In 2008 shit happened in my Life. Suddenly my 18 years of married life came down the drain because of a virgin woman with 3 kids. Then banks problems matched it. In 2009 I was fighting 2 lawsuits (divorce and the pretender lenders). In Nov. 2009, I was divorced and was very satisfied on the court's ruling. I got my kids, and 70% of whats everything my ex got. Now, I do thank the woman who took my ex-husband. When divorce comes, do not just sulk on a corner, fight what belongs for you and the kids. Remember the hanging judge knows what to give to the abandoned family .
Where do I get my strength ? I survived the divorce and still surviving the fights with the banks. My strength is my Right and any human rights that I fight for.
NOW, let's go on my favorite topic. The Lenders.
Being the only one earning and paying legal fees on the on going divorce, income was not enough. Called my dear lender and asked to help me until my life gets better again. Lender helped me by increasing my loan payment, from 5k to 7k per month. They were really nice, isn't it ?
I hired a company that will help me on the modification but the lenders did not like to talk and negotiate with them. I hired a lawyer to do forensic study of my loan documents. Then I sued my Lender in Pro per.
The lender sold my loan while the lawsuit is on with Lis Pendens. Then 3 days before the Auction I got a letter stating I have a new lender.
REMEMBER, the MO ( modus operandi ) of the lender. They will make you run like a chicken without a head. I called the lenders and they told me they do not have my loan. WELL, there was still the Trustee. I called the Trustee and I was told the sale was put on hold. BUT, Trustee illegally sold my house.
I FOUGHT BACK AND WON MY HOUSE BACK. The good judge cited them for breach of fiduciary duty. By the way, my opponents lawyers were fired by the pretenders because they lost the case.
After the Judgement, YES! after the judge order, my lawyer and I had multi-conversation with the new lawyers of my opponent and having the guts to asked me to pay them in 2 weeks and the screaming woman lawyer told me I will be foreclosed. My lawyer told them I do not owe them that money. After few days I received a letter from my lawyer, an email from the lawyers of my opponent stating they will give me 10k, and 90 days to stay and admit in court I was wrong. I said NO WAY. I tell you, better have a good documents safe keeping, you will need them when the right time comes.
I file bankruptcy to protect myself on all the debts my ex husband got and protect me from the pretenders and of course to resolve in Federal Court my problem with the pretender lenders.
I am a very patient person. I think I got well trained in being patient by my ex husband because I will not last 18 years if I was not. I was well trained being patient because I do care for elderly, hospice and people with disabilities. I was patient because people make mistake and I wait and give them a chance to amend. But, if I lose my patience and they insist on their evilness, I have to get my right and let them know to respect my rights.
In April 2011, the Judge ordered that my loan be cram down from 680K to 325K. My opponents were saddened and I was happy with that judgement ( I WON AGAIN). Debt is debt needs to be paid at least this is the least they can do for me for all the miseries they have done to me. But ,NO my opponent were appealing and costing me more money. They are financially draining me so that I will quit and let them win.
I started to do my own discoveries. In 2007, I signed my loan not knowing the lender was a defunct lender. My documents were Robo signed. The State judge order on 2009 was intentionally, willfully and knowingly recorded in reverse way. The judge ordered me as the owner but they recorded it in the public record as them the owner and I am foreclosed. They have slandered my name, my business and my Title publicly. They continue to show in the Internet that they are the owner and I was foreclose which made a big impact on my business and loss 65% of earnings since 2009.Intentionally doing this so that I will not have money to fight.
They recorded assignments that have been robo signed and entities assigning other entities without assignments. This pretenders are really nice, don you think so? They like to make me feel financially miserable , me the struggling working divorce mother of 2.
I have lasted to fight them for years now. Some people made it easy for them, I do understand that. Who wants to be financially drain and emotionally bothered. With only 2 clients to care for , no enough money coming in. Sometimes I have to find my coins to add up for gasoline. I always tell myself to be patient business will be better again even though my name and my business was slandered in public.
My daughter said ," Mom, when can I have a dollar in my pocket, you spent so much money on fighting ,Why do you do it ? I told my daughter principle and responsibility to us and to others. I have a duty to myself that my rights not be violated, I have a duty to others who can not fight to get their rights for them and I have a duty to the State to protect the LAWS that are being violated by the educated crooks. Sometimes Justice is blind and we need to help to light so that it will shine. As I told my lawyer I want my case law because if I will win this again this case laws will help a lot of people.
I will post on my blog again what is happening on the case laws I am setting..............read again next time.
this is me Lorina
Lesson for today: Foreclosure
The legal process by which an owner's right to a property is terminated, usually due to default. Typically involves a forced sale of the property at public auction, with the proceeds being applied to the mortgage debt
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