http://www.intheav.com/Subversion of Rural Innocencenointheav.comintheav.com RSS-generatorhttp://www.intheav.com/blogs/avenues/2010/06/11/forget-loan-modification-here-is-real-help-available-in-cash-paid-by-youAttention: Antelope Valley Residents If you or anyone you know need short term rental assistance, medium term rental assistance, security deposits, utility deposits, utility payments moving cost assistance, and motel or hotel vouchers. Housing relocation and stabilization services include case management, outreach, housing search and placement, legal services, mediation, and credit repair... Help has been waiting for you. For more details copy and paste this link: http://avnewstalk.ning.com/profiles/blogs/forget-loan-modification-here and here: http://www.myavonline.com/blogs/forget-loan-modification-here-is-real-help-available-in-cash-pass-this-on-to-everyone-asap.html * Download your own copy: http://www.cityofpalmdale.org/business/housing/HomelessnessPreventionRapidRe-Housing.pdf and http://www.hudhre.info/documents/HPRP_Notice_3-19-09.pdf Please give this information out to everyone. Email me for dead links ASAP. Fri, 11 Jun 2010 08:32:22 +0000http://www.intheav.com/blogs/avenues/2010/04/10/dr-horton-rico-lawsuitAnyone given a loan they did not understand and ultimately cannot afford by any of the names listed below please read the lawsuit in its entirety. If you have any complaints whatsoever this is the time to voice it out. UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF CALIFORNIA UNLIMITED CIVIL JURISDICTION CLASS ACTION PATRICK A. MISSUD, Plaintiff on behalf of himself and others similarly situated, VS. D. R. HORTON INC.; DHI MORTGAGE COMPANY, LTD. LP; DONALD HORTON; DONALD TOMNITZ; CURTIS COLTRANE; SUSAN ECKHARDT; DUANE WADDILL; RICHARD PERRY; GREG ABBOTT; SAUNDRA B. ARMSTRONG; ROGER BENITEZ; BERRY EDENFIELD; MARTIN REIDINGER; YAHOO INC.; WENDEL ROSEN BLACK & DEAN LLC.; WOOD, SMITH, HENNING & BERMAN LLC.; LUCE, FORWARD, HAMILTON & SCRIPPS LLP; RYAN & DAWSON; STRAND SYSTEMS ENGINEERING; DOES 1-200. Defendants. Case No.: Dept. COMPLAINT FOR VIOLATIONS OF: U.S.C. TITLE 18 SECTION 1962 RACKETEERING, CONSPIRACY TO COMMIT RICO, OFFICIAL CORRUPTION; U.S.C. TITLE 18 SECTION 1513 THREATENING A FEDERAL INFORMANT; FIRST AMENDMENT SPEECH AND ASSEMBLY; FIFTH AMENDMENT DUE PROCESS; SEVENTH AMENDMENT RIGHT TO JURY TRIAL; FOURTEENTH AMENDMENT DUE PROCESS AND EQUAL PROTECTIONS CLAUSES. Date: Time: Dept: Judge: DEMAND FOR JURY TRIAL Details: http://avenue-s.us/drhortonfraud.htmlSat, 10 Apr 2010 10:29:36 +0000http://www.intheav.com/blogs/avenues/2010/03/28/stop-calling-our-politicians-funny-namesOur present crisis was not the result of name calling. It is the result of clowns making decisions and amusing people to do nothing. Now, did I call anyone names? I'd rather have a jury decide the proper name to make it official. Sun, 28 Mar 2010 21:24:45 +0000http://www.intheav.com/blogs/avenues/2010/03/28/winning-strategies-for-campaign-politicians1- Stop campaigning and start helping people stay in their homes. 2- Stop foreclosures till borrowers mortgage loan documents are reviewed for fraud, waste and abuse. 3- Stop evictions pending good faith efforts to address 1 and 2. Lastly, since you wont have to spend a dime in campaigning you can in turn help the City by converting those funds to paychecks for public service staff, sheriff's deputies, and social services providers. If this is done, guess who you helped- Homeowners and co-workers who would be your unsolicited voters loyal to you for the rest of your political life. Make the Antelope Valley a place to call home. Literally.Sun, 28 Mar 2010 20:45:22 +0000http://www.intheav.com/blogs/avenues/2010/03/28/need-news-the-av-press-don-t-publishGo to: http://avnewstalk.ning.com/?xg_source=badgeSun, 28 Mar 2010 20:12:39 +0000http://www.intheav.com/blogs/avenues/2010/03/28/despotism-of-an-oligarchy-the-demise-of-the-right-to-trial-by-jury-in-the-antelope-valleyJudges act as the ultimate arbiters of almost all constitutional questions in the Superior Court of Los Angeles County's North District. A very dangerous doctrine that has eviscerated the lives of countless residents in the High Desert area. We are presently experiencing the serious erosion of this principle. The right of the jury to rule on the justice and constitutionality of the law, as well as the facts in the case, seriously undermined. The jury today is a weak institution, as are all the other institutions designed to guarantee individual liberty. Prosecution in the administrative courts requires great sums of money for self-defense. Juries are not available, and one is considered guilty until proven otherwise. Tragically, economic conditions usually prompt the businessman to pay the fine, regardless of its unfairness, to save legal costs. Fighting the system through political reform is not even a serious consideration. Those who would consider such a struggle are ridiculed as idealistic and unrealistic. A powerful political action committee and a shrewd lobbyist are today considered the best investments. Since we have lived with massive bureaucracy for over fifty years, most citizens, uneducated in the ways of equal rights, justice, and freedom, are unaware of another system. By writing regulations with the force of law and administrative justice, interpretations, and enforcement of these laws, the judiciary “rulers" have made a mockery of Article 1, Section 1 of the Constitution. If the government can dictate the evidence, and require the jury to decide according to that evidence, it necessarily dictates the conclusion to which they must arrive. In that case the trial is really a trial by the government, not by the jury. The jury cannot try an issue unless they determine what evidence shall be admitted. Judging the moral intent and the constitutionality of the law is no longer even a consideration of the jury. Today the judge instructs the jury to consider only the facts of the case, and then he becomes the soul arbiter of evidence admissible in court. The ancient oath, it will be observed, says nothing about 'according to the evidence'. The right effort could revitalize the jury and restore it to its rightful place in curtailing the endless growth of an all-powerful state. An awakened citizenry, participating in juries around the country, could bring about a nonviolent revolution of magnificent proportions, reversing the sad trends experienced today. - Our experiences and excerpts from Ron Paul's essay: Freedom Under Siege, The US Constitution after 200 years. This post already has been sent to : http://www.whitehouse.gov/contactSun, 28 Mar 2010 19:53:57 +0000http://www.intheav.com/blogs/avenues/2008/12/14/do-not-foreclose-review-your-docsPull out your most recent Loan documents and your Income tax return the year before your Loan was made. Obtain the most important documents: Uniform Residential Loan Application Form (1003) Go over this very important document. Look for discrepancies in your income, assests, employment, etc. and log them all down. Most often we find incomes to be inflated. Whatever is listed on your form- multiply that by 12 and compare with your tax return (1040). Do the numbers match? If they don't, That is called false stated income loan fraud. See Freddie Mac's newsletter here: http://www.freddiemac.com/singlefamily/news/newsletter/2007/07/fraud.html No Income No Asset Loans or other Stated Income Programs: Underwriters excercise a "reasonableness test" view WAMU's subprime underwriting guidelines: https://www.wamumsc.com/sellerguide/reports/pdf/Seller_400.pdf Your capacity to repay the loan is mandatory. What is mortgage fraud: http://www.fbi.gov/filelink.html?file=/pressrel/pressrel07/mortgagefraudwarning.pdf Uniform Underwriting Transmittal Summary (1008) Make note of your qualifying ratios. Namely: DTI or debt to income ratio: http://en.wikipedia.org/wiki/Debt-to-income_ratio and LTV or loan to value ratio: http://en.wikipedia.org/wiki/Loan_to_value make note of what the % are. questions re this pls. call: 661-860-4978 If you have a monthly mortgage payment that takes more than 38-41% of your gross monthly income then you have an obligation that is not suitable and sustainable. It is bad enough to lose a home, worse to go to jail for fraud. So, the question whether you will lose your home or not can only be answered by you. Who lied on the Application?Sun, 14 Dec 2008 17:14:00 +0000http://www.intheav.com/blogs/avenues/2008/12/11/l-a-county-s-foreclosure-top-10-zip-sApril 25, 2008 12:18 PM ET Peter Viles over at L.A. Land has put together a nifty new data tool enabling users to explore foreclosure trends by ZIP code in Southern California. Judging from this preview, I recommend that Californians wait at least 30 minutes after their last meal before using it: The 10 L.A. County ZIPs with the highest number of foreclosures in 1Q 2008, and the percentage increase from 1Q 2007. Source: DataQuick Information Systems. These are for single-family detached homes. 1.Lancaster 93535    345    392% 2.Palmdale 93550    323    487% 3.Lancaster 93536    255    467% 4.Palmdale 93551    198    421% 5.Palmdale 93552     179    442% 6.Lancaster 93534    146    329% 7.Sylmar 91342       142    426% 8.Norwalk 90650      129    361% 9.Pacoima 91331      105    483% 10.Reseda 91335      101    321% ref: http://www.usnews.com/blogs/the-home-front/2008/4/25/which-la-zip-code-is-most-housing-busted.html Borrowers go over your most recent loan documentation and find out if you are a victim of mortgage fraud and or predatory lending. If you are stand up for your rights and save your home. Fight back. Report your case to the FBI, DOJ, FTC, IRS-CI, CA Dept of Real Estate, Corp, Appraisers, OFHEO-HUD. I listed the steps on our website: www.avenue-s.us. FInd the lie, prove the fraud and you shall have saved your dream becoming your worst nightmare. It happened to us don't let it happen to you.Thu, 11 Dec 2008 19:57:47 +0000http://www.intheav.com/blogs/avenues/2008/12/10/loan-modification-failureBloomberg news: Modifications fail in 6 months or less(http://www.bloomberg.com/apps/news?pid=20601087&sid=aVd77NOyy2eA&refer=home) Go over your loan documents for any violations of the FannieMae guidelines, which is not only the vast majority of all mortgages, but is also used as an industry standard. Any violations (FRAUD), means the lender must buy back the loan. The biggest investment most Americans will make is now the target of one of the country's largest financial scams and labeled: "The Perfect Crime." When fully exposed, this will make Enron look like a parking ticket. Bad loans should never be modified, they should be repudiated. One of the most effective tools to cut through the toxic mortgage maze is a mortgage audit or forensic loan document review that can help discover legal violations on your loan, which will help you negotiate your mortgage before you are late. For public safety and awareness please visit our websites: www.avenue-s.us and www.avenue-s.info People with better options, the public would like to hear it.Wed, 10 Dec 2008 15:49:17 +0000http://www.intheav.com/blogs/avenues/2008/12/06/do-not-lose-your-home-fight-backMortgage fraud and predatory lending practices have taken it's victims. Others are in line... http://listings.foreclosure.com/search.html?ci=palmdale and http://listings.foreclosure.com/search.html?ci=Lancaster&st=Ca Loans originated with fraud and predatory lending should never be "modified or refinanced". They should be repudiated. Save your home through a forensic mortgage loan audit. If fraud is found, report it to the FBI,DOJ,IRS-CI,LA County Dist Atty, Ca Dept of Real Estate, Dept of COrp, Dept of Financial Institutions, FTC, OFHEO-HUD and then take them to Court. YOu have rights, Stand up for them. For public safety and awareness please visit our websites: www.avenue-s.us and www.avenue-s.info Sat, 06 Dec 2008 19:04:20 +0000