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SEE 42-in RE Cruz vs Aurora AURORA LOAN SERVICES LLC, SCME MORTGAGE BANKERS INC, ING BANK FSB, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS ALL BITE THE DUST, SUBJECT TO LIABILITY AND NO ABILITY TO FORECLOSE WITHOUT COMPLYING WITH LAW. Salient points of Judge Mann’s Decision: TRUTH IN LENDING was dismissed because they were time-barred. LESSON: Don’t ignore […]
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Posted on August 7, 2011 by Neil Garfield EDITOR’S NOTE: We know the foreclosures were gross misrepresentations of fact to the Courts, to the Borrowers and to the Investors. This article shows the crossover between the MegaBanks — sharing and diluting the responsibility for these fabrications as they went along. If you are talking about […]
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I looked into the records for that entity in the SEC EDGAR online database and discovered that the last annual report was filed in 2007, contemporaneously with a FORM 15 filing.That Form 15 filing claimed a standing under 15d-6 of the 1934 SEC regulations which exempts the entity of filing an annual report, whereby the […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Submitted on 2011/08/24 at 9:08 pm Norwest and Alt-A Land Title & Fidelity National Insurance morpted into Microsoft open platform on CLOUD and portals now through which new GMAC Mortgage & State of Maryland in the pass-thru-agency state portal funded to access FIS, […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: It is comforting to know that at least some people are paying attention. From one of the largest servicers in the country comes an admission that securitization of mortgage loans was an illusion. The facts alleged by AHMSI in its lawsuit […]
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Finality versus good and evil. In the battlefield it isn’t about good and evil. It is about winner and losers. In military battles around the world many battles have been one by the worst tyrants imaginable. Just because you are right, just because the banks did bad things, just because they have no right to […]
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“If you’re allowed to foreclose and kick someone out of his or her home without being the party that either owns the loan or represents the person who owns the loan… if you can ignore those laws, why can’t you ignore other laws too? Which laws apply, when one of the parties didn’t make his […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE see VIDEO $1.2 Trillion in EXTRA BAILOUT MONEY FROM FED SECRETLY GIVEN TO DOMESTIC AND FOREIGN BANKS Of course the figure is much higher, but the secrecy surrounding the money given by the Fed to the banks is something to enrage any tea […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: Here is a good place to start — the devil is in the details. You will find that the more you probe the more people and bad documents emerge. Persistence pays. Here is a letter that one homeowner just sent to […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE The boys are playing rough now, but US Bank, failing to take its queues from Deutsch is plunging ahead with CalWestern by its side, using forged, fabircated, faked documents that wouldn’t be valid even if they were properly executed. The securitizers tricked and […]
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SAN FRANCISCO — Attorney General Kamala D. Harris today announced that the California Department of Justice, in conjunction with the State Bar of California, has sued multiple entities accused of fraudulently taking millions of dollars from thousands of homeowners who were led to believe they would receive relief on their mortgages. Attorney General Harris sued […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE IF THE BANKS DON’T OWN THE PROPERTY OR THE MORTGAGE, WHO DOES? EDITOR’S NOTE: My figures tracking thousands of foreclosures indicate the same thing that the New York Post found. There are a scattered few foreclosures that are good old-fashioned foreclosures of valid […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S COMMENT: I was talking with an expert in landlord tenant law and I received an interesting suggestion. The case involved someone who has just been served with a writ of restitution where the owner had to peaceably leave her home — or […]
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Wednesday, August 17th, 2011, 2:49 pm A controversial case challenging the ability of Mortgage Electronic Registration Systems to foreclose on a California man was filed with the Supreme Court Monday, making it the first major MERS case to reach the nation’s highest court. If the Supreme Court agrees to hear Gomes v. Countrywide, Gomes’ attorney, […]
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by KERRI PANCHUK Proposed Illinois Legislation Would Freeze Evictions for Four Months California AG Wants Pay Option ARM Answers Does the Senate’s housing bill encourage foreclosures? California Law Freezes Foreclosures, Burns Servicers Short Sales Cost Lenders $310m More Than Necessary, CoreLogic Study Finds Thursday, August 4th, 2011, 7:31 am A California man is on a […]
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So you have denied the claims of the pretenders and put that in issue. You have even alleged fraud, forgery and fabrication and the catch-word “robosigning”. But the Judge, alleging that he did not want to “make new law” (which wasn’t true) or allegedly because he didn’t want to start an avalanche of litigation interfering […]
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Contact Us: MortgageReductionLaw.com Dear Homeowner, It’s been widely reported around the country, via internet, blogs and newspapers, how the lenders used the foreclosure mills and other legal ways, to fabricate fraudulent documents to record in the county recorder offices and pretend they have legal standing to initiate the foreclosure procedure. Neil Garfield in his blog […]
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TIMOTHY L. MCCANDLESS, ESQ. SBN 147715 LAW OFFICES OF TIMOTHY L. MCCANDLESS 820 Main Street, Ste. 1 Martinez, CA (925) 957-9797 Telephone (909) 382-9956 Facsimile Attorney for Defendant Zenkarla S. Salazar SUPERIOR COURT OF THE STATE OF CALIFORNIA IN AND FOR THE COUNTY OF SANTA CLARA GMAC MORTGAGE, LLC FKA GMAC MORTGAGE CORPORATION, Plaintiff, vs. […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: We know the foreclosures were gross misrepresentations of fact to the Courts, to the Borrowers and to the Investors. This article shows the crossover between the MegaBanks — sharing and diluting the responsibility for these fabrications as they went along. If […]
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posted by Katie Porter As challenges to whether a “bank” (usually actually a securitized trust) has the right to foreclose because it owns the note and mortgage become more common, rumors swirl about the ability to use such tactics to get a “free house.” There are a few instances of consumer getting a free house, […]
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From LivingLies: I think that everyone is missing the #1 problem MERS has in CA. MERS is a Non-Authorized Agent and cannot legally assign the Promissory Note, making any foreclosure by other than the original lender wrongful, for the following reasons. 1) Under established and binding Ca law, a Nominee can’t assign the Note. Born […]
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Posted on August 1, 2011 by Neil Garfield I WRITE THIS BECAUSE WITH SO MANY PRO SE LITIGANTS AND UNINFORMED LAWYERS WEIGHING IN IT IS SOMETIMES NECESSARY TO CLARIFY THE ISSUES. Quiet Title is not a defense. If used defensively you will most likely lose your case and also unintentionally waive rights that you might […]
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Pro Per Debtor Stops Attorneys for US Bank – in RE Deamicis Posted: 31 Jul 2011 10:21 PM PDT Pro Per Debtor Stops Attorneys for US Bank – in RE Deamicis By Daniel Edstrom DTC Systems, Inc. She has been fighting tooth and nail. Nobody was listening. The current bankruptcy judge was skeptical when she […]
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Recent Consent Orders Consent Order, Sovereign Bank, Wyomissing, Pennsylvania, 04410, NE-11-17, April… Order shall be directed to the Comptroller of the Currency, or to the individual, … or office designated by the Comptroller of the Currency. Sovereign Bank Consent Order Page
http://www.mortgagedaily.com/forms/OccConsentOrderSovereign041311.pdf Consent Order, OneWest Bank, FSB, Pasadena, California, 18129, WN-11-011,
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A Bakersfield homeowner is taking on a bank, in a battle that could have sweeping implications for people facing foreclosure. Mark Demucha wants Wells Fargo to prove it owns his home loan. And, if his lawsuit is successful, it could set a legal precedent that slows or even stops foreclosures across the state. “Filled out the […]
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17 News Investigation: Homeowner challenges bank. Filed under: Foreclosure, I Have a Plan, lis pendence, mers, Mortgage modification
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One West Bank click to see full order from comptroller of the currency Filed under: I Have a Plan Tagged: one west
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A. Standing The party seeking to invoke federal jurisdiction has the burden of establishing standing.28 Constitutional standing analysis includes three elements: (1) the plaintiff must have suffered an injury in fact—an invasion of a legally protected interest which is (a) concrete and particularized, and (b) actual or imminent, not conjectural or hypothetical; (2) there must […]
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(1) Notaries Public § 1–Disciplinary Proceedings–Time for Instituting. Disciplinary action taken by the Secretary of State against a notary public was not barred by the fact that the proceeding was instituted more than three years after the notary’s alleged improper act and more than one year after its discovery. Statutes of limitation barring civil actions […]
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SEPARATION OF DEED OF TRUST FROM NOTE: Bellistri Opinion Posted on April 28, 2010 by Neil Garfield There is a lot of conflicting opinions about this. My opinion is that the confusion arises not from the law, not from application of the law and not from what is written on the note or deed of Trust. […]
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Brand New, Hot Off The Presses MERS Policy Bulletin July 24th, 2011 | Author: Matthew D. Weidner, Esq. After years of claiming that assignments don’t matter and the date of assignment certainly doesn’t matter, the MERS Monster has finally changed its tune, effective July 21, 2011: The Certifying Officer must execute the assignment of the […]
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Stay of Execution and Appeal The defendant may request a stay of execution of the judgment whether or not an appeal is taken. [CCP §918(a), (c).] You may stay execution of the judgment for up to 40 days without the landlord’s consent in a limited civil case (or up to 70 days in an unlimited […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE factual issues for Unlawful Detainer case NFG 7-15-11 Various states have two levels of jurisdiction that make it difficult to raise the proper issues in eviction even if there has been no preceding judicial action or if the preceding judicial action has been […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE The Free House Myth posted by Katie Porter As challenges to whether a “bank” (usually actually a securitized trust) has the right to foreclose because it owns the note and mortgage become more common, rumors swirl about the ability to use such tactics […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: The battle is heating up. BOA, for example, is stepping up efforts to cause as much trouble as possible for those foreclosure defense lawyers who are getting traction in the courts. This started some time ago as some people were actually […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE No Punishment = Continued Misconduct Posted on July 19, 2011 by Mark Stopa Esq.
http://www.stayinmyhome.com/blog/?p=1565 In Maine, a group of drug dealers was caught distributing drugs to local middle schoolers. They confessed, yet the District Attorney declined to press charges, so the drug […]
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Recently Discovered Flaw in Recording System Clouds Titles on Previously Foreclosed Properties The modern system of mortgage refinancing and assignments created during the housing boom has left behind a wave of title defects on properties that have ever had a foreclosure in their history, due to a loophole in the property records recording system. […]
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The brief below as circulated by the California Bar’s: Insolvency Law Committee: Herrera vs. Deutsche Bank National Trust Co., 2011 Westlaw 2547979 (Cal.App.) Facts: A married couple (“the homeowners”) purchased a home at a foreclosure sale. Supposedly, unbeknownst to them, their interest in the home was subject to a prior (and perhaps unrecorded) deed […]
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If the court follows the rules of evidence (and they do) if proper objections are filed. No eviction of a secuitized loan should ever prevail on an eviction; they cannot produce the foundation to authenticate the Trustees Deed it is based upon preliminary facts that they are unable and unwilling to bring to court. The […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: Anyone who has entered into mortgage modification process with BOA or any other bank acting as servicer or otherwise knows the story. The Bank does everything it can to delay the process until the borrower gets into serious trouble and then […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE JUDGES ARE STARTING TO EXAMINE DOCUMENTS AND THEY DON’T LIKE WHAT THEY ARE SEEING “Thus, while A.R.S. §33-807(E) may operate to dismiss a trustee in certain instances, if one of the allegations of a complaint is that the entity purporting to act as […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE The Allonge- Billions of Dollars in Commerce Hangs on A Single Scrap of Paper EDITOR’S NOTE: If you wrote a check to your next door neighbor, you would expect that he would either cash it or deposit it. But what if your neighbor […]
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All banks love to use judicial notice to establish their position but with all the robo signing the evidence is being excluded. ROBERT HERRERA et al., Plaintiffs and Appellants, v. DEUTSCHE 1 BANK NATIONAL TRUST COMPANY et al., Defendants and Respondents. No. C065630. Court of Appeals of California, Third District, El Dorado.Filed May 31, 2011. […]
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False Statements 06/28/2011 California Bankruptcy Judge Laura Stuart Taylor has joined the ranks of judges who will not tolerate fraudulent documents produced by banks to foreclose. Judge Taylor entered an Order To Show Cause why OneWest Bank, FSB, should not incur “a significant coercive sanction intended to deter any future tender of misleading evidence to […]
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From ChaseChase.org: Federal District Court Javaheri v. JPMorgan Chase, Case No. CV10-8185 ODW Otis D. Wright II, Judge, U.S. District Court, Central District of California, Los Angeles Douglas Gillies, attorney for Daryoush Javaheri Plaintiff sued to halt a foreclosure initiated by JPMorgan Chase and California Reconveyance Co. Chase responded with a Motion to Dismiss. Two […]
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By Niel Garfield EDITOR’S NOTE AND COMMENT: LAWYERS BEWARE! Starting up an anti-foreclosure venture and making comments criticizing the system has reportedly caused some investigations to begin and may result in bar discipline for technical infractions. From what I can see, the Bar is focused on UPL — unauthorized practice of law. The use of […]
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Each day I get calls from desperate people hoping against hope the there is a magic document that can be filed or recorded the will magically give them their home free and clear without recourse. I tell them if it sounds to good to be true it probably is. That’s not to say that I […]
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Ohio Judge Steven Terry Found Guilty of Rigging Foreclosure and Mail Fraud Corruption Case AKRON, Ohio – The Cuyahoga County judge charged in the county corruption investigation for allegedly fixing a foreclosure case has been found guilty on three of the five charges he was facing. The federal jury returned the verdict
Abigail C. Field- The $8.5 billion settlement that Bank of New York and Bank of America hope will resolve all (or almost all) mortgage backed securities claims between them has faced a lot of opposition. The attorneys general of New York and Delaware oppose the deal, as do various investors not involved […]
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Lets not get to excited just yet as this comes as a complete surprise. What does this mean for the AG’s who are pursuing their own investigations and how will this help homeowners? Or is this another bailout waiting to happen? NYT- The federal agency that oversees the mortgage giants Fannie Mae and Freddie Mac is set […]
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In case you missed it.. I put together Special Events that Happened in 1999 …Welcome to the 99 Club. It’s incomplete but it was a start to the mess we have today. AP- By PALLAVI GOGOI, AP Business Writer Counties across the United States are discovering that illegal or questionable mortgage paperwork is far more […]
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They can start here: Deposition Transcript of Litton Loan Servicing Litigation Manager Christopher Spradling CNN- NEW YORK (CNNMoney) — The Federal Reserve issued an enforcement action Thursday against Goldman Sachs, saying the investment bank must investigate questionable lending and foreclosure practices in its mortgage unit. The action orders Goldman to hire an independent consultant to investigate […]
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American Banker did an outstanding, superb job with this article. Please read. American Banker- Some of the largest mortgage servicers are still fabricating documents that should have been signed years ago and submitting them as evidence to foreclose on homeowners. The practice continues nearly a year after the companies were caught cutting corners in […]
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Commonwealth of Massachusetts Southern Essex District Registry of Deeds Shetland Park 45 Congress Street Suite 4100 Salem, Massachusetts 01970 NEWS FOR IMMEDIATE RELEASE Salem, MA August 30, 2011 Contact: John O’Brien, Register of Deeds 978-542-1722 jl.obrien@sec.state.ma.us . John O’Brien, Southern Essex District Register of Deeds in Salem, […]
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WSJ– The mortgage industry will take a step toward cleaning up some of its most controversial practices under a deal between a New York regulator and three financial firms, including Goldman Sachs Group Inc. Under the agreement with the state’s financial-services superintendent, Benjamin M. Lawsky, the three firms—Goldman, its Litton Loan Servicing […]
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WSJ- From: Home Loan News Sent: Wednesday, August 31, 2011 4:19am Subject: Important Message From Barbara DeSoer To All IMS Associates I wanted to provide this team with information about a strategic announcement our Home Loans business will make today that is consistent with our ongoing efforts to align the business to […]
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Aug 31 (Reuters) – Bank of New York Mellon Corp said Robert Kelly, who has held the company’s top job since 2008, has stepped down as chairman and chief executive officer, following differences in approach to managing the company. The company, one of the world’s largest custody banks, said it named board member Gerald Hassell as chairman […]
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Bloomberg- New York Attorney General Eric Schneiderman’s office has taken testimony from 53 witnesses in its investigation into Bank of America Corp. (BAC)’s 2008 acquisition of Merrill Lynch & Co., a federal judge said. U.S. District Judge Kevin Castel in Manhattan said in an order today that “there have been 53 examinations under oath by the […]
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UPDATE: It was announced that he’s left to spend more time with his family. According to the Yahoo Message boards: Greg Whitworth FIRED If you do a google search under cached it brings you to his info, but when clicked on the message board link it brings you or redirects one to a 404 NOT FOUND. Mysteriously his info […]
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False Statements Limited Purpose Corporate Officers Action Date: August 31, 2011 Location: TALLAHASSEE, FL A STATEMENT ON MORTGAGE FRAUD THAT EVERY ATTORNEY GENERAL COULD ISSUE TODAY There has been widespread, well-documented abuse of corporate officer titles by banks, mortgage companies and mortgage servicing companies on mortgage-related documents. Individuals who are not corporate officers have been directed to […]
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Hagens Berman Sobol Shapiro LLP today announced that it is investigating concerns by hedge funds and institutional investors who believe Bank of America Corp. (NYSE: BAC) may have failed to disclose to investors the risk associated with a $10 billion lawsuit threat from American International Group (“AIG”) (NYSE: AIG). According to […]
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It’s going to tank! WSJ- Bank of America Corp. intends to sell its correspondent mortgage business, as the troubled lender looks to narrow its focus and bolster its financial strength, said people familiar with the situation. Employees could be notified as soon as Wednesday that the lender has decided to exit the […]
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H/T David Dayen SURE DID! . For immediate release — Monday, October 6, 2008. Contact Bob Brammer – 515-281-6699 . Miller: AGs Reach Agreement with Countrywide Financial that Will Help Almost 400,000 Borrowers Facing Foreclosure The Iowa Attorney General says the settlement will offer mortgage loan modifications to more than 1,100 Iowans that will help many avoid […]
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NEVADA vs. BANK OF AMERICA CORP. | Second Amended Complaint “The Breach, Trusts Never Became Holders of These Mortgages”” NY TIMES- The attorney general of Nevada is accusing Bank of America of repeatedly violating a broad loan modification agreement it struck with state officials in October 2008 and is seeking to rip up the deal so […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE SEE Corrective+Assignment[2] CHUTZPAH: Look it up if you are not familiar with the term. Here is a document that states on its face that Linda Green had no authority to to sign anything on behalf of MERS. So there goes thousands of documents […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE WHY DID THE LOAN SERVICER CLEAR THE LOAN OBLIGATION DOWN TO ZERO? Monday, August 29, 2011 Who owns the loan? The Ohio Supreme Court is taking up the question of what a bank needs to prove to force someone from his home. Story […]
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MOST POPULAR ARTICLES CLICK HERE TO RESERVE SEATING AT HAWAII WORKSHOP GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE SEE US BANK OCC ORDER AND COMMENTARY It will be up on the store soon and on the American Homeowners Cooperative at
http://www.Americanhomeownerscoop.com. Based upon an in depth analysis of our title and securitization combo […]
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MOST POPULAR ARTICLES CLICK HERE TO RESERVE SEATING AT HAWAII WORKSHOP GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Homeowner Associations Wake Up to Collections and Profit!! FORECLOSING ON THE BANK!! EDITOR’S COMMENT: Becker and Poliakoff in South Florida is probably the largest law firm representing homeowner associations in the U.S. Once upon a […]
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MOST POPULAR ARTICLES CLICK HERE AND RESERVE SEATING NOW AT HAWAII WORKSHOP OCTOBER 14 GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE THEY WANT YOUR HOUSE!!! “The banks don’t care whether you made your payments or not. They want your house. They don’t care if someone else made your payments. They want your house. […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: IT ALL COMES DOWN TO THIS: DO YOU WANT TO SAVE THE BANKS OR DO YOU WANT TO SAVE THE COUNTRY? Submitted on 2011/08/27 at 9:20 am by Nancy Drewe National Mortgage News sign up for your own subscription first 2 […]
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MOST POPULAR ARTICLES CLICK HERE TO RESERVE SEATING AT HAWAII WORKSHOP GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE KISS: KEEP IT SIMPLE STUPID Finality versus good and evil. In the battlefield it isn’t about good and evil. It is about winner and losers. In military battles around the world many battles have been […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE “bank is suddenly open to unlimited downside capital risk” BofA’s $8.5 Billion Settlement Could Fall Apart After Request Made To Move Mortgage Case From State To Federal Court As most know by now, the ridiculously low $8.5 billion putback settlement, which was supposed […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: It is comforting to know that at least some people are paying attention. From one of the largest servicers in the country comes an admission that securitization of mortgage loans was an illusion. The facts alleged by AHMSI in its lawsuit […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE “If you’re allowed to foreclose and kick someone out of his or her home without being the party that either owns the loan or represents the person who owns the loan… if you can ignore those laws, why can’t you ignore other laws […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE REFUNDABLE RESERVATION NOW TO RESERVE SEATING CLICK HERE FOR ONE DAY PASS JOIN LIVINGLIES MEMBERSHIP NOW AND GET THE AUDIO-FILE ON LAST NIGHT’S 90 MINUTE BROADCAST WITH MANDELMAN MATTERS AND LIVINGLIES WRITERS. BLOG MEMBERSHIP SUBSCRIPTION We have twice monthly teleconferences, questions and answers […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE Bank Of America’s No-Good, Very Bad Enablers By Halah Touryalai | Forbes – Mon, Aug 22, 2011 What’s the worse than Bank of America acting as if it deserves immunity from all its bad foreclosure behavior? A presidential administration that agrees. President Obama’s administration is […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE TRANSFER TO POOL AFTER FORECLOSURE INITIATED: VOID “ The fact that Deutsche had possession of the mortgage, however, is irrelevant to its status as mortgagee. While a promissory note endorsed in blank may be enforced by the party in possession of the note, […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE TENNESSEE FEDERAL COURT DENIES BANK OF AMERICA’S MOTION TO DISMISS DECLARATORY JUDGMENT ACTION CHALLENGING ALLEGED OWNERSHIP OF LOAN Today, August 23, 2011, 6 hours ago | Jeff Barnes August 23, 2011 A Tennessee Federal court has issued an Order and Memorandum denying a […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE see VIDEO $1.2 Trillion in EXTRA BAILOUT MONEY FROM FED SECRETLY GIVEN TO DOMESTIC AND FOREIGN BANKS Of course the figure is much higher, but the secrecy surrounding the money given by the Fed to the banks is something to enrage any tea […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE SEE 42-in_RE_Cruz_vs_Aurora AURORA LOAN SERVICES LLC, SCME MORTGAGE BANKERS INC, ING BANK FSB, MORTGAGE ELECTRONIC REGISTRATION SYSTEMS ALL BITE THE DUST, SUBJECT TO LIABILITY AND NO ABILITY TO FORECLOSE WITHOUT COMPLYING WITH LAW. Salient points of Judge Mann’s Decision: TRUTH IN LENDING was […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE ROBO-SIGNING IS NOW CALLED SURROGATE SIGNING AHMSI SUIT CONFIRMS PRACTICE IS WRONG, UNAUTHORIZED AND INVALID EDITOR’S NOTE: I find it interesting that LPS continued to fabricate and forge documents after AHMSI told them to stop. It could only mean that they were really […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE EDITOR’S NOTE: THE ONLY THING MISSING IS THE LARGEST QUESTION OF ALL: WERE THE MORTGAGE LIENS EVER PERFECTED? DO THEY EXIST? I also contest the issue of whether the banks were ever intending to do things right. I know from interviews I conducted […]
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MOST POPULAR ARTICLES GET COMBO TITLE AND SECURITIZATION ANALYSIS – CLICK HERE SETTLEMENT TARGET: LABOR DAY!! “They wanted to be released from everything, including original sin,” said a U.S. official involved in the discussions. From today’s Wall Street Journal…. FORECLOSURE TALKS SNAG ON BANK LIABILITY By RUTH SIMON, VANESSA O’CONNELL and NICK TIMIRAOS Efforts to […]
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Tags: & EMPLOYMENT COUNSELORS - CC 1812.500 et seq. Contract Cancellation Employment Counseling - CC 1812.511(a)(6) Job Listing – CC 1812.516(a)(6) Nurses Registry – CC 1812.526(e)(2) ENDLESS CHAINS, (a)(10), (a)(10) By Telephone (see Telephonic Sellers) Installment Automobiles (see Automobile Sales Finance Act) Consumer Goods and Services (see Unruh Act) Multiple Units or Additional Products - B&P 175, (a)(12) G GAMBLING CONTROL ACT – B&P 19800 et seq. GENDER-BASED PRICE DISCRIMINATION - CC 51.6 GIFTS OR PRIZES Conditional Offers – B&P 17537 Sales Presentation. Notice of – B&P 1753, (a)(12) Toys - B&P 17531.1 UNFAIR Competition - B&P 17200 et seq., (a)(16) Service Contracts (see Service Contracts) Warranty (see Warranties) Warranty Repair Standards (see Warranties) RETAIL INSTALLMENT SALES (see Unruh Sales Act) RETURN POLICY DISPLAY REQUIREMENTS, (a)(5) MOBILEHOME RESIDENCY LAW - CC 798 et seq. MOBILEHOME WARRANTIES - CC 1797 et seq. MONEY EXCHANGE HOUSES - B&P 22515 et seq. MORTGAGE FORECLOSURE CONSULTANTS - CC 2945 et seq. Contract Cance, (a)(7) Worth/Value/Former Price - B&P 17501, (b) Prohibited Conduct - CC 1789.13, (e) Form Contract - 16 CCR 3890 UNLICENSED PROVIDERS OF GOODS OR SERVICES (Treble Damages) - CCP 1029.8 UNPAID WAGES - LC 203, (e) Return - CC 1950.5(f), (g) Service of Notice Upon Tenant- CCP 1162 Service of Summons - CCP 415.10 et seq. Unlawful Detainer - CCP 1161 Unlawful Detainer Assistants (see Unlawful Detainer Assistants) Untenantable Dwelling -, 1, 1.5, 11015.5 Reproductive Health Care – GC 6218 et seq. Security Breach Notice – CC 1798.29, 110295 Representation of Effect - H&S 110403 FORCIBLE ENTRY AND DETAINER - CCP 1159 et seq. FORECLOSURE CONSULTANTS - CC 2945 et seq. Contract Cancellation - CC 2945.2 FOREIGN MADE GOODS MARKED , 11713.1, 1174.25, 1174.3 Habitability - CC 1941, 12 CFR 226 Discrimination Prohibitions – CC 1747.80, 12 CFR 226.12(b) CREDIT REPAIR AGENCIES (Credit Service Organizations) - CC 1789.10 et seq., 12 CFR 226.12(c) Credit CARD Act of 2009 – Public Law 111-24, 12 CFR 226.13 Cancellation - CC 1747.85 Cardholder's Claims and Defenses - CC 1747.90, 12 CFR 226.15, 12 CFR Part 213 CONSUMER LEGAL REMEDIES ACT - CC 1750 et seq. CONSUMER LOANS (see Lenders) CONTEST OPERATIONS - B&P 17539–17539.3 Definitions - B&P 17539.3, 12 CFR Part 213 Lost – CC 2080 et seq. Tenant’s – CC 1965, 12 CFR Part 213 Parking Lots (see Bailments) Lemon Law - CC 1793.22-1793.25 Odometer Provisions - VC 11713(n), 12 USC 3401 et seq Health Information (HIPAA) -45 CFR Parts 160 and 164 Identity Theft – CC 1798.92, 12 USC 3401 et seq. Properly Payable Items - Com. Code 4401 FINE ART Consignment - CC 1738 et seq. Sale of - CC 1740 et seq. FLOATING HOME RESIDENCY LAW - CC 800 et seq. FOOD, 13 CCR 260.00 Consignment Sales - VC 11729 et seq. Licensing and Responsibilities- VC 11700 et seq. Salespeople - VC 11800 et seq. AUTOMOBILE SALES FINANCE ACT Rees-Levering Act) – CC 2981-2984.5 Ac, 15 USC 1639(c) Homestead Filing Services (see Homestead Filing Services) Impound Accounts – CC 2954 et seq. Late Charges - CC 2954.4 Mechanics Lien (see Mechanics Lien) Sale Contract - 2985 et seq W, 15 USC 1667 et seq., 15 USC 1679 et seq. Contract Cancellation - CC 1789.16(a), 15 USC 1692 et seq. (federal Fair Debt Collection Practices Act) DECEPTIVE PRACTICES - B&P 17200 et seq., 15 USC 1692 et seq. FAIR PACKAGING AND LABELING ACT - B&P 12601 et seq. FALSE/DECEPTIVE ADVERTISING/STATEMENTS - B&P 17500 et seq. FAX UNSOLICITED ADVERTISEMENTS – B&P 17538.43, 15 USC 2304 LEASES (see Automobiles, 15 USC 2304 NEWSPAPER Advertisements Run in Good Faith - B&P 17502 Circulation Claims - B&P 17533 NUISANCE - CC 3479 et seq. O OCCUPANCY (Wrongful) - CC 3334 ON-TIME SERVICE CALLS AND DELIVERY, 15 USC 45 Limit on Quantity (Unadvertised) - B&P 17500.5, 15 USC 7701 et seq. (CAN SPAM Act) EMERGENCY RESPONSE UNIT (Cancellation Right) - CC 1689.6(b), 16 CFR 310.3 Live Voice Introduction - CC 1770(a)(22), 16 CFR 310.4 Information Charges (Disclosure) - PUC 2889, 16 CFR 429.1 Rescission - CC 1689 Telephone Sales - B&P 17511.5(e) Duress defined - CC 1569 Elements - CC 1565 Fraud - CC 1571-1574 Liquidated Damages - CC 1671 Menace defined – CC 1570 Mistake, 16 CFR 429.1 Sales Purpose, 16 CFR 444.1(k), 16 CFR Part 238 BILLS (INVOICE), 16 CFR Part 238 Business Address Disclosure - B&P 17538.5 Charitable Solicitations - B&P 17510 et seq. (includes on the internet) Comparisons/Substantiation - B&P 17508 Credit Terms - B&am, 16 CFR Part 260 False/Misleading - B&P 17500, 16 CFR Part 310 Automatic Dialing-Announcing Device (Robocalls) - CC 1770(a)(22), 16 CFR Part 310 TELEPHONE Billing/Collections (900/976 Numbers) - PUC 2884 et seq. (see also Fair Debt Collection Practices Act) Residential Services and Rates (Notices) - PUC 786 Sale of Telephone an, 16 CFR Part 310 Telephone Number Directory – PUC 2891.1 Unsolicited Text Ads – B&P 17538.41 CHAIN LETTERS - PC 327, 16 CFR Part 3110, 16 CFR Part 3110 B BAD CHECK LAW - CC 1719, 16 CFR Part 3110 Contract Cancellation - B&P 17511.5(e), 16 CFR Part 425 USED MERCHANDISE Motor Vehicles - 16 CFR Part 455 Disclosure - B&P 17531, 16 CFR Part 429, 16 CFR Part 433 Contract - CC 1803.2 et seq., 16 CFR Part 435 MAXIMS OF JURISPRUDENCE - CC 3509 et seq. MECHANICS LIEN - CC 3109 et seq. MEDICAL INFORMATION (Confidentiality) - CC 56 et seq. MEMBERSHIP CAMPING CONTRACTS - CC 1812.300 et seq. Cont, 16 CFR Part 700 et seq. MAIL/TELEPHONE/CATALOG SALES - B&P 17538 et seq., 1630.5 BAIT AND SWITCH - B&P 17500 (includes internet), 1630.5 PERSONAL EMERGENCY RESPONSE UNIT - CC 1689.6(b), 1675 et seq. DISABLED PERSONS (see Physically Disabled Persons) DISASTERS Home Restoration/Repair - CC 1689.6(c), 1689.13, 1689.14(a), 1689.7 LAUNDRIES/DRYCLEANERS Lien - CC 3051 Sale - CC 3066 LAWYERS (see Attorneys) LAYAWAY PRACTICES - CC 1749 et seq LEGAL DOCUMENT ASSISTANTS – B&P 6400 et seq. "LEMON LAW" - CC 1793.22 et seq, 1689.7 Statute of Frauds (written contract required) - CC 1624, 1689.7(a)(2) EMPLOYMENT AGENCIES, 1689.7(a)(2) PERSONAL FINANCE LENDERS (see Lenders) PERSONAL PROPERTY Hiring (leasing/renting) - CC 1925 et seq., 1689.7(a)(3), 1710 et seq. FTC TRADE REGULATION GUIDES AND RULES Bait Advertising - 16 CFR Part 238 Cooling Off Period - 16 CFR Part 429 Credit Practices Rule - 16 CFR Part 444 Deceptive Pricing - 16 CFR Part 233 E, 1717.5 Generally – B&P 6000 et seq., 17204, 1747.60, 1748.1 Unauthorized Use - CC 1747.10, 17507, 17509 (includes internet) Ownership/Control (Misrepresentation) - B&P 17505, 17509 (includes on the internet) Telephone and Communications Equipment - B&P 17361 et seq. SCALPING TICKETS - PC 346 SECURITIES - Corp. Code 25000 et seq. SECURITY DEPOSITS (see Landlord/Tenant L, 17511.1 Unlawful – CC 1670.6 Venue - CCP 395(b) TELEVISION Repair - B&P 9800 et seq. Picture Tube Labels - B&P 17531.6 et seq. TICKET SELLERS - B&P 22500 et seq. TIMESHARE CONTRACTS –, 17511.5 "Do Not Call" Lists - 47 USC 227(c)(1)(A), 17533.5 Television Picture Tubes - B&P 17531.6 et seq. Warranties (see Warranties) – CC 1795.5 USURY - Cal. Const., 17535 Penalties for Violating - CCP 1209 et seq., 17535.5 INNKEEPERS' LIABILITY - CC 1859 et seq. INTENT TO MAKE SALES PRESENTATION - B&P 17533.8 INTEREST CHARGES Damages Contract Claims - CC 3287 Not Stated in Contract - CC 3289(b) Personal Inju, 17536 Consumers Legal Remedies Act - CC 1780 et seq. Damages (see Damages) Enhanced Penalties - B&P 17206.1, 17537.1 GIFT CERTIFICATES – CC 1749.45 et seq. GOVERNMENT FILES (see Information Practices Act and Public Record Act) GREY MARKET GOODS - CC 1797.8 et seq. GUARANTEES (see Warranties) GUARANTOR (Wai, 17539.5 Disclosures - B&P 17539.2 Disclosure of Intent to Make a Sales Presentation - B&P 17533.8 Sweepstakes Entries – B&P 17533.15 Unfair Acts - B&P 17539.1 CONSUMER PRIVACY PROTEC, 17550.1, 17550.16 Travel Consumer Restitution Fund - B&P 17550.35 et seq. SEMINAR SALES - CC 1689.20 et seq. SENIOR CITIZENS (Enhanced Penalties for Fraud Against) - CC 1780(b), 17550.17 Refunds - B&P 17550.14 Registration - B&P 17550.20, 17550.2, 17550.24 Trust Account - B&P 17550.15(b), 17550.24(f) Delivery of Tickets - B&P 17550.15(c)(3), 1770(a)(19) Undue Influence - CC 1575 Unlawful - CC 1667 et seq. COSMETICS (see Food, 1785.11.1, 1785.11.6, 1785.19.5 PRIZES As Inducements - B&P 17537.1 Conditional Offer - B&P 17537 Disclosure of Intent to Make a Sales Presentation - B&P 17533.8 (includes internet) Misleading - B&P 17537(a, 1789.17, 1789.19(a) D DAMAGES - CC 3281 et seq. Bad Checks (Treble Damages) - CC 1719 Interest as Damages - CC 3287 et seq. Liquidated Damages - CC 1671 Measure of Damages - CC 3300 et seq. Punitive Damages -, 1792.5, 1798.34 Limits on Disclosure - CC 1798.24 INJUNCTIVE RELIEF Granting - CCP 526 et seq., 1798.82, 1798.84 Social Security Numbers – CC 1798.85 et seq., 1799.101, 1799.102, 1799.1a Remedies – CC 1799.2 BUYING SERVICE (Discount) - CC 1812.100 et seq. C CALIFORNIA FINANCE LENDERS LAW - FC 22000 et seq. Definitions – FC 22000 et seq. Exemptions – FC 22050 et seq. Lice, 18 USC 1028 IMMIGRATION CONSULTANTS - B&P 22440 et seq. Contract Cancellation - B&P 22442(f) Form Contract - 16 CCR 3840 IMPLIED WARRANTY (see Warranty) INDEPENDENT WHOLESALE REPRESENTATIVES -, 18 USC 1028 Information Practices Act – CC 1798 et seq. Insurance Records – IC 791 et seq Library Records – GC 6254, 18 USC 2710 VOCATIONAL SCHOOLS (Private Postsecondary Education Act of 2009) – 94800 et seq. Cancellation, 18 USC 2710 Voter Records – Election Code 2166.7, 18 USC 2721 Driver’s License Scanning – CC 1798.90.1 Educational Records (Family Educational Rights & Privacy Act of 1974 “FRRPA”) – 20 USC 1232g, 1803.10, 1804.1 Default/Repossession - CC 1812.2 et seq. Deficiency Judgment Prohibited - CC 1812.5 Delinquency Charges - CC 1803.6 Finance Charges - CC 1805.1 et seq., 1810.2 Penalties - CC 1812.6 et seq. Retail Installment Accounts - CC 1810.1 et seq. Sales by Mail/Telephone (Coverage of Act) - CC 1803.8 Security Interests - CC 1804.3 "Supervised Financial Organiza, 1812.215 Definitions - CC 1812.201 Disclosures - CC 1812.204 et seq. Remedies - CC 1812.218 et seq. SELLERS OF TRAVEL - B&P 17550 et seq Advertising - B&P 17550.15(k), 1812.30 et seq. Goods or Services Not Furnished - CC 1748.7 Issuance to Married Women - CC 1747.81 Late Charges - FC 4001 Marketing Information (Use Of) - CC 1748.12 Personal Identification - CC 1747., 1812.304, 1812.304 MILITARY PERSONNEL IN SMALL CLAIMS COURT - CCP 116.540(e) MISREPRESENTATION(see also Advertising) Affiliation or Association - CC 1770(a)(3) Authority of Salesman or Agent - CC 1770(a)(18), 1812.314(c) Contract Requirements – CC 1812.303, 1812.623(a)(5), 1812.625, 1812.626, 1812.635, 1812.638 et seq. Purchase Option - CC 1812.632 Reinstatement - CC 1812.631(b) REPAIR Appliance and Electronic - B&P 9800 et seq. Automobile - B&P 9880 et seq. Consumer Warranties - CC 1790 et, 1812.644 Collection Practices - CC 1812.638 Contract Disclosures and Terms - CC 1812.623 Lost or Damaged Item - CC 1812.627 Maintenance of Item - CC 1812.633 Prohibited Acts - CC 1812.624, 1818, 1822-1828 Parking Lot (Disclaimer of Liability) - CC 1630, 19151; 4 CCR 1300 et seq. Fire Retardant Mattresses – B&P 19161; 4 CCR 1371 Labeling - B&P 19080 et seq.; 4 CCR 1125 et seq. License Required - B&P 19049 Limitations on Guarantees - B&am, 1941.1, 1942.3, 1945 Prepaid Rental Listing Service - B&P 10167 et seq. Repair and Deduct - CC 1942 Residential Hotels - CC 1940.1, 1955 et seq. Duty of Care - CC 1928 Duty to Repair - CC 1929 Leases - 15 USC 1667 et seq., 1980 et seq., 1980 et seq. "Arrieta" Claims (Pre-judgment Claim of Right of Possession) - CCP 415.46, 1985.4 Court Records – PC 964 Credit Card Address Change – CC 1747.06 Credit Card Numbers on Receipts – CC 1747.09 Domestic Violence Victims – CC 1798.79.8 Driver’s License Information – V, 2194, 22433 SMALL CLAIMS ACT - CCP 116.110 et seq. Definitions – 116.130 Fees – 116.230 Jurisdiction – 116.220 et seq. SONG–BEVERLY CONSUMER WARRANTY ACT (see also Warranties) – CC 1790 et seq. SO, 22433 Stop Payment - CC 1719(b), 226.23, 227.3 UNRUH CIVIL RIGHTS ACT - CC 51 et seq. UNRUH ACT(Retail Installment Sales) - CC 1801et seq. Add-on Sales - CC 1808.1 et seq. Buyer Unable to Obtain Financing - CC 1803.9 Buyer's Claims and Defen, 24007(b) Rentals - CC 1936 et seq. Subleasing - CC 3343.5, 28050 et seq., 2923.5, 2923.5 2923.6 2924 2932.5 Audit bankruptcy california California cram down Chapter 13 civil code 2923.5 civil code 2924 Countrywide Cram down Cramdown criminal acts eviction FCRA FDCPA Federal Jurisdi, 2923.6, 2924, 2932.5, 2982 "Cooling Off" Period - CC 2982(r) Deficiency Judgment - CC 2983.8 Prohibited Contractual Provisions - CC 2983.7 Rescission - CC 1689, 2982.1 RECLAIMED, 2982.1 REMEDIES Civil Penalties - B&P 17206, 2982.9, 2982.9 Reinstatement/Redemption - CC 2983.2, 2983, 2983.1, 2983.1 Refund of Down payment - CC 2982.5 2982.7, 2983.3 "Supervised Financial Organizations" - CC 2982.5 Venue - CC 2984.4 AUTOMATED CHECKOUT SYSTEMS, 2983.3 Repossession/Disposition - CC 2983.2, 2983.8 DEPOSITS (Real Estate) - CC 1057.3, 2984 Change in Contract Terms, 2986.12, 2986.3, 2986.4 Prohibited Practices – CC 2985.8(i), 2986.6, 2989.2 Spanish Language forms – CC 2991 VIDEO EQUIPMENT REPAIR - B&P 9800 et seq. VIDEO RENTAL RECORDS – CC 1799.3, 2989.4 Recisions – CC 2988.7 Refunds of Down payments – CC 2986.13 Reports to Consumer Credit Reporting Agencies – CC 2987(g) Residual Value – CC 2988, 326 CONSUMER CONTRACT AWARENESS ACT - CC 1799.200 et seq. CONSUMER CREDIT Credit Card Disclosures - CC 1748.10 et seq. Contracts - CC 1799.90 et seq. Cosigners - CC 1799.91, 32709, 32710, 3345, 3345 DANCE STUDIO CONTRACTS - CC 1812.50 et seq. Contract Cancellation - CC 1812.54(b) DATING SERVICE CONTRACTS - CC 1694 et seq. Contract Cancellation - CC 1694.2 Death or Disability of Buyer - CC 16, 3345 Injunction - CCP 525 et seq. B&P 17203 et seq. Restitution - B&P 17206(d) RENT SKIMMING - CC 890 et seq. RENT-TO-OWN - CC 1812.620 et seq. Cash Price - CC 1812.622(e), 3345 Wheelchairs - CC 1793.025 PHONE CORPORATIONS (Notice of Residential Rates and Services) - PUC 786 POLITICAL ITEMS (Sale and Manufacture) - CC 1739 et seq. PREPAID RENTAL LISTING SERVICE - B&P, 34 CFR Part 99 Federal Privacy Act - 5 USC 552a Financial Records - GC 7460 et seq, 39 USC 3001(d) BOAT REPAIRS - Harb. & Nav. Code 410 et seq. BUSINESS Street Address and Legal Name (Disclosure) - B&P 17538.5 Business Records (Privacy of Client Information) - CC 1799 et seq., 444.3 COUPONS - B&P 17700 et seq. CREDIT CARDS\ Address Change – CC 1799.1b(a) Areias Credit Card Full Disclosure Act - CC 1748.10 et seq. Billing Error - CC 1747.50, 444.3 Credit Reporting Agencies Act - CC 1785.1 et seq. Denial - CC 1787.1 et seq. Investigative Consumer Reporting Agencies - CC 1786 et seq. Marital Status - CC 1812.30 et seq. Purchase of Goods and, 4604.2 Conditional Sale Contracts (see also Automobile Sales Finance Act) - CC 2981 et seq. Financing, 47 CFR 64.1200 Registration - B&P 17511.3 et seq. Solicitation - B&P 17500.3, 47 CFR 64.1200(d) Fraud and Abuse Prevention - 15 USC 6101 et seq., 47 USC 227 (“Junk Fax Prevention Act”) FICTITIOUS BUSINESS NAMES - B&P 17900 et seq. FINANCIAL INSTITUTIONS Fees - FC 4000 et seq. Financial Record Privacy - GC 7460 et seq., 47 USC 227(b)(1), 49 CFR 1005 I IDENTIFICATION Paying by Check - CC 1725(c) Paying by Credit Card - CC 1747.08(d) IDENTITY THEFY – CC 1798.92, 49 CFR Part 580 Repair Act - B&P 9880 et seq. Smog Certificate Upon Transfer - VC 5751.5, 49 USC 32701-32705, 6157.2, 6158.1 Electronic Media Compliance – B&P 6158 – 6158.4 Complaints/Discipline – B&P 6158.4, 6158.7, 6159 Fee Agreements - B&P 6146 et seq. Fees - CC 1717, 6255 Request for Disclosure - GC 6253 Right of Access - GC 6253 PUNITIVE DAMAGES (see Damages) PYRAMID SCHEME (see Endless Chain) R RADIO, 6267, 6276.28 Online Privacy – B&P 22575 et seq., 7028.16 License required to bring lawsuit – B&P 7031 Swimming Pool Construction Contracts - B&P 7165 et seq. Unlicensed Activity - B&P 7031, 704.910 et seq. HOMESTEAD FILING SERVICES - B&P 17537.6 HOUSEHOLD GOODS CARRIERS - PUC 5101 et seq., 7158, 7159.10, 7159.14, 7159.5, 7161 Price Gouging - PC 396 DISCLAIMERS (see Exculpatory Clauses, 8023, 8105, 8202, 8204, ABANDONMENT, AND OPEN-AIR MARKETS - B&P 21660 et seq. SWIMMING POOL CONSTRUCTION CONTRACTS - B&P 7165 et seq. T TANNING FACILITIES - B&P 22700 et seq. TELEMARKETING AND CONSUMER FRAUD AND ABUSE PREVENT, and Refunds – EC 94919 et seq. Enrollment Agreements and Disclosures – EC 94902 et seq. Identification Required for Recruiters – EC 94901 Prohibitions – EC 94897 et seq. W WARRANTIES Arbitrati, AND SWEEPSTAKES - PC 319 et seq. M "MADE IN USA" - B&P 17537.7 MAGNUSON–MOSS WARRANTYACT - 15 USC 2301 et seq., ANIMALS – CC 1834.4-1834.7 ADVERTISING (see also Misrepresentation) Bait and Switch - B&P 17500, APPLIANCE REPAIR - B&P 9800 et seq. REAL ESTATE BROKER License and Regulations - B&P 10130 et seq. REAL PROPERTY Conveyance Law - CC 1091 et seq. Default (Purchase Contract) - CC 1675 et seq., Art. XV, Art. XX, Audit, AUTOGRAPHED – CC 1739.7 SPORTS TRADING CARDS - B&P 21670 et seq. SPYWARE, B&P 17203, B&P 17206.1 SERVICE CONTRACTS - CC 1794.4 et seq., B&P 17207, B&P 17363.5, B&P 17500.3 HOMESTEAD EXEMPTION - Cal. Const., B&P 17509 (includes internet) Secondhand Goods - B&P 17531 (includes internet), B&P 17531 (includes on the internet) RECREATIONAL VEHICLE PARK OCCUPANCY LAW - CC 799.20 et seq. REFERRAL DISCOUNT - CC 1770(a)(17), B&P 17538.7, B&P 7028.16, B&P 7163 Security Interest - B&P 7031(c), B&P 9855 et seq. SIMULATED CHECKS - B&P 17539.1(a)(13), bankruptcy, California Rules of Professional Conduct. Unlawful Practice – B&P 6125 et seq. AUTOMOBILES Certification of Nonoperation - VC 4604, CC 1584.5 NEGOTIABLE INSTRUMENTS (see Checks) NEW CAR "LEMON LAW" - CC 1793.22 et seq., CC 1689.2 CHARGE CARD DISCLOSURES - CC 1748.20 et seq. CHARITABLE SOLICITATIONS - B&P 17510 et seq. CHECK CASHERS - CC 1789.30 et seq. Limits on Fees - CC 1789.35 Remedies – CC 1789.35(g) CHECKS, CC 1689.2 EXEMPLARY DAMAGES - CC 3294 et seq. EXCULPATORY CLAUSES - CC 1668 EXPRESS WARRANTY (see Warranty) F FAIR DEBT COLLECTION PRACTICES ACT - CC 1788 et seq., CC 1689.6 Disclosures - B&P 17500.3, CC 1770 Remedies – CC 1750 et seq. DEFECTIVE PRODUCT (see Contracts and Warranty) DEFICIENCY JUDGMENT NOT PERMITTED (Installment Sales) - CC 1812.5, CC 1770 Restraint of Trade - B&P 16600 et seq. Trade Practices - B&P 17000 et seq. UNIVERSAL PRODUCT CODE (UPC) DISCLOSURES - CC 7100 et seq. UNLAWFUL DETAINER ASSISTANTS - B&P 6400 et seq, CC 1770(a)(1) Repair - CC 1770(a)(15) Telephonic Solicitations (see Telephone Sales) Television Picture Tubes (see Television) Toys (see Toys) Used/Defective Goods/Seconds - B&P 17531 (includes in, CC 1770(a)(10) Manufacturer's Rebate - B&P 17701.5 Multiple Articles - B&P 17504, CC 1770(a)(13) APPLIANCES Labeling - B&P 22410 et seq. Repair - B&P 9800 et seq. ART, CC 1770(a)(13) FRANCHISE INVESTMENT LAW - Corp. Code 31000 et seq. FRAUD - CC 1571 et seq., CC 1770(a)(22), CC 1770(a)(6), CC 1770(a)(6) Federal Surplus - B&P 17531.5, CC 1770(a)(6) LANDLORD/TENANT LAW - CC 1940 et seq., CC 1770(a)(6) Selling or Leasing at Advertised Terms - CC 2985.71(b), CC 1770(a)(9), CC 1780(b), CC 1798.88 et seq., CC 1804.3 See Contracts and Unruh Act HOME SOLICITATION CONTRACTS - CC 1689.5 et seq., CC 1916.1 et seq. V VEHICLE LEASING ACT – CC 2985.7-2993 Attorney’s Fees – CC 2988.9 Cooling off Period – CC 2985.8(e) Damages – CC 2988.5 Defenses – 2986.10 Definitions – CC 2985.7 Disc, CC 2079 et seq. REBATE Before Rebate Price - B&P 17701.5 Receipt as Condition of Sale - CC 1770(a)(17), CCP 1029.8 Void/Unenforceable Contract Terms - B&P 7034 CONTRACTS - CC 1549 et seq. Awareness Act, CCP 1159 et seq. Abandoned and Lost Property (Tenant's) - CC 1965, CCP 1174.2 Utilities Meters - CC 1940.9 Non-Interruption - CC 789.3 Service Deposits - PUC 10009.6 Telephone Jacks - CC 1941.4 LANGUAGE TRANSLATION OF CONTRACT - CC 1632, CCP 1985.3, CCP 1985.4 Consumer Records – CC 1798.91 et seq., CCP 674, CCP 704.710 et seq., civil code 2924, Com. Code 2201 Unconscionable - CC 1670.5, Com. Code 2313 et seq. Four-Hour Requirement - CC 1722 Part Not Needed/Part Not Provided - CC 1770(a)(15), Com. Code 2316 Used Vehicles – 16 CFR 455.2 ATTACHMENT LAW - CCP 481 et seq. ATTORNEYS Advertising - B&P 6157 et seq. General Provisions – B&P 6157.4 Immigration and Naturalization Service, Com. Code 4401 Presumption of Payment - Evid. Code 670 Simulated B&P 17539.1(a)(13), Com. Code 4403 Treble Damages (Insufficient Funds) - CC 1719 Unauthorized Signature - Com. Code 4406 Wrongful Dishonor - Com. Code 4402 CIVIL LIABILITY FOR PETTY THEFT - PC 490.5(b)-(c) COMPUTER SPYWA, Com. Code 9526.5, Commercial – CC 1993 et seq. Unclaimed – CC 2081 et seq. PHYSICALLY DISABLED PERSONS Assistive Devices - CC 1793.02 Denial of Services - B&P 125.6 Discrimination - CC 54 et seq. Fraud (Treble, COMPUTER – B&P 22947 et seq. STATUTES OF LIMITATION - CCP 312 et seq. STRUCTURAL PEST CONTROL OPERATORS - B&P 8500 et seq. SWAP MEETS, Consumer Contract - CC 1799.200 et seq. Cancellation Home Solicitation Sales - CC 1689.5 et seq. Cooling Off Period – CC 1689.6, Consumer Leasing Act, Contents of – CC 2985.8, Countrywide, CPUC Max. Rate Tariff 4, Cramdown, Dealer Assisted - CC 2982.5 Leasing (see also Vehicle Leasing Act) - CC 2985.7 et seq., Defective, Disclosure of - B&P 17500.3 DRUGS (see also Food, DRUG AND COSMETIC LAW (Sherman Law) - H&S 109875 et seq. False Advertising - H&S 110390 et seq. Misleading Labeling or Advertising - H&S 110290, Drug and Cosmetic Law) - H&S 109875 et seq. Grey Market Goods - CC 1797.8 et seq. "Made in USA" - B&P 17533.7 Packaging - B&P 12601 et seq. Used, Drug and Cosmetic Law) Claimed Effect on Disorders - H&S 110403 Prescription Records - B&P 4333 DRYCLEANERS/LAUNDRIES Lien - CC 3051 Sale - CC 3066 E ELECTRONIC AND APPLIANCE REPAIR SERVICES -, Drug and Cosmetic Law) CO-SIGNORS (Consumer Credit Contracts) - CC 1799.91, Drugs and Cosmetics (see Food, DUTIES OF – CC 3428 HEALTH STUDIO CONTRACTS - CC 1812.80 et seq. Contract Cancellation - CC 1812.85(b) Death or Disability - CC 1812.89(a) Move/Transferability - CC 1812.89(b)(1) HIRING OF PERSONAL, EC 66018.55, et seq. Innkeeper's Liability (see Innkeeper's Liability) Landlord's Right of Entry - CC 195 Notice to Terminate Tenancy - CC 1946 Notice to Terminate Sole Lodger - CC 1946.5 Periodic Tenancies - CC 1, et seq. INVENTION DEVELOPMENT SERVICES - B&P 22370 et seq. Contract Cancellation - B&P 22373 INVESTIGATIVE CONSUMER REPORTING AGENCIES ACT - CC 1786 et seq. L LABELING GOODS Food, False - CC 1716, Fam. Code 2024.5, FC 4050 et seq., FCRA, FDCPA, FINE (Consignment) - CC 1738 et seq. "AS IS" SALES Defined - CC 1791.3 Implied Warranty – CC 1792.4, FLEA MARKETS, Foreclosure, foreclosure defense, foreclosure offense, foreclosures, Fraud, GC 27300 Supermarket Club Cards – CC 1749.60 Video Rental Records – CC 1799.3, GC 6254.21, GC 6254.24 Workplace Surveillance – LC 435 Disclosure of Personally Identifiable Marketing Information - CC 1748.12, GROCERY - CC 7100 et seq. AUTOMATIC DIALING MACHINES (ROBOCALLS) - CC 1770(a)(22), H&S 50519 Retaliatory Eviction Prohibited - CC 1942.5 Security Deposit - CC 1950.5 Amount - CC 1950.5(c) Bad Faith Retention - CC 1950.5(l) Commercial - CC 1950.7 Purposes and Uses - CC 1950.5(b), HOEPA, JOB LISTING SERVICES, LC 226, Lender Liability, litigation, mers, mortgage meltdown, Mortgage modification, Notice Of - CC 2982(h) Contents of Conditional Sale Contract - CC 2981.9, PC 476a BAILMENTS - CC 1813, PC 476a Defenses to Payment - Com. Code 3305 Postdated - B&P 17538.6, PC 570 et seq. Warranties (see Warranties) Warranty Adjustment Program - CC 1795.90 et seq. AUTOMOBILE DEALERS Advertising - VC 11713, Predatory Lending, PUC 2871 et seq., PUC 2871 et seq. Private Right of Action – 47 USC 227(b)(3) S SALES Bait and Switch - B&P 17500 (includes on the internet), quiet title, R&T 2191.3, RAFFLES, Real Estate Settlement Procedures Act, Real Property) PUBLIC RECORDS ACT - GC 6250 et seq. Agencies’ Duties - GC 6253.4 Exemptions - GC 6254 et seq., RECONDITIONED OR USED GOODS REPRESENTED AS NEW - CC 1770(a)(6), Recoupment, Remedies – CC 1812.306 CELLULAR TELEPHONES Do Not Call List – B&P 17590 et seq., Rent-to-Own) LENDERS Credit Unions - FC 14000 et seq. Finance Lenders - FC 22000 et seq. Industrial Loan Companies - FC 18000 et seq. Installment Sales (see Automobile Sales Finance and Unruh Acts) In, rescission, respa, Sec. 1 Computer Spyware – B&P 22947 et seq. Consumer Information in Government Records - CC 1798 et seq., Seconds - B&P 17531, TELEVISION, tila, Towing and Storage) - CC 3067 et seq. LIMITATIONS PERIODS - CCP 312 et seq. LIMITS ON QUANTITIES SOLD - B&P 17500.5 LOTTERIES, truth in lending, truth in lending 2923.5, Uncategorized, United First, usury, VC 11713.1(e) Two or More Articles in Same Ad - B&P 17507 Value and Former Value - B&P 17501 PRIVACY Automobile Black Boxes – VC 9951 Bank Account Numbers – FC 4100 Business Records – 17, VC 11713.1(m) Benefits of Goods or Services - CC 1770(a)(5) Certification - CC 1770(a)(2) Geographic Origin of Goods or Services - CC 1770(a)(4) In General - CC 1770 Ingredients of Goods or Services -, VC 22658(i)(3) Request Prerequisite for Service - VC 22513 TOYS (Unassembled) - B&P 17531.1 U UNASSEMBLED Furniture - CC 1770(a)(11), Warranties) DISCOUNT BUYING SERVICES - CC 1812.100 et seq. Contract Cancellation - CC 1812.118 DISCRIMINATION(Unlawful) - CC 51 et seq. (Unruh Civil Rights Act) DOMESTIC SERVICES - CC 1812.5095 DOOR, Withdrawal, wrongful eviction, wrongful foreclosure
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