www.borrowerhotline.com

Consumer 2923.5 Foreclosure Defenses Toll Free (877) 732-7653 Lawyers Expert Witness Service

About Us     General     ConsumerInfo     Submission     Contact NLS     NLS Blog     Hotline      

 

April 01, 2009

UPDATE

JURIS PRO EXPERT

WITNESS TESTIMONY

 

 Please be aware of the benefits, issues and concerns for soliciting any assistance offered by persons or businesses other than a licensed legal practioner. A consultant operating without the benfit of your counsel may guide you but cannot likley negotiate a complicated and sophisticated foreclosure in a difficult economic climate. You should also make certain you solicit, interview and get a second opinion for any attorney offering a simple "Loan Modification" solution.

---------------------------------------------------------------------------------

 

Attorneys seeking guidence as to advisory opinions regarding the ethical propriety of hypothetical attorney conduct, although not binding, are found in the decisions of the Supreme Court, the State Bar Court Review Department and the Court of Appeal.

 

The Ethics Hotline, a telephone research service to assist attorneys with questions relating to their ethical responsibilities, is also available to attorneys from 9 a.m. to 5 p.m. on weekdays. The Ethics Hotline can be reached by calling 1-800-238-4427 (800-2-ETHICS) within California or 415-538-2150 from outside of California.

 

Nationwide Loan Services is a frequent referral

for sourcing information and suggestions for improving communication with lenders and lawyers.

 

When called on to do so, we will assit and seek to find any hidden or deceptive business dealings that may provide argumentsright for supporting your claims and cause for financial problems. 

 

Our promise is this:

 

Only a lawyer can practice law in a legal matter

We will call your lender and speak to their counsel to help you avoid litigation. We cannot interfere in a modifcation  where a modification is not allowed under the Trust indenture. Competent Attorneys are available who we will assit in representing  you in court if the matter requires filing an action.

 

 

 

Homeowners use 2923.5 of the CA

civilcode to negotiate settlements 

 

only an attorney can provide legal guidance

 

2923.5 Borrower Audits

It can successfully force lenders

to remain compliant or lose in foreclosure !

 

Lenders mistakes can provide a remedy to foreclosure for underestimating the California amended civil code 2923.5 .

 

MORTGAGE INSURANCE: For loans originated after 1999, federal law requires the lender to provide information about PMI. Consumers can petition the lender at any time to request that insurance be removed or for other information regarding its applicability.

substitution of trustee

The substitution of trustee is shown almost always as a trailing document to the NOD and its filing date. The Sub of Trust is often executed and recorded just prior to the filing of a Notice of Sale. Is this lawful? Why not, if it is for purposes of notice. Is it procedurally correct? Absolutely no, although FNMA and FHLMC would argue otherwise as they subscribe to MERS and the efficiency it provides. At the center of this debate is something obvious yet often overlooked to the benefit of the attorneys in court.

 

 

Consumer 2923.5 Foreclosure Defenses Toll Free (877) 732-7653 Lawyers Expert Witness Service

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

SEC MANDATORY COMPLIANCE  AUDIT

The Companyhas not instituted policies and procedures to monitor delinquent performance - The mandate is no difference than the other triggers in accordance with the transaction agreements.The 1122 statements for Wells Fargo Bank, National Association (Corporate Trust Services) has disclosed material noncompliance with criterion 1122(d)(3)(i), as applicable to the Company during the twelve months ended December 31. 2006.  Certain monthly investor or remittance reports included errors in the calculation and/or the reporting of delinquencies for the pool assets.

 

 

 

NOTHING PUBLISHED ON THIS SITE IS INTENDED AS LEGAL ADVICE AS ONLY AN ATTORNEY CAN PRACTICE THE LAW AND ADIVISE YOU AS TO ENFORCING YOUR RIGHTS.

 

Filed under: CDO, CORRUPTION, Eviction, Investor, MODIFICATION, Mortgage, foreclosure, securities fraud Tagged: fraud, foreclosure defense, Lender Liability, borrower, disclosure, securitization, predatory lending, rescission, foreclosure offense

 

 

 

 

Lawyers & Pro Se* Case Development

with violations under CC 2923.5 The "Mandatory Loan Modification" effort  under state of California mandate and as published in guidelines for the governments

 

 

Consumer Assistance

"Troubled Assets Relief Program"

T.A.R.P. (not affiliated with any federal or state agenecies)

 

Submit a Question of Request

for more information

 

* First name (required):

* Last name (required):
* E-mail address (required):

Phone number:
* Message (required):

 

 

ATTORENY'S

Please note the following:

Notice Must be Filed

with the County Recorder

 

The substitution or successor is a person or entity who continues the role and duties subsequent to and who will remain in control until the foreclosure sale and conveyance is recorded. 

 

It is filed in the country recorders office where the subject property is domicile. A filing is required when a successor trustee takes the place of a previous trustee if the matter of a pending foreclosure and notice of default. Then a pre-selected successor as trustee is appointed under the terms of the declaration of trust on behalf of the investors. It does not necessarily reflect the name of the current beneficiary. 

 

For example: If a lender has cause to file for recovery of the security, the Substitution of Trustee/Deed of Reconveyance is recorded in the name of the original beneficiary and not the current.

 

 Call us for details: Attorneys can call  310-765-7388 Borrower Inquiries   877-732-7754