What happens when a lender can't produce the original note?
Aug 17, 2009 . Loosing an original mortgage note is like loosing a $100 bill or a gift card or a . have the original note, because that note has been lost or destroyed. . Liane Jamason, REALTOR, CDPE serving St. Petersburg, FL (Smith . My reading is that this Strategy can not permanently remove a legitimate debt.
Szymoniak Objection to Continued Use of Original Clerk Documents ...
Mar 28, 2012 . This is an action to foreclose a mortgage on a property owned by the Defendant. Lynn E. Szymoniak in Palm Beach Gardens, Florida. . The original promissory note was lost or destroyed subsequent to Plaintiff's acquisition . The allonge in blank must be permanently attached to the note in order for it to be .
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DEFENDANT'S FIRST REQUEST FOR ADMISSIONS (PROOF OF ...
RESPONSE: 7. The original mortgage note has not been lost or destroyed. . An allonge cannot be permanently affixed to a mortgage note by way of a paper .
Annoted Example of Asignment and Assumption Agreement
Destroyed Mortgage Note means a Mortgage Note the original of which was permanently lost or destroyed. The Company and RFC intend that . Florida. Fair Lending Act, Fla. Stat. Ann.ss.ss. High Cost Home Loan. 494.0078 et seq. Effective .
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Mortgage note - Wikipedia, the free encyclopedia
Attorneys estimate that the documents belonging to as many as 50% of the mortgages made between 2001-2008 have been lost or destroyed, leading to .
Florida Laws: FL Statutes - Title XXIII Chapter 319 Title Certificates ...
Mar 26, 2010 . (1) Each lien, mortgage, or encumbrance on a motor vehicle or mobile home . (1 ) If a certificate of title is lost or destroyed, application for a .
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South Florida Foreclosure Archives: Miami Foreclosure Lawyer Blog
As our South Florida foreclosure defense attorneys understand it, Bank of . have received permanent modification through the program -- millions have applied. . keeping track of mortgage documents, many of which were lost or destroyed .
NO. THERE'S NO LIFE AT MERS
Sep 22, 2010 . Mortgage Electronic Registration Systems, Inc (MERS) has a very long history. . lost assignments actually stating, “the said mortgage was assigned to Mortgage . or destroyed before same could be placed of record with the Florida Land . leaders it is time to permanently switch MERS lifeless device off!
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Altered Documents by Akerman Senterfitt? | DEFENDANT ...
Mar 27, 2012 . The original promissory note was lost or destroyed subsequent to Plaintiff's . been stapled as a means to permanently attach the Allonge to the Note. . P.A., American Home Mortgage Servicing, Docx, LLC, Florida Default .
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The Florida Senate
Nov 2, 2011 . During the nation?s mortgage foreclosure crisis, Florida has sustained . A person who seeks to enforce a lost, destroyed, or stolen note must prove . (The 2002 amendment by the Permanent Editorial Board of the Uniform .
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FAQ - Florida Division of Emergency Management
Apr 6, 2010 . Mortgage payment book or other mortgage documents (i.e. late payment . property loss going well beyond what FEMA grants are authorized to cover. . or is uninsured and has damages at the minor, major or destroyed level. . are lawful permanent residents (possessing an alien registration receipt card, .
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Wells Fargo Sued For Not Modifying Mortgages
Apr 16, 2010 . For a trial modification to become permanent, homeowners must make three . Wells Fargo Mortgage in South Florida/ 19 months of Hell and a call to my . Ilness and in bankruptcy from medical bills and loss of income of course I . me for two years now, my business is destroyed because of Wells Fargo.
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Chapter 319 - TITLE CERTIFICATES :: Florida MOTOR VEHICLES ...
2005 Florida Code - MOTOR VEHICLES TITLE CERTIFICATESChapter 319 . 319.29 Lost or destroyed certificates. . or mobile home sold, disposed of, mortgaged, or encumbered, unless evidenced by a certificate of title . assign and require the permanent affixation upon such mobile home of an identification number.
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what can I take from a foreclosed home? - Trulia Voices
Jun 15, 2008 . I lost my home because I defaulted on house payments. . The banks, do not even own the mortgages they are foreclosing on! . Mikehouse, Other/Just Looking in Cocoa Beach, FL . people learn and understand this they will continue to destroy our nation and the Americans who make up this country.
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MOTION FOR ENTRY OF ORDER PROHIBITING PLAINTIFF FROM ...
Oct 14, 2010 . and/or sale of.the subject alleged lost Note and Mortgage, causing further . EMC CANNOT SELL A NOTE AND MORTGAGE WHICH IS LOST OR DESTROYED . of Hialeah, Florida, an Appeal from the Circuit Court for Miami-Dade County, . non-existent, and permanently unverifiable alleged debt and .
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Homeowners Insurance - How To Information | eHow.com
Can Homeowners Insurance Be Included in Your Mortgage? . homeowner's insurance to pay the loan off in the event your structure is destroyed due to fire, smoke, . However, the State of Florida and the federal government administer programs . Homeowners insurance protects a policyholder against loss in four ways.
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Records and Valuable Papers - EDIS - University of Florida
Other records need to be permanent such as ownership papers. . Records of outstanding debts, notes, or mortgages and names and addresses of lenders. . If a U.S. Savings Bond is lost, stolen or destroyed, report the loss immediately by .
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9 - Miami Foreclosure Lawyer Blog :: Published by Miami, Florida
Banks and mortgage companies have treated no one fairly throughout the process . with a qualifying income, he would be given a permanent modification . . in keeping track of mortgage documents, many of which were lost or destroyed as .
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Paperwork Mess Aiding Strapped Homeowners - CBS News
Feb 19, 2009 . Some Homeowners Staving Off Foreclosure By Requesting Original Mortgage Note, Which Is Often Lost Or Destroyed.
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Young and Upside Down on the Mortgage: What Would You Do?
Apr 30, 2009 . A 26-year old reader from Florida wrote me and said: . I would NOT walk away in your situation – you will destroy your credit . Get an accountant – claim the operating loss and mortgage interest deduction and it may not be too bad! . even swept away for many decades and maybe even permanently.
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U.S. Homes Lost to Foreclosure Up 25 Percent | Fox News
Sep 16, 2010 . August makes the ninth month in a row that the pace of homes lost to . in the Obama administration's flagship mortgage-relief program have fallen out. . Fla., was one packet away from a permanent loan modification from .
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Mississippi Concealed Carry Permit Information
Within thirty (30) days after the changing of a permanent address, you must notify the . A notarized statement to DPS that the permit has been lost or destroyed is required. . Can I show mortgage info to prove where my residence was? . the state, i.e.: Florida, as a vacation home resident for the carry permit to be accepted ?
Robo-Signing, Chain of Title, Loss Mitigation, and Other Issues in ...
and questions about the validity of transfers in private-label mortgage . if current trends continue, by year's end the number of active permanent HAMP . There is an exception, however, for lost, destroyed, or stolen notes, which . In Broward County, Florida alone, over 2000 such affidavits were filed in 2008-2009.52 .
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GS11 for Clerks of Court
Jan 1, 2010 . See Florida Rules of Judicial Administration for Judicial Branch records . public record may be destroyed or otherwise disposed of only in accordance with . documentation as a permanent record, but should not submit it to the Records . Retain until obsolete, superseded, or administrative value is lost.
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US Mortgage Foreclosure Rate: The Disappearing American Dream
In 2008, more than 1.7 million homes were lost through foreclosure. In 2009, more than 2 million homes were lost through foreclosure, and in 2010, the number of homes lost . These states are: California, Florida, Arizona, Illinois, and Michigan. . for a period of three months, there is no guarantee for a permanent reduction.