Monday, April 27, 2020


"We must make our choice. We may have democracy, or we may have wealth concentrated in the hands of a few, but we can't have both." 
                                                                     Supreme Court Chief Justice Louis Dembitz Brandeis
                                                                         (November 13, 1856 – October 5, 1941)

By Danny Hammond
On at least a dozen occasions over that last decade, especially before the known "Too Big to Fail" jumped out of the spotlights, I have been working with clients who had been "used, abused and tattooed" by, let's say Bank of America. I had done some work and sent the clients a bill. Every now and then I would receive a check in payment. I am telling the truth, but it's going to sound like a lie, I would look a the check and it would be from someone like Wells Fargo. Huh?

I just can't believe it.  Are some of you today guilty of this?  Whether they were standing right in front of me or I received the check by mail I would just have to ask, "why do you have your money deposited in a criminal bank that you know is foreclosing on you, as well as foreclosing on millions of other families?   Wells Fargo (or another name that the reader knows well) is the same exact racketeering organization as Bank of America (again, insert name).  There is no company in your life that has done you more harm than one of these banks.  Can you explain to me why you are keeping your money in this bank?  Please, I need to know.  I'm the guy helping you.

The answers were all kind of similar.  Well, Danny, you know they have offices everywhere.  They are just so convenient.

You know that was just an example.  It isn't just two of the biggest names.  There are so many, many more.  But, I used Wells Fargo as an example because they were probably the most abusive and nasty Imposter foreclosing Party and Fictitious Payee of the whole pile.  But, also as they began to be forced to pay fines for felonies for which they were not made to admit guilt that they had to slow down their foreclosure pace.  This caused a new problem, they had become so addicted as an organization to giant piles of easy money that when the time came they saw nothing wrong with opening small accounts averaging 4 per customer and totaling $400 per month in fees from 2 million richer customers.  Customers that wouldn't notice $400 disappearing in smaller chunks from multiple accounts.  $400 X 2 million customers = $800 million dollars...per month.  Unearned, Unjust Enrichment, theft, white-collar crime but you get the idea.

They apologized and promised that heads would roll.  They did.  They fired 6,000 lower-level employees who could not have planned such a scheme or engaged in it, they fired the innocent low level.  Although they may have known that they had been ordered to facilitate it, they had no choice.  They owned a home, cars, kids, kids going to college too.

Don't believe that US Bank N.A., Bank of America, JPMorgan Chase, PNC Bank, and the biggest advertiser that I have seen on TV wanting your deposits, Wells Fargo, weren't the ones that foreclosed on you and stole your home.  They all used surrogates to do the dirty work openly at first.  But, after absorbing billions of dollars in fines that everyone assumed they could afford as a cost of doing (dirty) business they took their names underground and left the work to the surrogates.  Now, they advertise giving money to Charities and noble causes and want you to believe that they love you so much that they will help you care for your money.  Can anyone explain why?  There are plenty of regional and community banks that can give you all of the same services.  There are Credit Unions that will welcome you using your name.  Why would you extend your hand to help the "banks too big to trust?  

This is one of the biggest problems in America.  People do not understand that there is no one watching out for them.  Not their government, not their courts, not their attorneys.  Americans need to watch out for themselves.  The laws that they assume are there to protect them began to be repealed at an accelerating rate starting with the repeal of Glass-Steagall in 1999.  Google that my friends. Or read my 3 part articles on the subject.  I have already researched de-regulation saving you one step in saving your constitution and, in fact, your country.  Do you want to gain some idea of what your Congressmen and Congresswomen are up to? Click on these articles:

Wednesday, April 22, 2020

Foreclosure Fraud: Mortgage Fraud Does Not Mean the Same Thing as Home Loan Fraud

"What if the Hanky Panky is what it's all about?"
                                                                       From a bumper sticker- Author Unknown

A mortgage (the same thing as a Deed of Trust) is no more than the rule book for the agreement between the lender and the Borrrer of what happens if a Borrower can or cannot pay back his loan.   The presence of fraud isn't the burden of the Borrower to prove in court. That is the constitutional duty of the judge.  The judges are betraying their oath to protect the constitution and the "public perception of the nation's courts" on a massive scale.

by Danny Hammond

MORTGAGE:  Defined as-- "mortgage [a conditional conveyance of property as security for the repayment of a loan]"  Proper term is "Security Instrument"

FRAUD:  Defined as-- an intentional misrepresentation of material existing fact made by one person to another with knowledge of its falsity and for the purpose of inducing the other person to act, and upon which the other person relies with resulting injury or damage.

Foreclosing Parties have to prove with concrete and particularized evidence that they are acting legally at the beginning of a case they begin because they are wanting to take something away from someone is who is in possession of the thing.  In other words, the Foreclosing Party must prove that they are, in fact, not committing fraud.  The Borrower is being made to "prove" fraud, by judges is a violation of the constitution, a very grave and wrongful act for a judge.  

So, Fraud is a fact and the "burden of proof" of the Foreclosing Parties is to prove with "concrete and particularized evidence" that they are not committing fraud and that instead, they are the legitimate owner of the loan and that they paid money in a documented transaction to purchase the loan. I have never seen in any foreclosure sale or foreclosure case the written words of the  Foreclosing Party claiming and proving anything at all.  But, it is not for us to argue this with and against the Foreclosing Party.  The judge is the only person controlling his courtroom.  It is he that must review the words of the Foreclosing Party and then file into court his reasoning of finding that the Foreclosing Party has met the constitutional, irreducible, minimum requirements of Standing...or not. No fraudulent Imposter or Fictitious Payee Foreclosing Party can cheat at this.  But, judges can ignore their duty and assist the scheme.  Your judge has most assuredly done this.

Most importantly the Foreclosing Party must do this at the very beginning of the case.  I have never seen this happen either.  

Not at the beginning of a case where the Imposters and Fictitious Payees (real legal terms) are trying to take the most expensive and most precious item that any American can ever own.  The false foreclosing parties are trying to take this thing away from someone is who is in legal possession of the thing.  Homes.  They are taking homes.  I have never seen them doing it legally.  But, in the end, this is the responsibility of the judge.  It is his job to keep the proceedings from "running amuck"!  (It is time that we made the term running amuck a truly legal phrase.)


Friday, April 10, 2020

America is Not The Greatest Country In The World. But, It Could Be.

Posted by Danny Hammond

From: "Newsroom" The Popular TV Series 1st Episode on 24 June 2012, HBO Starring Jeff Daniels as Will McAvoy the highest-rated television newscaster in the country.

Will McAvoy sits onstage with two other journalists and he is an outspoken man. He is obviously holding in a lot more than the others guess. 

A question and answer period begins with a young female college student from the attendees walks to the microphone and says, "this question is, can you tell me in two sentences why America is the greatest country in the world"? 

One of the panelists quickly answers, "Freedom". 

The girl turns to Will, "Mr. McAvoy"?

Will answers sharply with a forced smile, "The New York Mets". 

The Moderator mildly berates him as Will holds his hand over his eyes to block the sun coming through a high window.  He is trying to read two small signs that someone in the crowd is holding in succession. The first one reads, "America is not the greatest country in the world.", and the second one, "But it could be". 

Will can't see who is handling the two signs, but he slowly gets the message that someone is telling him the answer he knows is what he believes. 

The Moderator:   Come on Will, I can't let you get away without answering better than that. 

Will: Ok, fine.  It's not. 

The Moderator: Are you saying... 

Will:   It's not the greatest country in the world, professor, that's my answer. 

Moderator: [pause] You are saying... 

Will: Yes. 

Moderator: Let's talk about... 

Will: Fine. 

Will: [to the liberal panelist] Sharon, the NEA (National Education Association) is a loser. Yeah, it accounts for a penny out of our paychecks, but he [gesturing to the conservative panelist] gets to hit you with it anytime he wants. It doesn't cost money, it costs votes. It costs airtime and column inches. 

You know why people don't like liberals? Because they lose. If liberals are so fuckin' smart, how come they lose so GODDAM ALWAYS! 

And [to the conservative panelist] with a straight face, you're going to tell these students that America's so star-spangled awesome that we're the only ones in the world who have freedom? 

Canada has freedom, Japan has freedom, the UK, France, Italy, Germany, Spain, Australia, Belgium has freedom. Two hundred seven sovereign states in the world, and like 180 of them have freedom. 

And you—sorority girl—yeah—just in case you accidentally wander into a voting booth one day, there are some things you should know, and one of them is that there is absolutely no evidence to support the statement that we're the greatest country in the world. 

We're seventh in literacy, twenty-seventh in math, twenty-second in science, forty-ninth in life expectancy, 178th in infant mortality, 3rd in median household income, number 4 in labor force, and number 4 in exports. 

We lead the world in only three categories: the number of incarcerated citizens per capita, the number of adults who believe angels are real, and defense spending, where we spend more than the next twenty-six countries combined, twenty-five of whom are allies

None of this is the fault of a 20-year-old college student, but you, nonetheless, are without a doubt, a member of the WORST-period-GENERATION-period-EVER-period, so when you ask what makes us the greatest country in the world,  I don't know what the fuck you're talking about?!  Yosemite?!!!

Will calms considerably and draws a breath.

We sure used to be.  We stood up for what was right!  We fought for moral reasons. We passed and struck down laws for moral reasons.  We waged wars on poverty, not poor people. We sacrificed, we cared about our neighbors, we put our money where our mouths were, and we never beat our chest. 

We built great big things, made ungodly technological advances, explored the universe, cured diseases, and cultivated the world's greatest artists and the world's greatest economy.  We reached for the stars, and we acted like men. 

We aspired to intelligence; we didn't belittle it; it didn't make us feel inferior.  We didn't identify ourselves by who we voted for in the last election, and we didn't scare so easy.  And we were able to be all these things and do all these things because we were informed.  By great men.  Men who were revered. 

The first step, in solving any problem, is recognizing that there is one. —America is not the greatest country in the world... anymore. 

Will: [to moderator] "Enough"? 

Please Comment. I am going to. Let's debate why it takes a character in a TV show to say what the majority of us should be saying.  By the way. "Newsroom" is one of my favorite shows ever. Danny Hammond