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North Carolina Foreclosure Defense Attorney Brent Adams Fights To Stop Foreclosure Fraud

November 28, 2011 By

Prominent Consumer Stop Foreclosure Defense Attorney Brent Adams Is Calling On Consumers Throughout North Carolina And Nationwide To Not Back Down And Fight Against Illegal Foreclosures By Banks And Servicers.

FOR IMMEDIATE RELEASE

(Press Release) – November 28, 2011 – (RALEIGH, NC) – Consumer defense attorney Brent Adams has been describing the outrageous misbehavior of banks and servicers and the improper handling of foreclosures nationwide and it seems the courts are finally starting to listen. From the improper overcharging of fees seen by servicers, to the lack of sufficient possession, transfer and interest in the property to foreclose, Consumer defense stop foreclosure attorney Brent Adams, of Brent Adams and Associates has seen it all, fought against it, and has been able to show sufficient evidence to invalidate foreclosure claims, leaving the consumer as the real party in interest.

The letter of the law is black and white, and many foreclosures exist in what is described as that grey area, in which the law is not followed. The problem is that most homeowners don’t know the letter of the law and invalidate their rights to due process, thus allowing foreclosures to happen without proper inspection and validation.  In many instances, banks and servicers bring forth a claim of failure to pay, and attempt to accelerate the security instrument to the property. The nationwide problem that exists here is that regardless of what alleged debt may or may not be owed, there must first exist sufficient proof of possession, transfer, and interest by the foreclosing party. And therein lies the problem; banks and servicers nationwide are playing all in with an empty hand.

According to Attorney Brent Adams, it starts with knowing your rights as a consumer and a citizen. For years many consumers have had established relationships, personal and business dealings with these banks and services, so there exists a level of trust. It’s difficult for some consumers to believe this kind of illegal foreclosure even exists. Difficult unfortunately does not mean impossible.

Securitization of Mortgage backed securities is what has not only created this economic windfall, but is leading America on the brink of currency devaluation for the first time in our history. There is no clear path out of this mess. Regardless, consumers must do their own visual inspection, organize their documents, and object to foreclosure if their desire is to fight foreclosure and stay in the home.  It’s a process, and for most if not all consumers, this process is foreign. That’s why it’s even more important for consumers fighting to stop foreclosure fraud throughout North Carolina and nationwide, to learn as much as possible about the foreclosure process, gather the necessary paperwork, research to see if the loan was securitized, and then locate a capable and willing Attorney; or simply proceed to fight and stop foreclosure as Pro Se. In any case, the starting point for all consumers facing foreclosure is visual inspection, massive action, and objection.

To take our online North Carolina Foreclosure Defense Assessment Survey, please visit: www.ncforeclosuredefense.com for more information.

To learn more about what options are available to fight against foreclosure, please visit: www.ncforeclosuredefense.com for more information.


 

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Stop Foreclosure Defense – Important Things to Be Aware Of

September 13, 2011 By

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.

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

 

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Consumers Nationwide Fight To Stop Foreclosure Fraud and Uphold Constitutional Rights

August 10, 2011 By

stop foreclosure

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 9th, 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.

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

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

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

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Stop Foreclosure Fraud – “Robo-Signing” Still Continues

July 20, 2011 By

stop foreclosure fraud

 

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

 

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American Home owners Stop Foreclosure Fraud with Use of the Uniform Commercial Code

May 23, 2011 By

More and more each day homeowners across America are beginning to “get it” and are fighting to stop foreclosure fraud. But for many families, especially ones that are representing themselves in court, they do not know where to turn to in order to legally support their facts and defend their homes against Foreclosure Fraud.

“Many homeowners who are fighting to stop foreclosure fraud are aware that Pretender Lenders aren’t a real party of interest and lack standing to foreclose. They have evidence of foreclosure fraud, robo-signers, fraudulent notaries and much more, but they don’t know the proper foreclosure defenses that actually make up the key pieces to the puzzle, that make the foreclosure illegal,” explains Rick Haughton, a former Mortgage Lender and now Consultant at Foreclosure Fraud Exposed. “It starts with documentation and taking a trip down to the Register of Deeds to make certified copies of everything on record. It’s evident that homeowners are aware that fraud of some sort exists, yet many struggle to understand the technical aspects of the law well enough to prove it on their own in court. This is where the Uniform Commercial Code or UCC can play a very key role.”

The UCC has been adapted by all states; California, Florida, New Jersey, Nevada and New York and North Carolina have enforced it more frequently in recent homeowner victories. The UCC clearly outlines rules that govern commercial transactions, including mortgage promissory notes and important issues such as who has “possession” of the note, or who is the “holder” and can legally enforce it.

Section §3-301 of the UCC describes “Persons entitled to enforce instrument” which means (i) the holder of the instrument, (ii) a nonholder in possession of the instrument who has the rights of a holder, or (iii) a person not in possession of the instrument who is entitled to enforce the instrument pursuant to Section 3-309 or 3-418(d). The important thing to note hear is that if a Pretender Lender or other party is trying to foreclose and cannot produce the physical mortgage Note and does not have documentation to prove that they have the rights of a holder, they cannot legally foreclose.

Homeowners nationwide have been wising up over the past couple months, learning about the foreclosure process, and effective foreclosure defense tactics to save their homes. “This has been evident from the increased spike in traffic volume, new member registrations, and the average time members spend on the site learning what steps to take in fighting foreclosure, which has increased to an average of 3.6 hours daily per member,” echoed Rick Haughton.

“In the situation where a person’s Note has been lost or destroyed through securitization, the UCC Section  §3-309 describes what is required to prove that a party can enforce the Note,” Haughton elaborates. “You see, if a Pretender Lender has lost a person’s Note, they have to prove that at the time the Note was lost, stolen, or destroyed they were entitled to ownership or can prove that they acquired it legally from the owner of the Note. They cannot just show up and claim the Note is quote unquote ‘lost’ and expect to have full ownership rights and enforcement to the mortgage, including the right to foreclosure.”

Yet in too many instances, this is exactly what happens because uneducated homeowners don’t know proper foreclosure defense. Too frequently homeowners are unaware of these foreclosure defense measures and go up against the Pretender Lenders unprepared. The ultimate result the majority of the time: homeowners lose and fall victim to this nationwide foreclosure fraud.

“If a homeowner is properly educated and has invested time in learning the foreclosure process to support their claim, there should be no reason why they cannot be able to deliver a solid case themselves, or seek professional counsel at that stage for additional support and have a positive outcome to save their home,” Haughton stresses. “It’s more important now than ever that homeowners know the facts about foreclosure fraud, foreclosure defense, such as the UCC, and how to structure their foreclosure case to receive proper foreclosure help from professionals. This is how to build a solid foreclosure defense against Pretender Lenders and win.”

To learn more about the different types of Foreclosure Help, Foreclosure Defenses, and How To Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

More on Rick Haughton

Rick Haughton has been instrumental in helping homeowners across America understand the foreclosure process, what their rights are, and how they can stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s 1st step by step video website, that provides foreclosure help to homeowners, by educating them on foreclosure defense, how they can protect their rights, how to find a securitized loan, and how homeowners faced with falling behind on payments, can legally fight to 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

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NFL Lockout Will Deliver Blow To American Families Causing Massive Crime And Foreclosure Fraud

May 23, 2011 By

Far beyond not catching a Monday night football game, the impact of a NFL lockout if it continues, will affect the livelihoods of thousands of Americans families leading to widespread national crime and destruction of an already damaged housing market. The NFL league employs thousands of people, ranging from coaches to players, team employees to stadiums staff and groundskeepers. Not to be excluded are the tens of thousands of other businesses and individuals, staggering to a tune of 200,000 that would add to the already double digit unemployment rate.

According to Rick Haughton, former Mortgage Banker, Sophisticated Investor and now Consultant at Foreclosure Fraud Exposed , he states this is a clear case of EGO. “EGO stands for Edging God Out. Once you edge God out of anything, the result is that evil sets in,” explains Haughton. On one side you have close to four million home owners this year battling through foreclosure fraud to protect their families and keep a roof over their heads, and on the other side exists a measuring stick battle between billionaires and millionaires that will result in nationwide job losses up to 300,000.

A lockout does not just affect the NFL. “It means tens of thousands of people would have to take dramatic pay cuts or be laid off, making it much more difficult for them to meet their financial obligations and pay their mortgages. The result: Widespread crime and families nationwide falling victim to foreclosure fraud,” stated Rick Haughton. What’s further taxing is that when Banks and Pretender Lenders commence foreclosure proceedings, 99.9% of the time they do not have the proper documentation to prove that they are a true party of interest able to foreclose legally under State and local laws. Banks and Pretender Lenders throw the rule book out the window and push forward to get foreclosure sales approved in record numbers. “Currently, approximately 100,000 American families lose their homes each month. And with an NFL lockout, this is sure to increase rapidly,” stressed Rick Haughton.

In a recent interview with ESPN, Ray Lewis of the Baltimore Ravens echoed that if there is no NFL season, crime will be on the increase. “I agree with Mr. Lewis 1,000 percent. And I’ve saved all the analysts the time by calculating the numbers too. Many high level NFL coaches and execs have taken dramatic pay cuts up to 50% and some have even had their pay cut to $1. Currently the 32 NFL teams employ on average 150-300 staff employees each, not to mention the additional stadium employees and hired-out staff that are contracted for game-day work. The impact of this pay cut, not to mention the layoff of tens of thousands of team employees, stadium works and groundskeepers who are hired for games will affect well over 96,000 American families,” said Haughton.

The NFL lockout will affect not only the Average American worker, but also higher up Executive and Coaches and players who have gotten used to the lavish lifestyle that the NFL and their teams have afforded them. “With a sudden pay cut, how are they planning on paying their $3 Million dollar homes? An average long-term mortgage would be approximate $17,000 per month. With a 50% pay cut and some coaches only receive $1, how are they supposed to sustain that type of lifestyle? Falling even a month or two behind on payments will leave many NFL employees of all financial positions at risk to foreclosure fraud.”

To learn more about the different types of Foreclosure Help, Foreclosure Defenses, and How To Stop Foreclosure Fraud Please Visit: http://foreclosurefraudexposed.com

More on Rick Haughton

Rick Haughton has been instrumental in helping homeowners across America understand the foreclosure process, what their rights are, and how they can stop foreclosure and not fall victim to foreclosure fraud.

ForeclosureFraudExposed.com is the Internet’s 1st step by step video website, that provides foreclosure help to homeowners, by educating them on foreclosure defense, how they can protect their rights, how to find a securitized loan, and how homeowners faced with falling behind on payments, can legally fight to 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


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United States Poised to Set Sanctions on Gadhafi

February 26, 2011 By

The United Nations Security Council is ready for a second round of emergency meetings today to discuss the happenings in Libya. Members of the council are likely to set sanctions against Moammar Gadhafi’s government because of the violence being used on anti-Gadhafi protestors.

The Secretary General of the UN – General Ban Ki-moon asked the council to take a hard stand so that those protesting in Libya will be protected. British and French council members wrote up a draft resolution which asks that an arms embargo be put into place as well as an asset freeze and travel ban on specified members of the Libyan government.

Yesterday the European Union decided to put an arms embargo into effect on the country along with travel bans and assets freezes. In the United States, President Obama finalized an executive order which will impose sanctions on Libya. The UN is very concerned over reports coming out of Libya that say that mass killings are taking place.

Gaddafi is refusing to step down. However, very reliable sources are saying today that the regime in power is in its final hours as Gaddafi is no longer in control in most parts of Tripoli. It is also being reported that Gadafi knows he’s in trouble and is calling his tribesmen in Sirte to come to Tripoli to help stop the uprising. Over thirty armored vehicles armed with machine guns have been sent by the tribe but so far the protestors have managed to keep the vehicles from entering the city.

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Michelle Obama is World’s Most Powerful Woman

October 7, 2010 By

US First Lady Michelle Obama comes in ahead of leading CEOs and celebrities to be named the most powerful woman in the world by Forbes magazine. Others making the top five were Irene Rosenfeld – Kraft Foods boss, US Secretary of State Hillary Clinton, Oprah Winfrey and German Chancellor Angela Merkel.

The list this year was based more on creative influences and entrepreneurship and less on more traditional titles and roles. Forbes said that Michelle Obama has provided a new generation of females with a world role model. Last year Mrs. Obama was ranked as the 40th most powerful woman in the world while Angela Merkel came in at the top spot.

Michelle Obama, former private attorney,  has had consistent, high approval ratings over the past two years as she strives to advocate healthy living to combat the epidemic of childhood obesity.

Lady Gaga, Beyonce and Ellen Degeneres made the top ten list this year while Queen Elizabeth II came in at number 41. Chief executive of Westpac, Gail Kelly and CEO of PepsiCo, Indra Nooyi also landed spots on the top ten list.

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Taliban in Talks with Karzai Government

October 6, 2010 By

The Taliban and the government of Afghan president Hamid Karzai have begun high-level talks to find a way to end the war. The talks are thought to be, for the first time, authorized by the leader of the Taliban, Mohammad Omar.

Previously Omar and other top Taliban figures have insisted that no peace talks were possible as long as there were still foreign fighters in Afghanistan. But now sources are saying that the leadership realizes that they are up against a wall and that they were entering negotiations to ensure that their positions were protected. In other words, the Taliban knows that they are not in a winning position.

The talks involve agreements which will allow the Taliban to hold leadership positions in the Afghan government and the withdrawal of US and NATO forces. However, it is thought that the talks are excluding representatives of the Haqqani group that was the target of recent US drone attacks.

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Will Meg Whitman’s Housekeeper Troubles Hurt her Bid for California Governor?

October 2, 2010 By

Meg Whitman, former founder and CEO of Ebay Inc., is a rookie candidate for governor of the state of California.  Whitman is currently in a lot of hot water over allegations involving an illegal immigrant who was outed by a Hollywood lawyer.

Whitman, the Republican candidate, is struggling to answer allegations that lawyer Gloria Allred is throwing her way.  Allred is representing Nicandra Diaz Santillan, an illegal immigrant who was Whitman’s housekeeper.  Diaz was let go from her position after admitting that she did not have the proper papers to live in the United States.  However, now the housekeeper is saying that Whitman should have known she was a illegal immigrant because she (Whitman) received a letter from the Social Security Administration back in 2003.  In short, she says that Whitman knew all along that she was not in the country legally.

Whitman initially rejected the claims entirely and even offered to take a polygraph test, which is not a good thing for a new politician to do.  Allred produced an actual copy of the letter earlier this week and Whitman’s stories are beginning to change.  Her credibility is in question and this will not do much for her bid to win the election against Democrat Jerry Brown on November 2, 2010.

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