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October 2018 Article Archive

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Hawaii Supreme Court: Yes to Wrongful Foreclosure Counterclaim BEFORE Foreclosure is Completed and No to”Plausible” Pleading
livinglies.wordpress.com | October 12, 2018
Now that the courts are no longer in fear of precipitating an economic meltdown, it’s time to return to legal decisions instead of political decisions. The Hawaii Supreme Court has done just that in a common sense decision that sweeps aside most of the Wall Street arguments against allowing homeowners to raise the fraudulent foreclosure issue. The decision goes back decades in reaffirming the law and the intent of the rules of civil procedure.
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How to Win Eviction/UD Actions
livinglies.wordpress.com | October 11, 2018
Charles Marshall will discuss today two seminal unlawful detainer (UD) cases, in which respectively in each case the lower Court there found per usual for the institutional UD Plaintiff against the ‘former’ homeowner who was foreclosed on by an institutional trust, aka ‘lender-in-succession’. Yet on appeal of the UD judgment, in both these separate cases, the appellate courts reversed the judgment and remanded the cases.
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Standing: The Crux to Defending False Claims of Securitization of Mortgage Loans
livinglies.wordpress.com | October 8, 2018
Mortgage foreclosure is the civil equivalent of the death penalty. in criminal cases. Many court decisions have enthusiastically supported that notion and attached much more stringent rules to the enforcement of a mortgage or deed of trust than they use in enforcement of a note. That is, until the last 20 years.
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TILA Rescission: W.V. Federal District Court:”Lender” Must File Suit, Damages Awarded to Borrower
livinglies.wordpress.com | October 2, 2018
Federal Judge’s response to chicken little argument: [2] RMS argues that enforcing the statute as written would upend the mortgage industry. As noted, lending institutions faced with a notice of rescission have many options to protect their interests and ensure that the borrower is able to tender the loan proceeds. Most obviously, creditors may provide the required disclosures to limit the rescission period to three days, when parties are more likely to be able to easily return to the status quo. The Court is unconvinced that creditors will be unable to protect their financial interests if they are required to comply with § 1635 according to its terms.”(e.s.)
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How Can the Note be Transferred Without the Debt?
livinglies.wordpress.com | October 9, 2018
For most people, the concept of indorsing a note and delivering an “original” of the note to the indorsee/endorsee can only mean one thing — the note is evidence of the debt and thus, by virtue of the merger doctrine, the transfer of the note means that the note was essentially “title” to the debt. Hence the debt is owned by the transferee. The banks took advantage of this assumption and conducted millions of foreclosures based upon this assumption despite all facts to the contrary. Even if you talk to lawyers or judges their minds cloud over with the argument. It isn’t credible because it isn’t possible — the very definition of the word counter-intuitive.
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