alabama appelate court deals death blow to thousands of

8/10/2019 ALABAMA Appelate Court Deals Death Blow to Thousands Of

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ALABAMA Appelate Court Deals Death Blow to Thousandsof ForeclosuresPosted on January 24, 202 !y "e#l $ar%eldhttp&''l#(#n)l#es*wordpress*co+'202'0'24'ala!a+aappelatecourtdealsdeath!lowtothousandsofforeclosures'

-D.T/1 "/T-& 3Because $MAC Mort)a)e laced stand#n) to !r#n)the e5ect+ent act#on, the tr#al court ne(er ac6u#red su!5ect+atter5ur#sd#ct#on o(er the e5ect+ent act#on* Accord#n)ly, the 5ud)+ent of thetr#al court #s (o#d and #s here!y (acated* Moreo(er, !ecause a (o#d5ud)+ent w#ll not support an appeal, we d#s+#ss th#s appeal* .d*3

3$MAC Mort)a)e, l#e BAC #n turd#(ant, had not !een ass#)ned the

+ort)a)e !efore #t #n#t#ated foreclosure proceed#n)s* Conse6uently,under our hold#n) #n turd#(ant, $MAC Mort)a)e laced author#ty toforeclose the +ort)a)e when #t #n#t#ated the foreclosure proceed#n)s,3

7#th those words tens of thousands of foreclosures, #f not +#ll#ons, arecast #nto dou!t and, #n Ala!a+a 8 ar)ua!ly the +ost conser(at#(estate #n the nat#on, thousands of foreclosures can !e o(erturned aftere(#ct#on, after the sale at 3auct#on9 !ecause #f the cred#tor d#d not ha(eproof of the sale of the loan :#nclud#n) pay+ent, to co+plete thetransact#on, then they couldn1t (ery well #n#t#ate any "ot#ce of Default,"ot#ce of ale, or su!+#t a 3cred#t !#d9 at auct#on, s#+ply !ecause they

were not the cred#tor*

Th#s #s why ho+eowners, #n(estors and !ans loo#n) to re%nanceproperty that was e(er su!5ect to cla#+s of secur#t#;at#on andforeclosure +ust ha(e the #nfor+at#on conta#ned #n our C/MB/ t#tleand ecur#t#;at#on report :see a!o(e


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3/27

40 Responses

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johngault, onJanuary 2?, 202 at &@ p+sa#d&

A law su#t currently underway has alle)ed that a fa#lure to recordan ass#)n+ent, !e#n) #dent#%ed as a 3+ater#al +atter9, (#olates20?*0H?*Th#s should !e #nterest#n)*

Th#s one . really l#e&

" 20?*I2 Mort)a)e lend#n) fraudG penalt#esG c#(#l act#on*

* A person who #s a part#c#pant #n a +ort)a)e lend#n)transact#on and who&

* :e< F#les or causes to !e %led w#th a county recorder anydocu+ent that the person nows to #nclude a +#sstate+ent,+#srepresentat#on or o+#ss#on concern#n) a +ater#al fact,K

co++#ts the oense of +ort)a)e lend#n) fraud wh#ch #s acate)ory C felony and, upon con(#ct#on, shall !e pun#shed !y#+pr#son+ent #n the state pr#son for a +#n#+u+ ter+ of not less

than year and a +a#+u+ ter+ of not +ore than 0 years, or!y a %ne of not +ore than 0,000, or !y !oth %ne and#+pr#son+ent*

The only 6uest#on as to th#s one1s appl#cat#on #s are these!ansters3part#c#pants9 #n a +ort)a)e lend#n) 3transact#on9* Mr* $certa#nly th#ns they are*

Kselfass#)n+ent #s !o)us #n the %rst place, plus they alle)e toass#)n the note #n all those ass#)n+ents*

;urenarhh, you +#)ht want to loo up 3state+ent a)a#nst#nterest9 to see #f #t1ll !e of any (alue to you*

2*

johngault, onJanuary 2?, 202 at &2 p+sa#d&
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4/27

color +e a du++y, !ut . d#dnt1 )et #t that putt#n) one1sauto)raph on a false #nstru+ent : no r#)ht to s#)n what one1ss#)n#n), stat#n) a falsehood #n the doc< const#tutes for)ery #naddt#on to what else we can %nd* . now #t1s a cr#+e to record afalse #nstru+ent* .t1s also a cr#+e to eep false records #n pr#(ate

!oos :N< That last ones pro!a!ly rele(ant to +oney launder#n)and r#co*

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johngault, onJanuary 2?, 202 at &O p+sa#d&

hey, ;urenarrh, how a!out th#s :#n your state


5/27

th#s part1s for car#e&

/ send or del#(er, or conn#(e at the send#n) or del#(ery of anyfalse or %ct#t#ous tele)raph +essa)e :< or copy or purportedcopy thereof, where!y or where#n the sent#+ents, op#n#ons,

conduct, character, purpose, property, #nterests or r#)hts of anyperson shall !e +#srepresented or +ay !e #n5ur#ously aected, ornow#n) any such L-TT-, co++un#cat#on or +essa)e or anycopy or purported copy thereof to !e false, shall utter or pu!l#shthe sa+e or any copy or purported copy thereof as true,

Q shall !e )u#lty of for)ery and !e pun#shed as pro(#ded #n "20?*0H0*

. l#sted another one under a d# post fro+ today fy#* These )uysare )u#lty of all #nds of stu* 7e 5ust need to put #t #n the 5ud)e1s

face #+o*

4*

carie, onJanuary 2?, 202 at H&00 a+sa#d&

Rtony

Enfortunately, that doesn1t wor #n Cal#forn#a

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johngault, onJanuary 2?, 202 at 2&?? a+sa#d&

dan), ;urenarhh S #f the attorney represented he was rep1#n)M- to the court, !ut #sn1t, that str#es +e as pretty ser#ous* .t1scerta#nly an eth#cs (#olat#on* . don1t e(en now what you1d tryloo#n) that up under* But . do th#n #t1s no s+all deal, e(en #fyour court #s act#n) l#e #t #s* :o+et#+es courts +ae us +aee(ery ar)u+ent or alle)at#on oursel(es, !ut don1t . recall that

5ud)es ha(e a duty to report uneth#cal conduct the+sel(es to the!ar Pretty sure . do*< o+eth#n) l#e that #s pro!a!ly act#ona!le#tself* .1d sure loo #nto #t* Bes#des eth#cs, the word canons co+esto +#nd* /h, . now& used to !e called canons of eth#cs* "owcalled code of profess#onal respons#!#l#ty* L#ed the old na+e!etter* But that #s pro! only for eth#cs !reach and not whate(erelse such a )ross +#srepresentat#on #s* KUVNRW,N These )uys

?
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6/27

5ust do anyth#n), anyth#n) at all they want* .t1s 5ust a!outun!el#e(ea!le*

@*

tony, onJanuary 2?, 202 at 2&40 a+sa#d&

.ts funny how the court d#s+#ssed th#s case for lac of su!5ect+atter 5ur#sd#ct#on* L#e . sa#d !efore th#s #s the way to )et a cased#s+#ssed* Always %)ht the court o(er 5ur#sd#ct#on*

I*

johngault, onJanuary 2?, 202 at 2&@ a+sa#d&

.F :when< the h#ts the fan and lenders +ay no lon)er h#de!eh#nd M-, what do we suppose the owners of M- w#ll doM- pro!a!ly doesn1t ha(e one st#n#n) asset* .t #s owned !yMerscorp* .nc, wh#ch pro!a!ly has +#n#+al assets* . th#nM-corp1s #nterest etends to the data!ase #n #ts own r#)ht, not5ust !y way of own#n) M-* =+++ . 5ust th#n M- nowsth#s #s co+#n), so a+ try#n) to ant#c#pate what that1s )o#n) toloo l#e* 7on1t !e a!le to sue the+ S pro! noth#n) to )et andthose )ood fols pro! don1t e(en ha(e any #nd of #nsurance*P#erce corp (e#l -(en #f we could, the real oXcers ha(e al+ost

assuredly +ade the+sel(es !ulletproof !y now* *Y* Arnoldpro!a!ly )ot o h#s yacht #n the Baha+as lon) enou)h to +ae a%nal depos#t a year or so a)o* . sure hate to say th#s, !ut otherthan !y cr#+#nal char)es, M- +ay ne(er pay* But )et yoursu#ts l#ned up anyway !ecause the oXcers w#ll !eco+e hard to%nd #n a hurry :no depo1s, no nada


7/27

forced the attorneys to pro(e they represent M- and each ofus )ot one other person to do the sa+e, . !et we could hastenthe#r ad#eu* o+eone +ae a te+plateN 7e )et ased to +aephone calls or wr#te or whate(er here a!out th#s and that, r#)htso .1ll throw th#s #n& .f you do so, please add that you want

M-1 data!ase co++andeered*

O*

zurenarrh, onJanuary 24, 202 at 0&20 p+sa#d&

AlsoS5ohn)ault, you sa#d& 3And !y the way, 000 to , M-doesn1t e(en now your !anster #s ta#n) act#on #n a court #n #tsna+e9

They ad+#tted that too*

H*

zurenarrh, onJanuary 24, 202 at 0&O p+sa#d&

Thans for the #nfor+at#on, 5ohn)ault* That1s )ood stuN

0*

johngault, onJanuary 24, 202 at O&?0 p+sa#d&

;urenarhh S you +ay ha(e a pretty !#) st#c o(er M- and thusyour !anster* The !anster does not want you )o#n) after M-,trust +e* =ow !#) depends on what you co+e up w#th on falsedocu+ents, pretend#n) to ha(e an #nterest, etc* that you can %nd#n your state laws* There are statutes wh#ch pro(#de for pretty !#)awards, so+e tre!le da+a)es #f you successfully t#e the act doneto the statute* tart threaten#n) to na#l M- :no, not pretenderh#d#n) !eh#nd Mers, M- S oanoe, A S try haron

=orstca+p*< for all there #s to na#l the+ for and th#s +#)ht !e anew !all )a+e* .n the sche+e of th#s !#) st#c #ssue, a +#nor#rr#tat#on to !ansters #s #f M- feels l#e enforc#n) #tsa)ree+ent :yeah, r#)ht, usually


8/27

#s ta#n) act#on #n a court #n #ts na+e, unless +ers has chan)edth#s, too, s#nce #ts consent order, so the %rst t#+e they w#ll nowa!out th#s ad+#ss#on #s when [/E tell the+ r#)ht after so+e t#+espent loo#n) at your state statutes* M- !y any wholeclothar)u+ent #n the world has no #nterest #n the note S noth#n) they

purport to do as to the note #s !ased #n any contract w#th you,wh#ch +eans a law l#e th#s +#)ht apply #+o&3" 42*00? -e+plary and pun#t#(e da+a)es& .n )eneralGl#+#tat#ons on a+ount of awardG deter+#nat#on #n su!se6uentproceed#n)*

* -cept as otherw#se pro(#ded #n " 42*00I, #n an act#on forthe !reach of an o!l#)at#on not ar#s#n) fro+ contract, where #t #spro(en !y clear and con(#nc#n) e(#dence that the defendant has!een )u#lty of oppress#on, fraud or +al#ce, epress or #+pl#ed,the pla#nt#, #n add#t#on to the co+pensatory da+a)es, +ay

reco(er da+a)es for the sae of ea+ple and !y way ofpun#sh#n) the defendant* -cept as otherw#se pro(#ded #n th#ssect#on or !y spec#%c statute, an award of ee+plary or pun#t#(eda+a)es +ade pursuant to th#s sect#on +ay not eceed&

:a< Three t#+es the a+ount of co+pensatory da+a)es awardedto the pla#nt# #f the a+ount of co+pensatory da+a)es #s00,000 or +oreG or

:!< Three hundred thousand dollars #f the a+ount ofco+pensatory da+a)es awarded to the pla#nt# #s less than

00,000**9

But what o!l#)at#on, you say, d#d M- ha(e to you that they!reached =aa(e to loo at, scour your state laws* [ou1ll co+e upw#thh so+e* -(en #f th#s path S the rec#ted statute a!o(e S str#esout, there are others found #n other state laws S 5ust ha(e to loofor the+* . rattled that o !ecause . had #t handy*

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johngault, onJanuary 24, 202 at I&0 p+sa#d&

=ey, #n case anyone was read#n) +y co++ent on confess#n)5ud)+ent to an unsecured cred#tor, #t +#)ht !e that the act#onhas to !e taen #n a court !y su#t and a consent 5ud)+ent wouldnot wor* . don1t now* Be worth #t to people w#th tons ofunsecured de!t and no recorded ass#)n+ent to %nd out, thou)h,

O
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9/27

eep#n) #n +#nd that there +ay !e other statutes #n play wh#che#ther do or don1t support the need for a su#tto5ud)+ent*

2*

joann, onJanuary 24, 202 at I& p+sa#d&

5ohn)ault

And th#s !#t #n the Art#cle H re)ard#n) the 3sworn aXda(#t9 !y the3secured party9 S 3stat#n) that default has occurred9* o who hasrecorded the "/D to who and what does #t say 7ho are yousupposed to call to %nd out how +uch you owe "ot the3secured party9* 7here #s the 3sworn aXda(#t9 that a defaultoccurred to the 3secured party9 !y the 3secured party9 =ow

+uch #s owed h#+ today

*

carie, onJanuary 24, 202 at @&4 p+sa#d&

R5)

. w#ll we#)h #n later on that#n !#t of a fo) fro+ +ed#cat#on forear #nfect#on'strep throat +ed#cat#on

!ut8wanted to share8. 5ust )ot the or#)#nal rerecorded $rantDeed :. recorded #t AFT- 3the#r9 Trustee1s Deed Epon ale wasrecorded


10/27

They +ae #t as #f they are do#n) the ho+eowners a fa(or when#t #s to the#r !ene%t* My fa(or#te #s st#llG 7e w#ll l#+#t the pay ofthe oXcers of the TAP loans, unt#l the Fed can ra+p up thele)acy pro)ra+ and they can use cheaper fac#l#t#es to pay !acTAP and start ta#n) ho+es* =a(e to %nd the na+e of the

!aner !ac #n the 0\s that sa#dG $et #t !ac )et the house!ac as 6u#cly as poss#!le*

?*

joann, onJanuary 24, 202 at @&4 p+sa#d&

R5ohn)ault&

3The secur#ty a)ree+ent9 :transferr#n) an #nterest #n the note< .

don1t now what that would !e* what9Two th#n)s are re6u#red when 3.n so+e states, a party w#thout arecorded #nterest #n a +ort)a)e +ay not enforce the +ort)a)enon5ud#c#ally9&

3:#


11/27

3.t spec#%cally states that there #s no secur#ty #nterest unless theparty purchased the Loan fro+ the party that pre(#ously owned#t, and that th#s sale was +ade pursuant to a spec#al wr#t#n) thatstated that the purchase of the "ote #ncluded the secur#ty#nterest #n real estate represented !y the deed of trust* T=-- .

A P-C.F.C P/../" P-TA."."$ T/ T=- -C/D."$ /FD/CEM-"T "-C-A[ T/ F/-CL/- ." "/"JED.C.ALF/-CL/E- TAT-* The Cla#+ant cannot record thenecessary docu+ents, #nclud#n) the re6u#red aXda(#t, w#thoutper5ury, unless #t purchased the loan and secur#ty #nterest fro+the party that owned #t* By the appl#cat#on of le)al reason#n), theCla#+ant see#n) to foreclose +ust ha(e e(#dence and a )oodfa#th !el#ef that #t has nowled)e fo the ent#re cha#n of ownersh#pof the loan all the way !ac to the loan /r#)#nator :3Lender9 #nthe D/T


12/27

@*

johngault, onJanuary 24, 202 at @&2 p+sa#d&

R5oann S re& your co++ent at &0O, see +y post re protect#on ofone class at the epense of another at sourceoft#tle* That1s sureas hey how . see #t* "o one wants to deal w#th those taconse6uences to the #n(estors* They +ay th#n #t1s not ent#relyunfa#r !ecause on #nfo !el#ef, the . #sn1t st#c#n) #t to theho+eowner for de!t rel#ef, e#ther*But what such a lousy, for lac of !etter word, (#ew of fa#rness#)nores #s that, for one, ho+es are !e#n) taen #n a +annerwh#ch #s +ost accurately descr#!ed as theft* .1d rather pay theta on de!t for)#(eness #f #t e(er ca+e to that :wh#ch #t pro!a!lywouldn1t


13/27

They are all one and the sa+e* The 5ud)es are s+arter than youth#n* Most turned a !l#nd eye !ecause they are #n(ested #n so+eof the co+pan#es !e#n) #n(est#)ated* econd, +any of the !an:#f you w#ll< attorney1s ha(e pract#ced !efore these )uys foryears* They all swap sp#t wh#le !urn#n) an owl out #n CA*

Actually, the Jud)e does not want to p#t a pro se ' per seho+eowner a)a#nst one of the#r fr#ends, so . found #t #s !est to)et an attorney who !#lls !y the hour to )o #n and you do theresearch*

Don1t e(er let the+ w#thdraw the#r case w#thout su#n) the law%r+, ser(#cer, #n(estor, fd#c, fann#e and fredd#e, #f appl#ca!le and+ost #+portant %le su#t a)a#nst the attorney that was stand#n)across the ta!le so these )uys start to )et #t too*

H*

E. Tolle, onJanuary 24, 202 at ?&4 p+sa#d&

R5ohn)ault, . spoe :#n person< to +y A$1s deputy a!out arecordat#on %l#n) that #s fraudulent, and he s#+ply shru))ed h#sshoulders* .t1s a)a#nst another attorney #n town at the +#ll* .)uess they1re a !rotherhood*

20*Enraged, onJanuary 24, 202 at ?&2@ p+sa#d&

RJohn)ault,

[our I2@ +aes a lot of sense and, when you th#n a!out #t, #t1sl#e a 3re(erse9 =-L/C* .nother words, we are us#n) eactly whatthe !ans d#d to )et +oney out of us* -cept that now, the !anhas to pay !ac*

. th#n #t1s !r#ll#antN And #t would !ans well for ha(#n) sold3re(erse9 +ort)a)es to unsuspect#n) elderly who d#dn1t ha(e aclue what they were #n for*

2*

joann, onJanuary 24, 202 at ?&0 p+sa#d&
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14/27

#want+ynp(

Thans ecellent eplanat#on S #t1s 5ust that when you put as#n)le #nd#(#dual case to)ether to defend your #nd#(#dual ho+e Stry#n) to )et the 5ud)e to )o fro+ a to ; you ha(e to start fro+

what #s #n front of h#+ and wor !acward :all the way to whofunded #t at or#)#nat#on< and co+pel the docu+ents :noass#)n+ents or endorse+ents !ecause no con(eyance< and theaccount#n) +oney tra#l fro+ who to who when S #t #s espec#allyd#Xcult #n so+e states* "ot a reason to )#(e up e(en therethou)h espec#ally not now* -(en #n non 5ud#c#al 5ud)es arestart#n) to )et #t on appeal #t see+s*

There are always two con(ersat#ons )o#n) on at the sa+e t#+e*7hat #s the real#ty and what part of #t do you need to )et acrossto the 5ud)e and when #n order to ache#(e an #nd#(#dual o!5ect#(e*

3The "otes ne(er left the eller Ban, and they ne(er #ntendedfor the+ to lea(e the seller !an* They hold the assets on the#r!oos and le(era)e the+ to the h#lt, throu)h the swaps* they+ae the real +oney on the synthet#c swaps*9 -actly* "ow howto )et that accross to A$1s Ma#nstrea+ HHV $o(t Jud)esD#erent stroes* . cot#nue to th#n we should try any way wecan* Already ha(e too +uch salt #n the wounds

22*

zurenarrh, onJanuary 24, 202 at 4&4H p+sa#d&

5ohn)aultS

. totally feel you* My case #s now #n #ts rd year and #t has !eenal+ost a year s#nce the MJ was %ledSst#ll undec#ded* The tr#alhas !een postponed once already and #s soon )o#n) to !epostponed a)a#n* All o(er one of these fraudulent ass#)n+ents,wh#ch, as . sa#d, M- has now ad+#tted #n no uncerta#n ter+sthat #t couldn1t do what #t sa#d #t d#d*

[et here we arewe shall )o on to the end* es#stance #s (#ctory*And . en5oyed your 35ealousy day9 post yesterday* . now eactlywhat you +eanN

2*

4
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15/27


16/27

iwantmynpv, onJanuary 24, 202 at 4&I p+sa#d&

[ou )uys +#ss #t ent#rely* The "otes ne(er left the eller Ban,and they ne(er #ntended for the+ to lea(e the seller !an* Theyhold the assets on the#r !oos and le(era)e the+ to the h#lt,

throu)h the swaps* they +ae the real +oney on the synthet#cswaps*

For)et the PA, Prospectus and upple+ental Prospectus for one+o+ent* [es, they all do clearly #nd#cate that the donor'seller!an #s the only ent#ty that can con(ey the 3pooled9 loans to theTrust* Th#s what e(eryone loos past, Delaware and "[ Trust law#s epl#c#t a!out the t#+e #n wh#ch any assets +ust !e con(eyedto any trust* o, whether #s #s )rand+a ssch+e#)el lea(#n) #t forthe rotten )reedy )rand#ds or he BAC P, the law #s the sa+eH0 days* That #s why the cut o date and clos#n) date for e(ery

pool #s H0 days* These )uys don1t care a!out a couple loans, thatare fr#)htened that the pu!l#c de+and they pay the taes at thealle)ed trust le(el s#nce they are no lon)er -M.C 6ual#%ed*

Moreo(er, we tal a!out or#)#nators as #f "ew Century and /pt#on/ne or#)#nated the loans, these s+aller su!pr#+e !ansoperated as a)ents for the /r#)#nators of the trust and d#dnoth#n) +ore than +aret and underwr#te %les :howe(er poorly

alabama appelate court deals death blow to thousands of

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