Showing posts with label mortgage foreclosure defense. Show all posts
Showing posts with label mortgage foreclosure defense. Show all posts

Thursday, November 10, 2011

More Pesky Questions about Florida Adverse Possession

10 November 2011 By Bob Hurt

Roxann from Broward County Florida called and informed me of Fitzroy Ellis sentencing related to Adverse Possession, and to ask about AP of a house of a deceased, intestate, heirless owner.   Lola from Duval County Florida called and informed me of Statewide Prosecutor Nick Cox persecution of Demetrius Lewis and Chris McDonald for AP-related crimes, and to ask about AP of an abandoned, moldy, overgrown place bought by the lender for $100 at auction.

I estimate that only a high appeals court like the state Supreme Court can adequately and with reasonable finality answer the questions.  They involve an understanding of the English Law of Florida with roots 600 years deep.  And neither the courts nor the Florida Legislature have ever published that law fully for the people to know and use.

I pointed the callers to Florida Statutes Chapter 86 and my article on AP strategy.  Questions arose that might provide topics for declaratory judgment naming Sheriff, State Attorney, Statewide Prosecutor, Attorney General, Police Chief.

·         Why does lender get property for only $100 at auction (auction sham works like a scam)?
·         Why does clerk turn down opposing bids?
·         How does court determine fair market value of foreclosure auction property?
·         If APer makes repairs and improvements can APer put lien on property for costs?
·         Can APer prevail in a law suit against owner for payment of such lien?
·         Can owner prevail in a lawsuit against the APer for rent or unauthorized changes like adding on a room, re-landscaping the property, planting a garden where grass existed, uprooting a tree, etc.?
·         Does chapter 82/83 apply  - must owner sue for ejectment/writ of possession to eject adverse possessor who possessed realty more than 30 days, or may owner remove APer with mere trespass warning filed with sheriff?
·         How much time does APer have to vacate property on receipt of writ or possession or trespass warning?
·         Does time of filing Notice of AP affect the above, given that law requires AP Notice only within the first year of AP?
·         For abandoned realty with house open to the air, should County health dept check air quality and other inhabitability issues like mold/rats/pigeons/insects/vermin in A/C ducts, attic, main house?
·         Can APer hold owner liable for health problems resulting from mold/rats/pigeons/insects/vermin?
·         Does the English Law of Florida provide that AP statutes/common law constitute only a remedy for adverse possession or also a right adversely to possess untended realty?
·          Does Florida statute violate the English Law of Florida, by removing a common law right without providing a suitable statutory substitute, such as by requiring notice to the property appraiser and owner and Sheriff/police, such that police harass the APer without complaint by owner?
·         Does sheriff/police violate APer rights by harassing, and warning APer of arrest for entry on AP property?
·         Must notice to owner of record include notice to both equitable owner (mortgagor) and legal owner (mortgagee/lender/assignee)?
·         Does such notice require uniting or mortgage and note under one common beneficiary?
·         Does such notice become unduly burdensome when beneficiary has assigned note in blank?
·         Does APer have right to rent the AP realty to someone else?
·         What law or principle of law prohibits an APer from taking AP of numerous realties, fixing them up, and renting them out, so long as APer does not misrepresent the APer’s status as an APer, or the fact that the owner of record might act to repossess the realty within the statutory period?
·         Does the APer have the right to demolish a structure unfit for its intended use (such as human habitation) on the AP realty and replace it with a new one or not replace it at all?
·         Approximately how much would it cost to prosecute a declaratory judgment lawsuit on these and related questions, seeking injunctions against law enforcers and prosecutors from harassing APers or acting against APers criminally, and forcing harassers to compensate victims of such harassment?
·         If an APer takes AP of a house that belonged to a free-and-clear owner who died without will or heirs, what right does the APer have to defend possession against the State of Florida and any probate court?
·         What if the owner did have heirs but no will?  Does APer have any priority of right over the heirs, and if so, what?
·         What if the owner had a will that ignored the  house, and no heirs?
·         At a foreclosure auction where lender takes realty for the “value” at a cost of $100, why does the auction detail not list the purported value instead of $100 as the purchase price?
·         Why do courts not (in equity) force lenders to cram down loan balances to present actual value minus paid in equity – why does lender as sophisticated investor who caused the collapse of values not have to shoulder the brunt of equity loss?


A white paper answering the above questions could become a good promotional item for a title attorney.


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A law buddy responded to the above comments as follows:

Answers are pretty simple.   First of all you need to define an APer.   One does not have the right to make any claim for adverse possession until one has resided and paid taxes for at least seven years.  Once that requirement is met, one can then file an action in court seeking a judicial decree as to whether he or she has adverse possession rights.   Whether one does depends on all the facts and circumstances of that particular case.

So anyone taking possession of property without the permission of the owner is a trespasser for the first seven years and has absolutely no adverse possession rights.  Hence, anyone taking possession of property without the property owner’s permission can be prosecuted as a trespasser.   The law does not require the police or the state attorney’s office to have permission of victims to enforce the law. 

The law does evolve and change.   You raise some good issues as to why it should change in this area.   One is looking at spending at least $100,000 to handle a test case to take up to the Florida Supreme Court. 


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I responded to him as follows:

I understand your comments, but I have an alternate view.  I believe an adverse possessor engages in adverse possession upon taking possession adversely, not upon filing notice or lasting on the realty through the statutory limitation period and associated quiet title action.  Such an action perfects possessory rights against the owner and terminates the adverse possession period.  Thus, AP lasts from initial possession, through continuous possession, for the statutory period.

I therefore believe that ONLY THE RIGHTFUL OWNER OF RECORD has any right to complain against the APer with any legal effect.  And I believe you can prove this IF YOU HAVE FULL, UNFETTERED ACCESS to the English Law of Florida (which you probably do not have).  Our state government has the legal duty to provide all Floridians with the English Law of Florida, as amended and updated, annually, in printed and on-line form so that Floridians may avail themselves of its rights and operate according to its limits and obligations.  Only a successful prosecution of this point through the Florida Supreme Court will force the government to obey its responsibility to provide us with the law in writing. 

As a case in point, the Supreme Court in Kluger v White (1973) opined that the legislature cannot remove a common law right without providing a suitable statutory substitute, and later that year that the Court could, as the source of common law, CHANGE the common law to suit the evolved needs of society.  Thus, any interpretation of criminal law that would impede adverse possessors, other than trespass warning by the rightful owner, operates as a removal of the common law right of adverse possession. 
Thus, AP does NOT constitute trespass UNLESS the owner demands that the APer leave the realty AND the APer refuses to leave .  THEN and ONLY THEN does AP constitute trespass.  400 years of English law prior to the founding of the USA seem to support this.

Essentially, nobody can actually steal realty, other than the objects on it.  Only an idiot would leave his wallet lying on the front seat of an unlocked car.  Even though the law punishes theft of the wallet, catching the thief presents a problem, so most such thieves succeed without penalty.  

However, with realty, we have a different situation.  Because no one can steal it, one cannot commit grand theft of it if abandoned.  One cannot deprive an owner of use of the realty if the owner does not use it, and shows no sign of caring for or cultivating it. 

Owners owe themselves and the community a duty of care for their realty.  Without such care the realty becomes a danger to the community and to the owner and any future occupant through mold infection, pest infestation, and invitation to vandals and thieves.


Thus, the owner owes the care to the community, not merely to himself, and adverse possession therefore purges the community of the harm related to abandonment.  AP has for that reason, not just for taxes and cultivation, ALWAYS operated as a benefit to the community, the owner, any mortgagees, and the government.  And for that reason, GOVERNMENT has the DUTY to protect the APer against all possession adversaries other than the owner of record.  

Let us not forget in this discussion that all governments ultimately took the land by conquest, wresting it from the control of predecessors.  They accomplished this because predecessors failed adequately to care for the land and inclusively to defend their possession.  Today, our government keeps such land only by consent of the governed, and so both government and governed owe mutual duties of care, utilization - putting the land to its highest, best use-,  and defending possession, ultimately ousting from the land those who ignore those duties.  In this sense, "might" indeed makes "right."

The question also arises regarding right to possess any item discarded or thrown away, such as realty abandoned in foreclosure.  NO rhyme or reason supports the faulty notion that an owner of record cannot discard realty, nor that an adverse possessor cannot claim it as his “found” property.  The same remains true when a person dies intestate, and the government has slept on its own obligation to put the realty and other assets of the deceased into probate proceeding.  Government has no less obligation than the rightful owner to prevent the property from becoming a danger to the community or, conversely, to put the property to its highest, best use.
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Bob Hurt    bh  Blogs 1 2 3 Email Law Donate    f      t 
2460 Persian Drive #70, Clearwater, Florida 33763 •727 669 5511

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Tuesday, June 28, 2011

Foreclosure Defenders: Learn MORTGAGE ATTACK


Foreclosure Defenders:
Settle Rather than Sue, but Sue if You Must

Mortgage Attack Offers Tort Complaint Service to Secure WINs in Foreclosure Defense

Broadly Distribute this announcement to your mailing lists.

By now you know that Mortgage Attack (http://mortgageattack.com) provides the gateway to excellent (possibly the best known to man) examinations  of mortgage transactions.  The examination reports REVEALS THE TORTIOUS CONDUCT, contract breaches, and a variety of other violations  underlying the mortgage transaction.

Traditional Service - Exam and Report

Traditionally, you (mortgagor or foreclosure defense attorney) pay  for the examination and receive a written report within 7 business days on the examiner's letterhead.  If you want to sell the service, then you mark it up as you please and send Mortgage Attack the following:
  • the signed confidentiality, service, and fee agreement,
  • a filled-in questionnaire
  • a copy of every document that has anything to do with the mortgage transaction or associated litigation.
Mortgage Attack will provide you with an invoice, and after you pay the invoice, you will receive the examination report by email within about 10 days.

New Service - Exam WITH Tort Complaint

Now Mortgage Attack has unleashed a new added service.  For an additional fee up front, Mortgage Attack will provide the attorney with the examination report styled as a complaint, counter-complaint, and/or cross-complaint, ready for filing in your state court, based on the findings of contract breaches, tortious conduct, and other violations involving the mortgage.

Review of Offer

Mortgage Attack serves as volunteer ombudsman for a litigation services company which provides the examination service and writes the pleading for the attorney who purchases the examination service.  The attorney may then review the complaint and tweak it as desired, then file it.  The complaint will identify causes of action (specific contract breaches, tortious conduct, federal and/or state regulatory violations) and seek jury trial and damages. The complaint can become instrumental in reaching settlement with lender and agents without having to follow through in the lawsuit.  Generally, the lender/agents realize they cannot win against the evidence.  In the event the attorney needs to prosecute the case, the attorney will not need expert witnesses to prove the injury, but may need experts to prove the amount of damages from credit rating injury or appraisal fraud.  Thus, the service puts the attorney in the position of winning for the client at minimal expense. 


How to Use This Offer for Serious Profits

Attorneys, unless you really love drafting possibly erroneous tort or breach of contract complaints, you might want to take Mortgage Attack up on this no-lose offer.  That complaint will let you approach your foreclosure plaintiff with an irresistible recommendation for settlement, especially if you also point the target to this huge predatory lending judgment (nearly $5 million to the borrower because the lender didn't settle).  If you actually file the complaint, your target will probably beg to settle.

Note that the examiner will provide all necessary coaching to the attorney.

Mortgage Attack does NOT recommend that the mortgagor unskilled in litigation undertake the prosecution or negotiation of a tort lawsuit.  I certainly would not undertake it, because I don't want to lose.  I would hire an attorney and pay the normal hourly rate to craft a settlement offer, and I would ask the examiner to confer with the attorney as necessary to ensure success.

No Point for Lawyers to Delay Foreclosures
ATTACK, don't just Pretend-Defend
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You also know by now that most foreclosure defenders only PRETEND to defend, but actually delay the foreclosure a few months while bilking clients for a service the clients don't need.  Mortgagors can ask for a loan mod to stop the foreclosure for months, then offer deed in lieu or buy down the loan balance.  They don't need a lawyer for that.

What does a pretender defender get for that service, about $10,000 to $30,000?

Well imagine this:  Spend a fraction of that on mortgage examination report in complaint format, draft a settlement offer in two or three hours, and take the offer to the foreclosure plaintiff with the report in complaint format and the copy of the above linked $5 Million judgment example.  You spend an hour or so dickering, then land a settlement that leaves the client with the house free and clear, credit report purged of bad marks, and/or a handsome settlement from the bank, your fees paid, and a new reputation as a master CLOSER.

It takes so little actual time, at most a day or two, to use this process, that foreclosure defense lawyers become HERO MORTGAGE ATTACKERS rather than mere Pretender Defenders.

Every so often you get a bank that won't settle, and you go ahead and sue, knowing your skill, combined with examiner coaching, will land a humongous predatory lending judgment in your client's favor.

How do you like that picture?

If you want such a dream to come true in your law practice, you need to get Mortgage Attack to arrange an examination of your client's mortgage transaction FAST.  You can bring that foreclosure to a screeching halt forever IF you take the recommended action.

What action?

Call Mortgage Attack RIGHT NOW (okay, East Coast business hours)

727 669 5511

Click here to send direct email: Mortgage Attack Email

For ANY Mortgagor, Not Just Foreclosure Victims

You might think of this mortgage examination only benefits foreclosure victims, but it applies equally to any mortgagors, even those making house payments with no problem.  It ideally suits realitively wealthy mortgagors who have the money to litigate.

Imagine "owning" a $12,000,000 estate that has a $5,000,000 mortgage.  If the lender over-appraised the estate by a million or so, you got cheated even worse than the millions of buyers of $200,000 residences worth only $140,000.  

Wouldn't YOU like to get your home free and clear?  Can you imagine the multimillion dollar settlement to avoid a tort lawsuit in which you might win tens of millions in punitive damages for predatory lending?  Doesn't it seem like a no-brainer to spend a pittance for a mortgage examination and a complaint against the lender and agents, a complaint that might win compensatory and punitive damages for you in the millions?

The main point:  If you have the money to fund the litigation, should it become necessary, and you can prove the fraud, why hesitate to sue?

Call Mortgage Attack today to get your mortgage examined by a competent group of professionals.



Mort Gezzam