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THE NEIL GARFIELD SHOW

THE NEIL GARFIELD SHOW

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Host and world renowned financial expert, attorney and blogger Neil Garfield provides in-depth commentary and analysis of illegal foreclosure actions against Homeowners. Defense tactics, strategies and advice for legal defenses are shared with homeowners, who either represent themselves or get help from our attorney network.
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Real Estate Talk LIVE Show

Tony Martinez/Omar Arcia

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Real Estate Talk LIVE Show!The show features industry experts cover all facets of the Real Estate market; news, trends, investments, loan modifications, foreclosure defense and much, much more.Hosted by Tony Martinez, Nationally acclaimed speaker, real estate broker, coach and real estate expert.
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Michael W Lanier Attorney retrofitted his entire operation to meet the needs of the North Florida community through loan modifications, foreclosure defense, loan forensics, credit repair, and credit restarts. In 1998, Michael W Lanier attend law school at night while working as a mortgage loan officer for some of the country’s most prestigious banks and lenders. He worked as a mortgage professional for several years, as well as conducting real estate closings and settling title issues.
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Nothing in Lou Brydge’s Show Podcast is intended to be legal analysis, legal advice, or legal recommendations. Everyone in foreclosure or underwater with their mortgage is encouraged to seek legal counsel for a review of your specific situation. Welcome to the podcast series of the Lou Brydges Show, telling the truth about the foreclosure crisis and the greatest financial crime spree in history. Here's your host, Lou Brydges
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From his start as an investment banker with expertise in securitization to his earliest days as a trial attorney Neil discusses the evolution of foreclosure actions by lenders. Of particular interest is how Neil speaks to how they have been able to veer away from the traditional rules of evidence and discovery to foreclose on unsuspecting homeowner…
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Michael W. Lanier has spent the majority of his career in real estate law, but started his own company in 2006. Using loan modifications, foreclosure defense, loan forensics, credit restoration, and credit restarts, he completely redesigned his company to meet the needs of North Florida.By michaelwlanierattorney
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In adolescent court procedures, youngster advocate attorneys will arrange court administrations with local area assets and offices that give treatment projects or help to any minor that needs liquor or chronic drug use therapy or different types of advice. Michael w Lanier Jacksonville is among the best lawyers that are assisting and guiding numero…
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On the off chance that you can employ the best legal counselor, they can assist you with getting help from issues, for example, separate from related cases and some property-related matters. You could consider proficient lawyers like specialist Michael w Lanier Jacksonville to get great direction for your case.…
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Legal counselors are there to help when an issue turns out to be too large even to consider taking care of all alone. Sites and the neighborhood bar affiliation are only a few of the extraordinary assets out there. "If you are also looking for a lawyer to assist you in the best possible manner, then we would endorse you to take the assistance of Mi…
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Finding a legal counselor who will help you out is to know as much about them expertly as could be expected. You need to comprehend how long they have drilled and what their specialty truly is. Another insightful aspect is that you might find somebody who is more out for the addition they will get instead of the increase you will get. Michael W Lan…
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Tonight I share my thoughts on strategies and tactics that will put your opposition on its heels and probably result in an outright win for homeowners and virtually all consumers who have a written contract for installment payments. We start with the premise that virtually all such transactions are securitized. I will talk about the many opportunit…
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The Federal Trade Commission offers complete identity theft protection, including medical identification fraud, cyberfraud, and two-factor authentication fraud protection. You can get in touch with Michael W Lanier Attorney. He can provides you best ideas for the protection from Identity theft.By michaelwlanierattorney
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The simple way to remember all this is that a business record must be a record of business actually conducted by the record keeper. Anything else is hearsay and must be secluded from evidence. But there is another rule that has been used to defeat this premise and the strategy has been successfully employed. By getting the homeowner and the attorne…
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Now the the Eviction and Foreclosure Moratoriums have been lifted, can we expect another wave of foreclosures? What other factors are work that can bring this about? Tony Martinez, Real Estate Broker and Owner/Author of the Certified Distressed Property Expert (CDPE) training course and designation, makes his case. You Listen, You Decide!…
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So the Defense in your case is that there is no claim, that the named designated claimant is a nominee and has no claim, and that the designated company claiming to be a servicer is not servicing (i.e., it does not receive, account for or disburse payments from homeowners) and has no authority to declare a default much less prove that a default occ…
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Lawyers have a job. Their job is to do the best they can at advancing their client's position-- within the bounds of the law. This usually involves a fair amount of bluff and any successful lawyer will tell you that it requires a great deal of knowledge, only part of which is imparted (and even less retained) in law school. Tonight we will talk abo…
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Foreclosure trends for 2022 are developing ever rapidly, and here are some of the most significant ones: - Home Values continue to rise in many places, disproportionate to historical trends, and loan amounts taken out by homeowners, either in refinances, or new home purchases, have likewise reached historical highs, setting the table for a scenario…
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We start getting down to specific arguments that can be made to judges and specific testimony from the forensic expert that would likely succeed in educating the court --- as Bill has repeatedly done in the past. No lawyer can proceed with a defense without knowing the weaknesses in the case against his or her client. Most lawyers proceed without t…
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In a remake of technologically challegned Thrusday broadcast --- Behind the scenes, I have been having extensive telephone conversations and email correspondence with Bill, Charles, and other parties interested in the content and the radio show format. Tonight Neil, Charles, and Bill will all be on the same show to discuss what is next in the fight…
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Behind the scenes, I have been having extensive telephone conversations and email correspondence with Bill, Charles, and other parties interested in the content and the radio show format. Tonight Neil, Charles, and Bill will all be on the same show to discuss what is next in the fight against foreclosures and defamation of homeowner titles. We will…
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Tonight I will explain why securitization claims are just simply a PONZI scheme and what that means to the ordinary consumer/homeowner (and "borrower") in any consumer transaction. But let's start with this, as a checklist of items we will cover tonight: ESSENTIAL ELEMENTS OF A SUCCESSFUL PONZI SCHEME Exponentially increasing liabilities --- i.e., …
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An LLC (limited liability company) offers legal cover similar to that of a legal business but also possessing the tax structure of a sole ownership. The most significant advantages of an LLC are in the areas of income and accountability, yet, apart from a corporate, an LLC can only be formed for a short term. Go with Michael W Lanier Attorney to kn…
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WE ARE TRYING A NEW FORMAT TO BE MORE INFORMATIVE AND TO DO A BETTER JOB AT EDUCATING HOMEOWNERS AND FORECLOSURE DEFENSE ATTORNEYS. CASE BY CASE ANALYSIS EACH 45 MINUTE SHOW PICKED FROM REAL CASES THAT ARE TRIED, DISCUSSED, AND DECIDED BY OUR PANEL. If you wish to submit your case for review please submit the case review form. If your case is selec…
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As a follow-up to our FREE presentation CLE webinar on Prelitigation Strategies and Practices, we offer an open mike Q&A on tonight’s show. Please think about your questions in advance and refrain from long monologues about your case. Here is the obvious premise of this work: If as a consumer you have executed a promissory note and mortgage (or dee…
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The legal case of US Bank (trust) v. UBS (United Bank of Switzerland) Real Estate was decided in 2016 in SDNY. The order following decision extends for literally more than 100 pages. The gist of the case is that US Bank went after UBS because of the poor loan quality of the loans making up the pool of investement mortgages in the PSA put together w…
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It was pure serendipity. There are three areas of expertise required to understand the current developments in the lending marketplace: Investment banking and the sale of securities Accounting and auditing Trial Law That has been my life since 1964 when I was just graduating high school. As I moved through careers, I was creating the perfect resume…
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Now that the various foreclosure and eviction moratoriums have either ended, or are on life support, it is more important than ever for homeowners in or near foreclosure, to exploit the papertrail created by servicers and purported mortgage note holders to carve out the details of what is in, and not in, these debt representation letters. As has be…
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Nearly all consumers think they're litigating or dealing with banks when in fact they're not. Tonight we look at basic elements of winning based upon 16 years of experience, research, and data collection. Here are some of the highlights: Consumers who hurl accusations at the banks are sealing their own doom. The basics of every successful defense c…
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Bill Paatalo joins Host Charles Marshall on the Neil Garfield Show today to break down with Charles a recent case handled by Bill on the invesitgation end, in which Bill was able expose a major deficiency in the servicer/lender's case. Additionally, Charles will address the latest on the Covid front, including updates on how foreclosures and unlawf…
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In the last show, we talked generally about how the promissory note morphs from a promise to pay a debt into a security that is simply an agreement between someone who does not own the debt and someone who will get paid because of a securities scheme. As James tells it the note is transformed into a security that is essentially irrelevant in any cu…
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You have often heard me speak about how the foreclosure mills want to talk about the note but foreclosures are about the mortgage or deed of trust. Those are governed by two sets of rules or laws that were adopted in all U.S. jurisdictions from the Uniform Commercial Code. Article 3 governs negotiable instruments which usually include promissory no…
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Bill Paatalo joins Host Charles Marshall to discuss the coming foreclosure tsunami, which looks to finally start landing in a big way in October or November. The major solution for homeowners and those whose houses have gone to sale, is to seek safe ground now or shortly, rather than waiting for the inevitable. In both judicial and non-judicial for…
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The typical case against the homeowner involves the participation of a company claiming to be the servicer. While the company might perform certain functions of the statutory definitions in the regulation of "servicers," it is actually rare that it is the recipient of money paid by homeowners and even more rare that it is the disburser of payments …
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Licensed Private Investigator Bill Paatalo in a Blog post from just yesterday Sep. 8, highlights the case of mortgage servicer New Residential Investment Corp (New Rez), using trusts to enforce their mortgage servicing rights --- since so many states otherwise require mortgage-related entities who purchase, hold, enforce or sell residential mortgag…
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The laws of men on Wall Street are pushing out the laws of the country. It is time we pushed back. There are no laws of men — not in this country! Fighting ghosts is challenging but not impossible. Ask anyone who has been required to deal with what they thought was their loan account and you get the same answer. You never get to speak to anyone in …
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Bill will discuss on the Show today how a blanket lien granted by the OTS just prior the WAMU BK receivership of 2008 was used by the FDIC to in effect use the bk process to enable the conveying of title to the WAMU mortgage loans transferred through the BK to Chase, whereby same title was 'as is', with no warranties as to enforceability, collectib…
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Regular people think that going to court is winning a point and finding vindication in the judgment of the court. But lawyers know that going to court is all about keeping in control of the narrative. So it should come as no surprise when people feel railroaded because they know or understand that the opposition has no case against them. They still…
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Very promising development out of New York State. A principal issue in the case was whether the foreclosing party (mortgagee, the typical designate in a judicial foreclosure state) possessed the subject note before commencing the foreclosure process, and whether it had complied with serving statutorily required notices prior to initiating the forec…
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Most people are thinking theater. Perry Mason. Some point in litigation where someone admits to being a lying thieving murderous scoundrel. That doesn't happen in real courtrooms for the most part and it certainly does not happen in foreclosure cases. Homeowners are looking for both redemption and vindication, neither of which is the business of th…
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The latest trends of 2021 will be addressed today, with a focus on non-judicial foreclosure states and actions, in the following legal areas: - civil litigation state, - litigation Fed, - appellate practice both state and Fed, - unlawful detainer practice, aka post-foreclosure eviction lawsuits, - bankruptcy practice. All to be examined through the…
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I often have exchanges with frustrated homeowners that end up like this one received recently: “That leaves everyone doing nothing and allowing the banks to prevail. Your posts are very inspiring ( like a carrot) but then very discouraging ( your answer) when there’s no one willing to help the cause. We’re supposed to have real answers/ solutions t…
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Bill Paatalo dissects an assignment of mortgage loan interest to a 'WAMU trust', a possible legal nullity after the 2008 WAMU BK liquidating WAMU's legal interest in their mortgage loan portfolio. Then Bill further dissects a double reconveyance situation, which again involves WAMU and US Bank. Charles Marshall will weigh in on these issues as well…
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If you learn anything it should be this: cases are not won or lost based upon the merits of each side. They are won and lost based upon perception and procedure. Everyone already knows what I have been teaching for decades, Winning cases is about working the system not about being right. That is exactly why hardly anyone trusts the system or lawyer…
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Bill Paatalo will join host Charles Marshall to discuss how lenders behind securitized trusts such as US Bank, has no contact with the so-called certificateholders who would presumably possess bona fides to confirm the status pariculars of the mortgage debt. Moroever, certificateholders cannot even be identified typically, nor can accounting of pay…
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