Welcome to our Help Page.

Michael T. Pines
Our legal Departments are headed by the best legal teams in the United States and around the world.

We count with leading experts in foreclosure defense since about 2009.

Currently, one of the things we are suggesting is that the investors in securitized trusts be included in legal actions. They are usually either large mutual fund bond companies or institutional investors like pension or retirement funds. The theory is simple. The securitization failed, including the REMIC, and the investors were not entitled to get homeowner money or money from anyone else.

We are well aware of the cases that hold that homeowners do not have standing to complain about violations of the Pooling and Service Agreements because they are not parties or intended beneficiaries. Our theory is not contract, but simple equitable claims for state law causes of action.

We have investigators who have contacts with former Wall Street insiders who can get “loan level data” and identify the investors in the trusts, and also schedules of the money paid to investors.

The bond funds or institutional investors will of course have large law firms who if sued, will probably sue the securitization parties saying they want to be reimbursed if they have to pay any money to the homeowners. They will have the problems of explaining the complexities of securitization to the court, which has always been a problem for homeowners.

This could have enormous consequences.  Because the REMICS failed, the investors were not entitled to the special tax treatment. The large bond mutual funds who specialize in RMBS investments did not tell the individual “mom and pop” investors this.

In 2011, the IRS was made aware of this problem. It stated: ““The IRS is aware of questions in the market regarding REMICs and proper ownership of the underlying mortgages as set out in federal tax law, and is actively reviewing certain aspects of this issue.”

The IRS noted that if the strict requirements for establishing REMICs were not followed, ordinary income taxes and penalties would be owed. However, due to the potential enormous consequences, some opined that: “IRS Likely to Expand Mortgage Industry Coverup by Whitewashing REMIC Violations” ( See: https://www.nakedcapitalism.com/2011/04/irs-likely-to-expand-mortgage-industry-coverup-by-whitewashing-remic-violations.html ). That appears to be what happened. Attorneys Generals did however file legal actions alleging the collusion between parties concerning what they called “a conspiracy to commit fraud concerning the REMICS”.

It will be very interesting to see what happens when this is exposed in Courts across America in 2021. So if you wish to know some more about other cutting edge ideas please join us, contact us, and let us know.

Where do I start?

The first thing to realize is that you are not alone. You are on a ship with 50mm other Homeowners who are fighting the alleged “Servicers” and the alleged trust they work for, to keep your home. We care. We collaborate. We do great work. And we do it with a smile, because we’re pretty damn excited to do what we do.

We are in contact with the new Biden Administration to educate the Government and make it understand that Securitization is not alright when it comes to American’s properties. We had a revolution in 1776 precisely not to pay excessive taxes and for our homes to be sacred and on sovereign land. America belongs to us, not to greedy corporations no matter what anyone says. In this sense we will be reducing property taxes, and eliminating them for our Seniors who are retired. Our homes are our castles!

We are also in the process of auditing the Federal Reserve and U.S. Treasury to know exactly where our tax payer money is really going?

In this sense we need your help, and the help of the hundreds of Attorney Generals and District Attroneys across the country.

If you would like more details on what else we can do visit out Contact page and send us a private message with information about you are, your experience, and how you can help us.


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