See what people are saying about various aspects of the
EQUITY TRIAD system, our company, and training?
Success stories:
I did the good fight 2 years because of your incredible help and training. I recovered my down and enough to pay cash for a house down south. So we are relocating. Just paid cash for a house outside Atlanta where I will start a business. Lynn – MD
My name is Elisa.
I have a "SUCCESS STORY" to share with ALL LFC Members and Staff.
We would like to Thank TJ, Anita, Ed and Jon and everyone at LFC! Thank you also to our GREAT and MIGHTY GOD, for showing all of us, the corruption that has been brought upon us from Wall Street and giving us the knowledge and strength to fight it. Thank you TJ for LFC because without it, we never would have known that we could fight. Because of LFC, we knew more than most of the Attorneys in the courtroom. Education really is the key that opens the locks of oppressors!
Quite often, I share this LFC educational material with my attorney who is open minded, and takes the time to learn what is happening in the foreclosure crisis… if you have an attorney that doesn't understand or will not allow you to have input into your case, say NEXT!
We had a Foreclosure that we have been held hostage in for 4 years, "DISMISSED WITHOUT PREJUDICE."
The "without prejudice" part is annoying, but overall, this IS a success.
Our Alleged Lender was Option One, with the infamous Law Firm of Marshall Watson as attorney. We then had our alleged mortgage sold to Kondaur Capital. The fun part was that we had both Lenders foreclosing on us at the same time, because neither knew what the other was doing.
We submitted our LFC paperwork, and just stayed in the fight. We finally hired counsel and when we had one of our many days in court, the judge saw what a mess we had, and dismissed the case without prejudice.
The alleged lender Kondaur who supposedly purchased this alleged mortgage from Option One will probably come back, but when they do, we will start the paperwork process all over again. The one GOOD thing in our favor is that the Judge already told the attorney for Kondaur that she may, or may NOT, allow them to move forward with a Foreclosure suit…. she told the attorney that she does not like these assignments and that would be the reason why she may not allow the suit to continue if they file. Our Attorney is prepared, we continue to stay in Prayer for GOD'S favor, and we will NOT give up the fight.
My word of encouragement for any LFC student….make sure you PRAY UP…..and HANG IN THERE…the Lenders WANT you to quit. The Lenders think that foreclosing is their RIGHT… let them know that defending the home that you live in, against fraudulent and flawed mortgages is YOUR RIGHT!!!
AND, most of all, please understand that fighting these lenders is not just about winning a house…this is about OUR RIGHTS AS AMERICANS!! More than ever today, our rights are being stripped from us, and as long as we the American people do not stand up to the oppression, they will push forward… this is OUR time to PUSH BACK!
Keep up the fight, PRAY, and THANK YOU'S go out to TJ, ANITA, and all of LFC. Thank you again to my Heavenly Father!
DISCLAIMER: I know that pushing prayer today is not politically correct… but I have never claimed to be politically correct, so I won't start now! :
-)…..Elisa – Pensacola, FL
"…I have found everything you teach has been exactly right on the money, I appreciate all you do here may be a great example for others that may have doubts that this does not work, It has worked in other situations It just takes finding it to prove it in court" Cindy L.
(after using the processes)….Today my sister received news from her mortgage lender,
indicating that they received the payment to pay off her loan in full! ….Kay P.
1 year later he still has his house, no payments (some challenges finish up though)
Robert – LV
I just left court on a credit card summary final judgement. The attorney for Discover was on the phone. The judge read my documents (I sent a copy to the court at the same time I sent it to the IRS) to the attorney for Discover card, told the attorney that there was a money order included and as far as he was concerned my account has been settled in full. The attorney got a little pissy and said he didn't get this money order. The judge looked at me and told the attorney he will fax him a copy. The judge then told me to have a nice day. This is my third victory in about 3 months. Approx. $40,000 total I did it exactly the way suggested in the strategies section. Dan – Florida
All I can say is WOW! I haven't had support this good since my days of running enterprise level computer system and software installs. Thank you! Dave – Washington
Mahalo a nui loa (thank you very much) for your assistance and support yesterday in our last hour of need… we did not know what to expect at the auction since this was our lastest (4th) postponement….As soon as he got off of the phone, he reached in his bag and pulled out my folder and then he said – the property verbage etc.. and your sale has been postponed Dan K.
This weekend was the best true real estate event I have ever attended. Thanks to you, a lot of homeowners will realize the meaning of true freedom. Actually being inside a home that's free and clear using what you shared with us was amazing. Gary B.
I successfully got through recording the phase 2 docs in the fast track process including the reconveyance (lien release). I also successfully stopped the auction scheduled (not sure if it was the FBI package or the postponement request letter). Eziqiel M
I want to thank you and also the staff of LFC, for all your support, positive energy and time that you provide to make all this to happen. Its my firm belief, that we, as your students will continue your path to educate our fellow men, or at least our direct next generation- our children – Keep up with the good work! Thank you
COMMENT: As a former IRS tax attorney, I can verify this approach and tools can be very effective if used correctly. However, it is unfortunate that most attorneys and CPA's cannot normally assist without fear as these associations effectively deter us from helping in this area. It is simply too powerful…it makes you wonder…(phone quote from a former Tax Attorney).
| This new article just scratches the surface of what we do in our Mortgage Various Process. It shows even the media is catching on.
New York Times October 25, 2009 For decades, when troubled homeowners and banks battled over delinquent mortgages, it wasn’t a contest. Homes went into foreclosure, and lenders took control of the property. On top of that, courts rubber-stamped the array of foreclosure charges that lenders heaped onto borrowers and took banks at their word when the lenders said they owned the mortgage notes underlying troubled properties. In other words, with lenders in the driver’s seat, borrowers were run over, more often than not. Of course, errant borrowers hardly deserve sympathy from bankers or anyone else, and banks are well within their rights to try to protect their financial interests. But if our current financial crisis has taught us anything, it is that many borrowers entered into mortgage agreements without a clear understanding of the debt they were incurring. And banks often lacked a clear understanding of whether all those borrowers could really repay their loans. Even so, banks and borrowers still do battle over foreclosures on an unlevel playing field that exists in far too many courtrooms. But some judges are starting to scrutinize the rules-don’t-matter methods used by lenders and their lawyers in the recent foreclosure wave. On occasion, lenders are even getting slapped around a bit. One surprising smackdown occurred on Oct. 9 in federal bankruptcy court in the Southern District of New York. Ruling that a lender, PHH Mortgage, hadn’t proved its claim to a delinquent borrower’s home in White Plains, Judge Robert D. Drain wiped out a $461,263 mortgage debt on the property. That’s right: the mortgage debt disappeared, via a court order. So the ruling may put a new dynamic in play in the foreclosure mess: If the lender can’t come forward with proof of ownership, and judges don’t look kindly on that, then borrowers may have a stronger hand to play in court and, apparently, may even be able to stay in their homes mortgage-free (our process goes way beyond this). The reason that notes have gone missing is the huge mass of mortgage securitizations that occurred during the housing boom. Securitizations allowed for large pools of bank loans to be bundled and sold to legions of investors, but some of the nuts and bolts of the mortgage game — notes, for example — were never adequately tracked or recorded during the boom. In some cases, that means nobody truly knows who owns what. To be sure, many legal hurdles mean that the initial outcome of the White Plains case may not be repeated elsewhere. Nevertheless, the ruling — by a federal judge, no less — is bound to bring a smile to anyone who has been subjected to rough treatment by a lender. Methinks a few of those people still exist. More important, the case is an alert to lenders that dubious proof-of-ownership tactics may no longer be accepted practice. They may even be viewed as a fraud on the court. The United States Trustee, a division of the Justice Department charged with monitoring the nation’s bankruptcy courts, has also taken an interest in the White Plains case. Its representative has attended hearings in the matter, and it has registered with the court as an interested party. THE case involves a borrower, who declined to be named, living in a home with her daughter and son-in-law. According to court documents, the borrower bought the house in 2001 with a mortgage from Wells Fargo; four and a half years later she refinanced with Mortgage World Bankers Inc. She fell behind in her payments, and David B. Shaev, a consumer bankruptcy lawyer in Manhattan, filed a Chapter 13 bankruptcy plan on her behalf in late February in an effort to save her home from foreclosure. A proof of claim to the debt was filed in March by PHH, a company based in Mount Laurel, N.J. The $461,263 that PHH said was owed included $33,545 in arrears. Mr. Shaev said that when he filed the case, he had simply hoped to persuade PHH to modify his client’s loan. But after months of what he described as foot-dragging by PHH and its lawyers, he asked for proof of PHH’s standing in the case. “If you want to take someone’s house away, you’d better make sure you have the right to do it,” Mr. Shaev said in an interview last week. In answer, Mr. Shaev received a letter stating that PHH was the servicer of the loan but that the holder of the note was U.S. Bank, as trustee of a securitization pool. But U.S. Bank was not a party to the action. Mr. Shaev then asked for proof that U.S. Bank was indeed the holder of the note. All that was provided, however, was an affidavit from Tracy Johnson, a vice president at PHH Mortgage, saying that PHH was the servicer and U.S. Bank the holder. Among the filings supplied to support Ms. Johnson’s assertion was a copy of the assignment of the mortgage. But this, too, was signed by Ms. Johnson, only this time she was identified as an assistant vice president of MERS, the Mortgage Electronic Registration System. This bank-owned registry eliminates the need to record changes in property ownership in local land records. Another problem was that the document showed the note was assigned on March 26, 2009, well after the bankruptcy had been filed. Mr. Shaev’s questions about ownership also led to an admission by PHH that, along the way, it had levied an improper $450 foreclosure fee on the borrower and had overcharged interest by an unstated amount. John DiCaro, a lawyer representing PHH at the hearing, was in the uncomfortable position of having to explain why there was no documentation of an assignment to U.S. Bank. He did not return a phone call seeking comment last week. Ms. Johnson, who couldn’t be reached for comment, did not attend the hearing. According to a transcript of the Sept. 29 hearing, Mr. DiCaro said: “In the secondary market, there are many cases where assignment of mortgages, assignment of notes, don’t happen at the time they should. It was standard operating procedure for many years.” Judge Drain rejected that argument, concluding that what had been presented to the court just did not add up. “I think that I have a more than 50 percent doubt that if the debtor paid this claim, it would be paying the wrong person,” he said. “That’s the problem. And that’s because the claimant has not shown an assignment of a mortgage.” Mr. Shaev said he was shocked when the judge expunged the mortgage debt. “We are in uncharted territory,” he said. “Right now I am in bankruptcy court with a house that has no discernible debt on it, yet I have a client with a signed mortgage. We cannot in theory just go out and sell this house because the title company won’t give a clear title on it.” Among the next steps Mr. Shaev said he would take is to file an amended plan or sue to try to get clear title to the property. Late last week, PHH appealed the judge’s ruling. But Mr. DiCaro and PHH are in something of a bind. Either they will return to court with a clear claim on the property — including all the transfers and sales that are necessary in the securitization process — or they won’t be able to produce that documentation. If they do produce it, they will then have to explain why they didn’t produce it before. Oh, what a tangled web these mortgage lenders weave. |
More regarding the Living Free and Clear 5 to 7 year Year Interest Eliminator Program…..
"…I’m very excited about the Living Free and Clear Interest elimination System…
my target payoff works out to be around 3 – 5 years! WOW! Thank you TJ!
G. Leidelmeyer– Portland, OR
Some skeptics may at first doubt the authenticity of the information, but I’m a CPA and I believe that the information will allow people to become free and clear faster.
John S. – CPA Denver, CO
…"Living Free & Clear is an awesome way to maximize the power of the money you are already making. When you really take a look at how it works it is so logical you will wonder why everyone is not doing it"…Don V. Michigan
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Cindy is paying off in about 8 years with a mortgage that is more than $100,000 over her property value. NOW I am doing the NEW Fast Mortgage Settlement program on several houses – it is not easy, but neither is paying 20-30 years on upside down equity.
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"After I read the e-book I said "wow, this is powerful stuff!" I couldn't wait to show my wife and told her "this is the thing that's going to get us out of debt."
Brett M St. Paul, MN
“Thanks so much for introducing me to this program. I am so excited about how much I am going to be saving.I am going to be able to get out from under a 30 year mortgage in 6.7 years and save a whopping $149,000 in interest. Not only that but just the first month alone I will be paying more than 3 times down on the principal using the Living Free and Clear method over conventional financing. That in and of itself more that paid for the program.On top of all that, I know of a ton of people who will also be interested in paying off their debt and not incur more expenses. What a great way of helping other people and making extra income in my spare time”
Scott S. Vancouver, WA
“I started your program in January 2006 (about 6 months ago) and now in June I’ve already paid down $10,000 more on my mortgage balance. This system is truly amazing and I can’t wait to share it with others.”
Adam S. Portland, OR
Lill G Florida
…Thank you. I am so happy that I found about you guys. You are all a pleasure to be around. I am so honored to be connected with you all. I am deeply and eternally grateful for you and everyone else in Living Free and Clear. My family and I deeply thank you from the bottom of our hearts.
Sylvia R. St. Louis, MO
…I was a true skeptic. After the presentation, I was convinced this could help me and many others in paying down a mortgage in record time. I look forward to learning and using the program in my quest to become debt free.
John W. Florida
…The thrill of graduating from pharmacy school was quickly overcome by the dreadful realization that I had huge loans to repay. On top of my ridiculous student loans, my job as a traveling pharmacist required a reliable car. $15,000 dollars later (after a $3,000.00 down payment) I had a good car and bad feeling- how could I afford $250.00 monthly car payments on top of my regular $400.00 student loan payments? After talking with my success coach he helped me realize that if I paid off my car in 6 years according to the terms of the car loan- it would cost me thousands of dollars. Then he showed me how much money I would lose if I paid my college loan off in 30 years. I was astounded. I decided to follow the formula. I now sleep easier knowing that I will save so much money by following the plan and be debt free in 5 years!!!"
Cullen S. Portland, OR
RESULTS NOT TYPICAL NOR IMPLIED TO BE SO. WORK AND EFFORT ARE REQUIRED.