Economic Anger · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud

The Madness Will Not End

1. Back to work in the District. Now I know just how unsafe it is to work for LAUSD. Totally unaware they receive threats regularly.

2. MGC/Beal Bank/D0venmuehle plan to sell my home again this Friday.

3. Subjected to questionable business practices by Westfield Law Group  in Encino, CA. Because of a Yelp review I wrote, I was contacted by the business owner, offered a refund, and requested to remove my Yelp review

and not slander or defame the Law Group either verbally or in writing. Hence my editing of my review and this blog post, though I think I have removed the offending word.

Legal folk, check me, if you please.

4. Completely baffled by the lack of genuine help for people battling predatory lenders, by the proliferation of scammers, by my government’s lack of care for hard-pressed citizens.

5. Can anyone out there give me a lead to some real help to stop MGC Mortgage/Beal Bank/Dovenmuehle? It is absolutely astonishing to me that a $25.5K mortgage loan is now $43K and counting. It astonishes me that I paid this note for 10 years and it is more now than the original loan. I do not understand the calculation. I do know that business cannot be conducted with the dead, but MGC does it with impunity.

Anyone, everyone, I’m going down for the third time. This is an SOS!

 

 

aging · Class · Community · Criminal Organizations · Economic Anger · Health and wellness · News and politics · Paralegal Studies · Probate · Probate Housing Creditors Mortgages Mortgage Fraud

Banksters vs Hamilton: The Latest (Real/Real)

Filed complaints with Better Business Bureau, Consumer Affairs, CA State Department of Business Oversight, and the young Consumer Financial Protection Bureau http://consumerfinance.gov. I also wrote to Senator Elizabeth Warren as I know her to be a consumer advocate and quite involved in the formation and operation of the CFPB.

My representative from Consumer Affairs had to negotiate with MGC Mortgage, and it was not a pretty affair, but he gained my side a month’s reprieve, in which time MGC Mortgage is supposed to review the loss mitigation documents I submitted. I expect for them to come back with a denial and some excuse that would prevent me from qualifying for loss mitigation, and I’ll be told to do something else. They denied a loss mit app in November 2014 and told me I was not eligible for a loan assumption, though the word lately has been loan assumption whenever I’ve been able to speak to an MGC representative.

Now, thanks to the helpful input of friends and several agencies, I’m on a mission to find the $42,000 owed these people on a $25,500 loan taken out in 1997! Go figure. Maybe I’ll put my GoFundMe page back up…

Simplest way to amend the Probate Code to avoid any more of this type of backdoor theft of real property from consumers by banksters would be to require ALL creditors to make a claim against the Estate of a deceased mortgageholder, thus also requiring all creditors to inform the consumers who notified them of the mortgageholder’s death of their possible need to file probate. Both secured and unsecured creditors should be held to the same standards when a deceased mortgageholder is involved.

aging · AS · Class · Community · Criminal Organizations · Economic Anger · Health and wellness · Paralegal Studies · Probate Housing Creditors Mortgages Mortgage Fraud · research

MGC MORTGAGE, INC. aka DOVENMUEHLE BANK and PROBATE in CALIFORNA (REAL/REAL)

My mother of blessed memory left 10 years ago. She had a mortgage loan with RBC Mortgage or some such. They had purchased the loan from Aames Home Loan when they went under. My mother’s death was reported to this first alphabet soup company, which was only concerned with who was going to pay the mortgage. My name was not on my mother’s loan. Instead of getting me to continue making payments, I should have been told to file probate. Mortgage holders, in California, have to make a claim on the estate of a deceased mortgagee within a year of the death. The first alphabet soup company sold the mortgage to MGC Mortgage, Inc. without, I think, disclosing the facts of my mother’s death, or MGC Mortgage knowingly committed fraud by having me make payments on an account that was not mine and for which I received no credit for 7 years.

No one is responsible for another’s debts unless you signed, co-signed, or in some other way obligated yourself or made yourself responsible for the bill.

How is it, then, that my mother, whose initial loan was $25,500, now owes MGC Mortgage almost twice that amount 10 years after her death? Why is my mother’s credit being shredded 10 years after her death?

In 2012, an employee of the Los Angeles County Tax Assessor’s office told me to file probate in order to transfer title of the property to my name. There really oughta be a manual…. I thank the Great Spirit daily for motivating her to speak, else I would still be being victimized.

Filing probate costs lots of money, but I got her done. Probate was open for 3 years. MGC Mortgage was duly notified of all that was going on. They were the only creditor listed when probate was initially filed. They needed to make a claim within 4 months of receiving my Letters of Administration, if I have interpreted the Code correctly. No claim was made. Probate closed and I was awarded the property. In the summary, it clearly states that no creditor claims were received by either the Court or the Administrator. Case closed, yes?

No. MGC Mortgage is still trying to get money from my mother’s account. They want me to assume a loan that should not exist. They want me to pay more on top of the 7 years worth of payments made by me, and the decades of payments made by my mother on a $25.5K loan.

MGC Mortgage’s legal department seems unfamiliar with the rules of law, Probate Code, and court orders. They have foreclosed on the property, after 10 years of milking the account, and plan to sell on 15 July 2015. I explained to them that they failed to make a claim on the Estate, the property was awarded to me with no stipulations, and they needed to respect that as the Business Oversight Bureau of the great state of California informed me that I have grounds for making a complaint.

Probate is about paperwork and reading the the Code to find applicable information to help transfer property title from the deceased to a new owner; it is work that can be accomplished by a dedicated paralegal.

In the final hour, I received a notice from the Los Angeles County Recorder to contact Consumer Affairs for help in stopping the foreclosure sale of the property. They, too, thought I had to assume the loan or pay MGC Mortgage, but I explained the situation, directed them to the sections of the Code I used to defend my position, and they decided to look further at the problem to see if they can at least help stop the sale.

Update tomorrow.