Foreclosure Defense Florida

Florida FraudclosureGate is a Constitutional Crisis!

fraudclosuregateHave a seat people, it’s going to be a rough ride.   Things are going to get tough, but the genie cannot be put back in the bottle.   Pandora’s box cannot be closed, no multi state settlement agreement will settle things.   Class actions will not make things right.   When this all plays we’re going to be looking not to our modern financial system or current court decisions, we’re going to have to look quite a bit further back.   Let’s start here….

4th Amendment to The United States Constitution

The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.

14th Amendment to The United States Constitution

No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States; nor shall any State deprive any person of life, liberty, or property, without due process of law; nor deny to any person within its jurisdiction the equal protection of the laws.

Now, the Constitution of the United States of America is not typically cited in connection with foreclosure cases and the 4th Amendment does not strictly apply to civil cases, but what’s going on in Florida’s foreclosure courtrooms has taken us far beyond the typical state law considerations and outside the purview of our state court system which has proven wholly unprepared at dealing with the myriad problems demonstrated by Fraudclosuregate.   A powerful, reckless and I believe unconstitutional mindset has been allowed to permeate our judicial system and the effects will reverberate throughout the entire country.   While it is an unfortunate and quite disturbing fact that the great majority of foreclosure cases are not properly defended by an attorney or contested in any way. After being served with a foreclosure lawsuit, most homeowners just lay down and play dead. They walk away, they ignore the lawsuit, they do not contest the lawsuit.

Or do they?   Do they ever get served with the lawsuit?   In many cases they do not.   Remember that for a court to have jurisdiction over a person.   In order for that court’s ruling to have any legal force or authority at all, each defendant in that lawsuit MUST BE PERSONALLY SERVED.   There is an exception to that rule and that is if a person really cannot be found, the court can grant an exception and allow the case to proceed against the defendant through Constructive Service or Service by Publication.   But remember, alternate service is just an exception for the real thing.   The Constitutional thing, the Due Process thing.   The high percentage of foreclosure lawsuits that proceed not through personal service but through constructive service is a very real problem.   Remember the defendants in these homeowner cases lived in the homes in most cases.   In the vast majority of cases, they still do.   So why all the Constructive Service?   And what about no service at all?   Sewer service is real.   The woman speaking in broken English who just called to tell me no one ever served her or her husband but they lost their home….her story is real.   The immigrants family I know   who are hanging under a pending foreclosure sale date but who never got served….their story is real.   And so are thousands perhaps tens of thousands of other stories like this all across this state.   While their stories are real, some things are not.   The two “original” summons I’m holding in my hand….they’re not both real.   The Final Judgments of Foreclosure, the Certificates of Title… those are not real.   They’re VOID.   They don’t exist.   A judgment over a person from a court that does not have jurisdiction is a nullity, Void Ab Initio.   A term we’ll all be learning about for years to come.

And what about the cases where a Defendant actually does get served, but chooses not to respond or who throws up a pro se plea?   Does our modern court system owe no duty at all to those people?   I must respectfully disagree with a good judge who I respect who was recently quoted in the New York Times saying:

” We’re processing thousands of cases where no one is really contesting them, and in those instances, something like that just would not be brought to our attention,” said W. Douglas Baird, a judge in Clearwater. ” It’s not a situation where the courts have the ability to go through every document that’s filed and challenge and question those documents.”

(I don’t want to single this judge out, he expresses an opinion of the state of the affairs in foreclosure courtrooms across the state.)

See Washington Post Article Here

Our courts have a responsibility not just to those people who do not contest the case and to those pro se who throw up a response.   Our courts have a much greater responsibility to our Constitution and our system of justice and to society as a whole.   If our courts do not challenge and question documents and if our judges do not challenge and question a system that has gone wild and out of control…the system will go wild and out of control.   And that is the system that we no find ourselves faced with.

If our judges are not challenging and questioning “those documents” , is anyone questioning “those documents”?   If no one is really contesting “them”, what might “they” be getting away with?   If big issues like Assignments of Mortgage and Service of Process have gone wild and out of control, what else is going unchallenged and unquestioned?   Forget about Stephan and the robo signers…has anyone ever really challenged any of the numbers?   And if no one is challenging the numbers what’s going missing?   What’s slipping through?   But then what does it matter anyway, I mean they’re all just deadbeats in foreclosure right?   And what’s a few thousand dollars extra in a foreclosure judgment right?   What’s a few thousand dollars between friends?   Between family? (Uncle)

But back to that thing called The Constitution of the United States.   I submit that all defendants, whether they respond to the case or not, are entitled to due process.   Those defendants are entitled to due process and the whole of society is entitled to due process.   I am entitled to due process in every foreclosure courtroom across this state.   Every citizen is entitled to due process….but we are not getting due process if the courts do not have the ability to go through documents and challenge and question those documents.   And a judgment that lacks due process in a foreclosure case results is a seizure of property that is not reasonable. The application of the Fourth Amendment applies because the real party at interest that is seizing this property is the United States government through its agents Fannie and Freddie. (Ignore the Plaintiffs in these cases, they are straw parties used to obscure the real party in interest, Uncle Sam.)

And while we’re at it, let’s talk about another one of those little Amendments to the United States Constitution. The First Amendment.

Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances.

The press has gone wild reporting over Fraudclosuregate, as indicated in the attached story in the New York Times. The story is great, but it misses an important point….All of this has broken because the press is now reporting what is happening in our courtrooms…and the banksters don’t like it one bit. As you see from the attached motion that was filed in a Maine Courthouse, they are trying desperately to prevent the public from reading the kind of information that is posted on this website.


Tie the New York Times article and the Order that was filed in court and you will see that Fraudclosuregate broke because the Stephan deposition was posted on this blog.   Don’t ever forget the debt of gratitude we all owe to Tom Cox and Tom Ice. Without their work and the depositions being made public, they would have continued to get away with it….please also note the date on the Ice deposition.   The banksters are working hard to try and put the genie back in the bottle and to hide all of this from you, the American people….but I have other plans.   We’re going to keep fighting them.   The American people are going to rise up and fight the Wall Street Wizards and the Fat Cats and their minions toiling away in law offices all across this country.

The press will continue to do the sacred job our founding forefathers empowered them to do….and somehow we will all make our way out of this mess….maybe….


  • ForeclosureHamlet says:

    Thank you Matt.

    This is the real story.

    And you tell it very well.


  • Stupendous Man says:

    I have seen comments of numerous jurists, some out of Florida and some in other jurisdictions, essentially saying the same thing:

    “We ain’t got no power to look no stuff over or make any decisions all on our lonesome.”

    I say that is hoooie.

    Some of the early Federal court decisions relating to standing, the decisions of Dowd, Boyko, Holschuh, Rose, O’Malley, were all made sua sponte, or on the courts own initiative, in cases where the defendants had made no appearance and had filed no answer to either the complaint or the motions for default/summary.

    We are clearly in a basket, and headed somewhere hot, when a lowly pro se has a better understanding of the powers a court has than does that very court!!

    Maybe I, and others like me, should be sitting on the bench instead of the knuckleheads we have there now.

  • commit11 says:

    Here is an author that “gets it”. It is a very good read.

    Fixing the mortgage fraud

  • alrady says:

    Awesome article…. WE in Phoenix have corruption beyond belief… we have had 1 jury trial only and that was not even Phoenix proper. PEOPLE are regularly denied jury trial, denied motions to look at the fraud that allowed the trustee deed upon sale. ONE LAWYER representing 4 banks will instruct all the homeowners without a clue that fraud doesn’t matter, that if you were in modification it doesn’t matter all that will be heard by judge is the fact that they didn’t pay and the bank now has trustee deed upon sale. Those that listen to that lawyer invariably will sign away rights with cash for keys. Some very few will tell the judge they were modifying and please give hearing. I have seen translators that have wrong dialect of spanish and people are saying I don’t understand and the judge rules in favor of bank anyway – giving writ of restitution (eviction by sheriff) to bank. And still there is no HALT on the foreclosures, just an investigation. M edia does NOT cover the courts and if they did – they would need interpretor to understand what is going on.

    Phoenix ARIZONA is one of the few that has absolutely NO wins for homeowners. We had one in Tucson Weisband (bankruptcy) but I am not certain if its in appeals or not.

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