Is 5 Interest Rate Fair For Seller Financing A Home I Can’t Afford an Attorney to Help Me Defend My Home From Mortgage Fraud

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I Can’t Afford an Attorney to Help Me Defend My Home From Mortgage Fraud

“A plot set out to deprive the people of benefits, blessings and contractual purposes, to subvert the foundations of the constitution, to deprive them of all their part in making and implementing laws, would justify the revolution.“ John Adams, Novanglus Papers, 1774

DID I SHOULD JUST STAY TO THE SIDE

AND LET THE LENDER TAKE MY HOUSE?

Initially there were twelve of us working loosely as a group doing individual research and then sharing that knowledge. We then operate like club members with the same interests. While we learn much faster than any borrower can, we each go through the courts on our own behalf. Is it wrong? Are we going to lose? I’ve felt confident and anxious at different times over the last seven years. However, our members have won seven cases in the last eight months, so the answer is yes, you can. In fact, I do it full time. In a weird but good way, I feel like it’s my civic duty.

I have sat in court and heard many judges rebuke borrowers who try to represent themselves as Pro se parties that they “need to get a lawyer”. Nearly all of my clients over the past seven years have believed that because the judge ordered them to, it is the law. Not that. However, judges most often feel that borrowers have a better chance of presenting their opinion to a competent attorney. This is, on a general level, sound advice. However, judges today are missing some details about a new type of fraud that was barely known until about 1999, and that can make paying a lawyer a surefire way to lose your family’s home.

The borrower cannot afford a lawyer at this time. In addition, almost no attorney even knows mortgage financing laws. There’s not enough space here to go into detail, but it’s easy enough to understand if you’re lucky enough to meet someone who knows what has changed over the years in the relationship between attorney and judge. I wish someone would have told me in 2011.

In fact, if it was a fraudulent foreclosure, why should the borrower lose his house because they couldn’t afford to hire a lawyer? They are victims of crime. They are not criminals.

So, if you are a borrower threatened with foreclosure, the question is, if you can’t find a good attorney and even if you do, you can’t pay them, are you giving up your biggest and most expensive possession? will ever have? Possible. But, I say no. Every day I know more than the day before and in this one thing, I am an expert.

I’ve taken the whole problem of “Fraud” lenders blowing smoke behind the courts and stealing homes without ever “loaning” a borrower a penny very seriously. Yes, in real world times (before 1994 or so) things were very simple.

You borrow from a banker you know. You sign a Promissory Note detailing the amount you owe and the payment terms you agree to. Bankers need to know that if you can’t make payments, the bank won’t lose the money they loaned you, so you put the house you bought in as collateral. The document you sign that contains the terms you and the bank agree on is called a security instrument. In states that use judicial foreclosure rules, that instrument of collateral is called a mortgage. In states that use non-judicial foreclosure rules the security instrument is called a trust deed, in these states there isn’t even such a thing as a mortgage. Because, we all use the term mortgage to mean a home loan which makes us confused. The foreclosure is counting on confusing you and the judge. (I cover that in more detail in another article).

Now those agreed documents and terms are your home loan. The Promissory Note is very important for a deal and it is the most important document you sign. You make these fair monthly payments. You and the banker track payments, and when your loan is paid off, the Promissory Note is marked paid and returned to you. The original Promissory Note is returned to you. At all times. You can trust the financial industry to do it this way. However, to any borrower, lawyer, or judge born after about 1980, this sounds like a fantasy, because following the laws and laws on banking hasn’t been an active idea since 1995 (that’s when Microsoft first made free email available). at the apparent speed of light).

However, because so few Borrowers are aware of their rights and because these same sneaky financial people wreck the economies of nearly the entire world, very few Borrowers are able to reach $5,000 for an attorney to disclose their rights. For the most part, most of the wrongly foreclosed borrowers have just told their kids they have to change schools and they rent a truck they can’t afford and head for a rental house or apartment they don’t approve of because it doesn’t just have a bogus foreclosure the party takes their house illegally, they have also reported the foreclosure to the credit rating company, which has damaged their credit.

Guys, this is not the America I grew up in!

It is my intention to stick around to tell these sacrificial borrowers that things don’t have to go so fast. That “Bank” that threatens to seize has no case. These “foreclosure parties” cannot and they will not produce real deal proof that they are the actual party to whom you owe money. That’s because they are not the party you owe.

But if, you don’t stop turning around and fighting back, they will get away with it. Your case is very good, you just don’t know it yet.

I do it. I work hard to be someone who can tell you why you have more than hope to help you fight back. I have been a long-time real estate broker, real estate developer, home builder, mortgage broker, and consultant for very large real estate deals across the country. I’m supposed to be a really smart guy, and you know what?

Yep, GMAC Mortgage stole my house and it makes me mad. Really crazy. I’ve been crazy every time since November 11, 2011. But I don’t rent a truck. I fight. However, like most Americans in all professions, the economy had seriously damaged my income, so I couldn’t afford a lawyer. At that time, I only knew that I should have a lawyer.

I’ve been stopping my own house in court for seven years now, while dealing with the most outrageous lies from lawyers in court than I could ever imagine anyone would be the impertinent (or stupid) to say. Luckily I now know why I was able to hold on, and if I did, neither side would win. An explanation of what’s different today is too long for this article, but I thought I’d quickly make the seven years worth it.

OK, so above I have stated a lot of the problems (not in detail of course) about how a borrower tries to protect his house without the money or information to hire an attorney.

The answer is to do it Pro Se. Pro Se means “I represent myself”.

That will sound very intimidating at first. Everyone I’ve ever spoken to has a really hard time even thinking about it. But, it is possible. It’s legal. Even though it is your constitutional right.

First of all, you need information. What is your “Lender’s” fault? What have you done right? How can I find my way through the court system? You can’t lie. You really have to know what the truth is and what’s going on. If we try to fool the court with misleading statements, we will look no better than the character we are fighting. Truth is a very powerful weapon when used properly.

Whoever threatens to foreclose on you is not the entity that is funding your loan. You’re not going to claim you didn’t get a loan, because you did. But, not from the Lender mentioned in your loan letter. It comes from an unknown source in an illegal way. (Just go with that thought, you can learn what I mean later).

This means that anyone you think is close to you has no right to collect money from you, or to “transfer” the loan to another entity. Therefore, your loan cannot be sold. Seller and Buyer of your Promissory Note cannot write a contract and transfer your loan through a sale because the Seller has no interest (ownership) in your loan for sale.

However, if you don’t protest in court, they will claim that your loan has been sold and now a Fake/Fictitious Payee (a real statutory term in all 50 states) is going to steal your house. If they make a claim that is untrue, but you don’t mind, then the judge must consider the lie as the statutory truth. In observing borrowers in court, or reading motions and responses in their cases, I am struck by how little borrowers think they can resist. Heck, what did Perry Mason do? Object. What did Barnaby Jones do? Object. What was Captain Kirk doing at Boston Legal? Yes, he objected long and hard. Court is not a church. You have to act professionally, but you have the right to say so.

The way you start taking your case to court is by filing a lawsuit (Clean Title Action is common for home loan scams, but today we have something much better. The average cost across the country to file a foreclosure fraud lawsuit is $100 to $200 or so Compare to what the lawyer wanted at the beginning.

You are now the Plaintiff and no longer the Defendant. You won’t be going to court for some time, but you will have to assert your rights and parties claiming to have foreclosures will try to block you with lies. But, this is all on paper through motions using appropriate laws and not directly before a judge in a court of law. Probably never, that’s how we won 5 times recently. It was my conviction as we stayed and fighting foreclosure decided to elect someone who does have the power that knowledge brings.

We can organize your documents and create a strategy to prove that you did not receive money from a fake lender who claims that you received it. We can answer your questions and help with your presentation. That’s what we have done for ourselves and we can do it for you. At a fraction of the cost of a full time attorney. When the right time comes, you might use a lawyer for a short time in court when you can show the lawyer why he might win for you. It will cost you a fraction of what you think about saving your home. Did I mention we can help lower your anxiety with this knowledge?

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