Posted in Foreclosure, Foreclosure Defense, foreclosure fraud

The Foreclosure Hour 10/25/2015: What Every Homeowner Needs To Know About Standing: Successful Ways of Defeating Claims of Standing in Foreclosure Cases




Host: Gary Dubin

Co-Host:  John Waihee

CALL IN AT (808) 521-8383 OR TOLL FREE (888) 565-8383

Have your questions answered on the air.

Submit questions to

The ForeclosureHour is a public service of the Dubin Law Offices

Posted in Financial, Foreclosure

Eviction, desperation artfully driven home | and The Tampa Tribune

Ramin Bahrani’s “99 Homes” throbs with the public fury and private horror of the real-estate collapse.

Set in Orlando suburbs, the movie plunges into the ugly, contentious dramas of foreclosure. It’s a war movie where thresholds are the battle lines.

“This is our home!” cries Andrew Garfield’s Dennis Nash from his doorway when police and a real estate broker for the bank, Rick Carver (Michael Shannon), gather on his lawn to evict him, his young son (Noah Lomax) and his mother (Laura Dern).

via Eviction, desperation artfully driven home | and The Tampa Tribune.

Posted in Foreclosure, Foreclosure Defense

99 Abandoned Homes | The Housing Justice Foundation


The much-praised and long-awaited film “99 Homes” opens in six cities October 2, 2015 and nationally on October 9, 2015. The film is a fast-paced thriller that takes a hard look at the brutal reality of the foreclosure crisis. Audiences and critics have praised the film, particularly the performances of Andrew Garfield, Michael Shannon and Laura Dern, and the writing and direction of Ramin Bahrani.

via 99 Abandoned Homes | The Housing Justice Foundation.

Posted in Foreclosure, Foreclosure Defense

Homeowners’ fight against foreclosure ends with $264K bill | New York Post

Who remembers the Yano-Horoski v. IndyMac case? Everyone in foreclosure defense world were thrilled that the trial court cancelled their mortgage and note after finding that the lender engaged in “offensive” and “repugnant” actions. Here in Judge Spinner’s words, he describes why he decided to cancel the Horoski note and mortgage:

In attempting to arrive at a determination as to whether or not equity should properly intervene in this matter so as to permit foreclosure of the mortgage, the Court is required to look at the situattion in toto, giving due and careful consideration as to whether the remedy sought by Plaintiff would be repugnant to the public interest when seen from the point of view of public morality, see, for example, 55 NY Jur. Equity § 113, Molinas v. Podloff 133 NYS2d 743 (Sup. Ct., New York County, 1954). Equitable relief will not lie in favor of one who acts in a manner which is shocking to the conscience, Duggan v. Platz 238 AD 197, 264 NYS 403 (3rd Dept. 1933), mod. on other grounds 263 NY 505, 189 NE 566 (1934), neither will equity be available to one who acts in a manner that is oppressive or unjust or whose conduct is sufficiently egregious so as to prohibit the party from asserting its legal rights against a defaulting adversary, In Re Foreclosure Of Tax Liens 117 NYS2d 725 (Sup. Ct. Kings County, 1952), aff’d on other grounds 286 AD 1027, 145 NYS2d 97 (2nd Dept. 1955), mod. on other grounds on reargument 1 AD2d 95, 148 NYS2d 173 (2nd Dept. 1955), appeal granted 7 AD2d 784, 149 NYS2d 227 (2nd Dept. 1956). The compass by which the questioned conduct must be measured is a moral one and the acts complained of (those that are sufficient so as to prevent equity’s intervention) need not be criminal nor actionable at law but must merely be willful and unconscionable or be of such a nature that honest and fair minded folk would roundly denounce such actions as being morally and ethically wrong, Pecorella v. Greater Buffalo Press Inc. 107 AD2d 1064, 468 NYS2d 562 (4th Dept. 1985). Thus, where a party acts in a manner that is offensive to good conscience and justice, he will be completely without recourse in a court of equity, regardless of what his legal rights may be, Eastman Kodak Co. v. Schwartz 133 NYS2d 908 (Sup. Ct., New York County, 1954), York v. Searles 97 AD 331, 90 NYS 37 (2nd Dept. 1904), aff’d 189 NY 573, 82 NE 1134 (1907).

As expected, the bank appealed. Judge Spinner’s decision was reversed. And, in a rare move, the bank decided to heartlessly go after the Horoskis and seek a deficiency judgment. In foreclosure world, banks have been allowed to not only get away with fraud with impunity but also to mercilessly exact punishment on their victims.

via Homeowners’ fight against foreclosure ends with $264K bill | New York Post.

The New York family that in 2009 became the national face of beating back “repugnant” and “repulsive” bank foreclosure practices after a judge ripped up the mortgage on their $525,000 ranch home, not only lost an appeal of the judge’s order — and eventually their home — but were also slapped with a $264,500 bill from the bank.

The bill was to cover the difference between what was owed on the mortgage and what the bank got when it sold their 3,400 square-foot home, court records show.

“That’s adding insult to injury,” Suffolk Judge Jeffrey Spinner said of the quarter-million-dollar-plus deficiency judgment.

Posted in Financial, Foreclosure Defense

Jeff Neilson: How Western Governments Will Steal Your Land, Part I | Sprott Money

Below is an excerpt from a very informative article written by Jeff Nielson on Sprott Money. This is a must read for anyone following my site. Back in 2005-2006, I told friends and family, actually anyone who would listen to me, that housing prices were being artificially inflated and this would end badly. As we all know, the housing market crashed in 2008. Hundreds of thousands, if not millions, of persons lost their homes through foreclosure. This has been termed as the biggest land grab in history.

In the past couple of years, I have seen the same trend that was happening in 2005-2006. Once again, housing prices are skyrocketing. Because we have not fully recovered globally from the Great Recession, the results this time will be far more catastrophic.

We already saw that having only one buyer in the market meant that real estate prices would go as low as they could possibly go. Thus having “everyone” in the market (at first) obviously means sending prices as high as they could possibly go – ever. (Can you say “bubble?”)

Now observant readers should begin to see the “fraud” previously mentioned taking shape here. Knowing that the lowest, possible mortgage rates guarantee the highest possible prices, our governments – more specifically, our central banks – took interest rates as low as they could possibly go, and froze them there.

The central banks have taken interest rates as low as they could possibly go, to deliberately create real estate bubbles, all across the Western world. Then they froze these ultra-low/ultra-extreme interest rates, so that these bubbles could grow to their maximum, possible size.

How do we know this was deliberate fraud, and how do we know that our (corrupt) governments are willing partners (actually servants) in this fraud? Simple. To begin with; the central bankers themselves already proved that ultra-low interest rates don’t work. That case study is called “Japan”.

via How Western Governments Will Steal Your Land, Part I | Sprott Money.