When someone comes to you and says, “You are in default and we’re taking your home,” you can conditionally accept upon proof of claim that the entity moving against you: (1) Is a real party of interest, (2) is either the only party of interest or has properly met its obligation to notify all other alleged parties of interest as they have the right to claim their stake in the foreclosure, (3) is the lawful holder in due course of the genuine original promissory note, because if your home is taken on a copy of the note the real holder in due course of the genuine original can still come after you later, which creates and imposes undue liability with no remedy (a no-no in law), (4) has not already been paid in full for your home through bailouts, mortgage default insurance and the like, (5) that a true and lawful loan of actual money was made to you, as opposed to the lender just taking the security instrument that is given value by your signature and entering it as a book deposit, therein taking no risk and giving no consideration (not to mention misrepresenting the agreement and committing fraud) and thus making the original contract and all contracts therefrom derived void ab initio.

In light of the infamous and notoriously known “bank bailouts” and “mortgage and securities fraud” that have caused a financial crisis of global proportion, and such putting millions upon millions of American families out of work and out on the streets as the blood-sucking banks profit from this fraud fostered upon us, I think the above is more than reasonable to ask. Proof of claim. Put up or shut up.

When you conditionally accept, you have lawfully put the ball back in their court. If you say you’ll be happy to pay them upon their proof of claim and standing and they resist, sue them and ask your questions again via interrogatories, subpoenas, demands for production and et cetera, and put them on the stand and make them swear on and for the record under penalty of perjury and against their full commercial liability, and you might just see that their fraud and deceit has been fostered upon you too.

He (or she) who does not object agrees. Most people just assume that when they get a notice of default then they must be in default and should just pack up & go. This has to stop. It’s fraud and it’s not right unless you make it right by going along with it and not objecting. If someone wants to commit such a serious action against you as to take your home, call them on it. Conditionally accept.

Let that which has been done in the darkness be brought into the light.

This is not legal advice and should be completely ignored. Nothing to see here. Move along.

Is it lawful for C to change the terms of the contract, genuine original or copy, without agreement from or notice to B (e.g. loan modification)?

Is it lawful for B to purport itself as an organization that wants to loan its money to me, and then to enter the security instrument, that I created value upon by my wet-ink signature, as a deposit on the B’s? Where is the lawful risk and consideration in that scenario? It seems to me that in such a case it is lawfully *I* who created the value for everything with any respect to my property, and *I* who loaned B money. Where is my lawful consideration therein, and especially if B made millions upon millions on copies of the value I created without disclosure to me?

If I am misguided or need further education, I would be happy to pay you any price you demand, to come out of retirement and educate me and, I would pay you up front and in full with a copy of: a personal check, cashier’s check, money order traveler’s check or, promise to pay (you pick). If you have former associates who could assist you in furthering my education, I will would also be happy to pay them up front and in full with additional copies of the instrument with which I paid you.