Edward H. Smith
PMB 296 at 816 Elm St.
Manchester, NH 03101

Fax:(603) 218-6624 ehsportal@gmail.com  

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Welcome    


0.0 - For New Visitors
0.1
The Housing Bubble    
0.2
Homeowner Facts    
0.3
Using This Site    

1.0 - For Users
1.1
Unique Purpose and Objectives    
1.2
Disclaimer & Copyright Notice    

2.0 - Useful Links
2.1
Online Reference Sites    

3.0 - Key Concepts
3.1
Loss of Equity    
3.2
Securitization and Derivatives    
3.3
Foreclosure Defense Basics    

4.0 - Analysis
4.1
Ten Key Questions    
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
Mortgage Holder?
Note Holder?
Assignments?
Servicer(s)?
Accounting?
Total Liens?
Market Value?
Equity?
Foreclosure Alternatives?
Pending Foreclosure?
   

5.0 - Options
5.1
Foreclosure Defense Checklist    
 
Notice Deficiencies
   
 
Lack of Debt Validation
   
 
Lack of Legal Standing
   
 
Forbearance Frauds
   
 
Verbal Misrepresentation Tactics
   
 
Forgeries & Fake Documents
   
 
Securitization Issues & Blank Endorsements
   
 
Conflicts of Interest
   
5.2
Contingent Liabilities    
5.21
Mortgage Modifications    
5.22
Short Sales    
5.23
Deed-in-lieu of Foreclosure (DIL)    
5.24
Bankruptcy    

6.0 Strategy
6.1
Mindset    
6.2
Pitfalls    
 
Deadlines
   
 
Pro-Active
   
 
Writing
   
6.3
Strategy Components    
 
Debt Dispute
   
 
Current Investment
   
 
Housing Crisis
   
 
Attempted Modification
   
 
Title Defects
   
 
Document Requests
   
 
Note Details
   
 
Response & Resolution
   
 
Deception
   
 
Good Faith
   
 
Legal Standing
   
6.4
Strategic Summary    

7.0 Exhibits
7.1
Exhibit A
General Information for Homeowners Facing Foreclosure
   
7.2
Exhibit B
The Real Solution to the U.S. Mortgage and Foreclosure Crisis
   
7.3
Exhibit C
The Power of a Letter
   
7.4
Exhibit D
Foreclosure Defense - Actual Letters
   
7.5
Exhibit E
Legal Issues, Considerations, & Representation
   
7.6
Exhibit F
Additional Information and Help With Your Foreclosure Defense
   
7.7
Exhibit G
Homeowners' Petition
   

8.0 - Basic Pro Se Guide
8.1
Disclaimer    
8.2
Instructions    
8.3
Contents    
8.31
Court Procedures & Rules    
 
Case Name & Number
   
 
Court Rules
   
 
Failure To Appear
   
 
Continuances
   
 
Fundamental Right To Be Heard
   
 
Pleadings & Communications
   
 
Basic Hearing Procedures
   
8.32
Facts & Evidence    
 
Information To Gather
   
 
Discovery
   
8.33
Applicable Law    
8.34
Case Management    
 
Setting Up Files & Records
   
 
Case Strategy
   
8.35
Trial & Decision    
 
Standards Of Proof
   
 
Settlement Options
   
 
Case Presentation
   
 
Final Decision
   
8.36
Appeals    
 
Appealing A Court Decision
   
 
Protecting Appeal Rights
   
8.37
Common Misconceptions    
 
The Court Will Protect Your Rights
   
 
The Truth Will Prevail
   
 
Judges Are Impartial
   
8.38
Additional Information and Resources    
 
Intimidation Tactics
   
 
Financial Considerations
   
 
Extra Help & Referrals
   

9.0 - Case Law
9.10
Fraud on the Court    
9.11
Abuse of Process (NH)    
9.12
L/T Trial Transcript (NH)    
9.13
Amendment to Pleadings (NH)    
9.14
Substance over Form (NH)    
9.15
Related Cases (NH)    
9.16
Firsthand Review (NH)    
9.17
Factual Findings (NH)    
9.18
Dismissals (NH)    
9.19
Summary Judgment Standard (NH)    
9.20
Attorney Truthfulness (NH)    
9.21
Fraud (NH)    
9.22
Compensatory Damages (NH)    
9.23
Collateral Estoppel & Res Judicata NH)    

10.0 - Court Decisions
10.1
NH Court Decisions    
10.2
MA Court Decisions    



 

3.3 - Foreclosure Defense Basics





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