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Monday, November 5, 2012

FORECLOSURE --- HOME FORECLOSURE REMEDIES - WHY AND HOW WE ARE WINNING!


Please read and pass this information along as it explains the FRAUD banks use to STEAL your Property.
----- Original Message -----

Sent: Monday, November 05, 2012 3:11 AM
Subject: Monday: HOME FORECLOSURE REMEDIES - WHY AND HOW WE ARE WINNING!

REMEMBER: CHECK FOR THE NEW PHONE AND PIN NUMBER FOR THESE CALLS BY LOGGING INTO YRIITL AND CLICKING ON THE FREE TELE-CONFERENCES TAB

Public Service Announcement:
THIS Monday CALL


CONFERENCE CALL

S P E C I A L
A N N O U N C E M E N T
~*~
Michael Lawrence
Speaks This Evening!
~*~
Bay County Florida Resident
Uses Securitization Audit
to Get Foreclosure Case Dismissed
just like with the Vested Manna Process and the Michael Lawrence Process
Panama Beach, FL — (SBWIRE) — 10/02/2012 – Most homeowners entering foreclosure are packing up their belongings and calling the movers. This was not the case for Phillip Adamczyk of Panama Beach, FL. Adamczyk did something most Americans would never dream of doing. He went to court to fight his foreclosure case against the bank without a lawyer, and won.
The Florida homeowner recently appeared in court against Thrivent Financial Bank’s legal representation and asked them to produce the note to his mortgage. When they produced a copy of the note, Adamcyzk wisely asked that they produce the original mortgage note. Thrivent Financial’s legal team left the courtroom that day, confident they could produce the requested evidence, and they did. However, Adamczyk had an ace up his sleeve. It’s a little thing called a Securitization Report.
Between his first trial appearance and the time it took to reconvene, Adamczyk hired Securitization Auditors to provide him with a securitization audit of his mortgage process. A securitization audit is a legal document that looks for and identifies violations in the securitization and foreclosure process. The auditors, after requesting specific documentation from the lender, found the following:
“It should be noted that the primary document for review in an audit is the Promissory Note. We have examined a signed copy of a Note for this transaction; it did contain a Sale/Assignment Endorsement: ‘Pay To The Order of *** Blank *** Without Recourse by: (sig) Dale O’Keefe, AVP Thrivent Financial Bank’, the endorsement indicates that the lender has been paid and or has released all interest in the Note.”
So the Assistant Vice President of Thrivent Financial signed the note indicating the mortgage had been sold, but endorsed it to “Blank”. Simply put, this means that Thrivent Financial sold the note and cannot identify or does not know who they sold it to. This in turn means they have no standing in court to foreclose on Adamczyk’s property.
Prior to reconvening at the trial, Adamczyk presented the securitization audit to Thrivent Financial’s legal team, which apparently swept the rug out from underneath their feet, as they did not even appear in court to pursue the foreclosure.
On September 18, 2012 the judge denied the Plaintiff’s Motion for an Order of Summary Judgment, thus allowing Adamczykk to remain in his home without the impending cloud of foreclosure looming over his head. He has himself to thank for being so bold as to appear in court without an attorney, as well as The Securitization Auditors for supplying him with the evidence needed to keep his bank’s legal team from appearing in court.
~*~
Officials Press More Banks
To Reach 'Robo-Signing' Settlement
September 27, 2012 U.S state attorneys general are negotiating a legal settlement with four regional banks for their involvement in the "robo-signing" crisis. The agreement would be similar to the $25 billion National Mortgage Settlement brokered with five national lenders in February. That agreement included sweeping compliance mandates to prevent the widespread improper notarization and document signing practices at the heart of the foreclosure crisis.

The banks have had preliminary talks with state and federal officials, who are investigating claims that loan servicers mishandled foreclosure documents. However, the timing of a
settlement is not yet known.

If a settlement is reached, the banks will face a financial obligation and likely will have to comply with the servicing standards. The NNA has established a Trusted Notary program to help lending institutions reach compliance with the new mortgage industry regulations.
 

~*~
Thousands Of Mortgage Fraud Complaints
Filed Against Attorneys
A “huge” number of mortgage fraud-related complaints are being filed against attorneys and law firms, according to the American Bar Association. And some of these questionable attorneys have tried to enlist unsuspecting Notaries into helping defraud victims.
Approximately 24 percent of the mortgage fraud-related complaints received by the Washington, DC-based Lawyers’ Committee for Civil Rights Under the Law involved attorneys or law firms.
Laura Ernde, Acting Communications Director for the California State Bar, said her organization has received more than 11,000 mortgage-related complaints against attorneys in the past three years, with the most common complaints being loan modification scams. In loan modification scams, typically the attorney or a representative offers distressed homeowners help in modifying the terms of a mortgage, but takes money from the victims without delivering real help. “The clients pay fees but don’t get any services and often end up losing their homes,” Ernde said.
The ABA described the proliferation of complaints as a “disturbing trend” because lawyers are sworn to uphold the law and add legitimacy to transactions. A number of states — including Georgia, South Carolina and Massachusetts — require the presence of attorneys instead of Notary Signing Agents at home loan signings.
Notaries have contacted the NNA about attempts by dishonest loan modification companies to hire them under false pretenses in order to make mortgage scams look legitimate. The scammers typically hire Signing Agents to collect advanced fees from customers for loan modifications or to notarize “loan assistance documents” and then take the documents away from a signer without leaving any copies.
Ernde warned all Notaries to avoid any job offers that require collecting an advance fee for loan modification services from a customer — this practice is banned in several states including California.
If you are contacted by an attorney, law firm or other business that offers “loan modification” assignments involving advanced fee collection or any other suspicious or unusual requests, refuse any such offers and contact local law enforcement or your state Attorney General’s office to report it.
~*~
JPMorgan Chase Bank Dick Jamie Dimon
Indicted - Arrest Warrant Issued!
       • Posted by Glenn Canady on October 3, 2012 at 11:00pm
This story is moving fast!  We are going to be DAYS ahead of the mainstream media in reporting that JPMorgan Chase CEO - Jamie Dimon has had an arrest warrant issued by the FBI!  This story which was broken by Tom Heneghan is EXPLOSIVE!  The banksters have robbed America since the creation of the Federal Reserve in 1913 and the Fake CIA News and political puppets will not discuss this fraud!
~*~
~ HOME FORECLOSURE REMEDIES ~
~ WHY WE ARE WINNING ~
~ HOW WE ARE WINNING ~

BE ON THE CALL TONIGHT - 9PM EST / 6PM PACIFIC

www.FreedomsRadio.com

YOU DON'T HAVE TO LOSE YOUR HOME

THERE IS HELP AND THERE IS HOPE
~*~
Spread  Far  And  Wide
BE ON THE CALL TONIGHT - 9PM EST / 6PM PACIFIC 
www.FreedomsRadio.com

~*~
How the Michael Lawrence Program Works:
~*~ 
The OMNI Process
 There are basically three parts to this process developed by Michael Lawrence;
The Administrative Process:
$3,500.00
About 4 years ago Michael Lawrence developed an administrative remedy that was highly successful, then and unto itself, in stopping the foreclosure and allowing for the reconveyance of the title back to the homeowner.   The homeowner was then free to sell their property or place the property into the safety of a trust which many did.  It also was designed to dovetail with future planned federal lawsuits; one dealing with RESPA, TILA, and HOEPA violations; the other dealing with FDCPA, FCRA, and TPA violations.  Although the Admin Process no longer affects the foreclosure moving forward against the homeowner; it does still establish the proper, and I emphasize ‘proper’, Qualified Written Request and exhaust your Administrative Remedies.  It furthermore established that line drawn in the sand to the exact point in time a proper Dispute began.
The Evidence Package:
$800.00 inclusive or ala cart; $1,800.00
This Admin Process is joined with an Evidence Package that clearly establishes just who the true owner and holder of the note really is.  In over 500 observations not once has the true owner and holder of the note been the party who is servicing the note.  Imagine that…..  A Forensic Loan Analysis and a Securitization Analysis of the Loan is processed identifying the CUSIP and the REMIC numbers associated with your ‘loan’ and further identifies each and every trade associated with these numbers.  Using your favorite Search Engine look up “CUSIP and the REMEC” and the word “fraud” and see what you get.
This is one portion of the process.
OMNI Trust:
$3,750 
Another portion of the process is to create the OMNI Trust.  This trust is the lawful vehicle that enables Mr. Lawrence and his lawyers to litigate the issues they wish to assert and challenge.
OMNI Gold:
$2,500
The final portion of this process is for you to purchase the OMNI Gold product.  This is where your property, via the OMNI Trust, drags your property, not you, into court where a proper adversarial complaint is lodged.
Ultimately, the attorney for the trust, joined with financial backers who provide the cash settlement amount to pay off your mortgage, offers The Claimant, your Servicer, to ascertain beyond a shadow of a doubt with the appropriate evidence, their standing - in other words - to make absolutely sure they are the True Party in Interest The True Owner and Holder of The Note - a potential injured party were they not paid.

Once the Claimant established this fact, the investors will simply pay off the debt in exchange for the Original Promissory Note, a Certified Copy of the Chain of Custody of the Note showing that The Claimant honestly acquired The Note and lastly, a Certified Copy of the days Call Report from the Original Lender establishing that The Original Lender truly lent you their assets and not their Credit, a thing illegal under Title 12 of the United States Code.
This is not Rocket Science, Folks, nor is it Hollywood theater.  
It is simply the law as I understand it.
I need you to understand something very important:  This process portion – where your property is taken into court via the trust – is priced at $2,500.00, separately.  HOWEVER, I will not allow our membership to go forward into this part of the process without having completed the other portions as outlined above.  Why? It is my observation that all that is mentioned above is required to completely avail the fullness of the desired end result.  This is my opinion.  I’ve observed this for over fifteen years.  This is what is required of the YRIITL Membership and nothing short of this.
WAR  CHEST
$1,250
This is just what it is; the accumulation of funds for whatever necessary purposes arise to operate with throughout this effort.  It is the same uniform amount for every one involved.
Below I have copied from last weeks email to you a thorough explanation of the Evidence Package as it is one of the two keys that unlocks the door that the banks have kept away from the homeowners for you better understanding.
Also, I want to add that other Information Providers offer other avenues to fight the foreclosure process that focus on the Break in the Chain of Title, which you hear about each Thursday evening.
~*~ 
Forensic Loan Analysis
YRIITL introduces you to a team of dedicated audit professionals that provide qualified reporting. The Information Provider leading this team is Shannon.
A Forensic Loan Analysis is the process of investigating and scrutinizing all documentation pertaining to your loan at the time of origination. The Information Provider, Shannon, and her team analyze all the information and cogently put that information into a report that can be used as supporting evidence by your legal counsel in an action against your lender.  During the height of the real estate market (1999 through 2008) some mortgage lenders - most, by example of the history of reports already generated by Shannon's team - did not follow underwriting standards that are required by the Federal government and State regulatory bodies. These guidelines must be followed by originators of home loans. The loan origination process, by not complying with the state and federal rules and regulations, became a morass of side-stepped rules and concealed the true damage done to homeowners.
When Shannon and her team of loan auditors dissect originating documents they look first to the state and federal laws protecting homeowners. Your current loan can reveal TILA, RESPA, HOEPA, and FDCP violations, and other applicable underwriting standards. The law pertaining to mortgage lending is very comprehensive and there are laws to protect homeowners from becoming victims of predatory lending.  Reviewing every document that was presented to you at the closing of your home loan has the potential to reveal multiple violations such as: Truth in Lending Act, Real Estate Settlement Procedures Act, Home Ownership Equity Protection Act, Fair Debt Collection Practices Act, Broker Licensing, Loan Transaction Documentation, Proper Calculation of APR and Finance Charges, Underwriting Standards, Predatory Loan Indicators, Your Home Purchase Process.  Did you receive a legitimate (good faith) appraisal by a qualified and licensed appraiser, OR did your lender inflate the home value for their benefit? Was there Due Diligence on the part of your lender to verify your ability to repay the loan by having you submit the required financial information, OR did they just use your credit score and paystubs? Right of Rescission – were you notified that you had the right to cancel the loan within a specified amount of time as required by law?
Prior to getting the loan did you have to sign separate agreements with your broker that were not part of the original agreement? Were all the terms of the loan properly disclosed to you by the loan officer and all questions answered prior to signing the loan? Did the lender provide you with all the State and Federal Disclosures (TILA, RESPA, HUD etc.) as required by law? Did you pay down extra points when originating your home loan? Has your mortgage broker received extra fees and commissions that you were unaware of when you originated your loan? Do you know how much you will have paid for your home by the end of your loan? Since you were giving them a cash item with value (Promissory Note), shouldn’t you have received a receipt for their intake of this asset? For example, when you leave your car to be serviced, or sell it, or lend something to someone, don’t you get a contract with a receipt? Is your Promissory Note and Deed of Trust together or are they separated? The Deed of Trust contract is NOT the receipt in the cash (Promissory Note) transaction.  (The Promissory Note is considered cash as that is how the bank’s ledger shows it on their books.)
Did you know The Promissory Note is a different item altogether from the Deed of Trust contract? Yes, two completely separate transactions are taking place.  This is why it is so imperative for the Banks to keep the two transactions together at all times. Separated, they are impotent. Did the mortgage broker/closing agent provide full disclosure that your Promissory Note was to be sold? Did the Bank make an actual loan to you using the bank’s own money, or did they act as a middle-man and use investors’ money? How was your mortgage interest rate determined by the bank / mortgage lenders? Did they put you on a sliding scale depending upon your internal “ability to pay” as predicated by your credit scores? If so, the fact that you gave them FULL CONSIDERATION in the form of a Promissory Note UPFRONT and they still put you into a sliding scale for interest is discriminatory, predatory and immoral.
Securitization Analysis
Due to the complexity of auditing loan documents this report includes the specialized reports to meet the growing needs for both the public and private sectors. Your Information Provider, Shannon and her team, is directly involved at all points of the audit service, from audit testing, analysis, and data analytics that are transparent, regulatory and reporting compliant....  
These specialized reports, among other things, include locating your loan in a particular trust with up-to-date information with respect to whether or not your loan is performing or non-performing in the securitized trust. This information is important because all securitized trusts need to comply with the PSA (Pooling and Servicing Agreement) as dictated by the rules of the SEC (Securities and Exchange Commission), FTC (Federal Trade Commission) and other federal and state regulatory agencies.
Her team’s extensive research capabilities and technological expertise allow the investigators the ability to locate, track and verify transactional information on home loans. Using proprietary data from various financial networks such as federal regulatory agencies, state regulatory agencies, financial reporting associations and county records, this team provides analytics on financial transactions pertaining to mortgages and securitized trusts. This team will provide you with a layered transactional synthesis of your home mortgage.
This report provides pertinent data to the homeowner and their legal counsel that helps formulate a plan of action – whether offensively or defensively, and always for home ownership rights. The team we break down these complex financial transactions into a cogent and transparent report. This type of solution based report is specifically tailored to the Homeowners needs.
The report will include the following:
  • Loan Recording at county, governmental housing reporting agencies and financial reporting services
  • Deed Recording and Transfers
  • Verification that Assignees on Promissory Note is True and Correct
  • Information Identifying “True” beneficial Interest as per Promissory Note
  • Disclosures and Sufficiency of Information as per UCC
  • Securitized Trust Verification
  • Pooling and Servicing Agreement governing the Trust that holds your Note
  • CUSIP – Identifying the Trust Account
  • Trust Prospectus filed with the Securities and Exchange Commission
  • Identification of the Servicers; Originators; Trustees and Underwriters
  • Details of Bond Performance – Transactional up-to-date information
  • Periodic Reporting of Loan Performance in Securitized Trust
  • Client Specific Information – (special requests)
Shannon is a subscriber of proprietary software and uses the latest search tools for Non-Agency residential loans by characteristic; either Loan Number or Original Amount that are provided to perform a search to verify that the loan is inside the Securitized Trust.

These reports are available Ala Cart as well as inclusive to The Remedy Michael Lawrence offers.
~*~ 
I hope you attend this evening’s call either by phone or the web.
~*~ 
A L S O
A Vested Manna Process WIN!
On November 21, 2011, a Northern Virginia Circuit Court entered an order granting plaintiff homeowner a default judgment in a quiet title action, voiding the deed of trust.
Earlier this year, frustrated by the fact that she could not get to the real party in interest to modify a loan, the homeowner went on the offensive and filed a court action to quiet title to her property and seeking nullification of the deed of trust supposedly encumbering the property with a first mortgage. Subsequently, a bank servicer (posing as an owner) moved to intervene into the case on the grounds that its’ ownership rights in the debt and the property would supposedly be at stake. Any homeowner may successfully oppose this type of motion with the Direction, Support and Product of Vested Manna. In this case, the motion was withdrawn.  Because none of the remaining defendants responded, the homeowner moved for judgment by default, seeking nullification of the deed of trust. The judgment was granted and the court entered an order voiding the deed of trust. This appears to be the first ruling of this kind in Virginia.   Similar rulings have been obtained in Missouri, Arkansas, Utah, Texas, and Florida.  See the Thursday night free tele-conference calls at www.FreedomsRadio.com for more information. 
~*~
Spread  Far  And  Wide
BE ON THE CALL TONIGHT - 9PM EST / 6PM PACIFIC 
www.FreedomsRadio.com
~*~
For more information ....... 

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ME

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2 comments:

  1. Why is it that everybody wants $$$ to help people when the people dont have(enough)money to make ends meet. If this process is to help people then why not do it for the sake of helping and not squeezing every last cent they have. Every single place ive been to wants $$$ for them to help.Just once i'd like to see the proceedures and documents to file for DIYs your own help. Come on people step up,and help every american not just the ones that can afford it!!!!

    ReplyDelete
  2. Setoffdebt.com or westudylaw.org is free help and it works

    ReplyDelete

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