Source: https://livinglies.me/foreclosure-defense-forms/people-players-and-resources/state-laws/michigan-laws/
Timestamp: 2019-04-20 02:43:32+00:00

Document:
No attempts to palm-off any enthusiastic OPINIONS because, they don’t matter.
No selling of any legal documents or meaningless letters.
No laymen’s doing ‘Perry Mason’ impersonations. They have Emmy Awards for that.
No drawn out, back and forth POSTs of sentiment and long unnecessary conversations because, that won’t save your home.
We are with the Home Owner for the full term of their foreclosure situation… For a negotiable 1 time fee and a fixed commission upon victory; we are with the Home Owners and provide our services, for the FULL DURATION of the foreclosure… Regardless of the time it takes to win (4 months or 4 years).
We provide Full Securitization Reports and all PSA related materials at, no additional charge.
Long and short… I came out of the world of Secondary Markets which, everyone fighting foreclosures would need to eventually enter, in order to have any chance of winning (we know where the bodies are, so to speak or, at least how to find them).
Contact us, should you need assistance at winning your case because, we have WINS (plural).
, __ Mich App __, __; __ NW2d __ (2014), slip op at 4.
It seems that Mich COA still finds “a loop hole” so as to make its decision go against the homeowners. (If not it’s going to make one, see Residential Funding) I spoke with a Mich App Attorney and he said that even if the COA made a mistake in interpreting the CA6 decision a homeowner cannot go back and question its ruling because of the “finality” rule. Is that true Neil?
challenge a foreclosure sale. Bryan, 304 Mich App at 713-714.
The caveat is, even if you filed a complaint prior to the expiration of the redemption period, COA will insist that you lack standing simply because the redemption period expired before the courts have even heard the case. Although there’s a CA6 case or fed district case that says otherwise. (I have to look for it.) So moving forward for homeowners that are still in the process of filing a complaint please be sure you adhere to the new standard as imposed by the COA and force the courts to hear it right away. Better said than done of course.
Sheryl L. Sutter, while you are right with your observation, however, numerous cases have been “shot down” even if the homeowner did file claims prior to the foreclosure sale; because of Livonia Properties CA6. If you look at “all” the cases that went before COA in the last 7 years, COA uses Piotrowski or Livonia interchangeably to defeat the homeowners “standing”.
My understanding in HBSC v Young is that she could not fight standing because she did not redeem the property during the redemption period….and therefore, lost her right to challenge the banks standing…is that correct?
Another sad day in Michigan.
Tomorrow at 10am the Mich App Ct in Lansing is set to hear the case Young v HSBC, from Washtenaw County re: banks standing by using robo signed documents. Please pray for Ms. Loraine Brown of the Southern Mich Legal Aid, as she argues for the Plaintiff.
My Husband And I Sold Our Businesses and our Home….Gained Employment…Built Our Dream Home..$300,000.00 Cash.. and A Small Mortgage…BIG MISTAKE…I was always told cant loose on realty…….Yeah Right!
Left with five thousand in our pocket after selling everything, paying off what debt we could and a borrowed blow up mattress..and two folding lawn chairs…and our clothing…reached destination lived in a motel for 4 months….until we gained enough to get an apartment…which was difficult because our credit was so damaged.
Finally sold the house and three days later….call from realtor there is a problem….the land was surveyed wrong and land owner will not give it up……took it sold it and now has a large sum of money from the sale in his bank account……free and clear….while I am stuck paying the behind the door debt, did the right thing and did not go through with the bankrupt (Canceled It), and are stuck with a foreclosure and other things on my credit report.
We have tried desperately to get some help, with no avail, no one will talk to us, Mortgage Company, Title Company, Township, County, Tax People, IRS, State, No one….
We are barely making it, our check book is in the red all the time, I have work diligently to try and get help, it has put me in the hospital over the stress of it all three times….Almost Gave up then….
Finally I thought some relief there is actually a group going to make this right so I can go back home…..The Independent Foreclosure Review….Wronged in so many ways!
There are laws out there to protect us and vindicate us, but what good are they when you have had all taken from you fraudulently and you can not pay $$$$$$$$ to get the vindication ?
Start at “December 9th, 2011” Comments (below) and work your way… UP. It seem apparent that, your question has been answered… and many times over.
I don’t know your situation but you might want to… investigate additional options… I cannot make any promises but we have had a reasonable degree of success, against foreclosure.
I do hope and pray for the very best for, all of those going through this particular struggle.
Have a good afternoon and may the Lord bless you and yours.
Can anyone tell me what is going on with the Daly Law Firm’s class action against MERS? I have been a member of this class action since May 2011 and have heard nothing. I have contacted the law firm to inquire and have yet to get any information. I would have thought I would hear something within the almost 2 years since I joined this $400 million dollar class action. I have called the Daly Law Firm several times and was told that the attorney would call me back. I understand that these types of cases sometime take time but I feel that I should be updated on the progress of the case. Any information I can get will be appreciated.
I hope that, ALL are doing well.
We are on to a few new added twists which seem to be aggravating the ‘Servicers’ and somewhat confusing the Courts… Can you say Damages… anyone???
Please check this out; Mellentine v Ameriquest Mortgage Co. et al., 6th Cir. Ct. App. File name 13a0174n.06 NO. 11-2467 (Feb. 14, 2013) another victory for the homeowners in Mich.
Hey Dan, My Wife remembers you from ordering “Assignments”, down at the Washtenaw County Clerks Office [if you are the same guy that helped to win the US Bank]. She told me that, “everyone in the office, thought that he was crazy”.
Ann [my wonderful Wife, the Greatest Love] wanted to know, how we could get in touch with you? Do we have to be in foreclosure for you to work with us? How long does it take to win? How much does it cost? Will we own the place Free and Clear?
I hope that this message finds you in, good health and the best of Spirit. If you or your people have been having difficulties nailing down that, pesky PSA (with YOUR mtg); please shoot us a message (you really don’t need a Sec.Aud. but should you need the info, we’ll get it for little).
… shoot us an email. I cannot guarantee that we will be able to work with you or that you will have the same success as other Clients but, we will surely take the same of greater efforts, on your behalf.
We have put together the ONLY WINS in the State of Michigan (others were shot down by the Court)… We have ZERO dissatisfied Clients… We work with the best Foreclosure Attorneys in the country… We work in all States except: AZ, NV, MN and VA (based on State Judiciaries’ past ruling/positions in/re to foreclosures)… We work with you (the Home Owner) every step of the way, for the full duration of the process. Now, the ONLY thing left for us, is to help SAVE YOUR HOME… Give us a call or shoot us an email for a free consultation.
PS Kat, sent you the info, hope you got it.
Still here another 2 weeks, kinda hard to find a place when foreclosure is on you back… 5 years+ in most areas. Cash is king and I am surfing 20K foreclosure shytholes but we have to live somewhere. Every cash deal thats worth it gets sold illegally during negotiations… sigh just like the banksters, 3 gone so far and running outta time. Ah well, everything happens for a reason I guess.
I have a huge, very complex case of wrongful foreclosure. I’ve been working on this for 23 mos. and have had it analyed, hand writting experts, affidavits from Register John O’Brien where 5 signers on my assignments (2 on one and 3 on the other) So many violations with proof, facts to back it up. I originally was going to try to defend myself (ourselves,I am married) but I need to make this first move. Our family has lost almost 2 years of living happily and I seriously cannot take it much longer. If anyone can reference an attorney in my state of MI, who is honest, has integrity, and has enough..(cough cough)..to take this on, it should be one of Muskegon County, Michigan’s biggest shake up in a very long time. PLEASE, Don’t be an idiot and fill my inbox with nonsence, I’m looking for someone who seriously wants to help me make one hell of a statement. greeneyes4224@gmail.com Thanks and God bless!
I couldn’t know that renting and owning any specific real-estate might need a lot thought, energy, and quite often a higher price than everything we have. Great Informative blog by the bye!
Martin great to hear your still in the fight! Most people do not have access or the time to find an avenue to help them selves. My post was in no way an attack ad just saying that other people have posted relevant information to this blog where some others are simply in it to scam them. Just sayin you know? We have just a few days left now and I am hoping that the trust I put in my lawyer works, not much choice if it dont. I hope you win your fight, you deserve it!
TIM from MI, I am still here and is still in the thick of the fight. I am a little busy, however, I always try to read “all” the important blogs, including “Livinglies”. Trying to be always updated on what is going on out there. I might not make a comment, but I still find the time to read and learn. Knowledge is power…so my advice to you, keep your head up and continue with the fight. I have been doing so for the past five years and in those five years I have learned a lot and a lot of positive news have been coming out. I think that I started reading Livinglies almost from the time it started. maybe somewhere in the neighborhood of the 10,000 hits, awesome place to learn, just feel bad that some people put their frustrations here, for everyone to read. Oh well, I guess its a free country. I just feel like less attacks on people and more exchange of ideas will be better for everybody.
Ahh good to see Dan the Man Moss is back! (aka CAPT. SH!T and Pastor James). For a man making BIG wins now in 14 states I see, you sure have a lot of time to slander anyone that is trying to do something about their situations.
What do you have to offer anyone here? You surely are not a lawyer, way too much time. You don’t have a website and even hide behind an anonymous email address. So what are your intentions? Your various user names are not becoming of you, but you read the same and at least are consistent in the lies you speak.
I really hope you don’t live the anger that you type, it isn’t healthy.
To all else, may God Bless.
If the Dailey Law Firms has so many wins against the banks, well then, WHY DID THEY TRY TO PERSUADE ME AND A NEIGHBOR TO, “jump on board with the CLASS-ACTION SUIT” and “our firm will break the backs of the banks if, we can get enough people on board” UN-QUOTE???
Well folks, it’s time for me to do what I do best.
THE DAILEY LAW FIRM (in Royal Oak, MI) is full of SHHHHHHHHHHHH.
If you read through their website, they give you, really rough and round’about examples of their, “foreclosure success” but they don’t give you any real information/DETAILS about ANY of, their SUPPOSED CASES (no Client testimonials, no venues, no judges, no names, no nothing). The DAILEY LAW FIRM actually gives full-disclosure on the CASES, THE FIRMS NEVER WORKED ON or even have any associations to… The DAILEY LAW FIRM IS FULL OF SHHHHHHHHHHHHHH (with a capital I and T at the end).
The best Foreclosure wins the DAILEY LAW FIRM HAS are ALL, “LOAN MODIFICATIONS”. So if ALL you want, is a B.S. loan MOD, well then, the DAILEY LAW FIRM IS FOR YOU. If you want to actually beat the foreclosure, THERE are ONLY TWO IN MICHIGAN and Dailey Law Firm, IS NOT ONE.
Why as a matter of fact, they (DAILEY LAW FIRM) had to remove some items from their Official Website because, well they were about to get Blasted by the MICHIGAN ATTORNEY GRIEVANCE COMMISSION for, attempting to misrepresent their firm’s ability to stop foreclosures, POSTING CASES ON THEIR WEBSITE THAT, THEY NEVER WORKED ON.
THIS INFORMATION WAS ORIGINALLY POSTED ON DAILEYLAWYERS.COM (the official website of the Firm) BUT WAS TAKEN DOWN because old man DAILEY didn’t want to risk his license or HIS B. to the S. RADIO SHOW on WJR. THIS SITE WILL NOT ASSIST YOU WITH ANY FORECLOSURES. THEY WILL AND HAVE ATTEMPTED TO USE, OTHER LAW FIRMS CASES ALONG WITH, TALKING THE popular ‘JARGON OF THE DAY’ and using catch words like MERS, Securitization and Modifications, to potential Clients and they actually have fooled some folks.
DAILEY LAW FIRM LAWYERS WILL TALK A GOOD GAME BUT if you know what you are talking about and continue to talk to them; you will see that NONE of those, pathetic-poor-excuse-for-attorneys get it. NO, NOT EVEN ONE.
If there is any consolation gained from working with the DAILEY LAW FIRM, it was the fact that, Dailey and his crew helped to lighten the burden of carrying the money in my wallet.
I am working with the gentleman who put together a couple of Michigan Vacation of Foreclosures. He told me that, I could go back and get Dailey and his crummy attorneys, for malpractice, after we get my house back.
(thx dm and keep it up, you should advertise).
MF was on the right track here. Daily Law Firm and Justin Grove get it. I wonder what happened with MF after his appeal was granted? I have met with and retained several lawyers and got the same exact results as MF prior to Justin. I am glad that I re-read through this blog to find Justin, this guy really knows what is going on. I have no idea how my case will progress in this late state of affairs but it is a relief to know that finally someone is willing to sit down and actually have a knowledgeable conversation and then be willing to file a case with the courts. I just wish I would have found this earlier, it is now less than a month before the end.
Michigan AG asked to not sign onto the DOJ Foreclosure Settlement!!
Breaking News. Read the reasons why folks.
We were not given 90 days notice and I will ask for a dismissal.
Fannie Mae says they suspended eviction over the holiday is a lie.
They said it would be from 12/19/2011 to 1/3/2012.
But we were in court on the 22st of December 2011 to be evicted, with 10 days notice. and wanted us out in 10 days.
be careful most of the documents seem to be manufactured. and Fannie Mae wants us out, they don’t even own the property.
Just because it’s a paper from a lawyer doesn’t meant that it’s right or correct. Now I have to see if there was an advertisement for our property, or if there was even a sheriffs sale. scam to the core, only in our government.
I. SEC. 701. SHORT TITLE.
This title may be cited as the `Protecting Tenants at Foreclosure Act of 2009′.
provides longer time periods or other additional protections for tenants.
due to a Federal, State or local subsidy.
III. SEC. 703. EFFECT OF FORECLOSURE ON SECTION 8 TENANCIES.
under this title shall terminate, on December 31, 2012.
See: 12 USC §2602 (1) and 15 USC § 1602 (f).
relevant program of HUD-assisted housing.
HEY, MICHIGAN HOME-OWNERS and HOME-OWNERS of any of the fine STATES, throughout this United States of America!!!
You aren’t “Morons” and you aren’t “Stupid”, as ginger & john, so euphemistically, refer to you as.
Folks, we can HELP but it most certainly WILL NOT BE FREE… Not even to share 50/50 with you on damages (that’s like asking a store clerk to, let you scratch-off the instant tickets… … … for free… … until you can find the winning ticket, after which time, you will kindly, split damages)(that dog doesn’t hunt, folks).
1. We can help you keep your house (no MODs, no Short-Sale, no trans. of Title/Deed, no HAMP, no TRICKs or bad advice). The reason that I know is for the fact that, WE HAVE DONE IT BEFORE.
2. Prices: Up-Front Fee (Covers administrative work/costs); Back-End Fee (Payable upon actual Court awarded ruling/victory) and the Ad-Claim Fee (A small percentage fee that, we will assess for any and all, damages awarded to our Clients. When this Fee is collected; the “Back-End Fee” is eliminated).
3. Length of Time: Our portion of the transaction, normally takes as little as 2 weeks or as long as, 5 months (time depends on the amount of research required and the severity of the situation). Attorneys/Court portion can take from (2 – 6+ months depending on the Docket Schedule/Size)(we don’t work with “Green-Horn” Attorneys unless they are taking 100% lead, in a subordinate capacity from one of our Attorneys With WINs).
FIGHT the good FIGHT. If you remain, too scared to try; you will always be, too scared to WIN.
Judas Priest what rock do you live under.
Ask your local cops if they can arrest you for dismantelling your own home!!!!!!
DO NOT BURN!! THAT IS ARSON!! THAT IS ILLEGAL!!!
Anyone with a brain knows one is allowed to tear down and REMOVE their DOMICILE!!!
YES YOUR COPS KNOW IT IS UNENFORCEABLE !!!
EVEN A RENTER IS ALLOWED TO DISMANTLE OR DESTROY THEIR DOMICILE!!!
EVEN THO THEY DONT OWN IT!!!!
YOU MORONS ARE WILLING TO LOSE YOUR HOMES WITHOUT EVEN READING THE STATE LAWS YOU DESERVE IT!!!
Cops do not know the laws, that is the last place to get advice of any kind.
Can you link that statute? Before anyone tries this they should read it and have it interpreted and printed out to show the judge the next day after being arrested.
Do you realize what you are allowed under MI law???
!!! BUT YOU MAY TAKE IT ALL WITH YOU!!!!!
THAT MUCH IS SANCTIONED BY MI LAW!!!!!
EXERCISE YOR MI RIGHTS AND STRIP DOWN YOUR HOME AND MOVE IT ELSEWHERE!!! PERFECTLY LEGAL!!!!
THEY CAN DO NO HARM TO YOU !!!!
ASK ANY COP ON THE STREET WHAT CHARGES HE CAN BRING AGAINST YOU FOR DISMANTLEMENT OF YOUR HOME!!!!
AS SOON AS ONE THREATENS DISMANTLE OF ONES HOME THE BANKS TUCK TAIL!!!!
STRIP IT TO THE FOUNDATION!!!
TELL YOUR PHONEY LENDER THAT YOU WILL!!!
CALL YOUR COPS!! ASK THEM WHAT IS LEGAL!!!!!!!!
THE COPS WILL TELL YOU IT IS LEGAL FOR ANYONE WHO LIVES IN THE HOME TO DO EXACTLY THAT!!!!
CHECK IT OUT YOURSELVES MI MORONS!!
THREATEN TO TAKE WHAT IS YOURS AND THEY WILL LEAVE YOU ALONE!!!
USE THE MI LAW ON THE BOOKS!!
WAS your sheriff sale properly posted in the newspaper as per MI law?
Did you or your hired BOZO attend the sale?
What co. are you in?
Did your sheriff follow MI law!!!??
I think he followed current protocol, not necessarily the law.
Who bought your home at the sale?
DID IT GO “BACK TO THE BANK” ?
yes, Went to BoA which is a servicer and not a bank.
Have another angle now, need to fund it though and see what develops before I can comment on anything in regards. These cases involving people fighting back are silenced and I believe a reason why we are having a hard time finding information or lawyers that know what to do. Michigan for whatever reason is clearly a quiet area of this fraud.
I will update soon as I find anything of help. However if we start a suit I along with many others will have to remain silent. This I think is the biggest obstacle to overcome in fighting a foreclosure.
That’s a lot of money to spend on a 2 bit attny.
and even more to spend on some run at the mouth attny. wannabe.
If you paid an actual attny. and he failed to file papers in time that is called malpractice and is grounds for suit.
believe they are gods who you-we us – pay this retainer and then they do just as you say–NOTHING. They have somehow justifiably received payment for services never rendered but that constitutes MALPRACTICE!!!
They are taught foremost to gain your trust to get the retainer and then sit on their glorified asses!!!
If you would like to file a malpractice suit let me know.
WAS THERE A BUYER, JOHN???
Daily law firm, called Monday-Wednesday, got a call back from secretaries and left voice mails all 3 days… no call back. I am calling this one useless.
Thanks a lot Ginger, I will contact a source from below and see if they can help this situation.
So many conflicting reports and advice from lawyers, they all want the money but do nothing. Some who brag a lot (even on this site!)want upfront costs just under 10K and then 30% of market value if they win the house back… terrible huh? Not to mention that they are not lawyers and you need to cough that up in addition.
If I had no equity that would be one thing but I do have a bit that I do not want to give away.
I will keep you folks updated with this ongoing situation.
Well, HELLO to ALL of the ‘True Believers’!!!
Well… the answer is simple.
If these folks are ONLY adding, another OPINION, to the game; THEY SURELY AREN’T NEEDED and will probably give you some Crack-Head advice that will screw your case up (e.g. “go sue your sheriff” and other bytes of LUNACY) and leave you posting to blogs like this one, from the local WiFi stations because… you lost your house!!!
Oh, and ginger… the Pastor that you so rudely disrespected… had his house SAVED… by lil’ole me… and what have you done ginger, besides using up Mr. Garfield’s storage capacity on WordPress???
Your email address does not post on this site for privacy.
Read down these posts and depending where you live you may find a lawyer to call.
Tisk tisk–many thousands in the yellow pages but no intelligence to be found..
What attorneys are you folks using? I have intervied 4 now and none are worth my time. Either with out a clue or don’t want to bother or want my children as payment.
Any links or contacts appreciated! Just send to my email.
The AMORTIZATION TROTT provided showed EVERY OVERAGE I PAID EACH MONTH WAS APPLIED TO MY BALANCE OWED RATHER THAN SUBTRACTED!!!!!
LOOK AT YOUR AMORTIZATIONS !!!!!
CLINTON CO. CORRUPTION and TROTT & TROTT WILL BE EXPOSED.
He needs to stop passing the buck on to his underlings so he can claim innocence on the whole ball of wax.
CALL CLINTON CO. AND ASK HOW THESE AUCTIONS WORK!!!
KANGAS IS SO IGNORANT ONE MUST WONDER WHAT HIS COMPETENCY LEVEL IS ON ANY DUTY!!!!!!!
APPARENTLY HIS UNDERLING RACHEL HOLDS AUCTIONS WITH NO ONE THERE WHENEVER SHE SEES FIT!!!!
IS WRONGFUL FORECLOSURE DIFFERENT THAN WRONGFUL ARREST!!!!!!!!!!!
SUE THEM!!!!! MAYBE THEN THEY WILL FEEL IT WHERE THEY STUCK US!!!!
THANK YOU SO MUCH for this posting!!! I have been praying for months now for God to intervine in waht is happening to me with Citimortgage and Fannie Mae. I am meeting with a lawyer tomorrow, and I believe, you have provided enough information and Michigan laws to jump start our case!!! The Lord is wonderful and so are you! God bless!!!
From me to you; those guys are back to, business as usual. I know FOR A FACT THAT, Cole Taylor is Securitizing and selling ALL of their NEW mortgages/Closings.
Do you ever stop, some days and wonder if, “I (understood you) am in the wrong line of work”.
We don’t just “GET IT”… and what is “IT” anyways??? What WE DO GET… are WINS.
GIVE US A CALL OR SEND AN EMAIL. I personally have 13 years experience in Residential and Commercial Finance (I know where some of the bodies are hidden, so to speak) and have become familiar with the processes that, the banks have instituted. We don’t look for modifications. We look to save your house. We work to assist you by, gathering evidence for discovery and building your case (before you even get to Court). We work with ONLY qualified, licensed, in good-standing Attorneys… who have multiple WINs.
May God bless you and yours. Talk to you soon.
OK, normally I come on to this blog and rattle on and on about our progress and the WINS, blah, blah, blah (we got the 1st Vacation of Foreclosure in the State… soon to be, the first 12, in the State).
THE ROBO-SIGNER WILL BE COMING ON-BOARD WITH US!!!
We have one of the most notorious robo-signers COMING ON-BOARD. Just imagine if they said that, they never signed your sheriff sale docs….
With all due respect pastor–stick to your Saturday or Sunday sermons.
How ’bout Jesus and the money changers for starters?
Let’s not pretend our sheriff is a lawyer who can sort through the endless documents filed fraudulently through Trott & Trott here in Clinton County.
If the sheriff has been presented some documentation by the home-owner that a sheriff sale might in deed be FRAUDULENT then perhaps the sheriff should let the glorified attorney (judge ) decide and pass on the sale of said home in question to his discretion.
Our home was fraudulently transferred at the registrar of deeds in good ol boys town of St. Johns Mi. by Carol Wooley.
The sheriff in turn, acted on her following LEGAL PROCEDURE to proceed with a fraudulent foreclosure.
Hope Carol is enjoying her retirement.
How many families did she leave homeless due to her total lack of fulfilling job duties?
This message is for Mr. Buff and others who are going through, what we had gone through.
KEEP THE FAITH AND FIGHT THE GOOD FIGHT. I have been hearing quite a few people mentioning the ‘Sheriff’s Sale’ and how those sales, should not have gone through. The arguments may be right or wrong but the answers are beyond my personal knowledge base (I am not a legal expert). There is one thing that I can tell you. The Sheriff’s put it on the line everyday and with that said, don’t focus all of your efforts on fighting the Sheriff (The are ONLY doing their jobs). Instead, find the knowledgeble people and attorneys who can help you, go against the banks and lenders.
This website has many informative articles and I have read posts of some success stories.
I am proof that, there is help for the people of Michigan and other States. How do I know; you may ask? Well, we got one of the first Vacations of Foreclosure, in the State of Michigan. Now, we are by no means complete with our litigation (waiting on the Vacation of Mortgage) but we will soon be.
We must pick and choose the RIGHT battles. Be wise and apply you attention where appropriate.
Please read through some of the recent articles, listed below.
We worked with Dan Moss at lowecommunityresourcepartners@live.com and he is the one who, put it all together for us. Now, I don’t ususally give commercials but in this case, the proof is in the pudding, so to speak.
Livinglies has been a mountain of practical understanding.
With that said, hold on and DO NOT LOSE FAITH. The Lord will help you with this situation. So, all you need to do now is, CONTACT THE PEOPLE WHO CAN HELP YOU FIGHT THE GOOD FIGHT.
Michigan Sheriffs have defaulted to the banksters atandard and there is nothing you can do without paying a substantial payment to lose… thanks for the thoughts.
I hope that everyone is doing well on this blessed Thursday. My name is James and I am a Minister of the Lord, by Faith and Profession.
God blessed us with Mr. Moss’ help and we felt that we owed him, the recognition for all of his assistance. I can tell you right now that you should let Mr. Moss and his attorneys “who get it”, work for you. Please tell Dan that, I referred you to him.
Mr. Moss has even gone to considerable lengths in helping us to get the money to pay his back-end fee (we had some of it but expense always seem to, rear up). The gentleman isn’t very demanding. All he will ask you for is the Admin. Fee and for you not to lose anymore sleep.
LET US HELP YOU KEEP YOUR HOME and not dance around in Court for the next 2 years. We do not go for the quick fixes. We go for the BIG WINS.
DID I MENTION THAT, WE HAVE WINS and great *NEW* team of Attorneys.
Good night and May the Lord bless you, ALL.
If you fine people can read this message then, it means that the fine folks of this blog have stopped censoring my posts.
I do not appreciate being censored and having my post, not appear. I do not use questionable language nor do I verbally abuse any persons on this site.
(if LIVINGLIES is still censoring me, I have a FIX for that. If it happens again; I have a real FIX for that and when that time comes it might be, a byte problematic but alas, I CAN SHOW YOU, FAR BETTER THAN I COULD EVER TELL YOU;).
Give me a call if you want a WINNER.
was a bill. Never was signed as a law. Just a bill.
I came across this ruling posted on the Mortgage Fraud Website. Thanks to Steve Dilbert for being on the ball.
Helping clients in Michigan re-claim their deed by exercising their consumer rights!
The rest of the country has!!!
We have emailed our “sheriff” weekly on foreclosure details yet every week we see in CLINTON CO MI the foreclosures continue as usual.
MERS is struck down by high courts, Clinton Co Mi turns a blind eye and continues foreclosures that are illegal.
We have done everything in our power to educate our sheriff but if you realize his methods of accounting for themselves you will see their corruption.
If you speak to Wayne kangus he will tell you that he has his deputy Knight Handles the foreclosure sales.
They are both required by law TO PROVE FORECLOSURE IS LEGAL.
KANGAS PASSES THE BALL TO KNIGHT WHO PASSES THE BALL TO RACHEL A “SHERIFF WHO TOLD US SHE VERIFIES NOTHING!!!!!
THE SHERIFFS OFFICE IS culpable for the illegal sale of your home!!!
Just an update on my case. Had my deposition Friday of last week and it lasted more than 6 hrs. Wow, that was incredible. I asked our court reporter how she can stand doing this everyday and she told me ” you’re the record holder for the longest deposition I have ever worked on”. Usually it only lasts 2 hrs the most. I guess we have to be thankfull that we have made it this far. God willing, it will be “all” the way.
We are looking for an attorney in West Michigan who gets it. We suspect that Wells Fargo acted illegally in demanding money to be considered for a loan modification. We didn’t pay it and they foreclosed three days later.
We have until February to redeem the house. Help!
i will like to make an inquiry in you store ,kindly get back to me with the payment mode?
My mother has been battling for her home (of 40 yrs) for over 3 yrs, and has been to Eastern MI Federal Court 2 times. She had a lawyer who helped get her this far but unfortunately he took his own life a few months ago.
The latest decision (last Monday – Eastern MI Federal Court) was not in her favor. She has to get a new lawyer fast and get something filed, she left a voicemail for Justin but hasn’t talked to him yet.
We are very interested to know how your case is progressing, maybe we can compare notes.
Deuteronomy 4:2, King of kings’ s Bible Ye shall not ADD unto the word which I command you, neither shall ye diminish [ought] from it, that ye may keep the Commandments of the “I AM” your God which I COMMAND you.
Woe to you, lawyers! for you have taken away the key of knowledge: you entered not in yourselves, and them that were entering in you hindered.
Woe unto you lawyers! for ye took away the key of knowledge: ye entered not in yourselves, and them that were entering in ye hindered.
Woe to you lawyers, for you have taken away the key of knowledge: you yourselves have not entered in, and those that were entering in, you have hindered.
of sale to the owner of the debt.
closing, said actors could not have perform under the Mortgage in good faith.
Default is impossible under the realty of the transaction.
Memorial Hosp Corp, 194 Mich. App. 543, 548- 549; 487 N.W.2d 499 (1992).
(b)	An action or proceeding has not been instituted, at law, to recover the debt secured by the mortgage or any part of the mortgage; or, if an action or proceeding has been instituted, the action or proceeding has been discontinued; or an execution on a judgment rendered in an action or proceeding has been returned unsatisfied, in whole or in part.
(c)	The mortgage containing the power of sale has been properly recorded.
(keeping in mind of the reported case of Mortgage Electronic Systems, Inc. v.
it does), Power of Sale was not available to the servicer or MERS.
(d)	The party foreclosing the mortgage is either the owner of the indebtedness or of an interest in the indebtedness secured by the mortgage or the servicing agent of the mortgage.
by the MORTGAGE OR SECURITY INSTRUMENT.
foreclosure procedures in good faith.
independent mortgage. The mortgage for each of the installments may be foreclosed in the same manner and with the same effect as if a separate mortgage were given for each subsequent installment. A redemption of a sale by the mortgagor has the same effect as if the sale for the installment had been made upon an independent prior mortgage.
(3) If the party foreclosing a mortgage by advertisement (via power of sale) is not the original mortgagee (who originally was the lender, but later assigned its rights as mortgagee to MERS under the security agreement), a record chain of title shall exist prior to the date of sale under section 3216 evidencing the assignment of the mortgage to the party foreclosing the mortgage (the Servicer) .
• No assignment was done to the , prior to sale of the mortgage.
did not own the indebtedness. MCL 600. 3204(1)(d).
explanation of what it does, from the reported case, Mortgage Electronic Systems, Inc. v.
the notes do not record assignments of the deeds of trust when they purchase mortgages.
of which are outside the scope of this article) to enforce the provisions of UCC §1-203.
exist without the other. Dougherty V. Randall, 3 Mich. 587, 587 (1855). Also see: Ginsberg V.
An a turn on me (attorney) only works for the off shore corporations of the federal reserve banking system.
To successfully defend against the banksters, one has to make them prove they still hold the note.
funds that the banksters lend you. All they are doing is lending you your own credit, which is a fraud.
They in turn sell this note (95% of the time, AIG being the exception, as they hold all notes in house) and lend you back the proceeds. Thats why they make you wait for 3 days before they fund it! They take this time to sell the note (monetize) and then in turn lend you back what you just created with your signature….
This is nothing more than an even exchange, just like walking into the bank with a ten dollar bill and asking for ten ones for change. An even exchange. Make them prove that you owe them anything by demanding a true copy of their ledgers. They credit their own net worth account when you sign a note, just like they would when you make a deposit into a checking account or a debit account. This is a fraud on its surface and out right deplorable.
If you send out letters to the banksters demanding that they produce the original wet ink signature prommisory note for your inspection, they will railroad and stall. Send out two of these demands with a stipulation that you will resume making payments when they can verify the debt, which in most cases they cannot and then file a suit in the county court where the property is located and demand a release of lien and summary judgement for the note.
That is how it started with me. Saxon Mort. wouldn’t lower my interest rate of almost 9%. I have asked them for 3 years to lower it—seemed everyone else was at 3-4-5%. But they wouldn’t lower it because they were just servicing the loan and didn’t have the power to, which is a lie. They said I wasn’t behind so they couldn’t do loan mod.
But I am glad I haven’t done a loan mod. because then I would be stuck with them and they could foreclose. As it stands, if state law was followed, they could not foreclose because they are not registered with my county. After reading all the info. on this site and others I got my original Mortgage out, and the NOTE and have found a half dozen TILA violations. My loan was predatory, I didn’t qualify by their own guidelines, I am paying a higher interest rate than my NOTE states, the notary who signed was NEVER a notary, no witnesses signed, many others.
The way I understand TILA from this site, with so much fraud committed I could be entitled to 3x the value of my loan amount plus thousands more for various violations plus keep my home of 30 years.
This was a small dumpy home that I have spent thousands on over the years putting 4 additions on it and many other improvements, I have to fight now to keep it.
They want to do a loan mod. now but I want to prove they have no right to my home. They don’t even know what bank transferred my loan to them!
I did not get my mortgage from SAXON, my mortgage is with First Franklin—Saxon has no standing.
But if Saxon wants to claim any ownership then they can go ahead and pay these treble damages under TILA.
Maybe they will think twice about going through with this!
Besides the PROSPECTUS for the pooling agreement/trust says Saxon is the servicer and CARRIES THE LIABILITY.
Have you discussed with Justin that a loan mod., by definition, with anyone other than your mortgage co. is FRAUD!!?? THEREBY VOIDABLE?
Thereby allowing you to discharge/set aside the debt. collector servicing agent who deceived you into a loan mod. with them. If no money changes hands, then how did your mortgage co. get paid off?
I actually spoke with my BK lawyer from 7 years ago who totally understood that because my “servicer” states it is a debt collector, that they are DISCHARGABLE in BK court.
He actually was impressed by what I told him and wanted to meet to find out more–probably because his mortgage billing statements say “we are a DEBT COLLECTOR” too?
The state is going to hell!
The crooks all got paid –sometimes 30 times over!!
We need lawyers with scruples.
We need lawyers who aren’t afraid to step on other attorney’s toes.
The problem is they all go to the same parties and functions and never want to confront their opponents, they are an enormous click that all works together, and they all want to be stupid together never standing out or speaking out. Maybe some will find out the millions to be made on these TILA violations but most don’t want to learn a dam thing after law school because they are losers.
SAD!!! Truly a disgusting profession.
If they tell you you don’t have a case it’s because they are too stupid to make a case for you—they are LAZY and don’t care if they excel in their profession .
They are worse than all the hairstylists I know.
Hope they all get foreclosed upon because no one will hire them because they are so stupid that they get no cases because they are too stupid to make cases!
So, I would like to see Justin’s case for you!
Ginger: Please send me your email address and I will send you the file.
Yes, you are right. It is hard to find a lawyer that “gets it”, here in MI. I don’t even know if there’s one listed on the “livinglies” website. It took me the whole part of ’08 looking for a lawyer receptive enough to hear what I want to say and to learn “with” me. Thank GOD that I found one. I have emailed, called and met with a lot of lawyers here in MI and it is very frustrating because they either don’t want to listen to what you have to say, or they think you don’t have a case. Come to think of it I feel that we are behind by atleast 2-3 years here in MI and it is a very new concept to have ” foreclosure defense”.
I have been studying and doing research on my case for atleast 3 years now. Ever since, I was adviced by my servicer to miss payments, since they “couldn’t help me, if I wasn’t late”, Oct ’07, through begging, negotiation for a loan modification summer ’08, through “trial loan modification” last quarter of ’08. After paying “on time” for 3 mos, they told us that we failed our loan modification, even though we have the paper stating that we were approved. They also notified us that our foreclosure sale is scheduled for Jan 5′ 09. To make matters worst they told us all of these Dec. 24, ’09. That made for one awful x’mas holiday, knowing that your home is being sold. The timing could haven’t been worst either, most if not all law offices are closed and everyone that I have talked to (servicer) was mean and they chastisized you. We have begged, we have endured humiliation just to save our home, to no avail. My marriage and my family suffered. That was the time I realized that I needed to “fight for our home”.
Jan 4 ’08 we filed for BK to stop the foreclosure and March ’09 met with Mr Dailey and Mr Grove ( Dailey law firm) and found the lawyers that were willing to listen to us. It took us almost another year of research and revisions until we finally filed our complaint. Dec ’09. It took them (MERS, USBANK, ASC) until March to answer our complaint and move it to Eastern MI Fed Ct. ( which I have predicted, they always do) and tomorrow we’ll have our scheduling conference.
I have read most of the foreclosure complaints filed or removed to Eastern MI Fed Cts and some of the filings on the Western division too and here’s what I have found. There’s a lot of Pro se litigants out there. Probably due to the fact that there’s no lawyer that knows how to defend foreclosures here in MI. I’ve waited to be sure that our lawyer, Mr Grove, learn, trust me, and “gets it” before I even decided to put his name out there. Finding a lawyer is the second step. I want to help my fellow Michiganders, fight for their homes. We have decided to make my case a test case here in MI. To open doors and awareness to our plight. I know that most of us have the same experiences and are in the same boat.
Oh by the way, the first part of the equation is for us to learn and study our own cases. To be able to explain it and to know the ins and outs of it and to not just rely on our lawyers to figure it out for us.
I have read all the articles, laws, forums, websites, books and blogs that I could find. That’s how I’ve learned and dealt with this crisis. I feel empowered now, for knowledge is power. I don’t have sleepless nights any more and that saved my sanity and marriage. If I can do it, so as all of you.
The funny thing here in MI that I found out too is, there’s only a few law firms that handles foreclosure and what they deemed as foreclosure defense. The law firms that represents MERS, banks and servicers are the same as the one representing homeowners.
I mean they would have a law firm with two departments, one for MERS, the banks and servicers and one for homeowners. Guess who “always” win? Of course the banks. And we wonder how come there’s no cases here in MI where there’s a homeowner that actually wins. There’s no incentive for those lawyers to do the research since they don’t care if they lose. Right?
Well here’s my testament. Again thank you to Mr Garfield, Mr Kaiser, all the associates and bloggers in this forum. I have been reading this forum since mid ’08 I believe and it has helped me a lot. Hope that it does the same to all of you out there.
I couldn’t look your case up —could you give me more details of your case?
Did call Justin–he seems pretty smart, it’s so hard to find lawyers who understand all these issues, but he does.
For my fellow Michiganders try to contact my lawyer if you needed help. Dailey Law Firm, Justin Grove (248) 744-5005, no promises, but together we have filed my complaint check it out, Famatigan v. MERS et al Eastern MI Federal Court. Our scheduling conference is in June which means that the defendants Have NOT been able to file any summary judgement against us (though we haven’t used the securitization yet, trying to save that for the trial itself). I have checked filings in eastern MI Fed court ’08 to ’10 and I think ours will only be the third one to make it to the scheduling conference with the judge. Thanks to “livinglies” for all the information that they have been giving us. It has truly made a difference.
Moratorium, no attorney links, like the cause but the substance is visual at best.
here’s an attorney in Michigan that gets it.
Silence. No Atty here wants to go against the banksters and the Judges are in the Banksters pockets. Welcome to America.
(a) A default in a condition of the mortgage has occurred, by which the power to sell became operative.
(b) An action or proceeding has not been instituted, at law, to recover the debt secured by the mortgage or any part of the mortgage; or, if an action or proceeding has been instituted, the action or proceeding has been discontinued; or an execution on a judgment rendered in an action or proceeding has been returned unsatisfied, in whole or in part.
(c) The mortgage containing the power of sale has been properly recorded.
I need a recommendation for Michigan attorney, too.
Who has a number for a good attorney in Michigan that deals with this stuff everyday? I have a home that foreclosed there and my 2nd mortgage was sold to SLS after the foreclosure. I need someone to talk to that knows what they are talking about before I make any further decisions.
In short, the plaintiff was able to demonstrate both 1) a defective appointment of the Special Deputy Sheriff that conducted the foreclosure sale; and 2) the empowerment of the court to overturn the actual mortgage default under 11 USC §1322(c)(1).
If you, or a client, are presently involved in or contemplating a foreclosure and/or bankruptcy Nicoletti & Associates, PLLC, provides No Nonsense – No Obligation answers to individual consumer litigation and class action participations.
• Wayne County Special Deputy Sheriff, Adrienne Sanders conducts a Sheriff’s Sale of the mortgaged property (November 28, 2007). Wells Fargo Bank, N.A is the successful bidder.
• Antonio Attard files a Chapter 13 Bankruptcy on July 20, 2008.
• Landlord-Tenant Proceeding 16th District Court (Livonia, MI), was closed via an Order for Administrative Stay.
• September 2008, Antonio Attard files Adversary Complaint /United States Bankruptcy Court,Case No. 2008-05064-tjt.
• Judgment entered in favor of Plaintiff in the Adversary Complaint /United States Bankruptcy Court, Case No. 2008-05064-tjt on 6 August 2009 – …the mortgage will be deemed fully reinstated and all defaults thereunder deemed cured, and that the ownership of the Property is then restored to Plaintiff.
View/download copies of the Complaints, Judgments, Decisions, etc.
What I am wondering is, if EACH installment is a SEPERATE AND INDEPENDENT MORTGAGE, then a default of 1 installment would equal 1 installment worth of damages. So how is it the pretender is awarded the entire property??? Perhaps the verbage which follows that line explains it, but it reads nonsensical to me.
As I read that crummy bill it appears that it was written by a child of some MERS official.
Has anyone taken a closer look at Michigan House Bill 4453 with respect to an angle by which to litigate the note/mortgage separation? I have a client ready to proceed on this theory.

References: §2602
 § 1602
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 §1322