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October 2019 Article Archive

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"CFLA to Intervene in U.S. Supreme Court Case that Seeks to Extinguish the CFPB in its Entirety"
cfla.com | October 28, 2019
Defendants' CFLA and ANDREW LEHMAN, hereby move the court Under Federal Rules of Civil Procedure 24 for a Motion to Intervene as a Matter of Right Because The Issues in The Instant Matter Are So Detrimental to the Rights of These Intervenors That A Resolution in This Case Would Affect The Rights of The Intervenors. Intervenors Would like to file herewith this Motion to Intervene into the Central District of California Case [CFPB v. Soliel Law LLC, USSC Appeal Docket No. 17-56324) , and file concurrently herewith CFLA's U.S. Supreme Court Opening Brief as against the Bureau of Consumer Financial Protection, in the matter of [CFPB v. Soliel Law LLC, USSC Appeal Docket No. 17-56324) in the United States Supreme Court on the controlling issue of Whether the Plaintiff, Bureau of Financial Protection (i.e. CFPB) is an Unconstitutional Agency that lacks teh Enforcement Power to bring an Action as against CFLA or ANDREW LEHMAN.
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The Supreme Court Is Poised to Strike Down a Major Obama-Era Agency
nationalreview.com | October 23, 2019
The Consumer Financial Protection Bureau concentrates power in the hands of a single, unelected, unaccountable official. Last week, the Supreme Court agreed to hear what could end up being the most consequential case of the term — in a year where the justices are already taking up employment discrimination, the Second Amendment, abortion, DACA, school choice, and other issues of higher political salience. In Seila Law LLC v. Consumer Financial Protection Bureau, the Court will decide the constitutionality of an agency long criticized not just by the business community and free-market-oriented politicians but also by constitutional scholars who see major problems with its structure as a single-director agency seemingly unaccountable to the president or anyone else.
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Dorian Grey: Loan Agreements have changed without detection by the courts
livinglies.me | October 17, 2019
The normal loan agreement is based upon certain accepted and presumed elements. The borrower desires to borrow money, he/she gets a loan of money and signs documents in favor of the lender setting forth the terms of repayment. The lender, who is responsible under TILA for the viability of the loan, makes the loan with the expectation of being repaid and earning a profit from interest and fees. The borrower relies upon the lender’s desire to be repaid and the lender relies upon the borrower’s intent to repay the loan according to its terms.
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Harvard Law Review Article on Mortgage Meltdown, Financial Crises, and Claims Against the Banks and Government
livinglies.me | October 16, 2019
In this study, the authors provide an exhaustive and invaluable aid, with plenty of charts and explanations of the mortgage meltdown, sub-prime and general credit crisis. This is MUST reading for anyone who is filing securities actions and foreclosure defense. With this paper, you can understand who the players are and what they were doing.
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The Bear Sterns Story of Predatory Lending
livinglies.me | October 16, 2019
This report documents what is now known to be one of the largest predatory lending, servicing and financial scandals in America. The report documents and provides conclusive proof of widespread corruption, accounting fraud and abuse existing at Bear Stearns & Co., a major Wall Street investment bank and related subsidiaries.
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Update on MERS
livinglies.me | October 16, 2019
Just assume that everything is a fiction and none of it is real. Then set out to create the inference against the use of key legal presumptions necessary for the foreclosure mill to establish a prima facie case. Those presumptions lead to conclusions that are contrary to facts in the real world.
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Finding a Lawyer to Defend Foreclosure
livinglies.me | October 15, 2019
Most lawyers have dropped out of the game because they don’t know how to win or make money. No loss to homeowners who really want to contest a foreclosure based upon lies and fabricated documents.
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Beware of Bank and Foreclosure Mill Labels - that is where the lies start
livinglies.me | October 15, 2019
Beware of labels: the banks and the foreclosure mills get away with most of their deceit by simply using self serving labels.
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Here is the Answer to Guilt About the “Free House” — the one the banks don’t want you thinking about.
livinglies.me | October 4, 2019
Imagine we are in a new era, where disclosure was full and complete to investors and borrowers.
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The Solution to Defective Securitization of Mortgage Debt: The Bare Legal Truth About Securitization of Mortgage Debt
livinglies.me | October 3, 2019
The basic truth is that current law cannot accommodate securitization of mortgage debt as it has been practiced. In short, what they (the investment banks) did was illegal. It could be reformed. But until the required legal steps are taken that address all stakeholders virtually all foreclosures ever conducted were at best problematic and at worst the product of a fraudulent scheme employing illegal tactics, false documents and false arguments of law and fact.
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Ocwen Refunded Money to Maine Borrowers Who were Illegally Foreclosed
livinglies.me | October 2, 2019
According to the Maine Bureau of Consumer Credit Protection, Ocwen Loan Servicing instigated foreclosures on loans based on paperwork that was determined to be legally inaccurate.
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