Ask for all the paper work from your bank to prove that you have a mortgage with them . If they dont have it, squat in your own home until you can afford to pay a affordable mortgage payment.
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Link to Lawline CLE Seminar: www.lawline.com Course Description: Bank loans in the past seven years were frequently “securitized” and sold in large packages to various trusts and servicing companies (ie MERS etc.) without having documents transferred properly — especially a properly executed and authenticated Note as required by the UCC and various concurrent New Jersey state laws. As a result, thousands of loans are being pursued and attempted to be foreclosed upon without proper documentation, and therefore without the requisite standing and subject matter jurisdiction. However, the Courts often miss these requirements because so many causes of action are reduced to final judgment of foreclosure through default judgment, and judges can’t scrutinize the default documents properly because they can’t realistically be aware of these improper shortcuts. Join experienced Real Estate practitioner Gary Grant in Part Two of this CLE series that discusses the emerging New Jersey case law that reveals the defense strategies that can be effectively used to defend mortgage foreclosures.
