Every so often, I end up in conversations with attorneys who are sharp, experienced, and well-intentioned, but who have spent their entire careers swimming in the industry’s preferred narrative. Not long ago, one of those attorneys pushed back on my work—not out of...
One of the most persistent and misleading aspects of the modern foreclosure system is the routine use of the word “bank.” Yard signs declare “Bank-Owned Home,” attorneys in court speak of “the bank,” and judges themselves repeat the phrase as if it had factual...
The central deception in modern mortgage finance is concealment — the deliberate presentation of a bookkeeping event as if it were a traditional, bilateral loan transaction. What the public was led to believe was a lawful exchange of bank capital for borrower repayment was, in...
Disclaimer: This article is not legal advice. Please consult licensed legal counsel for guidance specific to your situation. Introduction: The Weaponization of a Signature In countless foreclosure proceedings, when a borrower raises legitimate challenges to chain of title,...
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