Tennessee Mortgage Foreclosure Blog
Bank Foreclosure Settlement Tennessee
Posted on January 10, 2013 by John Higgins
The bank foreclosure settlement applies to the people of Tennessee. There are many questions that people want answered. How do I get a check for the bank foreclosure settlement in Tennessee? What are the Bank foreclosure settlement details? Am I eligible for the big bank foreclosure settlement? If my house was foreclosed on by Bank of America, Wells Fargo and JPMorgan Chase will I be eligible for a payment? What other mortgage companies are giving money for a foreclosure that happened on my home in Tennessee? What if my house was foreclosed on in Tennessee during the years of 2008-2010?
In my years of experience with the Big banks and Tennessee foreclosures I have come to the conclusion that the Banks have to be forced to do the right thing. They can’t be taken at their word. The Banks were given a tremendous amount of money under the National Foreclosure Settlement to reduce principle balances on home loans in Tennessee. The Banks in Tennessee were also to do loan modifications. They have not made good on their promises to do so.
The Banks have created a process, where they ask you to submit paperwork, and refer you to a representative about your situation. Many people have complained that after the paperwork was sent in, the Big Banks denied receiving the paperwork or that there was an error with the submission. The Banks often have denied the loan modifications to stop the Tennessee foreclosure for no reason. Some banks returned checks that were sent to them causing the Tennessee homeowners mortgage bill to be too high for them to catch up on the payments (add late fees to this as well). The Banks told some Tennessee Homeowners to stop paying their mortgages so that the loan modification specialists could review their situation. After being told not to pay, the banks denied the loan modifications sent a Notice of Substitute Trustees sale and foreclosed on the homeowners. This happened to homeowners that had been trying to work with the bank to resolve the problem. If any of this sounds familiar it’s a story that I hear everyday.
The Big bank Regulators were conducting a mortgage review process for people that had been foreclosed on in Tennessee. The Tennessee mortgage review sought to determine if specific loans were unfairly foreclosed. The regulators have determined that this was too costly and time-consuming. This is why there is now a new Big Bank deal which includes 10 mortgage companies, including Bank of America, Wells Fargo and JPMorgan Chase. The Banks have agreed that they will pay $8.5 billion. Of that with $3.3 billion in direct payments to “eligible borrowers.” “Eligible borrowers” are people whose foreclosures were handled improperly. The remaining $5.2 billion is supposed to be given to struggling borrowers with programs such as loan modifications.This new deal is separate from the $25 billion mortgage settlement involving five large banks and the state attorneys general, including Tennessee, earlier this year. The banks misconduct with that was the same as it was with HAMP and all other attempts to make the Banks do the right thing. For more than five years in Tennenssee, mortgage companies have made errors in the management home loans. The banks handling of the Tennnessee foreclosure cases pushed many people into foreclosure. This all needs to stop. The only way that the banks will do the right thing is if they are forced to do so. They have shown the people in Tennessee time and time again that they do not want to play by the rules. If you think that you should receive a check through the settlment, I would be happy to schedule a time to review your situation and discuss whether or not you have legal options. Please feel free to email me at John@HigginsLawFirm.Net to schedule a consultation. Know your rights before you deal with the people who wronged you in the past. John Frank Higgins
Other lawsuits I have against the banks:
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Foreclosure in Tennessee
Posted on June 16, 2012 by John Higgins
Foreclosure in Tennessee
There are many rumors about foreclosures floating around the great State of Tennessee. People are asking themselves whether or not the issues pertaining to MERS, Securitization of their home loans, and other activities that banks have engaged in, will actually mean anything in this State. Most people don’t realize that our great State has a long tradition in property laws. Our State was founded by a person who understood and recognized what would happen if the banks and the puppet corporations that they they have carefully crafted to do their servicing. The banks have created an illusion and want totake over our lives and our homes.
Thomas Jefferson, whom was a founder of the of the State of Tennessee and author of the Tennessee Constitution said
“If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around them will deprive the people of all property until their children wake up homeless on the continent their Fathers conquered…I believe that banking institutions are more dangerous to our liberties than standing armies… The issuing power should be taken from the banks and restored to the people, to whom it
According to Jefferson, the banks like Wells Fargo, Bank of America, Chase, and the corporations that have grown up around them, like MERS and other Tennessee foreclosure mills, will deprive people of their property as they are attempting to do all around the State. The people of Tennessee have property rights, and need to stand up against this injustice that is plaguing our land.
We all put a lot of trust in our banks. We keep our money there. We get money there to purchase our homes. The banks have used this trust to create a scheme to take over your home. They lent money to many people who could not afford the homes that they bought, and set up a way to profit many times over. What people need to realize about foreclosures, is that our property laws were set up to protect us from these the banks MERS and other practices.
When someone lends you money for your home and they are paid back for it, from anyone, the home belongs to you. Even if you weren’t the one to directly pay for it. Foreclosures in Tennessee are not what they seem, and the banks who are foreclosing on your home may have lost the interest they had to do so. Our laws and our founders saw this
coming and put in place safeguard against foreclosures from people who already got paid in one way or another from
stealing your home. If you have questions about your rights or want to understand more about the foreclosures in the State of Tennessee, please email or call me, I will be happy to discuss.
John Frank Higgins
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TENNESSEE BANK FORECLOSURE AND FORENSIC LOAN AUDITS
Posted on May 26, 2012 by John Higgins
BEWARE OF SCAMS AND NON-ATTORNEYS GIVING ADVICE
Tennessee is seeing a huge rise in foreclosures. There is also a huge rise in scams involving the subject matter. There are people who are trying to wrongfully cash in on the foreclosure situation by promising people who are facing foreclosure that by getting a very expensive loan audit and hiring an out of state attorney to file a lawsuit in Tennessee Federal Court you will get a free house. This is simply untrue. It is true that some banks that are trying to foreclose on homes may not have the right to be doing so. Many of the foreclosures in Tennessee that are being brought by banks are done without the real legal authority to do so. It is true that they may not have the right to take your home. But, there is also a rise in Tennessee of people, many of whom are not lawyers that are claiming that they provide “loan audits” that will reveal the banks fraud, or give you other legal advice. These predators are not attorneys but are giving advice based on some their limited understanding about the Tennessee bank foreclosure problem. There are a lot of rumors floating around out there. There are people coming out of the shadows who are not legally licensed to give advice advising about loan modifications, short sales, or making half informed claims that if there is securitization in your home loan, that your home loan will be completely forgiven. IT IS A CRIME FOR ANYONE WHO IS NOT LICENSED TO PRACTICE LAW IN TENNESSEE TO GIVE LEGAL ADVICE. PERIOD. These “non-lawyers” are trying to profit on your misfortune by charging huge sums of money for a loan audit, and promising that with the results of the loan audit, they will get you a lawyer from out of the State of Tennessee to file a lawsuit in Tennessee Federal Court to stop the bank from foreclosing on your home in Tennessee. Oftentimes, these “loan auditors” are “friends” and have no qualifications to conduct loan audits. Just because someone worked for a bank or a mortgage company does not mean that they are an experienced qualified or certified forensic loan auditor.
Sadly, promises are being made to homeowners that are desperate to stop their home from being foreclosed on that the only answer is paying for an expensive loan audit and hiring a lawyer from another state that is going to file a lawsuit and get the loan erased. Be careful when you encounter this type of transaction. Anyone that is not a licensed Attorney with the Tennessee State Bar who is telling you where or how you need to move forward in a Tennessee foreclosure lawsuit is breaking the law. Anyone who is giving you advice as to what to do with a loan audit is giving legal advice, and practicing law without a license. Anyone who has encountered anyone involved in this practice needs to contact the Tennessee State Attorney General so that they may be prosecuted for practicing law without a license. Be especially careful when choosing a loan auditor. There are many scams out there. Make sure you know someone who has used the loan auditor or you can see a sample of the finished audit. Anyone that promises a guaranteed outcome with some special out of state special lawyer is not being honest. If you are facing foreclosure, don’t let anyone who is not licensed to practice law, play off of your fears, hopes, and make promises that your loan audit will reveal that your loan was “securitized” thus entitling you to a free home. It is not that simple, and don’t let anyone trick you into thinking that it is. I have extensive experience in bank foreclosure cases involving securitization. Yes, it is true that a forensic loan audit could reveal that there are problems with the banks claim that they own your loan, or have a right to foreclose on your home. A true certified forensic loan audit can be a very useful tool to understand whether the deed of trust and the note are intact, and give the bank the legal right to foreclose on your home. Remember though, only a licensed Tennessee Attorney can give you legal advice on a Tennessee Foreclosure Lawsuit.
There are very few Attorneys in the State of Tennessee that have experience with complex Tennessee Bank mortgage securitization issues. Don’t be talked in to doing a short sale by an Attorney who is recommending that because they don’t have a real understanding of the complex issues that Tennessee Bank Foreclosure cases present. Short sale may be an option, but you certainly need to look at all options before you consider a short sale on your house. Remember, the Tennessee bank foreclosure fraud that has been rampant in other states is relatively new to Tennessee. There are no clear cases to look at in Tennessee yet. Hopefully this will all change very soon. If you have any questions about your Tennessee Mortgage, your bank, a forensic loan audit, or want to discuss if filing a lawsuit is your best option to stop your home from being foreclosed on, please email me or call and I will be happy to confidentially discuss your specific situation. Beware of anyone making promises, holding themselves out as a loan auditor, or giving you any bank foreclosure advice, especially if they are not licensed to do so.
JOHN FRANK HIGGINS
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Tennessee Foreclosure and MERS
Posted on April 25, 2012 by John Higgins
What is MERS? People who are facing foreclosure in Tennessee always want to know about MERS. People want to know if they see the word MERS on their deed if that will help stop foreclosure in Tennessee. MERS is short for the Mortgage Electronic Registration System. It has been defined by a Kansas Court as:
“A private corporation that administers the MERS System, a national electronic registry that tracks the transfer of ownership interests and servicing rights in mortgage loans Through the MERS system, MERS becomes the Mortgagee of record for participating members through assignment of the Member’s interests to MERS. MERS is listed as the grantee in the official records maintained at country register of deeds offices. The lenders retain the promissory notes, as well as the servicing rights to the mortgages. The lenders can then sell these interests to investors without having to record the transaction in the public record. MERS is compensated for its services through fees charged to participating members.” Landmark Nat. Bank v. Kesler, 216 P.3d 58, 164 (Kan. 2009)
What does that mean in english? MERS is a small corporation that is basically a database. The MERS database is used to keep track of mortgage transactions between banks. It can be used to trace how or when the banks sold mortgages to one another. It is unsettled in Tennessee as to whether this is a valid way to transfer property Although there hasn’t been any cases that have decided the issue, very likely that Tennessee is going to follow the trend and keep land conveyances the responsibility of the State and Local Officials. The state of the law nationally as to MERS has overwhelmingly decided that MERS, as a “nominee,” cannot assign promissory notes in which it never had any interest and thus also cannot assign mortgage instruments.
Given the widespread corruption that has gone on in recent years concerning Mortgages and Banks because of the lack of any oversight, it would make more sense that Tennessee would go with the majority of the Country and leave Tennessee Register of Deeds in Charge. If you see MERS on your property deed it doesn’t automatically mean that there is a problem with your mortgage but it is definately a red flag. The property laws in this country are well established and have proceedural safe guards that are meant to stop the fraud we are seeing recently with banks and their misuse of the MERS System in Tennessee. If you have any questions about your Deed of Trust, Note, Foreclosure or MERS shoot me an email or please call and i’ll be happy to discuss.
John Frank Higgins
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How much do you have to owe to file bankruptcy?
Posted on April 25, 2012 by John Higgins
How much do you have to owe to file bankruptcy? Filing for Bankruptcy in Tennessee is a difficult decision. Most people want to know if Bankruptcy in Tennessee is the right option or not. It’s a hard subject to deal with and it’s even harder to ask people “How much do you have to owe to file bankruptcy?” The answer depends on every situation. But the best way to tell is if you are making less each month than you owe. That sounds like everyone I know. But there is also a means test that a Tennessee Bankruptcy Attorney can run to determine whether or not based on what you owe and what you own if Bankruptcy is the right option for you. If you want to discuss Bankruptcy in Tennessee and your options please give me a call and i’ll be glad to talk with you about it.
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Tennessee Banks won’t stop foreclosing on homes and mortgages they don’t own
Posted on April 18, 2012 by John Higgins
Banks in Tennessee are still trying to foreclose on houses that they don’t own. People in Tennessee paying Mortgages are facing foreclosures from imposters.
All too often I get calls from people who are in their homes and facing foreclosure in Tennessee. They have been speaking to a
representative from the bank who keeps promising to “review” the file, and consider them for a Tennessee Loan modification. The banks representatives put them off, give them the runaround and then foreclose at the end and claim that they never had any contact with that person.
In Tennessee, there are very particular requirements for a bank to be able to foreclose on a home. The most important to note is that the Bank trying to foreclose in Tennessee has to ACTUALLY OWN THE HOME. If they don’t own the home and can’t prove their interest, they are not allowed to take it. The scam that the banks are trying to pull are so big that most people don’t believe it.
In a lot of cases there are people in Tennessee who are paying Mortgages to the bank, and by doing so they are paying an imposter.
People in Tennessee could already own their house and not even know it.Everyone wants to trust the bank and they are afraid to go against them, but you should at least know what is going on before you give up and let the bank foreclose on a mortgage in Tennessee. They don’t own it just because they say they do. Learn more about what is going on or call me to discuss.
The article below from Ben Hallman shows what is in store if the Banks in Tennessee don’t stop the wrongful foreclosures that
they are committing. The particular bank that was involved was Wells Fargo, but all of them are engaged in similar practices.
If you are facing a foreclosure don’t take the banks work for anything, find out the truth before you do anything.
Wells Fargo Slapped With $3.1 Million Fine For ‘Reprehensible’ Handling Of One Mortgage
A federal judge who has fiercely criticized how big banks service home loans is fed up with Wells Fargo.
In a scathing opinion issued last week, Elizabeth Magner, a federal bankruptcy judge in the Eastern District of Louisiana, characterized
as “highly reprehensible” Wells Fargo’s behavior over more than five years of litigation with a single homeowner and ordered the bank to pay the New Orleans man a whopping $3.1 million in punitive damages, one of the biggest fines ever for mortgage servicing misconduct.
“Wells Fargo has taken advantage of borrowers who rely on it to accurately apply payments and calculate the amounts owed,” Magner writes.
“But perhaps more disturbing is Wells Fargo’s refusal to voluntarily correct its errors. It prefers to rely on the ignorance of borrowers or their inability to fund a challenge to its demands, rather than voluntarily relinquish gains obtained through improper accounting methods.”
The opinion reflects Magner’s disgust with tactics that Wells Fargo used to fight the case — and perhaps frustration with an appeals court ruling in a separate, but similar case, that overturned her order that would have forced Wells Fargo to audit and provide a full accounting for more than 400 home loans in her jurisdiction.
As The Huffington Post previously reported in a story co-published with The Center for Public Integrity, sources familiar with the preliminary findings said that the bank made costly accounting errors in the administration of practically all of those loans.
In an emailed statement, Tom Goyda, a Wells Fargo spokesman said: “The ruling handed down by the court in an individual bankruptcy case covers allegations going back more than six years and ignores significant changes in servicing practices that have occurred since that time. We believe that there are numerous factual and legal problems with the opinion and are reviewing our options regarding an appropriate legal response.”
Goyda said that an appeal of the ruling is “one option” the bank is considering.
Despite widespread reports that the banks and other companies that service home loans engaged in a range of misconduct — from ordering unnecessary property inspections to misapplying payments in a way that can lead to wrongful foreclosure — few judges have had the time, ability or inclination to do the kind of forensic analysis necessary to uncover wrongdoing in individual cases. For a non-accountant, reading a loan history is like interpreting hieroglyphics without a Rosetta Stone, and banks are often reluctant to turn them over in the first place.
The exceptions have tended to come in federal bankruptcy courts, where justices typically have more time to dig into loan accounts, and are much more likely to have the financial expertise necessary to do so. In an earlier interview, Magner said that she analyzed the loan files of more than 20 borrowers in her court and found mistakes in every instance.
“These are loans of working-class people who bought homes they could afford and whose loans were not administered correctly from an accounting perspective,” she said. “I think that these types of problems occur in almost every [defaulted] loan in the country.”
The current case involves Michael Jones of New Orleans. In a 2007 decision, Magner ruled that Wells Fargo improperly charged Jones more than $24,000 in fees, owing to a fundamental problem in the automated methodology the bank used to account for his loan payments. After Jones fell into default, Magner ruled, the bank improperly applied his mortgage payments to interest and fees that had accrued instead of to principal, as required by his servicing contract. This triggered a waterfall of additional fees and interest that consumer lawyers call “rolling default.” Later, after Jones applied for bankruptcy, the bank continued to misapply payments, according to Magner’s opinion.
In the most recent opinion, Magner describes Wells Fargo’s litigation tactics, which involved filing dozens of briefs, motions and other filings that slowed down the proceedings to a snail’s pace, as “particularly vexing.” The tactics suggest that any other borrower who might wish to contest a fee or charge would find a legal challenge to the bank simply too burdensome.
And yet, Magner writes, it is only through litigation that the abuses can be uncovered. Calling Wells Fargo’s conduct “clandestine,” Magner wrote that the bank refused to communicate with Jones even as it was misdirecting payments for improper purposes.
“Only through litigation was this practice discovered,” Magner writes. “Wells Fargo admitted to the same practices for all other loans in bankruptcy or default. As a result, it is unlikely that most debtors will be able to discern problems with their
accounts without extensive discovery.”
Magner wrote that the bank still refuses to come clean with homeowners about mistakes it made in the accounting of home loans. This is particularly troublesome in her district, where more than 80 percent of the borrowers who file for bankruptcy have incomes of less than $40,000, and consequently are often unable to hire the kind of legal firepower necessary to counter Wells Fargo’s army of lawyers.
“[W]hen exposed, [Wells Fargo] revealed its true corporate character by denying any obligation to correct its past transgressions
and mounting a legal assault ensure it never had to,” Magner wrote.
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National Mortgage Settlement Summary
Posted on April 5, 2012 by John Higgins
According to the National Mortgage Settlement web site, 49 state attorneys general and the federal government reached agreement to settle a long-running dispute with the country’s five largest loan servicers: Ally/GMAC, Bank of America, Citi, JPMorgan Chase, and Wells Fargo. The settlement will provide as much as $25 billion in relief to distressed borrowers and direct payments to states and the federal government.
The agreement settles state and federal investigations finding that the country’s five largest loan servicers routinely signed foreclosure related documents outside the presence of a notary public and without really knowing whether the facts they contained were correct. Both of these practices violate the law. The settlement provides benefits to borrowers whose loans are owned by the settling banks as well as to many of the borrowers whose loans they service.
If you are a home owner, and your loan was serviced by one of the five loan servicers listed above, the settlement may apply to you. However, eligibility may take some time to determine. The agreement will be performed over a three year period.
Another point to consider is that, the agreement does not affect any individual’s rights. A consumer may still bring an individual action, be a part of a class action, or seek further review/relief from the Office of the Comptroller of the Currency (OCC).
Additionally, loans owned by Fannie Mae or Freddie Mac are not impacted by this settlement. The FAQ page on the site contains links to both sites to help you determine if your loan is owned by either Fannie Mae or Freddie Mac.
The National Mortgage web site contains quite a bit of useful content, including a list of Frequently Asked Questions about the agreement, an executive summary of the agreement, and even a list of contact information for the 49 participating state attorneys general offices.
This is a complex agreement. I may be able to help you understand your situation; I can certainly help you by discussing certain tradeoffs and options concerning home ownership and bankruptcy. You can contact my scheduler through our website for your free consultation. If you wish, you may schedule your free consultation by phone by calling us at (615) 496-1127.
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Home Owners to Receive Mortgage Relief
Posted on March 17, 2012 by John Higgins
Tennessee homeowners may have their MORTGAGES FORGIVEN or MONEY REFUNDED if they were foreclosed on in Tennessee.
Tennessee homeowners may have their mortgages forgiven, or money returned if they were foreclosed on according to the new bailout for the banks. Tennessee homeowners, mortgage holders, and other people that have timely paid on their mortgages or have been foreclosed on in Tennessee are about to get the same bailout that banks have already enjoyed.
All Tennessee homeowners and mortgage holders may be entitled to have the principle on their mortgages in Tennessee reduced or completely forgiven. Tennessee homeowners may all be given a cash refund to their mortgage if they paid the bank. The refund extends to people who may not even know it.
Tennessee homeowners that were foreclosed on also may get money if they were the subject of a Foreclosure in Tennessee.
Tennessee homeowners were not aware of the banks practices, but the banks have settled as a result of their mortgage practices in Tennessee and across the country. If the amount that the bank took from the homeowner is bigger than what the Government paid the banks to take care of the problem, a private lawsuit being filed is the other option made available by the Government.
There is a lot to know. Please call me as I can help.
Below is an article that outlines some of the details. There is a huge benefit that is coming to homeowners but if they don’t act now on the new Government bailout of the Banks, Tennessee homeowners and people who were foreclosed on in Tennessee will miss out on what they are owed.
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Is my Tennessee home being wrongfully foreclosed on? Was my Tennessee home that was already foreclosed on done legally? What documents do I need to have?
Posted on March 14, 2012 by John Higgins
How do I get money from bank on foreclosed Tennessee home and or how do I stop the bank from Foreclosing in Tennessee?
A Tennessee Foreclosure Attorney is your best option to help you determine whether or not you are owed money from the Governments recent bailouts of the major banks. It is very important that you review and get the following Documents for my firm to review:
1) Real Property Purchase Contracts
2) Loan Application
3) Contracts Archived by Title Companies:
(Contact the Title Company and request the documents)
4) Real Property Purchase Contracts
6) Mortgage or Deed of Trust
7) Complete Escrow / Closing package
8 ) Recorded Documents: (Recorded, Mailed, Posted, Advertised)
10) Default Notices
12) Substitutions of Trustee
13) Court Complaint or Notices of Trustee’s Sale
14) Sheriff’s Deed or Trustee’s Deeds upon sale
15) Prior Servicer Communication:
(You recorded them right? Probably not but do so in the future)
16) Monthly statements
17) Missed-payment related documents
18) Responses from any attempted communications
19) Loan modification documents
Keep in mind that when dealing with Banks and their Foreclosure practices, Banks are well aware of the fact that they may have
substantial problems foreclosing on your house in Tennessee, they are still being very aggressive in doing so
and are not going without a fight. They can wait forever with their unlimited money and chances are you can’t.
It is important that everyone who wants to keep the rights to their properties or any rights they may have had
on a property that has already been foreclosed on in Tennessee to act now. The Banks are aggressively lobbying
congress and based on the Supreme Courts current makeup, they may be in the position to get all of their fraud
forgiven. So be organized-they are very well organized!
The Banks that are foreclosing in Tennessee when they should not, have taken the
position that it was a few “bad apples” that did this. The problem is we don’t know if that’s true–
but ultimately they are responsible for what their members do.
If corporations and banks that foreclose in Tennessee when they shouldn’t want to be considered “people”,
then let’s treat them like people and hold them accountable.
Contact me to get an assessment on your rights and to see what your options are.
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Tennessee Mortgage Foreclosures: Federal Judges and Lawyers
Posted on February 17, 2012 by John Higgins
This article by Neil Garfield illustrates how far-reaching the Mortgage Foreclosure Fraud may go. The author Neil Garfield is with us on the front lines in the battle against Tennessee Mortgage Foreclosures and Bank Fraud. He has taken the lead in the fight by providing valuable information about key issues.
Mortgage Foreclosure problems in Tennessee are not quite as exposed and well know as they are in other states. All of this is changing quickly. Neil Garfield’s article highlights the fact that Federal Judges pensions may be tied to Mortgage Backed Securities. This could present an issue for Judges being able to hear Tennessee Foreclosure matters because they may have an interest in the outcome. The Federal Judges did not choose to put themselves in this position, but may have to recuse themselves from some Mortgage Foreclosure cases if they feel they cannot be fair or impartial. Fortunately for Tennessee, the Federal Court system and Judges are generally very competent and fair. The Federal Courts aren’t allowing the Banks to get out of their responsibility to show they actually own the house they are foreclosing on. This story further illustrates that the Tennessee Mortgage Foreclosure issues are about to get more and more complex.
There may be other Mortgage Foreclosure issues in Tennessee in coming weeks. I personally have discovered and seen the emergence of documents that were fraudulently created, notarized, or “robo signed”. Tennessee has not yet faced the massive fraud in Mortgages and Foreclosures like many other states; however, the fraud is here. If the fraudulent documents that have been discovered across the nation turn out to be as wide-spread in Tennessee Mortgage Foreclosures, this will create a problem for any Bank Foreclosure lawyer who has any reason to know that they are presenting fraudulent documents to the court. It will be interesting to see how this unfolds. I suggest that everyone go get a copy of their Deeds and look them over. If you have any questions about Tennessee Mortgage Foreclosures please feel free to email or call me right away.