Government Contracts and Congressional Hearings Confirm the Fraud: Evidence Supporting My Abstract and Garfield’s Affidavit

  (Note to readers: Due to time restraints, submitted comments / posts to my articles are not moderated or returned. For requests for services or information, please email me at bill.bpia@gmail.com. Thank you!)  Introduction In the years since Neil Garfield first introduced his affidavit in the Farina...

When Consumer Protection Statutes No Longer Protect: Why the Administrative Process is the Last Remedy

For decades, statutes like the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the Fair Debt Collection Practices Act (FDCPA) were touted as the backbone of consumer protection in the lending and mortgage markets. Yet today, in the era of securitized mortgages, synthetic...

A Quiet Warning to the Complicit: The Moral and Legal Risks of Participation in Mortgage Fraud

  This article is not meant as a threat, but as an appeal—a final opportunity for those participating in the foreclosure and securitization machinery to examine their roles, their conscience, and their future. Whether you are a robo-signer, a robo-witness, a servicer representative, notary, document...

What We Knew Then, What We Know Now: Honoring Neil Garfield and the Evolution of the Fight for Truth in Mortgage Fraud

  This article expounds upon the abstract titled “How Your Mortgage Became a Wall Street Security Without Your Knowledge,” published on May 20th, 2025. Introduction When Neil Garfield submitted his affidavit in the Farina case (U.S. Bankruptcy Court, District of New Jersey, In re: Farina,...

Garfield’s Foreclosure Theory, Reaffirmed: A Retrospective Validation

This article expands upon the investigative findings and conclusions published in the May 20, 2025 abstract titled “How Your Mortgage Became a Wall Street Security Without Your Knowledge,” by the same author. It delves deeper into the deceptive modification practices that emerged during and after...