Mortgage Foreclosure Research Papers - Academia.edu (original) (raw)

Vallejo files for review before the Supreme Court of California based on the fact Judges in California had interests in real estate and mortgage backed securities ( MBS ) which should have recused themselves and did not. This created a real conflict of interest prohibited by the Judicial Ethics Commission of California rending the ruling null and void and a rehearing scheduled as soon as possible. Title is still in Vallejo as Quiet Title Action proceeds.
AAF : CRITICAL ISSUES IN CALIFORNIA!
This Court's review is critical to protect homeowners’ constitutional rights to not have their homes taken by those who are not holders nor beneficiaries of their debt, particularly when a homeowner such as Petitioner
(“Flaherty” or “Homeowner”) did not default on his mortgage.
CERTIFICATE OF INTERESTED PARTIES
JPMorgan Chase & Company; Bank of America, N.A.; Countrywide Home Loans Servicing LP; Countrywide Financial Corporation; Countrywide Home Loans, Inc.; ReconTrust Company; U.S. Bank N.A.; U.S. Bancorp; Zuni Investors, LLC; The Zuni Mortgage Loan Trust 2006-OAl; MERSCORP Holdings, Inc.; MERS; Goldman Sachs; Angelo Mozilo; Stanford Kurland;Anne D. McCallion; Laura K. Milleman; Marshall Gates; Gene Soda; Jon Orville Freeman; Holly Hill Investments, LLC; Quanta Finance; the 1 Sharpe Opportunity Intermediate Fund Trust; Blackstone. The undersigned is aware of no other interested entities with an ownership interest, or a financial or other interest in the outcome of this proceeding that the justices should consider in determining whether to disqualify themselves.
The underlying courts in this case expressly rejected Yvanova, continuing the irreconcilable cycle of case law conflict that has existed ever since Yvanova came down in 2016 and some lower courts stood by Jenkins anyway. The “Jenkins” courts in this case for instance believe, if a homeowner does not have standing to challenge an unauthorized act by an alleged trustee or the power of a party to foreclose, he or she may then not have standing to challenge an alleged trustee’s sale that took place only in the computer system of ReconTrust to a disputed trustee U.S. Bank who did not have any assignment -- and in contravention of lawful court orders prohibiting any sale.
https://www.academia.edu/41161278/IN_THE_SUPREME_COURT_OF_THE_STATE_OF_CALIFORNIA_PETITION_FOR_REVIEW?email_work_card=thumbnail-desktop

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- Judicial review, Mortgage Foreclosure, Judicial Corruption, Stop Foreclosure

In this paper we analyze the historical roots of neoliberal housing policies, mottos and principles in Italy and Spain, two countries with a Mediterranean welfare regime, showing how they are embedded in the twentieth century fascist-dictatorial regimes of Mussolini and Franco. To stimulate economic growth in a situation of autarchy, both regimes saw the construction sector and the promotion of homeownership as keys to fuel the accumulation process while believing this guaranteed social order. After acknowledging these long-standing roots, we show how the current phase of neoliberalism, characterized by severe austerity policies, relies on similar principles, the main reforms approved in both countries proceeding mainly towards cuts to service provisions and resources, while the promotion of homeownership remains unchallenged.
Keywords: neoliberalism; housing policy; austerity policies; Mediterranean welfare regime; Italy; Spain

- by Cesare Di Feliciantonio and +1
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- Italian Studies, Welfare State, Fascism, Housing Policy

Debt and personal indebtedness have become a global problem as consumption-driven economies have spread across the world. These days, outstanding consumer debt is a normal feature of many economies and for a large number of people, the source of great mental distress. However, an understanding of personal debt requires an understanding of the complex social systems that produce poverty. This book frames credit use as a social phenomenon, and explores the dynamic interplays between consumers who need credit and credit granting institutions. By drawing upon a range of international perspectives, this book sheds much needed light on the social and psychological factors that contribute to the growth of personal debt and its associated impact on wellbeing. In so doing, the book contributes to an understanding of why more and more people are in debt, why it is causing so much harm to so many people and exactly who is benefiting from what has become the world's number one growth industry.
Edited by Serdar M. Degirmencioglu & Carl Walker.
Hardcover 9781137407788. forthcoming in June 2015.

Apparently from the evidence discovered and being investigated the Attorney General of Texas, these documents signed by M.E. Wileman, at 2860 Exchange Blvd., #100, in Southlake, TX 76092, are fraudulent and robo-signed. We recommend any and all affected parties to file complaints with the AG, OCC, CFPB, and FBI immediately.
These documents are usually Assignments of Deeds of Trust alleging to give companies such as the U.S. BANK TRUST, N.A., AS TRUSTEE FOR THE LSF9 MASTER PARTICIPATION TRUST, standing to foreclose and evict innocent American Homeowners from their homes.

- by Ed Vallejo
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- Mortgage Foreclosure, Fraud, Forensic Accounting and Fraud Examination, U.S. BANK
- by John Reed
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- Mortgage Foreclosure, Stop Foreclosure

This is a homeowner qualified written request ( QWR ) to lenders across the United States.

- by Ed Vallejo and +1
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- Judicial review, Judicial Precedent, Judicial Reform, Mortgage Foreclosure

Here is the Appellant's reply brief to the fraudulent accusation of her property via identity theft.

COMPLAINT FILED AGAINST WILMINGTON, BANK OF AMERICA FORECLOSURE FRAUD In this case of obvious and patent FORECLOSURE FRAUD a Homeowner in Florida lays out exactly how the securitization Ponzi scheme takes place leaving the mortgage... more

- by Ed Vallejo
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- Banking, Banking Law, Mortgage Foreclosure, Florida

DEFENDANT PennyMac files their Demurrer to Plaintiff's Third Amended Complaint after appeal.

- by Sherry Hernandez
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- Contract Law, Legal research, Mortgage Foreclosure, Falsified Documents

This handbook is intended to help people who want, or need, to participate in a civil lawsuit in this court (United States District Court for the Northern District of California) without having the help of a lawyer. It is not intended for use by
people who want to defend themselves in a criminal case without a lawyer.
This handbook is also not intended for companies or similar entities (under Civil Local Rule 3-9, only individuals may participate in a lawsuit without a lawyer). If you are suing
on behalf of a company or a partnership or some other such entity, you need to get a lawyer who
is a member of the bar of the United States District Court for the Northern District of California.
Assuming that you are an individual who is considering representing yourself in a
civil lawsuit, you should be aware that there may be alternatives to suing. Lawsuits can be
costly, time-consuming and stressful.

Cox v LSF9 Master Participation Trust and US Bank as Trustee Fraud Another Homeowner wins an unlawful foreclosure case against U.S. Bank Trust, N.A., U.S. Bank, N.A., U.S. Bancorp, the LSF9 Master Participation Trust, et al, as the... more

- by Ed Vallejo
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- Judicial review, Judicial Politics, Judicial Precedent, Judicial Reform

"...On Tuesday, April 6, 2021, I received by US Mail an offer to open a NEW credit card account with WELLS FARGO (See attached offer, pictured below). While I certainly appreciate the opportunity to rebuild a business relationship with WELLS FARGO, you are well-aware that there are substantial legal issues which must first be justly resolved - before giving any consideration to such offers (Ref. the $42B Federal lawsuit - HARIHAR v US BANK, et al, Docket No. 15-cv-11880, US District Court, Boston, MA)..."

- by Mohan Harihar
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- Criminal Law, Constitutional Law, Civil Law, Economics
- by Sherry Hernandez
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- Identity Fraud/Theft, Judicial Reform, Mortgage Foreclosure, Stop Foreclosure

If you have an open case or not and you are fighting the theft of your home because of BREACH OF CONTRACT, RICO, Slander of Title, conversion, violations of the Congressional Banking Regulations and other claims then open this file and read. We have compiled this and shared it with the public servants, we encourage you to do the same, share the link we provide, fax and email it. We know the truth and so do the public servants. https://www.dropbox.com/sh/z2kslzei1mxrgeo/AACkYWdbj3G5v2Dw_mXbOgn5a?dl=0 Title Shall not pass by fraud and one who is without clean hands cannot transfer it..ie: Trust names and third party purchaser names are not valid on your title and the fraud upon the title means it is still yours, no matter what the criminals want to pretend and opine. Don't let them assume anything. Even if one buys a home without knowing it is stolen title they cannot just keep the title when you contest it. Key Words, "TITLE SHALL NOT PASS BY FRAUD." To resolve this dilemma, we begin with a basic policy of jurisprudence: a person cannot transfer better title than he or she had. (The Uniform Commercial Code [UCC] notes this policy in Sections 2-403, 2A-304, and 2A-305.) https://saylordotorg.github.io/text_business-law-and-the-legal-environment-v1.0-a/s21-title-and-risk-of-loss.html conversion (i.e., the unlawful assumption of ownership of property belonging to another) and claiming damages or the right to recover the goods. (our team stands on the fact the Foreclosure Mills are using fraud upon the courts and land records to give an appearance of standing they never have, hence stealing title through conversion.) The Contract is VOID (not voidable!) when there is no contract, when the alleged deed of trust or mortgage you thought you were getting was unknowingly converted (Conversion) to a Security. That Security Instrument became the derivative as the weapon of mass destruction to homeowners everywhere. The Breach of Contract happened at the beginning of your journey with the criminals, it is Financial Crimes. There was no meeting of the minds, VOID is what it is and the Foreclosure Mills count

Americans Against Foreclosures ( AAF ) with over 1,600 Homeowners across the United States have investigated and discovered that Banks, among them U.S. Bank specifically, have apparently bribed Judges in cases of foreclosure and evictions to rule in the Banks' favor. AAF has obtained the evidence from the Committee on Financial Disclosure. Judges with investments and mortgages taken out with these Banks in favorable conditions.

- by Ed Vallejo
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- Courts, U.S. Congress, Congressional Politics, Mortgage Foreclosure

Need more time to respond to the 59 pages of lies.

Homeowner files an ex-parte motion to reopen his Bankruptcy case in the Federal Court, after he obtains evidence that all beneficial interest of his mortgage is owned by the Federal National Mortgage Association ( FANNIE MAE ), and not U.S. Bank Trust, N.A., since no assignment from FNMA to U.S. Bank Trust, N.A. exists. Also the alleged "servicer and owner of the note and deed of trust" called Ditech Financial assigned all beneficiary interest to Fannie Mae on June 20, 2016, and then Caliber Home Loans, Inc. claimed to act as an Attorney in Fact for Ditech in January 2017, and claimed to assign the deed of trust to U.S. Bank Trust, N.A. as a Trustee of the LSF9 Master Participation Trust when Ditech no longer owned the note and deed of trust. This confusion and violation of Tila, RESPA, and the False Claims Act ( FCA ) has been going on since 2008. Time for clarification from the Courts across the United States as to who is the real party in interest pursuant to FRCP 17.

- by Ed Vallejo
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- Judicial review, Judicial Precedent, Judicial Reform, Bankruptcy

The 2008 mortgage crash and the online publics that have emerged in its aftermath have reshaped American interpretations of indebtedness. Combining research among homeowners facing foreclosure in California’s Sacramento Valley with an analysis of the national online forums they frequent, I show how participants rethink the moral scaffolding of debt relations within what I describe as online publics of indebtedness. Anonymous online publics foster experiences of disembodied autonomy that encourage debt refusal and discipline the middle-class ethics of debt abandonment, as participants distinguish between mortgagors who deserve not to pay their debts and those they deem irresponsible for defaulting on their loans. In contrast, participation in semipublic social networks and online forms of publicity emphasizes new affective orientations toward debt obligations. My analysis contributes to an anthropological scholarship on moral economies by exploring the role of distinct forms of new media in shaping everyday experiences of indebtedness in late-capitalist financial markets.

- by Noelle Stout
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- Political Economy, Social and Cultural Anthropology, Social Capital, Social Media

On 9/10/2020 Cindy Brown filed the attached motion to vacate a prior void judgement. The hearing was on October 5, 2020 (document upload to follow) The court granted Ms. Brown a stay pending the Defendants answer, scheduled for... more

These new discoveries (in part) are related to evidenced legal arguments brought by the Federal government – Ref. “THE UNITED STATES v ACE CORP, et al” Docket No. 0:2013cv00464 and the sworn testimony of Nationally recognized Fraud Expert... more

- by Mohan Harihar
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- Finance, History, Criminal Law, Constitutional Law

Defending Foreclosures in Florida

Example of Fraudulent documents filed at County Recorders office

Firms can finance themselves on- or off-balance sheet. Off-balance sheet financing involves transferring assets to "special purpose vehicles" (SPVs), following accounting and regulatory rules that circumscribe relations between the sponsoring firm and the SPVs. SPVs are carefully designed to avoid bankruptcy. If the firm's bankruptcy costs are high, off-balance sheet financing can be advantageous, especially for sponsoring firms that are risky. In a repeated SPV game, firms can "commit" to subsidize or "bail out" their SPVs when the SPV would otherwise not honor its debt commitments. Investors in SPVs know that, despite legal and accounting restrictions to the contrary, SPV sponsors can bail out their SPVs if there is the need. We find evidence consistent with these predictions using data on credit card securitizations.

Documents referred to on Justice Served internet radio show

- by Scott Stafne
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- Corruption (Corruption), Mortgage Foreclosure, Corruption, Stop Foreclosure

The share of limited liability company can not be classified as a movable asset registered in public registers, with the consequent inapplicability of the regulation of the transfer of registered movable property, in the sense that the registration in the Register of Companies is a necessary, but not sufficient, requirement. purposes of the opposition to the third party, requesting the further requirement of the good faith

- by Domenico Fauceglia
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- Business Law, Private law, Civil Procedure, Company Law
- by Charles Cox
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- Mortgage Foreclosure

PATENT FOR SYSTEM AND METHOD FOR MANAGING ELECTRONIC REAL ESTATE REGISTRY INFORMATION which will be referenced during "Taking Back Our Country" on Hamilton Radio on Monday, November 16, 2015 at 10:00 pm est, 9:00 pm cst, 8:00 pm rmst,... more

- by Scott Stafne
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- Law, Philosophy Of Law, Mortgage Foreclosure, Stop Foreclosure

Desde el estallido en 2008 de la burbuja inmobiliaria y financiera, el sobreendeudamiento hipotecario representa una preocupación para muchas familias españolas y catalanas, en un contexto de «nueva pobreza» caracterizada por el desempleo masivo y por unas políticas de austeridad que han conducido a muchas personas a la exclusión social. La pérdida de la vivienda tiene impacto sobre las relaciones sociales y condiciona tanto las estrategias socioeconómicas como las interpretaciones culturales del endeudamiento, en términos de estigma y de negación de una segunda oportunidad vital. Las realidades analizadas en el contexto de esta emergencia habitacional están marcadas por la amenaza del sinhogarismo, pero también por la oportunidad de la participación en un movimiento colectivo. Desde una aproximación etnográfica, los textos exploran, por una parte, la condición del endeudamiento y su impacto en las personas, y, por otra, las funciones ideológicas, políticas y socio-afectivas de un m...

- by Irene Sabaté
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- Cultural Studies, Political Science, Urban Studies, Affordable Housing