Make The Bank Produce The Wet Ink Signature Note

If your bank/lender does not have the original unaltered wet ink signature NOTE they do not have the authority to foreclose on your property. Learn your rights and learn how to save your home. Foreclosures are up 45% and only 2-4% of all modifications have been approved and performed. Interested in learning more or how to fight on your own attend SEMINAR listed below.

PROCEDURES TO USE

After the writing of this Article I have researched and found some greater methods producing the NOTE is part of it but in a different aspect to see more and see updates to this process please click this http://bizcovering.com/real-estate/keep-your-house-fight-foreclosure-fraud/  , learn how you can uncover the fraud of in your forelclosure and learn how & why you can sue your bank for triple the damages plus pain and suffering.  Interested in learning more or how to fight on your own attend this Seminar www.attorneyprod.com LIMITED SEATING AVAILABLE

PRODUCE THE NOTE”

There are two types of foreclosures, judicial and non-judicial. In some states, a lender can foreclose on your home without going to court, this happens when you sign a deed of trust at your closing. This occurs in states that allow non-judicial foreclosure. Keep in mind some states carry both judicial and non-judicial foreclosure laws. Producing the note is only the stall tactic but also another key to the rest of the process.

You can still use the “Produce the Note” strategy in these states, but it takes a few more steps on your part.

The premise for using the “Produce the Note” is this:  When a homeowner is faced with a foreclosure suit, “Produce the Note” requires the lender by law to prove it has the actual authority to foreclose, by requiring it to officially produce the original wet ink unaltered promissory note in the lawsuit. In addition to the Producing the Note the Pretender lender must prove standing! 85% of the time the so called lender cannot. 

But if there is no foreclosure lawsuit, what can homeowners do?  In these “nonjudicial foreclosure” states, such as California, Texas, or the thirty or more other states with similar procedures, the homeowner has to file a lawsuit against the party trying to foreclose. If you live in a state that has a Right of redemption period you can also use this process. Keep in mind even if the property sold at auction you have the right to still fight for your property. 

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  1. HOW TO WIN IN COURT!

    DO NOT ARGUE THE NOTE

    The MAIN ISSUE in court is NOT to argue the existence of the promissory note. Remember that. The note does get redeemed as cash to the bank. Don’t get caught up on the issue of the original note or a copy of it. This note argument is not enough for you to win, or enough for them to prove standing. The alleged lender will actually be in court to win based a foreclosure on the trust deed/or mortgage, not the note. The note process only sets up the argument for you.

    The REAL issue to argue in court is to prove their “standing” due to the non-validity of the deed of trust (or mortgage). That contract is only about their “power of sale” and standing. If they cannot prove the validity of their contract, they lose.

    Remember the deed of trust said something to the effect “I am fully seized of the property”, meaning you own it free and clear of liens and encumbrances. This proves they used the promissory note (signed just before) as a cash payment. Their non disclosure of this is fraud upon you, the victim.

    This is a key transitional point in your argument and position

    They were paid and then agreed to it in the deed of trust/mortgage. However, if they are saying they actually gave you real money as a loan, this could not have also happened. Only if they accepted the note as cash could this be true. Therefore, the deed of trust would be invalid on it’s face, and therefore their claim of a debt owed and damaged invalidated. For them to be there claiming you owe a debt is contradictory to the language of the deed of trust. If the deed of trust is valid, have them bring proof of their claim, right to standing, and claim. In other words, you can demand they must show their damages, using several accounting documents they would need to possess, if the loan had in fact been made (see the first letter to lender to lender for that example).

    If their deed of trust/mortgage contract is not valid, they have no standing and lose before the case is presented. This is where you can win in court. Were they “injured”? Make them prove it.

    You need to require them to produce validity of their claim. If you do not force them to bring this evidence, they will not have to present it, because the judge will presume they have standing, and thus they can win automatically. This is where a lot of cases are lost.

    The judge already presumes the alleged mortgage is valid. By the way, once a case is being responded to or your are filing a new case, you need pre-file your documents into the court record before entering (use a process server to give it more standing). When in court, object to anything other than their providing required evidence to prove standing, as a damaged party. They cannot have been “injured”, because no legal consideration was given by them to establish the deed of trust. This is your key to winning.

    You must move the court to force them bring the evidence and prove their standing as a truly damaged party. Object to any presentation of their evidence that does not prove the “validity” of the deed of trust/mortgage. No “valid” deed of trust/mortgage equals no case for them. Object to everything they present short of the documents demanded in the first letter to lender. Then YOU move the judge to order a summary judgment in your favor, if they cannot produce sufficient evidence.

    Getting into any other arguments or points the attorney for the other side presents, will likely be nothing but legal trickery to get you off subject. Then you lose by presumption.

    Keys to winning in court:

    1. Do not argue the note, but argue the validity of the deed of trust/mortgage.

    2. Object to anything other than their proving validity of the dot/mortgage. If the note was accepted as cash by them, the sale was paid in full; there would be no need for a dot/mortgage, and thus that dot/mortgage would be invalid.

    If they accepted the note as payment in full, then the dot/mortgage clause regarding being fully seized” would be accurate. So why is there a dot/mortgage at all? Was this disclosed to you? NO

    3. Make them prove they loaned you real money and were thus damaged, using the documents listed in the first letter to lender. If they cannot prove their standing and claim, they do not have a valid agreement, and thus no claim.

    4. Object to anything other than making these points about proving standing.

    5. Move the court for summary judgment in your favor and to dismiss their claim.

    PRACTICE MAKES PERFECT: Get with a friend and practice writing your argument, and practice making these arguments. Practice prepares you to jump into the jungle, like a soldier. Also go to court and watch a few times before you ever present your case. Watch for news on this. CLICK BELOW TO LEARN MORE NOW! OPT IN FOR THE FREE REPORT THEN CLICK ON THE 2ND TAB AND START LEARNING NOW!

    http://tinyurl.com/3y9vgd9

  2. HOW TO WIN IN COURT!

    DO NOT ARGUE THE NOTE

    The MAIN ISSUE in court is NOT to argue the existence of the promissory note. Remember that. The note does get redeemed as cash to the bank. Don’t get caught up on the issue of the original note or a copy of it. This note argument is not enough for you to win, or enough for them to prove standing. The alleged lender will actually be in court to win based a foreclosure on the trust deed/or mortgage, not the note. The note process only sets up the argument for you.

    The REAL issue to argue in court is to prove their “standing” due to the non-validity of the deed of trust (or mortgage). That contract is only about their “power of sale” and standing. If they cannot prove the validity of their contract, they lose.

    Remember the deed of trust said something to the effect “I am fully seized of the property”, meaning you own it free and clear of liens and encumbrances. This proves they used the promissory note (signed just before) as a cash payment. Their non disclosure of this is fraud upon you, the victim.

    This is a key transitional point in your argument and position

    They were paid and then agreed to it in the deed of trust/mortgage. However, if they are saying they actually gave you real money as a loan, this could not have also happened. Only if they accepted the note as cash could this be true. Therefore, the deed of trust would be invalid on it’s face, and therefore their claim of a debt owed and damaged invalidated. For them to be there claiming you owe a debt is contradictory to the language of the deed of trust. If the deed of trust is valid, have them bring proof of their claim, right to standing, and claim. In other words, you can demand they must show their damages, using several accounting documents they would need to possess, if the loan had in fact been made (see the first letter to lender to lender for that example).

    If their deed of trust/mortgage contract is not valid, they have no standing and lose before the case is presented. This is where you can win in court. Were they “injured”? Make them prove it.

    You need to require them to produce validity of their claim. If you do not force them to bring this evidence, they will not have to present it, because the judge will presume they have standing, and thus they can win automatically. This is where a lot of cases are lost.

    The judge already presumes the alleged mortgage is valid. By the way, once a case is being responded to or your are filing a new case, you need pre-file your documents into the court record before entering (use a process server to give it more standing). When in court, object to anything other than their providing required evidence to prove standing, as a damaged party. They cannot have been “injured”, because no legal consideration was given by them to establish the deed of trust. This is your key to winning.

    You must move the court to force them bring the evidence and prove their standing as a truly damaged party. Object to any presentation of their evidence that does not prove the “validity” of the deed of trust/mortgage. No “valid” deed of trust/mortgage equals no case for them. Object to everything they present short of the documents demanded in the first letter to lender. Then YOU move the judge to order a summary judgment in your favor, if they cannot produce sufficient evidence.

    Getting into any other arguments or points the attorney for the other side presents, will likely be nothing but legal trickery to get you off subject. Then you lose by presumption.

    Keys to winning in court:

    1. Do not argue the note, but argue the validity of the deed of trust/mortgage.

    2. Object to anything other than their proving validity of the dot/mortgage. If the note was accepted as cash by them, the sale was paid in full; there would be no need for a dot/mortgage, and thus that dot/mortgage would be invalid.

    If they accepted the note as payment in full, then the dot/mortgage clause regarding being fully seized” would be accurate. So why is there a dot/mortgage at all? Was this disclosed to you? NO

    3. Make them prove they loaned you real money and were thus damaged, using the documents listed in the first letter to lender. If they cannot prove their standing and claim, they do not have a valid agreement, and thus no claim.

    4. Object to anything other than making these points about proving standing.

    5. Move the court for summary judgment in your favor and to dismiss their claim.

    PRACTICE MAKES PERFECT: Get with a friend and practice writing your argument, and practice making these arguments. Practice prepares you to jump into the jungle, like a soldier. Also go to court and watch a few times before you ever present your case. Watch for news on this. CLICK BELOW TO LEARN MORE NOW! OPT IN FOR THE FREE REPORT THEN CLICK ON THE 2ND TAB AND START LEARNING NOW!

  3. HOW TO WIN IN COURT!

    DO NOT ARGUE THE NOTE

    The MAIN ISSUE in court is NOT to argue the existence of the promissory note. Remember that. The note does get redeemed as cash to the bank. Don’t get caught up on the issue of the original note or a copy of it. This note argument is not enough for you to win, or enough for them to prove standing. The alleged lender will actually be in court to win based a foreclosure on the trust deed/or mortgage, not the note. The note process only sets up the argument for you.

    The REAL issue to argue in court is to prove their “standing” due to the non-validity of the deed of trust (or mortgage). That contract is only about their “power of sale” and standing. If they cannot prove the validity of their contract, they lose.

    Remember the deed of trust said something to the effect “I am fully seized of the property”, meaning you own it free and clear of liens and encumbrances. This proves they used the promissory note (signed just before) as a cash payment. Their non disclosure of this is fraud upon you, the victim.

    This is a key transitional point in your argument and position

    They were paid and then agreed to it in the deed of trust/mortgage. However, if they are saying they actually gave you real money as a loan, this could not have also happened. Only if they accepted the note as cash could this be true. Therefore, the deed of trust would be invalid on it’s face, and therefore their claim of a debt owed and damaged invalidated. For them to be there claiming you owe a debt is contradictory to the language of the deed of trust. If the deed of trust is valid, have them bring proof of their claim, right to standing, and claim. In other words, you can demand they must show their damages, using several accounting documents they would need to possess, if the loan had in fact been made (see the first letter to lender to lender for that example).

    If their deed of trust/mortgage contract is not valid, they have no standing and lose before the case is presented. This is where you can win in court. Were they “injured”? Make them prove it.

    You need to require them to produce validity of their claim. If you do not force them to bring this evidence, they will not have to present it, because the judge will presume they have standing, and thus they can win automatically. This is where a lot of cases are lost.

    The judge already presumes the alleged mortgage is valid. By the way, once a case is being responded to or your are filing a new case, you need pre-file your documents into the court record before entering (use a process server to give it more standing). When in court, object to anything other than their providing required evidence to prove standing, as a damaged party. They cannot have been “injured”, because no legal consideration was given by them to establish the deed of trust. This is your key to winning.

    You must move the court to force them bring the evidence and prove their standing as a truly damaged party. Object to any presentation of their evidence that does not prove the “validity” of the deed of trust/mortgage. No “valid” deed of trust/mortgage equals no case for them. Object to everything they present short of the documents demanded in the first letter to lender. Then YOU move the judge to order a summary judgment in your favor, if they cannot produce sufficient evidence.

    Getting into any other arguments or points the attorney for the other side presents, will likely be nothing but legal trickery to get you off subject. Then you lose by presumption.

    Keys to winning in court:

    1. Do not argue the note, but argue the validity of the deed of trust/mortgage.

    2. Object to anything other than their proving validity of the dot/mortgage. If the note was accepted as cash by them, the sale was paid in full; there would be no need for a dot/mortgage, and thus that dot/mortgage would be invalid.

    If they accepted the note as payment in full, then the dot/mortgage clause regarding being fully seized” would be accurate. So why is there a dot/mortgage at all? Was this disclosed to you? NO

    3. Make them prove they loaned you real money and were thus damaged, using the documents listed in the first letter to lender. If they cannot prove their standing and claim, they do not have a valid agreement, and thus no claim.

    4. Object to anything other than making these points about proving standing.

    5. Move the court for summary judgment in your favor and to dismiss their claim.

    PRACTICE WITH A FRIEND GO TO COURT WATCH SOME CASES THEN GO GET EM! Watch for news on this. CLICK BELOW TO LEARN MORE NOW! OPT IN FOR THE FREE REPORT THEN CLICK ON THE 2ND TAB AND START LEARNING NOW!

  4. Why will the original wet signature note be stamped Paid in Full? Please explain. Also, has there ever been a case where the lender produced the original wet signature note?

  5. Please send me the free forms, “letter to your lender”.

  6. I am helping my elderly mother dealing with BOA and a Making Home Affordable application. It’s been a year and four months of insanity.

    Question: If the lender doesn’t have the original note, how do you find this out? Does one have to be in foreclosure in order to get this information? Does this break any legal contract between the borrower and the lender if said lender does not hold the original note?

  7. the Note will be stamped paid in full because when you signed for your mortgage what your lender did not disclose to you is that you were in fact the creditor not the debtor your signature, your social and your credit creates money in the federal reserve. If you review your deed you will see you gave trust to your bank. You are the owner of your deed/trust. NOT the bank. After closing when you signed the bank either had already a buyer lined up or would within a short period of time ( this happens through wall street plenty of info to support this is posted all over the internet) when they sold the note (which its usually sold about 3 times sometimes more) the back of the note is stamped PAID IN FULL if the lender produces this note in court they will have committed fraud in filing a foreclosure on your home. Due to our movement and teaching people these methods.. and many of our successes this is why now the Many of the large banks have stopped all foreclosures nationwide. They are hiding behind the comment of paperwork errors but it goes much deeper than this. Read on in my Next article titled
    “Foreclosure Expert Confirms Mortgages Pledged Multiple Times, Not Actually Securitized, Document Problem Is Really a System of “Push-Button Fraud” here you will learn more in depth of how and what is going on. From this next article you can click to our website to for more detailed free information on the truth of banking and foreclosures.

  8. Foreclosure expert Neil Garfield confirms Mortgages pledged mulitple times, not actually securitized.

    Bank claims of document problems is really a system of “Push button Data Entry Fraud” Banks create money out of thin air via data entry. Banks are not allowed to lend their own money or the money of their depositors. In order to foreclose or file suit against someone you MUST be able to prove loss which also means you must risk something of value.. . read on for further info and then click the link at the bottom for more detailed information at our website.

    Neil Garfield explains that the loans were not actually securitized,
    and the whole “sloppy paperwork” excuse is really an attempt to
    explain away a system of push-button fraud: Money created with the stroke of key.

    The game was to move money under a scheme of deceit and fraud.

    1st: Sell the bonds and collect the money into a pool which is sold on the open market on Wall Street.

    2nd: Take your fees. (they charge plenty of those)

    3rd: Take what’s left and get it committed into “loans” (which
    were in actuality securities) sold to homeowners under the same false
    pretenses as the bonds were sold to investors.

    Creating and Controlling the flow of funds and documentation, the middlemen were able to sell, pledge
    and otherwise trade off the flow of receivables several times over a
    necessary complexity not only for the profit it generated, but to make
    it extremely difficult for anyone to track.

    Think about this they were selling worthless paper its like they printed their own money and got away with it. If you or I did this we would be in prison for life!

    If the loans had actually been securitized, the issue would not arise.
    They were not securitized!

    This was a mass illusion or hallucination induced by Wall Street spiking the punch bowl.

    The gap (second tier YSP) created between the amount of money funded by
    investors and the amount of money actually deployed into “loans” was
    so large that it could not be justified as fees.

    It was profit on sale.. from the aggregator to the “trust” (special purpose vehicle). It was
    undisclosed, deceitful and fraudulent. (You are the trust your signature creates the paper they sold without your consent and or knowledge)

    Thus the “credit enhancement” scenario with tranches, credit default
    swaps and insurance had to be created so that it appeared that the gap
    was covered. But that could only work if the parties to those
    contracts claimed to have the loans. And …since multiple parties were
    making the same claim in these side contracts and guarantees, counter-
    party agreements among other issues. the actual documents could not be allowed to
    appear nor even be created unless and until it was the end of the road
    in an evidential hearing in court.

    They used when necessary “copies”
    that were in fact fabricated (counterfeited) as needed to suit the
    occasion. (this is the same as copying a $20 bill and trying to purchase something with it!)

    You end up with lawyers arriving in court with the
    “original” note signed in blue (for the desired effect on the Judge)
    when it was signed in black — but the lawyer didn’t know that.

    (Make sure you closely check your signature against the copies your received at closing many were signed in black ink until 2006 keep in mind our signature can change over time so look closely)

    When a loan is sold too many times and for more than it is worth someone is not going to collect on their investment. This is the biggest Coo in the history of finance and banking. Learn and educate yourself to the truth.

    The actual original is either destroyed (Read Katherine Porter’s 2007

    study) or “lost.” In this case “lost” doesn’t mean really lost. It
    means that if they really must come up with something they will call
    an original they will do so.

    Paperwork is out of order because the paperwork never truly existed .There only entries on databases and spread sheets.and is now currently being fabricated.

    The loans were not in actuality assigned to any one particular trust or
    any one particular bond or any one particular individual or group of
    investors. They were “allocated” as receivables multiple times to
    multiple parties usually to an extent in excess of the nominal
    receivable, thus making it worthless to many unsuspecting investors.

    You want to know why servicers keep paying on the loans declared in default?

    The essential component of every loan that was never revealed to either the lenders (investors) nor the
    borrowers (homeowner/investors) was the addition of co-obligors and
    terms that neither the investor nor the borrower knew anything about.

    The “insurance” and other enhancements were actually cover for the
    intermediaries who had no money at risk in the loans, but for the
    potential liability for defrauding the lenders and borrowers.

    The result, as anyone can plainly see, is a typical Ponzi scheme
    outcome — heads I win, tails you lose.

    ***

    In closing: The paperwork was carefully crafted and created to cover the tracks
    of the biggest banking theft.

    Majority securitization paperwork remains buried to such an extent
    that it takes search services to find any of it.

    The documents needed to record title and encumbrances was finessed in such a way that they
    could keep their options open when someone made demand for actual
    proof of claim and documents needed to support the claim.

    The documents were NEVER messed up anymore than the
    processing. Its just a way of keeping their options open, so like the
    oil scandal, they could fill the tank that someone wanted to
    look into.

    For further info on the banking fraud system, saving your home, eliminating your mortgage, foreclosure, foreclosure alternatives please click here: http://tinyurl.com/248n6b3

  9. Curious: Ignorance is bliss.. do the research dig and you shall find the truth. keep believing what your government and news media spoon feed you and you play right into their greedy hands. Life is about choice we each must decide to seek the truth on our own.

    We are winning in court NOT being devoured we have made major head way .. aka foreclosure moratorium currently going on.
    The more someone educates themselves the less ignorant they become and the more successful they will be.

  10. @ tony : your wrote: See my answers below each question:

    trying to answer your question but each time the comment disappears..

  11. @ tony : your wrote: See my answers below each question:

    I am helping my elderly mother dealing with BOA and a Making Home Affordable application. It’s been a year and four months of insanity.
    This is typical and standard in the process of getting a modification. Its rarely done in 90 days or less. Its best to use hope (THEY ARE FREE) When dealing with your bank. In the end its your word against theirs and the banks will usually win , because a homeowner does not know how to property document all contact and correspondence. Having a 3rd party I good because If you have to go to court then they become a good witness for you against the bank if there are discrepancies.

  12. Please send copies of form letters immediately. Foreclosure dale date of Dec 13th. Send to Cretame@aol.com

  13. Is there a standard process in doing this? I live in a judicial state (New York) I have sent two letters out requesting to view the original wet signed note. The first one that I sent was a request and I was given a stack of paper and a copy of the note (that was signed by someone that was not present at the closing) the second letter I received from the bank (IndyMac) was more of the same.

    The letter that I sent to my second mortgage has not been responded to therefore I am sending them a follow up second request.

    My question is what I do next.

    I have some templates for motion-to-compel and a request to the court to demand examination of the note.

    What court do I file this claim in and what is the best document to do this with?

    Have a happy new year,
    Scott

  14. “If your bank/lender does not have the original unaltered wet ink signature NOTE they do not have the authority to foreclose on your property.”

    This is so absolutely not true in Indiana. The rules specifically provide that you can use a copy of a document you’re suing on. I’m sure that’s the case in most states.

    The fact is the original document (you’re referring to as the “wet ink” document is rarely kept. Most documents are kept electronically and originals are destroyed. If the borrower wants to dispute the legitimacy of that document he usually has his own copy of the note from the closing he can produce and contradict what the bank is filing as an exhibit to the foreclosure complaint. You also have the recorded document at the courthouse.

    It is true that lenders got very slopping in assigning notes and MERS as a “private recorder” allowing them to avoid filing assignments should be stopped. But that doesn’t affect the legitimacy of the loan….it only affects who the money gets paid to.

    Paul K. Ogden
    Attorney At Law

  15. I would add that with today’s copiers, i someone signs in black ink you might not be able to tell the copy formt he original. I have been an attorney for 26 years in Indiana. Never has there been a requirement that the original note or mortgage be produced in a foreclosure. In fact, that’s never beena requirement in any suit on a contract.

  16. can you send the letters to cathyf125@comcast.net, foreclosure date soon…

  17. Scott,

    As per my comments above arguing the NOTE is not the KEY the Key is to make the lender prove standing. That is where you can possibly win in court against your lender.

    Requesting the NOTE is just a small portion of what must be done. this alone will not win the case against your lender. In order for the lender to foreclose they must prove they are the damaged party and that in fact they lent you REAL money. They did NOT lend you real money and in fact you are the Creditor NOT the Debtor. We have been winning cases nationwide using our method, this method exposed extensive fraud in mortgage banking as well as proof that many foreclosures filed by banks were done incorrectly and with fraud.

    You in fact created the trust and you can revoke that trust via the proper legal procedures/channels. Google Modern Money Mechanics (published by the FEDERAL RESERVE) this will give a full understanding of the money system. In order to win yo must educate yourself and know the procedure in which to fight in order to win in court. It goes beyond just the note. You have the right to challenge any claims brought forth against you and require that party to clearly prove standing. This is the primary starting point of any case. No Standing = no case, and things should not proceed after that point until standing is established. So dont get tricked into anything else. The only party who can lay claim to the contract of your mortgage, is the true note holder in due course. This is virtually impossible to do, because it exposes the true nature of the original transaction, which they do not want exposed in the public. If they cannot prove they are that \”person\”, the damaged party who actually issued funds, and they are in fact the creditor (which was actually you), they have no claim and thus no case should proceed after that point.

    I have spent the last 3 years helping homeowners and guiding them in the proper approach to saving their homes from foreclosure successfully. Unfortunately not many attorneys know this method but we are quickly teaching them how to help homeowners win against the banks with great success. To learn the full process step by step on what actions you must implement and how to effectively win in court against your lender. This method is NOT for everyone to do on their own but is important to learn even if you hire an attorney to do the process for you as you will need to guide them in the method and process the best client is an educated client. Don\’t assume that if someone is an attorney they have all the answers or all the correct answers, as their answers will only be as good as their full knowledge of all aspects of foreclosure and mortgage banking.

    We have a list of attorneys that do IN fact know and use our process. I am currently teaching two attorneys in Pa in this method and hopefully 2 more soon. Having an attorney knowledgeable in the aspect of making the lender prove standing and understanding the full system of banking and our monetary system is a must. If you have an attorney who is willing to learn the method and listen to you as a client is very important.

    This method does require due diligence on your part in learning and applying the knowledge and preparing your documents and motions properly and knowing how to present your case Pro Se in court if you do this without an attorney. It is important to present your case to the courts and prepare it properly.

    In reference to the COPY of the NOTE this is NOT acceptable and being a MORTGAGE Banker I will tell you that most lenders did not allow signing in black ink it was required that all documents be signed in blue ink.

    I will also tell you that most notes were destroyed and the original can rarely be produced. Even if the note is produced turn it over and you will see its stamped paid in full. This alone will NOT win your case. This along with the administrative process and forcing the lender to prove standing is what will win your case. You must educate yourself in order to protect yourself & your property. Research and learn don\’t take anyones word verbatim. Ignorance in court is not an excuse.

    If you feel confident in proceeding on your own I would recommend http://www.tinyurl.com/prosejuris the program was put together by attorneys and teaches you how to file legal documents etc as well as how to handle yourself in court. Knowledge is power.

    If you are interested in learning the step by step method of eliminating your mortgage and or getting your lender to significantly reduce your principal balance (THIS HAS NOTHING TO DO WITH MODIFICATION OR SHORT SALE THEY DON\’T WORK) this method allows you to stay in your home, and keep ownership.

    If you want to learn the full method and procedures and paperwork to file click this link and watch each video and click every tab.. educate yourself before you make any decisions and confer with a local attorney if you don\’t feel confident. Just remember they are working for you and you can guide them in the procedure you want them to take. You are the client.

  18. @ paul

    “This is so absolutely not true in Indiana. The rules specifically provide that you can use a copy of a document you’re suing on. I’m sure that’s the case in most states.”

    You are wrong about the note a copy is not acceptable if in fact the Homeowner objects to the copy. This is a process that many lenders have used this does NOT mean its legal just its been accepted practice. The homeowner does in FACT have the right to object to the copy of the NOTE.. this is the same as copying a $20 bill and trying to make a purchase. The mortgage contract clearly states that the Pretender “Lender” MUST produce the original wet ink signature note for inspection by the client NOT a copy. If the borrower in facts object to the copy this proves they lender did not in fact respond correctly by presenting a COPY and for your information Many clients did not keep their copy and some never received a copy. The Homeowners are entitled to see the original NOTE.

    In addition the bank NEVER lent any money the “borrower” in fact was the collateral for the note and created the money. You know what you know and what methods have been used to fight foreclosure if you truly want to help homeowners then further educate yourself so that you can truly help homeowners take back what rightfully belongs to them. If you saw the amount of fraud and robo signing we have uncovered among many other frauds in mortgage documents as well as foreclosure proceedings you would have a much different view.

    As a veteran attorney you are in fact aware that in any case the plaintiff MUST prove standing. If the bank cannot prove standing and provide solid proof they lent tangible real money they can show no injury or damage they have NO case.

    I know that Indiana is one of the hard hit areas for foreclosure. As a veteran attorney if you are interested in helping homeowners and not the Pretender “lenders” I would be more than willing to give you the necessary information to assist and help people in your state. We get requests from clients who are looking for knowledgeable attorneys in their area. We are interested in teaching Attorneys who are interested in learning another way to defend foreclosures.

    I know the procedure that attorneys have been taught and learned and used for many centuries. We have another way that could possibly yield your client triple damages. If you are interested please let me know if you are an attorney willing to learn another method of stopping foreclosure and helping the people. If you would like to know more about our company and what we do click on this link http://www.tinyurl.com/mtgtriad
    We have many knowledgeable attorneys in our group that helped to develop the administrative process that we use. Their knowledge is invaluable not only to homeowners but attorneys as well. ; 0)

  19. Hi

    Please can you let me know if you can send me templates of motion-to-compel as this is what I wish to do ?

    As I just discovered this method to expose the fraud

    Best Regards

    Jas

  20. Hi

    Please can you give me your email as I need templates to carry this process out.

    Thankyou for your co-operation in the matter.

    Best Regards

    Jas

  21. Jas

    click here to learn more http://bizcovering.com/real-estate/keep-your-house-fight-foreclosure-fraud/

  22. How do you file the letter you send to the bank requesting the “wet signature” with the court. Is ther specific verbage that you need to use in the letter? We went to the county recorders office and found that we are not paying who they have listed as the mortage lender.

  23. Our home is in foreclosure with a Trustee Sale scheduled for April 30, 2012. Do you have a standard letter you’ve designed to lenders to produce the wet ink signature?

    We’d appreciate your help. Your comments posted here have been excellent.

  24. I was denied bankruptcy in jan 26,2012 at the same time the judge had also ok’d a affidavit which then lender and trustee auctioned my place feb 10,2012 I have been served with unlawful detainer,i also filed against third party UD 4/182012 is date for court if I file a unlawful foreclouser will that superceed ud? FYI THE INDIVIDULE ON AFIDAVIT I HAVE NOT BEEN ABLE TO CONFIRM ROGER GEORGE V.P. OF LOAN DOCUMENTATION

  25. This lady is an idiot. I’m an attorney and I help people fight these; I also contract out with one of the big 4 firms to audit the large banks to make sure their mortgages are valid. I know the details to a fine science here, in the eyes of the court and within the banks. I’ve seen mistakes by the banks, and they’re allowed to fix them. The info on this page and this blond lady here in the comments is just bologna. You’re not going to get out of a mortgage based on some teeny technicality. She’s wrong about deeds of trust, the selling of the investor lots is absolutely irrelevant, and basically this crap will just get a judge pissed off at you. Also, there have been a handful of laws passed in the past decade or so that have superseded the wet ink signatures in many states, so electronics have been allowed (check your state), with some additional disclosures required.

    Yes, the banks/lenders do get injured. What is she talking about? They lend you money, they’re injured by the amount of money they have lent you that you used to purchase the home and have not repaid. They’re injured by the time value of money, too. That is, the money the lent you so far that you haven’t repaid, they could have invested somewhere else and earned interest on it, or given to someone else who would have been repaying it. They’re injured by the costs of having to do the extra work dealing with the foreclosure. Many people are pissed at the bank for doing this, but if you imagine yourself in the bank’s position and someone doing this to you, what would you do about it? If you lend someone $150,000 and the use it to buy a house and then don’t pay you back, you want your money back. We have to help people with their foreclosures, but we also have to do the right thing. Don’t listen to these quacks. The amount of money you rack up in extraneous court costs is also something that gets attributed to your bill if you’re doing something frivolous and don’t really have a valid claim. A mere miniscule technicality will not be a valid claim. There are legal aid societies that will help for little or no cost if you can’t do it without an attorney.

  26. This lady is an idiot. I\’m an attorney and I help people fight these; I also contract out with one of the big 4 firms to audit the large banks to make sure their mortgages are valid. I know the details to a fine science here, in the eyes of the court and within the banks. I\’ve seen mistakes by the banks, and they\’re allowed to fix them. The info on this page and this blond lady here in the comments is just bologna. You\’re not going to get out of a mortgage based on some teeny technicality. She\’s wrong about deeds of trust, the selling of the investor lots is absolutely irrelevant, and basically this crap will just get a judge pissed off at you. Also, there have been a handful of laws passed in the past decade or so that have superseded the wet ink signatures in many states, so electronics have been allowed (check your state), with some additional disclosures required.

    Yes, the banks/lenders do get injured. What is she talking about? They lend you money, they\’re injured by the amount of money they have lent you that you used to purchase the home and have not repaid. They\’re injured by the time value of money, too. That is, the money the lent you so far that you haven\’t repaid, they could have invested somewhere else and earned interest on it, or given to someone else who would have been repaying it. They\’re injured by the costs of having to do the extra work dealing with the foreclosure. Many people are pissed at the bank for doing this, but if you imagine yourself in the bank\’s position and someone doing this to you, what would you do about it? If you lend someone $150,000 and the use it to buy a house and then don\’t pay you back, you want your money back. We have to help people with their foreclosures, but we also have to do the right thing. Don\’t listen to these quacks. The amount of money you rack up in extraneous court costs is also something that gets attributed to your bill if you\’re doing something frivolous and don\’t really have a valid claim. A mere miniscule technicality will not be a valid claim. There are legal aid societies that will help for little or no cost if you can\’t do it without an attorney.

  27. This lady is nutso. I’m an attorney and I help people fight these; I also contract out with one of the big 4 firms to audit the large banks to make sure their mortgages are valid. I know the details to a fine science here, in the eyes of the court and within the banks. I\’ve seen mistakes by the banks, and they\’re allowed to fix them. The info on this page and this blond lady here in the comments is just bologna. You\’re not going to get out of a mortgage based on some teeny technicality. She\’s wrong about deeds of trust, the selling of the investor lots is absolutely irrelevant, and basically this crap will just get a judge pissed off at you. Also, there have been a handful of laws passed in the past decade or so that have superseded the wet ink signatures in many states, so electronics have been allowed (check your state), with some additional disclosures required.

    Yes, the banks/lenders do get injured. What is she talking about? They lend you money, they\’re injured by the amount of money they have lent you that you used to purchase the home and have not repaid. They\’re injured by the time value of money, too. That is, the money the lent you so far that you haven\’t repaid, they could have invested somewhere else and earned interest on it, or given to someone else who would have been repaying it. They\’re injured by the costs of having to do the extra work dealing with the foreclosure. Many people are pissed at the bank for doing this, but if you imagine yourself in the bank\’s position and someone doing this to you, what would you do about it? If you lend someone $150,000 and the use it to buy a house and then don\’t pay you back, you want your money back. We have to help people with their foreclosures, but we also have to do the right thing. Don\’t listen to these quacks. The amount of money you rack up in extraneous court costs is also something that gets attributed to your bill if you\’re doing something frivolous and don\’t really have a valid claim. A mere miniscule technicality will not be a valid claim. There are legal aid societies that will help for little or no cost if you can\’t do it without an attorney.

  28. This lady is nutso. I’m an attorney and I help people fight these; I also contract out with one of the big 4 firms to audit the large banks to make sure their mortgages are valid. I know the details to a fine science here, in the eyes of the court and within the banks. I\’ve seen mistakes by the banks, and they\’re allowed to fix them. The info on this page and this blond lady here in the comments is just bologna. You’re not going to get out of a mortgage based on some teeny technicality. She\’s wrong about deeds of trust, the selling of the investor lots is absolutely irrelevant, and basically this crap will just get a judge pissed off at you. Also, there have been a handful of laws passed in the past decade or so that have superseded the wet ink signatures in many states, so electronics have been allowed (check your state), with some additional disclosures required.

    Yes, the banks/lenders do get injured. What is she talking about? They lend you money, they\’re injured by the amount of money they have lent you that you used to purchase the home and have not repaid. They\’re injured by the time value of money, too. That is, the money the lent you so far that you haven\’t repaid, they could have invested somewhere else and earned interest on it, or given to someone else who would have been repaying it. They\’re injured by the costs of having to do the extra work dealing with the foreclosure. Many people are pissed at the bank for doing this, but if you imagine yourself in the bank\’s position and someone doing this to you, what would you do about it? If you lend someone $150,000 and the use it to buy a house and then don\’t pay you back, you want your money back. We have to help people with their foreclosures, but we also have to do the right thing. Don\’t listen to these quacks. The amount of money you rack up in extraneous court costs is also something that gets attributed to your bill if you\’re doing something frivolous and don\’t really have a valid claim. A mere miniscule technicality will not be a valid claim. There are legal aid societies that will help for little or no cost if you can\’t do it without an attorney.

  29. This lady is nutso. I am an attorney and I help people fight these; I also contract out with one of the big 4 firms to audit the large banks to make sure their mortgages are valid. I know the details to a fine science here, in the eyes of the court and within the banks. I have seen mistakes by the banks, and they are allowed to fix them. The info on this page and this blond lady here in the comments is just bologna. You are not going to get out of a mortgage based on some teeny technicality. She is wrong about deeds of trust, the selling of the investor lots is absolutely irrelevant, and basically this crap will just get a judge pissed off at you. Also, there have been a handful of laws passed in the past decade or so that have superseded the wet ink signatures in many states, so electronics have been allowed (check your state), with some additional disclosures required.

    Yes, the banks/lenders do get injured. What is she talking about? They lend you money, they are injured by the amount of money they have lent you that you used to purchase the home and have not repaid. They are injured by the time value of money, too. That is, the money the lent you so far that you have not repaid, they could have invested somewhere else and earned interest on it, or given to someone else who would have been repaying it. They are injured by the costs of having to do the extra work dealing with the foreclosure. Many people are pissed at the bank for doing this, but if you imagine yourself in the banks position and someone doing this to you, what would you do about it? If you lend someone $150,000 and the use it to buy a house and then do not pay you back, you want your money back. We have to help people with their foreclosures, but we also have to do the right thing. Do not listen to these quacks. The amount of money you rack up in extraneous court costs is also something that gets attributed to your bill if you are doing something frivolous and do not really have a valid claim. A mere miniscule technicality will not be a valid claim. There are legal aid societies that will help for little or no cost if you ca not do it without an attorney.

  30. I’ve done evrything you suggest, i’ve filed at least 20 documents with my counties clerk of court “on th record” however, i have a court date Mon. in magistrate court for eviction! Before this happened i filed a case in federal court this case is still pending do you have any suggestions for me?

  31. Here’s another way to look at this:
    There is NO WAY to get a ‘mortgage’ in the first place unless YOU already own the property free & clear. So, for the briefest moment the property was owned by the issuer of the ‘Note’.
    A mortgage is a pledge where the title is dead. Mortuary, mortician, mortgage…Mort = dead. The title is what died, but it died after the owner put it into pledge.
    Here’s a second problem: The word “address” means to consign to another (Webster’s 1828). “Consign” means to “give” transfer property. So, everyone with an address is also up against the State too- They are a co-owner with an address.

  32. Melissa is a shill or profoundly brain washed. Her comments are almost entirely disinformation.
    YouTube “The Nature & Character of Money”

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