Turns Out Scammer Paris Faye, aka Paris Dube, aka Paris Penzin Who Provides Scammer Neil Garfield Chain Of Title Audits Is A Criminal Too.

Paris Faye, aka Paris Dube, aka Paris Penzin became unstable, when asked the following: “You claim to have been a paralegal for umpteen years, but have no money. Didn’t you get kicked out of your rental for not paying your rent? Didn’t you go to jail for being a thief? You committed said crime, but blame it on the fact you had no money. Didn’t you also plead you were indigent in your court cases. Common sense dictates that successful people have money.”

This fraudster scams homeowners with chain of title audits, and readily admits no one has ever won their case using one, which will never happen, even the courts have proclaimed these auditors are “charlatans” and their “paperwork empty gimmickry,”
https://mugshots.com/…/Paris-Faye-Dube.92774862.html

Mortgage Fraud Examiners Tried To Warn Homeowners Of Stall Hacks Like Mark Stopa But Met With Resistance From Scammers & Their Useful Idiots

          This clown Mark Stopa is a criminal, the typical “stall” attorney, who made five million ripping off homeowners with useless arguments; the outcome for his clients–foreclosure. Now after getting disbarred, he wants to blame the courts for his incompetence and illegal activities.
          He claims he tried over 7000 cases over a 7-year period, which is impossible. According to him, he won 2000, which is a lie and is easily provable. And what about the 5000 homeowners who lost their homes. If he was such an expert why did he lose so many. Oh, that’s right the courts are corrupt.
          Expert attorneys win 90% plus of their cases not 20%. The truth be known those so-called wins were dismissals, where the banks came back and re-foreclosed. Guaranteed, almost every homeowner that hired him eventually lost their home!
          Moreover, he was ripping off homeowners another way by talking clients into giving their property to him for a couple of thousand, and then renting out those properties for tens of thousands.
          We have more evidence, not in the Tampa Bay Times article, of other fraudulent and unethical activity by Stopa and other “stall” attys in Florida basically doing the same things Stopa was accused of doing equity skimming, which is a crime.
          What is truly sad is that gullible people believe the lies of these frauds and perpetuate the lies by taking up for such scammers without knowing the truth.

 

Mortgage Fraud Examiners has been warning the public for years that securitization audits were scams. The largest of them Certified Forensic Loan Auditors has now been sued by the CFPB for scamming homeowners.

https://getoutofdebt.org/123213/cfpb-sues-certified-forensic-loan-auditors-for-doing-bad-stuff?utm_content=CFPB+Sues+Certified+Forensic+Loan+Auditors+for+Doing+Bad+Stuff&utm_medium=rss&utm_campaign=website

Mortgage Fraud Examiners Warns Banks Not Possessing Notes Are Still Entitled To Foreclose If They Meet Certain Conditions That’s Why Attacking The Contract Is The Only Proven Method That Works!

https://communications.carltonfields.com/email_handler.aspx?sid=c49c56d6-3e74-4ef8-a946-265a6353b2d5&redirect=https%3a%2f%2fwww.1dca.org%2fcontent%2fdownload%2f425907%2f4590678%2ffile%2f174265_1284_01102019_09203821_i.pdf

HOMEOWNERS LOSE BECAUSE THEY FAIL TO UNDERSTAND A FORECLOSURE IS A BREACH OF CONTRACT CASE

The typical home mortgage comprises two closely related transactions. The first is a contract between the borrower and the lender under which the lender agrees to pay the borrower money in exchange for a promise to repay that money with interest. This is the note. As a condition for entering into that contract, the lender requires the borrower to give the lender a security interest in their property. This is the mortgage. The borrower is the mortgagor and the lender is the mortgagee.

The lenders’ right under the mortgage is like a non-possessory property interest that the borrower effectively repurchases with each payment on the principal of the loan. While the note gives the lender an “in personam” right against the borrower, the security interest gives the lender an “in rem” right against the property. Hence, destruction of the property — say by a hurricane or fire — might destroy the value of the lender’s in rem right, but will not destroy its in personam right to collect the full value of the loan from the borrower even though the property no longer exists.

Now, if the homeowners want a chance to save their homes, it’s necessary and imperative to have the mortgage transaction analyzed. Because the FDIC found that 83% of the mortgage transactions have problems, and 76% of the appraisals as well.

There’s only one firm in the country that provides that mortgage transaction analysis service–Mortgage Fraud Examiners www.mortgagefraudexaminers.com

MORTGAGE FRAUD EXAMINERS WARNS: THE STATUTE OF LIMITATIONS DOES NOT BAR COLLECTION OF AMOUNTS MORE THAN FIVE YEARS PAST DUE

In an opinion issued today, Florida’s Fifth District Court of Appeal joined other Florida appellate courts in holding that the five-year statute of limitations to bring an action to enforce a promissory note and/or mortgage does not prohibit a lender from collecting amounts more than five years past due.

In Grant v. Citizens Bank, N.A., slip op., Case No. 5D17-726 (Fla. 5th DCA Dec. 26, 2018), the Fifth District, sitting en banc, examined whether the trial judge erred in awarding to a foreclosing lender interest that had accrued more than five years prior to acceleration and the filing of the foreclosure complaint. The court noted that while Florida has a five-year statute of limitations to foreclose, the impact of the statute of limitations is simply that acceleration and foreclosure must be based on a default that occurred within the five year period prior to filing the foreclosure action. Each missed monthly installment payment constitutes a new default on which foreclosure may be based. Furthermore, forbearance from accelerating the note upon a borrower’s default does not constitute waiver of the lender’s right to subsequently seek all sums due and owing. Therefore, even if the lender does not file an action on a note or mortgage until more than five years after the borrower’s initial default, the lender may still recover amounts more than five years past due so long as the action commences within five years of maturity or a subsequent missed installment payment.
In reaching this conclusion, the Fifth District receded from its previous opinions in Velden v. Nationstar Mortgage, LLC, 234 So. 3d 850 (Fla. 5th DCA 2018) and U.S. Bank, N.A. v. Diamond, 228 So. 3d 177 (Fla. 5th DCA 2017), cases in which the court concluded that the statute of limitations prohibited the collection of amounts more than five years past due. With Grant, the Fifth District now joins the Third and Fourth District Courts of Appeal in holding that a lender is entitled to recover all outstanding payments upon maturity or acceleration, even those that came due more than five years earlier. See Bank of Am., N.A. v. Graybush, 253 So. 3d 1188 (Fla. 4th DCA 2018); Gonzalez v. Fed. Nat’l Mortg. Ass’n, — So. 3d —, 2018 WL 3636467 (Fla. 3d DCA Oct. 1, 2018).

The First and Second Districts have not directly addressed the interaction between the statute of limitations and the amounts a lender may collect. Given that neither those appellate courts nor the Florida Supreme Court has spoken on the topic, and now that there is no longer interdistrict conflict between the Third, Fourth, and Fifth Districts on the issue, trial courts in all districts of Florida are bound by the Grant, Graybush, and Gonzalez opinions. Thus, lenders throughout the state of Florida are able to recover all amounts owed to them—not just those that accrued within the previous five years.