Bankruptcy TILA Fraud Violations, RESPA Foreclosure Help

(The following is not legal advice or meant to be utilized as legal advice) 

Bankruptcy is often used by many homeowners to stop their mortgage foreclosure in the United States. Most often bankruptcy doesn’t exactly stop the foreclosure from happening forever, it’s simply a delay tactic. Where many homeowners even after filing bankruptcy are foreclosed on and even evicted later down the road.

If homeowners and bankruptcy attorneys would get educated on TILA fraud violations and RESPA more foreclosure situations could be resolved in bankruptcy matters. What’s very sad is that many homeowners only file for bankruptcy protection because they have fallen beyond in their mortgage loan payments. Ideally, if homeowners could work out a solution before filing bankruptcy it would be in their best interest and help to prevent damaging their credit with bankruptcy that remains for 7 (seven) years on credit reports.

Bankruptcy TILA Fraud Violations, RESPA FORECLOSURE HELP 

Since most homeowners only file bankruptcy to stop foreclosure. Determining 3 things could be a game-changer in almost every bankruptcy case across the nation!

  1. Does the mortgage loan contract contain TILA fraud violations?
  2. Who really owns the mortgage loan contract?
  3.  Impact for rescinding and cancellation of the mortgage loan contract.

Attack Secured Status

11 U.S. Code § 506 – Determination of secured status

Typically, in many bankruptcy matters, the true secured creditor is the only party that can claim their secured status as a secured creditor. This is the party the homeowner is seeking bankruptcy protection from and to stop the foreclosure proceedings.

What most homeowners and bankruptcy attorneys fail to do is:

First, investigate the mortgage loan for TILA fraud violations.

What should you be looking for in the investigation?

Starting from the origination of the mortgage loan contract, determine if the TILA fraud violations occurred.

Get the most updated 2019 New Edition for Wall Street Mortgage Cancellation Secrets 2019 New Edition, everything you need to learn how to conduct a TILA fraud violations investigation in mortgage loans contract is inside.

Second, validate the debt demand that the mortgage lender proves how they are the true secured creditor.

Conduct a fraud investigation to determine if the mortgage servicer’s foreclosure documents correctly list the true secured credit “proper party” that can collect on the debt in their own name.

Almost always, this is where the flaw in the mortgage securitization can be found.

The secured creditor must be the same (exact name) party that is seeking to foreclose on the homeowner.

Here is where the switch and bait comes into play.

The party foreclosing on the homeowner is many times the mortgage loan servicer (the mortgage servicer is not the correct secured creditor) and not the secured creditor. Also, even when the party foreclosing is not the mortgage servicer, updated information for the true secured creditor is being purposely hidden.

However, using RESPA “The Real Estate Settlement Procedures Act” and knowledge of TILA fraud violations the mortgage servicer can be compelled to reveal hidden details regarding the mortgage loan contract and reveal who is currently the secured creditor

Third, Rescind and Cancellation options for TILA fraud violations.

By doctrine, fraud vitiates everything it touches.

The purpose of this information is to find a win-win strategy solution between the homeowner and the mortgage lender and mortgage servicer representing the mortgage lender.

When TILA fraud violations are brought to the attention of the mortgage lender and mortgage servicer this presents a chance to negotiate the mortgage loan contract to reduce the principal balance and offer a lower interest rate.

Be careful of important deadlines and statute of limitations when using TILA fraud violations. A common misconception is that TILA can’t be used after 3 years. This because the majority of information about TILA is very basic and does not include how fraud occurs in mortgage loan contracts.

Fraud is a reset, fraud voids absolutely everything it touches from the very beginning.

Hurry order Mortgage Cancellation Secrets Forms, this system has everything needed to rescind and cancel mortgage loan contracts for TILA fraud violations. 

Using the techniques in this system learn insider information to work out a better deal with mortgage lenders.

RESPA As New York Foreclosure Defense

(The following is not legal advice or intended to be used as legal advice.) 

RESPA can be a powerful New York Foreclosure defense. The problem is “how to avoid being labeled a deadbeat” among New York residents who just seriously don’t want to pay their mortgage notes. It seems some bad apples are causing others to suffer.

Ask any ethical homeowner, if their “mortgage lender restructured payments that made the monthly loan payments much more affordable or maybe also included reducing the principal balance, would they jump on accepting such an amazing offer?”

Likely, the answer to that question would be “heck, YES!” and their mortgage foreclosure problems could be resolved in an instant. Ideally, most homeowners do understand that they did take out a mortgage loan. When the mortgage lender can’t prove how they themselves hold enforceable security interest for the mortgage loan, then it makes perfect sense to modify the mortgage loan under better terms and to assist the homeowner with deferring the mortgage loan payments until the homeowner is able to make regular mortgage payments again.

This is the big problem or lack of communications between mortgage loan servicers and homeowners in danger of foreclosure. In the mix is a large number of homeowners in New York that just don’t want to pay for their mortgage loans. They have this theory of Free and Clear, feeling entitled to never pay for a mortgage loan. All with the misconception that the lender committed fraud and that is the main reason to never have to pay.

So, for the ethical homeowner caught in the middle, wanting to resolve their foreclosure situation what should you do??

A major problem is that the state of New York has a new foreclosure crisis where mortgage servicers are unable to resolve:

  1.  Foreclose on serious delinquent properties past due 5 years or more.
  2. Tied up in legal battles with serious delinquent properties past due 5 years or more.

This problem stretches far beyond deadbeats who don’t want to pay their mortgages. These homeowners are also profiting from the properties that they are not paying mortgages on with businesses or as rental properties that are also seriously delinquent. It’s ugly,

Wall Street Mortgage Cancellation Secrets was written to help homeowners wanting to work out a better solution over a foreclosure or when a loan modification is denied.

It was never intended for deadbeat homeowners to use knowledge as an abusive practice to never pay their mortgage lender or resolve their foreclosure situation. However, many homeowners in the New York area have found a loophole for using RESPA secrets and have abused the system.

What can a homeowner do to not get caught in the middle of deadbeat homeowners trying hard to game the system and never pay their mortgage loans in default status past 5 years or more?

RESPA is a secret weapon to find out important details about your mortgage loan that servicers don’t want you to know. In a pre-foreclosure situation in New York, the homeowner must receive a notice of the delinquency.

There is a 2009 statue that compels mortgage servicers to provide homeowners with pre-foreclosure notice of delinquency. It is also the discretion of the mortgage servicer to not file a formal default notice regarding the delinquency before beginning foreclosure proceedings.

Alarming, there are many foreclosures in limbo in New York and mortgage servicers have not foreclosed on serious delinquent mortgage loans 5 years or more past due. In some situations, many of these properties have not been foreclosed in more than 8 years with serious delinquency of nonpayment.

A primary issue with many securitized mortgage loans is paperwork mishaps, where the lenders can’t exactly prove or show ownership because of improper transfers.

Identifying TILA fraud violations is the ultimate solution to use RESPA in New York foreclosure matters.

Lenders can be more willing to resolve foreclosure matters when homeowners present issues with TILA fraud violations. Especially, through the use of RESPA with a properly written qualified written request.

Many foreclosures are sitting in New York, the best time is now to resolve foreclosure situations. Work out a solution with your mortgage lender. Stop worrying about avoiding foreclosure notices and eviction after foreclosure. Be smart, you don’t have to pay a company thousands of dollars. Educate yourself on RESPA and TILA fraud violations. Learn expert secrets to work out a better deal with your mortgage lender!

Order Mortgage Cancellation Secrets Forms 


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