News, Research & Insights for American Homeowners, Patriots & Constitutional Conservatives
Creativity.
The Washington Examiner’s David Freddoso makes sport of earnest, sincere, pleading, heartfelt Democratic fundraising e-mails: I noted yesterday that I’ve received 23 fundraising emails on the topic [of Sandra Fluke] from just the two Democratic congressional committees (the DCCC and the DSCC). You know that silly game Republicans play with flag-burning amendments? The Democrats’ version [...]
Creativity.
The Washington Examiner’s David Freddoso makes sport of earnest, sincere, pleading, heartfelt Democratic fundraising e-mails: I noted yesterday that I’ve received 23 fundraising emails on the topic [of Sandra Fluke] from just the two Democratic congressional committees (the DCCC and the DSCC). You know that silly game Republicans play with flag-burning amendments? The Democrats’ version [...]
Okay, DOERS… you’ve DONE IT again… but it’s not over yet, so if you’re one of the DOERS that hasn’t DONE anything yet, WE NEED YOU NOW!
I don’t usually do this, but with Holly’s permission, I’ve posted the three emails I received from her today. I get a lot of very flattering emails from homeowners across the country, and I appreciate them all very much… but I don’t post them because it just seems weird and icky to do so… like, “look at how great I am.” (Yuck.)
But, I’m posting Holly’s emails today for three reasons:
So, if you’re already a DOER, but haven’t subscribed to Mandelman Matters please DO it now: SUBSCRIBE. That way, you’ll get an email with each new article and if it’s a DOER ALERT, you’ll receive it that day.
I need DOERS to DO BOTH… SUBSCRIBE and send me your email. The reason is that the SUBSCRIBE tab is through Feedburner, it sends an automatic email with each new article. The emails you send me I’m putting in a private database of DOERS, so that when I need to tell DOERS about something but I don’t want everyone who reads Mandelman Matters to know… I’ll email everyone from that database. Get it? Cool.
So THANK YOU to all of my DOERS that did it… I just LOVE the way you DO what you DO! You DO it so well… BUT IT’S NOT OVER YET… It’s close though… you’ll see.
Mr. Andelman,
Thank you again for the great article. I cried through the entire thing. That someone would be so kind and do something for myself and my children to this magnitude is just heartwarming to me.
You know I didn’t mention this to you but it was the first time in 20 years that I did not go home to Erie with my family for Christmas. My children were really upset about it but with the eviction and house being in foreclosure I couldn’t take them there. My entire family was so disappointed because for my mom and dad their daughter and grandchildren weren’t there and for my brother and sister their sister and nieces and nephews were not there either.
Instead, I spent Christmas trying to pack everything up and do as much research as I could to stop the foreclosure from going through. I feel like I let my entire family down. Now though it was worth it because I got to you. I found someone who cared enough to stay up all night writing and trying to help me. It was a Christmas present I never expected. An early birthday gift (tomorrow is my birthday). I found hope.
Tonight an executive from Wells Fargo called me with her boss and Paula in her office. I wrote John Stumpf and the others today after reading your article. I let them have it. I told them I was going to fight til the end.
She said John Stumpf read my e mail and she wanted to talk to me about it. So, by the end of the conversation, she is calling the attorneys office and telling them that they are no longer doing an eviction or an inspection of the property.
They are going to let us live there until they can look into modifying our loan or something else to help make it affordable. She is putting this in writing and over nighting it to me.
She also said that if they can not find a program that she would be the one contacting me and letting me know that we will be evicted. She said they want to work to see if they can work something out but she of course could not guarantee anything. She kept telling me how sorry she was that we had an eviction hanging over our head at Christmas time.
I also went down to the court house and got some documents and had them notarized. One is confusing to me as it was dated March 10, 2011 that the assignment transferred from Flick mortgage to Wells Fargo on that day. That isn’t true at all. Wells Fargo said it transferred title in 2007.
I am reading your blog and reading comments from your readers. The girl Beth something that called me to night said she is now the only point of contact for me and that she has escalated everything.
I will keep you posted on what happens,
Holly Niemic
Dear Mr. Andelman,
So, because of your article and your DOER’S my children may be able to stay in the only home they have known.
Another thing I didn’t tell you is my daughter came home from PA where she was in college because she could not concentrate on school when all this was going on. She called me every day crying where are we going to live. Where are Kipper, miller and Sasha going to live (our dogs)?
I told her I don’t know. I’m going to fight to keep our home but other then that I don’t know. I will work ten jobs if I have to to put a roof over your head but she just wanted her home, her room and her life back. she wanted something stable as her parents are separated. She is now on cloud nine and filled with the same hope that I have thanks to you.
I honestly believe that we have won. I know it is all because of you! Thank you so much from the bottom of my heart. I will continue to do everything I need to do and then when my home is our home again without any banks coming after me I will help someone else that needs help. I now know where to go at the court house, I am learning so much that I will pass the knowledge on and I will point them to your blog and try to help them as much as I can.
I will also continue to be one of your DOERS. I will follow you forever.
Thank you so much for helping my children. You can not imagine how in awe I am at you and how much I appreciate everything.
I will keep you posted on what happens,
Holly Niemic
Mr. Andelman,
Yes, You can print anything I ever send you. If it helps just one person then it is so worth it to me.
I just recieved a letter by UPS from Beth Dorsett, Vice President, Office of Executive Complaints. It says that the subject property does not currently have a scheduled eviction date and that she will work with me in order to determine which workout options are available for the loan.
She will also contact the attorney’s office to advise them of our intent to review the loan for retention options. ( I have been asking them to do this since before the Sheriff sale, but each department said they couldn’t do it and of course never did it).
She also gave me her personal cell phone number last night and her phone number at work which is (800) 853-8516 extension 40586.
I got that letter because of you! You are winning this not just for my children, myself but for everyone facing foreclosure. I have even had more people contact me who are offering advise and telling me not to give up hope.
Now I will never give up hope. You made me believe that there are truly good people out there who think of others and really not only thinks of them but does for them without even knowing them. That is so amazing to me.
All your DOERS, they have been so supportive. Like I said I am one of your DOERS for life now. I will have always lived my life helping others and now others are helping me. it is so touching I’m crying again.
Thank you once again and I will keep you posted on what Wells Fargo is doing.
I don’t know you but God knows I love you!
Holly Niemic
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SO, WHAT ARE YOU WAITING FOR? IF YOU HAVEN’T DONE IT, DO IT NOW! AND BECOME A REGISTERED DOER TODAY BY SENDING AN EMAIL TO MANDELMAN@MAC.COM.
AND SUBSCRIBE TO MANDELMAN MATTERS HERE
Mandelman out.
It is critically important that everyone in this country read the lawsuit filed by the American Civil Liberties Union this week. (Click Here For Lawsuit)
Reading the entire lawsuit is important, but even more important is to read the emails between court officials that are attached as an appendix to the lawsuit. (Click Here For Emails)
I expect that any American with a basic understanding of our system of government would understand just how damming and profound the allegations in the lawsuit are, but it is perhaps more important to read the actual emails that are incorporated into the lawsuit. Don’t just rely upon the allegations contained in the lawsuit, don’t just rely on the ACLU’s interpretation of the facts, read the emails for yourself and ask whether these emails represent the kind of fairness and justice that you think we are entitled to under the Florida and United States Constitution.
It is a mistake to diminish the significance of this lawsuit because “it’s only Lee County”. No, that’s wrong. While the allegations contained within the suit may be particular to that area, we all must understand that we have a responsibility and duty to police what is happening in courtrooms all across this country. Our courts have been co-opted by the corporations and business interests that run this country now, a fact that is clearly illustrated by the ACLU lawsuit. If you can’t quite understand the full significance of the allegations contained within the suit, have a read of the following blog for more perspective:
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I’m sure some that read what I wrote about the Regal 2, the new electronic cigarette that I fell in love with, have wondered what others, besides me, would think about the product. Well, here’s what a couple of my new Regal 2 users (and distributors) had to say in emails to me about a week ago, right after they received their Regal 2s in the mail. And in case you missed my original article about this new product, click here: We Interrupt this Meltdown for a Brief Commercial Message.
Dear Mr. Mandelman –
I purchased the inLife last week because I trust you – you make me laugh and you shoot from the hip. Although I got it on Thursday, I hesitated until Saturday to open the box, and after reading the instructions, found I had to wait 8 hours till the battery was charged.
Finally, at 5:15 last night, I took my first puff – it was amazing – a 3 pack a day chain smoker, a writer like you – I smoked 3 real cigarettes last night, instead of probably half a pack – today I have smoked a pack, but sitting on my butt I would have probably smoked three packs by this time tonight – it takes a little getting used to, but it does satisfy the psychological need of having it in your hand. I grab for it now without thinking, and have even tried to tap the ashes off a few times.
Thanks for introducing us to inLife – It’s a wonderful product!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Ken Baumgardt
Newark, Delaware
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Hey Mandelman!
I just got my Regal 2 today. I know you’re busy, you probably get a thousand emails a day, but I had to tell you… it’s exactly what you said… I love it. I live in Vegas and I’m already building a business around it. A casino manager asked me about buying 3,000 of them! Everyone who sees it is excited too.
I’m glad you wrote about it because I would never have found it on my own… I didn’t even know electronic cigarettes existed before. I’ve been involved in multi-level marketing before, but this is the best product for that type of marketing I’ve seen.
Thanks you so much for my Regal 2, and for your articles. And post this on your site if you want. I could always use the extra promotion… LOL.
Asia McKenzie
Las Vegas, Nevada
So, I’m pleased to be able to announce and recommend Ken as a distributor of the Regal 2 in Delaware, and Asia as a Regal 2 distributor in Las Vegas. If you’re anywhere near Delaware, or Vegas, and you want to know more about the Regal 2, either as a product or as an income opportunity, you should absolutely contact Ken or Asia as shown below.
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And, as always, if you want to talk to me about the Regal 2, email me at: mandelman@mac.com
Since I am making the point repeatedly in emails and calls I thought I might bring it up on the blog.I have changed one of my suggested strategies and I no longer recommend the immediate introduction of the term “pretender lender.”
THERE IS A DIFFERENCE BETWEEN THE USE OF THE WORDS “CREDITOR” AND “LENDER”.
THERE IS A DIFFERENCE BETWEEN THE USE OF THE WORDS “LENDER, “SERVICER”, “REAL PARTY IN INTEREST” ETC. AND “NON-BANK.”
Here’s the deal. If you use the word “lender” you are already conveying the sense that this is a legitimate loan, that your opposition is a party “in interest” who has advanced funds to the homeowner borrower, and that you are trying to dance your away around the inevitable. Anything you say after that is an attempt to regain ground you already lost. So object when they use the wrong terms and don’t fall into the trap of using the wrong terms yourselves.
It is far more accurate to refer to your opposition as a non-bank participant in the securitization scheme.
It is often the case that the parties seeking foreclosures are NOT banks or any kind of financial institutions. But even if the opposition says they represent “Wells Fargo” you should remind the court that Wells Fargo is acting in a non-bank capacity — they neither advanced funds nor processed the loan.
Then when you say you are seeking the identity of the creditor, the court won’t be confused. And by pounding on your opposition with the correct statement that they are a non-creditor seeking to enforce the mortgage without any interest in the note, it becomes clearer to the court as well.
Words make a difference. If you want to use the term “pretender lender” bring it up AFTER you have properly introduced the subject. This is a CHANGE FROM PRIOR SUGGESTIONS I HAVE MADE. Experience reported to me from lawyers and pro se litigants in court indicates that the words “pretender lender” are cute and might make a point, but not until you are fairly sure that you have the judge on your side or at least wavering.
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