Friday, February 25, 2011
Maxine Waters Congresswoman Troubled by Reported Foreclosure Fraud Deal
Maxine Waters Congresswoman Troubled by Reported Foreclosure Fraud Deal
Well, finally, our homegirl, the Honorable Maxine Waters, speaks plainly and strongly. Please Obama, for once, have her back. And ours. Keep vigilant California.
Thursday, February 24, 2011
CALIFORNIA: Brookstone Law, PC, Files Landmark Mass Joinder Lawsuit Against Bank of America and Countrywide
Brookstone Law, PC, Files Landmark Mass Joinder Lawsuit Against Bank of America and Countrywide
If you are currently unrepresented, consider joining this suit. Strength in numbers. You will still be able to pursue independent claims outside of this case typically.
If you are currently unrepresented, consider joining this suit. Strength in numbers. You will still be able to pursue independent claims outside of this case typically.
Wednesday, February 23, 2011
MERS Can Foreclose in California, State Appeals Court Rules - Bloomberg
MERS Can Foreclose in California, State Appeals Court Rules - Bloomberg
Very disappointing news. This court should know better given the precedents we have seen in Massachusetts and Florida. Shame on my government; shame on my state. Remain vigilant -- and fight on the grounds of fraud and breach of contract.
Sample Complaint for Quiet Title - filed in Central Coast District Court
Recent (but underreported) news in business and finance revealed that MERS, the fraudulent mortgage reporting system used in over 50% of mortgages that are considered troubled, is quickly becoming deemed by various national courts as a fraud in that MERS, helmed by its banks, illegally circumvented and perhaps forged proper title practices in the transfer of titles for millions of mortgages. This is part of the "robosigning" fraud recently discussed in national news, yet underanalyzed for the edification of homeowners.
Go to http://livinglies.wordpress.com for more astute analysis of this issue from Neil Garfield, one of the first purveyors of mortgage literacy for laypeople.
One, early important step to hold your bank accountable is pursue Quiet Title Action in order to demonstrate whether your title is "free and clear" or not. Given what we now know about MERS and like entities, your title is probably NOT clear.
For Alameda County, you can quickly and FREELY check who is associated with your deed or deed of trust here at the AC Gov's Public Records Search. Just type in your last name and first name and hit return. Look for those dates associated with when you first bought your home. Once you find the document, check to see if you are the only entity listed. If you are a Countrywide now Bank of America mortgage holder, you are almost certainly a victim of the MERS fraud. Even if you do not see MERS or Mortgage Electronic Registration Systems named there, but you are a former Countrywide (now bankrupt) now BofA or Citibank or JPMorgan or WellsFargo noteholder, you are likely still a victim.
Get your records here:
http://rechart1.acgov.org/search.asp?cabinet=opr
For other counties and states, simply google search your county's public records website. These records should be FREE. Do not pay for an attorney to do this for you.
Quiet Title Action Complaint - sample (more to come)
This is a scribd.com file. Scribd is not my favorite public use document loader. Google docs is much friendlier. But this is offered here as a sample.
http://www.scribd.com/doc/30047668/California-Quiet-Title-Complaint-by-Charles-Lincoln-20100128
Go to http://livinglies.wordpress.com for more astute analysis of this issue from Neil Garfield, one of the first purveyors of mortgage literacy for laypeople.
One, early important step to hold your bank accountable is pursue Quiet Title Action in order to demonstrate whether your title is "free and clear" or not. Given what we now know about MERS and like entities, your title is probably NOT clear.
For Alameda County, you can quickly and FREELY check who is associated with your deed or deed of trust here at the AC Gov's Public Records Search. Just type in your last name and first name and hit return. Look for those dates associated with when you first bought your home. Once you find the document, check to see if you are the only entity listed. If you are a Countrywide now Bank of America mortgage holder, you are almost certainly a victim of the MERS fraud. Even if you do not see MERS or Mortgage Electronic Registration Systems named there, but you are a former Countrywide (now bankrupt) now BofA or Citibank or JPMorgan or WellsFargo noteholder, you are likely still a victim.
Get your records here:
http://rechart1.acgov.org/search.asp?cabinet=opr
For other counties and states, simply google search your county's public records website. These records should be FREE. Do not pay for an attorney to do this for you.
Quiet Title Action Complaint - sample (more to come)
This is a scribd.com file. Scribd is not my favorite public use document loader. Google docs is much friendlier. But this is offered here as a sample.
http://www.scribd.com/doc/30047668/California-Quiet-Title-Complaint-by-Charles-Lincoln-20100128
Tuesday, February 22, 2011
Full Text of Complaint Againtst Countrywide for CA Homeowners
http://stopforeclosurefraud.com/wp-content/uploads/2010/10/CALIFORNIA-CLASS-ACTION-AGAINST-COUNTYRWIDE.pdf
You can copy the case number into the LA County Superior Court case finder to trace the history of motions and documents submitted. Copies of the documents can likely be found using free or cheaper services. I will post links to these services shortly.
Tenants Together : Foreclosure Related Laws
Very useful listings for laws related to renters living in foreclosed or soon to be foreclosed homes. Very useful for real estate investors and renters.
Monday, February 21, 2011
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