WOW! I guess I hit a nerve. Here is an example of the many comments received. Worth the read not only because it validates what we know, but proposes action.
CAUTION: I agree that freedom of assembly and free speech is probably going to have more effect than any traditional approach. But we are close to a tinderbox here with millions of people out of work, underemployed, and simply dropped out that could lead to a chaos that none of us should want or allow. The anger and frustration is growing. Power in the people is reserved to those who maintain the higher moral ground. Scaring people with violence or threats will isolate you even if it gets you some press coverage.
So my advice is don’t break any laws, and if you are given a direct instruction from law enforcement, obey the command unless you are prepared to be arrested or detained. If so, go peacefully. Take no action against law enforcement officers. They are not the cause of the problem and you will alienate people who might otherwise sympathize with your views.
Essentially, this is what will happen in court. The foreclosure mills justify their conscience because they are simply doing what they are paid to do. Pro-se litigants have a personal hook in the deal – the foreclosure mills have nothing but easy money.
We started filing our lawsuit long before we stopped paying the mortgage. In fact, it was “after” we sent the demand letter with complaint attached to the builder and original lender when they filed to foreclose.
We were left in a no-win situation because of what the BANK – BUILDER – APPRAISER – County Code Official – conspired and did. We cannot fix, correct, or sell our house because of their actions. It has cost us everything which is exactly the position the foreclosure mills want their prey to be in. Unfortunately, they filed false affidavits and committed fraud on the court. The judge dismissed the case without prejudice which means they will be back.
My outrage and infuriation is that they ALL know it. The alleged original lender knew they pre-sold our loan so their liability was already limited at best. We paid the full mortgage for 8-months before moving into the house. That alone is a violation of the PSA. The house violates the zoning & building codes – another violation. IMHO – I do believe the mortgage loan – Instrument is VOID & Nullified because at NO-TIME was it EVER a legitimate legal Instrument. It is still isn’t…
The idiocy of attempting to work this out legally – respectfully is futile because they have NO INTENTION of working anything out. Their intentions are clear – pound us into poverty – take the property – sue us for whatever else defiency or whatever and leave us for dead…
Yet, at no-time did we participate with their lies & deception.
I specifically gave Patrick countless proof that CW deliberately sold mortgages to consumers that did NOT know what they were getting. Yet, he believes these people are accepting their due-responsibility. How can they accept responsibility for something they have no-idea was done – worse it was done TO THEM and NOT the lender. That is hypocrisy on Patrick’s part. Yet, he will conveniently drop back to the courts continued mis-handling of these cases and proclaim victory.
I agree with Frankielee – the fact of the matter is everyone should stop paying their loans and drive the lenders into bankruptcy. It would not take every loan – maybe 4-6 months and these lending institutions would collapse. Sadly, that will not happen because these lenders control the media which portrays every borrower in trouble as a deadbeat. Strangely, when I think back to a few weeks before settlement – I kept asking – don’t they need a U&O Permit – what about the lien waivers – invoices – how could they get a final inspection and appraisal to settle on a house that was NOT completed..? I was told it was all taken-care-of… hmm?
I know of folks who were never late paying their mortgage and they were foreclosed. As for us – we simply attempted to sue the original lender so we could fix the house, correct the zoning – illegal U&O – lack of inspections – etc and just sell the damn place. The made it very clear – they will stomp us into submission – take the house – wash the title through the foreclosure process – pay for the illegalities using the special hazard insurance (Ins fraud) and auction for pretty penny pocketing the entire deal as another cash-cow for them.
…and somehow the guilt manipulators want me to feel as though it was my-fault…
All I know anymore is this driving me insane – I wake up several times per night with them on my mind and none of it is good. Gee maybe I can sue them for punitive damages for driving me crazy but do I have to [suggestion omitted) to do it…? It certainly appears that way…
Filed under: foreclosure 
