DIRTY DEEDS DONE DIRT CHEAP: The Successor Trustee & Non-Judicial Mortgage Fraud5 min read
“Pick up the phone, I’m here alone, Or make a social call
I’m always home. Call me any time.
Just ring 362-436-####
I lead a life of crime
Dirty Deeds Done Dirt Cheap!
Dirty Deeds and They’re Done Dirt Cheap!”
-Rock Band, AC/DC
This article has been inspired by the six foreclosure mill law firm appointees Successor Trustees which were granted by foreclosing parties in Missouri which is a non-judicial foreclosure state. These successor trustees received these appointments from fictitious foreclosing parties to fraudulently foreclose and evict 14,400 families, in Jackson County Missouri alone, each year for the last five years.
Jackson County is a medium-sized county in the United States.
This is the largest Ponzi scheme the world will ever know. The number of parties which are co-conspirators in some way is legion. Yes, it is a conspiracy, of that there is no doubt.
BUT REMEMBER, THAT THE FACT THAT YOU ARE PARANOID DOES NOT ELIMINATE THE POSSIBILITY THAT SOMEONE IS OUT TO GET YOU!
OK, I have just had it. I am right. You can’t work on one subject for 6 years, 7 days a week and not understand the material. I am likely no genius, but I have often been told that I am very smart. Very smart? I don’t know about that, but I am right about all of this.
There really have been over 20 million criminal foreclosures in the U.S. during the last 15 years. There are about 3 people per family, so that comes to 60 million American refugees forced from their homes with the stupidest, yet successful, Ponzi scheme of all time. Each and every wrongful and illegal non-judicial foreclosure has been allowed by our U.S. Congress, the DOJ, and the U.S. Court system.
I am not seeing this real scoop anywhere on the internet. We have a bunch of attorneys with websites spewing out information meant to convince you that they are very smart and they can sell ads in the blank spots on their website if you visit it. But, do you really care about the latest big ruling where the Borrower almost wins? Of course not, you want to know how to save your house. Or, if you are a true intellectual you want to know how to save your country.
Here is the real deal. In a judicial foreclosure state there is a normal home loan which include the logical two the parties, a borrower and a lender who have a home loan contract. One to loan some money to the other who wants to borrow some money to buy a house, preferably while are they are still less than 60 years old.
These are the Judicial foreclosure states:
Connecticut, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, New Jersey, New Mexico*, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Vermont, and Wisconsin
The foreclosing party must file a lawsuit that is between the two parties, the Borrower and the Lender. Since this happens in the court it is the most fair of the two, but unless good men and women do the right thing evil will still win
But, over the years, the fellows known around town as “bankers” went around visiting with the folks we voted to represent us in our state legislatures called “attorneys”. The bankers convinced the attorneys (I know it sounds backwards, but it is true) that they needed the ability to more quickly foreclose on borrowers.
In 26 of the 50 states they agreed to create the system of Non-Judicial Foreclosures.
I am not making this up. I know that the hyphenated word Non-Judicial appears to many, myself included, to mean that the Borrower signed something that seemed to take away his constitutional right to the Due Process Clause. (We can work with it, but you really need to study this) It didn’t, but it made it much harder to win wrongful foreclosure cases fairly.
The Due Process Clause comes from the 5th and 14th amendment as the “RIGHT TO BE HEARD”. Now this has mixed up a lot of judges. Some because the don’t read or watch TV. Some because they aren’t smart enough to understand the constitution. Some because they are just bad people.
But don’t believe judges are all bad. Because there are many judges who are getting it correctly. There are fine men and women with very intelligent minds ruling with the borrowers.
Although, I have been unlucky enough to have not run into them much.
But, anyway. In a non-judicial state the party wanting to foreclose is claiming that he:
1. has the right to collect money from you,
2. can declare that you have defaulted if you don’t pay him the money you don’t owe and
3. has the right to foreclose on you out on the court sidewalk out of sight of any court and get a deed to your house. It is not a very strong deed, more like a lien on your title, but it can get you evicted although you still have the right to sue to get it back (unbelievable right?)
In the Non-Judicial foreclosure states the foreclosing parties have used the strategy of chaos and anarchy to pass laws that really just don’t make any sense.
The non-judicial foreclosure states are:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Idaho, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Carolina, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming
In a non-judicial foreclosure state there are 3 parties to a home loan. A borrower, A lender, and a Trustee who is holding the home loan for the borrower and the lender. This is like in a horse race.
The borrower can still win in these states, but it is much more difficult than in judicial foreclosure states where the foreclosing party must file a normal lawsuit and the borrower has a more fair way win before a judge, or the borrower can demand a jury trial. This is becoming a very popular strategy in all states.