The end of my mortgage story

For those of you who are not familiar with the story of my mortgage, here is the tl;dr version:

I had a house that lost two thirds of its value in the real estate crash. With no other way to stop the bleeding, I declared bankruptcy and was going to turn the house over to the bank. The bank testified to the bankruptcy court that they were the owner of the note and the mortgage, but were lying. They had sold the note and mortgage to Fannie Mae two years earlier.

I sued them for fraud and we settled out of court for almost $10,000. The mortgage holder that wasn’t then sold the note and mortgage again, this time to Nationstar mortgage. They recorded the sale in the county clerk’s office. At this point, there were at least four different entities that had claims to this mortgage: MERS, Nationstar, Fannie Mae, and the originating bank.

Then the originating bank tried to foreclose. The foreclosure was dismissed, and Nationstar claimed to not have any record of owning the mortgage.

The feds stepped in and sued the banks. I got another $4,000 in THAT lawsuit.

The originating bank continued to send me demands for payment, even though prohibited from doing so by the bankruptcy court, and the fact that they no longer own the note and mortgage. So after a few years of this, I got tired of it and sued several more times over the next few years. I wound up getting another $25,000 in damages from those suits.

Then, with only a month left until the statute of limitations was to kick in, the original bank filed papers transferring the mortgage from NationStar and Fannie Mae back to themselves. The only problem was that I had letters from both of them saying that they had no knowledge of these transfers.

The original bank then filed for foreclosure, claiming that they had lost the original note and mortgage, but (trust us, they said) we are entitled to foreclose.

I was all set to fight them in court. I had proof that they were lying, and I was going to keep the house. If I won, the statute of limitations would have passed, and the house would have been mine to keep.

They got a federal judge to rule that the bank’s lying was immaterial, because I had declared bankruptcy. A person who has declared bankruptcy, he wrote, cannot fight lawsuits from creditors, even ones who were only creditors because of their own fraudulent activity and statements, without undoing the bankruptcy. I was told by the judge’s staff that he wasn’t about to give away free houses. This would have exposed me to my old debts, along with 5 years of interest and penalties. I had to give in, and they got the house.

At least they have finally left me alone, paid me a total of about $50,0000, and I got to live in that house for five years, rent free. Still, they committed fraud and got away with it.

Don’t feel sorry for the banks. They made hundreds of billions of dollars.

Cut off the cash flow, they’ll deport themselves

So word is out that illegal immigrants are going to fight deportation and attempt to clog the court system. I have an idea that I think will get rid of the problem by using existing law, and will force illegals to deport themselves.

Currently, the law is than an employer can be fined $2,000 for the first offense, and up to $10,000 for subsequent offenses, of hiring of each illegal immigrant. That includes companies who hire contractors with illegals in their employ. Fines can be even larger if RICO statutes are used for bigger  companies. So here it is: go after the source. Give an award of 50% of the fine collected for any person who provides information that an employer is hiring illegal immigrants.

If a business has hired 4 illegals, and the person who turns them in will get between $4,000 and $20,000 in reward money, legally hired employees will be lining up to turn in their bosses for a shot at the cash. Employers will know this and will stop hiring illegals. With jobs much harder to come by, many illegals will self deport.

I have seen first hand how Disney is saving millions by hiring contractors to perform services at their hotels and movie theaters. The contractors hire illegals, and are thus able to make money by paying them low (in many cases less than minimum) wages.

Orlando to become a sanctuary city?

Orange county, Florida is coming under pressure from illegal immigrants to declare themselves to be a so-called sanctuary city. If cities and localities are free to defy any Federal laws and rules that they don’t agree with, and it is unconstitutional for the Feds to with hold funds from those local governments, then I think it is time that more localities ignore gun laws, gay marriage laws, tax laws, and many other laws. If it works for immigration, it should work for other laws…

I don’t even know how to respond

An acquaintance posted this on Facebook:

One snowflake comes on and says:

complaining that you can’t say anything you want to anyone anywhere because others also have freedom of expression is whining. Awww, was there a fire? Goodness me! I hope everyone’s feelings are ok! 

I responded:

Cool. Since rioting and violence are just different forms of expression, I can’t wait until I can go out and express myself by hitting someone in the face, too. Who should I express myself to? Minorities? Homosexuals? Women seeking abortions?
Or is it only expression when the left does it?

Then the guy says something that just didn’t make any sense to me, and I didn’t know how to respond:

All of those things are illegal, but no one can stop you from doing it ahead of time. So you can already express yourself that way, but there will be consequences. The same is true for rioters, they can be caught and charged. Perhaps someone may even shoot a rioter – not entirely impossible considering how people feel about property, etc. The shooter also has a perspective and is expressing themselves, but they will likely be arrested, etc.

I don’t get what he is trying to say. Is he saying that it isn’t an infringement, as long as it isn’t punished until after the fact?

Excessive force

Anyone who reads this blog knows that I defend cops who are doing the right thing, and I call cops who are not doing the right thing out for what they have done. In this post, I want to take a look at body cam footage from Fort Worth. The relevant action begins at about 1:45.

The woman speaks to the cop in a “disrespectful” tone, and cop attempts to arrest her, deploys his Taser, and then does the same to the woman’s daughter. The charges against the two were dropped, and the cop suspended for ten days AFTER someone leaked the body cam footage. The police chief claims that the timing of the footage being leaked, the dropping of charges, and the suspension are all coincidental.

Officer Martin, a 10-year veteran of the force, received a 10-day suspension because of the arrest. Chief Joel Fitzgerald said his violations included neglect of duty, discourtesy and inappropriate contact with two females. The officer has a record of doing this before, where there was a previous complaint against him for excessive force back in 2013.

How does the police chief respond? Not with criminal charges against the officer, which is what SHOULD have happened, but with an investigation into who leaked the video and the officer’s record.

Watching this video made me angry, and made me want to approve of a law allowing people to resist illegal arrests with force.  This man is a criminal, a bully, and I would have applauded a citizen who used force to stop him. A criminal is a criminal, even if they are wearing a badge.

This is why there is such a big movement from groups like BLM. Police need to clean up their own ranks, or they will continue to be painted with a broad brush.

Women’s march

How can Madonna go to the Womens’ march and complain about how Trump talks about women, when she was offering oral sex in exchange for HRC votes? How can you demand that others respect you, when you don’t even respect yourself?

‘If You Vote for Hillary Clinton, I Will Give You a Blowjob’

I don’t have a problem with the US denying entry to foreign nationals who state that they are only coming here to protest our elections. If you don’t like who we elect, too bad. Stay in your own country, mind your own business, and stop trying to get into ours in order to protest what we do.

Going to jail for paper airplane

There is a story out of South Carolina of a teen who threw a paper airplane at a teacher, and was subsequently arrested for assault.

The facts are not in dispute. The teen admits to throwing the airplane and admits that he meant to hit the teacher in the head. The student has been involved in other (unspecified) altercations with the same teacher.

The fact that the student faces up to 30 days in jail has parents in an uproar. They claim that jail is too harsh.

My take:

1 The 17 year old teen is old enough to know better.

2 Touching someone, or throwing something at someone without their consent is battery.

3 The fact that it is only a paper airplane is why he was charged with the lowest class of crime, a third degree misdemeanor. The maximum penalty for this is 30 days in jail, but absent other factors, he is unlikely to get more than probation, especially if this is a first offense.

Teachers are attacked in school at an alarming rate. I myself have been attacked in the classroom. Maybe this will prevent the child from moving on to more serious crimes. No one should have to put up with being physically attacked at work, no matter how minor. I applaud the school and the police for taking action.

Trump derangement

The news and social media is all abuzz with proclamations on how tacky and unrefined President Trump is, all because he chose to replace the red curtains in the Oval Office with gold curtains.

From New York Daily News:

 Trump White House could mean gaudy gold decor and tacky touches

Occupy Democrats:

Trump is known for being so insecure that he MUST bathe his home in gold accents and interior decorating. Now, he’s brought the same tacky insecurity to the Oval Office.

Hollywood Life:

We’re not 100% sure about this, but Donald might be the only president in America’s history to renovate the Oval Office so dramatically.

Overseas, as well. The UK Mirror:

Really? No other President has so dramatically renovated the Oval Office?

Every President has redecorated. Some made big changes, others did not. Take a look:

2015 (Obama):

2010 (Obama):

1990 (GHW Bush)

1998 (Clinton):

1963 (JFK)

1936 (FDR)

 1945 (Truman)

1956 (Eisenhower)

1933 (Coolidge):

1909 (Taft):

Don’t we have more important things to talk about than how the man chooses to decorate his office?

Were you wrong, or just lying?

So it appears as though Liberals are all of a sudden becoming pro gun. Let me enjoy a bit of sweet, sweet schadenfreude as I rehash a few liberal arguments:

1 You claimed for years that no militia can defeat the US military, making the right to keep and bear arms useless. Remember? Were you wrong? Or lying?

2 You claimed that you wanted to change the law, and give gun owners a choice: “You can have all your guns and no changes to law, or your narrative about how you’re The Good Guys. You may not, under any circumstances, have both. ”  Have you changed your mind? Or were you lying?

3 You claim that owning a gun has been linked to higher risks of homicide, suicide, and accidental death by gun. We have all heard you claim that a person who owns a gun is 7 times more likely to die by being shot than a person who doesn’t. Were you wrong, or lying?

4 For years, you have claimed that gun ownership is a sign of a man with small genitalia. Did your dick fall off? Did you finally see a naked man and realize that you don’t measure up? Or were you lying?

Were you wrong, or just lying? Were you lying in an attempt to disarm us because we couldn’t then resist your policies? Now that your candidate has failed, you have either decided that you were wrong, or finally admitted that you were lying. Which is it?