hi this is Danny Hammond with the Foreclosure solutions group and some of you may be wondering what it is I'm thinking right now what I'm thinking is I'm going to turn those lights around and shine them in your eyes that's what I'm thinking but that's not Brotherly Love okay today I have this is actually comes from a post that I wrote um it's about the Crux of the matter we've all heard of the Crux of the matter um but what is the Crux of the matter um the noun Crux is often followed by the phrases of the matter that's true I just did that or of the problem which I hadn't done but it would have been next when people are trying to Def identify the Crux of something it's like they want to get to the heart of it that's you guys you're wanting to get the heart of it I already did and it was hard take advantage of the fact that it took me 14 years to get to hear and you can catch up in a few weeks and I won't feel bad guy will I won't resent it yeah I will they want to peel back the layers and and find out what something is really all about or what is causing the problem the okay so a definition would be the decisive or most important matter and point at issue the Crux of the matter is the that attitudes have changed um similar terms nub heart Essence most important Point Central Point main point cenal part core Center nucleus kernel the bottom line a particular point of difficulty so why is it I'm thinking of the Crux of the matter it's because I get your calls and you are actually pursuing the correct um answers however you can't get to them because you're looking for laws statutes case law that's going to cover the one subject your judge isn't listening to what you say and he's not even replying to what you've written so the Crux of the matter the thing itself there is no other thing because the Crux of the matter is that you were forclosed on with the assignment of your mortgage or deed of trust you can't assign a mortgage or D of trust now yes I know it's been done 30 million times times but that's wrongfully those are wrongful foreclosures um what got me to this is that I had a really strange evening just before I wrote this and um I woke in my up in my recliner at 600 p.m. only I thought it was 6:00 a.m. and I don't know what time I must have thought I went to sleep probably 3: in the afternoon I got up I had some breakfast I found out why what my Ukrainian friends had accomplished and began to read the emails then I noticed it was 7:00 p.m. and not morning now I didn't know if it was the day before or the day after then I realized that I was asking myself that question but I didn't know what I meant by after it was about to get weirder the very first email I open generated the following response from me it had to do with an affidavit by a not so much expert witness it seems the fake foreclosing party had lost the mortgage that's D of trust or um you know mortgage mortgage or D of trust and that depends on where you live but really they're both the security instrument which is the term we should all use all the time and I do I have trouble when I have to switch to talk to you um the expert witness was asking for a new mortgage each so that could be assigned and right here I want to say WTF question mark because the real mortgage had been lost okay here's what he said or what he was he was asking the expert witness was asking for a new mortgage so it could be assigned because the real mortgage had been lost the mortgage is lost you know round up the posi let's go get it if you read everything I've ever said here and retained every bit of it all of it then you know you can't lose a mortgage and that the assignment of your security instrument mortgage de of trust security deed Etc simply cannot be done that it is not even that kind of a document the mortgage is recorded at the record's office in the county it is noticed to the world that there's probably a note somewhere or there has been in the past P so if you were going to buy a house and somebody's going to sell it to you but it wasn't a real estate person and you're not at a title company you go down to the recorder's office and see if a loan had been recorded and you would find the security instrument recorded and it will say you know there was a a loan on this date and if it doesn't say right after that recorded that and this has all been paid off so don't worry about it then you should worry about it so that's what that's you can't lose a mortgage because it's recorded at the county you can go get another one that's just as good as that one for $15 that might be a lie it could be $25 okay so no one can transfer the ownership of the remainder of your debt by signing the agreement of what the collateral loan is so the note is about your debt your debt is the thing your debt is you were loaned money but no one can prove you were loaned it because you immediately put it into your house so the money is gone there has to be evidence of what the deal was so the promisory note is the explanation it's the contract it is the contract between the lender and the borrower so the contract says that that you got this much money and you owe that money back per the terms of the note the the security instrument doesn't say that it says that the lender and the borrow decided that this address with this legal description is what we're going to use as a security and that means they don't have to come after you with some judgment trying to find something that you've agreed that you're going to use the house um um I can't explain why that affidavit was used that I just read um the promary note can be sold and endorsed like a check but that hasn't happened in this case or they wouldn't be making stuff like this up to take a house with alternative documents not meant for this purpose so in other words they are trying to take your house using documents that were meant for something else and so what what we're doing is we're fighting nothing the chances of them showing up with a note after saying this in court is zero you know they're not going to I what I liked about this is that it's even stupider than anything else I've ever seen and I guess I love to uncover the stupid we know from attempt to conjure things up a foreclosure to conjure up a foreclosure using magic that they have never paid consideration to purchase the balance of the debt so whoever this is in this court case where they use the affidavit um is admitting they don't have a note and so they need the mortgage so they can pretend it's a note and because you do you know you work on Lamborghini engines which would be an incredibly hard job and their lawyers which would be a really easy job and they don't know the difference or they think that you won't know the difference and honestly you shouldn't this is the thing that aggravates me the most you shouldn't have to know the difference you should be able and by law you're it's a right that you can should be able to trust anyone with a license to not cheat you on purpose now out of stupidity I don't know the answer to that but just they can't cheat you on you know they can't take advantage of you you came to them because they have a license in in your predicament you don't know who loaned you the money now I already know that if you think you know who loaned you the money then you should come here and sit here and put these lights in yours eyes the foreclosing party doesn't know who loans you the money you don't know who loan you the money the judge appears to not know anything about anything the judge is the culprit then but that I will explain in a different fairy tale did you ever tell anyone you know who loaned you the money first of all I'm telling you you don't know don't say it that's the one thing you can't say um the burden is not for you um to figure out how to tell the judge in some way he'll understand understand CU you think he's dense that this is a fraudulent act and he's not paying attention so you start looking for your note so you get a forensic audit and you turn it into the court and the audit says that well according to everything they wrote down way back then the SEC says that your note went this way and then this way and then it's gone you knew that but if you pay to find your note what you've kind of done is you have admitted that you think there was a note that's not your burden your burden is to say that I am not into fault with any of these guys here in this case and that's it then you stop you know and they try to torture you you've got to fight back but don't talk and the reason for that is that the burden isn't on you because you weren't doing anything you were sitting there with a house in a deed the deed is really important in this story the notes very important the deed is everything so you have a deed and these guys come and say you have a deed but you owe us money and we have the right to collect some money that you owe you know there is no such thing and I say it over and over and I'm going to say it now there's no such thing as the right to foreclose foreclosure is an act to collect money and you can only use it if you didn't pay someone who you owed money to and it and you had made an arrangement for that money you don't know here because they ruined the deal here are some guys that are looking for the thing that's recorded down at at the recorder's office and okay so if anyone tries to make you think that you have to say more than I just say then you should say I can't say more than I know okay that indicates that you don't know anything more so why should you tell them I mean okay so your morgage are about to be used it when when this Avid David came out the mortgage was about to be used to transfer the debt to a stranger to your contract that's a real legal word or phrase and you can use it for some reason I have always said stranger to the deal but I don't think that's any different so stranger to the contract means that they aren't on the Note they can't prove they're on the Note because they don't have the note if they have a note then it's a fake note and I have only seen fake notes in the 14 years and the hundreds of people that I talked to um you know I've been hired to testify in court because I'm a real estate broker and I've I've been a mortgage broker and so I know about mortgage documents and that's all this is about so when you go prosay you'll lose the if you're truly going pray and you're going to do it all by yourself but if you have somebody that can put things together for you can tell you about the documents then me doing that I've done nothing wrong that's that's what I'm that's my career and so I'm not saying you should do it to me what I'm saying is that um they don't let anybody shove you around okay so you can't lose a mortgage we know that a mortgage can be you can't be used for close and I know the attorneys are saying they're for closing under the mortgage under the mortgage means whatever the person saying it means but but here what what we're saying is that um uh the mortgage does describe the collateral and if they have the note then they can use the collateral to pay them if in fact you owe them money that you haven't paid yet if it didn't doe yet then it's paid until it's due and then you owe that one I wonder if that was confusing but so anyway if you they have the note with all the necessary endorsements um the required endorsements if it's a good note and they can prove it with concrete and particularized evidence remember we talk about that all the time um so they say they're fore closing under it but they first have to prove they own the debt if they don't own the debt they can't even address the mortgage or deed of trust or security deed or whatever the security instrument um so the debt is the thing at which it's represented by the promisory note there was no mention in this Affidavit of the promisory note being transferred first none of this describes a legal sell of anything at all especially your debt and I think we should now talk about cart R longan and this is old and it's never been challenged in a negative way it's been used in a positive way many many times and it even uses case law from before 1872 which is even older which of course it would be okay um this is a controlling law and it's like it's called um right now you'll hear them always say it's settled law no one's ever the Supreme Court of the United States has never gone back to look at it because this is logic okay so where did this person get the notice that this is what they were looking for well it doesn't really matter because it's been in 30 million it's been done this way 30 million times that American families were thrown out of their houses to stuff piled up by the curb um and as I like to say that if there's 20 million of them loans instead of 30 million and there's three people in every house at 60 million refuges thr from their house and they don't know where they can go their credit's been ruined but they do have the right to sue to get their house back that's Missouri it's also most of the other non po states and assignment of a security instrument is a nullity the assignment of that mortgage is a nullity it simply can't be done it makes no sense even if you paid for a bar mortgage you bought nothing of value you got scammed the promisory not can be promisory not can be the promisory note can be endorsed if money was paid for it that would transfer the ownership of your debt the remaining balance that you owe after the pay you've made so I don't say Deb anymore I say the remaining balance and I say that because after every foreclosure the Foreclosure person whether it's a sheriff in your state or whether it's a trustee and an nonjudicial forclosure state or or whoever it is when they make do the sale they get some money okay now if you put $200,000 down on a $400,000 house and you've also been paying on it for 5 years you you've got Equity they can't make a pro a profit that's the Crux of the matter well the Crux of the matter is they didn't use they're looking for a way to foreclose on you and they're trying to find a lost mortgage which is recorded and you can buy another one for $15 to $25 the note is essential it represents the debt the mortgage or de to trust is incidental it is merely the description of whatever is agreed on between the borrower and the lender as a collateral for security the loan and it claimed that the assignment of the security instrument is not only an attempt to circumvent of law to convince you and some court that the Sig signing of your mortgage transferred the ownership of your debt and a very brave idiot who signed the affidavit stated saying that a mortgage is missing which changes nothing is lying is's obviously a newbie record here because this is a lie that he typed up and signed and it is a fraudulent act in court it's perjury the promising note can be endorsed if money was paid for it that would be transfer that would transfer the ownership of your debt the remaining balance that you owe after the payments that you have made is the remaining debt the mortgage goes with the note it must follow the note it actually is a part of the note is always every single time magically sent with the note legally because it is part of the deal but is not a standalone instrument that can be bought or sold the note represents the debt the mortgage or deed of trust in 26 States is just the description of the collateral you know you I can say it 50 different ways it's always going to be the same is that you don't know where your Note is you haven't seen it they can't produce it they might produce a copy but I they're not doing that now I mean that's all it was for a long time is that um you know that they said I've heard this our attorneys have it in a safe that's in the Floor of their Law Office that's where they put your Note is in a safe in in the floor um I never saw that but that's where I heard it was going to be we never got around to going looking at it um any claim that the assignment of the security instrument is not only an attempt to circumvent of the law to convince you in some of of in to you and some court that the sign your mortgage transfer of your debt um it will always the law doesn't change I mean there's no way to explain your way around that that's why this letter bothered me so much that this person got because it doesn't matter it bothered me because it doesn't matter and that's what this that's this whole thing is that crazy you know it bothers me because it doesn't matter you can't lose mortgage we hear the phrase often today not so much for 2004 obstruction of justice is what this is and you've heard of that it's a pretty big crime and someone is lined at the court about where it was lost whoever owned it when it lost which is foolish because he's lying and hiding something that is perjury why do I say you can't lose a mortgage on when you didn't challenge it you probably didn't know that a security instrument in your case a mortgage is recorded at your County Records Office and me to be notied to the world that you signed a loan on that date now here's the first thing I tell everybody that wants me to do something for them I need for you this is what I say I need for you to go to the recorder's office because there's something that's been recorded since you last looked at it and they almost always say well how could that be you know what could have happened somebody assigned your mortgage to US Bank is the number one recipient of that far more than anybody else that's what I've seen um so the first thing we have to do is challenge this because they've said it we object we have to object but you don't object like I think when I first got into this it's because I'd been foreclosed and and so I was chasing you know I knew I I mean I am a real estate broker I'm a mortgage broker and I know a lot about the documents but what I didn't know a lot about was crime and this was about crime it wasn't about documents and uh so it takes a long time to sort it all out you know to this moment I can't tell you why it's in every state every County in the whole country how would that it has to be a whole bunch of Judges doing the wrong thing or the law schools are sending only idiots out it the number is just too big and and I'm I can't answer I don't know how to answer it anyway so in court if you fall for this lie the bad guys will continue to try to wrongly and impossibly forclosed on your home and sell it illegally using a lost the Lost mortgage now I don't want that please don't let me confuse you there the Lost mortgage isn't lost this is someone that really is being an expert witness by signing an affidavit having it notorized and swearing they telling the truth and that he has actual knowledge and there isn't a lost Mortgage in this case or in any case in fact sometimes there is no mortgage I don't have to take collateral if I'm loaning money to somebody that I know and like and that if they lose the money in a business venture or or something you know an illness I'm not going to take their house so I don't need um collateral I don't need collateral against my friend because I'm just going to not have the money cuz I'm not going to hurt my friend so um and it doesn't have to be that your house you know you borrowed the money for your house but it doesn't have to be the house itself it could be a thousand twin bicycles in a warehouse it could be a thousand cattle out you know on the Range um it could be anything that the borrower and the uh borrower and the lender agree is the collateral and if they don't have it then if they don't have if they don't have an agreement and they don't care if there's no collateral then we never have to talk about it but we always have to talk about the note you know the note is essential as it said here um losing a promisory note which is essential to the to the contract is a problem but even that's not unsolvable if you lose a promisory note that you legally own what you have to do is go to court and you have to prove the same as proven that they have it before they can for close on you if they say they've lost it that doesn't mean they can go ahead head and foreclose they can get a replacement for it but only if they can prove with concrete and particularized evidence again that they were the owners of the note at the time it was lost or they were the holder of the note and they were the owners of the debt at the time that the note was lost proving that the party has come after you to close has never tried to oh proing proving that part that's coming to you to foreclose has never tried to prove to the court that they had paid for the balance of your debt and because they bought it fair and square you haven't paid and they have the right to collect money and owe them and owe to them from you I've never seen them ask you know to Pro try to prove that either uh fact is they never say anything except the the backwards you know um failure state of claim for which relief have been granted and many of you been working on your case very long and you've been in court for then you probably had them write that and send it to you but that's backwards you're the one supposed to say that to them you know you're the one that's supposed to say that you have made a claim for which relief cannot be given uh they're the ones again I'm going to go back to the very beginning is that you weren't doing anything you have no burden to prove that they are for closing on you in a fraudulent manner because you weren't doing anything and they came and tried to take your house so there are the attack attacker they've gone to court now they have to prove that they even can foreclose on you that you even owe money and if you help them by pointing out all the fraud you think you've seen um what you really want to do is you want to get the judge to understand that they don't reach the Constitutional irreducible minimum requirement with standing and you know before glass steagle was repal repealed in 1999 and you had a good loan and you have the note and everything's fair and square they'll win even under that heavy burden ofof but I've not seen it I think we have a lot more fraud than we have good loans and there just you just have to look at it as you want to make the judge as uncomfortable as you so you have to accuse him of something or you have to tell him that he has or is going to commit the crime of deprivation of civil rights so I went through that round round round and I'm coming down to civil rights because this is what it is civil rights the Constitution and land property are the very basis of the American way you know very basis of American law this is I'm not making up something that uh might kind of be sort of said this is this is called root law this is the base the bottom of American law um this bizarre assignment of the mortgage of the D trust that's a scam it's the heart of the entire foreclosure fraud crisis over 30 million families out on the street creating the largest Refugee crisis in the history of the world um but you can make it worse like the rest of had to represent ourselves Pro say You must object in writing and file your objecting to your court to any lie that you hear because you think I did that you were going to end up in a trial somewhere that never almost never happens somebody you know gives or the judge just decides you know I got to get this over with this is getting kind of dangerous it's getting awfully close to me you know and I can't I can't prove that's right but I certainly don't see how this is done without being facilitated by someone in control of the entire court and the case now you tell me who that is I don't think I want to say it because somebody's going to get a hold of this send it to the doj that's run by that crazy person well we won't talk about that now um the reason that you hear the word uncontroverted is is if their attorneys write a motion and they tell a great big lie about you if you don't object then later on they're going to say that what they said was the truth because it's uncontroverted you didn't object means uncontroverted means you didn't object and and this is all part of the Crux of the matter you're they're using the wrong um instrument they're using the um um security instrument trying to foreclose and they're trying to replace it because they're not they're not even using that one they're using the mortgage um so if if the if they do a motion and they're telling a lie and you look at it and you think well you know I'm in I'm here you know you still have to object in writing because it came to you in writing they filed it in you have to file an objection and that's really that's we a lot of us missed that back in 2010 2012 because we had watched Perry Mason and all the way to Boston Legal you know in in those cases their cases only lasted 30 to 90 minutes um and so they had to have a crime have some dilemma about figuring out who did the crime and who's going to represent them and then they talk about the crime and then they type some stuff and then somebody gets gets fired and somebody kisses somebody and then they go into courtroom and they say that's uncontroverted and then somebody says and here's the real killer well that's not how it works most of it's done paperwork motions in motions out um memorandums and supportive motions and um in this case that that we just said is that objections to something that was said that's a lie so if Wells Fargo tells the biggest lie in the world and you don't say anything the judge has no choice he has to take what they said is the truth because you didn't say uhuh judge that was a big lie a big fat lie then the judge says oh it's controversy and in other words it's been answered so these two parties you going have to figure out what they're going to say about it um I think that I've come to the end and it was so sudden that I don't look very professional I well I can see what I have here I had two copies so um oh at the end of this um you know I finally do wake up and it was night time and not daytime and it was the day before and not the day after for those of you been waiting to see how it ended um now one of the things I've always wanted to do is I always wanted to try to put together an association of borrowers and when I had 10 and and 12 cases at a time 10 families and and 12 families I would always try to get them to at least go to coffee together and I thought it'd be kind of a psychologically good thing to do that they could visit and see other people having were in the same shape they were because I've a lot of times well and that's the reason I couldn't do it is that many borrowers feel that they have done something wrong because the Court's against them you know these lawyers are against them they don't know what's even being said and maybe they've missed some payments but missing payments there's so many ways there was to take care of that this past 20 years that and that was the law okay so here's what happen your h m modification is the Congress made up a really good law to help that said we're going to help borrowers stay in their home because we're going to have these lenders and the servicers we're going to have them you know do whatever it takes to make a deal that can keep people in it and they can work their way out it say it's an injury you know that somebody's hurt the idea was that they had to help you not get into theault and they did they did help you because the modification might have been done behind a forbearance and there's no such thing as a mod as modification for forbearance that's for the Hamp program and so what this has all been used for is just to confuse you I've had just very very recently I've got people that thought they were in a modification the third one they were doing because they kept changing the servicer oh well we have to start again I know you almost were done but there's nothing I can do about it and that's a lie I mean they are trying to get you 91 days late so they can collect the mortgage insurance which means your house is paid for and they got the money but your house is paid for the insurance company should come after you in that case and that's a whole different kind of a case um so I've always wanted to do an association and that's how I even started looking at YouTube again and I think it's possible because Google bought YouTube and Google always wants to look how to make money even though they give us all kinds of stuff for free so we like them I like them because they give me a bunch of free stuff but I hate them because I think they're spying on me you know it's a it's a nasty World um so anyway to what I wanted to do is I would like for you to please subscribe like um ring the bell and all that stuff because I'm watching people make money on YouTube and I have had this channel for 12 years and if you look there's like 18 videos down there that I left on it when I looked at it again after 10 years um you know and you know they were all 9 years old 10 years old and what I left on there they're still relevant you know it's still good stuff and it's still current because they haven't changed any of their tactics and so let's just do that while I'm trying to learn how then what you do do you do then how do I do the split screen I need to get probably some people to talk on here I've even had you know Midas a touch has even subscribe to my channel they're looking at it you know um you know I'm making some wavs that I never made before and and I've got now seven wins and the eighth one is going to be a win it's right there um I'm going after my own now and mine is the worst I've ever seen and I don't think it's going to be a bit different trying to do it and actually I'm kind of confident I've been have not been confident in a long time so what we need to do is raise ra money to help the borrowers who have run out of money trying to save the day they're they you know I've got a lot less money than I did before this happened to me and and so I what I want to do is I'd like for everybody to be able to be taken care of you know but it takes staff and things and and I've spent all mine all my money and and I still have things I can do but I'm I keep getting stuck in in in working on deals so I'm going to do mine and I think that should I win mine I can help a lot of people myself and uh but if we could do it this way it's cheap you know subscribe and like subscribe and like it doesn't cost anything but Google's paying for how long how many times you come and look at this Channel and how long you watch it and they're paying for that so if you got a premium membership they're paying you for the premium membership that you're holding there and if you don't have one then the ads that you see you know if you do enough of it all comes with money but I can't tell you I understand it yet because I can't slow down and even read this um I had a nice time talking just now U I don't think I ever do as good as I could because I've started out writing by the way if you do want to write U or if you want to read instead of hear me talk um um it's foreclosure fraud answers. blogspot.com and it's written down here somewhere U you can find it and um um and if you you know also I've got um um a I've got a detail form that you can fill out so I can tell you kind of what you got I don't charge to review your um um case um and what i' really like to do is figure out a way that we can take every case because I think these can be one now and it took me a long time you know I had it figured out but I couldn't figure out how to do part of it and now it it was easy now are we're going to find out that you know that I was lucky or it just a strange streak and I thought that like a couple de ago but I don't feel that now I we'll see but no I it's it's exactly like it should be and they're doing these judges are doing what I want them to do and I'm not not messing with any of the other characters I don't you know I'm not going to go after somebody's the attorneys on the other side because they couldn't have done their stupid lying if someone did not let them it couldn't be done there's a facilitator somewhere and it seems to be who I thought it was and that's that's who we attack so anyway be glad to talk to you um like said I got an email on here we've got a detailed form which goes to the email so if I get the form I can see what you know and what you don't know so that the first conversation isn't so stressful you know if I know what you know and I know don't and I know what you don't know then I can think about how we're going how I want to cover that to make it like a where it lowers your anxiety it doesn't raise it anyway Danny Hammond Kansas City Lake of the Ozarks since 1988 um I'll be back soon and and I'm going to do these more often I'm actually my microphone is broken so I ordered some studio stuff real cheap so we'll see if it works might be just a little you know um I've lost a word thank you bye