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MCI Blog
Articles and analysis from a licensed Texas Private Investigator on mortgage fraud, chain of title, securitization, and foreclosure defense.
For AttorneysQuiet Title complaints often fail for lacking legal sufficiency. A Slander of Title action with declaratory judgment may be the stronger foreclosure path.
For AttorneysWhy quiet title complaints get remanded to federal court and dismissed under 12(b)(6), and how to build a proper federal cause of action with your state case.
For HomeownersBeing passive does nothing for the homeowner. Learn how to fight back using the Uniform Commercial Code, proper capacity challenges, and competent evidence.
For AttorneysHow the Fannie Mae/Freddie Mac Uniform Security Instrument uses disjunctive language and misrepresentation to create fraud in the factum in mortgage contracts.
For HomeownersUsing the wrong legal arguments in foreclosure defense is like cutting steak with a spoon. Learn why specificity and proper terminology matter in court.
For HomeownersHow MERS tracks eNotes electronically while tangible promissory notes are stripped of obligations, creating chain of title problems and broken assignments.
For HomeownersHow banks use elaborate and deceitful schemes involving MERS and Fannie Mae credit bids to steal homes from uneducated homeowners on the courthouse steps.
For AttorneysHow MERS operates in the intangible world of electronic records while promissory notes follow UCC Article 3, and what it means for quiet title litigation.
For AttorneysThe common law principle of nemo dat quod non habet means one cannot sell what one does not own, and yet banks do it time and again with mortgage transfers.
For AttorneysWhen there is no Person Entitled to Enforce (PETE), what happens to the foreclosure? The intangible obligation and broken chain of endorsements explained.
For AttorneysA Chain of Title Analysis is a battle-ready tool for foreclosure defense. Learn how competent evidence exposes genuine issues of material fact in foreclosure.
For AttorneysWhat does it mean when a cloud is on your title? Learn about colorable claims, statutory requirements, and why declaratory judgment may precede quiet title.
For HomeownersFrom movie stars to small business owners, wrongful foreclosure affects homeowners from all walks of life. Education and unity are the keys to fighting back.
For HomeownersLaying the proper foundation is essential before building your foreclosure case. Declaratory relief and injunctive relief are the bricks that hold it together.
For AttorneysQuiet Title serves as both an equitable cause of action and an equitable remedy. Understanding both faces is critical before filing, or your complaint may fail.
For HomeownersDiscover how Area 51 in mortgage securitization works: the trust waterfall, closing dates, and why this structure matters for chain of title analysis.
For HomeownersLearn what MERS really is, how it was created, and why it functions as a tracking system rather than a legal recorder of real property records.
For AttorneysLearn what courts need to declare quiet title: standing, chain of title gaps, and how a licensed investigator documents evidence for your case.
For HomeownersWrongful foreclosure does not just affect one homeowner. It impacts entire communities through lost wealth, declining property values, and social disruption.
For AttorneysMeet PETE: the Person Entitled to Enforce. Learn how to identify who holds your promissory note and what it means for your mortgage defense.
For HomeownersDiscover who really owns your mortgage note. Learn how to trace assignments, identify the true holder, and find breaks in your chain of title.
For HomeownersYour loan was sold. Learn what happens next: assignment recording, MERS tracking, and how to audit the transfer chain for defects and gaps.
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