CONTINUE READING: Foreclosure Fraud: Mortgage Fraud Does Not Mean the Same Thing as Home Loan Fraud

Most Borrowers just quit and walk away. For many reasons, but always present is the fact that they think it must be the law, otherwise, how could it be happening? For the ones that do fight, they feel like it is a law that you must have an attorney. But, in truth, I can tell you that it is absolute. You cannot win with an attorney. Constant repeals of the laws controlling and regulating finance and investment which as left no one watching the gate. The courts are absolutely helping the bad guys win, by not following the constitutional rules of courts achieving justice.

Therein, I see my problem helping you. I think Borrowers are asking me now, not what is wrong, but what I can do to help. I am not giving them the right answers. They are very interested, but they don't even know themselves what to do and I have not been clear with my answers.

The biggest question I receive is:

"What do you charge?"

This is where I meander around describing all the different scenarios that I could charge for different levels of help. But, I don't know what they can afford and I don't know what I have to charge to do their work without me melting down.

From 2012-2017 I charged monthly. Borrowers kept discovering more laws being broken and I was. discovering how to keep those out of court. In some ways, I charged according to the amount of the payment per month they had been making. This, of course, couldn't be done on payments under $900 because I was charging about one-third of the former payment which now they were no longer making. If the payment had been $1,800 per month I would charge $600 per month. I had 11 clients go along that way for more than 5 years. I never lost even one of those cases, but eventually, the savings per month from not paying the old payment had put them a much better position and they decided that it was time to quit. Usually, this was just stress fatigue. I believe many of my clients would be diagnosed with Post Traumatic Stress Disease if they would go through counseling. My wife has been diagnosed with PTSD. I know that I have it, which is why I don't get counseling. I know I have PTSD. Me having someone else diagnosing me for money just seems silly.

After 2017 I just stopped taking on new clients and the current ones at that time just drifted away. I needed the time to work on my own properties. I had my home taken in 2012 when I was not late on any payment. Fannie Mae took my investment property bringing in $8,000 per month in 2015. I didn't have a loan to foreclose on.

This did not seem to bother my District Federal judge Ortrie D. Smith of the Federal District Court of the Western District of Missouri, nor the Chapter 13 Bankruptcy Court in the same locations judge Dennis Dow who let Fannie Mae cross his automatic stay, because "Well, Fannie Mae says they have a right too". I will be posting the audio of my confrontation with a judge who had no understanding of real estate law by tomorrow. This judge was breathtakingly stupid. To clarify what I mean when I say we want the judge to know exactly what we intend to do to him I am going to do what I used to think was unthinkable. I am going to announce right here on my public website that his name is Dennis R. Dow and he is a federal bankruptcy judge in the Federal District Court of the Western District of Missouri in Kansas City, MO. and he did commit an act of "Deprivation of (MY) Civil Rights".

Do you see why I believe it does not matter what new law or strategy you think you have discovered, I rejected this notion by 2014, not because those laws, cases, and rulings weren't correct. They usually are correct. It was because no judges were reading what I was writing. Upon further study, I found no cases in my studies that were any different. Your case is not any different.

So, let's get down to why I don't know what to charge you. You really deserve an answer to that. Over nine years I have spent almost $300,000 in savings helping others and myself. I don't have the money to spare to do work I won't get paid for. If I want $500 and you pay me $250 and then tell me that you don't have anymore, I understand why you did this, but it does not help either of us.

When you are being taught how to be a lifeguard they warn you to never go straight up to a person who is terrified and thrashing all around. The reason is that the drowning person is not thinking about anything else but staying on top of the water. If you come in straight forward and get within arm's length the struggling person will claw and grab you and do whatever they can to get on top of you to keep their head above water. They will try to stay on top, never thinking that you are now underwater.

The strategy is to move to the side and grab and opposite hand and twirl them around where you can reach your hand past their neck and lock onto the armpit of the opposite side. Then clutching them tightly to your side you hold them on their back while you swim side stroke to shore.

We are like that, all of us. I am not sure if I should take on anyone to help when I am so financially weak and have so much to gain on my own cases, and only have a Borrower running out of money, spent on attorneys who have not done a proper job, unintentionally in their desperation take my head underwater and then I don't survive my own good intentions.

However, I need a little more money just to pay the bills. It is actually $1,500 to $2,000 per month. So, I must take on several people, but make sure that I can do the work to solve their problem and my own without hurting either of us.

So, here is our problem. I am telling you that the only way to win is to ditch the attorney idea, and that sounds like a certain massacre to you.

You want me to help you, but I have to go through all of your strategies, which I tried and rejected 8 years ago. This always ends up in a two-hour phone conversation that I don't charge for. I don't get anything for it, but I have told you everything I know, which is substantial and came at a high price to me and not just monetarily. But what I am doing is going to be so foreign to you that you aren't going to do it. Not right anyway. That is a lose-lose situation.

So, I have added a new form to my website asking you for more information. I began to see a pattern that a form that gives you a chance to tell me all about your situation that may have lasted years in two sentences. With my old forms, the Borrowers were frustrated by trying to communicate all that they wanted to and I only ended with a name, address, and email address and a jumbled one or two sentences that really did not explain much. The most common quote I have received as to what the Borrowers problem was "I need help".

This was my fault. The form did not communicate to Borrower what I needed to even begin a phone conversation.

I gave the new form a lot of thought. It is meant to help a Borrower give me in order what they need to begin to take the fraud complaint and actually try to win and keep their home. It also gives me some references to be able to ask much more definitive questions to help the Borrower understand what the real issues are instead of what they should be.

You can find what I call the "Detailed Form" in many places on this website. Or just click on its Link here.

I have so many Borrowers who contact me wanting to save their home, but their case has dragged on so long that they have run out of money. I am planning a way to help a group together and use live "classrooms" with voice contact to put together cases for multiple Borrowers at a time.

I will post an article after this one explaining exactly what Chain of Title is, and why it is so important when challenging the Standing of the Imposter Foreclosing Party to even try to bring a judicial or non-judicial foreclosure into the lives of Borrowers with fake claims that do not prove that they have a legal interest in.

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