Foreclosure Hamlet

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I Enjoy No Debt

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Profile Information

Which state do you live in? (2 letter)
How did you find out about this site?
Where are you in the foreclosure process?
Late but not in foreclosure yet, Defending my home
How many months have you tried to work with your unresponsive loan servicer?
A long Time!

Comment Wall (5 comments)

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At 1:12pm on March 1, 2012, Sharon Jones said…

Moore vs. MERS

At 9:50am on February 28, 2012, Sharon Jones said…

That information from Bloomberg is great, but you still need documentation from the servicer.  Some people find their mortgage on Fannie Mae's website - doesn't mean that Fannie is "true holder."  Some people find their mortgage/note information on MERS, doesn't mean any true chain of title existed there either.  The only way to mount a defense is to research every angle:  letter to servicer, seeking information from them, check land registry, bloomberg titles etc.  There is no silver bullet.  Then you need a knowledgeable attorney who understands how to bring the case (very difficult to find). In NH most of the cases go the way of the banks and many lawyers will not take cases there.  Moore v. MERS is the NH case. 


The age old lesson still applies:  if you got something for free, it is probably worthless.  

At 10:08pm on February 27, 2012, Sharon Jones said…

NH is a tough state!!!!  But a good federal court decision came out last week. 

At 10:06pm on February 27, 2012, Sharon Jones said…

Hi, findyournote gives a step by step instruction for someone or lawyers to send the letter to the servicer requesting validation of the debt.  That inspector looks interesting, but looks like they find issues in the loan and then you have to figure out what to do about those issues.  Findyournote is a simple way that all mortgage holders can find out who in fact claims to own their loan, if the servicer gives up the information. 


With the national settlement, one requisite is showing a complete chain of title.  It is so important that people find out who owns their note before refinancing and giving up their rights.  If you know anyone who will make the effort, please let them know about this opportunity.  Read the Harpers Article "Stop Payment." 

At 10:29am on February 26, 2012, Sharon Jones said…

A great starting point for anyone is  This is a simple challenge that gives people an initial investment of energy and $20.00.  They have to try to start the fire before the experts can help them.  It is the best road to a free house. 


I Enjoy No Debt's Blog

Occupy’s Return From Hibernation

Posted on February 24, 2012 at 10:56pm 0 Comments

Sally Kohn

The American Prospect

February 24, 2012

As winter fades, the Occupy Wall Street movement is heating up again. But don’t expect the same focus on physical encampments and rowdy protests. While the blood of the 99 percent is still boiling at the injustice of growing inequality, in organizing meetings and workgroups, cooler heads are prevailing. This is Occupy…



Posted on February 24, 2012 at 10:46pm 2 Comments


Posted on February 22, 2012 at 11:00am 0 Comments

Explanation of Securitization


Securitization takes a commonplace, mundane transaction and makes very strange things happen. This explanation will show that, in the case of a securitized mortgage note, there is no party who has the lawful right to enforce a foreclosure, and the payments alleged to have been in default have, in fact, been paid to the party to whom such payments were due.

Additionally, in the case of a securitized…



Posted on February 22, 2012 at 10:30am 0 Comments


In The News Today

Posted by Jim Sinclair on February 20, 2012 @ 12:00 pm in In The News

Jim Sinclair’s Commentary

Before you pay make sure the entity demanding the funds in fact owns your mortgage.

If you fail to do…


Blog Posts

Servicer disclosure Statement

Posted by Danni on October 23, 2015 at 1:12pm 0 Comments

anyone recognize these signatures?

Posted by Danni on October 21, 2015 at 4:40pm 0 Comments

anyone notice these signatures in 2004

Posted by Danni on October 21, 2015 at 4:30pm 0 Comments


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