Randy Kelton says Bob Hurt is a “Mean Son-of-a-bitch?”

Dear Randy Kelton:

Rumor has it that you referred to me as a “Mean Son-of-a-bitch” on Talkshoe.  I write this in response.  Feel free to promulgate it to others.

First of all, I have never met you in person, but when I mused over the spanking a Texas judge gave in a foreclosure defense effort, and you said you lost the case intentionally, I concluded that you are a better enemy than friend to foreclosure victims, and I wrote something similar on the LivingLiesTheTruth.com blog.  Maybe that’s why you think I’m mean. As I see it, anyone who would lose a foreclosure case on purpose is mean.

I used to put on seminars to teach foreclosure defense. I quit after I concluded that NEARLY ALL foreclosure defenses fail utterly because borrowers agreed to allow foreclosure for failure to make timely loan payments.  At best, most typical foreclosure defenses have standing as their basis, and ultimately the right party with standing will come forth, foreclose, and force a sale of the property, OR the borrower might convince the creditor to take a keys-for-cash or other deed-in-lieu-of-foreclosure deal.  And sometimes the borrower can arrange for the creditor to approve of a short sale.

In any case, foreclosure defense efforts result in the borrower LOSING the house, LOSING all the cost of the defense, LOSING at least part of opponent’s attorney fees and costs, and LOSING in terms of the emotional wear and tear on the family.  A temporary dismissal of a foreclosure action is NOT a win.  It’s a dilatory ploy that violates bar rules, and actually just prolongs eventually losing the foreclosure defense effort.

I concluded after some investigation that fraud and other tortious conduct, legal errors, contract breaches and regulatory violations underlie MOST home loans of the past 15+ years, and that gives salient causes of action to borrowers who choose to go on the attack and seek damages in court or in negotiated settlement.  So I created the Mortgage Attack web site to teach people to ATTACK the perpetrators of those causes of action.  As you will see from  a careful examination of the web site, I explain why foreclosure pretender defender attorneys (and similar practitioners) are nothing more or less than SCAMMERS trying to bilk their feckless clients out of money while leading those clients inexorably into the jaws of foreclosure.  And I do not charge any money for giving people that education.

I do, however, recommend to all mortgagors that they enlist the services of a competent mortgage examiner who will find all the causes of action underlying the loan transaction and related events throughout the life of the loan, including litigation.  I know only one firm competent enough to do that job, and I refer interested parties to that firm at NO CHARGE.  Sure, the company charges a fee for that service, but it is about 1/3 of what a lawyer would charge IF the mortgage victim could find a lawyer competent to do the work, which he cannot.

It takes a monumental amount of knowledge and skill to find all the causes of action underlying the loan transaction.  An investigatory team must know cold and have a profound WORKING KNOWLDGE of all the regulatory state and federal laws including FDCPA, FCRA, HOEPA, TILA, RESPA, ECOA, HAMP, HARP, etc., all the typical means of cheating borrowers, the intricacies of appraisal and lending practice and scams, mortgage lending processes nationwide, meticulous details of uniform lending instruments, contract law, tort law, statutes of limitations, unique laws, rules, and binding court opinions of various jurisdictions related to mortgage/deed-of-trust lending, the intricacies of mortgage loan servicing, loan modifications, forebearances, bankruptcies, foreclosure actions, non-judicial foreclosure process, note assignments, Federal and State rules of evidence, civil procedure, and LITIGATION PRACTICE.  The team must examine the appraisal, loan application, note and allonges, security instrument, closing documents, escrow statements, servicer/creditor correspondence, legal notices, AND court filings, pleadings, petitions, motions, notices, transcripts, rulings, opinions, judgments, and orders.

WHO, Randy Kelton, DO YOU KNOW with that kind of knowledge and skill?  Certainly none of the pompous pretenders pontificating about mortgage litigation on TalkShoe beyond the point of embarrassment.

Let me tell you what I consider constitutes “HELPING” a mortgagor facing foreclosure:

  1. Tell him the truth that he deserves to lose the house for failing to make proper, timely monthly payments and/or maintain the property in accordance with the loan security instrument.
  2. Tell him the truth that his best way of negotiating a loan mod favorable to him OR of winning MONEY DAMAGES is to get a competent loan examination team to examine all the documents and circumstances having anything to do with that loan from day zero to present time, including litigation documents, to FIND the proof of his injuries, present the statement of injuries with evidence to the creditor and other injurious parties, then demand settlement or sue.
  3. Tell him the truth that hiring a team to do that can easily cost $5,000, and if he cannot afford that, then …
  4. Tell him the truth that the honorable thing to do is to sell what he doesn’t need, rent another dwelling, call 800-689-8684 (Allied Van Lines) to schedule the family’s move, pack the household belongings, hand the keys to the creditor/servicer, shut off the utilities, and MOVE.
  5. Tell him the truth that attacking standing through responsive pleading or declaratory judgment / quiet title action will at best prolong the agony of loss of the property.
  6. Tell him the truth that short sale or deed in lieu of foreclosure are the best options if he cannot go on the attack, because those will minimize the damage to his credit rating.
  7. Tell him the truth that foreclosure defense through the courts will cost him money that he needs to save for moving his family, that he will ultimately lose, and that he will end up having to pay not only his own legal fees and costs, but also his adversary’s legal fees and costs.
  8. Tell him the truth that a loan modification is ONLY for people who can actually pay their mortgage payments fully and timely, and it is not for mortgagors who must struggle to pay because the balloon that comes due will put them right back into foreclosure if they are typical.
  9. Tell him the truth that a foreclosure battle can damage him and his family emotionally, and even cause the family to break up.

If you sell your mortgage rescue services to people WITHOUT telling them all the above, then how does my warning people to beware of your service make ME a “MEAN SON-OF-A-BITCH?”

Oh, you want to know WHO does that mortgage examination service that you cannot do because of your paucity of technical knowledge and meager experience?

Mortgage Fraud Examiners

I have yet to find ANY comparable service anywhere.


“I’m not a home savior,” says Storm Bradford

Storm Bradford of Loudon County, Virginia founded a litigation support company decades ago (see http://LawPartnerOnCall.com) to help attorneys win cases.  As an adjunct to that activity, he founded Mortgage Fraud Examiners to aid attorneys for borrowers with mortgage problems. Bradford’s team examined every aspect of a loan transaction from inception to present time in order to discover who injured the borrower and how. THIS, according to Storm Bradford, was the ONLY way to beat foreclosure because it enabled the borrower to attack the injurious parties in court and win legal fees plus compensatory and punitive damages.

Around the same time, attorney Neil Garfield came out of retirement with a new and different business plan.  He started delivering seminars across the land encouraging attorneys to take on broke mortgage foreclosure victims as clients, and charge them $500 to $1500 per month to drag out the foreclosure proceedings as long as possible, sometimes as much as 5 or 6 years.  In that way, the attorneys could earn $20,000 to $50,000 per client and use only cookie-cutter / copy-machine pleadings without doing any real work other than leading the client by the hand into the inexorable jaws of foreclosure.

Those who learned first hand the value of Storm Bradford’s comprehensive mortgage examination from his web site http://MortgageFraudExaminers.com discovered that they could negotiate settlements with the injurious parties and never have to go through foreclosure.  They looked at Storm Bradford as their “SAVIOR” because the examination report provided information that enabled them to stop the foreclosure and settle with the creditor.

I’m NOT a home savior,” declared Bradford in an interview. “I just give the loan transaction the equivalent of an MRI [magnetic resonance imaging, Ed.], showing evidence of the injuries to the borrower, just as an MRI shows evidence of a brain tumor.  A patient will need a competent surgeon to remove a brain tumor.  A borrower might need a competent attorney to sue the servicer, creditor, lender, appraiser, mortgage broker, title company, or other party.  But usually the borrower can negotiate a settlement because the injurious party wants to avoid the expense of losing in court.

“So, while borrowers might see me as a savior, actually, I just show them how they got injured in the loan transaction,” Bradford said,  “and if artfully presented in court, that evidence is worth its weight in GOLD because it can win a judgment in favor of the borrower!”

These days, Neil Garfield still schemes to get clients for mortgage-related services that some consider worthless.

Meanwhile, Storm Bradford still performs comprehensive mortgage examinations that give borrowers evidence of injuries, and their only possibility of prevailing in a dispute involving the foreclosure and related counter claims and cross claims.

To many, Storm Bradford is both Hero and SAVIOR!

Share your comments below.

Mortgage Fraud Examiners And CFPB Go After Common Foes

Reston, VA – 26 November 2017 – The Consumer Finance Protection Bureau (CFPB) slammed online mortgage lender Amerisave with a $19.3 million disciplinary penalty for bait-and-switch mortgage lending tactics.  While the CFPB started its work of policing lenders in 2010, Virginia’s Mortgage Fraud Examiners has worked assiduously years before helping borrowers hold accountable banks and related entities involved in the mortgage transactions for their scurrilous tactics. MFE services complement those of the CFPB, providing a rounded solution for consumers.

Mortgage Fraud Examiners specializes in examining borrower’s mortgage transaction documents, to expose evidence of contract breaches, legal errors, tortious conduct, regulatory violations, etc.  This evidence provides borrowers with proof that the bank and others may have injured them.

This process differs dramatically from CFPB’s process.  The CFPB requires the borrower to submit a written complaint providing evidence of wrongdoing. If the CFPB accepts the dispute, a specialist will review it for violations of consumer protection laws, and take action against the lender if a violation warrants it.

Storm Bradford, the Founder of Mortgage Fraud Examiners provided insight into the borrower dilemma. “Banks, appraisers, mortgage brokers, title companies, realtors and sellers have dozens of ways they can injure borrowers,” Bradford said. “The CFPB is unaware of these damages because the borrower doesn’t know about them and therefore cannot report them.  That’s where MFE comes in to save the day,” he continued.

Borrowers provide their mortgage transaction documents to MFE. The examination team evaluates every piece of paper, to find the actual evidence of injuries and violations. The borrower or an attorney uses them to negotiate a settlement with, or to formulate complaints against, the injurious party.

“The homeowners and attorneys that have utilized the methodologies of MFE have received financial settlements, set-offs, free and clear property to millions dollar awards,” Bradford added.  “MFE and the CFPB give the borrower the only practical ways to hold lenders and their associates accountable for injuring the borrower.”

MFE serves the CFPB as well as the borrower by operating like a Crime Scene Investigation (CSI), according to Bradford.  “We have our clients file complaints with the CFPB detailing the injuries they suffered and the parties responsible.”  “The CFPB can start their own investigation.  That saves them an enormous amount of time.  In that way they get to use our expertise free, ” he concluded.

Mortgage Fraud Examiners service provides top value to borrowers with mortgage trouble, according to California-based loss-mitigation negotiator Suzanne Reed.  “Consumers desperately need the service of Mortgage Fraud Examiners to help them save their homes from foreclosure,” she said.  “Without MFE’s mortgage examination analysis, borrowers have no hope of avoiding loss of the house.  That MFE examination is a bargain because attorneys generally cannot or will not do it, and the exam report gives me enormous leverage in my negotiation efforts.”

Reed went on to acknowledge the CFBP’s value. “I applaud the CFPB,” she said, “for what they have accomplished in spanking the lending industry for its abuses against borrowers.  We need more organizations like it for oversight of the real estate and appraisal industry.”

For more information, contact Storm Bradford:

Mortgage Fraud Examiners

Telephone: (800) 540-EXAM (3926),

Web site:  http://MortgageFraudExaminers.com

E-mail:  http://MortgageFraudExaminers.com/email

Movement To Have Neil Garfield Disbarred

Over the years we have received numerous calls regarding Neil Garfield, not one of those positive. He’s been scamming homeowners for several years now. He claims he’s won hundreds of cases. The truth is nobody has ever found any evidence of him EVER winning a case, but there is plenty of evidence where the courts have made fun of his ridiculous arguments. He holds himself out as a TILA rescission expert, facts are he has no clue how it works. His arguments are so specious he either has dementia, or is totally incompetent.

In order to protect homeowners from this charlatan, we urge anyone that has had a losing experience with him, to file a bar complaint, and/or sue him for disgorgement of fess or malpractice.


It has been my personal experience and the experience of many that have gone to these groups, that they are nothing but cesspools of “securitization/chain of title audit scammers, stall attorneys and their “useful idiots,” that parrot and promote discredited legal theories and stall arguments like “produce the note,” “split the note,” “MERS,” “assignment,” “only the owner can foreclose,” “standing,” and nonsense arguments from known scammers like Neil Garfield, other legal incompetents.

As one consumer advocate so fed up with the lies and other misinformation she read proclaimed: “they’re nothing but a bunch of losers committing mass suicide.”

Moreover, these homeowners, who have become the “useful idiots” of these scammers, instead of thanking those of us for exposing these charlatans, chastise us for calling them what they are. This type of leftist political correctness makes these feckless homeowners part of the problem, not part of the solution.

For those that want to learn what really works, and what doesn’t, the only foreclosure help group that actually has helpful information is “Stop Foreclosure With Strategies That Actually Work.”

Latest Nonsense From Neil Garfield

Garfield claims there have been “tens of thousands” of wins by homeowners. Would be interested to see evidence of Garfield winning any of these “tens of thousands” of cases. The facts are, the only cases where Garfield was involved were terrible losses.



Just recently, we’ve been alerted by several homeowners about Fraud Stoppers videos and literature that contain lies and disinformation. For example they claim that the Supreme Court of the State of Kansas stated in LANDMARK NATIONAL BANK v. KESLER that “the splitting of the note and mortgage creates an immediate and fatal flaw in title”. The alleged quote posted by Fraud Stoppers doesn’t exist, most scammers make up quotes in an attempt to back up their ridiculous arguments.  Moreover, courts around the country have held that a deed of trust ” ‘split’ from the note through securitization, DOES NOT render the note unenforceable. JOHNSON V. HOMECOMINGS FINANCIAL, 2011 WL 4373975, at *7 (S.D.Cal. Sep.20, 2011); CERVANTES V. COUNTRYWIDE HOME LOANS, 656 F.3d 1034 (9th Cir. 2011) (The “split the note” theory has no sound basis in law or logic.).  

To make matters worse for unsuspecting homeowners, a federal court found a homeowners arguments supplied by Fraud Stoppers to be “meritless:”

“Plaintiffs apparently learned their securitization theory from http://www.FraudStoppers.org, as nearly half of the Complaint is verbatim from this website.” https://scholar.google.com/scholar_case?case=5570767654066104797&q=%22fraud+Stoppers%22&hl=en&as_sdt=20006

They’re also disseminating other nonsense: https://www.youtube.com/watch?v=gyppH6r2YYo  Real facts regarding the Daly case can be found here: http://mandelman.ml-implode.com/2013/01/are-mortgages-fraudulent-the-case-from-credit-river/

Sadly, homeowners have already succumbed, or will succumb to Fraud Stoppers slick marketing campaigns, but Mortgage Fraud Examiners will continue to expose these scammers, and others like them, to warn the public, and unsuspecting homeowners that may be facing foreclosure.