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CFLA Offers New Online Mortgage Securitization Analyst Training Class - July 29-31, 2016
certifiedforensicloanauditors.com
Certified Forensic Loan Auditors Mortgage Securitization Anaylst Training Certification Class is a comprehensive 24-hour online intensive seminar. Students study and learn important topics related to Mortgage Securitization as well as complex analysis of how to obtain recorded documents. Trainees will complete (5) five full Mortgage Securitization Audits under the direct supervision of the Senior Auditor. Also covered are the complexities of form and substance related to Expert Witness Testimony and how to use your portfolio of Education and Experience to Educate Judges and Opposing Counsel on Securitization Issues, Chain of Title, and Robosigning. Graduates of the course will receive a Certificate of Completion having met the CFLA requirements necessary to be accredited as a Mortgage Securitization Analyst.
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Are We Heading for Another Housing Crisis?
money.usnews.com | May 12, 2016
Ten years ago, a storm was brewing in the housing market. Lenders were handing out mortgages seemingly to anyone who applied, and in many cases, borrowers weren't asked for documentation to prove income. Some institutions rolled out adjustable-rate mortgages that featured teaser rates and were marketed to consumers as loans that could be easily refinanced before the interest rate was scheduled to reset and send payments into the stratosphere.
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California high court opens door to wrongful foreclosure suits
latimes.com | March 6, 2016
During the bust that followed last decade's housing boom, hundreds of thousands of Californians lost their homes to foreclosure. It was a process later found to be rife with problems, such as overwhelmed bank employees who sometimes didn't even read the foreclosure documents in front of them. But challenging foreclosures on the basis of paperwork problems proved to be mostly futile, given California courts had ruled that borrowers who weren't paying their mortgages didn't suffer financial harm.
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The Banks Business Model is Foreclosing on Homeowners
March 2, 2016
Securitization is the reason banks want homeowners to foreclose. When a bank assigns the risk of a loan to the investors (certificate holders) of a Real Estate Investment Conduit Trust (SPV), the “bank” is no longer a traditional bank that gets the benefit of mortgage payments. Mortgage banks give as few modifications as possible and comply minimally with statutes put in place to protect borrowers, all while employing tricks to “cash in” on homeowners’ defaults, pushing them to foreclosure.
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YVANOVA affirms GLASKI!!!
February 17, 2016
The collapse in 2008 of the housing bubble and its accompanying system of home loan securitization led, among other consequences, to a great national wave of loan defaults and foreclosures. One key legal issue arising out of the collapse was whether and how defaulting homeowners could challenge the validity of the chain of assignments involved in securitization of their loans. We granted review in this case to decide one aspect of that question: whether the borrower on a home loan secured by a deed of trust may base an action for wrongful foreclosure on allegations a purported assignment of the note and deed of trust to the foreclosing party bore defects rendering the assignment void.
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Calif. Supreme Court Lets Borrowers Challenge Wrongful Foreclosures
nationalmortgagenews.com | February 19, 2016
The California Supreme Court on Thursday ruled that borrowers may challenge a wrongful foreclosure on the grounds that the assignment of the deed of trust was invalid. The decision in Yvanova v. New Century Mortgage Corp. has the potential to radically increase the number of lawsuits brought by borrowers, particularly on loans that were pooled into securitized trusts, experts on both sides of the issue said.
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If You Received a New Mortgage or Refinance between 2005 and the Present Your Mortgage is Null and Void!
cfla.com | February 3, 2016
If you received a new mortgage or refinanced you old mortgage between 2005 and the present and your mortgage was securitized by the Wall Street banks, your mortgage is null and void! We have truth in lending laws and full disclosure laws that are supposed to be front and center at your real estate closing.
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Goldman Sachs $5B Settlement in Favor of Homeowners
January 20, 2016
Find out if your home loan was securitized by Goldman Sachs during years 2005-2007 and thus subject to the $1.8b available for homeowners and consumers in the form of principal reduction or damages.
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The Mortgage Industry Keeps Showing It Doesn’t Care About You
thefiscaltimes.com | December 30, 2015
When the mortgage industry attributes some of its recent problems to TRID, they aren’t referring to some unheralded Star Wars character. They’re actually engaging in a uniquely unseemly lobbying tactic: using their own failings to bludgeon basic consumer protections.
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$5.4 Million! Jury Finds Wells Fargo Committed Fraud When It Used Robo-Signed Document
i-uv.com | December 14, 2015
Congratulations to the experts and attorneys on this. As Marie McDonnell states in the article reproduced below this case is important because it is the first time that Robo-signing has resulted in an award of damages for fraud. I would add that the lawyers must have done a fine job at trial — because ordinarily we don’t see jury instructions that would support punitive damages for robo-signing. The pages are turning on a new chapter.
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CFLA Bloomberg property Securitization Analysis are picking up Steam & Credibility in the International Markets
moneyweb.co.za | December 2, 2015
Securitization audits present a new problem for banks attempting to repossess the homes of defaulting borrowers. A newly formed company called Virtual Velocity has completed four audits so far and in each case the loans were apparently found to have been transferred to new owners in Taiwan and Thailand.
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Breaking News

Partial List of Known ROBO-SIGNERS
certifiedforensicloanauditors.com | July 20, 2016
CFLA Research has uncovered this partial list of known ROBO-SIGNERS.
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Florida foreclosure rates still way above pre-recession levels
bizjournals.com | July 17, 2016
If Florida having the highest amount of bank repossessions in the U.S. wasn't bad enough, the state's second-quarter foreclosure rates are still 26 percent above pre-recession levels, according to a new study by RealtyTrac. Florida was also in the top five states with highest foreclosure rate in the first-half of 2016, coming in at No. 4 with 0.7 percent of all housing units with a foreclosure filing. New Jersey came in at No. 1 with .98 percent.
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Housing Bubble 2.0: Prepare to Pop
livinglies.wordpress.com | July 16, 2016
If 2006/07 was the peak of the largest housing bubble in history with affordability never better vis a’ vis exotic loans; easy availability of credit; unemployment in the 4%’s; the total workforce at record highs; and growing wages, then what do you call “now” with house prices at or above 2006 levels; worse affordability; tighter credit; higher unemployment; a weakening total workforce; and shrinking wages?
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Yet again, Atlantic County tops nation in foreclosure filings
pressofatlanticcity.com | July 15, 2016
Over the first six months of this year, one out of every 54 homes in Atlantic County was the subject of some foreclosure activity. Statistics of new default notices, scheduled auctions and bank repossessions found Atlantic County continues to leads the nation, according to data from RealtyTrac.
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Mortgages: Weapons of Middle Class Mass Destruction
livinglies.wordpress..com | July 15, 2016
Losing your home by foreclosure to a bank that used fabricated documents to foreclose is a tragedy that has tainted the American dream for millions of Americans. The process is unjust, unlawful and dehumanizing. But even years after the former homeowner has moved forward with their lives they sustain another injury they are probably not even aware of- and that is the loss of rebound gains in the market.
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U.S. Fed buys $7 billion of mortgage bonds, sells none
reuters.com | July 15, 2016
The Federal Reserve bought $7.029 billion of agency mortgage-backed securities in the week from Jul. 7 to Jul. 13, compared with $7.311 billion purchased the previous week, the New York Federal Reserve Bank said on Thursday.
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A Double Standard: Only Mega-Bank’s can Fabricate Mortgage Documents without Consequence
www.livinglies.wordpress.com | July 13, 2016
“The defendants filed bogus petitions and court pleadings and recorded false deeds in county recorders’ offices.” So here is my issue. That description of what they did sounds really bad. And maybe it IS bad and should be punished. BUT has the judiciary now opened the door to calling this behavior "not so bad?"
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CFLA Offers New Online Mortgage Securitization Analyst Training Class - July 29-31, 2016
certifiedforensicloanauditors.com
Certified Forensic Loan Auditors Mortgage Securitization Anaylst Training Certification Class is a comprehensive 24-hour online intensive seminar. Students study and learn important topics related to Mortgage Securitization as well as complex analysis of how to obtain recorded documents. Trainees will complete (5) five full Mortgage Securitization Audits under the direct supervision of the Senior Auditor. Also covered are the complexities of form and substance related to Expert Witness Testimony and how to use your portfolio of Education and Experience to Educate Judges and Opposing Counsel on Securitization Issues, Chain of Title, and Robosigning. Graduates of the course will receive a Certificate of Completion having met the CFLA requirements necessary to be accredited as a Mortgage Securitization Analyst.
Learn More

Can a Debt Collector Restart the Clock on My Old Debt?
finance.yahoo.com | July 11, 2016
You have a very pleasant phone call with a debt collector. The person begs you to send in a just a small sum, say $10, to settle the payment and promises to never bother you again. Suddenly, you get a new bill with the date of the collection account reset to the current date. Is it legal?
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Banks Struggle to "FIND" Nonexistent Documents
livinglies.wordpress.com | July 8, 2016
So for the people who are unemployed due to a recession that won't really quit until the money stolen from the system is somehow replaced or clawed back, you have a job waiting for you if you can sleep at night knowing that if your activities are exposed, the bank will disavow your "irresponsible" actions, leaving you exposed to jail or prison.
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Lack of Standing is an Affirmative Defense
livinglies.wordpress.com | July 8, 2016
Appellant Robert J. Stoltz prevailed against Aurora Loan Servicing and Nationstar Mortgage in Florida’s Second District Court of Appeals. Honorable Judge Daniel R. Monaco reversed the final foreclosure judgment ruling that the plaintiff’s failure to prove standing at the inception of the suit was fatal (see Dickson v. Roseville Props., LLC, 40 Fla. L. Weekly D2520 (Fla. 2d DCA Nov. 6, 2015- quoting, “For better or for worse, it is settled that it is not enough for the plaintiff to prove that it has standing when the case is tried; it must also prove that it had standing when the complaint was filed.”).
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The Benefits and Limitations of Expert Declarations and Testimony in Foreclosure Actions
livinglies.wordpress.com | July 6, 2016
Homeowners and their lawyers have been misusing expert declarations since the mortgage meltdown began. A few like Ron Ryan out in Tuscon, did use it correctly but generally the judges back in 2007-2012 were not interested in anything other than getting the foreclosure sale done. Ron understands that the expert declaration is far more useful in motions and pursuing discovery than at trial. It is the expert himself/herself that must present live testimony in court if you want the results of forensic analysis to be taken into account in reaching the decision.
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Freedom from Governmental Corruption is a Human Right
livinglies.wordpress.com | July 4, 2016
Expecting the United States Government, a for-profit entity, to enforce its own laws against the banks will likely not happen. Numerous leaders and officials of the United States Inc. have already admitted that the banks write the rules. Since the 2008 collapse-the lack of response, the gross violations of due process and the overall impotence of the judiciary, law enforcement and regulatory agencies clearly demonstrates who the U.S. government caters to- and it is not the American homeowner or taxpayer.
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Annotations for Penal Code 115
July 4, 2016
Offering forged docs for recordings. Use Penal Code 132 and 134 felony for preparing for offering or OFFERING a false or fabrication. You might find something of value in the Penal Code for Prosecuting those who filed and recorded False documents, after you completeted and Posted your rescission/Cancellation documents to any alleged Lender.
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Fannie Mae and Freddie Mac Plaintiffs Allege Companies are Treated like Government ATM Machines
seekingalpha.com | July 4, 2016
Fannie Mae (OTCQB:FNMA) and Freddie Mac (OTCQB:FMCC) are the only two private companies in America at present where the government takes all of their net profits leaving little for private shareholders. In 2008, they were placed into conservatorship under their regulator the Federal Housing Finance Agency (FHFA) and are often referred to as the Government Sponsored Enterprises (GSEs).
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Georgia Bid Rigging Guilty Pleas
mortgagefraudblog.com | July 4, 2016
Michael Stock, Georgia, and Jon Stovall Jr. Georgia, both of whom are real estate investors, pleaded guilty today for their roles in bid-rigging and fraud conspiracies committed at public real estate foreclosure auctions in Georgia.  Each admitted that they agreed with other real estate investors to refrain from bidding against one another at public real estate foreclosure auctions in exchange for payoffs.  Stock admitted to participating in the conspiracy in Fulton and DeKalb counties from as early as August 2009 until at least November 2011, and Stovall admitted to participating in Fulton County from as early as October 2008 until at least January 2012.  Additionally, Stock and Stovall admitted to conspiring to use the mail to carry out a scheme to defraud homeowners and mortgage holders.
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CFPB Discovers Unfair, Deceptive and Abusive Practices persist with Loan Servicers
livinglies.wordpress.com | July 2, 2016
Between January 2014 and April 2016, the Consumer Financial Protection Bureau conducted “supervision work” on mortgage servicers, focusing particularly on compliance with new servicing rules and any unfair, deceptive, and abusive practices. CFPB has issued a report on those findings—and the bureau is not pleased.
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Possession of Note is Required
livinglies.wordpress.com | June 28, 2016
The problem with the great tidal wave of foreclosures has been that everyone (lawyers, judges and homeowners) have made great leaps of faith in accepting nonexistent facts. And the other problem is that all foreclosures are governed by the UCC which has been adopted in all 50 states as State Law. It is the source of all governing law as to the ability to negotiate the note, enforce the note and to enforce the foreclosure provisions contained in the mortgage.
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The Chase-WAMU Illusion
livinglies.wordpress.com | June 27, 2016
In the mortgage world "successor by merger" is simply a living lie that continues as you read this article. Like many other major illusions in our world economy, the Chase-WAMU merger was nothing more than illusion. The reason for the rebellion showing up as votes for Sanders and trump and the impending exit of the UK from the European Union is very simple --- every few decades the populace gets a ahead of their elected leaders and yanks their leash so hard that some of them choke.
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Ginnie Mae Tops Freddie Mac as MBS Issuer
nationalmortgagenews.com | June 25, 2016
Ginnie Mae surpassed Freddie Mac in total outstanding mortgage securities backed by single-family loans for the first time, according to researchers at the Urban Institute. "Ginnie has edged past Freddie Mac" in May, said Alanna McCargo, co-director of the Housing Policy Research Center at the Urban Institute, during a press briefing Thursday on the center’s release of its housing finance chartbook.
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The Writing is on the Wall: 2008 was a warm-up for 2017
livinglies.wordpress.com | June 22, 2016
Before any financial crisis, there are certain signs that appear that should cause homeowners and investors to batten down the hatches. Although this is an unscientific analysis, over the last three housing bubbles certain patterns emerged. First of all wages will stagnate, next the cost of living inflates, high-end condo sales slow, and then commercial real estate prices decrease while vacancies increase. After these events occur- the housing bubble appears next. We are seeing all of the economic indicators that were seen in 2007 before the Great Recession.
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Mortgage Madness Reignites at Wells Fargo and BOA
livinglies.wordpress.com | June 21, 2016
Wells Fargo and Bank of America have announced that they will be offering 3% down loans that are proven to be as high risk as no-money-down mortgages. These loans will be offered to people with poor credit. If 3% is too much to put down, the banks are offering insane “incentives” to entice borrowers to reignite a stalling real estate market.
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Your Day in Court—It’s not Personal
livinglies.wordpress.com | June 20, 2016
People take things seriously in court. Judges and lawyers, not so much. People think that the banks have feelings for them—negative but nonetheless feelings. They don't. It is all a game to them of strategy and tactics just like it has always been in trial work for centuries. Neither the banks nor their lawyers hate you. They just want to win and keep their losses to a minimum even while knowing that they are continuing the fraud in the hope of covering up their misdeeds. They don't care if you live or die, if your life is destroyed or you make millions. That is irrelevant to them.
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The Psychological Warfare of Loan Servicing
livinglies.wordpress.com | June 19, 2016
The banks commit felonious financial crimes against homeowners with impunity. But even more egregious and unconscionable than the theft of assets, is the theft of solitude, hope, and life quality. The banks decimate families and they eradicate a person’s belief in what is “just” and lawful.
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Countrywide co-founder won't face U.S. charges over mortgage crisis
houstonchronicle.com | June 19, 2016
The Justice Department's pursuit of Angelo Mozilo, one of Wall Street's most recognizable names tied to the subprime mortgage crisis, is ending with a whimper. After earlier dropping a criminal investigation of Mozilo, federal prosecutors recently decided against filing a civil fraud case against him, said two people briefed on the matter who spoke on the condition of anonymity.
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Breaking News Archive

 

Letters From The Editor

U.S. Bank v Naife
July 22, 2016
TILA rescission remand affidavit that disclosures were inadequate; trial court to decide if adequate; if not, court imposes terms of recisssion remedy.
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Saterbak Petition for Review Denied Sc Notification for: S234109
appellatecases.courtinfo.ca.gov | July 14, 2016
Laura Saterbak appeals a judgment dismissing her first amended complaint (FAC) after the sustaining of a demurrer without leave to amend. Saterbak claims the assignment of the deed of trust (DOT) to her home by Mortgage Electronic Registration Systems, Inc. (MERS) to Structured Asset Mortgage Investment II Trust 2007-AR7 Mortgage Pass-Through Certificates 2007-AR7 (2007-AR7 trust or Defendant) was invalid. Arguing the assignment occurred after the closing date for the 2007-AR7 trust, and that the signature on the instrument was forged or robo-signed, she seeks to cancel the assignment and obtain declaratory relief. We conclude Saterbak lacks standing and affirm the judgment.
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Good News - TRO Against Pre-foreclosure Issued in Federal Court - ND CA Based on YVANOVA Citing LUNDY
July 13, 2016
On its face, the holding in Yvanova is limited to post-foreclosure claims. There is at least an argument, however, that its reasoning is equally applicable to pre-foreclosure claims. See Lundy v. Selene Fin., LP, No., 2016 WL 1059423, at *10 (N.D. Cal. Mar. 17, 2016, predicting that California Supreme Court will extend Yvanova to the pre-foreclosure context).
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Deutsche Bank's Chief Economist Calls For €150 Billion Bailout Of European Banks
zerohedge.com | July 12, 2016
The cards have been tipped, and it appears Italy's Prime Minister may have been right. In the aftermath of Brexit, much of the investing public's attention has turned to Italian banks which are in desperate need of a bailout as a result of €360 billion in bad loans growing worse by the day (and not a bail-in, as European regulations mandate, as that would lead to an immediate bank run) to avoid a freeze and/or collapse of Italy's banking sector. This has pushed stock prices - and default risk - on Italian banks to record levels.
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The Epic Collapse of Deutsche Bank
visualcapitalist.com | July 11, 2016
It’s been almost 10 years in the making, but the fate of one of Europe’s most important financial institutions appears to be sealed. After a hard-hitting sequence of scandals, poor decisions, and unfortunate events, Frankfurt-based Deutsche Bank shares are now down -48% on the year to $12.60, which is a record-setting low.
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Deutsche Bank v. Pinette
justia.com | July 1, 2016
Plaintiff-lender Deutsche Bank National Trust Company (as trustee) appealed a superior court decision to grant defendant-borrower Kevin Pinette's motion to dismiss. The lender tried to foreclose on property of Pinette, but the superior court dismissed its claims on foreclosure, the unpaid balance on a promissory note, and a deficiency judgment on the ground that they were barred by claim preclusion, as lender had previously instituted an identical action against borrower in 2013, which had been dismissed for failure to prosecute.
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Cattle Nat’l Bank & Trust Co. v. Watson
justia.com | July 1, 2016
A Bank filed an action against four Guarantors on their personal guaranties of an LLC’s debts. That action resulted in three appeals by the Guarantors. The first appeal was generated after the district court granted the Bank’s motions for summary judgment but failed to adjudicate a cross-claim. The second appeal was taken from execution and garnishment proceedings that occurred while the first appeal was pending.
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OneWest Bank, N.A. v. Melina
justia.com | July 1, 2016
OneWest commenced a foreclosure action against defendant. The district court denied defendant's cross-motion to dismiss and granted OneWest's motion for summary judgment. The district court held in part that a national bank such as OneWest is a citizen only of the state in which its main office is located - not also of the state of its principal place of business - and that OneWest’s main office is indisputably in California.
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In re Payment Card Interchange Fee and Merchant Discount Antitrust
justia.com | July 1, 2016
In an antitrust class action brought on behalf of approximately 12 million merchants against Visa and Mastercard, as well as other various banks, plaintiffs alleged conspiracy in violation of Section 1 of the Sherman Act, 15 U.S.C. 1. After the parties agreed to a settlement releasing all claims, the district court certified two settlement-only classes and approved the settlement.
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Wright v. Bank of America, N.A.
June 30, 2016
In a case brought by the Federal Trade Commission (“FTC”), the U.S. District Court in Los Angeles has placed the law firms of Advantis Law and Brookstone Law under the control of a receiver. Details about the case, and access to the pleadings and orders, can be seen at the Receiver’s website, www.regulatoryresolutions.com. Click the Cases tab at the top of the website page and then the link for Federal Trade Commission v. Kutzner.
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Supreme Court lets debt collection class-action suit proceed
finance.yahoo.com | June 28, 2016
WASHINGTON (Reuters) - The U.S. Supreme Court on Monday allowed a class-action lawsuit against debt collector Encore Capital Group Inc to move forward, declining to hear its claim that such companies should be protected from state "usury" laws barring money-lending at unreasonably high interest rates.
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Ocwen (OCN) to Pay $30M to Settle HAMP Disclosure Issues
finance.yahoo.com | June 28, 2016
Last week, Ocwen Financial Corp. OCN agreed to settle a couple of lawsuits that alleged it of providing misleading data related to the loans it was servicing. The company revealed this agreement in a filing with Securities and Exchange Commission (SEC). The lawsuits were filed by Michael Fisher and the U.S. Justice Department (DoJ) in 2012. Ocwen will be paying $15 million to both Fischer and the DoJ, though the settlement is yet to receive legal approval. Notably, the company neither accepted nor denied any wrong doing.
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MERS Manual 2010
June 23, 2016
Although MERS tracks changes in ownership of the beneficial rights for loans registered on the MERS® System, MERS cannot transfer the beneficial rights to the debt. The debt can only be transferred by properly endorsing the promissory note to the transferee. As a MERS Member you have two options for registering a transfer of beneficial rights to another Member: Option 1 and Option 2. The determination of whether Option 1 or Option 2 is used is based on the Membership Profile of the purchasing investor.
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Yvanova STRIKES Thrice
stopforeclosurefraud.com | May 21, 2016
Well ACTUALLY it was SEVEN...KESHTGAR v. U.S. BANK, MENDOZA v. JPMORGAN CHASE BANK, CASTRO v. INDYMAC INDX MORTGAGE LOAN TRUST 2005-AR21 | VACATED... "...with directions to vacate its decision and to reconsider the cause in light of Yvanova v. New Century Mortgage Corp...."
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URGENT! "Prejudice" left open in Yvanova is met by alleging "LOSS OF HOME" proximately caused by VOID Assignment!
justia.com | May 20, 2016
In this action for wrongful foreclosure, the homeowner, Monica Sciarratta, alleged that as a result of a void assignment of her promissory note and deed of trust, the entity that conducted a nonjudicial foreclosure sale on her home had no interest in either the underlying debt or the subject property. In Yvanova v. New Century Mortgage Corp., (62 Cal.4th 919 (2016)), the California Supreme Court held that the homeowner has standing to sue for wrongful foreclosure. However, Yvanova did not address "any of the substantive elements of the wrongful foreclosure tort," and in particular did not address "prejudice . . . as an element of wrongful foreclosure."
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Baker v. Northwest Trustee discussion broadcast is available
May 17, 2016
As many of you know, the host of the popular foreclosure radio show "The Foreclosure Hour" attorney Gary Victor Dubin (who shepherded one of the cases heard in the JESINOSKI decision heard by the US Supreme Court, and is VERY affluent in TILA Rescission) featured our case on his radio show yesterday. Below is the link to the archived show for those who wanted to listen and could not and a link to download the appellate courts' ruling.
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Chain of Title - the story of Lunn Szymoniak, Michael Redman, and Lisa Epstein exposing Bankster Fraud
May 6, 2016
Here's a brief synopsis of the book: Chain of Title follows three individuals in south Florida who were instrumental in exposing one of Wall Street's greatest secrets: mortgage companies didn't actually have the evidence necessary to foreclose on millions of homes, and they covered it up by producing false documents in mass quantities and delivering them to courthouses and county recording offices.
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"Chase agreed to settle for only PART of the property tax owed. The bankruptcy court approved the settlement agreement so It is a done deal. Once I submitted your audit, in my amended objection to their proof of claim, they started talking about a settlement. Anyway, I am interested in taking your three day course at a future date. Thanks again."
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CFLA offers attorneys full foreclosure audits and strategies. Our expertise are Bloomberg Securitization Audits as well as complete turn-key Quiet Title Litigation solutions for licensed attorneys to competently sue lenders for state & federal Violations to either stop foreclosure, obtain legal damages, or both.

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Attorney State Bar Approved Continuing Education Training Classes (CLEs) are taught by trained CFLA industry experts. Our CLEs have been approved by the State Bars of TX, CA, FL, NV, NY, GA, and Hawaii. Bankruptcy Practice, Foreclosure Defense Strategies, Principal Reductions through Strategic Litigation, Mortgage Securitization in Litigation, and the Homeowners Bill of Rights are among the subjects presented during our CLE classes. CFLA keynote speakers include: Patricia Rodriguez, Esq; John Fretz, Esq; Andrew P. Lehman, J.D.; Divina Westerfield, Esq.; Regis Sauger, Charles Christmas, Esq; Timothy O’Reilly, Esq.; Amar Gupta, Esq.; and others.

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CFLA is the recognized leader throughout the U.S. as experts in Mortgage Securitization and Training. As founders and creators of this industry, we have long set the bar for expectations of a Auditing Company. Our experienced staff of Certified Auditors, Licensed Attorneys, Officers, and Employees are committed to continue to grow this entire industry and uncover hidden trade secrets to expose Banking Institutions of Predatory Lending, Mortgage Fraud and Securitzaiton Fraud.

 

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In 2007, CFLA was founded by the Nation’s Leading Foreclosure Defense Attorneys to serve the Foreclosure Defense Industry and fight pervasive Bank Fraud and Institutional Fraud. CFLA united some of the best minds in the legal and technological fields to make this vision a reality. The result is CFLA—the foremost, nationally recognized legal brand for law firms, attorneys, and small business across the United States. Since opening our virtual doors, CFLA has rapidly expanded to become the premier online legal destination for small businesses and consumers. As the company continues to grow, we continue to hold true to our original vision. For us, putting the law within reach of millions of people is more than just a novel idea—it's our founding principle.

Call us today to obtain samples of work product, including Bloomberg Securitization Audits, Litigation Support, Quiet Title Packages, and to get more information about our Nationally Accredited and Industry Acclaimed Forensic Loan Analyst Training Certification Classes (3 days). The Nation’s Only Certification Training Class for Analyts in this industry!

 

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NEW CASE: Glaski Securitization Audits Can Prove Wrongful Foreclosure in California
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Mortgage Securitization Analyst Training
Certified Forensic Loan Auditors, LLC. has created a complete training certification program entitled: Mortgage Securitization Analyst "MSA"- A 20-hour in-person intensive seminar held across the country.
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"To simply assert mortgage fraud is one thing. But to provide the evidence that will stand up in court is another. CFLA has done an excellent job providing home owners and legal professionals the necessary & essential tools to prove a case on behalf of home owners. I have observed the growth and development of CFLA over the last several years. I am grateful for the dedication and commitment to excellence demonstrated by Andrew Lehman, the founder and chairman of CFLA and his network of legal professionals. Whether you are challenged with debt or wanting to help those who are, CFLA provides the clear and simple learning that empowers you with a new perspective & alternative remedies."
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Mortgage Securitization Auditors, trained by CFLA, have been admitted as Expert Witnesses in nearly every jurisdiction nationwide and have a minimum of 10 years of industry related experience, 40 Hours of Classroom Training on Mortgage Securitization, and have been certified through our Nationally Recognized “Mortgage Securitization Analyst Training Certification Class.”
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Certified Forensic Loan Auditors, LLC
13101 West Washington Blvd., Suite 444
Los Angeles, CA 90066

Phone: 832-932-3951
Toll Free: 888-758-CFLA (2352)
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CFLA IS NOT A LAW FIRM AND DOES NOT PROVIDE ANY LEGAL ADVICE. CFLA DOES NOT OFFER FORECLOSURE CONSULTING OR FORECLOSURE RELIEF
SERVICES. CFLA DOES NOT OFFER OR ASSIST WITH ANY LOAN MODIFICATION SERVICE. CFLA ALWAYS RECOMMENDS THAT CLIENTS RETAIN COMPETENT COUNSEL IN THEIR RESPECTIVE JURISDICTION. CFLA HAS A FREE PROGRAM TO REFER CFLA CLIENTS TO LAW FIRMS IN NEARLY EVERY STATE AND CFLA
DOES NOT CHARGE OR OBTAIN REFERRALS FEES FOR THESE SERVICES. SERVICES NOT OFFERED TO RESIDENTS OF THE STATE OF NEVADA.

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