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When it comes to legal theories related to foreclosure, Neil Garfield’s Living Lies Blog[1] would have to be considered nothing short of jam packed.  An attorney, now practicing law in Florida, his ideas about foreclosure defense could be described as running the gamut from the somewhat commonplace to the absolutely arcane.

Sometimes, however, his

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Posted on by Neil Garfield

In the financial world we don’t measure just the amount of principal. For example if I increased your mortgage principal by $100,000 and gave you 100 years to pay without interest it would be nearly equivalent to zero principal too (especially factoring in inflation). A reduction in the interest rate has an

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I didn’t know Cecily McMillan two years ago, when I glimpsed her convulsing on the street, obscured from view by a cluster of NYPD officers and a confusion of Occupy protesters. Word spread swiftly through the downtown Manhattan intersection: the young woman had been assaulted by the cops; her body went into seizure, her brain unconscious, her r

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Craig Lack[1] is widely considered to be America’s top health care cost reduction authority.  For over 20 years, Craig has been the CEO of Energi, the Employer’s National Expert Resource Group, Inc., a health benefits consulting firm that specializes in designing health benefit plans for middle market employers.

More recently, and based on his

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I have frequently commented that one of the first things I learned on Wall Street was the maxim that the more complicated the “product” the more the buyer is forced to rely on the seller for information. Michael Lewis, in his new book, focuses on high frequency trading — a term that is not understood by most people, even if they work on Wall Stree

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Sunday, 06 April 2014 |

Links 4/6/14

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Richard Smith takes a victory lap in his pursuit of international scammers (he hounds lots of regulators, and finds they seldom take interest): Latvian pair behind firm named over Quinn payments Irish Times. The Quinn companies turn out to be connected to dodgy NZ Company registerer Glenn Smith, covered here . And And Glenn Smith is connected to

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Several people are issuing statements about servicer advances, now that they are known. They fall into the category of payments made to the creditor-investors, which means that the creditor on the original loan, or its successor is getting paid regardless of whether the borrower has paid or not. The Steinberger decision in Arizona and other

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A while back, The PEW Charitable Trust did two fascinating papers, found here and here, on prepaid cards. The studies reported that nearly 12 million consumers loaded more than $64 billion onto prepaid cards in 2012, and that three of the top 10 companies now offering prepaid cards are highly recognizable banking institutions that did not offer

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On behalf of everyone at Credit Slips, I wanted to thank Professor Javier Arias of the Universidad Rey Juan Carlos and Professor Andrew Dawson of the University of Miami. It takes time out of a busy schedule to contribute to the Credit Slips community, and their contributions are well appreciated. Javier brought us up to date on the recent changes

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