The Homeowner Defense Network

11/04/2018

Forbes has our company listed in Top 20 for job security!! Who do you know that's unsatisfied with their job or looking to increase their cash flow even on a part-time basis from home?? Please send me a private message.

30/03/2018

Concerned about ALL the recent data breaches? Want to protect your children? Keeping your career options open? TODAY PST/1pm EST I'll be hosting a webinar w/ an ID theft expert and former UT Attorney General! Did you know if someone commits a crime in your name or gets a DUI w/ your license, you are GUILTY until proven innocent?! Learn how to protect yourself and capitalize on a booming industry. Seats are limited so message me for an invite. Thanks in advance!

30/03/2018

This is last minute, but I'm hosting a Webinar tomorrow (Fri.) @ 10am PST/ 1pm EST on how to protect yourself against data breaches (FB, Orbitz, & MyFitnessPal just this week!!). I'll have my biz partner Dave Hall who's an ID theft expert as well as a former UT attorney general to talk about our company and the apps we developed!! Would you join and give me your honest feedback? We're limited to 100 seats. Thx in advance!

14/03/2018

Per the FTC, ID theft complaints are increasing year after year; the most common are tax or wage related fraud. Only 15% of identity theft are discoverable by credit monitoring! We offer the only ID theft protection w/ holistic monitoring, licensed private investigators and a $5M service guarantee. If you become a victim, we do whatever it takes for as long as it takes to get you back to pre-theft status. Get peace of mind and protection today! Private message me or click below to learn more. https://ls-info.com/res/2015/54726/

EquiFax Breach: 143,000 million people are at risk - that’s almost half of the US population! Are you protected? With IDShield you can rest easy that your identity is safe.

22/02/2018

BREAKING: Illinois Judge Guilty Of $1.4M Mortgage Scheme, Jury Says

(February 15, 2018, 12:38 PM EST) -- Chicago circuit court Judge Jessica Arong O’Brien is guilty of running a $1.4 million mortgage fraud scheme before she took the Cook County bench, an Illinois federal jury said Thursday.
The jury convicted O'Brien on one count of mail fraud and one count of bank fraud at the end of a rare trial involving federal criminal charges against a sitting judge.
O’Brien, who was removed from hearing cases following her indictment in April 2017, was charged with defrauding lenders through applications for a mortgage

16/02/2018

Another day, another exposed Amazon S3 server. This time FedEx! Please keep me in mind for anyone interested in an identity theft plan for themselves or their family.

http://www.zdnet.com/article/unsecured-server-exposes-fedex-customer-records/

Another day, another exposed Amazon S3 server.

15/02/2018

We're doing a FB Live event on Tax Scams.
If you are an insurance agent or financial adviser get informed how to protect your clients! As if tax season isn't stressful enough, we also have to worry about scammers posing as the IRS. Kayla Chappell, Senior Fraud Investigator with Kroll, will talk about the IRS's "Dirty Dozen" and other tax scams our Kroll Investigators are hearing about from members.
Tuesday, February 27
10 a.m. CT
If interested, message me for details.

13/02/2018

Hey y'all just leaked, Equifax breach WAY worse than originally disclosed. It's not a matter of IF you're info will be used, but WHEN. We offer the only ID Theft protection w/ direct access to licensed private investigators if there's ever an issue and a $5M service guarantee. NOBODY compares. It's like auto insurance, you need it PRIOR to an accident.Contact me ASAP to learn what you can do protect yourself and family.
https://www.cnbc.com/amp/2018/02/12/the-equifax-hack-is-way-worse-than-consumers-knew.html

The Equifax data breach exposed more of consumers' information than the company first disclosed last year.

24/01/2018

91% OF CYBER ATTACKS START WITH A PHISHING EMAIL: HERE'S HOW TO PROTECT AGAINST PHISHING

Phishing attacks continue to grow in sophistication and effectiveness – here’s how to defend against this common threat.

03/01/2018

Concerned about the recent data breaches; Equifax, Uber, etc.? Do you know all Lifelock does is sell Equifax services behind the scenes?! We offer the only identity theft protection with full restoration by licensed private investigators, so protect your family now because just like auto insurance, you need before an incident.
https://my.rapidfunnel.com/res/2015/54726

EquiFax Breach: 143,000 million people are at risk - that’s almost half of the US population! Are you protected? With IDShield you can rest easy that your identity is safe.

23/11/2017

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22/11/2017

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16/11/2017

A court in Sacramento, California recently issued a $45 million dollar punishment in a case of a wrongful home foreclosure and eviction in a deliberate violation of the automatic stay.
The court described the plaintiff-debtors’ treatment by defendant Bank of America as "Kafkaesque", and found the homeowner's deeply emotional testimony (one of them attempted su***de during the ordeal) completely credible, awarding more than $1 million in actual damages for the loss of their home and subsequent emotional distress. The court noted that had repeatedly settled cases with federal and state regulators for hundreds of millions, and even billions, of dollars, in recognition of serious and repeated compliance failures, including some related directly to servicing home mortgages.

15/11/2017

Complaints have been filed stating that some lenders were intentionally delaying settlement of mortgage cases by not having proper documentation in hand in order to make it harder for homeowners to reach agreements that would allow them to hold onto their properties and avoid foreclosure (NYLJ, July 22, 2016).

09/11/2017

A new law in New York that says lenders' legal representatives must bring all the necessary documentation to foreclosure settlement conferences with mortgage holders has been upheld by a judge.
Among other things, the amendments to CPLR 3408 allow courts to impose civil penalties of up to $25,000 plus attorney fees against lenders for their failure to bring the proper documentation to foreclosure conferences, such as proof that they still control the mortgages that are being foreclosed.

08/11/2017

Unlike Florida where there is no statue of limitations and every missed mortgage payment resets the clock, New York enforces the statute of limitations for debt collection including mortgages. A federal judge has granted two New Rochelle, New York homeowners' request to have their mortgage canceled, ending their nearly 10-year battle to keep their house after defaulting on a $544,000 mortgage loan they took out in 2006.
The decision on Thursday by U.S. District Judge Katherine Polk Failla in Manhattan was a defeat for Deutsche Bank National Trust Co, trustee for a trust that owned the mortgage loan, which had argued that the couple was getting a free house on a technicality. Under New York state law, Vito and Marion Costa have a right to the property mortgage-free because a six-year statute of limitations on foreclosing on it had passed, Failla said.

02/11/2017

Mixed feelings about this one.

Amid a deepening federal investigation of Jane Sanders, Vermont Senator Bernie Sanders’ wife, Judicial Watch has obtained records that paint a...

01/11/2017

CFPB, Florida Sue Ocwen For Mortgage Servicing Issues
By Evan Weinberger
Law360, New York (April 20, 2017, 5:02 PM EDT) -- The Consumer Financial Protection Bureau on Thursday sued mortgage servicer Ocwen Financial Corp. in Florida federal court alleging that the firm’s servicing database is riddled with inaccuracies and incomplete information that resulted in wrongful foreclosure proceedings against around 1,000 families, the same day Florida filed a similar suit against the company.
The CFPB's complaint, filed in federal district court in West Palm Beach, Florida, came at the same time that Florida Attorney General Pam Bondi and the state’s Office of Financial Regulation Commissioner Drew J. Breakspear.

26/10/2017

BREAKING: High Court Says Cities Can Sue Banks Over Foreclosure Costs
By Evan Weinberger and Cara Mannion
New York (May 1, 2017, 10:29 AM EDT) -- The U.S. Supreme Court ruled Monday that cities can pursue banks over lost tax revenue on foreclosed properties that were allegedly the result of discriminatory lending practices, but asked lower courts to determine just what types of damages can be linked to those foreclosures.
The U.S. Supreme Court ruled 5-3 Monday that Miami has standing to sue Bank of America and Wells Fargo over claims their bad lending practices led to shortfalls in tax revenue.

25/10/2017

Co-Defendant Likely To Testify Against Ill. Judge, Feds Say
Chicago (May 4, 2017, 5:10 PM EDT) -- The co-defendant of an Illinois state judge charged with running a $1.4 million mortgage fraud scheme is cooperating with the government and is likely to testify at the judge’s trial this summer, prosecutors told an Illinois federal judge overseeing the case Thursday.
Maria Bartko, who was charged along with Cook County Circuit Court Judge Jessica Arong O’Brien, is expected to change her plea to guilty and become a government witness at trial, prosecutors told U.S. District Judge Thomas Durkin, according to a spokesman for the U.S. Attorney's

19/10/2017

Loan Modification: borrower that signed and returned loan modification agreement to lender by mail, and made first three payments due thereunder, which were accepted by lender, was sufficient to support finding of an enforceable agreement, despite evidence that lender had no record of having received signed loan modification – Nowlin v. Nationstar Mortgage LLC, Case No. 2D15-331 (2d DCA June 10, 2016) (reversed and remanded).

18/10/2017

Foreclosure/Statute of Limitations: accrual of cause of action for each missed monthly installment payment accrues the day after each is due to be paid, not on the date of acceleration of entire balance – Ventures Trust 2013-I-NH v. Johnson, No. 5D16-1020 (Fla. 5th DCA May 19, 2017) (affirmed)

12/10/2017

Foreclosure/Attorneys' Fees: plaintiff not entitled to attorneys' fees where failed to present expert testimony as to reasonableness of attorney's hourly rate and hours expended – Sciandra v. Pennymac Corp., No. 2D15-5189 (Fla. 2d DCA May 19, 2017) (affirmed in part; reversed in part; remanded with instructions)

11/10/2017

Standing/Foreclosure: lender not entitled to evidentiary inference that it possessed original note at time of filing foreclosure action because copy attached to complaint did not have loan numbers and, therefore, was not "identical" to original note, with loan numbers – Friedle v The Bank of NY Mellon, et al., Case No. 4D15-1750 (Fla. 4th DCA May 24, 2017)

09/10/2017

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05/10/2017

Lender failed to prove standing because original allonge to note not filed before or at trial – Mathis v Nationstar Mortgage, LLC, Case No. 2D15-2782 (Fla. 2d DCA May 26, 2017) (Reversed and remanded with directions.)

04/10/2017

assignment of mortgage, but not note, insufficient to prove standing – Peters v. The Bank of New York Mellon, Case No. 2D15-2222 (Fla. 2d DCA May 26, 2017) (Reversed and remanded with directions.)

28/09/2017

if plaintiff did not have right to enforce note when lost, plaintiff should present evidence of assignment from payee to plaintiff or affidavit of ownership – Peters v. The Bank of New York Mellon, Case No. 2D15-2222 (Fla. 2d DCA May 26, 2017) (Reversed and remanded with directions.)