Foreclosure Defense Florida

Top Ten Reasons For A Moritorium on Foreclosures And Reasons To Oppose Non-Judicial Foreclosure

It used to be said that we were a nation under the rule of laws.   Sure, some folks still utter such phrases, but the truth of the matter is we’re getting further and further away from that each day.   The breakdown of the rule of law is most evident to me in the midst of the foreclosure crisis and the most disturbing aspect of this breakdown is the role lawyers and judges are playing in this fundamental breakdown.   As the Florida Legislature is set to consider anti-consumer foreclosure legislation like the absurdly titled House Bill 1523 the Homeowner Relief and Housing Recovery Act, I propose the following alternatives to such actions be pursued first.

A Clear Understanding of the Facts Behind the “Crisis”

The core facts behind the breakdown of the rule of law as represented in foreclosure cases is clear…the lenders and institutions, in their rush to sell their loans up the river, were moving so fast that they stopped keeping the records and evidence that they now need to try and enforce the mortgage obligations.   Rather than own up to these facts then work with courts and borrowers to create a system to re-establish the paperwork, the lenders, their unethical foreclosure mills and other agents like MERS are busy creating and fabricating paper and evidence as fast as they can then submitting this paper and “evidence” in courts all across the country.

What disturbs me most about all this is the lenders have infected the court process such that lawyers and judges have now become complicit in all this unethical, fraudulent and potentially criminal conduct.   I do not mean to say that judges per se are engaging in criminal or unethical conduct, but when the magnitude of these abuses is so widespread, judges simply should not continue to grant summary judgment in foreclosures in this environment.   As I sat in court several times last week I became very upset about the hundreds of summary judgments that were being granted because the homeowner chose not to hire an attorney or file any paperwork.   Judges feel compelled to grant summary judgment in these cases, but it’s just wrong on so many levels.   In the cases where attorneys for the Plaintiffs bothered to show up at all, they don’t even bother bringing their case files.

How can an attorney be representing that their are no facts in dispute when that attorney does not have the case file with her and has never even seen the case file?

An End To Telephonic Hearings

I don’t understand why judges continue to allow the foreclosure mills to appear for hearings telephonically.   Such appearances are a privilege, not a right, and that privilege is so abused that it should be take away across the board. I feel great empathy for the judicial assistants who man the judge’s   telephone lines and manage the chaos of coordinating 100 hearings via telephone when the attorneys don’t care enough about their cases to show up in court (much less even bring the file).   Forcing the attorneys to appear in court with the case file also forces them to sit face to face with me, the opposing counsel.   I cannot get them on the phone and they will not respond to emails, but they cannot ignore me when they’re standing right in front of me.

If the Florida Supreme Court can mandate that clients appear at mediation with settlement authority why don’t local judges require attorneys to appear in person, with their case file prior to hearing and attempt to resolve the matters between themselves prior to taking the court’s valuable hearing time?

A Serious Examination of All Improper Attorney Conduct

Judges across the state should now be aware of gross abuses and questionable evidence that is being routinely submitted in foreclosure cases.   Examples of such abuses….

1. Assignments of Mortgage signed by attorneys or employees employed by the firm prosecuting the foreclosure case.

2. Affidavits of amounts due and owing signed by attorneys or employees employed by the firm prosecuting the case.

3. Assignments of mortgage signed by document mills or robo signers with dates and other important facts supplied by the attorneys prosecuting the case.

4. Attorneys making pleadings before the court with no factual basis for such pleading. (As one judge frequently comments, “A lost note is not the same thing as a hard to find note.”)

5. Attorneys appearing in cases where a conflict of interest exists between the Plaintiff and one of the Defendants with no clear waiver of that conflict. (This appears in many cases where second mortgage holders are named as defendants in cases.)

6. Attorneys filing Affidavits of Attorneys Fees when they’re employed by this state’s top law enforcement officer (Florida Attorney General Bill McCullum), serious questions regarding the veracity of such affidavits have been raised and the attorneys who have signed these affidavits refuse to have their depositions taken.

7. Attorneys or employees of law firms that obtain title to properties soon after the certificates of title have been issued by the Clerk of the Court.

8. Attorneys demanding that the evidence used to grant summary judgment be returned to them (the promissory notes) and Clerk’s of Court or judges returning such evidence to them which will result in such evidence being unable to recover when subsequent investigations and court proceedings will require this evidence. (The Chief Judges in each circuit should issue orders directing that all evidence be preserved in court files effective immediately.)

9. Attorneys just blatantly ignoring Orders of the Supreme Court of Florida….(We don’t verify no stinkin’ complaints!)

And now the last, worst and most disturbing new trend that’s only just appearing this week…..

10. Attorneys who accept representation asserting to defend homeowner’s who are in foreclosure when they share office space and in fact are member/employees of the law firms pursuing foreclosure cases. (This is a brand new one here folks…think about it carefully.   You’re a consumer and hire an attorney who you think will defend your case.   When you call your attorney for information about your case or stop by the office to discuss your case, you find out “your” attorney also works for the foreclosure mill that’s working day and night to take homes from you and your neighbors.   I cannot wait to see how this stinking pile develops, but motions have been filed on this particular matter so stay tuned for updates when this develops. )

Substantive Direction to Support   a Moratorium on Foreclosures

With all of this, and so much more, how can judges continue to grant foreclosures?

Isn’t it time to take pressure off our circuit court judges and issue a moratorium on foreclosures?

Can’t our federal prosecutors, bankruptcy courts and federal investigators make public the nature of their investigations to support judges in declaring such a moratorium?

When the results of widespread investigations reveal the full breadth and depth of all the fraud that exists how will the judges that summarily granted summary judgment based on improper evidence and procedures be able to undo the mess that’s been caused?

3 Comments

  • Andrew says:

    I think the foreclosure mills and judges and lawmakers simply want the foreclosures to happen, get over with, so they can move on. The problem with this is that there are just too many of them, with more to come as more and more people start learning the truth about how all of this was concocted. I think more and more people will choose a Strategic II Default – stop paying but remain in home.

  • WHAT?!?

    Number 10…………?

    This week I found a Shapiro-Fishman/Attorney General connection…..

    And then, Mark Romance, Esq, employee of Richman Greer (counsel for Shapiro Fishman for their Motion to the Florida Supreme Court for Rehearing of SC09-1460 on Rule 1.110(b)). Mark Romance is the Rules Committee chair of the Florida Bar.

    Sometimes the only thing to do is pray through tears born of heartbreak.

    ForeclsoureHamlet.org

  • Dennis Garrison says:

    How can an attorney representing a mortgage servicer that has sold the note 3 years earlier be assigned as the trustee for the same deed of trust? Neither the pretender lender loan servicer nor this attorney have any beneficial interest in a Note that was “SOLD” to Fannie May shortly after the inital closing that recorded the title company as the trustee and MERS as the beneficiary. If the note was sold and the servicer’s only response to our QWR is that they only service the loan and can not provide information requested to identify the chain of custody and the hard copy of the original note, then that admission verifies they have no authority or standing doesn’t it?

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