I began this BLOG on May 26,2012. My intention was, and always has been, for Justice! 31 days ago
The meaning of Justice, in my mind, is a CONCEPT of moral rightness based on ethics,rationality,law,natural law,or equity.
The Meaning of Law, in my mind, is in general, a rule of being or conduct, established by an authority able to enforce its will; a controlling regulation; how we as a society behave, according to what we ALL AGREE is Just.
Each term can be seen differently, each word has many meanings,but these are MY BELIEFS and how I conduct myself in this world.
This BLOG was titled RULE120 because I believe that is the LAST RESORT a homeowner has in COLORADO ( RULE120 Hearing). It’s the ONLY place I am aware that a Homeowner can stand up for their “rights” against a lender. There is NO PLACE else a Homeowner has, to share with a JUDGE, UNCLEAN hands of their Lender. Unless they file a law suit, and let’s be honest, a homeowner UNDER distress does not have the resources, normally, to address their LENDER in a lawsuit.
I will be the first to admit this is a MESS. I could blame a ton of folks but that is NOT my intent. Most middle class folks have a home that is their BIGGEST investment. Think about that for a moment. A Home is where memories are made,money is spent,children are raised,neighborhoods are built, kids should be SAFE,etc. I believe that JUSTICE must and should be with a HOMEOWNER, not a lawyer,not a collection agency,not the government, and certainly not a LENDER.
I am not perfect, and my some of my co workers will say NEVER innocent. I have tried to PROTECT the rights of people blogging,writing articles,etc by telling their stories,using their names, giving credit to the ARTIST’s who’s cartoons I believe reflect the here and now! I am trying to “paint” a picture using PUBLIC RECORDS and hoping not to step on any COUNTY toes with Copyright laws.
I do however want to “STOMP” on injustice,fraud, wrong doing, law breakers,ethic violators,etc. It’s a fine line…..a balancing act… but that is my INTENT with this BLOG.
I am in the FIRST and ONLY house I have ever purchased through a LENDER. I was a FIRST time home buyer, qualified through a LOW INCOME program, and BELIEVED that the Government would protect me with a FHA LOAN. I was not a REALTOR yet, Real Estate was not my chosen field in College, neither was LAW.
I have a bachelor’s degree from ISU and a Master’s Degree from UNC. I put myself through College since I lost my Adopted parents by the age of 12. I volunteered through search and rescue in Summit County, and have always found a way to give back to my community, never in the “conventional” sense.
I believe that the MIDDLE class, has STRONG values, but a weak voice. I am SHOUTING, at the top of my LUNGS, for someone, ANYONE, to LISTEN….Step up….be a MAN HERE…. and protect the Homeowners who can not. LET a RULE120, operate as it SHOULD, a place where a HOMEOWNER can show the court UNCLEAN HANDS in Colorado.
Collection Lawyers, who know or should know, they are representing a LENDER who has NO LEGAL right to take their equity home MUST have to FOLLOW that LAW.
A LENDER who doesn’t control the NOTE or DEED of trust doesn’t have legal standing to INITIATE a foreclosure. PERIOD, end of story.
Colorado Law tries to address this issue by requiring those INITIATING a foreclosure to CERTIFY they are the “qualified holder” of the note and deed of trust. There is a CHALLENGE here in that the certificates also contain a clause that the qualified holder will indemnify other parties if they are mistaken and the real owner shows up wanting the property. NOT GOOD ENOUGH!
I have proven, in a court of LAW, that my lender, and their Lawyers do NOT have legal standing to foreclose. But where does that leave me? NO WHERE.
In what WORLD is that OK? I have tried VERY HARD to work the SYSTEM, showing that a homeowner has NO RIGHTS, even if they PROVE in a COURT of LAW their Lender and Collection Lawyers have no legal standing to foreclose.
I have FILED COMPLAINTS, everywhere,OCC,SEC, HUD red ticket,DCHP counseling,The ATTORNEY GENERAL’s office, STOP FRAUD, state banks,etc. Trust me, if there was a PLACE that I found where I could file a COMPLAINT I did.
Dear Attorney Regulation Counsel click on link
I even filed a FORMAL complaint with the Attorney Regulation Counsel here in Denver on June 21,2012. I wanted these Lawyers, MEDVED and LCS financial to know that their behavior is UNETHICAL. It was a complaint that I did not take lightly, but an indemnification clause at a RULE120 hearing is NOT OK. You don’t get to VIOLATE my rights, even if the LAWs you have written to protect yourselves are in place in a rule120 hearing. I want to be heard in your LICENSING BOARD, that what you are doing is UNETHICAL according to the OATH you took after a grueling bar exam.
Just a side NOTE, I became a REALTOR, after realizing what was done in a program designed for LOW INCOME folks, like me. I wanted to be a VOICE, to be heard, to protect the AMERICAN DREAM. This BLOG in my attempt to do just that!
I am mindful of copyright’s and am doing my best to ensure those rights, of folks are protected in my blog, but that THEIR VOICES are being heard as well. My computer doesn’t have the ability to directly link back to their articles,published blogs,etc. So I have mentioned their NAMES, and noted to “google” where you can find them, when I can. Thank you mostly to the BRAVE Author’s who have taken the time to write, share what they have found, to the Lawyers who are protecting my neighbor’s homes,etc. The Artist’s who’s cartoons I have shared! THANK YOU!