Source: https://bobhurt.blogspot.com/2013/04/do-us-courts-see-neil-garfield-as.html
Timestamp: 2018-03-21 09:05:45
Document Index: 364156512

Matched Legal Cases: ['§ 1961', '§ 1601', '§ 1601', '§ 2601', '§ 1692', '§ 1681', '§ 2605', '§ 1639', '§ 1601', '§ 1681']

Bob Hurt: Do US Courts See Neil Garfield As Expert or BOZO?
I know many people love Neil Garfield because on his LivingLies blog, he acts like the champion of foreclosure victims. But check out just two of the cases where the court denounces Garfield's pleadings and "expertise," and those relying on Garfiels LOSE BIG. The courts RIP Garfield's tactics to SHREDS. See attached opinions:
Neil Garfield might have the intention of helping foreclosure victims, but he actually hurts them. He sells them useless securitization audits and "expert" affidavits and provides an utterly bogus foreclosure defense template here:
Plaintiff solely relies on his expert's assertion that he possesses "knowledge of the actual intents, purposes, meanings and effect of the 1999 amendments [to the] Uniform Commercial Code.... Article 9 applies to the sale of promissory notes." Garfield Aff. 9:9-12.
4. For other examples of cases in which these general complaints contain information supplied by Mr. Garfield, see Maixner v. BAC Home Loans Servicing, LP, Civ. No. 10-3037-CL, 2011 WL 7153929, 3 (D.Or. Oct. 26, 2011) ("Maixner also offers as fact extended excerpts from a Securitization Research Commentary' ('SRC') obtained through LuminaQ and authored by Neil Garfield, an attorney licensed to practice in Florida who Maixner asserts is a 'nationally recognized expert in mortgage securitization.' (Id., ¶¶ 14-22 & Ex. I). A review of the SRC reveals that this document consists primarily of a general commentary regarding the practice of mortgage securitization accompanied by Garfield's opinion 'as an expert in securitization' regarding the significance of these practices with respect to the Maixners' mortgage loan, not of which are properly offered as fact" and dismissing with prejudice the plaintiffs claims seeking an "order holding the mortgage on their property to be void and unenforceable, the pending non-judicial foreclosure proceeding unlawful, and seeking damages for violations of, among others, the Racketeer Influenced and Corrupt Organizations Act ("RICO"), 18 U.S.C. § 1961 et seq., and the Truth in Lending Act ("TILA") 15 U.S.C. § 1601 et seq.)"); Sainte v. Suntrust Mortg., Inc., No. 1:10-CV-1637-TWT-WEJ, 2010 WL 4639242, *1 (N.D.Ga. Sept. 15, 2010) (recommending dismissal of case after noting that, as alleged in the Salazar's case, "Plaintiff further alleges that the securitization of his mortgage loan exposes him to liability to 'potentially dozens or even thousands of third parties [that] could come forward claiming an unsatisfied interest in the promissory note.' ( Id. ¶ 7.) As a result of plaintiff's inability to establish chain of title to his property, he 'is left in the position of being in an adversary proceeding with ghosts.' (Id. ¶ 13.) Plaintiff alleges violations of the Truth in Lending Act, 15 U.S.C. § 1601 et seq., the Real Estate Settlement Procedures Act, 12 U.S.C. §§ 2601 et seq., the Fair Debt Collections Practices Act, 15 U.S.C. § 1692 et seq., the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., and a state law claim for quiet title. (Pet.¶¶ 17-43.)" and noting that, "[i]n its discussion of shotgun pleadings, the Court observed that plaintiff filed a pro forma complaint that is widely available on the internet, see, e.g., http://mariokenny.wordpress. com/category/nature-of-the-action-by-neil-garfield/, and frequently filed in this Court. See, e.g., Dan v. Bank of America, No. 1:10-cv581-CAP (N.D. Ga. filed Mar. 1, 2010); Myers v. Countrywide Home Loans, No. 1:10-cv-0536-JEC (N.D. Ga. filed Feb. 25, 2010); Clark v. Wells Fargo Bank N.A., No. 1:09-cv-2742-CAP (N.D. Ga. filed Oct. 2, 2009); McGrue v. Wells Fargo Bank N.A., No. 1:09-cv-2733-CAP (N.D. Ga. filed Oct. 2, 2009)"); Straker v. Deutsche Bank Nat Trust, No. 3:CV-09-0338, 2010 WL 500412, 1 (M.D.Pa. Feb. 5, 2010) (noting that "[a] significant portion of the body of Plaintiff's Complaint can be found in Nature of the Action by Neil Garfield. Accordingly, there are only a handful of statements included in Plaintiff's Complaint that are personal to her claim and not pulled directly from the above-posted source" and dismissing claims "alleging violation of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. § 2605; the Home Ownership Equity Protection Act ("HOEPA"), 15 U.S.C. § 1639; the Truth-in-Lending Act ("TILA"), 15 U.S.C. § 1601; and the Fair Credit Reporting Act ("FCRA"), 15 U.S.C. § 1681. (Comp., Dkt.1.) . . . and claims of fraudulent misrepresentation, unjust enrichment, civil conspiracy, civil RICO, quiet title, and usury" as improperly pleaded against all Defendants)."
Allege that the bank didn't lend real money or that the securitization trust receipts paid off the loan or the holder of the note has no standing?
Neil Garfield thrives on and promotes Scenario 2. Instead of performing comprehensive professional mortgage examinations, Garfield contents himself with hawking securitization and loan audits that do absolutely no good because they aim mostly at arguing over the foreclosure rather than attacking the original lender for causes of action underlying the mortgage. And the statute of limitations has expired on most of the TILA/HOEPA/RESPA violations he might find, so they provide no basis for a lawsuit.
[Note that these stellar examples exist only because the lender or lender's counsel was an idiot for not settling early - all settlements include non disclosure agreements to hush up the mortgage victim]
Posted by Bob Hurt at 1:17 PM