Winning an FCRA case on the back end of a foreclosure … on appeal in the 9th Circuit

IMHO – the passing around of mortgage loans is nothing but money laundering and/or cooking the books to give a company’s financial overview a fake sense of viability at the homeowners’ expense.

Clouded Titles Blog

(BREAKING NEWS, OP-ED)– The author of this post is a paralegal and consultant to attorneys on foreclosure defense and consumer issues. The case posited above is for your educational benefit only and any commentary presented here does not portend to convey any legal advise whatsoever.

The U.S. District Courts never cease to amaze this author given the blatant facts and allegations presented by the Plaintiff (Gross) in his FCRA case against CitiMortgage, Inc. The lower court justices nearly always rule for the banks no matter what. Could it be because the federal judges are vested in these banks and are conflicted out? This is why Judicial Watch puts out a list of financial records (those that have been obtained) of the federal court system’s judges’ for all to see and review (at the following link): And the cause and effect situation expressed here is exactly…

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Quiet Title Actions, Multiple Scenarios and Suspected Court Overreach

Excellent post. Yes, homeowners need education! Homeowners are waking up as 2020 election fraud tactics using patented computer algorithms, bribed politicians and judges, forged ballots and stuffed ballot boxes mirrors foreclosure fraud in so many ways. It’s not hard for a homeowner facing foreclosure to understand how rigged and corrupt the entire system had become.

Just like school loans (ARS), mortgages (MBS) were UNREGULATED DERIVATIVES that need to be wiped entirely off the books because of the swamped fraud and corruption for which they were created.

Clouded Titles Blog

(BREAKING NEWS, OP-ED) —The author of this post is a paralegal and trial consultant to attorneys on chain of title issues. The article is designed to educate and is not to be construed as legal advice or to attempt to draw any legal conclusions of law.

A Supreme Court of Iowa case came into my inbox this morning and after reading its 14 pages, it became a relevant topic for discussion here.

In this suit, the tax deed holder (ACC Holdings LLC), twice tried to sue the owner of record (Rooney). The Iowa Rules of Civil Procedure only allow for two “bites at the apple” (IRCP 1.943) and the second voluntary dismissal operated as an “adjudication on the merits” (in other words, by dismissing its own case twice, it blocked the Plaintiff from suing a third time by creating case law, based on a third filing of the same…

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OH, TENDER WOMAN – Should We Be Concerned About Our Household Water Supply Because of COVID?

The simple answer is – it “depends.”

Even if you haven’t watched any videos addressing water issues related to COVID or COVID spike protein vaccines, its likely your family and friends have been discussing the validity of various videos and health practitioners’ opinions about the safety of our water.

Or maybe you’ve read so-called “reliable” news stories that don’t provide much fact or evidence to refute the concerns.

How well do you know your potable water supply and wastewater systems? How do they disinfect your water supply? Chlorine, chloramines, UV? If you don’t know – it’s probably time you give them and call and ask.

On April 11, 2022, Stew Peters premiered Dr. Bryan Ardis’ controversial Watch the Water video to over 3.2 million views. Dr. Ardis discussed the facts surrounding his theory that the COVID vaccine spike proteins and snake venom were nearly identical, leading to his concern that – depending upon the batch of vaccine – it may be this venom-like spike protein causing death and wreaking havoc with our bodies.

Watch the Water with Dr. Byran Ardis April 11, 2022

Many news sources were quick to jump on this explosive exposé and dis the message, but as the week continued there were numerous accounts that came to light because of the serious nature of the message as its concerns us all.

Dr. Ardis pointed out that wastewater was being tested for COVID for predictability – and let’s face it, wastewater departments aren’t focused on anything unless there is a concern for its use or that it may contain a poison or carcinogen leaching into the aquifers that supply our water resources.

On April 22, 2022, The Maui News posted Agencies monitoring Hawaii wastewater for COVID-19. Hawaii is isolated and sometimes the perfect subject for testing as there is little else to interfere with the protocol. As it turns out,

“Federal authorities have begun monitoring Hawaii wastewater for COVID-19, while the state expects its own monitoring program to be fully operational this summer, officials said. The U.S. Centers for Disease Control and Prevention has been testing in the islands as part of its National Wastewater Surveillance System, the Honolulu Star-Advertiser reported.”

The Maui News, April 22, 2022

Apparently, Hawaii isn’t the only state of concern, “[M]ore than 30 states have been funded to participate in the CDC program, but some are still getting their collection efforts up and running.”

“The CDC says many people infected with COVID-19 shed viral ribonucleic acid or RNA in their feces even if they are asymptomatic. This means wastewater provides a collective snapshot of what’s going on in a community, regardless of whether people have developed symptoms or been tested.”

The Maui News

Yes, it appears shedding is real. Many have questioned what these wastewater programs are looking for and the most logical answer after reviewing various white papers on the subject, is that they are tracking the COVID spike proteins that apparently do not immediately (if ever) dissolve. How serious this is can only be answered by the scientists and doctors studying the results. But if you’ve ever researched the history of DDT (Dichlorodiphenyltrichloroethane) an insecticide used 50 years ago in agriculture, it is an endocrine disruptor which is a possible human carcinogen according to U.S. and International authorities (cancer causing agent).

“The United States banned the use of DDT in 1972. Some countries outside the United States still use DDT to control of mosquitoes that spread malaria. DDT and its related chemicals persist for a long time in the environment and in animal tissues.”

CDC Dichlorodiphenyltrichloroethane (DDT) Factsheet – Page last reviewed: August 16, 2021

DDT found its way into the aquifers through use in agriculture, governments, and “was developed as the first of the modern synthetic insecticides in the 1940s. It was initially used with great effect to combat malaria, typhus, and the other insect-borne human diseases among both military and civilian populations. It also was effective for insect control in crop and livestock production, institutions, homes, and gardens. DDT’s quick success as a pesticide and broad use in the United States and other countries led to the development of resistance by many insect pest species.” EPA “DDT – A Brief History and Status”

It was likely hard to discern where someone was introduced to DDT as its use was so widespread. In the 1950s, sprayer trucks floated down the streets in clouds of DDT mist to eliminate mosquitoes, crickets and other pests, with no thought of the public that was also covered in the mist.

The fact that the governments are again testing for COVID spike proteins in wastewater should logically tell you there is concern. Dr. Ardis was right to pick up on these facts – whether or not this is snake venom, the spike protein apparently mimics the poison. How long will it last? How infected are our wastewaters? Has it reached the aquifers? What are its immediate and cumulative effects? It may take years to get answers.

Pierre Kory, MD, MPA, Snake Venom and COVID-19 (April 16, 2022)

And Dr. Kory further adds with regard to Dr. Ardis:

This is where it gets dicey. If the governments’ wastewater systems are looking for the COVID spike protein and its identical to snake venom – they must be worried about our water supply and the leaching of the spike protein into the aquifers, lakes, oceans and beyond. Millions of people have been vaccinated and are taking boosters – how much spike proteins are they shedding into the wastewater? How long before it becomes (or has it already) become a problem in our potable water supply?

While people may be concerned about a direct hit on our water resources and while it may appear to be difficult to infect the water supply – think about millions of people shedding spike proteins into their toilets and it leaching into the aquifers infecting the potable water resources – hard to track down a specific culprit, yeah?

It takes a long time for a non-proactive government to take action, especially if it flies against their agenda.

For DDT, it took from the time President Kennedy ordered investigation in May 1963 after Silent Spring by Rachel Carson, American marine biologist, author, and conservationist caught his attention, until 1972 when the U.S. Senate banned the compound.

From all accounts it looks like UV denatures (renders ineffective) snake venom and spike protein. Remember the use of UV wands early in the COVID “pandemic”? You can be proactive and protect your own home and family. Attend your local water board meetings and ask questions. Volunteer for your local water board. Are they studying the water and wastewater? Are they using UV? Ask them to share their reports. Learn what types of disinfection they are using at the local level. Lean on your local City and County council members to get answers for you – ask for public hearings. The public has a right to know. Email your legislators, mayors and governors. Make it clear you want answers. Now.

In the last 30 years, water quality has become a well-known issue. A 1996 report from The American Academy of Microbiology, A Global Decline in Microbiological Safety of Water: A Call for Action Prepared by Timothy E. Ford and Rita R. Colwell, brought attention to the “increase in waterborne outbreaks, both in frequency and severity, has raised the visibility of water microbiology in the public domain.” Water quality is a serious problem that affects every single home, business, school and government office.

Water microbiology should be taught in high schools. Unfortunately, there are only about 3 professors nationwide that teach in-home water microbiology. And there is a lot to learn.

In the meantime, consider putting a whole house micron/UV filtration on your home water supply. A whole house micron/UV filtration system is a good idea whether or not we have a crisis. Think about adding a backflow protector at your water meter. You can leave any questions in the comment section below.

No one at DeadlyClear receives any remuneration for any products or links provided.


Every household should have a micron/UV filtration system (no carbon filter – although carbon media will filter out chlorine it can act like soil actually growing bacteria). UV and/or heat appear to be the best way to denature the spike proteins. There are numerous papers on the subject, and researching quickly for the easiest read to post: Inactivation of various variant types of SARS-CoV-2 by indoor-light-sensitive TiO2-based photocatalyst

We need chlorine in our home plumbing systems to keep down the growth of biofilms in our household plumbing. Many people think they want to eliminate chlorine but striking it from the entire household will be even more problematic. However, it appears chlorine alone will not denature the spike proteins. Studies show chlorine dioxide (ClO2) is an effective disinfectant – however, this requires professional personnel and oversight to administer and is usually used in a water treatment facility protocol.

If you want to eliminate chlorine for cooking and drinking, you can boil it for 10 minutes and that may also eliminate any volatiles. If you know your source water is stable – then 2-5 minutes of boiling is usually sufficient. If, for example, chlorine is in the water before you boil and you add the potatoes to the cold chlorinated water, when you bring the potatoes to a boil – the potatoes will absorb the chlorine – so bring water to boiling before adding food.

To get chlorine out of the shower look for a KDF shower filter – but be prepared to change it every 3-4 months. It won’t take out all of the chlorine, but it will lessen it significantly. We keep a pool tester in the bathroom and test the water for high chlorine content. If you are not showing any chlorine that could be as deadly as over chlorination. No chlorine reading – call your water department immediately. Just don’t eliminate chlorine altogether from the household plumbing.

The Blue Death (2007). This is an excellent book – reads like a sci-fi and is based on historical fact. The author is accessible – an excellent Epidemiologist PhD. “In this fascinating, sobering account, Dr. Robert Morris depicts the epidemics that have shaken nations, celebrates the scientists who reached into the invisible and ultimately saved millions of lives, and sounds a timely warning we dare not ignore about the natural and man-made hazards present in the water we drink.” From the devastating nineteenth-century cholera outbreak to the 2004 Washington, DC bacteria bloom from the addition of phosphate inhibitors to the water supply keep lead pipes from leaching, this book is a page turner of knowledge.

It will take all of us to raise the serious awareness of our water supply. Volunteer for a water board member position. Be part of the solution. Call your local water departments, mayors, legislators and ask questions. Demand answers and copies of studies. Ask specifically about the wastewater studies and demand to know what they find. The only way we can get action is for all of us to get active. Don’t just assume your water is safe because it is clear – it could be deadly clear.

Ginny Parsons is a foreclosure defense litigation paralegal. She served on the County of Maui, Hawaii Board of Water Supply 2002-2007.

Cyprus Haircuts Could Lead to Bank Runs Says Russia

Remember this? “It could happen here. One day you could go to the ATM or try to use your debit card at Walmart and “bingo!” no money – everything is frozen because your bank or its associated bank is about to go under.” Best to be prepared. Stock The Pantry. Deal Shopper.

Deadly Clear

CBS Cyprus VideoCypriots have taken a significant haircut losings a significant portion of their deposits. Without the new deal, all depositors would have lost funds. By striking a deal at least depositors with under $100,000 will be “fully guaranteed”.

Cyprus, with the agreement of Eurozone finance ministers, dodged a disorderly sovereign default and unprecedented exit from the euro by bowing to demands from creditors to shrink its banking system in exchange for 10 billion euros (equivalent to $13 billion US) of aid to prevent its banking system collapsing and keep the country in the eurozone. All Cyprus banks will remain closed until Thursday, the central bank has announced in a shock statement.

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RSN: Will the Peasants Go Medieval on Bankers?

Deadly Clear

February 10, 2022: Questions: Is the rush to vax to beat out the new COVID tests or the domino fall of the pension funds worldwide? Whose fault are the shortfalls aka pension deficits aka losses aka zero (0) funds? Now ask the title question.

“The pension industries in many countries are in a bad way. According to a Citibank report from 2016, the 20 largest OECD countries alone have a US $78 TRILLION shortfall in funding pay-as-you-go and defined benefit public pensions’ obligations. This shortfall is far from trivial. It is equivalent to about 1.8 times the value of these countries’ collective national debt.” CLICK HERE

Readers Supported News: By Washington’s Blog

While everyone from Tony Blair to Nouriel Roubini is debating whether or not bankers should be hanged, the Wall Street Journal and Bloomberg provide some fascinating historical context.
Dark subjects: A Red Saunders creation. This picture is…

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Hawaii union members hold news conference to discuss taking legal action against COVID vaccine mandate

This is a must see for everyone in Hawaii and other states with high pension deficits and experimental vaccine mandates for union employees.
By Sydney Sullivan

Take into account that it appears Hawaii has “gambled” the pension funds and has BILLION$ in deficits in UNREGULATED DERIVATIVES and bad investments. If they fire people it is likely these union members won’t get their pensions until retirement age – if they are even available at that time. If people quit now and take their pension funds from whatever they are using to make pension payments, might be better because they they might not see their pensions when they retire. Just a thought. Hawaii’s largest public pension fund hits a record $14B shortfall and State public funds’ shortfall hits $25B

“Shortfall” – laugh out loud. “Shortfall” –  a clever term for “we’ve lost your money”. It appears, as American Homeowners completely understand, it is more likely bad investments and gambling debts.

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“We do what we are told. If the people do not rise up, they will be defeated and the BlackRocks of the world will move in, buy up their foreclosed homes in bulk and turn America into a nation of renters.”

Once you research and understand who BlackRock and Vanguard are (Vanguard is the largest shareholder of BlackRock), and see them in the investment portfolios of the judiciary and politicians – you start to get a grip on reality. We are at war and foreclosure was just an early step in the playbook.

Clouded Titles Blog

(OP-ED)– The author of this post is the author of the book Clouded Titles (among numerous others) and proffersthis message for educational purposes only and in no way should this be construed as legal advice.

Why the foregoing number?

That’s how many counties, boroughs and townships there are in America that contain public land records.

I recently received a video interview which contains the commentary of John O’Brien (Southern Essex MA Register of Deeds) and Jeff Thigpen (Guilford County NC Register of Deeds), both of whom I know and respect. Both share the commonality with some not-so-notoriously known elected officials (Armando Ramirez (Osceola County FL Circuit Clerk) and Nancy Rister (Williamson County TX County Clerk) who, having audited their public records echoed similar sentiments.

“When I saw the results of the audit we did in Williamson County, Texas, I was overcome with the same level of feeling as if…

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Prepare for an Onslaught of Foreclosures

By Sydney Sullivan

Sometimes (most of the time) we have to wonder – whose bright idea was the foreclosure and eviction moratorium? Did they have no sense of consequence? The idea in and of itself was good at the time – but the execution leaves a lot to be desired. Why in the world would the Congress agree to a moratorium of mortgage payments be allowed to use a “forbearance” program?! Here we go again.


March 1, 2021
Office of Communications
Tel: (202) 435-7170

NEW REPORT FROM CONSUMER FINANCIAL PROTECTION BUREAU FINDS OVER 11 MILLION FAMILIES AT RISK OF LOSING HOUSING Federal foreclosure moratorium slated to end June 30, 2021 WASHINGTON, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) issued a report that warns of widespread evictions and foreclosures once federal, state, and local pandemic protections come to an end, absent additional public and private action. Over 11 million families are behind on their rent or mortgage payments: 2.1 million families are behind at least three months on mortgage payments, while 8.8 million are behind on rent. Homeowners alone are estimated to owe almost $90 billion in missed payments. The last time this many families were behind on their mortgages was during the Great Recession.

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Do Bank Foreclosure Attorneys Believe in Karma?

By Sydney Sullivan

The stories you are about to read are relatively true with some poetic liberties, the names have been changed to protect the innocent. God took care of the guilty.

Karma comes from the Sanskrit word, karam, or action. The Law of Karma talks about the consequences of our actions. Or in other words, cause and effect. You may or may not call it karma, but for most of us, we have one of the following ideas already implanted.

  • You reap what you sow –
  • What goes around comes around –
  • You get what you give –
  • Life always come “full circle” –

How does this apply to bank foreclosure attorneys?

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Well, Isn’t This Special…

By Sydney Sullivan

In the process of research for a homeowner in the throws of foreclosure hell, albeit stayed in moratorium for the purposes of COVID as a “Federally backed mortgage loan” pursuant to the 2020 Coronavirus Aid, Relief, and Economic Security Act (CARES Act), a little unknown gem of information surfaced.

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