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UNINTENDED EFFECTS AND INADEQUATE CONSUMER BENEFIT: ANALYZING SCHWARTZWALD

IN THE EYE OF THE STORM:
Why the Threat of Foreclosure Damage Continues (3/15)

"Truth-In-Lending Act Loan Rescission Claims: Filing a Suit is Unnecessary to Rescission (3/15)

"The In-House Legal Professional's Guide to Drafting Affidavits That Stand up To Scrutiny" written by foreclosure-mill Locke-Lord.

THE PRO SE LITIGANT'S STRUGGLE FOR ACCESS TO JUSTICE

Why Mortgage Fraud Matters (U.S. Attorney Ben Wagner)(2010)

Dealing with the Pro Se Litigant

Handbook Of The Law Of Contracts

LITIGATING ARTICLE III STANDING: 
A PROPOSED SOLUTION TO THE SERIOUS (BUT UNRECOGNIZED) SEPARATION OF POWERS PROBLEM

STANDING TO FORECLOSE: A MASSACHUSETTS CASE STUDY AND MULTI-JURISDICTION SURVEY(4/13)

How the UCC Replaced the US Constitution (1996)

Tom Cox: Why We Should Not Trust Mortgage Servicers and their Lawyers (11/14)

Misuse of Motions to Strike Affirmative Defenses: "I do not think it means what you think it means." (5/13)

Third-Party Defenses to Mortgages (2001)

THE DOCTRINE OF UNCONSCIONABILITY

Subprime Scriveners  (6/14)

STANDING

TAKING A STAND ON STANDING: THE REAL PARTY IN INTEREST CONFLICT IN OHIO FORECLOSURE ACTIONS (5/12)

Mortgage Foreclosures, Missing Promissory Notes, and the Uniform Commercial Code: A New Article (Citable) (Whaley)

MOOTNESS 

CHASM BETWEEN WORDS AND DEEDS X 
How Ongoing Mortgage Servicing Problems Hurt California Homeowners and Hardest-Hit Communities (5/14)

Important Decision on federal rule amendments favors the "little guy" versus corporations (4/14)

      The ADVISORY COMMITTEE ON CIVIL RULES

Bankruptcy Code Chapter 14: A Proposal (2011)

The Fannie and Freddie Bailouts Through the Corporate Lens (3/14)

PUNITIVE DAMAGES LAW IN WEST VIRGINIA

The Fannie and Freddie Bailouts Through the Corporate Lens (3/14)

Junk Justice: A Statistical Analysis of 4,400 Lawsuits Filed by Debt Buyers (2014)

Foreclosure and the Failures of Formality, or Subprime Mortgage Conundrums and How to Fix Them (12/13)

  Foreclosing on Nothing: The Curious Problem of the Deed of Trust Foreclosure Without Entitlement To Enforce the Note (11/13)

GUARANTEED TO FAIL Fannie, Freddie, and the Debacle of Mortgage Finance (2011)

MBIA PowerPoint Presentation on The Parties’ Motions for Summary Judgment on Successor Liability Based on De Facto Merger in MBIA v. Countrywide (2013)

BARRIERS TO FORECLOSURE PREVENTION DURING THE  FINANCIAL CRISIS (2/14)

REMIC Tax Enforcement as Financial-Market 

    Regulator (2014)

The Financial Crisis: Why Have No High-Level Executives Been Prosecuted? Judge Rakoff(1/14)

  Foreclosure and the Failures of Formality, or Subprime 

      Mortgage Conundrums and How to Fix Them (2013

THE NEW MORAL HAZARD 
     (Robo-testifiers and the Myth of Trustworthy Bank Records)(2013)

FAIR NOTICE AND FAIR ADJUDICATION: TWO KINDS OF  LEGALITY

MERS and its Effects on our Land Recordation System (11/13)

THE PAPER CHASE: SECURITIZATION, FORECLOSURE, AND THE
UNCERTAINTY OF MORTGAGE TITLE (11/13)

ATTORNEY GENERAL MASTO SECURES AGREEMENT WITH SECURITIZER REGARDING LENDING ISSUES

     Assurance of Discontinuance 

Max Gardner: Who Owns the Note? (10/13)

  UNDERSTANDING THE IMPLICATIONS OF THE RESURGENCE OF FIRREA (5/13)

The Analysis and Decision of Federal Court Summary Judgment Motions (1991) Opens in New Window

POWERS OF ATTORNEY: A POTENTIAL FOR FRAUD (8/13)

Uneasy Intersections: The Right to Foreclose
and the UCC

Wall Street in Crisis: The Perfect Storm is Looming (7/13)

Dirty REMICs, Revisited (7/13)

Dirt Lawyers and Dirty REMICs (1/13)

Protecting Homeowners from Non-Judicial Foreclosure of Mortgages held by Fannie Mae and Freddie Mac (1/13)

The Buck Stops Here: Toxic Titles and Title Insurance (2013)

Certainty of Title: Perspectives after the Mortgage Foreclosure Crisis on the Essential Role of Effective Recording Systems (5/13)

STANDING TO FORECLOSE:
 A MASSACHUSETTS CASE STUDY AND MULTI-JURISDICTION SURVEY  (4/13)

Rebalancing Public and Private in the Law of Mortgage Transfer (2/13)

A PRACTITIONER’S GUIDE TO POST-JUDGMENT MOTIONS

“RESULTING DOCUMENTS” CAN BE TOOLS OF DECEPTION – GET PAST SUPERFICIAL APPEARANCES OF ASSIGNMENTS, DEEDS, TRUSTEE
APPOINTMENTS, ALLONGES, NOTICES OF SALE AND SIMILAR DOCUMENTS

Can We Trust Trustees? Proposals for Reducing Wrongful Foreclosures (6/13)

ROBO-LITIGATION Re: Attorney Misconduct at Foreclosure Mills (Dustin Zaks, Esq. 5/13)

Six Years on and Still Counting: Sifting Through the Mortgage Mess (4/13)

Understanding Current Assignment Verification Practices (2012)

Suing Courts (5/12)

Can Attorneys Be Award-Seeking SEC Whistleblowers?

THE JURISDICTIONAL LABEL:
      USE AND MISUSE (2006)

Ohio Supreme Court Decision Affects Ownership of Foreclosed Properties (5/13)

Homeowners Rights Under Foreclosure (Texas)(2008)

Foreclosure Fiasco? Lost Promissory Notes and MERS

FINDING NEMO:
REDISCOVERING THE VIRTUES OF NEGOTIABILITY IN THE WAKE OF ENRON (Levitin/2006)

Yes, I Destroyed the Evidence – Sue Me? Intentional Spoliation of  Evidence (2010)

Now UCC Me, Now You Don't: The Massachusetts Supreme Judicial Court Ignores the UCC in Requiring Unity of Note and Mortgage for Foreclosure in Eaton v. Fannie Mae (4/13)

ROBO-LITIGATION (Dustin Zaks)(3/13)

Florida: RELIEF FROM BURDENS ON REAL PROPERTY RIGHTS (2010)

Attorney Deceit Statutes: Promoting Professionalism Through Criminal Prosecutions and Treble Damages

      ATTORNEY’S ATTEMPTED DECEIT, ATTORNEY AS UNSWORN WITNESS (3/09)

Why Servicers Foreclose When They Should Modify 
and Other Puzzles of Servicer Behavior (2009)

Standing in the Wake of the Foreclosure Crisis: Why Procedural Requirements Are Necessary To Prevent Further Loss to Homeowners (2011)

Rehypothecation (2011)

  THE ELUSIVE LENDER/ ELUSIVE INVESTOR/ ELUSIVE PLAINTIFF PROBLEM BEFORE STATE COURTS IN FORECLOSURE ACTIONS (9/11)

The Fraud Exception to the Rooker-Feldman Doctrine: How It Almost Wasn’t (and Probably Shouldn’t Be) (2011)

  Legal Standing to Foreclose For Now – It’s in the Eye of the Be-“holder” (2011)

Standing in Our Own Sunshine: Reconsidering Standing, Transparency, and Accuracy in Foreclosures (2011)

Cleaning Up the Financial Crisis of 2008: Prosecutorial Discretion or Prosecutorial Abdication? (3/13)

Decoding the MERS Mortgage (3/13)

LOSING OUR HOMES, LOSING OUR WAY, OR BOTH?
FORECLOSURE, COUNTY PROPERTY RECORDS, AND THE MORTGAGE ELECTRONIC REGISTRATION SYSTEM

Advanced Standing Issues in Securitized Mortgage
    Foreclosure (2012)

When Securitization Complicated the Issue: What are the Homeowner's Defenses to Foreclosure? (2009)

  Foreclosure Fiasco? Lost Promissory Notes and the Mortgage Electronic Registration System 1 CLE credit hour | Start at 3:50 - This presentation will discuss the state of the foreclosure crisis and analyze the legal issues and concerns behind the banks efforts to foreclose.

Asset Quality Misrepresentation by Financial Intermediaries: Evidence from RMBS Market (2/13)

Once a Failed REMIC, Never a REMIC (1/13)

Mortgage Foreclosures, Promissory Notes and the UCC (fall 2012)

  IN-HOUSE COUNSEL’S ROLE IN THE STRUCTURING OF
MORTGAGE-BACKED SECURITIES (2012)

HEADS I WIN, TAILS YOU LOSE:
THE PSYCHOLOGICAL BARRIERS TO ECONOMICALLY
EFFICIENT CIVIL SETTLEMENT AND A CASE FOR
THIRD-PARTY MEDIATION (2012)

Reforming the Residential Mortgage-Backed
    Securities Market (4/12)

Mortgage Foreclosure Meltdown: Flawed A!davits, Improper Securitization and Breaks in the Title Chain (2011)

Messy Mortgage Muddles: Recurring Mortgage Claim
Issues in Consumer Bankruptcy (2011)

The Subprime Virus: Reckless Credit, Regulatory Failure, and Next Steps (3/11)

Inequitable Justice: How Federal “Equitable Sharing” Encourages Local Police and Prosecutors to Evade State Civil Forfeiture Law for Financial Gain (2011)

Defending Foreclosure Actions (legitimate defense but  denied the opportunity because of finances)(11/12)

Gaining an Edge in Default Servicing Defensive Litigation (2012)

Subject-Matter-Jurisdiction:

     Reining-in-an-Unruly-Horse (1988)

ALL IN ONE BASKET: THE BANKRUPTCY RISK OF MERS (2/12)

The Fraud Trial (excerpt) (2011)

Declaratory Judgment to Declare a Prior Judgment VOID (1940)

DEED OF TRUST COMMENTARY BASED
UPON BEST AVAILABLE EVIDENCE**

The Growth of Modern Finance (7/12)

FORECLOSING IN A HURRICANE: FLORIDA COURTS STRUGGLE TO DEAL WITH A CRISIS OF EPIC PROPORTIONS (8/12)

Stabilizing the Foreclosure Crisis by Providing Legal Services (10-12)

Where You Sue can Hurt You: Ohio Appellate Courts Split on  

     Ability to Appeal in Foreclosure Actions (6/12)

Forum Shopping in Debt Collection (8/12)

  FRAUD AND ENFORCEABILITY: POTENTIAL IMPLICATIONS
FOR FEDERAL CIRCUIT LITIGATION

The Other Foreclosure Crisis: Property Tax Lien Sales (7/12)

Toward a More Equitable Balance: Homeowner and Purchaser Tensions in Non-Judicial Foreclosure States (5/12)

Turning the Tide: Preventing More Foreclosures and Holding Wrong-Doers Accountable

The Place of Reliance in Fraud (2006)

  BANK v. BANK LITIGATION: NEW CHALLENGES, CONFLICTS EMERGE FOR LAW FIRMS (8/09)

***LOSING THE PAPER: Mortgage Assignments, Note Transfers (5/12)

MERS is Dead: Long Live MERS (Spring 2012)

A Transactional Genealogy of Scandal: From Milken to Enron to Goldman (Levitin)(8/12)

THE BONA FIDE PURCHASER DEFENSE UNDER TEXAS LAW AN OVERVIEW AND REPRESENTATIVE CASES (2009)

REACHING OUT OR OVERREACHING
    Judicial Ethics and Self-Represented Litigants (9/05)

  DEFENDING Junk-Debt-Buyer Lawsuits (6/12)

Toward a More Equitable Balance: Homeowner and Purchaser Tensions in Non-Judicial Foreclosure States (5/12)

REWRITING FRANKENSTEIN CONTRACTS: WORKOUT PROHIBITIONS IN RMBS (12/09)

FORECLOSING MODIFICATIONS: HOW SERVICER INCENTIVES DISCOURAGE LOAN MODIFICATIONS (2011)

  **Property Title Trouble in Non-Judicial Foreclosure States: The Ibanez Time Bomb? (2/12)

“OPTING IN” TO ARTICLE 8 AND OTHER MEZZANINE FINANCING BEST PRACTICES

Facing Foreclosure Alone: 
      The Continuing Crisis in Legal Representation (11/11)

Mortgage Servicers Continue to Wrongfully Foreclose on Homeowners

MESSING WITH MORTGAGES: 
    CONTINUING CONSUMER AND CREDITOR CONFUSION(5/08)

DO WE HAVE A DEBT COLLECTION CRISIS? (3/12)
    SOME CAUTIONARY TALES OF DEBT COLLECTION IN INDIANA

Unintended Consequences: Investor Fallout from the Mortgage Crisis (12/09)

  MERS: The Unreported Effects of Lost Chain of Title on Real Property Owners (6/11)

Computer Forensic Advances Raise Complex Issues (3/12)

ACQUISITIONS AND DISPOSITIONS OF NON-PERFORMING AND  SUB-PERFORMING MORTGAGE LOANS (Dallas Bar) (11/10)

SLAMMING THE COURTHOUSE DOORS
Denial of Access to Justice and Remedy in America (ACLU/2010)

THE SUBPRIME MORTGAGE CRISIS, 

    DIRECTORS AND OFFICERS INSURANCE, AND PERSONAL 

    LIABILITY

APPLICATION OF THE UNIFORM COMMERCIAL CODE TO SELECTED  

     ISSUES RELATING TO MORTGAGE NOTES (11/11)

Obstacles to Negotiability of Residential Mortgage Notes (Max Gardner) (2011)

Intentional Destruction of the Note

The U.S. Housing Market: Current Conditions and Policy Considerations (1/12)

Securitization 101 - Jean Keating Transcript

MERS: A Twenty First Century Creation Navigating An Eighteenth Century Legal System (12/11)

SECURITIZATION IS ILLEGAL (1/10)

THE MERS MORTGAGE IN MASSACHUSETTS: 

     GENIUS, SHELL GAME, OR INVITATION TO FRAUD?**

NCLC review of the Settlement Agreement executed between the Bank of New York Mellon (as Trustee) and the Bank of America, and provide an independent opinion regarding the potential effect of this agreement on homeowners whose loans are serviced by Bank of America. (8/11)

Property Title Trouble in Non-Judicial Foreclosure States: The Ibanez Time Bomb?**

The Building Blocks of MERS (2009)

Reconsidering the Application of the Holder in Due Course Rule to 

    Home Mortgage Notes(2008)

REPORT OF THE PERMANENT EDITORIAL BOARD FOR THE UNIFORM 

     COMMERCIAL CODE

The Battle for Standing Without ‘Actual Injury’

             The briefs in First American v. Edwards

How Special Interest "Super Spenders" Threatened Impartial Justice 

    and Emboldened Unprecedented Legislative Attacks on America's 

    Courts

The Rules of the Road for Securitization of Residential 

    Mortgage Loans  Max Gardner

  Beyond a Definition: Understanding the Nature of 

     Void and Voidable Contracts

DECONSTRUCTING THE BLACK MAGIC OF SECURITIZED 

    TRUSTS:
    ^{HOW THE MORTGAGE-BACKED SECURITIZATION PROCESS IS HURTING}   

     ^{THE BANKING INDUSTRY’S ABILITY TO FORECLOSE
     AND PROVING THE BEST OFFENSE FOR A FORECLOSURE DEFENSE}

^{ROBO-SIGNING: SYMPTOM OF MORTGAGE SERVICERS’ LAWLESS ATTITUDE THAT PUSHES HOMEOWNERS INTO FORECLOSURE (11/10)}

TESTIMONY OF VINCENT FIORILLO 
ON BEHALF OF THE ASSOCIATION OF MORTGAGE INVESTORS (2010)

An Evolving Foreclosure Landscape:
    The Ibanez Case and Beyond (10/11)

First-Party Reliance Not Needed for Mail-Fraud RICO

The Murky Mess of MERS: The Complications of Collecting on 

    Promissory Notes when MERS is Around

Foreclosure's Wake: The Credit Experiences of Individuals Following    

     Foreclosure

Seventh Circuit: failure to file proof of claim does not foreclose your 

    rights

What Is the Probable Effect of Defective Foreclosure

    Documents Under New York Law

Lender-Liability Issues in Securitized Mortgage Loans (08)

  LAW AND ECONOMIC ISSUES IN SUBPRIME LITIGATION

Litigation Ethics: Discovery (2007) 

*Getting Attached: When do allonges meet NY UCC? (2006)

Electronic Records Management (2006)

Staying Home: The Rights of Renters Living in Foreclosed Properties

Why Michiganders have lost faith in judges' impartiality - Sandra Day O'Connor

    (Members of the judicial branch must administer justice  

     impartially, deciding cases solely on the basis of the facts and the 

     applicable law -- protecting individual rights and constitutional  

     guarantees.)

The Case Against Allowing MERS to Initiate Foreclosures (4/11)

Servicers Continue to Wrongfully Initiate Foreclosures (12/10)

The Courts Belong to the People Justice Canady (11/10)

TWO FACES: DEMYSTIFYING THE MERS LAND TITLE 

       THEORY (9/29/10)

DUE PROCESS, FUNDAMENTAL FAIRNESS, AND CONDUCT THAT 

     SHOCKS THE CONSCIENCE: THE RIGHT NOT TO BE ENTICED OR 

     INDUCED TO CRIME BY GOVERNMENT AND ITS AGENT (1984)

A Glance at the Impact of the Subprime 

     Mortgage Crisis on the Title Insurance Industry (2009)

DEFECTIVE REAL ESTATE DOCUMENTS:

    What are the consequences? (2007)

MERS: A Survey of Cases Discussing MERS’ Authority to 

      Act.  (Hon. William L. Norton, Jr., U. S. BK Judge - 8/2010) 

Unsettling Mortgage Law: Implications for 

     Practitioners and  Title Insurers: A Glance at the 

     Impact of the Subprime  Mortgage Crisis on the 

     Title Insurance Industry (2009)

A 50-State Report on Unfair and Deceptive Acts 

                                       and Practices Statutes

Court orders Florida Bar to become 

    involved in mortgage UPL case. Can 

    nonlawyers prepare mortgage documents?

HOW NEGOTIABILITY HAS FOULED UP THE SECONDARY  

    MORTGAGE MARKET, AND WHAT TO DO  ABOUT IT**