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Octomom Facing Foreclosure – A Stop Foreclosure Lesson For All Consumers

September 22, 2011 By Vanessa Duvale

Nadya Suleman, better known as “Octomom,” has been in the news for many things over the past few years – most notably giving birth to her octuplets, a failed attempt at a celebrity bikini car wash, numerous plastic surgeries, and other attempts at trying to capture some fame and money. But now she is in the news because of her home in Orange County, soon former home. The mother of 14 hasn’t made a mortgage payment in over three years and is now facing foreclosure on the property that she has let go to shambles.

This is an example of exactly what homeowners should not do. She has not done any research or investigation on the property or the alleged Bank who currently holds the mortgage to establish a potential stop foreclosure defense she could raise in order to fight foreclosure and stay in her home. For the past three years she hasn’t built a stop foreclosure defense or made any attempts to keep the property, she has obviously just “let it go” and is fine with giving it back to the Bank or Pretender Lender who doesn’t deserve it. Again, a classic example of what not to do.

The sad fact is that if she did some research and investigation, or hired a legal representation to do it for her, there is a good probability that they would have been able to build a solid foreclosure defense and uncover some elements of foreclosure fraud. With over 85% of the mortgages in the United States securitized and not properly recorded, many homes have broken chains of title making it extremely difficult for any Bank or Pretender Lender to establish they have the legal right to foreclose. Even more common today is the rampant foreclosure fraud that has swept the nation. “Robo-signers,” missing and fabricated mortgage assignments and documents, invalid dates and notaries, and many other factors make it even harder for any Bank or Pretender Lender to seize someone’s home.

To learn more about Quiet Title, Securitization, Uniform Commercial Code, and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

ForeclosureFraudExposed.com is the leading website that provides consumers’ with a complete A-Z step by step stop foreclosure defense tutorial library backed with case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about Securitization, Uniform Commercial Code, Quiet Title and the various other successful methods available to Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

Filed Under: Business, Featured Releases, Finance, Home & Garden, Uncategorized Tagged With: california stop foreclosure, foreclosure defense, foreclosure fraud, stop foreclosure

Stop Foreclosure Defense – Important Things to Be Aware Of

September 13, 2011 By Vanessa Duvale

Consumers who have decided to fight for their home and embrace stop foreclosure defense methods either on their own or with an attorney are on the right path, but have many important things to be aware of. The foreclosure fraud that has permeated the housing market is not just limited to the big banks, servicers and pretender lenders. Foreclosure Defense Attorneys themselves have been found to be “double dipping,” meaning simultaneous employed at the Banks and as a foreclosure defense attorney for consumers, which is a clear conflict of interest.

If you are one of the hundreds of thousands of consumers facing foreclosure fraud, then you are well aware that stop foreclosure defense is nothing to take lightly. A good foreclosure defense can mean the difference between saving your home and losing it. According to Rick Haughton of ForeclosureFraudExposed.com, the key to success for consumers fighting to stop foreclosure is belief, information and action. “Whether consumers are screening attorneys to represent them, or have decided to represent themselves in their foreclosure fraud matter, consumers must be willing to put the leg work in themselves, thereby ensuring that they have a solid foreclosure defense and that all “T”s are crossed and “I”s are dotted.”

Haughton further states that if a consumer has decided to seek legal aid, proper screening of each prospective attorney must be conducted with tact. Seeking representation has little to do with cost, and what most legal aids fail to mention is that costs can be recouped on the back end once a victory has be gained. “This means requesting all past foreclosure case losses and victories, as well as determining whether any potential conflicts of interest exist,” stated Haughton.

Consumers would be surprised how many alleged professionals work for the foreclosing parties while “moonlighting” as foreclosure defense attorneys on the consumer side.

Knowledge is true power when it comes to stop foreclosure defense and establishing a solid case. By knowing the facts about foreclosure, contract laws, the foreclosure process, and the many options available to stop foreclosure, consumers can empower themselves to act from a place of information and belief verses doubt and fear.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

Filed Under: Business, Careers, Celebrities, Education, Featured Releases, Finance, Home & Garden, Politics, Uncategorized, World Tagged With: foreclosure defense, foreclosure fraud, foreclosure news, foreclosure process in california, foreclosure process in florida, lis pendens, notice of default, quiet title, stop foreclosure

Quiet Title: An Offensive Weapon To Stop Foreclosure Fraud

August 21, 2011 By Vanessa Duvale

Quiet title is an offensive weapon to Stop Foreclosure Fraud that closes any disputes over claims, encumbrances, or liens to a property. This legal action is resorted to put to court the eligibility of the claim in a property and let the law scrutinize and decide whoever must own the property. In instances involving foreclosure fraud, a quiet title action could be the greatest offensive action a consumer could take if the desired goal is to stop foreclosure and save the home.

The plaintiff of a quiet title action can either be the owner of the property being defended or a lien- holder who claims that the property should be theirs to own. After the decision is made by the court, all the records will then be put to account in the property’s title registry as well as the civil court clerk’s office to solve whatever further impeding disputes that might come again. According to ForeclosureFraudExposed.com, a quiet title action is brought to remove a cloud on the title so that plaintiff and those in conflict with her may forever be free of claims against the property.

The grounds for a consumer to file quiet title action are numerous and they vary depending on the foreclosure situations. The more common reasons for consumers to seek quiet title action deal with adverse possession, where the true and real party with interest wants to the full possession of the property; Torrens title registration: an action which terminates all unrecorded claims; treaty disputes between nation boundaries; surveying errors; and fraudulent passage of property caused by a possible coercion or falsified deeds, transfers and assignments such as in cases that involve Mortgage Electronic Registration Systems and other Pretender Lenders.

According to ForeclosureFraudExposed.com, for consumers’ nationwide who have attempted and failed to stop foreclosure fraud, the biggest factors in most instances of failure were due to a consumers’ lack of preparation, research, and understanding of the facts in their arsenal of legitimate evidences. Whether the consumer fighting to stop foreclosure fraud is new to the various aspect of foreclosure offensive and defensive techniques or a savvy professional that practices in this specific field, the most valuable piece of information to keep in mind that in order to have a solid plan attack to stop foreclosure fraud, a consumer or savvy professional must have a solid plan of defense lined with all evidences of foreclosure fraud.

Preparing to stop foreclosure fraud with a quiet title action, although time consuming, can be a rewarding experience if the evidences in a consumers’ claim are valid and structured properly. A consumer or savvy hired professional has to take in mind all the miniscule details like visiting the Register of Deeds, combing through all files to find out if the loan made was securitized, and checking and double checking all documents on record for any traces of fraud. Furthermore, a consumer must also be willing to do extensive case studies research to determine the best case strategy that matches their situation and has provided victories to other consumers’ who have fought to stop foreclosure fraud on the same grounds.

According to ForeclosureFraudExposed.com, keeping note of all points mentioned above will serve as a great factor in delaying and stopping foreclosure fraud, while placing the consumer in the best possible position to come out victoriously.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

Filed Under: Celebrities, Education, Finance, Home & Garden, Uncategorized, World Tagged With: foreclosure defense, foreclosure fraud, foreclosure help, quiet title, quiet title action, stop foreclosure, stop foreclosure in california

Consumers Nationwide Fight To Stop Foreclosure Fraud and Uphold Constitutional Rights

August 10, 2011 By Vanessa Duvale

Consumers throughout the United States fighting to Stop Foreclosure Fraud have made what appears to be an all out attack to defend not only their properties but their Constitutional Rights, specifically the Fourteenth Amendment, which was passed during the “equality movement” and Civil Rights Act of 1866.

The Fourteenth Amendment to the United States Constitution was given birth on July 9^th, 1868 as one of the Reconstruction Amendments. In these Reconstruction Amendments, the all important Due Process Clause came into existence. The Due Process Clause was created to prohibit states and local governments from depriving persons of life, liberty, or property without due process of law. Ironically enough however, Pretender Lender Banks attempt invalidate consumers rights and the Due Process Clause through negligence, misrepresentation and blatant theft of property.

According to ForeclosureFraudExposed.com, this blatant act is what’s known as Foreclosure Fraud and consumers throughout California, Florida, Michigan, Illinois and the rest of the great states have woken up to this fact. The fact still remains however that if efforts to Stop Foreclosure on a united front aren’t continued, Constitutional Rights and Civil Liberties will disappear, throwing consumers back into the pre Civil War Era.

The Foreclosure Process is constructed by a set of rules administered by states under what’s known as judicial and non judicial law. Under these established laws, Pretender Lender Banks attempt to by-pass the administrative process and accelerate the foreclosure process. This by-pass or acceleration without perfect compliance and notification to the consumer is Foreclosure Fraud and this act invalidates the Fourteenth Amendment Due Process Rights of consumers.

Rights and civil liberties are threatened each day and when consumers don’t take time to properly educate themselves on the foreclosure process, the administrative process, and state regulations. Consumers have the right to remain silent, but silence alone is often times construed with admission or the acceptance of an act, which is the biggest mistake found in surveying consumers facing foreclosure.

Thousands of consumers have successfully fought to stop foreclosure, yet tens of thousands more are still affected by foreclosure fraud each month because of blatant ignorance. According to ForeclosureFraudExposed.com that also is a crime on the part of the consumer. As a consumer it is your responsibility to educate, research, and understand the foreclosure process. Often times, consumers chalk up their success or failure to stop foreclosure to hired legal representation. While this serves as a valid option, what must be clear in the eyes and minds of the consumer is that Foreclosure Fraud and Due Process Rights are subjects that were not covered on the bar exam, therefore it’s the consumer who must have a strong fundamental understanding of Foreclosure Fraud and how their rights were invalidated. This is a process that thousands of successful consumers have taken to stop foreclosure and save their homes; and this is a process that works.

ForeclosureFraudExposed.com is an Exclusive Members’ only website that has compiled step by step foreclosure defense video guides and case victories based on information that has helped 1000’s of consumers Stop Foreclosure and Save Their Homes.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

Filed Under: Business, Education, Finance, Home & Garden, Politics, World Tagged With: foreclosure defense, foreclosure fraud, foreclosure process in california, foreclosure process in florida, how to stop foreclosure, stop chicago foreclosure, stop foreclosure, stop foreclosure fraud

Stop Foreclosure Fraud the Quiet Title Way

August 2, 2011 By Vanessa Duvale

Whether you’re a Pro Se litigant fighting to stop foreclosure fraud or a experienced Legal Professional expanding to the practice of foreclosure defense, the important thing to understand when fighting against foreclosure fraud is that in order to have a proper offense, you have to have a solid defense.

According to ForeclosureFraudExposed.com, if the Pooling and Servicing Agreement is seen as the Bible to the Uniform Commercial Code, then Quiet Title is the Messiah. Stopping foreclosure fraud begins with taking defensive measure to prepare and get all ducks in a row. This means going through all preliminary stages of information gathering, such as visiting the Register of Deeds, determining if a loan was securitized, inspecting all documents on record for evidence of fraud, and then doing extensive case study and state law research.

Far too often, Pro Se litigants and Legal Professionals alike, suffer severe setbacks and losses due to improper preparation, research, and understanding of the facts, while demonstrating an even greater inability to master the structure and tact needed to evidence a claim. There are several reasons for these gaping mistakes that are felt nationwide. The fact still remains however, that regardless of structure and tact, foreclosure fraud is fraud; and fraud on a consumer is fraud on the judicial and non judicial court system too.

According to ForeclosureFraudExposed.com, if a consumer takes time to properly survey stop foreclosure fraud victories across the country, the unanimous conclusion will be that the majority of victories have been won on the offense. Quiet Title is no different. Quiet Titles clear specific issues such as broken chains of titles on home loans and serve a primary purpose of eliminating any and all clouds, thus allowing the property to be free of all liens. The benefit of this offensive maneuvering is that the true and only party left after the dust settles is the consumer.

Quiet title is a course of action brought into a court with authority to hear land disputes to establish a person’s claim or title to a particular piece of property, against anyone and everyone who might have any encumbrances, liens or claims thereto. This legal action seeks the court to go into an arrangement wherein the Judge will approve the Final Judgment that proclaims the entitlement rights of the parties involve relative to a specific piece of real property. This same Judgment is recorded in the title registry as well as in the civil court clerk’s office.

An action to quiet title is resorted to when there are various individuals or parties claiming conflicting rights to the same piece of property. To settle the allegations and quiet all other false claims thereto, this impartial legal action is brought to court to resolve as to the title of such a parcel of land in question. The court resorts to a quiet title action to prevent multiplicity of cases for all claimants and interested parties to one such specific property.

The one who files the lawsuit is thereby called the Plaintiff. Said person can either be the owner of the property or another lien-holder who deems that other title encumbrances are mediocre or null compared to the one they are holding, or is defective in a sense. Other grounds for the filing of an action to a quiet title may originate from the following grounds, adverse possession where the new owner take legal action to get hold of the title in his own name; Torrens title registration, an act which ceases all unrecorded assertions; fraudulent passage of a property, possibly by coercion or falsified deed. Grounds for such legal action may include disagreements regarding boundaries of states, towns or private properties and errors in surveying.

In all cases of such a legal action, the Plaintiff should prove to the court that his claim to the specific property in question excelled that of other claims. Further arguments should be made that the title is invalid by the lien that appears in the title registry through a deed of trust or mortgage deed.

For instance, there is a recorded lien in the title registry of the property you have a title to, in favor of another party, i.e. Mr. Y. The plaintiff must prove that since there was no money payable to Mr. Y, then no obligation therefore exists, hence the lien is invalid. In inference from such information, there is no document therefore that could be presented to support a non-existent debt which means, that the mortgage lien is supporting an obligation that is just perhaps a figment of an imagination. The action to quiet title is merely a legal action that declares without doubt as to the real claimant of such property, eliminating all other encumbrances and liens to it.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

Filed Under: Careers, Education, Finance, Home & Garden, World Tagged With: foreclosure defense, foreclosure fraud, foreclosure help, foreclosure process in california, quiet title, securitization, stop foreclosure, uniform commercial code

Stop Foreclosure Fraud Backfiring on Lenders – Where Are the Buyers?

August 1, 2011 By Vanessa Duvale

For millions of consumers that have been robbed of their homes due to foreclosure fraud and the illegal practices alleged Lenders used to seize properties, it seems like a rather ironic twist to the tale. Saddled with millions of homes that cannot be sold and the increasing cost of maintenance, the alleged Lenders are resorting to a unique solution to their problem, one which their foreclosure fraud tactics would not have forecasted.

With over 1.7 million homes currently in some stage of foreclosure and more currently on the market, it would seem that no one wants to pick up another house. Sure, there is an investor here and there that will pick some up, but there is not enough demand in this down market and economy to make a dent in the numbers. Pretender Lenders who were quick to use any means necessary, including foreclosure fraud tactics to foreclose and steal homes from millions of consumers are now faced with empty lots, sub-divisions and the hefty expense of maintaining properties that for the most part have simply been “let go” and are now uninhabitable and broken down beyond livable conditions. The abandoned expenses have become so great, coupled with the compounding by the sheer numbers of home units that many alleged Lenders are now deciding to demolish and donate back the land, taking advantage of IRS tax codes to help offset expenses.

Pretender Lenders apparently thought that even with a depressed economy, low consumer confidence and rising unemployment rates that their surplus of foreclosed homes would be snatched up. They were wrong. Foreclosure fraud clearly has not paid off for them, and many alleged Lenders are resorting to simply writing off whatever expense they can for simply donating bulldozed land back to local communities and organizations.

Consumers currently in the foreclosure process or facing foreclosure have an opportunity to save their home from foreclosure, foreclosure fraud and seeing their home be bulldozed. In the majority of cases throughout the country, the alleged Lender has not demonstrated legal proof that they have the right to foreclose. The use of robo-signers, fraudulent documents, missing and invalid assignments, securitization and other elements can render a mortgage invalid, and means that no one can legally foreclose on a property.

A successful defense to stop foreclosure fraud begins with a strong offense. This includes learning step by step what elements of fraud exist on your property, followed by the gathering of supporting case structure of other homeowners who have fought against foreclosure fraud and proved victorious. Far too often, consumers have simply just allowed the fraud to continue. The fact remains that unless action is taken, and taken by the masses, the fraud will only continue.

To continue reading the rest of this Article, and learn more about how to Stop Foreclosure and Save Your Home, please visit: ForeclosureFraudExposed.com

ForeclosureFraudExposed.com is the Internet’s leading, most detailed and organized foreclosure defense website, helping 1000′s of homeowners understand the foreclosure process, locate their securitized loan, and learn the various ways to fight and stop foreclosure and save their home.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com

Filed Under: Careers, Education, Finance, Home & Garden Tagged With: foreclosure defense, foreclosure fraud, foreclosure process in california, foreclosure process in chicago, foreclosure process in texas, stop foreclosure, stop foreclosure fraud

Stop Foreclosure Fraud – “Robo-Signing” Still Continues

July 20, 2011 By Vanessa Duvale

You might think after being in the spotlight for foreclosure fraud and Robo-Signing since last fall that the country’s major Banks and Lenders would stop their illegal practices, but they haven’t. Even after they vowed this past March to stop their illegal foreclosure practices, some of the largest Banks, including OneWest, Bank of America, HSBC Bank USA, Wells Fargo and GMAC Mortgage, have produced questionable foreclosure documents nationwide.

In recent months, Reuters has found nearly ten “robo-signers” who have further perpetrated foreclosure fraud for the major Banks. Each of them have signed thousands of foreclosure and mortgage documents regarding ownership of a home and provide evidence in court for who has the legal right to foreclose. Mind you, these are the same people who in court have admitted to signing documents that they have never seen or known the details of. Judges nationwide have taken notice, many of whom have openly called out the foreclosure fraud and questionable activities of robo-signing employees. In a recent New York case with HSBC, a judge called out the “robo-signer” Christina Carter and went so far as to threaten HSBC’s chief executive officer with sanctions for the illegal actions.

According to ForeclosureFraudExposed.com, the issue at hand is much larger than just the foreclosure fraud committed by “robo-signers.” Banks still fabricate documents and assignments in order to justify foreclosing on hundreds of thousands of Americans. In many instances, assignments take place after foreclosure proceedings are filed, so in order to validate them after the fact Banks and Pretender Lenders backdate documents. The discrepancies are widespread and raise many questions while more and more courtrooms embrace that foreclosures involving foreclosure fraud, missing or erroneous documentation constitutes an invalid foreclosure. One landmark case illustrating this came out of Massachusetts this past January (US Bank v Ibanez) involving a foreclosure with lack of proper documentation.

Homeowners need to make sure that their legal documents are in order to ensure that they do not become a victim of foreclosure fraud. It doesn’t matter whether or not someone is behind on mortgage payments; the bigger issue is that Banks and Pretender Lenders must abide by strict laws in order to pursue a foreclosure legally. In many cases, they don’t. Instead they cut corners to get the results that they want, at the expense of American families and driving the economy and housing market down even further. It’s the ultimate fleecing of America, with the majority of people not even aware of it.

To continue reading the rest of this Article, and learn more about how to Stop Foreclosure and Save Your Home, please visit: Stop Foreclosure Fraud

ForeclosureFraudExposed.com is the Internet’s leading, detailed and most organized foreclosure defense website, helping 1000′s of homeowners understand the foreclosure process, locate their securitized loan, and learn the various ways to fight and stop foreclosure and save their home.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com

Filed Under: Education, Finance, Home & Garden, Politics, World Tagged With: california foreclosure fraud, foreclosure fraud, foreclosure process, stop foreclosure fraud, stop foreclsoure

Berwyn Catering Company Second to None

July 7, 2011 By Cindy R

When you are in search of a reputable Berwyn catering company to use, you have quite a few choices before you. There are many caterers with websites as well as a nice listing of catering services to choose from in the local Yellow Pages. So how in the world do you choose? Randomly? Or do you take heed of a tip you read online? In this case, go with the latter because here’s a tip you’ll surely appreciate later: Use Famous George’s because you simply can’t find a better caterer out there.

Famous George’s Catering is considered to be a top Berwyn catering company for many good reasons. For one, it is a family owned business that is completely committed to providing exceptional food and service at fair and affordable prices. In operation for fifteen years already, Famous George’s has successfully catered scores of gatherings of all types and sizes. Regardless if you are a private individual hosting a get-together at home or are a business owner planning a large event, you can count on the staff at Famous George’s to make your gathering very special and memorable.

Famous George’s is far more than your average Berwyn catering company and that’s an understatement to say the least. Famous George’s doesn’t cut any corners with its food as that wouldn’t be offering its customers the best. This caterer strives to only use the freshest foods available when preparing the many delicious items on its expansive menu. Nothing but homemade sauces are used and only the freshest veggies and fruits will do. The meat used is also of the highest quality so you can rest assured that your guests will be treated to nature’s best when you go with Famous George’s.

One of the main reasons why Famous George’s is considered a leading Berwyn catering company is because the professionals at this caterer go the extra mile in everything they do. They know how important your gathering is to you and they’re also aware of the fact that you expect good quality food and service when you hire a caterer. In short, Famous George’s goes out of its way to give your gathering a “Wow!” factor that will leave a very lasting, positive impression with both you and your invited guests.

The menu choices are vast and wide at Famous George’s. There are many sandwiches choices including hot sandwiches, cold sandwiches and hoagies, many different types of pizzas, mouth-watering Italian, Mexican and Greek foods, vegetarian menus and lots, lots more. Maybe you’d like to order a few roasted, fresh vegetable breakfast pizzas for your next corporate meeting or perhaps you’d love to serve your club members a few Italian favorites such as spaghetti with meatballs, baked ziti or eggplant parmesan meat lasagna. Famous George’s has it all and much more so do consider using this Berwyn catering company folks because it’s the real deal and the food and service simply can’t be beat.

Filed Under: Food & Drink, Home & Garden Tagged With: Berwyn catering company, catering company

Illinois Homeowners Face Troubling Times with Stopping Foreclosure Fraud

July 6, 2011 By Vanessa Duvale

Illinois is known as a lien theory state that follows a judicial foreclosure process. In other words, Pretender Lenders are not permitted to foreclose illegal through power of sales; instead, it is up to the courts to issue a final judgment for the foreclosure proceeding to happen. This process can be further delayed up to one year or more, if the foreclosed homeowner simply objects to the foreclosure action, and becomes proactive verse reactive.

According to ForeclosureFraudExposed.com, there are several ways for homeowners throughout Illinois to take an offensive stance and stop foreclosure. For starters, homeowners facing foreclosure must decide whether they wish to keep their home or not. If a homeowner has fallen victim to foreclosure already, a decision must then be made to fight against foreclosure fraud and win the house back.

The next course of action for homeowners fighting to stop foreclosure or win back their home is to gather as much evidence of fraud and wrongful conduct as possible. This includes gathering all mortgage related documents: warranty deed, title, mortgage closing documents, and all transfers and assignments documents on record. The major troubles homeowners face during the foreclosure process is what’s called an unopposed mortgage. This is when a homeowner decides that there is no point in trying to stop the foreclosure. In instances as such, the foreclosure proceedings are accelerated with sloppy paperwork, improper filings, and various signs of fraud by the servicing bank.

For homeowners facing foreclosure, there are several tactics available to delay the process, while one researches and gathers the necessary evidence to fight foreclosure fraud. The first tactic is requesting for a continuance, which allows homeowners sufficient time to complete their investigative research, and seek professional help if needed. A continuance simply means that a homeowner is requesting a postponement and are asking the courts not to make a decision at this time. The important thing for homeowners to remember is that over the last decade, approximately 86% of all residential mortgage purchase loans and refinance loans were securitized. Therefore the next step for homeowners residing in Illinois and throughout the country, would be to research and locate any evidence of mortgage securitization.

According to ForeclosureFraudExposed.com, this process of locating your securitized loan is simple and just requires a little bit of research time.

To learn more about how to find your securitized loan and what you can do to stop foreclosure and save your home, click Stop Foreclosure Now

ForeclosureFraudExposed.com is the Internet’s leading foreclosure defense website, helping homeowners understand the foreclosure process, locate their securitized loan, and learn the various ways to fight and stop foreclosure and save their home.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com

Filed Under: Finance, Home & Garden, World Tagged With: debt, foreclosure, fraud, homeowners, illinois, process, securitization, stop

Fighting to Stop Foreclosure through Class Action vs. Pro Se: What homeowners need to understand

June 26, 2011 By Vanessa Duvale

Making the decision to stand up for your rights and demand justice for a wrongful foreclosure or to save your home is a critically important decision. An equally important decision is how you will go about stopping foreclosure and whether or not you will start or join a class action or perhaps challenge the pretender lender as Pro Se. Both methods have proven effective, but there are clear differences between the two. It’s important to know what your goal and desired end result is when weighing your options, because the wrong strategy and decision can be life altering.

Class actions have grown in popularity over the past few years, especially when it comes to stopping foreclosure and seeking damages. An advantage to joining a class action is the reduced expense. Normally but not always, legal fees are only handed when the plaintiff receives a favorable outcome or a settlement is reached; in which case the fees are deducted from the settlement amount. If this occurs, a homeowner does not have to front thousands of dollars in legal fees to begin or keep the fight going. Another benefit is that class actions tend to be more detailed with thousands of pages of documentation and evidence that supports not only your case, but everyone else in the class. Perhaps one of the main reasons to start or join on is due to the power in numbers. It’s often times easier to challenge big companies and corporations with several people behind you, supporting you, on a big scale than doing it alone.

According to ForeclosureFraudExposed.com, while class actions have some clear advantages to them, there are also major drawbacks. The key is keeping in mind what your goal is when it comes to stopping foreclosure. One issue that arises with class actions is time. In many cases, it takes years for class actions to be settled or to reach a judgment. When it comes to stopping foreclosure, this can be good news for some homeowners who still live in their home, allowing them extra time to stay in their house. But for families that have lost their homes already to foreclosure it is a drawn out process and means that they will not see any financial relief or assistance for quite some time, perhaps never. Again, it comes back to what a person’s desire result is. Are you looking to receive damage compensation? Are you looking to be awarded your home back? Or do you believe that you’re a victim of foreclosure fraud, and wish to challenge your pretender lender on their alleged right to foreclosure? For families that need help immediately, class actions may not be the best route.

Other issues with class actions are the actual settlement amounts and distribution of compensation upon being victorious. A $50 million dollar settlement may sound like a lot, but after all of the legal and miscellaneous fees are taken out and it’s split amongst 50,000 homeowners it doesn’t amount to much. Again, homeowners must determine what their goals are first, and then decide on a proper plan suited to their needs?

When it comes to stopping foreclosure class actions typically address one or two main issues or claims, but not the root problems. They may focus on predatory lending or illegal loan modification practices, but many times their settlements do not address the real issue at hand. In a 2009 large bank settlement, approximately half an $8 billion dollar settlement was allocated to “help” homeowners receive an affordable mortgage loan modification. Now how does that address the issue that the pretender lender never had right or possession to the property in the first place? In many instances, settlements and class actions do not address the real underlying issue of who has “real interest,” and the right to foreclose.

When a homeowner takes on the task of stopping foreclosure there are pros and cons as well. While an individual case may take less time to conclude in court, with results of greater monetary settlement for the homeowner, the legal fees can quickly add up, if a homeowner opts to recruit legal aid.

In practically every state across the country, there exists evidence of homeowners having success in stopping foreclosure fraud. Many are experiencing years of living in their home without having to pay a mortgage; while others have received a quiet title judgment to their home, removing a pretender lenders claim to interest from the property. To true quest of fighting to stop foreclosure for many homeowners nationwide, is freedom. Freedom of victory, freedom to win back lost time, freedom to stand for truth and justice, verses agreeing to fall victim of fraud. The reality is that fighting to stop foreclosure isn’t about debt anymore; it’s about freedom and reclaiming what is a constitutional right—life, liberty, truth, and the pursuit of happiness.

To learn more about foreclosure defense, the foreclosure process, and how to stop foreclosure, Click here.

ForeclosureFraudExposed.com is the Internet’s leading website, helping homeowners understand the foreclosure process, locate their securitized loan, and learn the various ways to fight and stop foreclosure.

Media= For Information Contact Vanessa Duvale – support@foreclosurefraudexposed.com

To learn more about the foreclosure process, foreclosure fraud, what your rights are, and how to stop foreclosure? Please visit http://foreclosurefraudexposed.com for more information.

Media Contact: Vanessa Duvale Foreclosure Fraud Exposed, support@foreclosurefraudexposed.com

Filed Under: Careers, Education, Finance, Home & Garden, World Tagged With: foreclosure defense, foreclosure fraud, foreclosure help, mortgage securitization, pro se, produce the note, stop foreclosure

Octomom Facing Foreclosure – A Stop Foreclosure Lesson For All Consumers

Stop Foreclosure Defense – Important Things to Be Aware Of

Quiet Title: An Offensive Weapon To Stop Foreclosure Fraud

Consumers Nationwide Fight To Stop Foreclosure Fraud and Uphold Constitutional Rights

Stop Foreclosure Fraud the Quiet Title Way

Stop Foreclosure Fraud Backfiring on Lenders – Where Are the Buyers?

Stop Foreclosure Fraud – “Robo-Signing” Still Continues

Berwyn Catering Company Second to None

Illinois Homeowners Face Troubling Times with Stopping Foreclosure Fraud

Fighting to Stop Foreclosure through Class Action vs. Pro Se: What homeowners need to understand

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