Dear Attorney,
You
submitted the license concerns, Bar and practice issues. THANK YOU for
championing a novel concept for never practicing law or interfering
with an attorney client relationship. However, I do have concerns that
ask why go after Livinglies
website which has
absolutely nothing to do with the promotion of practicing unlawfulness
and the State Bar.
This
is not about trying to replace an attorney’s role.
It’s
about finding
one and avoiding malpractice! It’s about the lack of
knowledgeable for
Mortgage Loan Hieroglyphics, Acceptance Zen and the Prospects of
Underwriter Life Developing on Mars.
So what do you know and are you the pro bono
elixir
each homeowner is
waiting for?
What is your email address for the readers suffering right now!
The
few who understand this toxic-thermal mortgage mess are gone and were
hired up by the lobbying effort and paid for from institutional
earnings stolen from cash strapped investors and borrowers.
If
you need medical treatment for an ailment - seek out a physician
licensed by the appropriate medical board. What if for treating an
immediate medical emergency or suffering brought by a cataclysmic
destructive event such as an earthquake? A humanitarian view is to use
any training (CPR) and resources around you (shirt of your back) to
restore breathing, halt bleeding and save lives.
Woe to the
attorney that dare step forward and require a license of the party who
saves a life in an emergency. It’s your kind however that
will
bring
arguments and demands upon fellow men after the human condition is
restored and suffering and bleeding are long forgotten.
So will
the Bar force attorney’s to get up to speed, stop taking
money
for
nothing of value and to represent homeowners for a reasonable fee.
Please Counsel, embrace this effort, jump in and Assist those who are
suffering the humiliation and threat of loss from a foreclosure and
that which does not what meet the eye.
That loss is family,
friend’s school and unfortunately identity. The compassion is
felt by
many notable past and current Attorney Generals who I am sure like I
want to know your motivation.
You need to help these people as a lawyer then and get going!
The
lender will not offer assistance without a calling card and that is a
pleading. No one advocates practicing law where only an attorney can -
but they do ask the attorneys of the United States to take the next 20
years to get up to speed.
What do these people do? I am an
expert who offers case management services and courtroom testimony to
attorneys who can meet my stringent requirements for borrower
eligibility.
1) victim to a predatory loan
2) Loosing their home
3) Have nowhere to go
4) Promise to detach*
* That means they promise not to kill themselves regardless of the end
result.
At
first glance and upon talking to lawyers on both sides, counsel will
typically start with an insult and ask if I am an attorney. I say no
sir, no apology necessary.
An expert is not an attorney and really
more an accountant (auditor) by trade. But I know this much. A lawsuit
is a civil action brought in a court of law by a plaintiff seeking
relief from the court against the party named as the defendant. And in
most instances, a lawsuit contains a request for monetary damages.
And lenders won’t talk seriously to you without your request
being made in a pleading
According
to a random reference book I found, Black’s something or
other,
“lawsuits can be brought for a large number of reasons such
as
breach
of contract, seeking damages from an accident or other incident,
seeking punitive damages if allowed by law, seeking an injunction to
stop an action, for real estate disputes, dog biting people, neighbors
walking across my yard to create a shorter path to one another and so
on. Do you agree the list is endless?
SO WHAT!
Counsel, I
would be foolish to see a dentist for neurosurgery. Yet I submit here
that a divorce attorney is no more or less skilled at defending a
wrongful foreclosure than is a Probate, Contract, Securities or Real
Estate attorney. Each can argue a tort or breech yet none can seem to
find it.
Your sector of society will step in and argue the window dressing and
wrapper but where’s the beef?
I
have been there to testify and heard the lawyer’s gibberish
responses.
You see I was the one who would not agreed to allow a securities
offering to go forward while working on staff with lawyers as a
consultant. And under protest I held back another toxic offering
usually at the expense of missing my payment due for services rendered.
Concerns were for why the issuance would fail under certain FASB
and GAAP
stress
tests.
I
have also thrown people out of there home and know the tricks such as
waiting near a holiday, Thanksgiving, Christmas and Valentines Day to
make my point clear. “Make your payment regardless of the
Quality
Control audited findings and exposure we see on your loan while trying
to shield our firm’s massive vulnerability”.
We lenders, as a
sector mingled over cocktail and supper in the plush dinning halls of
the Mortgage Bankers Ballrooms found across the country. I would ask
questions and wow! If you could hear the responses, from the leaders of
. . . well, never mind.
From Sub prime misfits to the elite of the industry. Companies like Citigroup
have established itself as a powerful player in subprime
market acquiring competitors and employing its vast capital resources
and its name-brand respectability. A report cites CitiFinancial,
its flagship subprime
unit, claims 4.3 million customers and 1,600 plus branches in
forty-eight states, including nearly 350 offices across the South.
Things don’t stop with CitiFinancial,
however. The web of subprime
is
woven throughout Citigroup.
Sandy Weill’s
company has refashioned itself into a full-service subprime
enterprise—one that makes high-cost loans and sells
securities
backed
by the income streams from all these transactions. In 2000, one study
calculated, nearly three of every four mortgages originated within Citigroup’s
lending empire were made by one of its higher-interest subprime
affiliates—nearly 180,000 loans out of a total of
240,000-plus
mortgages for the year.
Why the attraction and what’s the best feature? High
profitability or no downside in bad times?
In
similar situations our sub prime goal was maximize profitability by
stimulating hyperactivity in good times and foreclosure trading in
black markets in bad times. Point is do you really know the dirt in the
detail and can you offer anything to a client who borrowers $5,000 for
a retainer and has nothing to show for it at time of a trustees or
sheriff sale.
You’re the attorney! What class suits were you
intimate or involved with? Want to talk about some of the questions
surrounding Section 17(a) of the Securities Act of 1933 ("Securities
Act") and Section 10(b) of the Securities Exchange Act of 1934 and Rule
10b-5 there under. If found violating the registration provisions,
Sections 5(a) and 5(c) of the Securities Act.
Help us, can you
allow a plaintiff in a wrongful claim seek a judgment of permanent
injunction, disgorgement and civil penalties against the Funding
Entities, and disgorgement against certain Holdings, pending the matter?
How about yours and my own experience or expert witness roles in case's
such
as - FTC v. Associates First Capital Corporation, Associates
Corporation of North America, Citigroup
Inc., and CitiFinancial
Credit Company (Northern District of Georgia, Atlanta Division). Civil
Action No. 1:01-CV-00606-JTC;
and Federal Trade Commission, Plaintiff, v. First Alliance Mortgage
Company, a California corporation, First Alliance Corporation, a
Delaware corporation, First Alliance Mortgage Company, a Minnesota
corporation, and Brian Chisick,
Defendants, and Sarah Chisick,
Relief Defendant (Central District of California, Southern Division),
Civil No. SACV
00-964 DOC.
Counsel
you’re offering nothing more than a argument to own a license
to
fall
back on and window dressing here with a lack of direction for legal
guidence to address the dilemma.
Consider the following:
1) The role of a CDO
investment under an SEC Blue
Sky for $300 million
2)
Why a financial publicly traded monster like B of A. will use a Reg. D
private placement intended for a small guy who could not afford the
cost to register a shelf
3) Why the hell is Citi
or B of A is accessing and
investing capital in the name of a silly venture
4)
Why are institutional giants (ENRON in Reverse) subjecting liquidity
which is an “Asset” to off balance sheet treatment?
(What
the F#$%)
5) Does the behavior of a “Veg -O- matic”
sliced and diced onion
(I mean security) in a CDO
really merit the highest rating
possible by a rating agency
6)
Were the “X” Rated services of Moody’s
and Duff
wrongful and deceptive
or simply pawns giving no concerns to the manufactured 680 borrower
score?
7) Why is the MERS
and Lost Note gibberish continuing to smoke screen the role of
principal participant involvement prohibited by FIERREA
legislation
8) Why are derivatives trading a smoking gun for misaligned acceptance
practices to unqualified borrowers?
9) How is GAPP
and a ABA manifest the sole tool to bring down the structure big time
capital investors are hiding under
10) Why did AIG
take the bonuses knowing the back lash was inevitable (ask yourself
that one as I for one think they deserve every cent for buying into the
lies)
I believe every civilized government provided its land
barons the right of counsel before the king where land was seized from
peasants in exchange for economic support (bribery) under a monarchy.
Counsel came at a cost as it does today and was afforded only to the
aristocratic minority who garnered the majority of the land and who
could afford the protocol. That is to lawfully argue the right to steal
land from another who could not afford to be represented. Our first
President ensured the subjects of the crown were replaced with the
citizens of a government. Washington proposed the ideal of a presiding
leader voted in by the people for a set term. The right to revolt was
replaced by the concept of the right to vote. And here’s a
brilliant
novel approach to deter anarchy and threat of coup. By allowing the
citizens of a nation to share in the ownership of the land you remove
the motivation to rally one and other against those who control the
land and govern by tyranny and threat of force.
There is
evidence the lobbying effort of the mortgage banking industry are
becoming more organized, gaining clout in the courts and monetarily
growing by the day. Politicians seeking to help constituents at this
time are eventually going to need funding to remain in office. Cash
strapped and broke homeowners are not the best capitalized population
of voter revenue a politician will seek out for assistance. The fight
is not so much about the fact people are losing their homes as much as
it is the myriad of current and foreseen circumstances casing them to
lose their homes.
Your remarks are just what the lobbying effort
will use over time to crush the homeowner’s chances to
survive.
Home
owner’s rights and survival refers the unbearable cost of
seeking
out a
high priced lawyer’s retainer and menacing obstacle for
lawyers
who do
not fully understand. By understand I mean as Garfield say’s
“in the
know” about Nuclear Thermal Devices (Carl Kop
ESQ) and
advanced Quantum Physics and Mortgage Acceptance and Beneficiary Rights
to Recovery.
If the Office of the Comptroller is asking why organizations like
“ACON
and “DOPE” can’t seem to procure any
modifications
– well sir, what we have here is an inability to communicate.
Sub
prime is not a discrimination issue either! So is this the best our
lawyers can do for the average guy? The NAACP filing of a
discrimination charge using a suit filed back in 2007. Wells Fargo
Corp. and HSBC
Holdings PLC
are the target of separate lawsuits being filed by the NAACP, which
alleges the banks were engaged in “systematic,
institutionalized
racism” in their subprime
mortgage lending businesses. The lawsuits, which the NAACP said would
be filed in U.S. District Court in California, allege that
African-American homeowners were frequently steered into mortgages with
higher interest rates than other borrowers with similar credit
histories. The two new lawsuits are related to a broader July 2007
lawsuit NAACP filed against some of the nation’s largest
lenders
for
discriminatory lending practices. The allegations against HSBC
and
Wells Fargo were being filed as a result of subsequent investigations
and calls made to the NAACP.
Sub prime lenders are blind to color and racial profiling. They will
rip anyone off with no certain preference!
This
is a Foreclosure crisis that has yet to reach maximum proportions and
that will strangle out the cities of America with lost revenue from a
dwindling tax base and add pressure to a country that now needs a
socialist tax base in order to survive. A socialist tax base but
without any of the programs one could expect in a socialist government.
So, are you a divorce attorney? Can we get your license and ask you . .
. what is it you mean to say?