Monthly Archives: December 2017

What you don’t know could hurt you: Google censoring documents for the Banks?

Posted on by
Reply

Good advice.

Unknown's avatarLivinglies's Weblog

Chung v. CitiMortgage Fraud

By J. Guggenheim

Today, while researching an old CitiMortgage case where an employee committed perjury and CitiMortgage admitted to document fabrication (entitled Sun Ae Chung v. Just Mortgage Inc., Federal Home Loan Mortgage and CitiMortgage) the case disappeared and was no longer available.  This time last year, the case was readily available on three separate links that google immediately located,  but today the case was no longer available with a general google search.  Luckily, years ago I had copied the links, and downloaded the case- or I might never have found it.

This isn’t the first time while researching a lender, especially CitiMortgage and Bank of America, where cases, documents and county records have disappeared from google.  It is evident that the banks are unduly influencing google to remove any document that could adversely impact one of the big banks or assist a homeowner.

At LendingLies…

View original post 163 more words

Don’t get Grinched by opportunistic Servicers

Posted on by
Reply

Here is a map where the majority of states allow you to record phone calls with only one party (you) knowing that the call is recorded. https://deadlyclear.wordpress.com/2013/04/15/is-it-legal-to-record-the-banks-phone-call-or-conversation/

It’s much easier to write your follow-up letter if you have a recorded conversation to work from – and most attorneys advise to write the servicer a follow up letter, especially when a recording might not be admissible in court. Keep all your correspondence, including statements organized. If you are unorganized in everything else in your life, make your mortgage loan your priority in organization. The correspondence you keep, may save your home.

Unknown's avatarLivinglies's Weblog

the-grinch-stole-christmas-christmas-paintings
By LendingLies Staff
A trusting couple in Ohio experiencing financial issues fell for a servicer’s bogus promises.  When the husband lost his job several years ago, he fell behind on his mortgage and foreclosure loomed on the horizon.  After deciding they could no longer manage the payment, the couple reached out to their servicer to discuss possibilities like a deed in lieu of foreclosure, or cash for keys.
 The servicer convinced the couple that a  “deed in lieu of foreclosure” would provide a fast solution. This option allowed the homeowners to give the servicer a deed to the home, saving them the expense and time of going through the foreclosure process.
In this case, the borrowers were asked to release any claim for a deficiency in return for $3,000 through a “cash for keys” offer to defray the cost of moving.

The couple proceeded to move out by the deadline agreed…

View original post 236 more words

Serial Filings That Block a Creditor: Better Not to Obtain More Relief Than You Need

Posted on by
2

Just a side note: There are more efficient ways to deal with foreclosure rather than use the bankruptcy courts.

BankruptcyRealEstateInsights's avatarBankruptcy-RealEstate-Insights

In re Ross, 838 F.3d 779 (3rd Cir. 2017) –

A debtor filed bankruptcy to block a foreclosure. When he sought to voluntarily dismiss the case, the bankruptcy court granted the request but also enjoined him from filing at any time in the indefinite future. The order was appealed first to the district court and then to the Third Circuit.

View original post 1,085 more words