Gianna Miceli argues homeowners may not owe mortgage payments because banks separate notes from contracts, breaking the chain of title. She cites an 1882 Supreme Court case holding that separated notes become unenforceable, and urges viewers to challenge their servicers on these grounds.
Imagine you didn't actually owe your servicer the mortgage payment. In 2025, we heard a lot about mortgage fraud, as in some elected officials who shall remain nameless were accused of lying on their mortgage applications. Okay, that goes on. It's a thing. It is a crime to claim your second home as your primary home. Did anybody get hurt? That's fraud on the applicant. But what about the banks? What if the bank sells the note and separates it from the contract? What if the chain of title has been broken? That's an 1870s '82 Supreme Court ruling called Carpenter v. Longen that states that once they have been separated, both become null and void. That means they both become broken, useless, unenforceable. And this happens every single day. That is securities fraud. The bank responds by saying, well, we're just doing what our policy is, and nobody prosecutes it. But you can take advantage of it by challenging the bank on the chain of custody title analysis and getting the release of the lien. Stop guessing how to be free and start learning the game. Join me at LegalFalkoryUniversity.com. I've already figured it all out for you.
