13 hours ago
And with all this alleged "illegal" activity, you didn't find your home important enough to contact an attorney to stop the "illegal" foreclosure? Right. There is more to the story that you aren't telling us. I have a feeling that you messed up somehow on your end and you want to take it out on the bank. That is usually the case in such stories.
Back in 2005, I could not afford an attorney. SURPRISE. But remember, all along Wells Fargo kept me dangling, making me think they were working with me. Even after the foreclosure judgment, the OFFICE OF THE PRESIDENT sent letters stating they were correcting the charges. And they did. On paper. I didn't know it meant nothing. Like I said, they were blowing smoke up my ass until they could get my home to the Courthouse steps.
In addition to Wells Fargo not correcting what the over payment of my property tax did to my monthly payment for 8 months, they ALSO never registered a lien on my property with my counties Register of Deeds PRIOR to filing their foreclosure action. (A MUST IN FORECLOSURE ACTIONS.) Which is why I always tell homeowners, one of the first things they need to do, is have their register of deeds run a "Chain of Title." Immediately find out who really owns their property. Find out who really has a right to file a Petition to Foreclose. In most instances the lender has failed to register with the REGISTER OF DEEDS because most mortgages have been securitized, and avoiding the register of deeds was the advantage to securitization. Many mistakes are made prior to filing for foreclosure. On the copy of the original Note, on the Assignments, and in changes to copies of recent closing documents from the original closing documents. All documents need to be brought out and compared.
But, Inolen44, I am right with you on fighting for your home, even if you have to fight Pro Se, when you know your lender has committed illegal activity in their wrongful foreclosure action against you. Which is why I've spent the last five years learning foreclosure laws, I've helped others fight for their homes, and I'm now in the Appellate Court in Kansas trying to help my ex-husband hang on to his home. He was told to "miss two payments" so he would qualify for a modification. Then, suddenly, his investor didn't participate in the program. Oops, sorry! Instead we are going to foreclose. I have had hundreds of homeowners report they fell victim to that little trick.
But I know I'll never be as good as an attorney. I know I need a great one to fight Wells Fargo. I now have enough attorneys who have offered to help me fight back at Wells Fargo on contingency. That is always the best way to go.
Fortunately for homeowners, wrongful foreclosures are loaded with fraud, and the statute of limitations never runs on LOSS OF SUBJECT MATTER JURISDICTION DUE TO FRAUD.
So, Inolen44, I thank you for your comment! I believe you will understand why I must, and perhaps you will even encourage me to, take Wells Fargo back to Court on a MOTION TO VACATE JUDGMENT DUE TO LOSS OF SUBJECT MATTER JURISDICTION OVER THIS CASE.
I believe everyone really wants the right party to win.
Kelly L. Hansen