Stop Mortgage Foreclosure

UPDATE: July 11, 2009

on ‘no judicial immunity’

Courts enforcing mere statutes do not act judicially merely ministerial, having thus no judicial immunity, and unlike courts of law do not obtain jurisdiction by service of process nor even arrest and compelled appearance. Boswell v. Otis, 9 Howard 336, 348.

update on my foreclosure, (watch the videos below for some background

After the bank committed forgery by signing the same name (by 3 separate hands), on a proof of service which they claimed they posted on my door by court order, (but NEVER did), and after a sheriff posted a 5 day notice to vacate, BASED on this fraudulent proof of service, (which by the way was not only a forgery, but not even filed by the required deadline, and then backdated by the clerk of court), i was forced to file bankruptcy to put a ’stay’ on the sgeriffs to prevent them from forcing me out and to buy more time to build my case.

The banksters filed a motion to ‘lift my stay’, but then i was told by the bankruptcy court, that they withdrew it. I called the bankruptcy court every day for a week, to see if the bank tried to re-file it, (so that i might be prepared to counter them), and the clerk informed me that NOTHING else had been filed, and that NOTHING at all had been filed again.

Then yesterday i called again, and the clerks said that the bank had a motion to lift the stay all along, and that they had accidently filed it TWICE, and withdrew ONE..

can you say MANEUVRE?

AND

I also called the local court every day to see if any opposition to my complaints and motions to vacate the clerks default ( which the banks had gotten the stay based on with their forgery, perjury and fraud), they assured my no opposition or response had been filed, (their deadline to file opposition was monday, but i checked every day just in case the clerk decided to backdate something again… sure enough, they did it AGAIN!

This is an OUTRIGHT violation of due process and nothing more than the courts furthering the agenda of criminal syndacates called BANKSTERS, to fraud the people out of their property,

We all know the BANK (and there is really only ONE…..the IMF), are destroying the land we believed was free and our families fought for to own their own property thst NO ONE could take away from them, (that is the very fabric of what freedom mean, no one can TAKE what is yours), but the bank could not get away with it idf the courts were not comprised of their very own agents POSING AS JUDGES AND CLERKS who took oaths to PROTECT our RIGHTS and who purport to SERVE us.

I assure, they do not,

The courts do not serve the PEOPLE any more than the police, or your congressman, mayor, govenor, or your local POLICY enforcement agents ‘called’ peace officers.

It is not just the banksters destroying this country, but destroying this world, by implanting THEIR greedy psychopathic evil liars in the positiopns of power OVER the people they alledge to serve.

The judges work for the banks, and so do all the rest of them. This is how they get away with denying all due process and following NO LAW.

They are spineless cowards, greedy little satan serving demons.. and they WILL answer to a power so formidable that i even tremble to think of it.

Their sentences will be far worse in the end, than even the the millions of children and innocent women and men tortured and murdered by courts who uphold the agenda of these banksters and force the people to labor to fund this genocide and mayhem,, for their suffering will be for eternity.

Remember what it means to be brave… these banksters get away with it because the courts are COWARDS. Do you have the Bravery to stand up to judges, policy enforcement agents, congressmen, and evil kings?

Or will you roll over and obey them, so that you might just go along to get along one more day?

Duration : 0:9:59

(more…)

Technorati Tags: bail out, banks, corporate crime, courts, federal reserve, Foreclosure, fraud, GMAC, government, Mortgage, sovereign

UPDATE: July 11, 2009

on ‘no judicial immunity’

Courts enforcing mere statutes do not act judicially merely ministerial, having thus no judicial immunity, and unlike courts of law do not obtain jurisdiction by service of process nor even arrest and compelled appearance. Boswell v. Otis, 9 Howard 336, 348.

update on my foreclosure, (watch the videos below for some background

After the bank committed forgery by signing the same name (by 3 separate hands), on a proof of service which they claimed they posted on my door by court order, (but NEVER did), and after a sheriff posted a 5 day notice to vacate, BASED on this fraudulent proof of service, (which by the way was not only a forgery, but not even filed by the required deadline, and then backdated by the clerk of court), i was forced to file bankruptcy to put a ’stay’ on the sgeriffs to prevent them from forcing me out and to buy more time to build my case.

The banksters filed a motion to ‘lift my stay’, but then i was told by the bankruptcy court, that they withdrew it. I called the bankruptcy court every day for a week, to see if the bank tried to re-file it, (so that i might be prepared to counter them), and the clerk informed me that NOTHING else had been filed, and that NOTHING at all had been filed again.

Then yesterday i called again, and the clerks said that the bank had a motion to lift the stay all along, and that they had accidently filed it TWICE, and withdrew ONE..

can you say MANEUVRE?

AND

I also called the local court every day to see if any opposition to my complaints and motions to vacate the clerks default ( which the banks had gotten the stay based on with their forgery, perjury and fraud), they assured my no opposition or response had been filed, (their deadline to file opposition was monday, but i checked every day just in case the clerk decided to backdate something again… sure enough, they did it AGAIN!

This is an OUTRIGHT violation of due process and nothing more than the courts furthering the agenda of criminal syndacates called BANKSTERS, to fraud the people out of their property,

We all know the BANK (and there is really only ONE…..the IMF), are destroying the land we believed was free and our families fought for to own their own property thst NO ONE could take away from them, (that is the very fabric of what freedom mean, no one can TAKE what is yours), but the bank could not get away with it idf the courts were not comprised of their very own agents POSING AS JUDGES AND CLERKS who took oaths to PROTECT our RIGHTS and who purport to SERVE us.

I assure, they do not,

The courts do not serve the PEOPLE any more than the police, or your congressman, mayor, govenor, or your local POLICY enforcement agents ‘called’ peace officers.

It is not just the banksters destroying this country, but destroying this world, by implanting THEIR greedy psychopathic evil liars in the positiopns of power OVER the people they alledge to serve.

The judges work for the banks, and so do all the rest of them. This is how they get away with denying all due process and following NO LAW.

They are spineless cowards, greedy little satan serving demons.. and they WILL answer to a power so formidable that i even tremble to think of it.

Their sentences will be far worse in the end, than even the the millions of children and innocent women and men tortured and murdered by courts who uphold the agenda of these banksters and force the people to labor to fund this genocide and mayhem,, for their suffering will be for eternity.

Remember what it means to be brave… these banksters get away with it because the courts are COWARDS. Do you have the Bravery to stand up to judges, policy enforcement agents, congressmen, and evil kings?

Or will you roll over and obey them, so that you might just go along to get along one more day?

Duration : 0:9:59

(more…)

Technorati Tags: bail out, banks, corporate crime, courts, federal reserve, Foreclosure, fraud, GMAC, government, Mortgage, sovereign

New program that will make it easier and faster for the most at-risk homeowners to modify their mortgages and stay in their homes.
The “Streamlined Modification Plan,” or SMP, which is an expansion of what many lenders are already doing, will be implemented by December 15, 2008. The streamlined process will apply to at-risk borrowers who are 90 days or more late on their existing mortgages and whose loans are owned by Freddie Mac, FNMA or participating balance sheet lenders/servicers.

Duration : 0:8:14

(more…)

Technorati Tags: Fannie, Foreclosure, Freddie, government, help, loan, Mac, Mae, modification, Mortgage, Streamlined

Nova Dean Pack is an attorney licensed with the California State Bar since 1974. The Law offices of Nova dean Pack have taken a stand of advocacy for homeowners who have been affected by the current financial crisis.

Homeowners who are experiencing hardships due to a loss of job or cut in income or who’s mortgage(s) has recently adjusted may qualify for one of the various programs available to homeowners.

Hope For Home Owners (H4H)

On October 1, 2008 the U.S. Department of Housing and Urban Development (HUD) instituted the Hope for Homeowners Program. This program was designed to help those homeowners who have or are experiencing any of the following situations:

Their mortgage exceeds the value of their home.
They are on an adjustable rate mortgage.
They have a high fixed interest rate.
They are behind, or in foreclosure.
May have income/job issues.

The program effectively reduces the current mortgage (including second mortgages, late payments, attorney fees, and etc) to 90% of the homes CURRENT market value based on a FHA approved appraisal. This can save tens of thousands in mortgage balance, and hundreds to thousands in mortgage payments.

Credit score does not matter, and even homes in the foreclosure process qualify. These are the lowest 30 year FIXED rate mortgages with NO prepayment penalties and these new loans are also FHA insured. If you cannot afford your current loan, do not own a second home, and your mortgage was originated before 2008; you can qualify for help with this new program.

Loan Litigation
The Law office of Nova Dean Pack provides forensic audits to examine and find any possible defects or irregularities in the truth-in-lending and HUD-1 documents you received at the close of escrow when you originally received your mortgage loan. We audit the Annual Percentage Rate (APR) and the closing costs for regulatory compliance. If the truth-in-lending statement doesnt match the HUD-1 closing-cost sheet you received at closing, or if the APR is not accurately stated, you might have a cause of action against your lender that holds a mortgage on your property. This procedure may yield results that may be used to pursue litigation or may be leveraged when negotiating with the lender to grant a beneficial loan modification.

Forbearance
The Law office of Nova Dean Pack can often negotiate a forbearance agreement with your lender. Most mortgage lenders will initially try to entice borrowers with a forbearance agreement. This type of arrangement calls for the borrower to catch up the back payments, fees, and interest over a very short period of time (usually three to twelve months). The result is a much higher monthly mortgage payment and often a large lump sum up front to initiate a forbearance agreement. If the homeowner client cannot make the current mortgage payments, how will the homeowner client make even a larger monthly payment? Thus, this usually is not the best option.

Loan Modification
The Law office of Nova Dean Pack believes the best solution is a loan modification if the client desires to keep possession of his or her home. In situations where the mortgage lender has been convince by our law firm that a repayment plan or forbearance is the appropriate course of action, a loan modification is often considered and successfully negotiated with your lender. A loan modification involves changing one or more of the terms of a mortgage in order to help you bring a defaulted loan current and prevent foreclosure. This option generally is considered for homeowners whose financial problems are expected to be more long term. Often, your payments will be lowered through a new lower interest rate, which will bring down your payments. We will inform you of the negotiations being done, but you, as the client, will have the final decision to accept or reject the loan modification terms agreed by your lender.

9229 Utica Ave. Suite 100 Rancho Cucamonga,
California 91730

California State Bar License #62338

Duration : 0:1:1

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Technorati Tags: distress, free, government, loan, modification, Mortgage, programs, sale, Short

http://www.stop-foreclosure-for-1700-dollars.com Free FAQ videos Can bankruptcy stop foreclosure, Timeline for foreclosure, Grants to help stop foreclosure, Stop foreclosure help to save your home.

Duration : 0:2:11

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http://www.stop-foreclosure-for-1700-dollars.com Free FAQ videos Can bankruptcy stop foreclosure, Timeline for foreclosure, Grants to help stop foreclosure, Stop foreclosure help to save your home.

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http://www.stop-foreclosure-for-1700-dollars.com Free FAQ videos. Foreclosure help to save your home, Timeline for foreclosure, Can bankruptcy stop foreclosure, Grants to help stop foreclosure.

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http://www.stop-foreclosure-for-1700-dollars.com Free FAQ videos Can bankruptcy stop foreclosure, Timeline for foreclosure, Grants to help stop foreclosure, Stop foreclosure help to save your home.

Duration : 0:2:30

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