Well, as you can tell, we've been foreclosed on by Select Portfolio, and now we have a trial date of July 16. We've been in foreclosure for over 5 years now. They play dirty. They kidnapped my grandmother from her home to sign the mortgage in the first place. Had someone take her to the bank to cash the check. Took the money. When she died they foreclosed the 1st time. We sort of won with a reduction in the mortgage and lower payments. When we didn't send in the original amount they threatened to foreclose on us, and they did. It's so much involved that I cannot put it all on paper. But here are our defenses, hope they help you:
1. Exploitation of the Elderly
2. Non Representation of the Elderly
3. Spiking
4. Kidnaping of an elderly person with intent to commit fraud
5. Falsifying employment status
6. Falsifying income
7.intentional inflation of income, assets and credit score
8. Falsifying documents
9. Mortgage Fraud
10. Origination Fraud
11.intentional destruction of records
12. Shabby recordkeeping
13. Improper and unfounded appraisal fees
14. Violation of the Real Estate Settlement Procedures Act (RESPA)
15. Violation of Regulation Z
16. Violation of the Truth in Lending Law
17. Violation of the US District Court Order
18. Violation of the Fair Debt Collection Law (FDCA)
19. Violation of the Fair Credit Reporting Act (FCRA)
20. Violation of the Federal Trade Commission Act (FTC)
21. Violation of the Order issued by Judge Perry Little on the prior foreclosure hearing and Loan Modification Agreement.
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