All posts by The Gallant Goose

Treason’s Just Another Word for Nothin’ Left to Lose….

Freedom’s Treason’s Just Another Word for Nothin’ Left to Lose…
(Me and Bobby McGee – Jerry Jeff Walker/Janis Joplin)

Politicians go all out from both sides of the isle to wreck what’s left of the Constitution and American Jurisprudence…

———————
Issue 1:

All treaties must be signed by the President and ratified by the Senate. Any previous Treaty deemed not to be in the interest of the USA may be summarily voided by the President with notice to the other parties.

So in violation of the US Constitution: Obama praises ‘new faces of American leadership’ at [the unauthorized] climate summit in Chicago
https://chicago.suntimes.com/news/obama-in-chicago-on-tuesday-for-rahm-climate-summit/
http://www.chicagotribune.com/news/local/politics/ct-met-barack-obama-rahm-emanuel-climate-summit-20171205-story.html

Former President Barack Obama stopped by his hometown on Tuesday to praise dozens of mayors from around the world who convened to sign the “Chicago Charter,” a local-level climate change pledge aimed at replacing regulations rescinded by the Trump administration.

“We’re in an unusual time, where the United States is now the only nation on Earth that does not belong to the Paris Agreement,” Obama said of his administration’s landmark pact, which President Donald Trump pulled out of soon after taking office.

“And that’s a difficult position to defend. . . . Sheltering future generations from the ravages of climate change should be something of an obsession for us.”

Obama spoke to a packed ballroom at the downtown Sheraton Grand hotel to close out the second day of the North American Climate Summit hosted by Mayor Rahm Emanuel, who earlier in the day issued a “clarion call” for leaders from cities across the globe to tackle global warming.

Emanuel, who was Obama’s first chief of staff, was among mayors from 51 cities across 10 nations — and representing more than 60 million residents — who signed the charter, pledging to follow through on actions to reduce greenhouse gas emissions by 2025.

Without mentioning Trump by name, Obama pressed on the importance of “keeping our word on the world stage.”

“And cities, states, businesses, universities and nonprofits have emerged as the new faces of American leadership on climate change.”

COMMENT : No matter what your position on climate change, this is a treasonous attempt by a former President with no remaining elected powers, and his minions, to usurp the Constitutional powers of the President and Senate, act in direct violation of the Constitution, and convince the American people that media driven popular opinion overrides the Constitution (can you say Heil Hitler – eh, Obama, eh, Emanuel?).

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Issue 2:

The US House of Representatives is moving ahead with a very controversial and dangerous change to American Jurisprudence which may harm mothers-to-be across America. The House Bill in question includes the following legal language:

“Nothing shall prevent an unborn child from being treated as a designated beneficiary or an individual under this section,” the legislation reads. “For purposes of this paragraph…the term ‘unborn child’ means a child in utero. … The term ‘child in utero’ means a member of the species homo sapiens, at any stage of development, who is carried in the womb.”

http://www.slate.com/blogs/xx_factor/2017/11/06/why_the_republican_tax_plan_gives_fetuses_the_right_to_save_for_college.html
http://www.wnns.com/2017/12/05/frerichs-calling-on-rauner-to-use-his-influence-on-congressional-republicans/

It’s completely unnecessary as a matter of tax policy. People can already open 529 (college) plans, the savings accounts in question, under their own names to save for college before their child’s birth. All they need to do is switch the account beneficiary to their child once she’s born. The only way fetuses could suffer under the current 529 regulations would be if they matriculated at a university before exiting the womb, thereby requiring their college funds earlier than most.

There are three possible reasons why Republicans would try to legally rename a fertilized egg or fetus in the middle of a tax bill. One is to troll pro-choice advocates and legislators, who will now be forced to argue against this silly provision along with all the more substantive offenses that lie within the bill. The GOP might also hope for a fetal domino effect: To have a 529 account, you need to have a Social Security number. Babies usually get their Social Security numbers along with their birth certificates. Giving fetuses access to tax benefits could trigger an If You Give a Mouse a Cookie situation that ends with microscopic clumps of human cells getting birth certificates, marriage licenses, and political appointments.

According to Illinois State Treasurer Mike Frerichs, the Republican tax reform bill on Capitol Hill has a provision that critics say could set women’s rights back decades. He and Illinois abortion rights advocates say a section of the House version of the bill would allow a fetus to be assigned a Social Security number for the purpose of setting up a college savings account even before birth.

Frerichs contends that the provision is an attempt to establish a legal precedent that could be used to overturn Roe v. Wade.

He’s calling on Illinois Governor Bruce Rauner (R) to use his influence with Congressional Republicans to get that provision out of the final bill.

COMMENT : Imagine the potential criminal charges to every expectant mother who does not obey her doctor, eat her broccoli, get sanctioned pre-natal care, falls down the icy steps of her porch and injures her fetus… WERE TALKING CHILD NEGLIGENCE OR MANSLAUGHTER HERE!

Since the beginning of recorded political history, the status of an individual human being in-utero never rose to that of citizen unless they were “borne live”. Even the Roman Catholic Church, whilst steadfastly standing against abortion, does not even grant official baptisms unless that fundamental prerequisite is attained (although some unofficial ceremonial services have been performed on miscarriages as a way to bring peace to the mother suffering such loss). Being granted a Social Security Number to a fetus whose parents are both US Citizens in the USA is tantamount to pre-recognition of a claim of citizenship rights. What’s next, citizenship for wild sperms and eggs? Maybe Cows and Ducks?

Hey – on the other hand if the baby dies in-utero or premature or by (legal) abortion, then there may be an automatic mandatory $250 Social Security death benefit to the parents…

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–
The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Illinois Litigants Dealing with Foreclosure….

Seems many Illinoisans don’t know who to turn to.

This is my “short list” of Northern Illinois Attorneys who I find trustworthy, skilled & effective.

Elijah Meshiah 773.635.6438 Chicago
Lou Brydges  847.680.6250 Libertyville
Mara Baltabols 630.575.8181 Oak Brook
Paul Prybylo  708.383.4175 Oak Park
Richard Hirsh 630.796.0088 Lisle

Please be prepared with a clear and concise statement of your issues (with your files ready at your fingertips).

Do not call them and beg and play the victim – everyone is in a similar boat.
Be organized and professional if you want to gain their interest in helping you.
Their time is valuable too.
There is no guarantee of victory – only a damn good fight.

Tell them greg da’ goose from the internet radio show referred you.

Good luck!
scalia@tilawins.com


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–
The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Leveraging the Death of an Originator in Foreclosure Defense

A Mini-Seminar for Licensed Attorneys and Pro se litigants

Leveraging the Death of an Originator in Foreclosure Defense

Register Now: Leveraging the Death of an Originator in Foreclosure Defense

Foreclosure expert and attorney Neil Garfield, M.B.A, J.D., will address what happens when the putative loan originator no longer exists.  This strategy seminar will cover the best way to attack mortgage liens, notes, assignments, powers of attorney and endorsements, when servicers like Ocwen, Nationstar, and others, claim to have a lasting (durable) POA from an originator;  but where the originator or alleged initial lender went out of business in bankruptcy or had another “legal death” years before.

This 90-minute seminar will cover how to attack the creation, use, and recording of such documents after the loss of actual POA rights and potential criminal ramifications (in addition to civil fraud or RICO on the county, the court, the homeowner and other potential buyers of the property).   Neil Garfield will provide a thorough examination of this fraudulent scheme, and litigation strategies to overcome deceptive power-of-attorneys. You will receive a recording of the seminar within 24 hours of conclusion.

This seminar is for informational purposes only and is not legal advice.

Seminar Date: Monday, December 11, 2017

Time: 4 pm Eastern/ 3 pm Pacific/ 2 pm Mountain/ 1 pm Pacific

Method:  A call-in number and access code will be provided after registration via email.

Length: 90 Minutes including Q&A at end of seminar.

Cost: $129.99 Attendance and Audio File download of the seminar.

Register before December 7th, 2017 for reduced price of $109.00.

Licensed attorneys: will receive 2 CLE hours (credits pending). Please include Bar and License information on registration or email us at info@lendinglies.com

You will receive an email after registration with further instructions.

Questions?:  Please contact us at  202-838-6345, or at info@lendinglies.com.

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Additional resources from The Gallant Goose:

A lot of work on these questions has already been done by others.

POA AGENCY AFTER BANKRUPTCY

Then there is the deadly question regarding whether a Court can take seriously any Assignments of Mortgage or Note created or recorded on behalf of an “originator” (the purported lender – actually just a broker) under a purported POA not recorded with the assignment or put on file in the relevant county prior to the assignment, said POA allegedly granted to an agent (like OCWEN) by the principal (originator- like NEW CENTURY), can have any validity whatsoever when the action of Assignment was stated by the agent to be performed on a date after the principal (originator) ceased to exist, or its powers had been placed solely within control a bankruptcy court or its administrator.

Is Power of Attorney Valid After Death or Bankruptcy?
http://info.legalzoom.com/power-attorney-valid-after-death-20046.html
“By the laws of all states, a power of attorney expires on the death of the principal. More specifically, when an agent learns of the death of a power-of-attorney grantor, he may no longer act as an agent in the principal’s place. This means that the agent may legally act on the principal’s behalf if he does not yet have knowledge of the principal’s death.”

https://www.thebalance.com/power-of-attorney-duties-3974714
“So what are the duties of the agent of a power of attorney after the principal — the person granting the POA — dies? Nothing, absolutely nothing.”

https://carybankruptcy.com/blog/the-power-of-a-power-of-attorney-in-bankruptcy/
“1) A standard Power of Attorney agreement is insufficient to sign a bankruptcy petition on behalf of someone else. 2) If a “bankruptcy specific” Power of Attorney agreement has not already been executed, it is too late to execute one concurrent with the bankruptcy.”

General Power of Attorney (Superseded)
http://www.uscourts.gov/forms/bankruptcy-forms/general-power-attorney

The American Ruling Cases as Determined by the Courts – Volume V -1920 Chicago – National Law Book Company
HYPERLINK

at pp. 1398 [5 A.R.C.]

“The adjudication in bankruptcy is constructive notice to the agent of the termination of his authority. In re. Daniels, 6 Biss. 405, Fed Cas. No. 3,566. And in England, notice of the act of bankruptcy terminates the relation as to the agent and third persons, respectively, on communication to them of reliable information of its occurrence. Elliott v. Turquand, L. R. 7 App. Cas. 7; Ex parte Snowball, L. R. 7 Ch. 534.

Corpus Juris – Volume II – 1915 New York – The American Law Book Company
HYPERLINK

Sec. AGENCY at pp. 545 Par. 177 c. [2 C. J.]

“Bankruptcy or Insolvency – (1) Of Principal. As by an act of bankruptcy the principal loses control of the subject matter of the agency, the authority of an agent to act for his principal generally ceases by operation of law upon an adjudication f the principal’s bankruptcy or insolvency,11 or upon the making of a general assignment by the principal for the benefit of his creditors;12 and hence the agent does not become the agent of the assignee in bankruptcy or insolvency.13 However, the agent may in such case do such acts as the bankrupt or insolvent himself may do, such as mere formal or ministerial acts to complete a transaction entered into before the bankruptcy or insolvency;14 and if the agent has a power coupled with an interest the bankruptcy or insolvency of the principal cannot deprive him of his authority.15 So if there has been a part of performance under the contract of agency the bankruptcy of the principal does not entitle the agent to terminate the agency, put an end to the service partly performed, and become the agent of a third person to the contract between him and the principal.16

Part 1 – How to Challenge an Assignment of Mortgage – By Glenn Augenstein
https://deadlyclear.wordpress.com/2013/08/23/part-1-how-to-challenge-an-assignment-of-mortgage/

Part 2 – How to Challenge an Assignment of Mortgage – By Glenn Augenstein https://deadlyclear.wordpress.com/2013/08/26/part-2-how-to-challenge-an-assignment-of-mortgage/

…and then there is the question of how to counter the bank’s version of how to defeat these challenges…

Borrower’s Standing to Challenge an Assignment of Mortgage: A Look at the Eighth Circuit & Minnesota
http://www.usfn.org/blogpost/1296766/249574/Borrower-s-Standing-to-Challenge-an-Assignment-of-Mortgage-A-Look-at-the-Eighth-Circuit–Minnesota


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–
The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

New Laws Coming – get a Horse

New Laws Coming – Dump your Dodge, Cash your Chevy, Nix your Nissan, Forego your Ford… get a Horse

(a lampoon)

https://chicago.everyblock.com/politics/oct10-new-laws-coming-dump-your-dodge-cash-your-8329802/

This new “law” uses the same rationale as total firearm elimination – time for bows and arrows, sticks and shovels!

Next will be Tractors and Combines which destroy our topsoil… back to mules.

Why is it we want to eliminate firearms from peaceful lawful owners and hunters and still allow for the US and other countries to maintain an Armageddon stockpile of nuclear weapons?

Just one mistake and we’re all dead!

Inland Bank takes 50 year Chicago South Side Laundry Owner to the Cleaners

Lawyers for Inland Bank forced court to move 70 year Lloyd Hughes and his 50 year old laundry business into Chapter 7 BK liquidation instead of modifying his loan or reinstating his Chapter 11 BK reorganization plan.

He lost his Chapter 11 status for “innocently” paying a repair bill directly without pre-approval of the Bankruptcy court. He could not get it reinstated in time before Inland lawyers pounced and demanded liquidation – to which Judge A. Benjamin Goldgar was delighted to accommodate. Read what the judge said below and if that doesn’t frost your balls, what will?

You have to read this to believe it! – There is no mercy or morals in our courts anymore.

Even when you try to do things right, the Banks want “blood” (the green kind) RIGHT NOW and nothing else will do. This is one of the most abhorrent exhibits of judicial arrogance and attorney/banker immorality I can remember.

These foreclosure mill attorneys must be stopped – and the judges that support them must be removed.

Re-blogged from Chicago Sun-Times

The laundromat at 63rd and King Drive might not look like much to a passerby, but it has been Lloyd Hughes’ life work of 50 years, his pride and joy.

That made it only that much more painful when a federal bankruptcy court judge took it away from him.

“I’d like to jump out that window,” Hughes told me moments later outside the sixth-floor courtroom at the Dirksen Federal Building where his world had come tumbling down.

Hughes was just 20 years old in 1967 when he bought an old, brick auto-repair garage and opened the laundromat there with a small loan and some help from his parents, owners of a nearby nightclub.

He learned how to repair the machines himself, how to keep the riffraff from hanging out on his sidewalk and how to manage lots and lots of coins.

What Hughes started as the Woodlawn COIN-OP Cleaners and Laundry is now Laundryworld, with 155 state-of-the-art washers and dryers. He was a rare survivor among African-American owned businesses of that era.

Bankruptcy Judge A. Benjamin Goldgar.

On Wednesday, though, the 70-year-old Hughes could only stand by helplessly as U.S. Bankruptcy Judge A. Benjamin Goldgar ordered his business placed in Chapter 7 bankruptcy for liquidation.

Hughes seemed to go into shock.

“Your honor, may I say something?” he asked after the judge and lawyers had their say. “Your order literally means I’m out of business.”

“I think that’s been true for some time, sir,” Goldgar said. “I’ve got a bank that hasn’t been paid.”

Yet even as the judge spoke, Hughes’ laundry was still open for business and serving neighborhood residents as it has daily for 50 years, a tidy, well-maintained business in a struggling South Side community.

Just across the street is the Parkway Gardens housing development. Among the shuttered businesses on the block are a McDonald’s and Walgreen’s — a measure of the challenges at that location. Now: one more casualty.

“The neighborhood is really going to suffer,” Hughes tried telling the judge, invoking his African-American clientele and his own status as a longtime black businessman.

“This has nothing to do with the color of anybody’s skin. The only color that matters here is green,” Goldgar told Hughes. “That’s what the bank wants.”

Lloyd Hughes, the 70-year-old owner of Laundryworld, was in shock as U.S. Bankruptcy Judge A. Benjamin Goldgar ordered his business placed in Chapter 7 bankruptcy for liquidation. | Leslie Adkins / Sun-Times

Inland Bank and Trust is the bank in question, though Hughes never borrowed any money from Inland.

But in 2010 he received a $625,000 Small Business Administration loan through First Choice Bank in Geneva for a major remodeling of his facility.

First Choice failed, and Inland bought its loans and deposits in 2011 from the FDIC, including Hughes’ debt, which was in good standing at that point.

But Hughes said he began having trouble making the payments as business waned, so he sought to renegotiate the loan terms.

At first, Inland indicated an interest in doing so, Hughes said. But as the matter dragged on and Hughes fell behind, the bank moved to foreclose.

In a federal lawsuit filed in 2015, Hughes accused Inland of racially discriminating against him through intentional delays and failing to modify the loan. U.S. District Judge Matthew Kennelly ruled in the bank’s favor and dismissed the suit last month after Hughes’ lawyers withdrew from the case.

Last year, Hughes also filed for federal bankruptcy protection under Chapter 11, in hopes of negotiating better loan terms as part of a reorganization. The business has no other overdue debts.

But earlier this month Hughes ran afoul of the bankruptcy court by paying a repair bill for the laundry equipment without prior authorization.

As a result, Inland’s lawyers pressed Goldgar to convert the bankruptcy to Chapter 7, which will allow a trustee to sell off the company’s assets and loan collateral. That could include Hughes’ West Chesterfield home and the vacant home of his now-deceased parents.

John Redfield, Hughes’ lawyer, said the bank’s main interest is to collect on its SBA guarantee of about $480,000.

The irony is that Hughes might have had a better chance to renegotiate his loan if he hadn’t originally obtained it through the SBA.

There was further irony when I drove Hughes back to Laundryworld after the bankruptcy hearing.

At that very moment directly across the street, Gov. Bruce Rauner was holding a press conference to open Rev. Corey Brooks’ new Project HOOD Leadership and Economic Development Center in the former Walgreen’s.

Among the center’s purposes: to encourage minority entrepreneurship.

On Thursday, Laundryworld was closed, and entrepreneur Hughes desperately ran through scenarios that might allow him to reopen.

“This is 50 years of work,” he told me. “I’m not going to give it up without a fight.”

Unfortunately for him, there’s a bank that hasn’t been paid.

Lloyd Hughes: “This is 50 years of work. I’m not going to give it up without a fight.” | Leslie Adkins / Sun-Times

———–
Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————

Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final

———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.


Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

SUPREME COURT OF MAINE SHOVES RES JUDICATA UP FANNIE MAE’S SKIRT

ONE-AND-DONE IN MAINE: In a rare sequence of judicial integrity regarding a foreclosure, starting at the trial court level and all the way through the Supreme Court Of Maine, that Supreme Court confirmed and enforced the law against a big quasi-governmental organization, Federal National Mortgage Association (aka Fannie Mae) and shoved the principal of res judicata up Fannie Mae’s “skirt”, declaring they blew their one-bite-at-the-apple and granted homeowners clean title to their house without any further obligation!

Opinion/Orders: http://www.courts.maine.gov/opinions_orders/supreme/lawcourt/2017/17me190.pdf
Amicus Invitation: http://www.courts.maine.gov/maine_courts/supreme/amicus_invites/deschaine_notice.pdf
Fannie Mae Brief: http://www.courts.maine.gov/maine_courts/supreme/amicus_invites/deschaine_appellant_brief.pdf

MAINE SUPREME JUDICIAL COURT Reporter of Decisions
Decision: 2017 ME 190
Docket: Pen-16-316
Argued: May 12, 2017
Decided: September 7, 2017
Panel: ALEXANDER, MEAD, GORMAN, JABAR, HJELM, and HUMPHREY, JJ.

FEDERAL NATIONAL MORTGAGE ASSOCIATION
v.
PATRICIA W. DESCHAINE et al.

III. CONCLUSION
[¶37] In sum, based on the application of the principles articulated in
Johnson to the undisputed facts of this case, Fannie Mae’s 2013 foreclosure
complaint is barred by the judgment dismissing with prejudice its
2011 complaint. The court therefore did not err by granting the Deschaines’
motion for summary judgment on Fannie Mae’s foreclosure complaint.
Additionally, because Fannie Mae is precluded from seeking to recover the
underlying debt on the note, the court did not err by concluding, based on
14 M.R.S. § 6206, that the Deschaines were, as a matter of law, entitled to a
judgment declaring that they hold title to the Lincoln property unencumbered
by the mortgage in favor of Fannie Mae.

The entry is: Judgment affirmed.


A review and retrospect by Retired Anonymous Real Estate Lawyer:

“The facts of this case are unique.

When Fannie’s original suit was dismissed, the suit was dismissed with prejudice. Whether the decision was correct or not then became irrelevant when Fannie did not appeal the decision thus leaving every issue in the case determined against them. The key words were dismissal with prejudice. Dismissals with prejudice are RARE – ESPECIALLY against semi government agencies.

However, as Fannie, choose to not appeal the dismissal with prejudice all its rights were terminated including the rights under the underlying mortgage – this effectively the entire loan transaction from the chain of title etc.

In the situation wherein the mortgage for some reason is invalid, the underlying mortgage note is still valid and can still be enforced. It is good to see a Court actually enforcing the law against a quasi government agency. Do not expect this to happen too often.

The Florida land cases of the year 2005 et al, are cases that should be examined by law enforcement. (In fact many were, but it was not politically correct to address them honestly and candidly – it exposed not only rampant fraud by lending institutions but by government regulators)

To understand the law, one must read 15 USCA 1701 et seq. and realize that Florida has a long history of INTERSTATE LAND FRAUD. Indeed, it is legend *****.

Starting with the Nixon Administration the government became enamored of mass home ownership. During the Clinton Administration an effort was made by government regulators to obviate any financial criteria for obtaining a loan. Banks were encouraged to make loans to totally unqualified applicants and of course foreclosures were anticipated. Quasi government agencies recognizing that there was going to be a piper to be paid, cut back on sale of bundled mortgages as the investment community was more astute than the general public and actually read the prospective that was submitted with every investment.

The government regulators put more and more pressure on the Banks to make improper loans reasonably calculated to fail, and offered cash incentives. In addition clout heavy developers found that with the use of appraisals that were as accurate as three dollar bills they could not only get government funds, but, they could sell condominiums a 300=400% of value. Banks used various devices to address the worthless loans, but the most common was to bundle the mortgages and sell the bundle to the public. The Clinton SEC actually wrote me a letter telling me that they had no jurisdiction over these securities.

The hype in the condominium sales, especially in Florida, was incredible and people who should have known better were sucked into the fray with promises of unlimited profits. It is an embarrassment to indicate or even suggest the names of some of the victims. Almost zero percent employed attorneys in regard to their condominium investments.

Naturally the market collapsed – in Florida and California long before the rest of the US. The collapse of the market was not subtle, however, I received a flood of cases. As every purchase was less than a year old, we sent out mass rescissions as provided for in the act. The Banks became hysterical as did the developer. The FBI, the IRS, and FDIC joined in the fray; however, the Political elite became hysterical. Florida judges were ordered to ignore 15 USCA 1701 and its provisions and foreclosures commenced. The legal community was very unhappy but the honesty of the FBI, IRS, and FDIC agents made political correctness very difficult and 99% of my clients escaped the high handed collection methods employed by the criminals who populate the lending community, but, stories abound.

The politically correct political elite escaped and more frauds have occurred and are still occurring. It is nice to know that some judges (such as the judge who entered the dismissal with prejudice) have the integrity to remember the doctrine of UNCLEAN HANDS! (I spent years fighting these bastards)”
<END>

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–
The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Ocwen To Pay $1M For Force-Placed Insurance Problems

Ocwen’s problems with the 2014 settlement are not its only mortgage servicing issue. It also faces a separate suit from the Consumer Financial Protection Bureau and has agreed to other regulatory settlements in recent years.

Re-Blogged from www.law360.com

By Evan Weinberger Law360, New York (September 6, 2017, 5:53 PM EDT) — Ocwen Financial Corp. on Wednesday agreed to a $1 million penalty for failing to meet metrics related to the termination of force-placed insurance that was required under a 2014 national mortgage servicing settlement, according to court filings.

The West Palm Beach, Florida-based mortgage firm exceeded the maximum 5 percent error rate on a metric in the settlement that requires the firm to terminate certain force-placed insurance policies and refund prorated premiums within 15 days during the first quarter of 2017, according to a filing in the D.C. district court by state attorneys general charged with monitoring the settlement.

Ocwen reached a 6.54 percent error rate on so-called Metric 29 of the settlement in the first quarter of 2017, the court filing said.

Because the exceeded error rate came just after Ocwen wrapped up remediating similar problems with Metric 29 from 2015 when the problems arose in the first quarter of 2017, Ocwen is subject to the $1 million fine, the attorneys general said.

“Accordingly, because this fail occurred in the quarter immediately following implementation of the corrective action plan, this failure constitutes an uncured potential violation” and subjected Ocwen to a $1 million penalty, the filing said.

Ocwen, which first revealed the first-quarter problems in an Aug. 3 filing with the U.S. Securities and Exchange Commission, did not oppose the request for the $1 million sanction to be applied.

“As Ocwen disclosed in its most recent U.S. Securities and Exchange Commission Form 10-Q, Ocwen exceeded the applicable error threshold on one metric for the first quarter of 2017. As set forth in the monitoring committee’s motion and without agreeing with the monitoring committee’s allegations, Ocwen has agreed to pay $1 million to resolve this matter,” John Lovallo, a spokesman for the company, said.

While not originally a party to the $25 billion 2012 national mortgage settlement, Ocwen took over the servicing operations of Residential Capital LLC, Ally Financial Inc. and other former General Motors Co. lending units. In February 2014, Ocwen agreed to pay $2.1 billion in consumer relief and comply with the settlement’s servicing standards.

The firm has run into several problems with the settlement monitor, former North Carolina Banking Commissioner Joseph Smith, since agreeing to take part in the deal. Smith’s office filed a report on Aug. 25 outlining the problems at Ocwen.

Prior to exceeding the maximum error rate on Metric 29 in the first quarter of this year, Smith’s office cited Ocwen in September 2016 for failing two tests required under the settlement in the fourth quarter of 2015.

Testing was suspended at Ocwen for 2016 as it worked to fix those problems, and the company was subject to regular examinations beginning in the first quarter of this year.

The monitor’s office found problems with the force-placed insurance remediation test under that exam, according to the filing. The settlement mandates that any firm that has a problem in the first exam after being subject to an order to fix earlier problems be required to pay a $1 million penalty, according to the order.

The settlement monitor’s office could not be reached for comment Wednesday.

Ocwen’s problems with the 2014 settlement are not its only mortgage servicing issue. It also faces a separate suit from the Consumer Financial Protection Bureau and has agreed to other regulatory settlements in recent years.

The settlement monitoring committee is represented by Patrick Madigan of the Iowa Attorney General’s Office.

Ocwen is represented by J. Riley Key and Robert Richmond Maddox of Bradley Arant Boult Cummings LLP.

The case is Consumer Financial Protection Bureau et al v. Ocwen Financial Corporation et al, case number 1:13-cv-02025, in the U.S. District Court for the District of Columbia.

–Editing by Christine Chun.

Related Articles

Ocwen Not Fully Complying With Mortgage Settlement: Monitor

Ocwen Financial Corp. in the last half of 2014 failed part of its first full-portfolio compliance review following the $25 billion National Mortgage Settlement, the monitor overseeing the deal told a D.C. federal court Thursday.

Read Full Article

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–
The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

SCOTUS To Hear If Dodd-Frank Protections Require SEC Reporting

Certiorari granted by SCOTUS to resolve question of whether a “whistle-blower” must report wrongdoings both internally in his organization and externally to the SEC to have legal protections against retaliation.

Case: Digital Realty Trust Inc. v. Paul Somers, case number 16-1276, at SCOTUS

re-blogged from Law360.com

Law360, New York (September 1, 2017, 7:00 PM EDT) — Several business and trade groups have submitted friend-of-the-court briefs telling the U.S. Supreme Court that whistleblowers must report to the U.S. Securities and Exchange Commission to be protected from retaliation under Dodd-Frank, saying Congress intentionally set narrow protections.

The U.S. Chamber of Commerce, the Cato Institute and several other groups filed amicus briefs in support of Digital Realty Trust Inc.’s appeal of a Ninth Circuit decision finding a former executive can bring claims under the Dodd-Frank Act’s whistleblower anti-retaliation provision even though he didn’t report suspected securities law violations to the SEC.

The briefs, submitted on Wednesday and Thursday, argued that because the act defines “whistleblower” as someone who reports to the SEC, a provision prohibiting employers from retaliating against employees who make disclosures that are required or protected by the Sarbanes-Oxley Act only applies to employees who have reported both internally and to the SEC.

“The interpretation of the Dodd-Frank Act espoused by the Ninth Circuit in this case would greatly expand the number of employees authorized to pursue the enhanced remedies of the act, and the period of time in which they may sue for alleged retaliation, without yielding the law-enforcement benefits Congress intended when it enacted a ‘bounty’ and heightened protections for persons who complain to the SEC,” the U.S. Chamber of Commerce said in its brief.

The Supreme Court accepted Digital Realty’s petition for writ of certiorari in June, agreeing to review a Ninth Circuit opinion that revived former Digital Realty executive Paul Somers’ claims he was terminated based on false allegations of misconduct after he complained to senior management that a senior vice president had eliminated some internal corporate controls in violation of Sarbanes-Oxley.

A split panel of the appellate court ruled that Dodd-Frank’s whistleblower anti-retaliation provision “unambiguously and expressly protects” both those who report to the SEC and internal whistleblowers.

The provision in question, subdivision (iii) of Section 21F of Dodd-Frank, prohibits employers from discharging or discriminating against a whistleblower who makes disclosures that are required or protected by Sarbanes-Oxley.

Digital Realty filed its opening brief in mid-August, arguing that the Ninth Circuit and the SEC had adopted a definition of whistleblower more expansive than what Congress intended and diminished the role of the Sarbanes-Oxley Act’s parallel whistleblower regime.

The amicus briefs expanded on those points, as several groups argued that Congress meant to limit the anti-retaliation protections to SEC whistleblowers in order to encourage would-be tipsters to report suspected fraud to the agency.

Several of the briefs, including one submitted by the New England Legal Foundation and Associated Industries of Massachusetts, noted that Congress explicitly extended anti-retaliation protections to “employees” in both Sarbanes-Oxley and in the Dodd-Frank section creating the Consumer Financial Protection Bureau, but intentionally used “whistleblower” in the provision at issue.

“Dodd-Frank’s incentives and remedies are not severable from each other. Instead, they go hand in hand,” the New England Legal Foundation said. “And they are only available to the employee who has earned them both, by reporting information to the SEC.”

Applying Dodd-Frank’s protections to internal whistleblowers would also burden employers, the Center for Workplace Compliance argued, by making it more likely companies will have to simultaneously defend allegations in multiple forums.

A representative for the CWC, Jamie Novikoff of NT Lakis LLP, told Law360 on Friday that the issue of who is considered a whistleblower under Dodd-Frank has “significant legal and practical implications for our members.”

“Permitting an employee who only complained internally (but not to the SEC) of suspected corporate misconduct to access the enhanced remedies available under Dodd-Frank, could (among other things) embroil his employer in simultaneous SEC and OSHA investigations,” Novikoff said.

A brief submitted by Lime Energy Services Co. and Prestige Cruises International, both of which are battling Dodd-Frank retaliation claims from former employees who had not reported to the SEC, said the Ninth Circuit’s decision leaves companies vulnerable under Dodd-Frank’s long statute of limitations, which extends up to 10 years.

Lime pointed to a suit brought by a former employee two years after she was terminated, now stayed by a New Jersey federal judge, saying the claims serve “as an object lesson in how dilatory, opportunistic plaintiffs are incentivized by the decision below and decisions like it.”

The Cato Institute argued that the SEC’s own rule, which holds that the Dodd-Frank protections do apply to internal whistleblowers, is not entitled to Chevron deference because the agency did not give any notice in its rule proposal that it might include internal whistleblowers. By expanding its interpretation in the final rule without indicating it would do so, the brief said, the agency violated the Administrative Procedure Act.

The Cato Institute also nodded to some court members’ distrust of the “modern administrative state,” citing concurring opinions written by Justices Clarence Thomas and Neil Gorsuch, and suggested that the high court enforce the notice-and-comment protections of the APA as “one of the most fundamental protections the people have against an overreaching executive.”

A representative for Digital Realty declined to comment. Representatives for the remaining parties did not immediately respond to requests for comment.

Digital Realty is represented by Kannon K. Shanmugam, Amy Mason Saharia, A. Joshua Podoll and Meng Jia Yang of Williams & Connolly LLP and by Brian T. Ashe, Kiran A. Seldon, Shireen Y. Wetmore and Kyle A. Petersen of Seyfarth Shaw LLP.

Somers is represented by Peter K. Stris, Brendan S. Maher, Daniel L. Geyser and Douglas D. Geyser of Stris & Maher LLP and Stephen F. Henry of Stephen F. Henry Esq.

The Cato Institute is represented in-house by Ilya Shapiro and Frank Garrison. The U.S. Chamber of Commerce is represented by Steven J. Pearlman and Edward C. Young of Proskauer Rose LLP and in-house by Kate Comerford Todd, Steve P. Lehotsky and Janet Galeria. The NELF and AIM are represented by Benjamin G. Robbins and Martin J. Newhouse of NELF. The Center for Workforce Compliance is represented by Rae T. Vann and Jamie L. Novikoff of NT Lakis LLP. Lime Energy Services Co. is represented by Collin O’Connor Udell, Richard J. Cino and Joseph C. Toris of Jackson Lewis PC. Prestige Cruises International is represented by Kristen M. Fiore and Arlene K. Kline of Akerman LLP.

The case is Digital Realty Trust Inc. v. Paul Somers, case number 16-1276, at the Supreme Court of the United States.

–Editing by Rebecca Flanagan.

Related Articles

9th Circ. Expanded Whistleblower Protections, Justices Told

By Carmen Germaine Aug 25, 2017
Digital Realty Trust Inc. told the U.S. Supreme Court on Thursday that the Ninth Circuit erred in finding the Dodd-Frank Act protects whistleblowers who haven’t reported to the U.S. Securities and Exchange Commission, arguing the appellate court flouted Congressional intentions.
Read Full Article

Employers May Regret Forcing Dodd-Frank Whistleblower Test

By Carmen Germaine Jun 27, 2017
While the U.S. Supreme Court may take a narrow view of the Dodd-Frank Act’s protections for whistleblowers by limiting them to those who report violations to the SEC, experts say such a decision could be a “Pyrrhic victory” for employers, as employees who would otherwise report violations internally may be forced into the agency’s arms.
Read Full Article

Justices To Resolve Split Over Dodd-Frank Whistleblowers

By Carmen Germaine Jun 26, 2017
The U.S. Supreme Court on Monday agreed to review whether the Dodd-Frank Act prohibits retaliation against internal whistleblowers who haven’t reported concerns about securities law violations to the U.S. Securities and Exchange Commission, agreeing to consider an issue that has divided appellate courts.
Read Full Article

Whistleblower, Digital Realty Disagree Over High Court Review

By Carmen Germaine Jun 06, 2017
A former Digital Realty Trust Inc. executive has told the U.S. Supreme Court it doesn’t need to review whether the Dodd-Frank Act protects internal whistleblowers like himself who haven’t reported to the U.S. Securities and Exchange Commission, while Digital Realty maintains the case is ripe in light of a circuit conflict.
Read Full Article

High Court Asked To Review Dodd-Frank Whistleblower Rule

By Carmen Germaine Apr 27, 2017
Digital Realty Trust Inc. asked the U.S. Supreme Court on Tuesday to review a Ninth Circuit opinion finding the Dodd-Frank Act protects whistleblowers who haven’t yet reported to the U.S. Securities and Exchange Commission, saying its case presents an optimal vehicle to resolve a circuit split.
Read Full Article


Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————

Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final

———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.


Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Monitronics To Pay $28M To End TCPA Robocall MDL

Law360, New York (September 1, 2017, 4:05 PM EDT) — Monitronics International Inc. told a West Virginia federal court on Thursday that it has agreed to pay $28 million to settle multidistrict litigation accusing the company of violating the Telephone Consumer Protection Act by autodialing consumers to peddle home security devices.

re-blogged from https://www.law360.com/articles/959979?scroll=1

Monitronics, a security alarm monitoring company, and several alarm manufacturers were accused of violating the TCPA by using automated telephone dialing systems and calling numbers listed on the Do Not Call Registry to plug products from Monitronics and Honeywell. Consumers said that the company was vicariously liable for calls placed by its authorized dealers and their subdealers and vendors.

If approved by the court, the settlement would release Monitronics from all claims related to telemarketing calls, though not to those related to debt collection calls. The settlement does not apply to the other defendants in the litigation, including Alliance Security Inc., UTC Fire & Security Inc., Honeywell or Alarm.com, according to court documents.

The proposed settlement, which was factored on the basis that Monitronics’ insurer disputed whether its policy covered TCPA claims, includes a $13.18 million fund to pay cash awards to the settlement class, $9.33 million for attorneys’ fees and $4.77 million in costs associated with administering the agreement. The remainder includes payouts to the lead plaintiffs and other fees. 

“Plaintiffs steadfastly advocated for substantial settlement relief, but at the same time were pragmatic about Monitronics’ ability to pay a large judgment in excess of insurance proceeds,” the proposed settlement states. “Plaintiffs also were well aware of the risks they faced if they continued to litigate, particularly the risk that they would lose on summary judgment.”

Attorneys for the consumers estimate they have contact information for roughly half of the 7.8 million individuals who received calls. Each class member is expected to earn $12-$25 each, according to the terms of the settlement. While the figure appears low, Monitronics argued that the amount was reasonable when weighed against the costs and fees associated with any individual class member trying to stake it out on their own.

Diana Mey sued Monitronics and Honeywell in West Virginia state court in 2011, and the suit was removed to federal court later that year and eventually transferred into multidistrict litigation along with several others in 2013. The suit has since grown to include more than 30 actions, according to court documents.

The company began negotiations in December 2016, although the parties could not come to terms at the time. After the court granted summary judgment in favor of UTC and Honeywell in January, negotiations began in earnest, and the parties resumed mediation in June. Throughout the negotiations, Monitronics insurers claimed that various policy provisions barred coverage, policies scrutinized by consumers. Consumers challenged Honeywell and UTC’s quick win with the Fourth Circuit in February, according to court documents.

The proposed settlement class consists of consumers who, starting in May 2007 and going to the date when the settlement is approved, received a telemarketing call from Monitronics or an affiliate on a number registered on the national do not call list. As the court had dismissed claims against two of the companies in the suit, Monitronics said the settlement was fair given the risks consumers faced taking the case any further.

Counsel and representatives for the parties did not immediately return requests for comment Friday.

Monitronics is represented by Jeffrey A. Holmstrand of Grove Holmstrand & Delk PLLC, Benjamen Dyer and Margaret Carlson of Culp & Dyer LLP and Meryl C. Maneker of Wilson Turner Kosmo LLP.

The consumers are represented by Jonathan R. Marshall and John W. Barrett of Bailey & Glasser LLP, and Beth E. Terrell and Mary B. Reiten of Terrell Marshall Law Group PLLC.

The case is Monitronics International Inc., Telephone Consumer Protection Act Litigation, case number 1:13-md-02493, in the U.S. District Court for the Northern District of West Virginia.

— Additional reporting by Stephen Trader. Editing by Emily Kokoll.. Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–
The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

NYC mayor signs law promising lawyers to low-income tenants facing eviction

It’s official: NYC mayor signs law promising lawyers to low-income tenants facing eviction – Mayor expresses hope the change will spread

Re-blogged from Housingwire.com

New York City made it official – low-income tenants will now have a right to legal representation when facing eviction, effective immediately.

Friday, NYC Mayor Bill de Blasio signed a bill into law [pictured below], becoming the first city in the U.S. to state that low-income families, those whose households make less than $50,000 per year, have access to lawyers when they receive an eviction notice.

The city held an event called No Tenant Stands Alone in which the mayor addressed city residents about the bill.

“We are here to make sure that good family does not end up in a shelter when they could be staying in an apartment,” de Blasio said.

On July 20th, the New York City Council voted overwhelmingly to approve legislation that would provide legal counsel to all residents facing eviction in some form.

The mayor also took a shot at President Donald Trump during his speech, criticizing the president’s Twitter usage.

“You may not understand the tweet today that came from the white house, you may not be able to follow what they’re doing in Congress each day because it seems to change every hour,” de Basio said. “But guess what? You can do something right where you live to create better laws, to create more fairness, to create a society for everyone. That’s what we’re doing here in New York City.”

He also expressed his hope that this bill will spread into other cities and even other states.

“When you do something like this, it starts to spread,” de Basio said, saying tenants now have hope when they receive an eviction notice. “The next thing they’re going to do is they’re going to call 3-1-1 and they’re going to get a lawyer to defend them. It’s as simple as that.”

This new law quickly received support from advocacy groups in the city, and talk already began among other cities to follow New York City’s example.

“It’s impossible to overstate the significance of this on a national level,” said John Pollock, Coordinator of the National Coalition for a Civil Right to Counsel, which worked with the Right to Counsel NYC Coalition. “New York City has broken the ice on a right to counsel in housing cases, and now we’re hearing lots of other cities and states saying they want to be next.”

During his speech, de Basio explained the bill will send a message to landlords: Don’t even try to illegal evict a tenant. The mayor explained that while previously, landlords had lawyer and could do anything they wanted. “The game was rigged, and families suffered,” he said.

He even read a summary of the bill in [broken] Spanish. “Estoy firmando una ley para todos los New Yorkinos tengan acceso a asistencia legal. Así vamos a tener mas proteccion de desalojos ilegales, y vamos a evitar que mas familias pierden sus hogares. Los New Yorkinos en peligro de desalojo pueden pedir asistencia legal llamando a 3-1-1.”

New York City Council Speaker Melissa Mark Viverito, council member Mark Levine, council member Vanessa Gibson and Bronx Borough President Ruben Diaz Jr. also explained the new law and its implications in Spanish.

Public advocate Letitia James gave an Oprah Winfrey impression as she shouted, “You get a lawyer and you get and lawyer and you get a lawyer.”

However, Diaz cautioned that while everyone is now getting a lawyer, this doesn’t guarantee a favorable outcome for all tenants, but rather, would even the playing fields.

“This is a huge victory for fundamental human and civil rights at a time when those rights are under attack,” said Randy Dillard, a tenant leader at Community Action for Safe Apartments and a leading advocate for a right to counsel since 2013. “For low-income families, keeping their home is as consequential as it gets.”

“For the first time, New York City’s low-income tenants facing eviction will be treated with the dignity and respect they deserve and will have a fighting chance to stay in their homes and communities,” Dillard said.

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————

Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final

———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.


Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Fannie, Freddie fail Dodd-Frank severe stress test

Fannie, Freddie fail Dodd-Frank severe stress test – Would need nearly $100 billion bailout in economic adversity

August 7, 2017 Kelsey Ramírez

Original Here

money government concept

The Federal Housing Finance Agency released the latest results of the Dodd-Frank Act stress test results for Fannie Mae and Freddie Mac.

Both of the GSEs failed the test, showing they would need a bailout in the event of a severe economic crisis, the stress test results showed.

The 2017 DFAST Severely Adverse scenario is based upon a severe global recession which is accompanied by a period of elevated stress in corporate financial and commercial real estate markets.

The stress test results showed the GSEs would require an additional combined $34.8 and $99.6 billion. While they would still need a bailout, this is an improvement from last year’s $125.8 billion.

Through the second quarter this year, Fannie Mae paid out a total $162.7 billion to the U.S. Treasury, while Freddie Mac paid out a total of $108.2 billion during that same time period.

An article from MarketWatch explains the scenario the stress tests creates:

Under the hypothetical scenario, a severe global recession with “elevated stress” in corporate financial and commercial real estate markets plays out over nine quarters from 2017 to early 2019. GDP would decline as much as 6.50%, unemployment would peak at 10%, and consumer price inflation would decline to about 1.25%.

Additionally, equity prices would decline about 50% even as volatility picks up. Home prices would fall by 25%, and commercial real estate prices by 35%.

see also:
Fannie Mae, Freddie Mac would need another bailout in severe economic crisis

House committee considers bill to open records at Fannie Mae and Freddie Mac

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Altisource Solutions, Inc. an International Pirate

Altisource Solutions, Inc. – A “Robinhood” for the Rich!

According to the current Bloomberg listing:

“Altisource Solutions, Inc. provides real estate disposition services, closing services, and mortgage servicing offerings that include residential real estate owned (REO) asset management operations. The company provides lenders and servicers with a full suite of services for managing their REO portfolios, ranging from pre-marketing through asset sale, including property valuation, property preservation, property management, marketing, asset disposition and closing. The company was incorporated in 2009 and is based in Atlanta, Georgia. Altisource Solutions, Inc. does not have any Key Executives recorded. Altisource Solutions, Inc. operates as a subsidiary of Altisource Portfolio Solutions S.A.

Altisource Solutions, Inc. appears to be a frontispiece for the Luxembourgois Corporation “Altisource Solutions S.A.” located at 40 Avenue Monterey, L-2163 Luxembourg, Luxembourg.  That’s where all the officers can be found, not in America.

Evidently the Better Business Bureau of Atlanta, Georgia feel that Altisource Solutions Inc. is a “Pillar of the Community” with an A+ rating. (strange bedfellows?)  Yet, how do they get to keep an A+ BBB rating when the only comments on the Atlanta BBB site are 2 negative customer reviews an 72 unresolved registered complaints? If you read some of the reviews and complaints – you can see how having an internationally absent executive staff impacts ordinary people trying to do business with them. We bet that if you are a bank or servicer, you’ll get a free pedicure with every phone call -LOL.

The BBB names
Mr. John Vella as President/CEO and Ms. Jacqueline Marcucci as Director of Customer Service. (Try to remember their real customers are banks and servicing companies not scrawny creatures like you.) However, Altisource’s own website makes no mention of John Vella as CEO… Rather it shows William B. Shepro as CEO, the hand picked successor by Altisource founder William Charles Erbey – also of OCWEN de-fame – who remains a fugitive of US law enforcement in Malta. See how easy it is to create fake perceived realities on the internet?

On to our meat and potatoes (or tofu & potatoes for our vegan pals):

1) Altisource Solutions Inc., registered in Delaware (go to DE SOS and type in File Number 4665143), is an independent private corporation and is not a federal or state banking association franchisee under alternative control of Illinois or federal banking regulations or the Comptroller of Currency – therefore has no protections or exemptions afforded by law to banks.

2) The Illinois Business Corporation Act of 1983 (“BCA”) (805 ILCS 5 et. seq.) requires all foreign businesses doing business in Illinois to obtain and hold a valid registration with the Illinois Secretary of State and establish and keep current an Illinois based registered corporate agent for service of process and other matters. Altisource Solutions Inc. has never registered with the Illinois Secretary of State under the BCA nor has ever established or maintained an Illinois based registered corporate agent.

3) Under Illinois law, (225 ILCS 454, et. seq and others) the services which Altisource Solutions Inc. state they actively perform in Illinois, including but not limited to a) real estate disposition services, b) closing services, and c) mortgage servicing offerings that include residential real estate owned (REO) asset management operations, each and all require licensing and administration in Illinois by the Division of Real Estate of the Illinois Department of Financial and Professional Regulation (“IDFPR”). Altisource Solutions Inc. has never applied for or been issued such license and continues to perform these acts without and in defiance of Illinois law.

4) In fact, according to the corporate records of the Illinois Secretary of State, no Altisource named entity performing the types of business services cited by Altisource Solutions Inc., much less Altisource Solutions Inc. or their foreign parent corporation Altisource Solutions S.A. themselves, has ever been lawfully registered under the BCA.

5) In fact, according to the records of the IDFPR, no Altisource named entity performing the types of business services cited by Altisource Solutions Inc., much less Altisource Solutions Inc. or their foreign parent corporation Altisource Solutions S.A. themselves, has ever been lawfully registered with the IDFPR.

6) In addition, there are numerous Cook County and City of Chicago ordinances requiring registration of ANY outfit doing business in the county or city – which we won’t go into now but you are free to research.

7) In fact, Altisource Solutions Inc. has performed numerous removals of Illinois citizens and their personal property from their homes, with or without foreclosure, acting under agreements with servicers like their sister company OCWEN Loan Servicing, LLC (recently was given an ORDER TO CEASE AND DESIST AND PLACING LICENSES ON PROBATION by the IDFPR), and the like, since their creation in 2009, unlawfully dispossessing People and disposing of hundreds of thousands of dollars of Illinois citizens’ personal property – some irreplaceable memories and family heirlooms and treasures, even cremation remains!

8) In summary, we can only conclude that Altisource Solutions Inc. is an interstate, international PIRATE “breaching the close” (crossing the threshold) of the State of Illinois to unlawfully enrich themselves by taking the wealth and property from the People of Illinois without returning anything, in total defiance of our laws. The legislature, courts and administrative officials of Illinois must put a stop to this immediately. If Altisource Solutions Inc. wants to profit on the backs of the People of Illinois, then at least force them to play by the same rules as all other respectful businesses and corporations who mind our laws.

Please write your governor, legislators, aldermen, talk show hosts and media outlets to help stop this.

Thank you!

Greg da’ Goose

P.S. If someone can prove we’re wrong, please show us and we’ll apologize.

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————
Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final
———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.

Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Proposed Chicago Homeless Housesitter Program (CHH)

How we might salve two open wounds by applying them to each other…

To the Honorable Aldermen and Mayor of the Great City of Chicago

June 20, 2017

How can we morally as a civil society allow these two images to exist side-by-side?
Image result for homeless familyImage result for chicago gold coast

An open proposal for the establishment of the

“Chicago Homeless Housesitter Program”

In the interest of addressing two of the most important issues facing our inner city communities 1) homes left vacant and unsupervised by banks after foreclosure and 2) rising homelessness amongst Chicago’s poor and minority residents, we propose this “Chicago Homeless Housesitter” Program (CHH).

It is well known that banks frequently leave homes vacant and uncared for after foreclosures, leaving a blight on the community and creating havens for drug dealers, prostitutes and other criminals. The sheer number of homes left in this state has made it unmanageable for real estate service companies to timely control, supervise or maintain these properties, leaving them open to unqualified squatters with no concern for their upkeep and possible added dangers to their neighbors, and a drain on our Police.

It is also well known that Chicago’s poor and minority citizens have been hardest hit by the foreclosure crisis, leaving them to rely heavily on the welfare infrastructure of the city, county and state, which is already stressed to the breaking point by lack of funding and facilities to accommodate these displaced Chicagoans. Many are good families with no history of abuse or gangs, and are employed, yet under employed so that they are caught between opportunity to rebuild their lives and the adequate resources to accomplish it.

While some may consider this proposal a violation of property rights against the banks to do as they see fit with the property they now control, it is well established that according to Chicago zoning laws established by this council to protect the community at large from property owners who by act or neglect, put their neighbors and community at large at unnecessary or statutory risk, that it is well within the legal authority for this Council to establish further zoning laws and ordinances which better defend the community against such risks.

The banks may choose if they would like to participate in this program, or would rather have us determine that the property is abandoned and just take it under our own zoning foreclosure action, or perhaps eminent domain.🙂

Housesitters will be selected from applicants. Applicants will supply details, waivers, acknowledgments and affidavits as determined by this Council. The status of “Housesitter” is not a right, but rather a privilege bestowed upon the party by this Council with consent of the bank/owner. The entire program will be funded by the bank/owner.

The selected “Housesitter” will be paid $1,000 per month by the bank for their service. The selected “Housesitter” will be responsible for establishing accounts with the local utility providers and maintain the property with such care as one who was the owner. If the selected “Housesitter” has difficulty in establishing accounts with said providers because of past credit problems, the City of Chicago will guarantee the account(s). This will allow the “Housesitter” the opportunity to reestablish their public credit record, and prepare themselves for their return to the status of a valued citizen/taxpayer, and maybe even homeowner again.

The bank will be responsible for material upkeep for safety and usability of the property (roof, exterior, plumbing, heating/cooling devices, driveway concrete, fences, stairs, etc.).

There will be stringent rules, including random inspections by the City of Chicago Public Health Dept.  or Police Dept. to confirm and assure that no illicit activity (drugs, gangs, abuse, etc.) is occurring within the property. Housesitter’s failure to report a crime within 24 hours observed or known to have occurred on the property is also a violation of the terms. Mandatory active participation in the local CAPS organization is required. Any violation of the rules will result in immediate removal from the property (pending one binding, non-appealable administrative hearing).

Upon such time that the bank/owner has arranged for the sale or transfer of the property to an innocent third party purchaser which will occupy the property as their primary residence, such bank/owner will notice the “Housesitter” by personal service that they have 90 days to relocate to another place of residence. If said bank/owner has another available property qualified to House sit, Housesitter will be given priority status to relocate to such property, with transfer of utility accounts being guaranteed.

Housesitter has no right of claim to reimbursement or payment for any improvements left behind (including gardens and their fruits) on any property, but are free to take with any such non-affixed appurtenance.

————————

Obviously, many more considerations might be construed such as the homeless elderly on Social Security, the partially handicapped, etc. However, while this is not a fully vetted proposal, I believe this is enough of a starting point to stimulate your legislative creativity as to how such a program might work for the City of Chicago and its citizens/victims of “The Great Collapse”, and yes, even the banks who contributed to the mess. Please embrace this program as an additional leg upon which we might stand to help put Chicago back on track with being the greatest city in America, again.

I leave it in your and God’s hands. Please let me know if I can help.

Respectfully submitted,

greg groeper aka Greg da’ Goose
dakin street, chicago
email: thegallantgoose@gmail.com
www.gallantgoose.com

Note to readers: Feel free to forward to anyone you think can help make a difference.

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————

Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final

———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.


Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

14 Years In Prison For Man Who Rented Out Beverly Homes He Didn’t Own

Ongoing Message: When People mess with the Banks: Go to Prison – When Banks mess with the People: Get a Pass

OK Folks, this modern “Robin Hood” certainly took the law into his own hands, but at whose harm? 14 years in prison seems pretty stiff for “matchmaking” homeless people with homes left vacant by banks aggressively foreclosing on poor/minority homeowners. The banks leave these houses empty and un-cared for – forming a blight on the community, places for drug dealers and other criminals to hide, and lowering neighboring property values. As the article states, these “squatters” cleaned up the properties, decorated them, planted gardens, mowed the lawn and kept dangerous riff-raff away.

Perhaps the banks should be paying them as “house-sitters”; not expelling them or putting them in prison.

While this man’s activities showed the desperation of many people caught in the financial meat-grinder of the modern banking era, it should be noted that not one man or woman working for the banks which have been found guilty by the government for the “great economic collapse” and all the contributing frauds, have ever been indicted or gone to prison for their criminal deeds. Instead, they all got a pass in exchange for their companies signing consent decrees and paying-off the government Billions and Billions of Dollars.

Seem unfair? Sure! So while this man may have gone a bit far to make that point – his message should not be lost on us. Maybe we ought to get our Congress & Attorneys General to stop protecting criminals with “Big Bucks” while convicting little guys with a “Big Dream” of “equal justice and protection under the law”?

Ya’ know – like the way that “annoying little document” called the US Constitution says its supposed to be!

Greg da’ Goose

Re-blogged from www.dnainfo.com/chicago/

By  Howard Ludwig and Erica Demarest | May 23, 2017

 David Farr              (right), 47, of Englewood was sentenced Monday to 14 years              in prison by Cook County Judge Alfredo Maldonado. Farr was              found guilty of a scheme where he took over vacant homes in              the Beverly and Morgan Park neighborhoods. He then served as              a type of landlord to renters who were illegally squatting              in the houses.

Shutterstock/Chicago Police Department

BEVERLY — One of the ringleaders behind a plot to illegally rent houses they did not own in Beverly and Morgan Park was sentenced Monday to 14 years in prison, according to court records.

Cook County Judge Alfredo Maldonado handed down the sentence to David Farr, 47, of Englewood. He was found guilty Sept. 30 of theft, financial institution fraud and continuing a financial crimes enterprise.

Farr — who also goes by Fahim Ali, Jalani Ali and Sekou Ali — must serve at least seven years before he becomes eligible for parole. He was credited with serving nearly two years in Cook County Jail while awaiting trial, court records show.

“This sentence sends a strong message to those who would seek to commit crimes in our community,” Ald. Matt O’Shea (19th) said Tuesday afternoon in an email to constituents.

Farr was found guilty of a scheme that dates to 2012 involving dozens of homes on the Far Southwest Side. Others involved in the plot include Torrez Moore, Raymond Trimble and Trimble’s son, Arshad Thomas.

Moore, 57, was convicted in Oct. 22 of theft, financial institution fraud and continuing a financial crimes enterprise. He has not yet been sentenced, and his next court date is June 26, court records show.

Trimble pleaded guilty to theft in December and received a four-year prison sentence. He was credited with serving more than a year in Cook County Jail while awaiting trial and his expected parole date is Dec. 5.

His son, Arshad Thomas, 27, took a plea deal in March 15 and was sentenced to 45 months in prison. He is expected to be released on parole June 16, according to state records.

Prosecutors during the trial said that Moore and Farr consider themselves Sovereigns or Moors and thus do not recognize the U.S. government. As a part of this belief, they also think banks should not be allowed to own homes.

Armed with this theory, Farr filed paperwork with the Cook County Recorder of Deeds Office. Those involved in the plot would then break into the homes, change the locks and post “No Trespassing” signs.

Other squatters then moved into the homes, and some paid rent to the men behind the scheme. A few of the illegal tenants even went as far as planting flowers outside the homes they were illegally occupying and signing up for utilities, O’Shea said.

“We should not be arrested, or even put in jail, for beautifying vacant properties across the city,” Farr told a judge on July 22, 2015.

Then-Cook County State’s Attorney Anita Alvarez said during the trial most of the renters knew they were living in these homes illegally. And many refused to leave when police asked them to, prosecutors said.

O’Shea said the investigation was prompted by complaints from area residents who noticed suspicious activities in the houses, many of which were unoccupied after going into foreclosure.

“I’d like to thank the Federal Bureau of Investigation, Cook County State’s Attorney’s Office and the Chicago Police Department‘s Financial Crimes Unit for their ongoing efforts on this case. Working together, we can keep our community strong and safe for the future,” O’Shea said.


Read original article here

Opinions expressed are the author’s and do not necessarily represent the position of The Gallant Goose & Friends.


Thank you all for your past listenership and support… We look forward to your comments…
Till next time… keep learning, stay enthusiastic and positive and best of luck to each of you in your personal journey!

Greg ‘da Goose & The Team at The Gallant Goose & Friends

Don’t forget to check out and download some 50 archived show recordings at: http://www.talkshoe.com/tc/139335
or “like” us on our Facebook page at: https://www.facebook.com/profile.php?id=100011445285616

Note: If you received this via email, you are invited to find it again as a post on our blog at www.gallantgoose.com
Please consider registering as a user on the blog as an alternative to emails – which should allow you to add comments.

———————————————————————————

Remember… “Justice Should Be Blind, NOT You!” TM
Are you tired of watching bankers, corporations, municipalities and others running over you like a small speed-bump?
Realize you are as powerful as the tools you master; So don’t forget to check out some of those valuable tools here at…
OWN THE JUDGE
——————————————————————————————————
Are bill collectors or court cases messing with your credit score or causing credit damage?
go to www.FixMyReport.com
fast… easy… final

———————————————————————————–

The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

Disclaimer: The author is not an attorney, CPA or licensed consumer services professional. Neither this article, other writings or the “The Gallant Goose & Friends” internet radio show constitute legal, accounting or any other state licensed service advice. The opinions expressed are solely those of the author or guests. All information is for educational and entertainment purposes only. Contact a licensed professional in your area for legal or accounting advice.
 “How to Win in Court” and “Fix My Report” are sponsors of The Gallant Goose TM.


Original Work © 2016-2017 GallantGoose.com & The Gallant Goose (TM), All Rights Reserved. Duplication rights granted under “Fair Use Doctrine” non-profit & educational use only. Referenced work of others is the copyright property of the respective authors or their heirs or assigns.
*VOID WHERE PROHIBITED BY LAW*

Feds indict “mastermind” of foreclosure scam that bilked $7 million from struggling borrowers

Ongoing Message: When People mess with the Banks: Get indicted – When Banks mess with the People: Get a Pass

Re-Blogged from Housingwire.com

Gavel money
Man charged with 11 counts relating to bankruptcy fraud

June 19, 2017 Ben Lane


A California man stands accused of leading a foreclosure-avoidance scam that preyed on struggling borrowers to the tune of $7 million in ill-gotten gains.

According to the U.S. Attorney’s Office for the Central District of California, Michael “Mickey” Henschel was arrested last week and charged with 11 counts related to the foreclosure scam.

Per the details of his indictment, Henschel owned a Van Nuys-based company that operated under several names, including Valueline. But the company didn’t operate by legitimate means, the indictment alleges. Instead, Henschel is the alleged “mastermind” of a foreclosure scam.

Through that business, Henschel and several co-conspirators allegedly marketed illegal foreclosure- and eviction-delay services to homeowners in default on their mortgages and renters who were facing eviction.

As part of the scheme, Henschel and his co-conspirators allegedly convinced homeowners to sign fake grant deeds that supposedly showed that the homeowners conveyed an interest in their properties to fictional third parties.

Henschel and his co-conspirators then allegedly filed bankruptcies in the names of fake people to trigger the automatic stay provision of the Bankruptcy Code, which halted the foreclosure sales.

Henschel also allegedly used a similar method to delay evictions, filing fraudulent documents in state eviction actions and sending similar documents to sheriff’s offices.

For his “services,” Henschel allegedly charged some homeowners large fees before agreeing to clear the title to their properties, in addition to the monthly fees paid for the illegal services.

All in all, during the course of the scheme, which ran from October 2010 through July 2013, Henschel and his co-conspirators allegedly collected more than $7 million for the illegal actions.

Henschel stands charged with one count of conspiracy, eight counts of bankruptcy fraud and two counts of wire fraud.

If convicted of the charges, Henschel would face a statutory maximum sentence of five years in federal prison for each of the conspiracy and bankruptcy fraud counts, while the two wire fraud counts carry a statutory maximum sentence of 20 years.

At his arraignment, Henschel entered a plea of not guilty. His trial is scheduled for Aug. 8, 2017.

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Also of interest: AIG breaks into mortgage securitization big-time with high quality first offering

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The author Greg “‘da Goose”  is the founder and host of “The Gallant Goose & Friends” TM internet radio show and podcast heard on Talkshoe channel 139335. The show focuses on consumer and homeowner defense and attack strategies and provides a forum for guest attorneys, accountants, brokers, bankers and other professionals, activists and “thinkers” to share their general thoughts and opinions with the audience and give the listeners an opportunity for live call-in Q&A with the guests.

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