THE NEIL GARFIELD SHOW

Bill Paatalo breaks down latest take on the lack of standing US Bank and those associated with US Bank have to prosecute in judicial foreclosures lawsuits against homeowners based on LSF9 Master Participation Trusts. Then Charles Marshall breaks down latest strategies (all Covid-19 impacted) to lawfully and legally delay foreclosures and evictons, particularly in non-judicial foreclosure states, t...

content

It is often true that the best challenge is after a foreclosure is complete. I know that sounds crazy. But tonight we will discuss tactics and strategies in foreclosure defense in which we can hang the evil-doers by their own paperwork. It’s true that eventually, the truth comes out — or at least part of it. When the “credit bid” is moved around and the deed from foreclosure is granted, the party...

Today on the Show Bill Paatalo will break down latest strategies by Chase Bank to manipulate the legal process through name-selection shenanigans. Charles Marshall will break down latest on Covid, as well as provide a preview of an upcoming seminar to be presented by the newly formed trio of LendingEyes, consisting of Neil Garfield, Charles Marshall, and Bill Paatalo. The coming seminar will focus...

SHARE THIS POST WITH LAWYERS YOU KNOW!!! This show is devoted to convincing the lawyers who will listen that they are missing out on something very profitable and important. Representing homeowners faced with foreclosure papers can and does present an opportunity for large paydays, consistent victories in court and playing a part in changing the trajectory of home finance in this country and aroun...

Host Charles Marshall will address on today's Show anticipated 2021 trends in foreclosure nationwide, through the lens of the now "new normal" of an interlay of Covid-19 restrictions micromanaging all aspects of human life. Whatever one thinks of the impact of the actual Covid-19 virus on public or their own personal health, it is indisputable that the huge and dense and all-encompassing governmen...

Each payment made by the homeowner to a self-proclaimed servicer is being collected by a third-party vendor, probably under the control of Black Knight. That money is not going to anyone who maintains a loan account receivable on their accounting ledgers. The payment is not reducing the debt because the debt account does not exist under all scenarios in which false claims of securitization are pre...

Foreclosure litigants need to return to First Principles in the Coming year 2021. What better way than to see Neil's latest Blog post explaining how even admitting you have a mortgage loan when it is securitized, particularly from the mortgage meltdown years from roughly 15 years ago to several years ago, is self-defeating, in that the truth is that there is no identifiable lender, borrower, payor...

Follow voice instructions when you dial in or connect via computer. You will be recognized in the order of your questions. * Around one month from now, most moratoriums on foreclosures will expire, unless they are again extended. That means that hundreds of thousands, perhaps millions of foreclosures will be filed or completed over the next year. And just like the 2008 meltdown, the securities bro...

Follow voice instructions when you dial in or connect via computer. You will be recognized in the order of your questions. * In 28 days, most moratoriums on foreclosures will expire, unless they are extended. That means that hundreds of thousands, perhaps millions of foreclosures will be filed or completed over the next year. And just like the 2008 meltdown, the securities brokerage firms that cal...

Host Charles Marshall returns with Bill Paatalo to discuss among other matters how the Federal CARE Act will expire at the end of this year. It protected millions of of mortgage loans from imminent foreclosure due to COVID-19 related hardships, with an admittedly band-aid approach of what amounts to a forbearance. That all ends in weeks, and millions of loans so protected are expected to go into a...

Follow voice instructions when you dial in or connect via computer. You will be recognized in the order of your questions. In 49 days, most moratoriums on foreclosures will expire, unless they are extended. That means that hundreds of thousands, perhaps millions of foreclosures will be filed or completed over the next year. And just like the 2008 meltdown, the securities brokerage firms that call...

Most motions to vacate are actually motions for rehearing. Failure to understand the differences results in thousands of hours of legal work that are completely useless except perhaps as a delay tactic. In order to score points in this arena you must (1) disabuse yourself of the notion that you're dealing with a "standard mortgage loan" and a "standard mortgage foreclosure" and (2) know how to use...

Bill Paatalo through access to Chase's MSP system has obtained a so-called transaction codes glossary, and "payee codes glossary", used by Chase to supposedly board WAMU loans, going back to the Chase-WAMU merger of 2008. Screenshots Bill has obtained or made available show massive fraud in the routine altering of servicing records which alterings are used to create false affidavits and declaratio...

Bill Paatalo has gotten intel through his private investigation tools to explosive evidence that WAMU contracted with ACS Image Solutions to destroy loan files in August of 2008, a month before the September 2008 Receivership in BK which WAMU was forced into as a result of the meltdown of their overall accounting balance sheet in the summer of 2008. The establishing of this connection should lead...

Tonight I will discuss the curious case of blatant economic fraud on the entire country by investment banks. They figured out how to eliminate the risk of loss on lending, how not to be labelled as a lender subject to lending laws, and who pursue collection, administration and enforcement of obligations that do not exist.  And then by denying the receipt of funds that paid off the loan on their ow...

Great Gig if you can get it: Lehman Brothers in their bankruptcy (BK) here in 2020--yes 2020--is having to respond to a proof of claim (POC) which has been filed in the Lehman BK by Nationstar, along with a stipulation which effectively confirms the POC, to the effect that Nationstar is affirmed to have a right to collect from the debt originator Lehman on the same mortgage debt which in a typical...

The system has been caught flat-footed by the banks' strategy of weaponizing the court process to prove a nonexistent claim. Homeowners and many lawyers throw up their hands claiming that the banks are just too strong. But the banks are actually weak, once you poke behind the armor. Of the thousands of cases in which the homeowner won or achieved a very successful result, not one was the result of...

Charles Marshall will discuss the Hearsay Rule by referencing the details of Federal Rules of Evidence (FRE) 801, which defines Hearsay as the term applies to legal proceedings in Federal Court. The evidence rules of the various States all largely mirror these Federal Rules. Then he will breakdown some of the exceptions to FRE 801, with particular emphasis on the business records exception, at FRE...

You received a loan, didn’t you? You didn’t pay, did you? You signed the note, didn’t you? You signed the mortgage didn’t you?   Why all of those questions are irrelevant. how to instruct the court and convince the judge to rule accordingly is a skill that most people, including lawyers don’t possess, because they share a mythology with  the judge that the loan accounts actually exist. And they co...

See Bill Paatalo's Blog post of August 21 re how the Lehman Brothers BK of 2014 served as conduit for enabling Bill himself to do a deep-dive analysis of a database of almost 100,000 loans spread over approximately 250 securitized trust transactions associated with one RMBS Protocol. His analysis took place in what was a sample audting of securitized mortgages ordered by the BK Court. This auditin...

Just like 2008, people are not making payments for rent or mortgage in record numbers and most of them are not covered in any formal agreement with anyone, much less anyone authorized to offer forbearance or modification or settlement. And just like 2007-2008 when many analysts including myself were calling out to take action to avoid a crash, nobody is listening.  And just like 2006-present, mill...

Bill Paatalo will post on his Blog today details on what he and host Charles Marshall will cover on the Neil Garfield Show today: First, a revisit to the LSF9 Master Participation Trust, with the use of a Pennsylvania case to highlight how this 'Trust' is used to create legitimacy for a fake Bank of America merger. Second, Bill exposes significant document and notary fraud re a New Jersey bankrupt...

The simple fact that lies at the root of most foreclosures is that the underlying obligation was never purchased or sold,  and in most cases not even from the homeowner. The fact that the homeowner recieved money is not conclusive that the reason the hoemowner received money is that it was part of a valid loan agreement.  If lawyers and homeowners want to win cases filed for enforcement of mortgag...

Bill Paatalo will discuss on the Show today how he was able to thoroughly expose the lack of authority by foreclosing parties, including Wells Fargo and HSBC, in 5 consolidated cases in Missouri. Missouri is generally a non-judicial foreclosure state, as it is typically a deed-of-trust state. There are a minority of judicial foreclosures in Missouri as well, based often though not exclusively on m...