Mortgage Challenge System | Living Free and Clear

THE PRIMARY COMPONENT OF THE "EQUITY TRIAD"

MORTGAGE PRINCIPAL REDUCTION USING
ADMINISTRATIVE NOTICES, AUDITS, AND LEGAL PROCESS.

BIG UPDATES COMING IN LIGHT OF THE FORECLOSURE MEDIA STORIES

GOAL: To significantly reduce or eliminate your current mortgage balance and keep your equity, stop foreclosures, and protect your equity through administrative and legal challenges. We believe this is even more possible now with the recent temporary foreclosure moratoriums that have been occurring across the country. Get your case in now, ahead of the crowd who has no real plan like this. We were well ahead of the crowd and still are.

The purpose of the audit to is enhance your case of lender fraud. It is not a guarantee of success or legal advice, Your own actions and follow up are essential. This may be combined with a brief set of letters we refer to as the Quick Procedures. Evidence and standing are the key. Both audits will come with detailed reports and suggested actions.

THE QUICK MORTGAGE SETTLEMENT PROCESS – KEEP THIS SIMPLE

NOTE: ANY DOCUMENTS YOU CREATE OR SEND OR PROCESSES YOU USE, AS PART OF AN INTENDED LEGAL ACTION SHOULD BE REVIEWED BY COMPETENT LEGAL COUNSEL.

1. The idea here is for the lender to "Prove Legal Standing" as the true holder, and prove they damaged party regarding the Mortgage and Note (as many MERS cases have indicated effective). This is taught in detail on the legal call recordings with Atty Ed Maggio and others. Review and use this Administrative Letter system to build case evidence first, then self prepare (suggest using this additional legal guide course – at least get the newsletter), and/or use legal local counsel to take the final legal actions at YOUR direction. You are captain of your ship, so learn first, and stay in charge.

      a. WORKSHEET TO SELF PREPARE YOUR DOCUMENTS AND EVIDENCE DOWNLOAD

      b. QUICK MORTGAGE CHALLENGE DOCUMENTS AND LETTERS DOWNLOAD
           (REV 10-18-2010)

c. QUICK MORTGAGE CHALLENGE OVERVIEW MANUAL DOWNLOAD
(REV 10-18-2010)

2. ORDER A FORENSIC AUDIT – of sufficient quality to support this plan. ORDER FORM – Member price for combo Forensic Audit and Securitization Audit is just $997 total. They will help prepare a file of evidence that can be used to FORCE A NEGOTIATION OR SUE the lender for fraud or other error in your mortgage file. They will indicate recommended actions based on findings. Follow their plan of action. Pricing and details below.

If Federal Violations are uncovered in a Forensic Audit a Demand Letter informs the current servicer that your homeowner exercises their right pursuant to the Federal Truth in Lending Act, 15 U.S.C. § 1635, Regulation Z § 226.23 to rescind the transaction.

Give the servicer 20 Days Notice to provide:

    1.Proposals of Loan Modification
    2. Reduction in principal based on current appraised price
    3. Return all monies paid and terminate the security interest

3. DO SOME SELF LEGAL STUDY using the Jurisdictionary newsletter or optional course, to help you prepare to win, and save a lot on legal costs (optional – others have gotten better results with this approach).

4. GET YOUR EHT TRUST SET UP - if using any expenses partners or have the legal team work with you for an equity share basis ORDER FORM AND DETAILS

YOU SHOULD ALSO RESEARCH LOCAL ATTORNEYS AND PARALEGALS TO ASSIST, who are willing to follow your process and help you complete some final steps locally. This may include negotiating a Principal Reduction (do not settle for a loan mod), based on these findings.

Then if not satisfied, file a QUITE TITLE action based on those findings. We do not generally "recommended" known sources in most counties, but instead the team of attorneys who help with some instruction here, may provide support to your local attorney to complete the filings, if you also are working with these team attorneys under their agreement.

While filing some of your documents, again, get to know a local Paralegal who can help with filings and procedural issues, for less cost than an attorney from some issues.

USING FORENSIC AUDITS

WHY USE AN AUDIT (DOWNLOAD)?

ORDER AND ADVANCED "COMBO" FORENSIC AUDIT - with strong reporting and plan of action suggestions for an attorney to follow.

(3rd PARTY FORENSIC AND SEC LEVEL AUDIT INCLUDED). Performed by processors with years of experience in the title industry, and provide of audits for 3 years running. Basic Member cost is $997 (new price) for 2 audit reports combined which this high power auditor performs. FAST START Member cost is discounted (if ordered within 30 days of joining the Fast Start program only). This is a more complete audit than most public audits available out there. Their written report should be sufficient to aid a local attorney in taking your case, based on out teaching about standing, and fraud.

With this process we will review your forms and papers, then charge via credit card submission, then submit for the audit to begin. There is no way to "prequalify" there results of an audit until is have been performed. Thus the fee is not refundable once processed. They will give you any evidence that may exists to enforce your case.

A dvanced Forensic Audit Application Kit and Order Form

Actual Closed Forensic Audit EXAMPLE from this source

A FORENSIC/SEC fraud survey is essential if you want to force a settlement out of court, or move your case into federal court to get your reduction there.

PLEASE SCAN requested documents and email the requested documents as instructed – do not mail or fax. Use Kinkos or other similar office support stores if you scanning skills are not the best. Must be a Text quality PDF file (not color as they are too large).

To save legal fees and SELF prepare better (to also save money)…be sure to read up using the JURISDICTIONARY. At least sign up for the free newsletter. This will save you a bundle in fees, whether you hire an attorney or not. THIS MAY BE USED IN CONJUNCTION WITH THE FORENSIC AUDIT APPROACH, BUT ONLY IF NEEDED.

PLEASE DO NOT ASK SUPPORT QUESTIONS UNTIL YOU HAVE STUDIED THE NEW MATERIAL.

MANY ADDITIONAL RESOURCES ARE FOUND ON THE LEGAL RESOURCES SECTION AS WELL.

Use this material as a stand alone process, it is generally meant NOT to require SPC, A4V, Phase 1/Phase 2 etc. If you have completed those processes, at least consider the legal filing methods suggested. Those are not part of the curriculum.

If using the mortgage challenge process – Join the Online Forum
to Ask Questions and Network

Living Free and Clear(tm) – Mortgage Education Strategies + Q&A Forum.
Ask and discuss your general questions there.

VISIT OR JOIN HERE
Be sure to indicate when you became a paid member as verification, or you will not be allowed in.

Important: How to Get Technical Related or Accounting Support

Ask your course questions on the FORUM first. Paid members only will be granted access to this private Google forum. Share ideas with other members, also learn common issues there.
If a "technical" or scheduling question cannot be answered on the forum, PLEASE ONLY submit SU PPORT TICKET after that. (such as passwords, appointments, etc). Please follow this procedure, this allows us to handle only urgent technical related matters by support ticket more efficiently.

SALE LEASE BACK no longer available

OTHER REFERENCE MATERIALS – also view the Legal Resources page

POWERFUL VIDEO of a court situation exposing the problem the bank has

JURISDICTIONARY – SELF HELP LEGAL TRAINING – FOR LESS COST THAN 1 HOUR OF LAWYER TIME

STOP FORECLOSURE MANUAL (used to stall or stop a foreclosure if applicable)

LAWYER'S GUIDE TO TRAIN YOUR ATTORNEY TO SUPPORT YOU

ANOTHER LEGAL GUIDE TO UNDERSTAND THE PROCESS(REV JULY 15)

MANUAL – WHERE MORTGAGE FRAUD BEGINS

MANUAL – HOW BANKS CREATE MONEY

Misc. tools you may use later (be sure to have reviewed by an attorney prior to use).

For basic document reviews we suggest PPL DETAILS HERE

QUIT CLAIM DEED RECONVEYANCE/LIEN REMOVAL (optional – use after judge rules)