The Uniform Commercial Code forbids foreclosure of the mortgage unless the creditor possesses the properly-negotiated original promissory note.
If the creditor canâ€™t produce it or meet “lost note” qualifications, the foreclosure must stop.
The difficulty is that all too often the Golden Rule of Mortgage Foreclosure is simply ignored. The foreclosure goes ahead as if the rule were not statutory law of every jurisdiction in the United States. Why is that?
Sadly the Uniform Commercial Code is unpopular, particularly the law of negotiable instruments (checks and promissory notes). Most lawyers dub this a â€œsnoozerâ€ and skip it, so the only exposure to the topic, if any at all, is in bar prep where coverage is spotty.
Thus many foreclosures occur without it occurring to anyone that the UCC has any bearing on the issue.
Mortgage Foreclosures and the UCCÂ ~ Read more.
The Angel of Divine Love Is Our Collective Conscious
Call on the Angel of Divine Love (our Collective Conscious):
I give foreclosures to our Collective Conscious.
I call on the Angel of Divine Love to enterÂ the Wells Fargo organization.
The Angel of Divine Love now comes alive in every person connected to Wells Fargo.
Divine Love now Reigns Supreme.
And, will you share this page?
Your Nerves v. ForeclosureÂ ~Â Read more.
Stress Can Break YouÂ ~Â Read more.
Suicide and ForeclosureÂ ~Â Read more.
Back Story and Useful Links ~
Wells Fargo is once again trying to foreclose my home. This scares me because Wells Fargo began this foreclosure without serving me. I was lucky to find itÂ when I went to Case Lookup forÂ dates relating to the foreclosure of my condo, which was done without a hearing although I had answered.
Serving a party to a lawsuit is basic due process. It is a Constitutional right from the 5th Amendment toÂ The United States Constitution.Â The 5th Amendment is a part of ourÂ Bill of Rights.
Understanding Due ProcessÂ ~Â Read more.
It is also basic due process to have a hearing if aÂ defendantÂ answers a complaint. If a court decides not to have a hearing the plaintiff rejoices thatÂ the defendant mustÂ accept the unjust loss that results.
Throughout the United States, Wells Fargo and Bank of America use fraud, dishonesty and the denial of the basic constitutional right to due process to makeÂ American families homeless and gain control of their property.
Sometime after I discovered the foreclosure, the HAMPÂ -Â Home Affordable Modification Program – was introduced. I immediately applied. In time Wells Fargo qualified me and sent me an offer forÂ a trial period. I accepted and sent in my payments on time and in full. This was supposed to ensure my loan modification becoming permanent. But, Wells Fargo went back on its word and began trying harder than ever to foreclose.
Loan Modification ProblemsÂ ~Â Read more.
Hamp LettersÂ ~Â Read more.
Wells Fargo’s fraud, deceit and dishonesty scare me. It’s distressing to have the bank I trusted be dishonest. Stress is bad for nerves and health, and I already have a lot more pain.
I am still in my home, years after Wells Fargo filed for Foreclosure because I did discovery and requested that Wells Fargo produce the Original Note, as per UCC requirements.
Original Note NeededÂ ~Â Read more.
I will keep fighting the foreclosure of my home because I love my garden. I can’t go places because I can’t walk very well, so my garden is the love of my life. I love the bees, wasps, praying mantis, lizard, ants, flowers, and veggies. I have the veggies in my meals every day, but most abundantlyÂ during the summer.
I am sure that Wells Fargo would change and be good, rather than bad, if there were enough people holding that thought. So, I’m calling on the Angel of Divine Love to spread awareness and bring Divine Love to Wells Fargo.
Please helpÂ raise awareness of foreclosuresÂ to help all Americans who are up against powerfulÂ banks that get away with fraud and dishonesty.
Image Credits ~ Angel Desktop WallpaperÂ ~Â by Thitipon Dicruen ~Â View site.