Orphan Loans! The truth about your mortgage transaction.

My opinion, backed by 14 years of research and securities analysis which I am qualified to perform, is that you probably have what I call an orphan debt. Based upon filings with the SEC and other documents I have reviewed I am quite certain of this. This is the result of an intentional avoidance of lender liability for violations of federal and state laws.  You can use this knowledge to your advantage.  There is no question now about the coming wave of foreclosures. It is happening but thankfully it is delayed by extensions on moratoriums for foreclosure and eviction. This is the time for preparing for how you will deal with claims to bring your payments current or else face foreclosure. It is even probable that as soon as foreclosure firms get the green light they will just start the process by sending a notice of default.  And remember that moratoriums do not cancel or even postpone payment obligations. They only postpone enforcement. So when the moratorium is over, if you were already in foreclosure it will go forward. Unless you have asked for and received a forbearance agreement that, for example, puts your payments off to the end, the banks will use the available procedures to enforce your note and mortgage against you. They want to because it is free money to them.