Mortgage Reform News

What is Area 51Today? Uncategorized

  In the past, one would say that Area 51 contained aliens and their futuristic technology from unknown worlds. This area of land we were not privy to. It was a place that was bordered by fences and armed guards. Outsiders were not allowed to enter this area. It was restricted and contained items that […]

Who is PETE? Uncategorized

Let us start from the beginning shall we. Quite simply put when the borrower signs the Tangible Promissory Note the borrower automatically incurs the obligation under the Uniform Commercial Code or your states statutory equivalence of UCC Article §3-412 . The obligation of the issuer of the Tangible Promissory Note will be paid to a […]

PETES’s Missing Now What??? Uncategorized

In the previous article we have conversed about the “Person entitled to enforce” hereinafter abbreviated to “PETE” In this article we are looking at What happens when there is no PETE? This is a question that is asked however, no answer is given by the party looking to foreclose. The party that is attempting to […]

Knife or Spoon Uncategorized

Which instrument would you use in cutting your steak? While the spoon may eventually get the job done, the results will be sloppy and crude at best. Care must be taken to insure that the proper instrument is used at the correct time to achieve maximum performance for the desired results. The same can be […]

When should I invite you to my Quiet Title party? Uncategorized

The issue with Quite Title complaints and matters of equity In looking at the many strategies that are being brought forward that pertain to wrongful foreclosure actions; there are none more disappointing than the Quiet Title complaints that state a lot of information, but lack substance, form, and timeliness. There is a misnomer in the […]

Getting Started With a Foreclosure Complaint Uncategorized

Laying the proper foundation is essential before one can begin building upon it. This applies to almost everything in life. It is no different in issues pertaining to foreclosure. Whether going on the offense or defense. When one desires to start building they need to make a determination as to what ingredients to use. Should […]

Are You Just Crying the Blues? What are you asking the Courts to Declare? Uncategorized

Now that more and more parties are coming forth with complaints for Declaratory Relief we need to have a more precise understanding as to what is that we are asking the courts to declare. First, one needs to understand, what is the end result the Plaintiff is looking to walk away with? This is not […]

Foreclosure Defense Essentials: Proving Irreparable Harm Uncategorized

Irreparable Harm is something that is affecting homeowners and it is an issue that needs to be addressed by them. Irreparable Harm is the type of harm in which no monetary compensation can cure or put conditions back the way they were. An example is the loss of a priceless family heirloom that has been […]

Article 9 Does Not Govern Real Property Security Instruments Uncategorized

It is a misnomer and misconception that UCC Article 9 or your states equivalence applies to Security Instruments (Mortgage and Deeds of Trust) pertaining to real property. That is not true. Pursuant to U.C.C Article 9 109 (d) or your states equivalence of which states: U.C.C § 9-109. SCOPE. (d) [Inapplicability of article.] This article […]

Foreclosure Defense Strategies: Apply the Foundations Uncategorized

Shiny Object Syndrome is a very common disorder that many home owners and attorney’s suffer from. This disorder happens when either the homeowner or the attorney starts of in one direction and then before the journey is completed something pops up on the horizon and they race off in a different direction. Countless hours and […]