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Which state do you live in? (2 letter): California

How did you find out about this site?: internet

Where are you in the foreclosure process?: Filed a suit in a non-judicial state, Defending my home

How many months have you tried to work with your unresponsive loan servicer?: 18

JamesForclosure's Blog

The poop is hitting the fan! YES!!!! "Bank of America Ponders Retreat "

Posted on January 13, 2012 at 2:13pm 0 Comments 0 Likes

http://online.wsj.com/article/SB10001424052970204409004577156881098606546.html?mod=djemalertNEWS

Bank of America Corp. has told U.S. regulators that it is willing to retreat from some parts of the country if its financial problems deepen, according to people familiar with the situation.

Executives at the Charlotte, N.C., financial giant put the potential move…

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Anyone see this? Your thoughts? "4M homeowners eligible for foreclosure review"

Posted on November 1, 2011 at 3:33pm 3 Comments 0 Likes

http://money.msn.com/home-loans/news.aspx?feed=AP&date=20111101&id=14466314

WASHINGTON (AP) - About 4 million homeowners who may have been improperly foreclosed upon in 2009 and 2010 are getting an opportunity to have their cases reviewed. Whether they will be reimbursed is up to the same lenders who are accused of moving too swiftly to seize their homes.

The Office of… Continue

FAIL - Fannie Mae Cited For Failing To Stop Robo-Signing

Posted on September 23, 2011 at 2:05pm 0 Comments 0 Likes

I don't believe it! It was the home owners who caused this mess!

http://www.npr.org/templates/story/story.php?storyId=140727079

NOW, the same colluding GSE that is continuing to hide fraud, wants to rent empty properties!

Posted on August 10, 2011 at 4:30pm 1 Comment 0 Likes

How can this help! It will only saturate rental markets not to mention courts across America when people stop paying their rent! Why would anyone pay their rent on a govt owned property? If the govt cannot manage the housing crisis now, how are they going to be able to manage millions of rental properties. Not to mention, if the GSE sells a property for $200.00 at auction, then their putting the renter that they just lodged, out! So, you now have a further depression on rents will in turn…

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At 1:57am on April 10, 2012, Jason P. Milici said…: I believe they just never transferred the note to BofA. MERS held the mortgage until 13 days before their attorney filed the lawsuit with the county. At that point the mortgage was assigned to BofA and filed with the county recorder.

At 8:40pm on January 11, 2012, Millie said…: Hi James,

I have already appealed all the way through to the CA Supreme Court last year simultaneously with my BK. The CA SC accepted my Writ of Certiorari, requested the appellate court files, and then decided to deny hearing my case. Interesting. Needless to say, I don't have much faith in the state court system. Perhaps Federal would be better if the bank does not back off with the eviction action.

At 7:09am on January 11, 2012, Millie said…: Hi James,

I tried...until I pissed off the judge. He never got angry per se, but he was not about to hear anything about the property he kept contending "was no longer mine." I gave up on it, and decided to take his not-so-subtle hints to take his ruling (which was a gift on a golden platter) and go back to state court. Now I just have to see if the state court judge will honor a Federal BK court decision, which he is supposed to do. These judges in CA are arrogant, so it is difficult to tell. By Jan 26th, I'll know. I can always move out of the house and have my ex husband (on the mortgage) move into the house and file his own BK and start the bank's headaches all over again. I've got about a deck and a half of cards up my sleeve. I just need to play them in the correct sequence. This is one chess game that is not fun...I can't see the board clearly...and my opponent keeps cheating! LOL!

At 6:14pm on January 10, 2012, Millie said…: @jamesforclosure:

I tried to include my home/property in my BK, but was barred each time (2 AP's), but dismissed because judge said I can't include property I no longer own, and the Trustee's Deed shows that the Bank/Trust now owns it. He told me unless I get the state court action (unlawful detainer eviction action) judgment vacated AND get the Trustee's Deed out of the way, I can not attack the foreclosure, and "unless and until" I do those things, I won't be able to prove all the fraud I am "alleging" has occurred at so many levels. If you read my ruling, the BK judge hinted at what I must do. So now, I have to leave BK court and go back out from under the protective umbrella of the Automatic Stay, and go back to eviction court and work my way back to the foreclosure. Here in CA, nonjudicial foreclosure occurs with no court action. The Unlawful Detainer, or eviction action, is the first legal action taken to remove a homeowner from the home. Most people don't even bother to fight this because hardly anyone survives/wins...as I am living proof of that! No matter how hard you fight, you are still sunk because the second the Summons is answered, you've ceded to the court's jurisdiction, and you have to play by their rules, and you are governed by statute and law. If you appear by "Special Appearance", you can have the action 'DISMISSED' or "Demurrered" (CA is one of the only states to us demurrers, which are equivalent to a Motion to strike or dismiss)...then you never have to battle it out and lose. They cannot evict without a judgment and a Writ of Possession. I have yet to do this, and that is what I am doing now. Its a bit scary, but it must be done. Hope I answered your question about BK and the property, James. I'm no expert in BK, by any means.

At 3:09pm on January 8, 2012, Millie said…: My 2 APs were dismissed because my house was not part if the BK estate due to Trustee's Sale and UD eviction action won in Dec 2010 by the Bank. A UD state action cannot be re-opened if it has been finally adjudicated and is a NON default judgment or dismissal. That is where the Bank/Trust's counsel erred. (see my Blog post dated today, Jan 8, 2012 and my comment to Abby.) I have to be careful on here about what portions if my strategy I post due to 'Snoops'. That is why I try only to post about what has already occurred. My next hearing on the Bank/Trust's "Motion to Amend Judgment" and my "Motion to Strike" their Motion is to be held on January 26, 2012. It will be real interesting to see how the judge handles thus Dual Motion matter. I will be shocked if the law is followed, as it has been ignored thus far in my entire foreclosure fight! I bet you are surprised to hear that, right? : )

At 12:00pm on December 21, 2011, Valerie Anne Lopez said…: James- Could you send me your email? I had Judge Robert Kwan in Santa Ana CA practice law from bench assisting law firm by suggesting RE: Veal Arizona State Case law and Gomes vs. Countrywide to do a "re-do" for thier brief to hide Pite duncan's lies concerning being the real party of interest - I had a letter from the back office proving Pite duncan and wells fago was just the servicer. Kwan looked the other way --never gave me opportunity to explain the fraud assignemtn confirmed by Lynn Szymoniak's affidavit; never sanctioned Pite DUncan for not bringing in China Brown as ordered at first hearing; Pite Duncan smoked and mirrored court room; Pite Duncan brought in Contraband a note which should have been in REMIC and judge lifted stay regardless of me telling judge that just because I still his pink slip does not mean I can repossess judge's car---at last hearing judge would not allow me to state my CA BK FED case law as to why he should not lift stay but he used the RE: veal case that judge suggested that PITE DUNCAN use to develop their brief on 8-1-2011. I need to locate anyone also who had a loan involving Karen Cannistra to get samples of her writing as Karen told me that she never endorsed to Wells Fargo - the writing in the blank line was not her writing. I told judge Karen needs to testify in to court room hearings along with forcing CHina Brown to be in court.

At 7:57pm on October 14, 2011, walter ralph pineda said…: James you previously mentioned T Sevillano as signing a substitution of tee and assignment. I have such a document signed by T. Sevillano and received

info that besides working for Bank of America as assistant secretary she also

has signed as assistant secretary for MERS. Do you have any information that might be helpful? Thank you

At 4:15pm on June 1, 2011, Hennalady said…: what ad? Can you show me what you are talking about and I will take it down.... I am just confused.

At 4:14pm on June 1, 2011, Hennalady said…: I didn't see anything on there that I had to buy in order to get the information. I don't get involved in the politics or the wars, I am interested in the information, which was there without my having to make a purchase. Please specifically show me where this is true, I may have overlooked it; or explain to me why you would isolate information from members of this network; or I guess kick me out?

At 3:43pm on April 9, 2011, Steve Lucore said…: Yes. M I Miller is a Notary. I think she use to be Registered as Michelle Miller. I'm checking it out now. And I will compile all docs. with signatures for you.