Debt Strategies

answers ξ  Have questions regarding how to best deal with so-called creditors or debt collectors or mortgage issues or foreclosure? Send an email, including your name and phone# in your message. No legal advice provided, but someone will respond.

Personal Debt

Debt: Federal Reserve Bank: Two Faces of Debt^; Truth in Lending Comptroller's Handbook 12/96^; Fair Credit Billing Act^; Fair Credit Reporting Act^; Fair Debt Collection Practices Act^; Poor Man’s Class Action Lawsuit To Use Against Your Creditors and the Credit Bureaus^; Margaret C. Jasper - Law of Debt Collection, 1997^; How the loan scam works; Doctrine Of Debt Adjustment (And Set-Off), 3/18/12; Debt Truths; How to Put an End to Debt Collectors in 2 minutes, 12/23/15; Only way to truly eliminate DEBT is to realize DEBT doesn't exist in the first place - every loan is fraudulent, 8/25/17
Bureau of Public Debt: Mortgage Bankers’ Financial Reporting Form^

payment-modes Credit Cards: Consumers Shun Credit Cards - Credit Card Usage Drops, Debit Card Usage Rises, 9/8/10; Credit card piracy - the next shoe to drop; Colleges And Credit Cards, 9/8/10; More than 8 million drop out of credit card use, 11/29/10; Feds Warrantlessly Tracking Americans’ Credit Cards in Real Time, 12/2/10; DOJ's 'Hotwatch' Real-Time Surveillance of Credit Card Transactions, 12/4/10; DOJ powerpoint presentation on Hotwatch surveillance orders of credit card transactions; 59.9% Credit Card Interest Rates?!, 2/9/11; How NOT to Use a Credit Card – 10 Uses You Should Avoid at All Costs; Credit Card Debt Nears Toxic Levels, 2/26/12; Historic breach of credit card security reported at Global Payments!, 3/30/12; Discover Is Refunding $200 Million To Credit Card Customers, 9/25/12; National Bank of Canada foreclosing Americans' homes over credit card debt, 10/5/12; New Credit Card Fees Kick in Sunday, 1/26/13; 10 things NOT to do when you apply for a credit card, 4/9/13; BANCORRUPTCY, 5/31/13; Guy rewrites his own terms on credit card application, 0% forever and no limit, bank OKs the deal!, 8/8/13; Capital One: We Can Visit Cardholders at Home, Work, 2/18/14; Average credit card interest up to shocking 21%, 4/20/14; First Credit Card Ever, 4/4/16; Visa Unveils Plan To Burden Millennials With Billions In Debt, 5/2/16
EMV (microchipped) Credit Cards: Obama Signs Executive Order to Microchip All Credit Cards!, 10/18/14; Obama signs “BuySecure” initiative to speed EMV adoption in the US, 10/19/14


Credit Card Empowerment: How NOT to Use a Credit Card – 10 Uses You Should Avoid at All Costs; Can Stores Require an ID When I Pay by Credit Card?, 2/5/8; 5 Reasons NOT to Pay Them, 7/28/10; 10 things NOT to do when you apply for a credit card, 4/9/13; Guy rewrites his own terms on credit card application, 0% forever and no limit, bank OKs the deal!, 8/8/13

Debt: 7 debts you may not have to pay; Five Letters; Debt Truths; How the loan scam works; Doctrine Of Debt Adjustment (And Set-Off), 3/18/12
Unsecured Debt: Unsecured Debt Resolution; again

Debt Collectors: How to Put an End to Debt Collectors in 2 minutes, 12/23/15

Debt Validation: Debt Validation; Debt Validation - How to Deal With Collecion Agencies; FDCPA Section 809. Validation of debts [15 USC 1692g]; Debt collection calls require validation within 5 days; What does a debt collector need to provide? [Fields vs. Weber Law Firm]; Debt Validation Proof of Claim, 9/17/9; Summons response from debt collector who hasn't validated [Spears vs. Brennan]

Void Judgments: Void Judgments: 4 Secrets of the Legal Industry^

Suing Creditors/ Debt Collectors: Fields vs. Wilbur Law Firm; Debtorboards; How to Sue for False Credit Information, 5/23/13; Suing a Debt Collector? Now They Can Buy Your Lawsuit, 8/16/16

Handling Credit Bureaus: Credit Bureau Local Office; Do It Yourself Credit Repair Manual^; Bud Hibbs: American Credit System^; Leonard & Loonin: Credit Repair, 6th Ed^; Defamation of Character Lawsuit Against Credit Bureaus; Unfair credit report? Fair game for defamation!, 10/14/8; 7 Violations Credit Bureaus and Creditors Can Be Sued For


answers ξ  Have questions regarding how to best deal with so-called creditors or debt collectors or mortgage issues or foreclosure? Send an email, including your name and phone# in your message. No legal advice provided, but someone will respond.


Secured Debt Empowerment

080715x 042015r 021515p Mortgage: Hilliard: Law of Mortgages; Predatory Structured Finance^; Mortgage Fraud Resources; Trillion Dollar FUBAR; Amicus Curiae letter; Subsequent Purchase Electronic Copy, 2/7/11; Judgment in Nihil Dicit, 9/26/11; Force Judges to Rule in your favor in Mortgage Fraud Situation Conversations with Trvth; QE3 – Pay Attention If You Are in the Real Estate Market, 9/20/12

Droit Droit: What Federal Agency Regulates Mortgage Lenders?; Deposit Account Control Agreement

MERS: MERS Recommended Foreclosure Procedures, 2002^; William Hultman, Sec'y/ Treasurer, MERSCorp, 4/7/10; Mortgage Electronic Registration Service - FRAUD - Lawsuits - Stopping Foreclosures!, 7/15/10; Campbell vs. Baum, MERS, 8/17/10; MERS DEATH ZONE - Double Class Action Lawsuits Filed Against Mortgage Registration Puppet; MAN BEATS BANK - And Creates Mortgage Banking MERS Bomb - Lost Paperwork Means Free Homes For Borrowers; MERS Servicer Letter, 12/5/10 can stop a foreclosure or get payments cut in half, 1/27/11; BKR Judge Finds MERS Has No Right To Transfer Mortgages, Finds Entire MERS Process Illegal, 2/14/11; LIST OF LAWYERS DEFENDING HOMEOWNERS - MERS CASES of FORECLOSURE FRAUD; ROBO SIGNERS LIST

RESPA: RESPA LETTER

Patrick Rodgers: Phila. homeowner wins judgment against Wells Fargo over mortgage fees, 2/15/11; Philadelphia Man Forecloses On Wells Fargo, 2/17/11; Robb Ryder: robb's court of record


Foreclosure Remedies

softlanding 111416j66 Foreclosure Remedies: Foreclosure Defense Non-judicial States, 9/12/10; Procedures by State; More people representing themselves; Foreclosure Judge Who Gets It, 8/31/9; Judge upholds three-word foreclosure strategy, 5/29/9; Landmark Decision promises massive relief for homeowners and trouble for banks, 9/19/9; Ruling may help homeowners trying to avoid foreclosure, 12/8/9; Bruce McDonald Documents; Foreclosures update Secrets Revealed; Foreclosure Hamlet; U.S. Bank National Association v. Ibanez, 10/7/10; Why the Paperwork appears Sloppy, 10/19/10; 4 Questions to ask any Secured Debt Holder; Spot the Fraud; Foreclosure Fight Club Lawyer Letter; Foreclosure Fraud – Banks Offer No Consideration – 1969 Wins, 1/16/12; LIBOR Fraud Non-Valid Trust Foreclosure Defense, 7/8/12; Supreme Court ruling of Washington State (Fraud) Foreclosure victims can sue the banks via "Consumer Protection Act", 8/20/12; Stopping a Foreclosure – Adjunctive Relief, 9/23/15; Stopping A Court Case in 60 Seconds & Why it Works, 10/25/16

Judicial/ Non-Judicial:

Produce the Note: Produce the Note; Show Me The Note Baby; What if Your Lender CAN’T Produce the Note?; How to use “Produce the Note” in Non-Judicial Foreclosure States; Mortgage Servicer Must Prove Up the Original Note, 2/25/10; Separation of Deed of Trust from Note, 4/28/10; "Where's The Note" Update, 11/1/10; Example Of Bank Of America Refusing To Provide An Original Mortgage Note, 1/17/11

Foreclosure Defense Resources: 23 Legal Defenses to Foreclosure, 2008; Matt Weidner Blog; Stop Foreclosure Fraud; Operation Restoration: How to Stop Foreclosure; Stop Foreclosure Plan; FreddieMac Security Lookup; Download Foreclosure Defense Handbook: How to Fight Foreclosure and Stay in Your Home; WISCONSIN APPEALS CT: AURORA IS NOT OWNER OF NOTE — TRIAL COURT REVERSED, 3/25/11
Templates: Michael Rothermel: Mortgage Fraud Process; Stuart/ Rothermel files; How I reclaimed 3 of my houses free and clear legally in less than 90 days; Hard Questions for Secured Creditors; sample Deed of Trust; docs

4closureFraud: 4closureFraud; Instructions, Affidavit, Motion to Dismiss; Answer; Defendant's Memorandum in Opposition to Plaintiff's Motion for Summary Judgment; Trillion Dollar FUBAR: Order to Stay Foreclosure

Case Law: Credit River Decision, 12/7/68, 12:15p: Jerome Daly: The Man Who Humbled the Federal Reserve; Mortgage foreclosure precedence set in 1969 case of the "First National Bank of Montgomery V. Jerome Daly" by instrument of "Consideration." "And upon this revelation the court rejected the bank's claim for foreclosure and Daly kept his home"; Ibanez Case:U.S. Bank National Association v. Ibanez; Victory! - Ibanez Case Supreme Court Ruling Jan 2011; Mass. court ruling has potential to void thousands of foreclosures; Amicus Brief; Apocalypse Now? Will The Massachusetts Ibanez Case Unravel Widespread Irregularities In The Residential Securitized Mortgage Market?, 1/11/11


answers ξ  Have questions regarding how to best deal with mortgage issues, foreclosure and/or so-called creditors or debt collectors? Send an email, including your name and phone# in your message. No legal advice provided, but someone will respond.


slide42

    For Informational Purposes Only. No legal advice is given on any page of this website.