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, as nearly half of the Complaint is verbatim from this website.”

They’re also disseminating other nonsense:  Real facts regarding the Daly case can be found here:

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.


Randy Kelton a known scammer and legal illiterate of Rule of Law Radio infamy, who rips off homeowners by teaching them how to lose their homes, got spanked by the court for using his foolish arguments:  Kelton v. DEUTSCHE BANK NATIONAL TRUST COMPANY, Dist. Court, ND Texas 2014 Kelton v. WELLS FARGO BANK, NA, Dist. Court, ND Texas 2016

Homeowners Receiving Multi Million Dollar Awards Attacking Banks Using the Loan Contract

Washington, DC — (ReleaseWire) — 04/05/2016 — When asked how the mechanism works, Bradford explained: “It’s very simple; appraisal fraud, other tortious conduct, contract breaches, errors, setoffs, statutory/regulatory violations, etc., underlie over 90% of mortgage transactions. These abuses give homeowners leverage to beat the banks. When we examine mortgage transactions (contract) and find misconduct, our clients use our analysis to draft and send a contractually mandated ‘grievance letter’ to the Servicer, which mandates they take ‘corrective action.’ Since the damage has already been done, the only “corrective action” they can take is to settle with the homeowner.”

“Most homeowners and attorneys aren’t even aware that the standard Fannie Mae/Freddie Mac mortgage security instrument requires homeowners to send a ‘Notice of Grievance’ putting the lender on notice of any, and all misconduct.” Moreover, the government requires servicers to have processes in place to handle these grievance letters, so now you have the government looking up their behinds.”

“In order to present the strongest argument for the Servicer to take ‘corrective action’, it is a must to have an analysis of the entire mortgage transaction (contract) to identify errors, breaches, omissions, fraud, statutory violations, and/or predatory/unfair lending practices. Moreover, Servicers know that the government comes down hard on them if they don’t cooperate. And they know they will lose if the homeowner sues for damages from injuries resulting from their discretions. So they will usually settle quickly in a way that satisfies the homeowner. The majority of lucky homeowners have reversed their fortunes, obtaining settlements in negotiation, or won monumental damage awards in litigation.”

When asked why homeowners even with lawyers keep losing their homes, Bradford gave a haunting reason: “Most supposed ‘foreclosure defense’ attorneys are giving the homeowner false hope, because their only strategy is making refuted arguments and filing useless pleadings to drag out the inevitable foreclosure. Moreover, these legal charlatans charge their hapless victims tens of thousands for the privilege of losing their home. Unfortunately, legal incompetence and legal malpractice is one of the major reasons so many homeowners have lost their homes.”

Some industry pundits muse over whether foreclosure defense lawyers commit legal malpractice by failing to examine the mortgage transaction. Bradford explained the issue: “Bar ethics counsel has made clear that attorneys commit malpractice by failing to examine contracts when there is an allegation of breach. A foreclosure is basically an allegation the homeowner has breached the contract by their failure to make timely payments. The servicer sends a notice of default and accelerates the loan pursuant to contract. Doesn’t it make sense for the foreclosure victim’s attorney to examine the contract and related documents to determine whether the lender breached first, there are any errors that may void it, and/or fraudulently induced the homeowner into the contract? Common sense dictates that attorneys should be checking whether the mortgage is even enforceable before tackling a foreclosure.”

Thomas K. Plofchan, Jr. an attorney specializing in foreclosures and employs the services of Mortgage Fraud Examiners explains as follows:

“Mortgage Fraud Examiners is the ‘go to’ firm if you want your lender to negotiate on your terms not theirs. They provide a meticulous analysis of the whole mortgage transaction, identifying breaches, errors, and/or fraudulent conduct, which helps me prepare a legal strategy to force a financial settlement and in some of our cases, free title to the property.”

Bradford concludes: “There really are many options available to homeowners, regrettably most of which are worthless services or worthless arguments. Undeniably, the only established procedure for a homeowner to obtain a financial settlement or their home free & clear is through an in-depth analysis of the mortgage transaction. Regrettably, everything else is just wishful thinking or a scam.

If you want to try and reverse your fortunes, consider an examination of your mortgage transaction by contacting Mortgage Fraud Examiners for a free private consultation.

Press Contact:
Storm Bradford