Wrongful Foreclosure Module 1

Before going into the detail of the program, the most important questions you need to ask yourself is this:

a) Do I have what it takes to do this on my own?

b) Should I retain a lawyer?

c) Am I committed to doing anything and everything it takes to keep my home from those who want to steal it?

Understanding the big “Why?” is an important part of harnessing the power to be motivated during these very desperate and depressing times.  Are you willing to fight so that your family can stay in their home?  This is perhaps the toughest struggle you’ve ever had to deal with…and it is not for the light of heard.

Do you need a lawyer?  I highly recommend it!  Our network is designed to support homeowners put up a fight.  I am here to help you defend your home and do it in as cost effective and energy efficient maner possible.

If you can not afford to hire an attorney..then just continue with the modules.

However, if you feel that you need to get the assistance of an attorney, then we can help.  We’ve found a FANTASTIC attorney network who understands foreclosure defense…who is able to represent you affordable…AND through a payment plan.  We’ve also negotiated a significant discount for you because you are a member of Consumer Defense Programs.

DOWNLOAD DOCUMENTS

Here are the documents in my kit.  Please download, and review them.

It is important that you get up to speed on knowing the arguments and the process. We’ve created a 4 hour video series that walks you through the process of understanding the nature of bank fraud in greater depth. Please, spend the time to watch these videos now. The more you learn this stuff, the more you can internalize this information and own it as yours. It is important that you know this information back to front so you can articulate and defend yourself. The last thing you want to do is to appear like a fool in court and have the opposing side eat you alive.

Confidence is gained from education and knowledge. Please, commit to spending a few minutes a day to watch this series. It is VERY important and is part of your education.

Tomorrow, I will send you the next module on sending in your first letter to the bank.

If you have recently lost your house in a foreclosure trustee sale or judgement, but are still in your home then you need to file for a Temporary Restraining Order.

Fill out the files called:

06 Motion for TRO.doc
006a-Order for TRO.doc
006b Shortening Time Motion and Order.doc
006c-Affidavit of Truth.doc

Obviously, these are just templates. YOU MUST CAREFULLY READ AND BUILD YOUR OWN ARGUMENTS on the reason why the court must grant you an injunction.

The Motion to shorten time is so that you can have an emergency hearing with the Judge so he can hear your case.

You should fill out the Affidavit of Truth with facts that you know. THIS IS ONLY A TEMPLATE. Enclose this when you file for the TRO as the affidavit supports your statements in the TRO.

The Rules are:

With every Motion, there must be an Order.

What you send to the other side, you must send to the Court.

Before you can file for a TRO, you should have your Wrongful Foreclosure Action filed. This gives the basis for the merits of your case before the injunction may be granted.

So yes, this is a lot of work. But this is what must be done for you to be able to legally stay in the house. Otherwise, you will be forced out by the sheriff.

Recently, the Comptroller of the Currency issued a Stop order fro all of the top 14 servicers from foreclosing until they have undergone a review of their foreclosure procedure AND all future foreclosures have to verified by an independent third party. I have included this report in the Reference file (found in Module 1) under: Banks Consent orders
Take a look at this. Find your servicer listed here (if you can). Then be sure to enter this as evidence to your case (whether to have the case dismissed in a Judicial process) or filing a quiet title in a non-Judicial process to stop the foreclosure.
Let the judge know that there’s a stop order in place by the agency that controls banking. And that your “lender” is breaking the law.
Be sure to include this report as part of your TRO.

1) Take a Deep Breath. Treat this like a game. Take the fear, nervousness and uncertainty out of this. You are dealing with drones. You’ve got the odds stacked on your side.

2) Be sure to keep a journal of everything that’s going on. When you sent what, when you did what. This is VERY VERY IMPORTANT. 6 months from now, if you need to go to court, this will save your ass.

3) IMPORTANT: Register yourself in the local meet up directory. You need friends you can hook up with to discuss ideas/problems with. https://www.consumerdefenseprograms.com/resources/local-meet-ups/

This is perhaps the most important thing you could do today. Seriously. We’ve been doing this a while now, so we kinda know what we’re talking about. This is as much about information as well as providing support. We all need someone’s shoulder to cry on during tough times.

Over the coming weeks, you will be exposed to many challenges. You will have questions. You will want someone to bounce ideas with. Someone to discuss strategies with. This is where our registry becomes a major asset. Remember, you joined a membership club. This is one of the most important benefits of your membership.

A few weeks from now, you will likely be suing your lender. You may receive letters from your lender or their banks. Where do you go once the bank responds? What do you do? The answer is, you go to your support network. Find a “study buddy”. Hook up. We’re all in it together. We’re all here to help each other.

Provide your phone and email address, as well as the city you live in, in the members directory under the comments section. Then, find a few people on the list and connect with them via email. You will find our members very helpful.

4) Watch the bonus Foreclosure Defense Video Series.

5) Download the Documents and Reference Files (and look at them)

6) Review the following documents:

000-Process Map
000-READ ME FIRST
000-The Syllabus Schedule

The Process Map is very important. It shows you how everything fits together.

The READ ME FIRST file is also very important. It tells you what each file in the Document kit is, and how to use them. This is also our version control document. We regularly update our documents.

The Syllabus Schedule will show you the outline of the various modules, what they will cover and when.

8) Gather information as outlined in 001-Things to Gather.doc.

Should you need to contact any assistance, just email us at info@consumerdefenseprograms.com. However, we can not and will not review your documents and “give you our blessing”.

Contact info@consumerdefenseprograms.com if you need to adjust the module release dates. Check with the Syllabus and let our administrator know which module you would like us to jump to (or roll back from).