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Welcome to  2703MathewsBerkeleyCA.com

and

MathewsStreetAmerica.net

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Father Avelino "Abba" Ramos, Mother Kimiyo Yamagishi Ramos, and little sister, Mathews Street house,  January 1968.

 ALL ARE HEREBY GIVEN ACTUAL NOTICE: 

 

Any person or entity who  opposes  her rightful title ownership and  lawful possession of the  real property and owner-occupied home of Renee Ramos Yamagishi occupied by herself and her family continually for four generations and 58 years,  or any agent or realtor who acts adverse to  the same, will be added as a Defendant to the  active  litigation -  read carefully the Alameda County active complaint linked below. 

DO YOUR DILIGENCE.   CHECK  ALL PUBLIC RECORDS. THIS WEBSITE GIVES DETAILED ACTUAL AND CONSTRUCTIVE NOTICE,    SO YOU READER ARE NOW DULY APPRISED.     

No  "bona fide purchaser" won  that egregiously lawless and void "bid at auction" for my home in 2019.  HOMEOWNER WAS AT THE SALE AND SPOKE ACTUAL NOTICE REPEATEDLY TO THE AGENT WHOSE BOSS TOLD HIM TO BID ANWAY.   

 

Now going forward no one can ever  claim or prove to be a subsequent "bona fide purchaser"  and the property is UNMARKETABLE.   

 

Whoever purchases the interest in my home claimed but disputed held by Wedgewood subsidiaries Breckenridge and/or Champery will inherit their lawsuit below and will not prevail. 

See Case Updates page

Writ of Eviction Quashed; Failure to file amended 

complaint 

since Sept. 2021.  

 

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_________________________________________________Failed attempt to evict homeowner-plaintiff 5/16/2023 while  wrongful foreclosure action is pending against all defendants

(partial set of docs)

06/08/2023

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TRESPASS Blacks Law

June 8,  2023      We remain peacefully in lawful possession of our home, and will continue to defend our rights, the truth and  a just remedy to wrongs suffered, to the fullest extent of the law.

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Nationstar's formal reply to this QWR letter as required by Law:   ZILCH.  To this day.

 

Court of Law later compelled proof and an answer who owns the loan, right? Well, no.

What if you could easily AFFORD to make your mortgage payment but  when a Global Financial Crisis hit the globe,  all you were trying to do was switch from an adjustable interest rate to a stable "fixed rate loan" before your payments might suddently go higher if the rate jumped up, so you applied for a "loan modification " to do that,

 

BUT 

 

YOUR PAYMENTS WERE REFUSED FOR NO LEGITIMATE REASON - REPEATEDLY - by a "mortgage debt collector" who refused to provide the name of the actual OWNER of your loan - REPEATEDLY - and instead RELENTLESSLY THREATENED TO FORECLOSE  - after REPEATEDLY REFUSING YOUR PAYMENTS ???

Would you GO TO COURT SO A JUDGE COULD help you make those payments directly to this undisclosed Owner of your Loan  - since the debt-collector who kept refusing to take your money obviously was incentivized to illegally foreclose on your only home instead of collect loan payments on behalf of the "owner" who they refused to tell you who that was?

WHAT IF you realized that TWO SETS OF LAWS were in conflict  -- one set of procedures that allowed debt collectors to treat you exactly in this manner!    And another set of laws that cried "FOUL?"  

Would you insist IN AND OUT OF COURT that the LAWS be enforced by your Court, rather than the procedures that could "legitimize" these companies evicting you from your home by DELIBERATELY REFUSING YOUR  UNWAVERING OFFERS TO PAY?

What if the courts were in just as much CONFLICT amongst one another  - as these "procedures" were in conflict with other laws?  And the courts did NOT order that you had the right to pay WHOMEVER ACTUALLY OWNED  YOUR LOAN? But instead that FORGED SIGNATURES, FABRICATED DOCUMENTS, FELONY LEVEL FRAUDULENT PUBLIC DOCUMENTS FILED and worse, publicly displayed in your county land records offices, filed by these very companies were,

 

considered "a civil matter and NOT a criminal matter"

you were told,  

by law enforcement officials

who would conduct no further investigation

in your county and state

fraud investigation departments"  .... !?

 

Then  these documents you alleged were fraudulent but used to foreclose on your home NONJUDICIALLY -- are given a "pass"  by your JUDICIAL SYSTEM,  

After -- IRONICALLY and to your utter anguish -- a JUDICIAL OFFICER ordered a NONJUDICIAL FORECLOSURE be allowed to move forward under these conditions?    Without a trial of facts and against a slate of other LAWS being ignored in that case, since the California "procedures" were "NONJUDICIAL?"        

"BUT ...  I the homeowner can prove my UNWAVERING OFFER TO PAY THE INJURED PARTY I OWE MONEY TO YOUR HONOR.  I'm here to PAY THE INJURED PARTY I OWE!   The law says if I pay the wrong person or party I don't get credit for those payments -- and that I am to have proof I'm paying who I actually owe my loan to, not an interloper.  Because if the right party shows up one day they are under no obligation to credit me all I paid out to a rogue interloper. Negotiable Instrument Law.  Tender of Debt law.  

 

Can this court of law help me identify who that is and document my payments going directly to them and not through this third party debt collector who relentlessly attacks me  with threats to take my house? While they refuse to prove in any written form whatsoever, except their own hearsay, that  they're even a true agent of the person I owe?

 

Never, ever have I ever asked for a free house!    I was forced to file this case, a "Quiet Title Action" SINGLE cause of action --- stating that UNTIL AND UNLESS the actual owner of my debt appears into this case, it seems I'm holding the superior right to title ownership, because all I see here with me are these debt collectors who ADMIT they don't own my loan nor have title to my house; but who are apparently in the house stealing not debt-collecting business. PROVE ME WRONG.  

These "nonjudicial foreclosure" statutes appear unconstitutional on its face, but in the meantime the laws on the books protect my right to PAY THE PERSON I OWE AND KEEP MY HOUSE.   "PAYMENT ANYONE?   Who is here ready to take my money?"     [crickets].

Fraud investigation please. 

Judicial scrutiny needed. 

Review those statutes for adherence to our constitutions...

All three branches of government fail this homeowner.  

And fail ALL us California homeowners!

Your Honor, didn't I just MAKE the matter INTO A JUDICIAL FORECLOSURE CASE .... and shouldn't that "nonjudicial" process over there stop now that we are here before you in a court of law?"           

[deafening silence]

Would you finally perhaps reach the conclusion, after this traumatizing exhausting ordeal, to close a hard money loan in a hurry before the auction took place - absolutely secure the contract in writing with the debt collector's attorney who agreed and accepted IN WRITING “payment in full” would cure the debt because now you agree to pay their lawyers directly, no longer requiring they prove they were collecting for a true "owner" of your loan  - as long as they got PAID IN FULL as the law required?     (And when you called it "ransom" no one refuted you!)

THEN YOU DID JUST THAT AND DELIVERED ON YOUR END - IN WRTING - WHICH WAS PROVEN RECEIVED AND SEEN BY THE LAWYERS who had entered written contract to accept the "unconditional payment in full" this time, delivery of  PROOF OF FUNDS, ARGUABLY  DAYS  BEFORE THE NONJUDICIAL FORECLOSURE AUCTION  AND YES IN WRITING  -- AND UNEQUIVOCALLY FIVE HOURS BEFORE THE DECREE OF FORECLOSURE -- DELIVERED AND EVIDENCED:   ABSOLUTE PROOF OF FUNDS IN WRITING DELIVERED UNCONDITIONALLY AS YOUR REDEMPTION OF YOUR HOME BY TENDER OF FULL PAYOFF,  by an  email sent directly by your hard money lender that ALL parties had approved going forward and so-signed.  

See California Law on Tender of Debt: HERE>

 

Emailed timely - TO THESE Debt Collectors -- FOR AN AMOUNT $100,000 MORE MORE THAN WHAT THEY WROTE YOU OWED AS "FULL PAYOFF" THAT VERY MONTH --- and these lawyers emailed proof of receipt of your loan broker's "written proof of funds" AND of his escrow officers statement she "had escrow open" ready to wire those funds .... .... after they BOUND THEMSELVES IN WRITING TO THE LAW OF REDEMPTION BY FULL PAYOFF ,with you the "borrower" in which California statute also clearly mandated CANCELLATION OF  PENDING FORECLOSURE SALE when you DELIVERED proof of funds in writing.  

 

This payoff contract made between homeowner and attorney for large law firm SPECIALIZING in California mortgage debt-collection litigation.  California Homeowner's Bill of Rights is clear public law in conversation for two weeks before trustee sale auction ... they're without excuse.   [It should be clear, these links and this summary is not at all exhaustive of the dozens of documents, exhibits, and evidence that do and will comprise litigation in a competent court who would have proper jurisdiction to reach homeonwer's remedy.]

And when all it took was one short phone call to the auctioneer “Cancel Mathews Berkeley, no postponement date, bye.”  

DELIVERED AND EVIDENCED IN WRITING, TWO WEEKS AFTER WRITTEN CONTRACT ENTERED:   ABSOLUTE PROOF OF FUNDS IN WRITING

Emailed timely - TO THESE Debt Collectors -- FOR AN AMOUNT $100,000 MORE MORE THAN WHAT WAS OWED AS "FULL PAYOFF" 

The lawyers for debt-collector received and replied email proof of receipt of your loan broker's "written proof of funds" AND of his escrow officers statement she "had escrow open" ready to wire those funds .... after they contracted IN WRITING  with you the "borrower" that they'd cancel any foreclosure auction when you DELIVERED proof of funds in writing.  .... 

ALL OF THIS DOCUMENTED

BY TIME-STAMPED

EMAILS

BUT

REFUSED YOUR PAYMENT ONCE AGAIN!!!

AND DIRECTED THE AUCTIONEER TO AUCTION YOUR PROPERTY INSTEAD!

Would you attend the auction and PERSONALLY WARN EVERYONE PRESENT  that whoever bid on it would be forcing you to add them to a major lawsuit for illegal foreclosure ... explain your escrow was opened and attorneys for mortgage company refused to provide bank wiring instructions to your loan broker and title escrow officer?

 

And all 7 or 8 people present clearly heard these details of your announcements, which you calmly but clearly articulated in between the auctioneer calling other properties, FOR 45 MINUTES STRAIGHT " ... No this isn't reinstatement of the loan - this is full payoff -- i have $850,000 sitting in escrow on a payoff of less than $700,000 -- THEY'RE REFUSING MY RIGHT TO REDEEM MY HOME!   If anyone bids on my property you're going to be in a complex lawsuit for wrongful foreclosure ... !"    

BUT

the agent who heard all your verbal warnings, in attendance at the auction, agent for a huge fix n flip foreclosure buyer company, talking on his earpiece and hearing you the entire time,  BIDS ON YOUR HOME ANYWAY! 

Would you DEFEND YOURSELF when the eviction lawsuit is filed against you?   If you somehow lost that suit would you appeal?    Would you hire a lawyer  to sue the group of companies involved, to get the sale rescinded and deemed void, restore your name back on title and work out a lawful settlement so you can keep your home that you PAID IN FULL  to keep?

Would you remain peaceably in your home, which happens to be your childhood family home continually since 1965 in your family of now FOUR GENERATIONS since the age of three, while you defended yourself and your family's rights?

Would you make public that to fail to so defend would result in you, approaching 60 years of age without a spouse and no other income at this time besides the house itself (from rental apartments you created behind the house that you manage), stripping you also of over $800,000 of YOUR EQUITY  since their bid was at YOUR price of full payoff  (!?!).... which would leave you not only homeless, but destitute with no retirement income, stripped of the business you built yourself and of that much equity to start over somewhere else, where you could buy a home and land free and clear with that much after you sold your house if you had to payoff your hard money guy?

When your finally hire a lawyer after defending yourself for over two years without one, and he informs you that even he would not be allowed to record a formal notice in your county land records warning the public that your case is up on appeal, would you put a banner on your home to warn the unsuspecting public that your house is NOT FOR SALE?    

Would your banner on your house attempt to inform the world at large that the foreclosure buyer decided to try to sell your house on the open market WITH YOU STILL IN IT?  

Maybe because they realized they were LOSING THE CASE  and couldn't succeed in evicting you FOR OVER TWO YEARS AS YOU DEFENDED YOURSELF IN THEIR COURT WITHOUT A LAWYER.

Hence, to the world at large, you are given this Actual and Constructive Notice, consisting of the banner on the house itself which points to this website you're on now, to warn and protect you and your agents and other related entities-- from the likes of these same foreclosure-fix-n-flip profiteers and sadly government entities, operating at odds with the LAWS OF OUR LAND such as our Constitution,  who would treat a law abiding homeowner who pays her debts, in like manner as revealed in their standard practices upon decent people.                            

 

Our home is Not For Sale.          ACTUAL NOTICE OF COMPLEX LEGAL DISPUTE HEREBY GIVEN.

 

www. Paid In Full Cancels Foreclosure. com

May 5, 2021 (on Zillow.com)

That was not a valid "sale" for $740,000 in 2019.  It was a blatantly unlawful AND illegal "foreclosure auction" and litigation is pending. See estimated value in May 2021 was over $1.5 Million.   How does this make sense?   IT DOESN'T.    Fact narrative and documents in the green box above, and below, and on pages of this site.    

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October 2021    Zillow estimates online reached over $1.62 Million with easy to find values in my neighborhood.   Is it any wonder I qualified and CLOSED A HARD MONEY LOAN FOR $850,000 and REDEEMED my property PRIOR TO the illegal auction on a claimed debt of under $700,000?  Of course it makes sense.   So how can these mortgage debt collection lawyers explain their rejection and deliberate obstruction of my RIGHT TO REDEEM BY LAW PRIOR TO SALE, instead allowing the mega fix and flip operative Wedgewood Inc. to bid for MY redemption price?!    Perhaps the lawsuit will reveal their attempts to justify that  indefensible  malicious act.

Here below, is a failed attempt for that fix n flip operative to try and sell my home out from under me WITH ME IN IT, for half-market-value,  after two years of utter failure  to overcome our defense in "eviction court," hoping to sell  FAST to an unsuspecting duped buyer, and dump our litigation onto the unlucky one who thought they found the deal of a lifetime

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October 2021 to February 2022:

Actual Notice and Constructive Notice to warn and protect the unsuspecting public, because "eviction court" which wrongly summons homeowners to a landlord-tenant matter, does not allow a "Lis Pendens" which would normally be recorded in the County Clerk's office.     You're welcome.

February 11, 2022

Except for "Sir Derrick the Disappointed" who put down earnest money without driving by first, then saw the banner and asked for an explanation which I was happy to give him with some family and neighborhood history from 1965 on, after  which he called "Chrissy" to demand his money back; no one else  tried to buy the house so the listing was eventually removed.  By this time the eviction court case was on appeal , and notices given.

Always, Caveat Emptor buyer beware:  realtor dot com omitted the 2019 illegal foreclosure auction bid $740,000;  shows only our family refinance loan to repair the old broken house of $247,000 from 20 years ago.    But notice tax assessed value at their $740,000 bid price., following the 2019 illegal auction .  

February 2023  

Zillow suddenly shows estimated values after three years of showing "None" or unknown.      CASE STATUS:  A 2021 court order granting  co-defendant  standing to a long term tenant residing full time here HAS YET TO BE COMPLIED WITH by that winning  bidder plaintiff party.   So "2703 " is very much in  active litigation with co-defendant's absolute right to defend his possession.   Or  their case is subject to dismissal for failure to prosecute.  

<< Feb 20 2023

“No society can exist unless the laws are respected to a certain degree. The safest way to make laws respected is to make them respectable.  When law and morality contradict each other, the citizen has the cruel alternative of either losing his moral sense or losing his respect for the law.”                                                                                                                               -- Bastiat

Mighty Grace and the Power of undivided conviction in word and deed has kept us housed right here in our home of four generations:  We continue to uphold and defend the "certain (sure) un-a-lien-able rights" to due process as an individual created by God, under The Supreme Law of the Land, that is Our Constitution.    We are a republic, that is a Nation of Laws.   

 

We do not consent to plunder aimed at making us homeless and destitute while bypassing an actual court of law:  

 

Sheriffs evicting HOMEOWNERS in California (who are not tenants nor ever had a rental contract)  were given an unlawful order from a broken judicial process complicit with plunder.

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" ... that they are endowed, by their Creator, with certain unalienable Rights, that among these are Life, Liberty, and the pursuit of Happiness.  ..." 

- Declaration of Independence

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Christmas Season 2016 ...

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Feb 2019

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2021

"That's odd Midge! Look, they had it at over  $1.52  Million a few months ago, and now they're selling for under $799,000?" 

But,... look,  it sold for less than half market value  back in 2019?"

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2021

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>>8/21/2022

Redfin.com

>>2/23/2023

Zillow.com 


"OUR HOME IS NOT FOR SALE! "

www.
PAID IN FULL
CANCELS FORECLOSURE
.com

    

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Homeowner "tendered full payoff" by closing her refinance loan and redeemed her home  timely perfectly per WRITTEN CONTRACT WHICH WAS BREACHED.

 

Sale was illegal and void. Summoned into landlord-tenant eviction court, this homeowner pled Lack of Subject Matter Jurisdiction.  

 

But both the plaintiff who "won the bid" as well as the court itself ignored this defense, 

and moved forward to summary judgement, without a trial.   Case is up on appeal.

 

LITIGATION IS ACTIVE. HOMEOWNER WILL CONTINUE TO APPEAL.

Coming Soon:  
court filed documents and
Case Updates
2013 - 2023

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October 31, 2021

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December 24, 2021

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Homeowner's Lawful Right

of Equitable Redemption:

  What is it?

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BUYER BEWARE

      

CONSTRUCTIVE NOTICE & ACTUAL NOTICE IS 

HEREBY GIVEN TO YOU

 

www.PaidinFullCancelsForeclosure.com 

TITLE TO THIS HOUSE IS IN ACTIVE LITIGATION 

Hear Ye, Hear Ye

CENTURIES OF CONTRACT AND COMMERCIAL LAW as

Well as the COMMON LAW OF THE LAND, DO DECREE:

 

Paid in Full Cancels Foreclosure

 

Q. “Was the debt secured by the house actually Paid in Full and thus made VOID by homeowner’s perfect tender of full payoff PRIOR to the auction, and even by binding written contract?”

 

A.   A Court of Law has yet to decide if the debt even existed at time of sale. No trial of facts and law has been held to date.

HOWEVER, BE IT KNOWN:

That September 25, 2019

auction was VOID IN TOTO

whether the debt remained

owing to an injured party,

or deemed cancelled by tender.

Signed,

We the People, under witness before God

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>>11/15/2021

8:06 AM

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>>11/15/2021

9:17 AM

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"Did you know that a "RIGHT" is an "ACTION ?"  

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“The state of nature has a law of nature to govern it, which obliges every one: and reason, which is that law, teaches all mankind, who will but consult it, that being all equal and independent, no one ought to harm another in his life, health, liberty, or possessions… (and) when his own preservation comes not in competition, ought he, as much as he can, to preserve the rest of mankind, and may not, unless it be to do justice on an offender, take away, or impair the life, or what tends to the preservation of life, liberty, health, limb, or goods of another.”

                                                                               -- John Locke

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What is the Law known as "RIGHT OF EQUITABLE REDEMPTION"?

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Exactly.  I need to pay the correct person or party to protect myself and family from rogues or interlopers, right?   ..... So who owns my mortgage loan anyway?   

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Constitution for the united States of America  1787 Bill of  Rights  1791

Declaration of Independence  1776

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Supreme Law of the Land  - Constitution for the united States cited at Article 6  and Clause 2 - includes our Bill of Rights:   which does NOT GRANT us any rights, but rather DEFINES clearly by law that We the Peoples' unalienable rights endowed by our Creator shall not be infringed, usurped, or violated.  Our constitution of which the Bill of Rights form the first ten amendments, guarantee us a redress of grievances and due process.   Thus We the People are entrusted to exercise our RIGHT AND ACTUAL DUTY TO DEFEND OUR RIGHTS BY LAW AGAINST TRESPASS THEREOF.

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What happened August 25, 2021 in the "eviction court" this homeowner was summoned into?

Denial of DUE PROCESS.

Therefore the matter is on active appeal.

BUT the improper jurisdiction "eviction court" won't allow a Lis Pendens recorded on title to warn the public of active lawsuit.   Our Lis Pendens is on the house itself -- thus ACTUAL &  CONSTRUCTIVE NOTICE

IS GIVEN

for the public good.

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Father  Avelino "Abba" Ramos, and Mother Kimiyo Yamagishi Ramos, with little sister.  At home in 2703 Mathews Street House.   Both photos  January 1968.

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2703MathewsBerkeleyCA.com

 

See above:  What is   "LAW OF RIGHT OF EQUITABLE REDEMPTION?"

and

What is meant by  "Paid In Full Cancels Foreclosure?"

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Home is where the children sleep

And grow their bones

Home is where our elders rest, in peace

Unto their final home

HOME IS SACRED

The following are shared freely for consideration, but not a blanket endorsement of every word uttered by or promotion for gain of any content creator featured.  May the messages encourage study, edify, dispel confusion or falsity, and richly inspire. 

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"Where Did God Come From?"  Compilation video, 15 min.

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