Foreclosure Defense Help | Stop Foreclosure Process
Facing Foreclosure? Want to Stop Foreclosure Fast?
“Oregon Homeowner Stumbles Upon a Shocking Secret
Your Lender Hopes You Never Find Out & Spills the Beans in Free eBook…”
Discover if Your Bank is
Breaking the Law by Foreclosing on Your Home Illegally.
FREE eBook Reveals…
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Why 85% of Foreclosures are done in FRAUD (and what this means to YOU and YOUR home loan) |
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How you can LEGALLY turn the tables on your lender to STOP the foreclosure process dead in its tracks |
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Learn Simple Foreclosure Defense Strategies so you can stay in your home and put an end to your pain, stress, and frustration for good |
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Plus, actual court cases (from other homeowners who fought back and WON) |
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And other FACTS that prove you have more OPTIONS than you ever thought possible |
Don’t let the banks continue to pull the wool over your eyes!
Find Out if Your Foreclosure is ILLEGAL!
Time is NOT on your side
Claim Your FREE eBook Now
and get the facts that can save your home…
We respect your privacy and will not reveal your information to anyone for any reason.
Don’t take our word for it, here are what people
in the News are saying about foreclosure defense.
Here’s just one of many stories of one of our members winning against Bank of America in foreclosure defense in the News:
Here’s what else you’ll discover…
- How the banks are getting paid 3 times (and more) the value of your mortgage loan and what you can do about it
- How you may qualify for a 100% REFUND of the principal and interest you’ve paid on your mortgage to date
- How to find out if your lender followed the law under the Truth in Lending Act and Real Estate Settlement Procedures Act and what it means to you and your loan
- Direct links to little-know, time-saving, and credible resources (so you don’t waste dozens of hours sifting through garbage and confusing half-truths all over the internet)
- How to save yourself and your family from being victimized by one of the largest financial scams in recorded history
- And much, much more
Home Owners are winning all over the country. Learn foreclosure defense strategies so you can fight foreclosure fraud.
We respect your privacy and will not reveal your information to anyone for any reason.
Here is what people are saying about this book:
“IN MY OPINION, THE FORECLOSURE DEFENSE GUIDEBOOK BY VINCE KHAN IS A MONUMENTAL DIRECTIVE FOR REMOVING AND SMOTHERING THE LENDING INSTITUTIONS AND WALL STREET EVIL DOERS WHO HAVE TAKEN ADVANTAGE OF THE AMERICAN HOMEOWNER….BUY 2 COPIES OF THE BOOK, ONE FOR YOUSELF AND ONE FOR YOUR LAWYER.”
- C. L. RAY, JUSTICE (ret.), SUPREME COURT OF TEXAS“…clearly lays out the point by point bread trail that the banks have done with the note through the securitization process. WOW!!!”
- Frank, Paralegal“I had a TRO hearing on Jan 31st. it was a TRO for quiet title against MERS, BOA and ReConTrust. I basically used examples set forth from the consumer defense program except tailored made for my situation. I also had the securitization audit done which basically won my case!! The Judge was sympathetic to my cause. He asked BOA, MERS and Recontrust’s lawyer two simple questions that their lawyer could not answer. “Where’s the note?” When the lawyer said that he did not have it, the Judge was irate and commented that he came unprepared to the court. He then asked if BOA, MERS or ReConTrust had a right to foreclose- to which he responded “no”. The end result was that they conceded and I won. Thank you consumer defense and securitization audit
Byw, I guess that I need to cancel my subscription as I am no longer on the calls or in need of forms. If something else comes up, then I will rejoin. Is there a protocol to cancel?
Thank you again,”
- Michelle Samples
“Thank you so much for this valuable information. You really got to the root of the issue. I have done alot of research on this topic and have found your information to be the most thorough and applicable. I have already put it in practice and will share this book with at least 3 others if not many more!!!!! I will also contact you and let you know the final outcome. Thank you!!!!!!”
- Kimbra“Ever since I started reading your book, I have not been able to put it down. It has been extremely informative, easy to read, and has helped me greatly in my decisions to fight for my home. Thank you very very much, I can’t wait to be able to help others with similar problems by referring them to your book. Please keep helping us, your advice is deeply appreciated.
Thank you so much”
- Jairo Gutierrez“Opened it, read it, and am absolutely blown away!…”
-Tom“Vince this is one of the best sources of information I have read to date. Spent money on other info that does not measure up to the info you’ve provided. My sincere thanks…”
- Adam“…very, very informative…”
-Rick Carr“…I couldn’t stop reading…so timely and helpful…really broke things down in layman terms…”
-Bridget“Your product is essential to the financial security of each property owner in this country! If you are behind or not, don’t let the banks take advantage of you anymore!”
-Ernest Egan“This information is a god send…”
-Kirk“Vince Kahn’s Foreclosure Defense Manual is the BEST document I have come across which explains this otherwise intensely complicated field. I have been doing research for almost a year and it wasn’t until l read the manual that the whole thing came together…”
-Ana“Absolutely phenomenal reading! …has the ability to really change things in this country and beyond!”
-James“WOW…. I’m blown away with the content. THANKS …for showing me the way…”
- RCL“May God bless you and your team for what you are doing to help others. We have forwarded this e-book to everyone we know and have asked them to pass it along to their friends and family…It is important information that everyone needs to know…Thank you from the bottom of our hearts!”
-Jeff Knapp“…lots of information and well put together. Thank you for all of the hard and time consuming work you have put into educating homeowners…”
-Patricia A. Young“Ever since I started reading your book, I have not been able to put it down. It has been extremely informative, easy to read, and has helped me greatly in my decisions to fight for my home. Thank you very very much…”
- Jairo Gutierrez“Vince Khan does a great job of explaining what is really going on when a “lender” is foreclosing on someone, and also pointing out how the vast majority of these “lenders”, who are really just “loan servicers” have no authority to foreclose on the homeowner…”
-Ron“…EVERYONE really needs to read this stuff! Thank you Vince for bringing this truth out. And for your humanitarian and courageous stand to keep people from losing their homes to corrupt predator lenders!”
-Cindy White“Thank you so much for your courage and strength to educate main street of the FRAUD AND SCAM that is happening. I am fighting Bank Of America and Chase Home Financial I’ve started Administrative Process…”
- Simone“…Thanks greatly for the “organized and pointed” information!!”
- Wally Cook“Planning to share this book with many, the laymen terms make it easy to understand even for the most inexperience reader…”
-Mimi“Thank you for the serious amount of work put into this book. The book is simple, easy to read, and easy to understand.”
-Mark
We respect your privacy and will not reveal your information to anyone for any reason.
Help, I am Facing Foreclosure.
Knock, knock came the noise from the front door. I gingerly opened the door to find my postman handing me an envelope requiring my signature. It was for certified mail.
It was a Notice of Default from my servicer. It felt as if someone had physically punched me in the gut and I felt like vomiting. Intellectually, I knew this moment would arrive, but yet I cannot help the way I feel.
I couldn’t even get myself to finish reading the rest of the document before tossing it on my desk and crawled into bed and cried.
As a grown man, I cannot recall when the last time I cried. I’ve been conditioned to “be a man” and not to break under pressure. But, despite it all, I cried. Somehow, I wish that someone would come and tell me everything is going to be OK, just like my mother did when I was a little boy. Unfortunately, no body could. Because nobody understands what I am going through. It’s hard to “keep it together” when your whole world is falling apart around you.
My name is Vince Khan. This is my story.
I made a lot of money around 2002-2004. I made enough money to retire for the rest of my life. With that money, I invested in a number of properties, partly as a way to park my money and partly as a way to make a little money investing in real estate.
In 2009 I started another business that required a lot of start up capital. Things didn’t turn out as I had planned. I had invested all my money into the venture but it was not enough. I needed more money. In 2010, I made a decision to stop paying the mortgage for 4 of my investment properties to feed my new start up, in the hopes that eventually, my startup would turn around and I would then have enough money to pay back the bank.
I was wrong. My startup failed. Not only had I lost everything, I was heavily in debt because I leveraged everything I had to fund my company.
So, like millions of people around the country, I was facing foreclosure.
Shortly after I stopped making payments, I started looking at my options. I could either do a short sale (meaning I could sell the property for what is owed) or just hold onto the properties for as long as possible before they foreclose on me. Or I could put up a fight.
I chose to fight.
To be honest, when I started this journey, I was just as ignorant as everyone else who was in going through a default. I borrowed the money. Now, for one reason or another, I can’t pay my mortgage. So, I was lead to believe that the bank was entitled to foreclose on my houses and repossess them.
I was wrong.
It was at that time that I started learning about bank fraud. At first, I was skeptical but I kept an open mind. As I dug deeper into this issue, it became clear that there was more than meets the eye. I started reading more and more instances of homeowners winning in court against banks. In fact, I discovered that banks have sold mortgages onto Wall Street as what’s called “mortgage backed securities” (MBS). At first, I did not know what that meant. My thoughts were, “so what?”
As I studied this issue deeper, I came to realize that banks were actually committing some very clever schemes to steal people’s home without the proper “Standing” to do so.
You see, once a bank have sold a promissory note as a MBS, it no longer owns the note. And if it does not own the note, it does not have the right (or Standing) to foreclose.
But they do this every single day, because they rely on our ignorance. They rely on your ignorance. They rely on the judge’s ignorance and they even rely on their own lawyer’s ignorance to pull this scheme off.
On one side, we have a growing population of people living in tent cities without running water, without toilets or other things you and I take for granted.
At the other end of the spectrum, we have bank executives getting multi-million dollar bonuses for how quickly they can foreclose people’s homes (without having any actual legal authority to do so).
Not only that, these bank executives have received TRILLIONS of taxpayer money from TARP (the Troubled Asset Relief Program) to pretty much do as they see fit. You know, buy up smaller banks, buy executive jets, go to the Bahamas for exotic retreats and other wonderful ways to spend the handouts from our government.
This got me mad.
But most frustrating of all, I discovered that as a homeowner, my choices were very limited.
Firstly, even if I took the time to learn about this fraud, so what? How does this have to do with me saving my houses from foreclosure? I am not a lawyer. I am too poor to afford one, and even if I had $25,000 to retain one, there was no assurance of success. (Access to the law is no longer affordable to the common man).
Secondly, I don’t know enough about the law to put up a viable defense. I’m just your average computer geek. I don’t know anything about the law. I don’t have the time or the mental energy to learn to be a lawyer to put up a defense.
Thirdly, there was very limited information available for homeowners to learn about this stuff. Even if one has the time, it would take a full time occupation to figure all this stuff out at the best of times (ie. When one is not suffering from crippling depression when one’s world is falling apart).
Fourthly, very few attorneys even know about this stuff. There wasn’t really anyone I could go to to learn this information.
The odds were just stacked against me.
Faced with insurmountable adversity, I was faced with a decision: To give up or to go down fighting.
My father told me a story about how Japan won so many battles in Asia (they took over almost all of Asia before America dropped the bombs). He said that unlike other armies, the Japanese doctrine was “death before dishonor”. The concept of surrender or retreat was the lowest of shame for a Japanese soldier. When they landed their troops into a battle, the Japanese would tell their soldiers that the only way they would go home was to either win, or return in a body bag. There was no retreat. As a result, the Japanese soldiers fought like their lives depended on it, because it literally was.
For me, this was the doctrine in which I lived my life. I either succeed in what I do or I die trying. As Master Yoda said in “The Empire Strikes Back”, “do or do not, there is a try.”
So, study I did.
I committed to doing whatever it takes to put up a fight and win.
I started to challenge the bank using the processes outlined in this book, and to cut a long story short, I managed to compel the bank to issue a Rescission of the Notice of Default on my property.
Essentially, this means that the bank can not foreclose on my house and it is currently in limbo.
As of the time of writing, I am in the process of filing a civil action called a “Quiet Title Action” to remove the lien on the house. You can read more about the progress of this on my website at www.consumerdefenseprograms.com.
As I learned more about this subject, it occurred to me that millions of other people around the world were going through the same problems I was going through. The biggest issue faced by distressed homeowners was that there was no easy to understand, easy to follow materials available to the average homeowner to put up a fight against lender fraud.
With this in mind, I put together a blog online to help homeowners. All the sudden, my site got bombarded with so many people wanting to know more about what I’ve discovered. Everyone started to ask me questions; everyone wanted me to help them with their situation.
I quickly realized there were a number of problems with this situation.
- I barely have enough headspace to deal with my own problems, let alone other people’s.
- If I answered people’s questions openly, the BAR Association would love to put a stop to this by accusing me of “practicing law”. (Competition is bad for business after all.)
- Helping people takes time, and everyone’s situation was different. I only have a limited amount of time in the day. I barely had time to pee, let alone help other people.
- Helping people for free full time means I cannot spend that time to make a living for myself. It is a full time job just to keep up with all the research and reading to understand the strategies of foreclosure defense.
With these problems in mind, I decided to write this book. My goal is to give homeowners an easy to understand resource so that you can quickly grasp how the fraud is being perpetrated. Once they understand the fraud, to then teach them how to articulate a viable defense. I’ve written this book so that anyone can put together a viable strategy to defend their home from lender fraud and so they can keep their home for as long as possible.
Unlike other books, this book is written in a conversational tone using lots of stories and analogies so everyone can understand. I believe that often “less is more” when it comes to information. While other books are hundreds of pages long, this book by comparison is rather small. Too much information leads to overwhelm and “paralysis by analysis”. My goal is to make this handbook be a practical guide with real practical steps you can do right now to save your home, yet be easy enough to digest in one evening’s reading.
Please keep in mind, this whole scheme was created by the brightest minds in the banking industry. This is something banks don’t want the public to know. They have gone to great lengths to make sure people like you don’t know about their schemes. Court cases have been settled with conditions of a gag order are being done on a regular basis. In one instance, an expert witness I’ve interviewed have had his life threatened by banksters for the information he knows.
The information presented in this book is highly controversial. I truly believe that I am writing this book at great risk to my own personal safety. Thanks to the power of the Internet, my hope is that once this book is in the hands of enough people, that the banks will not feel the need to “silence me”.
I’ve always been inspired by the story of Jesus. In particular, his bravery for doing what’s right in the face of overwhelming adversity. Jesus was arrested for talking against the rabbis and was condemned to death. His jailer knew that Jesus was a good man and did not want to see him dead. The jailer deliberately left Jesus’ jail door open and made arrangements for Jesus to easily escape. Instead of running away, Jesus stayed in his cell and ended up dying on the Cross.
This is true bravery.
While I don’t want to be a martyr, I do feel strongly about helping homeowners despite the dangers to myself.
If you are facing foreclosure and want an easy to read, and easy to understand guide to help you stay in your home, then this book is for you. Too often, one has to wade through thousands and thousands of pages of information to get a basic understanding of what’s going on. This type of information is often written in legalese (by lawyers for lawyers) and is ladened with double talk jargon that it is hard for the average person to comprehend.
I hope you will join me in standing up against injustice and bank corruption. And if this book makes a difference in your life, please “pay it forward”. Please tell others about it.
Vince Khan
We respect your privacy and will not reveal your information to anyone for any reason.
about 3 days ago
I,m ready to start my defense, I want to talk to some one that ordered an audit securitization here in Florida and has used the securitization audit in the court?
How was the experience? what the judge said about it?
are you still in the property
thank you
about 3 weeks ago
I WROTE AFEW DAYS AGO ABOUT A PAYMENT MIXUP IT WAS POSTED AND NOW IS GONE WITHOUT AN ANSWER. PLEASE SEND ME A RESPONSE ASAP YOU HAVE BEEN GETTING TWO PAYMENTS A MONTH INSTED OF ONE. I MAY NEED TO SETUP A NEW PAYPAL ACCOUNT.
about 3 weeks ago
I apologize for the inconvenience. I’ve responded to your concern but didn’t get your reply on my emails. I have sent you link to resume membership also. Please email us at info@consumerdefenseprograms.com
about 1 month ago
Thanx, I needed this info in 1997. There are friends thaT NEED THIS yesterday.
about 1 month ago
If you have decided to take the red pill and get out of the Matrix this book provides much needed info on saving your home as well as getting you started on finding out who you are and the power that you have.
about 2 months ago
I’ve been studying foreclosure since the 1980s, and I’ve NEVER seen anything like this. This is far superior to anything out there!
about 2 months ago
Hi,
Thank you. I really enjoyed reading the book. I wonder, though, about the Reconveyance Method/Strategy. Isn’t it the law that upon a valid assignment, the assignee steps into the shoes of the assignor? If so, the borrower would need to make payments to the assignee; the debt would not be extinguished.
Your thoughts?
z
about 3 months ago
Hey Vance, Downloaded your book and immediately passed it on to my son. Think we will save his house after months of trying to get his BofA loan modified.
By the way I am an award winning Documentarian and have never shied away from disturbing subjects, so when you are ready to make the documentary, let’s talk!
Elizabeth Baker
about 3 months ago
Hey, Vance, I got it and passed it on to both my sons, and we are taking action. This is going to save my son’s home, because now, with this knowledge, I am convinced that BofA will finally modify his loan.
Thank you so much, and we will let you know how it turns out.
I am an award winning documentarian by the way, and have never shied away from disturbing subjects, so when you are ready to make the documentary let’s talk!
Elizabeth Baker
about 4 months ago
thank you very much for providing me with a piece of great work, it sertainly deserves my highest compliments. You have certainly attained analitical skills and reasoning power in the heart of that particular subject. I am 67 years young, I have been researching law for many years and it has become easy to distinguish which of us are in the major league, you are there. Deceit in any form is nothing but a lie, but the truth always agrees with the final reality.
Thank you very much and God bless you
Louie
about 5 months ago
What is the email address to find out if Freddie Mac, Fannie Mae, or Mers has possession of mortgage. Thank you!
Leonard
about 5 months ago
What you are looking for is a Securitization audit. For more info come to http://www.consumerdefenseprograms.com/coaching-program/securitization-audit/
Thank you.
about 5 months ago
Hi Vince, I have tried replying to your emails but I have received no response from you. I downloaded & read your book, I have passed your website along to everyone I know plus listed it on my FB page, so that others can learn from this also. I thank you for your honesty in helping all of us. My situation is such by this point that I cannot even afford the fee to become a member, I have been foreclosed on, it happened during my bankruptcy earlier this year. Unfortunately, I did not know then what I know now, so bankruptcy is obviously not going to be a means to stop my foreclosure. I cannot afford an attorney, as I have been unemployed for quite awhile now. I only have one question that I need an answer to so that I know whether or not to even try to fight the sale of my home on Jan 4th of 2011. I was given a mortgage mod by wells fargo at the beginning of this year, but because of circumstances beyond my control, my source of income/job dried up & since May I have not been able to make my mortgage payments. My question is, since I am pretty sure that wells fargo sold my mortgage, now that I have signed up for the mortgage modification & have been granted it, how can fight or stall this foreclosure until I am on my feet again? If I just had the mortgage to catch up with , it would be one thing, but with the legal fees & trustees fees, the total ‘cure’ for the debt is now doubled… I feel like I have lied to twice by the same bank. Any suggestions? Sincerely, Penni
about 5 months ago
Hi Penni
Thank you for your support. I am sorry to hear about your situation.
It seems like your situation is quite complex and unfortunately (because of the BAR’s and the Bank’s scrutiny), we can not offer individual response to your situation. My best recommendation is for you to join Prepaid Legal and perhaps discuss with an attorney from Prepaid to see if there is something you can do through them. Prepaid is only $16/month.
The other alternative is to just accept the loan mod offer if it is something you can live with.
Good luck.
about 5 months ago
business is not booming anymore and the world needs better economy
about 5 months ago
Thank you for your very eye-opening, very informative book.I am being given the run around with Chase about my loan modification. I am getting no where, they do not know what they are doing. I got your book and boy did it opened my eyes, my question is, the only way to win against them is to do an audit and sue the bank for a better modification even though they may not own the note and probably already got paid for my loan? I already send the loan mod package 5 times, do I need to keep sending them all my info and getting no where? I am tired of sending everything and authorizing them to see my 4506 and they are not even looking at them, because I have proof they are not looking at my paperwork.
about 5 months ago
M Ali
We recommend that you continue to work with your “lender”….even if it is getting no where. This will show a pattern and practice that the “lender” has no ability nor interest in giving you a loan modification…especially if you can prove that you qualify for one. Look under the HAMP guidelines to see if you do.
Many homeowners have use this as a cause of action to sue their lender for breach of contract and false representation.
Good luck.
about 5 months ago
Where do you have anyone having rescinded all rights and interests other than Vince? Show me the proof this works. The rescission is only valid if the bank does the rescission.
about 5 months ago
Vince, would I have a chance to fight the foreclosure summon doing it myself and get it stop and challenge the bank to prove their case just as if I hire and attorney to do it? Would the court and lender pay the same attention to my own response just like they would do with the attorney?
about 5 months ago
Sheila
If you are willing to invest in the time to learn the rules of court and the legal arguments, and feel that you can go to court to argue your points, then you should be able to do this yourself in pro se. Obviously, doing it yourself means you will save a lot of money.
If you can afford an attorney, I would recommend that you do that. That will almost always be a better option. Frankly, many opposing counsel do not respect you as a pro se and often seek to bury you in motions to frustrate and confuse you in the hopes that you would give up. This sadly has been their winning strategy.
If you are looking for an attorney, come look at: http://www.consumerdefenseprograms.com/resources/lawyers-who-gets-it/
about 5 months ago
My name is Sheila:
I got serve a court summon to reply by Dec 2nd 2011 and I have called attorneys to help me with the response, but they want to charge and arm and a leg for it. I have Chase and they are using Shapiro and Fishman who are mills and are under investigation for Foreclosure fraud. I want to challenge the summon and request that Chase prove everything they are stating. I do not want to agree to any of their requirements until they show proof of their files. I want the foreclosure dismiss, I will not agree to a loan modification anymore with them since they are giving me the run around and I believe they do not have authority to do so. I will be ordering an Audit, but first I have to answer this summon. Can you tell me if your foreclosure defense program can help me with this, are the attorneys the ones doing the response or I have to do it myself? Please help, I am against the time. Thank you
about 5 months ago
Sheila
If you are in a judicial foreclosure proceeding, we have a template for a motion to dismiss for lack of standing in our members area. This is especially powerful when you combine this with the MSI Securitization audit. Look for “012-Judicial State Response” in the Documents in Module 1 in the members area. This can be done pro se…but should you wish to retain an attorney, you can.
Be sure to go to Resources/Attorneys Who “Gets it” on our site if you wish to retain an attorney.
about 6 months ago
Hi VIince khan,
I receive your reply back through my email and I read your book…very good information I needed to know. The $299.00 fee of foreclosure help does this include books, tapes and the sample letters to stop my foreclosure on my property. Also, does this include any verabal communication from you? How do I get access to all this information that I need right now.
Please contact me at 818.581.6875 or email at : wsmarmortgage@yahoo.com.
Thank you very much,
Larry Morris
about 6 months ago
Yes Larry. You will get all access to the documents and references used in the coaching program. You can talk to Vince also every conference calls.
For more info, please come here.
http://www.consumerdefenseprograms.com/foreclosure/foreclosuredefense-2/
about 6 months ago
I am being given the run around with Chase about my loan modification. I am getting no where, they do not know what they are doing. I got your book and boy did it opened my eyes, my question is, the only way to win against them is to do an audit and sue the bank for a better modification even though they may not own the note and probably already got paid for my loan? I already send the loan mod package 5 times, do I need to keep sending them all my info and getting no where? I am tired of sending everything and authorizing them to see my 4506 and they are not even looking at them, because I have proof they are not looking at my paperwork. I am telling others about your site and your book so they are not victims either. Please advice and thank you so much for everything.
about 6 months ago
Sheila
Please consider discussing this with an attorney who knows foreclosure defense. People in your situation are having a lot of successes beating up these banks if they can prove that these banks a) do not have the authority, ability nor interest to provide you a loan mod (this goes under fraud in the misrepresentation). If you can also show a pattern and practice for deceit, this can result in punitive damages.
Please take a look at the following lawyers that understand loan fraud arguments: http://www.consumerdefenseprograms.com/resources/lawyers-who-gets-it/
Thank you for your support.
about 6 months ago
hi
is there any cases won in the state of california as far as the BK process or any of the processes that you offer.
i did view the case in OREGON, really want to know if cases in CA has been won
thank you so much
elesi
about 6 months ago
Elesi
There are lot’s of wins in CA in Bankruptcy Court. That’s where most of the wins come from.
about 7 months ago
hello
My name is elesi, i have been going through this for the 4 years. trying to learning myself, i am in a cituation on my home now i will be locked out on friday the 21st of oct. i am really asking if there something that can be done any, IS THE RESCISSION TIME OVER. I PLAN TO FILE BK 13 TO STOP LOCK OUT BUT THAT IS ALL THAT I AM ABLE TO DO if there is an att that can help with securitization audit and defense in bk court with it pls advise.
thank you so much for your efforts
elesi
about 6 months ago
Elesi
It looks like you have a pretty complex situation here. If you are looking to file BK, then we recommend either talking to an attorney asap or use our BK filing assistance service. It looks like you have some strong evidence of movement which makes it hard for the “lender” to prove Standing in bankruptcy court…..but please talk to your attorney about this. Tell them about Federal Rules of BK 3001(d).
Good luck.
about 8 months ago
Vince- downloaded your book, read it all as soon as I got! It is exactly what I needed! Excellent info! I can’t thank you enough for the work you have done & are doing for folks like me, American homeowners who are being robbed! I got a notice from a Tampa foreclosure mill & I will answer his letter armed with the info I needed. Looking for Lis Pendants very soon. I am ready for it! Thanks again for the book! read your website every day along with some others.
about 8 months ago
I have talked to 3 differant lawyers since reading this they dont seem t0o know a thing about this or they playing dumb with me?
about 9 months ago
Hi,
Just wanted to thank you from the bottom of my heart. I think you are the only people on the internet who understand that people in our predicament cannot afford a lawyer or anything that requires a sum of money for the help we need. I searched hours before I found your site and was almost taken by others who wanted so quickly to swindle me out of $2000.00 You are the example of the kind of people we need in politics instead of the selfish “you know what’s”
that are in there and doing nothing to help the American people. I know I speak for many when I say how much your service is appreciated and I’m confident that you will be blessed for your selfless efforts.
Thank you! Thank you! Thank you again!!!!
Kathryn
about 9 months ago
Hello Vince,
I wasted thousands of $$ on attorney fees to save my home, this law firm put me in Chapter 11 then took off with my money, now I am on my own to handle the BK all by myself without legal counsel. Few attorneys warned me that 9 out of 10 CH 11 case will be dismissed so would mine, therefore I am not going to hire a BK attorney and thinking of sue the bank in Pro Per(I am in California). I was about to send in the retainer fee to this CPAC Non Profit Law Clinic in Santa Ana, CA who claimed their successful rate is almost 100% when is come to loan mod by using the thread tactic just like your book have mentioned, but my friend who is suing Wells Fargo send me your website with the free ebook, I am now wondering if my case is too far gone to do a Pro Per because I am 18months behind mortgage with Chase denied my loan mod many times plus filed the foreclosure twice one in Nov, 2010 and May 2011. I know I have to do something quick before the BK judge dismiss my case anytime soon. I called the UFAN and left a message, I hope I will hear any advice or comments from you soon or even just pray for me that God will send me to the place to get help. Thanks! OLiza
about 8 months ago
Oliza
Thank you for your kind support.
I don’t know what your situation is, but if you can stay in your BK…and file an adversary proceeding to challenge your “lender” for proof of claim under Federal Rules of Bankruptcy 3001(d) then that would be the best strategy….and save you the most money.
Even if you have to beg, borrow or steal. Especially in CA, fighting foreclosure in BK is your best bet of winning.
Good luck.
Ps. We have a template in our membership program that shows you how to file an adversary proceeding (in Module 0)
about 9 months ago
Well yesterday I got a “Recission of default and election to sell” the actual default was filed in July of 2008. I sent in a certified letter to the so called lender requesting my loan docs and other items(qwr) right after I get this recission notice. Since 2008 I have been going through one loan mod scam after another. I read your book ( love it by the way) and for now have sucessfully stopped the foreclosure. My question now is what portion of your membership would be helpful for me now that the foreclosure was resinded? Thanks! Gina
about 8 months ago
Congratulations Regina
To answer your question…”all of it”. You have received a temporary reprieve. Don’t sit on your ass and wait for these thieves to come at you. Gather your evidence and put up a fight.
It’s like in that movie “The Magnificent 7″..where the villages learned to fight, building traps against those bandits. This is what we teach our homeowners to do….put up a fight.
Good luck.
about 9 months ago
Just finished it – great book, I knew these banks were operating in a criminal fashion. Thanks for posting your research this way. I am using it to compile a foreclosure defense right now. I know several people who would be interested in this information — thanks
about 9 months ago
The proof is in the pudding. It’s obvious a tremendous amount of work was put into this handbook. I am going to try to execute what it says..by the way you can go to Freddie Mac and fannie Mae and put in your address and they will tell you if they own the loan. They also have a section to see if your loan was securitized but you need the NOTE with the CUSPID and some other numbers which I don’t have!! So I’m going to try to get it this week. Will let you know how this goes. I have been dealing with the justic system on my own through a divorce for three years- JUDGES ARE IDIOTS at the Common Pleas level for the most part..so try to bypass them and get to Superior court. I live in a Judicial State (Pennsylvania) THE BIGGEST OBSTACLE YOU WILL CONFRONT IS PRO SE DISCRIMINATION (i.e. self-representation)- THEY HATE IT BECAUSE YOU ARE GETTING AROUND THE SYSTEM AND INTERFERING WITH THE COMMERCE OF THE BAR ASSOCIATION- JUDGES ARE LAWYERS WHO WANT YOU TO CONTRIBUTE TO THE COMMERCE OF THE LEGAL PROFESSION THAT STILL SUPPORTS THEM ONE WAY OR THE OTHER!!
about 9 months ago
great work! thanks for all the info!
about 9 months ago
Read your book in two days. Excellent overview of the mess created by the banks, title companies, and Freddie Mac and Fannie Mae. Thanks to our esteemed government leaders for their ever increasing thirst for more tax revenue. They created this disaster with the goal of putting more people in homes to collect more tax revenue. Now it has back-fired. Thanks for taking the risk to be a beacon of light and truth during this dark period of American history!
about 9 months ago
is there a difference between the “handbook” and the “guidebook”?
about 9 months ago
The Guidebook is the physical book sold on Amazon.
about 9 months ago
Vince,
Thank you for your very eye-opening, very informative book. Today we are sending out our demand letter to the bank!
We are not sure how to handle the second mtg.. Is this an independent note? Should it be addressed desperately?
Thanks again, Julia
about 9 months ago
Julia
The second is treated just the same as the first. It is a separate loan.
about 9 months ago
I’ve perused hundreds of sites, downloaded and read hundreds of articles/docs etc. Saved 500+ links and 500+ docs to re-read, save for reference, and study. Vince’s ebook will save you hindreds of hours of reading.
Thank you so much Vince. It’s folks like you that help to keep this messed-up world from crash and burn. Your generosity is awesome to say the least.
about 9 months ago
I am looking to apply this information in a proactive sense and put use to foreclosures that other people allowed to be stolen from them. I think that would be a great addendum. Some good info thought thanks
about 9 months ago
Just getting into the book and it is so right and they are so wrong.
about 9 months ago
I’m almost finished with the book. It is very informative. I am considering another option rather than suing the debt collector since I’m in a notice ot intent to accellarate status. A company Bella Homes LLC , states that they will purchase the home from me and lease it back to me while they purchase the property from the lender and once they purchase it will file a quiet title claim to remove all liens and then I have a written contract to buy it back from them for 90% of the current market value. Are you familiar with this option? I do not see any legal loopholes, although I am not a lawyer. However, I do note that they have a cease and decease notice from the Atlanta Banking Board since they do not have mortgage broker license. I’d like your opinion on this.
about 9 months ago
hi
i just got your book and i need help with fighting vs the bank , i am trying to modify the loan for over 2 years with no success and i feel its time to acr vs the bank to get back my home. please reply .
thank you
about 9 months ago
GREAT BOOK! I’ve read the entire things and also gave a copy to my foreclosure defense lawyer in Tampa, FL. I believe he is one of those lawyers who gets it. The company name is Stopa Law Firm.Mark Stopa is the owner and litigator.
about 9 months ago
I have only gotten to page 39, but it is very informative. I was wondering if the same type of tactics are used on home improvement loans and regular loans?
about 9 months ago
We believe these are all the same but we recommend you do your own research to determine if your loan improvement loan has been securitized the same way.
about 9 months ago
Just finished your book and now have more ammunition to use. Was on the right track, but your book has given me even more to work with and to pass along.
Thank you so much!
about 10 months ago
Vince,
Thank you! I am empowered with this information, no longer do I feel helpless, I’ve used this with credit card debt as well. I’ve complied proof against them for two years, I’m still fighting and my case against them grows. I feel confident that at some point I’ll get relief.
The B of A transfer info. is right on time, again Thank you for being who you are and giving so much of your life to so many! I have passed this website and book to numerous friends, and I use it ALL the time.
about 9 months ago
Thank you Jodie
about 10 months ago
Vince,
Just finished the book. Better than any fiction or novel. This book belongs in heaven. Great info, easy to follow we just need the fortitude to pursue and fight the evilmongers.
ed