Congrats Bob, you finally got it done after me badgering you for the last year.
Unlike Garfield’s blog, there will be comments and posts from individuals and attorneys that are, and have been successful in defeating foreclosure. Now, homeowners will have access to verifiable methods and causes of action to help them stay in their homes on their terms, not the banks’.
We’ve created a “safe harbor” for homeowners to come and see what arguments actually work, and to forget the witless arguments desperate homeowners find on blogs like Garfield’s, and the other blogs that follow his misinformation.
Thanks again, for creating light within the darkness.
At first we just laughed at his ignorance and incompetence, but then it became evident he’s totally delusional, which is quite sad. Not only for his mental status, but because he’s convinced other delusionals what he’s posted has any factual or legal basis.
BTW, I was thinking about his alleged status as an attorney, and it hit me. The rciferri moniker through me off. He is Rod Ciferri, a known scammer that works at Loss Mitigation, LLC a known scam group, both are being investigated as we speak.
From there website:
“About Roderick Ciferri esq
The practice emphasizes residential and commercial litigation and trial advocacy, with a concentration on Contract Law, Mortgage Litigation, and Real Property matters. Roderick Ciferri esq HAS TRIED IN SEVERAL HUNDREDS OF CASES and has appeared on televised programs regarding pre-trial procedure and trial strategy and has appeared as a guest lecturer on topics ranging from real estate law to trial practice a national organization dedicated to bringing back professionalism and civility into the legal profession.
Areas of Practice
Real Estate- Roderick Ciferri esq has extensive practical experience in real estate and mortgage matters. We have handled complex and routine unlawful detainer matters, easement disputes, construction defect, environmental, and land use and zoning matters. We are involved in loss mitigation and loan workout solutions, and our firm regularly negotiates with lenders to achieve workable solutions for our clients.”
Which begs the question, here is a guy that has been in Ca. for years, why is he not an attorney there. Couple of reasons, could be, can’t pass the bar, or there is something in his background, like mental illness.
Now first of all, I have no idea what “HAS TRIED IN SEVERAL HUNDREDS OF CASES” means. But if their trying to convey he’s “tried” cases, we know that can’t be true. Because he’s not a member of the Ca. bar. That’s why that Loss Mitigation, LLC is a known scam.
These individuals spreading misinformation and giving false legal advice to homeowners, belong in jail!
LivingLiesTheTruth – this web site presents the truth about issues Neil Garfield and his acolytes raised on Garfiels’s LivingLies blog. Legal issue observers have taken exception to some of Garfield’s law analyses and commentaries. In particular, Garfield’s views seem to support the foreclosure defense business model that reliably causes borrowers to lose their homes or to accept an onerous and burdensome loan modification. Garfield attacks securitization and the lending system. That leads lawyers and pro se litigants to raise such issues in an effort to defend against foreclosure. Those theories of defense typically (nearly always) fail in the long run because of the principle that a borrower who breached a valid note must ultimately forfeit the collateral. In other words, NO viable foreclosure defense exists. History shows that borrowers tend to win compensation or setoffs against their debt when they artfully attack the validity of the loan. That means borrowers must seek and find the injuries they sustained in the lending or servicing process if they want to win anything meaningful.
Garfield says lawyers “get it” if they follow his philosophy of foreclosure defense. We believe they don’t get it, and that their business model leads borrowers astray. That means such lawyers use “cookie-cutter” pleadings (essentially the same pleadings in every foreclosure defense) for one purpose only – to delay the inevitable loss of the house. Or they will delay it and then convince the borrower to purchase a loan modification or short sale service from that lawyer, from which the lawyer makes a handsome commission. In this business model, the lawyer charges hundreds of dollars monthly “for as long as we can keep you in the house,” and then abandons the borrower at the last minute, often failing to show up at the summary judgment hearing.
We believe Garfield and his minions will never acknowledge themselves as liars and philosophic frauds. We believe most mortgage victim clients of those lawyers who “get it” should sue for legal malpractice because the attorney led them into the jaws of foreclosure without ever bothering to examine the loan for torts, contract breaches, legal errors, and regulatory violations that gave the borrower causes of action. We like the idea of exposing their crookedness.
So, we encourage you to offer comments on the articles here, and to name names when complaining about the attorneys who could have helped you get compensated for your injuries, but didn’t. We believe your comments will do more good here than on the LivingLies blog. Readers here will see support for our positions against what we consider as the false doctrines of LivingLies and associated lawyers who don’t get it. We won’t tell you lies, and we will often support our views with salient case law.
We also encourage you to scan any foreclosure complaint and your attorney’s corresponding pleadings, upload them to http://archive.org, and post the link on this site so others can read and compare them. And we encourage you to post your wins in your comments, as well as your losses.
Over time, we will add permanent content via actual web pages, not just blog entries. Please look for the menu at the margins. Also, feel free to follow this blog and share it in your social media pages. We encourage you to create an account, become a subscriber, and tell your friends and associates about this site BEFORE they get in trouble with a mortgage.
You can find other informative articles and commentaries on the Mortgage Attack web site.
By the way, please don’t take my comments as a personal denigration of Neil Garfield. Although I have not met him personally, all of my interactions with him have had a genteel timbre and gracious quality. He seems like a very nice man to me. I just don’t agree with his business model or the underlying philosophy of litigating the wrong issues.