the “90 Day Take Back Program” we show you how to essentially place the bank in a position whereby they have effectively waived all rights to object to the title reconveyance, and we provide you with a document which is governed by Federal Law, which provides that if the bank does not respond to your document within 20 days of receipt, and pay you back all of your closing cost and down payment for the loan, the bank’s security interest in the property is 100% automatically voided.

    This is not some pie in the sky theory. This is Federal Law! End of story. If the bank dares to attempt initiating a court proceeding against you, you produce your document in court, and the bank is done. They no longer retain any security interest in the property, and therefore have no legal standing upon which to bring any legal action before the court.

    Hope this answers your question. If not, feel free to submit additional questions.

    Admin.

  653. Comment by isavehouses — September 22, 2010 @ 9:43 am

    Once everything is said and done.. What happens to the existing mortgage?

    Even though the deed has been transfered to another name, the owner still has a recorded mortgage.

    Do we get a satisfaction of mortgage?

    Is the debt just now unsecured and we need to file for a bankruptcy?

  654. Comment by revolt — September 21, 2010 @ 1:17 pm

    Greg,

    We apologize for any technical difficulties you may have experienced. As you have already talked to our customer service rep. you are aware that we emailed you immediately after your purchase, but it appears that your spam filter may have blocked the email containing your documents.

    No problem! As promised we are sending you the documents you ordered directly to the new email address you gave to our customer service rep. We will follow-up with you to make sure your order is received.

    You have just ordered the MOST POWERFUL foreclosure fighting documents available on the Internet. Congratulations!

  655. Comment by Greg Guevarra — September 21, 2010 @ 10:10 am

    I have ordered 6 different books. You have sent me the receipt on my email but I have not received the items. Could you please send me those books via email like I thought I was going to received.

    Greg

  656. Comment by revolt — September 15, 2010 @ 9:26 am

    Jamison,

    The best approach to quiet title without risking credit slashing is to continue to stay current on your mortgage payments, while simultaneously implementing reconveyance of the property title through our administrative process. (administrative process means no court procedures are required)

    We would recommend that you start with our “90 Day Take Back Program”. This is an administrative process of reconveying the property title back into your name. Once completed, you will be armed with all of the evidence you’ll need to prevail in a judicial procedure. (Judicial procedure is a court proceeding) The Quiet Title Action is a Judicial procedure.

    As long as you continue to pay your mortgage, your credit will not be adversely affected. Hope this helps. If you have any further questions, feel free to post them.

    Admin.

  657. Comment by Jamison — September 12, 2010 @ 8:51 am

    Hi,
    If my mortgage is in good standing, but I want to own my house free and clear, what steps would I take to “quiet title” without risking any serious credit slashing?

  658. Comment by revolt — August 24, 2010 @ 11:04 pm

    Art,

    Our “90 Day Take Back Program” works in all 50 states. Some of our legal documents are state specific, or judicial and non-judicial specific. Qualified Written Request, and Rescission Notice documents are governed by Federal law, and are applicable in all 50 states. It just dpends on the document, and your specific situation.

    Admin

  659. Comment by Art — August 24, 2010 @ 3:40 pm

    Hi,
    I live in Minnesota, where they appear to have legalized MERS games. Would your materials work here ? Thanks

  660. Comment by revolt — August 19, 2010 @ 4:29 pm

    I have started the 90 day process, and so far so good. All of my documents were accepted by the recorder’s office, and I will be filing my full reconveyance shortly. This is very exciting, and what pay back to those greedy banksters.

    vvn in Tampa.

  661. Comment by RODRIGO — August 18, 2010 @ 12:02 am

    HAS ANYONE STARTED THE 90 DAY IN FLORIDA? PLEASE LET ME KNOW HOW IT IS GOING. ANYONE KNOW NY GOOD ATTORNEYS IN FLORIDA TO HELP WITH THE PROCESS?

  662. Comment by revolt — August 8, 2010 @ 9:37 pm

    Jackie,

    We are glad you have decided to fight for your home, and not let the banksters fraudulently take it away without a fight.

    It sounds like you have been taking advice from one of our competitors, as we do not recommend starting off with a civil petition simulataneously while implementing the administrative process, unless you are in a judicial state. Best of luck.

    Admin.
    The Homeowners Revolt.Com

  663. Comment by Jackie — August 7, 2010 @ 1:23 pm

    I started the 90 day process. I submitted the 30 day notice with return signature receipt. I need to submit my petition verification of debt to the court, to get a case number, then summons the bank to provide proof. I am drafting the petition this weekend. I have several points such as, show me the original documents I signed, GAAP accounting practices,

  664. Comment by revolt — July 16, 2010 @ 3:37 am

    Chad,

    Our program is designed especially for homeowners who want to fight for their homes without having to incur the expense of a high priced attorney.

    It is highly likely that your NegAm loans were securitized, and the lender cannot produce the promissory note to establish they even have the right to foreclose on your property.

    This is why you must arm yourself with the knowledge and ammunition you need in order to fight your mortgage WAR and WIN!

    Is it realistic? The bank sure would love for you to believe that this can’t be true. That way they can just take your home without a fight.

    Everything we do is in strict compliance with all State and Federal laws, and we will back up every claim with legal authorities to support all of our claims. The laws are on your side. You need only empoweer yourself with the knowledge to fight your mortgage WAR and WIN!

    Don’t take our word for it. look at the cases on our site that back up every word we are saying. Do your own due diligence, and decide for yourself what the truth is. Good luck, and best wishes.

    Admin

  665. Comment by Chad — July 16, 2010 @ 12:53 am

    Is this something that I can use directly as a homeowner or do I still need an Attorney involved?

    I have couple of NegAm loans considered predatory in nature and need to fight to keep the properties. It sure would be nice to have them free and clear, but is this realistic?

    Thanks,
    Chad

  666. Comment by revolt — July 9, 2010 @ 5:29 pm

    Preciosa,

    Yes, you can still fight for your home, even after it has been foreclosed on. It will require that you file a lawsuit against the foreclosing bank, and prove that they fraudulently foreclosed on your property.

    If you prevail in your lawsuit, you will get your home back, plus 3 times the loan amount in damages from the bank. Under certain claims, you can also get punitive damages from the bank, which could end up being anywhere from 4 to 7 times the damages awarded, depending on the state you live in.

    For example, if you owed $200,000 on your loan, you would get 3 x $200,000 = $600,000 in statutory damages, plus 4 x $600,000 for punitive damages = $2.4M would be your final settlement. If you win your lawsuit, it could be very lucrative, and deal a devastating blow to the fraudulent foreclosing bank.

    If you have the heart to carry on your fight, the law provides an avenue for you to fight to get your property back. If you need an attorney, we can provide you with a referral. Good luck!

    Admin

    The Homeowners Revolt.Com

  667. Comment by revolt — July 9, 2010 @ 5:16 pm

    mslove43,

    You are the perfect candidate for The “90 Day Take Back Program”. Your foreclosure case has already been dismissed because the lender could not prove that they were the owner of your mortgage. Therefore, you have a judicial court document which states that the lender is admitting they don’t own your loan.

    Once you reconvey the property title back into your name, you will own the property Free & Clear! If you enter into the loan modification they are requesting, you are essentially agreeing to re-enter into a new mortgage loan agreement with the lender.

    Do you want to make mortgage payments to a bank that has already admitted that they don’t own your loan?

    Again, the “90 Day Take Back Program” is the perfect solution for you. You need to take action now!

    Just one more note. This is a perfect example of how some attorneys are part of the corrupt judicial system. In our conversation, you stated that you had a legal aid attorney who got your case dismissed, but now is attempting to steer you into a loan modification.

    This attorney is either ignorant, or corrupt. One of the two. This is a classic example of how they play both sides of the fence. They make money off of representing you, and then cut a deal with the bank to get you back into the loan modification with a bank that has already admitted that they don’t even own your loan.

    We recommend that you question your attorney about what she/he is attempting to do, and why he/she is asking you to enter into an agreement with a bank that doesn’t own your loan.

    Admin
    The Homeowners Revolt.Com

  668. Comment by revolt — July 9, 2010 @ 4:54 pm

    Larry,

    To be honest with you, we will have to research that question, as we have not researched Australian law, and your question is one that would implicate International law. So, rather than give you misinformation, we would prefer to be honest with you, and reserve our answer until we can specifically determine what the laws are in Australia.

    However, we are excited about the prospects of making our services available Internationally, and will provide you with a more definitive response upon completion of our International law research.

    Administrator
    The Homeowners Revolt.Com

  669. Comment by larry — July 6, 2010 @ 6:39 pm

    Can we use this process here in Australia,we have contacted many law firms,but they don’t get it?
    Thank you.

  670. Comment by revolt — July 5, 2010 @ 11:11 pm

    Toni, you are very welcome. We are happy to hear that the information was helpful. Stay tuned for more exciting information, and thank you for visiting our site.

    Best Regards,

    Administrator
    The Homeowners Revolt.Com

  671. Comment by revolt — July 5, 2010 @ 10:22 pm

    Yes. The “90 Day Take Back Program” is applicable in all 50 States, as it is based on the Administrative Procedures Act Of 1946, which is a Federal Statute. Federal law is applicable in all 50 states.

    The lawsuit documents are state specific, but most of our documents can be used in all states. Just let us know which documents you are interested in, and we will let you know if they can be effectively used in your state.

    Thank you for visiting our site, and stay tuned for more exciting information.

    Administrator
    The Homeowners Revolt.Com

  672. Comment by FUTURE503 — July 5, 2010 @ 4:34 pm

    Does any of this pertain to MD residents. I live in Maryland and want to buy some of the items here. Will they work in the state of MD lthesis

  673. Comment by toni — July 5, 2010 @ 6:53 am

    thanks so much for this info
    i really need it.

  674. Comment by revolt — July 1, 2010 @ 8:22 pm

    Dear sjohnson1,

    Sounds like The “90 Day Take Back Program” is the perfect solution for you. It requires the lender to answer all of your questions, or be in default of their administrative remedy.

    Also, because MERS (Mortgage Electronic Registration Systems, Inc.) who records the transfer of titles electronically for the banks, may be listed as a beneficiary to your mortgage, you may not be aware of all of the transfers that may have taken place, or who recorded your last 3 mortgages.

    Nevertheless, The “90 Day Take Back Program” will provide you with step-by-step instructions on what information to request, and what to do if the lender fails to provide you with the information you requested. It is a 100% legal Administrative Process that follows all state and Federal laws for your protection.

    The “90 Day Take Back Program” should be available for download on July 5, 2010. We will send you an introduction email letting you know that the documents are available for downloading.

    Thank you for your support.

    Administrator
    The Homeowners Revolt.Com

  675. Comment by sjohnson1 — July 1, 2010 @ 7:25 pm

    Great site from what I’ve seen so far.

    I am looking for answers about a QWR/TILA I sent my mortgage company last November, that they responded to in March of 2010. The mortgage company never answered one question. They sent copies of a Note and a Chain of Title that was incorrect. Where on this site do I go from here?
    I also have time-stamped proof, that my deed has never been recorded by my current and past three mortgage companies.

  676. Comment by revolt — June 24, 2010 @ 11:04 am

    mslove43,

    If we’re not mistaken, I believe we already have a copy of your fraudulent assignment. How can we further assist you?

    We’ve already recommended documents that should be downloaded, that you could send to your lender, but you have not taken any steps to do so.

    We also recommended that you utilize our “90 Day Take Back Program” as this is a perfect solution for your situation, but you have not indicated that you are prepared to do so.

    We can give you document recommendations, but its up to you to take action, and fight for your home.

  677. Comment by mslove43 — June 23, 2010 @ 10:45 pm

    hello
    mslove43@hotmail.com
    i need someone to contact me A.S.A.P I have Assignment of Mortgage that
    is not a copy of the orginial document.
    06-23-2010
    thank you!!!

  678. Comment by mslove43 — May 18, 2010 @ 6:30 am

    Hello,
    I have a case that has been Dimissed on 05/03/2010 for Assignment of Mortgage messWORTHLESS etc…
    Detucshe/Ameriquest/Watson Law Firm. Now another servicer has my loan
    AHMSI-another fraudlent company! I feel like there are just sweeping it under the rug. Do i fill out the loan modification paper or Request proof of who hold my promissory and note, from the
    attorney. Please Help!!!! Thanks a million!!!

  679. Comment by Preciosa Lisondra — May 12, 2010 @ 7:39 pm

    What if I lost already my house after foreclosure? Do I still have a fight to challenge the foreclosing entity to prove their legal ownership of my foreclosed house? How can I fight for my house even after it has been foreclosed? I still love in it but how can I legaaly regain ownership of my house?

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