Comments on: Produce the Note! http://usawatchdog.com/produce-the-note/ Connecting the Dots to Give You A Clear Picture of What’s Really Going On Thu, 09 Feb 2012 00:48:32 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Greg http://usawatchdog.com/produce-the-note/#comment-45455 Greg Sat, 04 Jun 2011 17:35:19 +0000 http://usawatchdog.com/?p=1280#comment-45455 S, I just cannot give you advice from my vantage point. I would tell to sit down with a Florida real estate attorney and pay for his advice. That will help you get an idea of what path to take. Thank you for your comment and question. Greg S,
I just cannot give you advice from my vantage point. I would tell to sit down with a Florida real estate attorney and pay for his advice. That will help you get an idea of what path to take. Thank you for your comment and question.
Greg

]]> By: S http://usawatchdog.com/produce-the-note/#comment-45447 S Sat, 04 Jun 2011 15:02:48 +0000 http://usawatchdog.com/?p=1280#comment-45447 Greg, I have a question that I hope you can answer. Can I ask my lender to "produce the note" even tho I am not currently in a foreclosure situation? My situation is this: I have been in a six year battle with insurance companies regarding a sinkhole that is affecting my home. The damage to the house is making it increasingly difficult (if not downright dangerous) to live here, and we do not have the means to pay both the mortgage and rent somewhere else. If I stop paying the mortgage (not what I want to do, I just want to live somewhere livable while this is worked out) then my lawsuit goes away. I'm not trying to cheat anyone or not be responsible for my debts, I just want to live somewhere where I do not have a 3 inch gap between the walls and floors because the house has completely separated from the foundation on one side, or where taking a shower is not a daily act of courage because the bathroom floor has separated from the walls and the bathtub is actually at a 25 degree angle and supported by some posts we placed to try to keep it from falling in. Can we somehow hold off the mortgage company long enough to live safely while we wait out this unbelievable battle with insurance? The home next door to me, about 12 feet away, is far less damaged than mine and was taken care of in 9 months. Please advise S in Florida Greg,

I have a question that I hope you can answer. Can I ask my lender to “produce the note” even tho I am not currently in a foreclosure situation? My situation is this: I have been in a six year battle with insurance companies regarding a sinkhole that is affecting my home. The damage to the house is making it increasingly difficult (if not downright dangerous) to live here, and we do not have the means to pay both the mortgage and rent somewhere else. If I stop paying the mortgage (not what I want to do, I just want to live somewhere livable while this is worked out) then my lawsuit goes away. I’m not trying to cheat anyone or not be responsible for my debts, I just want to live somewhere where I do not have a 3 inch gap between the walls and floors because the house has completely separated from the foundation on one side, or where taking a shower is not a daily act of courage because the bathroom floor has separated from the walls and the bathtub is actually at a 25 degree angle and supported by some posts we placed to try to keep it from falling in. Can we somehow hold off the mortgage company long enough to live safely while we wait out this unbelievable battle with insurance? The home next door to me, about 12 feet away, is far less damaged than mine and was taken care of in 9 months. Please advise

S in Florida

]]> By: Greg http://usawatchdog.com/produce-the-note/#comment-38260 Greg Wed, 02 Mar 2011 22:02:47 +0000 http://usawatchdog.com/?p=1280#comment-38260 Joe T, I am so sorry, I do not know any attorneys that can help you. It is best to look in the state you live in but that takes some time a research. All the best man. Please kee[ us updated so otheres can learn from you. You might want to try to go to the stopforeclosurefraud.com website and look around there: http://stopforeclosurefraud.com/ I hope this helps you. Greg Joe T,
I am so sorry, I do not know any attorneys that can help you. It is best to look in the state you live in but that takes some time a research. All the best man. Please kee[ us updated so otheres can learn from you. You might want to try to go to the stopforeclosurefraud.com website and look around there: http://stopforeclosurefraud.com/ I hope this helps you.
Greg

]]> By: Joe T http://usawatchdog.com/produce-the-note/#comment-38238 Joe T Wed, 02 Mar 2011 19:28:37 +0000 http://usawatchdog.com/?p=1280#comment-38238 Hi Greg, I just stumbled across your site and am dealing with my lender presently. My situation is that I'm in a liar loan (10 year interest only switching to an adjustable). Never late on a payment for the last 5 years. Values have dropped from the $430,000 I owe to $230,000 making it impossible to refi. Current lender refuses to work with me even on adjusting the terms of the loan to a 30 year fixed. Tried going as high up as the Vice Pres of OneWest Bank and still not even a bite. Do you know of any good attorneys that have proven they know this specific niche and are looking to take on new clients? I have a strong case and lots of documentation put together to prove my side... Any and all info would be helpful... Thank you :) Joe T. Hi Greg,

I just stumbled across your site and am dealing with my lender presently. My situation is that I’m in a liar loan (10 year interest only switching to an adjustable). Never late on a payment for the last 5 years. Values have dropped from the $430,000 I owe to $230,000 making it impossible to refi. Current lender refuses to work with me even on adjusting the terms of the loan to a 30 year fixed. Tried going as high up as the Vice Pres of OneWest Bank and still not even a bite. Do you know of any good attorneys that have proven they know this specific niche and are looking to take on new clients? I have a strong case and lots of documentation put together to prove my side…

Any and all info would be helpful…

Thank you :)

Joe T.

]]> By: Greg http://usawatchdog.com/produce-the-note/#comment-1115 Greg Thu, 25 Feb 2010 02:38:25 +0000 http://usawatchdog.com/?p=1280#comment-1115 Herschell, You do not know what you are talking about and that is a fact. I have the expert lawyers and foreclosure court cases to prove it. For starters, see the story I did while at CNN: http://www.youtube.com/watch?v=YUZdANb6UaY Also, Google the term "Produce the Note" and you will see it is a current nationwide strategy to fight foreclosure. Thank you for your comment. Greg Herschell,
You do not know what you are talking about and that is a fact. I have the expert lawyers and foreclosure court cases to prove it. For starters, see the story I did while at CNN: http://www.youtube.com/watch?v=YUZdANb6UaY Also, Google the term “Produce the Note” and you will see it is a current nationwide strategy to fight foreclosure. Thank you for your comment.
Greg

]]> By: Herschell http://usawatchdog.com/produce-the-note/#comment-1108 Herschell Wed, 24 Feb 2010 20:12:48 +0000 http://usawatchdog.com/?p=1280#comment-1108 IMHO, they do not have to produce the (original) note, or the (multitude of) investor(s) (if any). The note is recorded at the courthouse. A certified copy obtained from the clerk of court is all the is necessary, along with a paper trail if it was later sold. The mortgage processor is usually the one, and has the legal authority, to file the foreclosure. Case closed. You could DELAY everything by insisting that they produce the note, but they would mearly have to go get the certified copy if they had not already done that. There is no need to try to track down the original that may be in a warehouse in another state. Thinking that someone's obligation to pay goes away, or the note holder should not be able to foreclose because there is no original present is wrong. All that said - the only way out is for a total collapse, which BY THEIR ACTIONS is what it looks like they WANT to happen. SUCK IT UP and live with your original decision to get that overpriced house in the first place. Move on. Be ready for the collapse, and maybe you will be one of the lucky ones that survives to the other side of it. "When I am president...." Yep - look for me in the future.... I have the solutions. Many won't like them....... IMHO, they do not have to produce the (original) note, or the (multitude of) investor(s) (if any). The note is recorded at the courthouse. A certified copy obtained from the clerk of court is all the is necessary, along with a paper trail if it was later sold.

The mortgage processor is usually the one, and has the legal authority, to file the foreclosure. Case closed.

You could DELAY everything by insisting that they produce the note, but they would mearly have to go get the certified copy if they had not already done that. There is no need to try to track down the original that may be in a warehouse in another state.

Thinking that someone’s obligation to pay goes away, or the note holder should not be able to foreclose because there is no original present is wrong.

All that said – the only way out is for a total collapse, which BY THEIR ACTIONS is what it looks like they WANT to happen.

SUCK IT UP and live with your original decision to get that overpriced house in the first place. Move on. Be ready for the collapse, and maybe you will be one of the lucky ones that survives to the other side of it.

“When I am president….”
Yep – look for me in the future…. I have the solutions. Many won’t like them…….

]]> By: Greg http://usawatchdog.com/produce-the-note/#comment-1082 Greg Wed, 24 Feb 2010 01:49:40 +0000 http://usawatchdog.com/?p=1280#comment-1082 Brad, Since I did the story it has become a national strategy to combate banks in foreclosure. If you are facing foreclosure use the "Produce the note" strategy to get a better deal. Brad you so right on that point. Greg Brad,
Since I did the story it has become a national strategy to combate banks in foreclosure. If you are facing foreclosure use the “Produce the note” strategy to get a better deal. Brad you so right on that point.
Greg

]]> By: Greg http://usawatchdog.com/produce-the-note/#comment-1080 Greg Wed, 24 Feb 2010 01:45:23 +0000 http://usawatchdog.com/?p=1280#comment-1080 George, The outrage and desperation is growing. Greg George,
The outrage and desperation is growing.
Greg

]]> By: Greg http://usawatchdog.com/produce-the-note/#comment-1079 Greg Wed, 24 Feb 2010 01:44:09 +0000 http://usawatchdog.com/?p=1280#comment-1079 Brian, She was still in the house a year after I did the story. I have a call in to her and will update when I get more info. Thanks for the question. Greg Brian,
She was still in the house a year after I did the story. I have a call in to her and will update when I get more info.
Thanks for the question.
Greg

]]> By: Brian http://usawatchdog.com/produce-the-note/#comment-1074 Brian Tue, 23 Feb 2010 14:06:27 +0000 http://usawatchdog.com/?p=1280#comment-1074 Greg- So did the British lady in the story win and get the fees removed or what? Where's the followup to this? Greg-

So did the British lady in the story win and get the fees removed or what? Where’s the followup to this?

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