LEARN WHAT THE FORECLOSURE FRAUD SCHEMES AREREALLYALL ABOUT!

Larry Cherry, one of the fathers of foreclosure prevention for the pasttGfi VG2rSwill provide insight into

why and how the fraud is taking place.

Topics covered:

"'-,What is behind the news reports on illegal foreclosures (

Start the steps to investigating whether there is fraud with your mortgage.

How property owners are getting restitution who lost properties in foreciosurJ ,

How to immediately start eliminating some and possibly all or your debt, including mortgages.

What to do about the property value you have lost and high property taxe;~ ,

Why it is important to have legal representation and where to get it whether you are in foreclosure or

not.

How people are maintaining their credit even when they strategically default on their mortgage.

Why it is important t~ our country that we stand up to the banks and mortgage companies who are"~

perpetrating fraud onlAmerican citizens.~ ~

('Why we should be banking at the smaller banks and credit unions>

WHEN: Wednesday, October 27, 2010 at 6:30 p.m. -8:30 p.m.

& Saturday 11:00 a.m. to 1 p.m.

WHERE: 2221 S.Wolf Road, Hillside, Illinois

FOR RESERVATION: CALL773782-3733

COST: $5 donation to Habitat for Humanity

Sponsored by Landguard Eagle LLC www.landguardeagle.com

BIOGRAPHY, Larry Cherry - 773 306-3377

Larry Cherry has been in business since 1974 serving the community, at whichtime at the age of 18 while attending the University of Illinois he began a fashionbusiness called Cherry Tree Boutique. Over the next 18 years he attiredthousands of people from all over the world with high quality apparel. He openedhis first store in 1979 at Circle Court Shopping center located at Racine andHarrison on the near west side of Chicago. In 1984 he expanded into downtownChicago with a second store in the Hyatt Regency on Wacker Drive. His businesswas chosen as Small Business of the year by Chicago United,a coalition of the topcorporations of Chicago. Mr. Cherry served as a volunteer counselor for the SBA)sSCOREdivision at 30 years of age. Larry traveled throughout the United Statesmarketing through conventions in over 20 states. In 1989, after closing thechapter on the fashion enterprise, Larry started a business consulting firmspecializing in business planning, computer consulting and marketing.

In 1994 he became a State of Illinois real estate broker and mortgagebroker, in which he specialized in providing housing for families in underservedcommunities. Always dissatisfied with the unfairness of uneven distribution ofcapital to small businesses and inner city communities, he studied monetaryscience, finance, economics, real estate development, mortgage lending andother relevant topics leading to ways for those with energy and enthusiasm toovercome lack of capital. The current housing program used by CHA to assistvoucher holders to purchase homes was developed by Larry Cherry.

In 2002, Larry Cherry founded the University of Life Itself, a not for profitorganization specializing in educational training for teachers, researching naturalhealing alternatives and foreclosure prevention.

Cherry has conducted training workshops for over 4000 teachers in over 70schools.

He is a 7 year volunteer with the Principal for a Day program, and five years withthe Blackstar Program. He has served as a board member of New DirectionsHousing for 11 years a nonprofit housing agency that has built over 10 million

--- -------- -

dollars in affordable housing. In 2005, Larry was chosen as an affiliate fellow bythe Ashoka Foundation a worldwide social entrepreneur foundation.

To date, University of Life Itself has developed programs to train attorneys inpredatory lending prosecution, foreclosure prevention and fighting debtcollectors. Thousands of home and property owners have been assisted throughcounseling and advocacy. Landguard Eagle LLCwas formed to partner withinvestors to retain our land, reinvest funds in needed communities and provideassistant to competent lawyers vested in litigating unfair foreclosures.

Long before it was in the media Larry warned everyone who would listen of thecurrent foreclosure crisis and how to prepare for it. His message goes beyond thecurrent huge foreclosure crisis into what has to be done to change our currentmoney system to a fair playing field for everyone. Cherry has authored a book,entitled 1/25 ways to Stop Foreclosure With a Competent Attorney" to be releasedin January 2011.

---------

1UNIVERSITY OF LIFE ITSELF LEGAL QUIZ -773 306-3377.

1. Have you or a family member or friend ever had a car repossessed from alocation that was private property?

.:k2. After the car was repossessed, did the lender fail to send you a Notice of\

Sale with the address, time of sale and stating whether it was a public orprivate sale?

3. Before the repossession did the creditor enter into a workout agreement, ( ..

with you and then took the car? ,'J' )..c".J/\ c,,~. C (j

3It blows my mind how fast and big the top 5 banks have grown. Bank of America in particularhas grown so rapidly from being a regional bank to what it has be come today. The main reasonbehind their growth is the major acquisitions they have made. Several of the aquisitions haveended up hurting them more than helping.

TOOLS YOU CAN USE

1. Send Qualified Written Request (QWR)2. Require the Production of Your Note3. Send FDCP A dispute4. Apply for modification however. .5. Become a Strategic Defaulter6. Have a fraud audit conducted on your mortgage7. Leam the laws of Service of Process8. If you are over 60 or close consider a reversemortgage be careful

9. Change your withholding allowances on your W4 ifyou are a salaried employee

10. Find a better property for a much cheaper price11. Start your credit repairA. Dispute trade line reportingB. Get an accommodation loanC. Send a Good Faith Dispute and pay offwith aRestrictive Endorsement Check

4LEGAL TERMS TO KNOW

1. Jurisdiction - the authority given by law to a court to try cases and rule on legal matters within a particulargeographic area and/or over certain types of legal cases

2. Discovery - the entire efforts of a party to a lawsuit and his/herlits attorneys to obtain information beforetrial through demands for production of documents, depositions of parties and potential witnesses, writteninterrogatories (questions and answers written under oath),

3. Service of Process - the delivery of copies of legal documents such as summons, complaint, subpena,order to show cause (order to appear and argue against a proposed order), writs, notice to quit the premisesand certain other documents, usually by personal delivery to the defendant or other person to whom thedocuments are directed.

4. Restrictive Endorsement Check5. Subpoena - an order of the court for a witness to appear at a particular time and place to testify and/or

produce documents in the control of the witness (if a "subpena duces tecum"). A subpena is used to obtaintestimony from a witness at both depositions (testimony under oath taken outside of court) and at trial

6. Chancery - A court of equity7. Modification8. Forbearance - The act of refraining from enforcing a enforcing a right, obliigation or

debt.9. Judgment - the final decision by a court in a lawsuit, criminal prosecution or appeal from a lower court's

judgment, except for an "interlocutory judgment," which is tentative until a final judgment is made.10. Vacate a Judgment11. Good Faith - an order of the court for a witness to appear at a particular time and place to testify and/or

produce documents in the control of the witness (if a "subpena duces tecum"). A subpena is used to obtaintestimony from a witness at both depositions (testimony under oath taken outside of court) and at trial

12. Slander of Title - defamation, in which someone records an untruth about another13. Fraud - the intentional use of deceit, a trick or some dishonest means to deprive another of his/her/its

money, property or a legal right.14. Negligence15. Plaintiff - the party who initiates a lawsuit by filing a complaint with the clerk of the court against the

defendant(s) demanding damages, performance and/or court determination of rights16. Defendant - ) the party sued in a civil lawsuit or the party charged with a crime in a criminal prosecution17. Counterclaim - a retaliatory claim by a defendant against a plaintiff in a lawsuit included in the

defendant's answer and intending to off-set and/or reduce the amount of the plaintiffs original claim againstthe defendant.

18. Motion - a written or oral application requesting a court to make a ruling.19. Pleading - a formal document where a party to a legal proceeding sets forth or responds

to allegations, claims, denials and defenses20. SOJ - Substitution of Judge21. Continuance - a postponement of a date of a trial, hearing or other court appearance to a later fixed date

by order of the court22. Default - failure to respond to a summons and complaint served on a party in the time required by law. If a

legal answer or other response is not filed, the suing party (plaintiff) can request a default be entered in therecord, which terminates the rights of the defaulting party to defend the case. Under a unique New York

--------- ~-... ---.~..~

5statute a default can be taken by failure to respond to a summons served without a complaint 2) the failureto make a payment when due, which can lead to a notice of default and the start of foreclosure proceedingsif the debt is secured by a mortgage or deed of trust. 3) v. to fail to file an answer or other response to asummons and complaint, or fail to make a payment when due.

23. Interrogatories - a set of written questions to a party to a lawsuit asked by the opposing party as part ofthe pre-trial discovery process

24. Production of Documents - the right to examine and copy the opposing party's papers in a lawsuitwhich are relevant to the case.

25. Request to Admit - A partys written factual statement served on another party who mustadmit, deny or object to the substance of a statement

26. Deposition - the taking and recording of testimony of a witness under oath before a court reporter in aplace away from the courtroom before trial

27. Motion to Reconsider28. Appeal - to ask a higher court to reverse the decision of a trial court after final judgment or other legal

ruling29. Consideration -Something of value received by a promisor from promise.30. Promissory Note - n. a written promise by a person (variously called maker, Obligor, payor, promisor) to

pay a specific amount of money (called "principal") to another (payee, obligee, promisee),31. Holder in Due Course - one holding a check or promissory note, received for value (he/she paid for it)

in good faith and with no suspicion that it might be no good, claimed by another, overdue or previouslydishonored

32. Securitization33. Motion to Compel- a party's request that the court force the party's opponent to respond

to the party's discovery request.34. Assignment - . the act of transferring an interest in property or some right (such as contract benefits) to

another. It is used commonly by lawyers, accountants, business people, title companies and others dealingwith property.

35. Emotional Distress - an increasingly popular basis for a claim of damages in lawsuits for injury due to thenegligence or intentional acts of another

DISCUSSION TOPICS

Why you shouldn't feel guilty about not paying your mortgage

How law can literally save your financial life, home, car, boat,relationship, job, freedom, bank account, check from being garnished,release you from payday loan trap, get you a home, help you retireearly and get you out of bad student loans BYSTUDYING LAW.

What does the study of law involve?

RECCOMENDED READING

-_. ----------------------

625 Ways to Stop Foreclosure with a Competent Attorney by LarryCherry

Creature from Jekyll Island by Joseph Griffin

The End of Money by Thomas Greco

The Lawsuit Survival Guide by Joseph Matthew

Blacks Law Dictionary

Legal Research

RECOMMENDEDWEBSITES