Homeownership · Insurance · Law · Paralegal Studies · power · Uncategorized

Can I Get a Witness? (Real/Real)

A very large limb from a very tall weed fell on and crushed my bedroom. It didn’t crush it to bits, but the limb did hit with enough force to split my bedroom at the seams, crush the center beam and godtotell what’s up with the rafters. The wall is leaning away from the ceiling, which is cracked and broken.

The house was built in 1927 that I know and there never was a foundation, but crawl spaces did exist for I sometimes crawled under the house to go exploring. Lots of spiders’ webs and plants that grew in the dark. Sometimes, they’d grow right through the spaces in the wooden floor. Tongue-in-groove, but they grew around the wood. I’ve always appreciated the heartiness of the earth and the plants that come out of it on my small patch. I have digressed.

The insurance company that I have paid for the past 5 years sent no one to inspect my damages for 18 days. The estimator told me that he thought he should refrain from making an estimate until a structural engineer assessed the damage. He went out and spent a great deal of time in his vehicle writing his conclusions. I thought he ordered the structural engineer. He told me he was, but when I called to speak with my adjuster several days later to ask when the visit was scheduled, his second knew nothing. The engineer did show up shortly after I made the call.

My claim rep communicates poorly, if at all. He seems to have dealt with my case in haste. Or, was he somehow corrupted by MGC/Beal Bank? These monsters contacted the insurance company and told them that they would be paying the insurance. My insurance payments have never been late as they are directly debited from my bank account. Because MGC/Beal Bank is listed as the lienholder, they are allowed to make some changes at will. This change resulted in me receiving a warning letter from the insurance company because the premiums had not been paid for two months. The insurance company also told me, the person responsible for paying the bill for the past five years, that they were responsible for protecting the lienholder’s interest. Where does that leave the consumer, the person directly dealing the with the loss? With your interest unprotected.

This bloody bank can hide behind the law. Everything the bank does is protected behind legalese and legal fees.

The fight to save my home continues.

 

 

 

 

Criminal Organizations · Economic Anger · Paralegal Studies · Probate · Probate Housing Creditors Mortgages Mortgage Fraud · research

Beal Bank (Real/Real)

Counsel for Beal Bank filed a falsified document with the federal bankruptcy court, asserting their right to foreclose on my property based on a secured trust deed … that was fully reconveyed in … 1997.

The purpose of probate is to establish clear title to real property. If an active trust deed existed on the property, it would have been unearthed through the probate process.

Beal Bank ignored the probate results, that awarded title to me, free, clear, and uncontested, and proceeded with their wrongful foreclosure.

Also, Beal Bank, through their falsfied document have accepted responsibility for making me pay for a mortgage that was not mine for 10 years.

Waiting for the BK court to tell me something, but have to wait until April.

I think I am owed some money.

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

Strange Documentation (Real/Real)

Beal Bank

on 19 July 2004, Beal Bank claims to have been the holder of the Deed of Trust on my property. This would mean that they owned this Deed before my mother’s death. Why, then, did I continue to pay Aames Home Loan until two years after her death, then paid RCS for two years, then paid MGC until the tax assessor’s office informed me of my need to file probate in order to gain clear title to the property?

Notification to Creditors

All of mom’s creditor’s were notified of her death and sent original death certfcates no later than February 2006. Aames Home Loan was notified by phone and in writing, yet the claim is that they had no knowledge that my mother was dead until probate was filed in 2012.

Beal Bank = MGC and likely RCS and Aames Home Loan

I wonder if I can demonstrate that since MGC and Beal Bank are the same entity, bank regulators could to tell me why I paid Aames, RCS, and MGC/Beal Bank, and am still paying them, if they have held the Trust Deed since 2004. Does this set of conditions merit any investigation by those who claim to represent consumers and homeowners?

Community · Criminal Organizations · Health and wellness · Paralegal Studies · power · small claims court · Uncategorized

Neighbor Done Lost Her Mind

I have written here before about the gang members who live across the street and harass me every chance they get. Last March, the day before my birthday, I sent a Demand Letter to the owner of the property. I asked for $7500 in compensation for harassment, threats on my life, taunting, attempted humiliation, and exposure to violence. They seem to have forgotten how they have treated me from 2008 to the present day.

When they shut up after the first letter, I let it go, but the other day as I was walking out to my car to go to the 341 hearing, I was loud-talked, chided, and asked why I wanted to sue my NEIGHBORS! I was subjected to this harassment because the loud-talking woman decided to accept gossip for reality. She thought I called the Sheriff on her. Why? Must be guilt, because I hadn’t thought about them since March 2015.

Since she brought it up, I thought to renew my demand for my money. If I don’t receive the $7500 by 20 February, we will be seeing the inside of the Small Claims Court where the landlord will have to explain why she supports a nuisance.

Paralegal Studies

Demand Letter

Before filing a Small Claims case, one is required to write and mail a Demand Letter to the entity you intend to sue in Small Claims court.  This letter briefly details the problem, states the nature of the injury, and provides a breakdown of the charges for which one is demanding payment.

One page is preferred, professional tone. Provide a date for compliance with the demand and let the defendant know the matter will be followed up in court if payment is not received.

If one receives payment, one need not proceed to court. If payment is not received and you are in California, e-file your case. Turnaround time is quick. If accepted, you can file, pay, and be on your way in the matter of a few hours without ever leaving home.

aging · AS · Community · Criminal Organizations · ethnography · Health and wellness · observations · Paralegal Studies · research

E-File Small Claims in CA

You can file a Small Claims case online in California Superior Court. You can file for personal injury to get restitution.

You know who filed this morning? For the first time since 2008, I slept 6 hours last night because I finally got physical proof that the gang members have been blocking my driveway. Finally got a police report. My case file grows . . ..

aging · AS · Class · Community · Criminal Organizations · Economic Anger · ethnography · Health and wellness · Paralegal Studies · research · Sociology

Real/Real

On Thursday, my neighbor of 50 years said to me, “Fuck your mother.” Unfortunately, I wished him the same. However, I think his remark was out of bounds as I only asked him to move his car forward a little bit to make it easier for me to get out of my driveway. We had a screaming fest, heavily laden with expletives, as I mainly parroted back what was shouted at me, as it is not customary for me to be playing the dozens and yelling in the street like a fishmonger’s wife.

So, I’m taking his mother to Small Claims Court to get my $7500. I think I have a great torts case. Got some negligence involved, intentional injury, PTSD, and possible punitive damages. Most important, I have years of supporting documentation. Preliminary research begun. . ..

Criminal Organizations · ethnography · Health and wellness · research · Sociology

Negricidal Behavior

After observing self-destructive behavior in people of different ethnicities, I recognize negricidal behavior is not limited to lower-income Blacks, but is visible in many people of the last couple of generations. It seems more noticeable to me in the former group because of their smaller numbers and high visibility in my immediate arena.

I remain convinced that the at- large culture is  to blame for behavior that causes many people to act as if they have no stake in the world around them, no stake in their communities, none in their families, not even a stake in themselves. Easy come, easy go. Live fast and die; get it over with.  Our culture’s reduction of value from our humanity has created this behavior.  Such death affirming ways of living occur when people are commoditized, marketed incessantly, and made to feel they have no purpose for being other than that of endlessly dispensable consumers.

Take the thugs I observe daily as an example. No one has a job, but they all drive late model Lexus on gigantic rims, equipped with the loudest state of the art sound systems that turn these luxury vehicles in rolling sources of annoyance for anyone unlucky enough to be within earshot. They do not dress to match the luxury of their vehicles, tending to wear extremely baggy pants belted underneath their posteriors with oversized bright, white tees. If the weather is cold, this uniform is accompanied by a black hoodie. Everyone looks the same so as to be indistinguishable and unrecognizable to witnesses.

The sagging pants are worn to show underwear and seem to say, “Kiss my ass.” It is the elevation of prison practical style to street chic. I dubbed these young people niggarati as they seem to be the street intelligentsia of our times. As different ethnic groups have adopted ‘nigga’ as a greeting and term of endearment and signal of relationship, the concept seemed fitting.  It makes my skin crawl to hear them speak to one another this way, but I am a child of the 60s and of a different sensibility.

A young man was killed by police the other day.  Riding in a stolen vehicle with a 14-year-old companion, fleeing police, the young men bailed out of the car and took off on foot. The 19-year-old driver was shot and killed by police after he appeared to place a hand in his pocket.  The officers thought he was going for a weapon and shot him dead. Likely, he was trying to pull up his pants in order to run faster as no weapon was found on the body.

Essentially hobbling oneself as a fashion statement, then engaging in behavior guaranteed to get you noticed and chased by law enforcement, and attempting to run away seems stupid to me.  There has to be a better explanation for engaging in this potentially self-destructive practice than plain stupidity.  I simply don’t know what it is at the moment.