Law Offices of Cameron H. Totten

Law Offices of Cameron H. Totten Welcome to the Law Offices of Cameron H. Totten page. I am a licensed California attorney with over 18 years of experience. I specialize in consumer bankruptcy, foreclosure defense, mortgage fraud and civil litigation.
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Operating as usual

Law Offices of Cameron H. Totten
01/17/2015

Law Offices of Cameron H. Totten

06/26/2013

Great victory for civil rights today. Also a great victory for opponents of the California proposition system. I never imagined that this ruling would impact that but it might have just gutted the corrupt, corporate driven scheme.

Bill McKibben: 'We Broke The Arctic'
10/13/2012
Bill McKibben: 'We Broke The Arctic'

Bill McKibben: 'We Broke The Arctic'

Appearing on the October 5 episode of "Real Time with Bill Maher," author and environmentalist Bill McKibben cautioned Maher's panel on the effects of climate change on Earth's polar regions: "We broke the Arctic." While on the show, McKibben expressed his frustration with those who perpetuate the i...

Mortgage Tornado Warning, Unheeded
02/06/2012
Mortgage Tornado Warning, Unheeded

Mortgage Tornado Warning, Unheeded

Inspired by a personal experience, a businessman became an unlikely sleuth into the practices of the mortgage industry, including Fannie Mae — and his findings have been prescient.

The Four Companies That Control the 147 Companies That Own Everything - Forbes
12/26/2011
The Four Companies That Control the 147 Companies That Own Everything - Forbes

The Four Companies That Control the 147 Companies That Own Everything - Forbes

There may be 147 companies in the world that own everything, as colleague Bruce Upbin points out and they are dominated by investment companies as Eric Savitz rightly points out. But it's not you and I who really control those companies, even though much of our money is in them. Given [...]

Squatters say foreclosed homes beat homeless shelters
12/25/2011
Squatters say foreclosed homes beat homeless shelters

Squatters say foreclosed homes beat homeless shelters

Slips of paper are pasted to the broken door of the corner row house, violations for the garbage piled near the front steps. The stench of trash wafts up the dark interior stairway, where an ashtray filled with cigarette butts sits like an abandoned potted plant on the second-floor landing.

“The REMICs have failed! “The REMICs have failed!”
12/24/2011
“The REMICs have failed! “The REMICs have failed!”

“The REMICs have failed! “The REMICs have failed!”

If Paul Revere were alive today he would be riding through the town warning "The REMICs have failed!" However, the government these days would go, "Shhhhhh!" Most average homeowners have no idea ...

The Big Lie
12/24/2011
The Big Lie

The Big Lie

This is why the myth lives on that Fannie Mae and Freddie Mac started the housing crisis.

The unemployment chart the Obama White House doesn’t want you to see «  The Enterprise Blog
12/24/2011
The unemployment chart the Obama White House doesn’t want you to see « The Enterprise Blog

The unemployment chart the Obama White House doesn’t want you to see « The Enterprise Blog

The official, U-3 unemployment rate is 8.6 percent. But while the unemployment rate has been dropping, so has the labor force participation rate, as measured by the U.S. Department of Labor. Instead of being classified as unemployed, more and more Americans are no longer considered part of the offic...

Are the .01% Capitalists? » New Deal 2.0
12/23/2011
Are the .01% Capitalists? » New Deal 2.0

Are the .01% Capitalists? » New Deal 2.0

The super-rich might not be so outraged by accusations that they haven't earned their money fairly if they didn't know it was true.

Great article. Linda Tirelli is one of the best. I met her in Las Vegas at a Max Gardner seminar. She is one of the few ...
12/23/2011
Special Report: The watchdogs that didn't bark

Great article. Linda Tirelli is one of the best. I met her in Las Vegas at a Max Gardner seminar. She is one of the few who is makng a difference. Hopefully, the US Attorneys will start doing their job soon even if the defendant isn't Barry Bonds.

(Reuters) - Four years after the banking system nearly collapsed from reckless mortgage lending, federal prosecutors have stayed on the sidelines, even as judges around the country are pointing fingers

Four House members received Countrywide VIP mortgages «  HousingWire
12/20/2011
Four House members received Countrywide VIP mortgages « HousingWire

Four House members received Countrywide VIP mortgages « HousingWire

Four members of the House of Representatives received discounted mortgages through a special Countrywide program, according to a letter Rep. Darrell Issa, R-Calif. sent to an ethics committee Friday.

For Law Schools, a Price to Play the A.B.A.’s Way
12/20/2011
For Law Schools, a Price to Play the A.B.A.’s Way

For Law Schools, a Price to Play the A.B.A.’s Way

A law school in Tennessee reflects the problems many such schools face: meeting stringent, and costly, American Bar Association rules, while also trying to be affordable to students.

S.E.C to Appeal Rejection of Citigroup Settlement
12/16/2011
S.E.C to Appeal Rejection of Citigroup Settlement

S.E.C to Appeal Rejection of Citigroup Settlement

The Securities and Exchange Commission said it will appeal a federal judge’s November decision to reject a settlement with Citigroup over securities fraud charges related to the financial crisis.

Exclusive: American Airlines' $30 million London town house
12/15/2011
Exclusive: American Airlines' $30 million London town house

Exclusive: American Airlines' $30 million London town house

LONDON (Reuters) - Buried deep in American Airlines' Chapter 11 bankruptcy filing is a striking asset -- a town house in one of London's most expensive residential streets that property experts say could be worth up to $30 million.

Secrets of the Bailout, Now Revealed
12/06/2011
Secrets of the Bailout, Now Revealed

Secrets of the Bailout, Now Revealed

After a new report detailing the dire situation of major banks during the financial crisis, investors can only ask: Why did it take so long to find out?

12/03/2011

Ron Paul, July 16, 2002, before the House of Representatives:
"Mr. Speaker, I rise to introduce the Free Housing Market Enhancement
Act. This legislation restores a free market in housing by repealing
special privileges for housing-related government sponsored
enterprises (GSEs). These entities are the Federal National Mortgage
Association (Fannie), the Federal Home Loan Mortgage Corporation
(Freddie), and the National Home Loan Bank Board (HLBB)...
"One of the major government privileges granted these GSEs is a line
of credit to the United States Treasury. According to some estimates,
the line of credit may be worth over $2 billion. This explicit promise
by the Treasury to bail out these GSEs in times of economic difficulty
helps them attract investors who are willing to settle for lower
yields than they would demand in the absence of the subsidy. Thus, the
line of credit distorts the allocation of capital...
"Ironically, by transferring the risk of a widespread mortgage
default, the government increases the likelihood of a painful crash in
the housing market. This is because the special privileges of Fannie,
Freddie, and HLBB have distorted the housing market by allowing them
to attract capital they could not attract under pure market
conditions. As a result, capital is diverted from its most productive
use into housing...
"However, despite the long-term damage to the economy inflicted by the
government’s interference in the housing market, the government’s
policies of diverting capital to other uses creates a short-term boom
in housing. Like all artificially-created bubbles, the boom in housing
prices cannot last forever. When housing prices fall, homeowners will
experience difficulty as their equity is wiped out. Furthermore, the
holders of the mortgage debt will also have a loss. These losses will
be greater than they would have otherwise been had government policy
not actively encouraged over-investment in housing."

11/29/2011
Cummings Requests Hearing on Secret Government Loans to Rescue Banks

It is good to see that someone in Congress hasn't been purchased by big banks. It will be interesting to see how well funded his opponent will be in his reelection bid.

Today, Rep. Elijah E. Cummings, Ranking Member of the House Committee on Oversight and Government Reform, sent a letter to Chairman Darrell Issa requesting that the Committee hold a hearing with Federal Reserve Chairman Ben Bernanke and officials from the nation’s largest financial institutions that...

Lest We Forget: Why We Had A Financial Crisis - Forbes
11/25/2011
Lest We Forget: Why We Had A Financial Crisis - Forbes

Lest We Forget: Why We Had A Financial Crisis - Forbes

When a true genius appears in the world you may know him by this infallible sign, that the dunces are all in confederacy against him. Jonathan Swift It is clear to anyone who has studied the financial crisis of 2008 that the private sector’s drive for short-term profit was behind it. More [...]

VIDEOS: Mitt Romney's Campaign Finance Flip-Flop | Mother Jones
11/23/2011
VIDEOS: Mitt Romney's Campaign Finance Flip-Flop | Mother Jones

VIDEOS: Mitt Romney's Campaign Finance Flip-Flop | Mother Jones

Shortly after I tweeted something rather impolite, though not inaccurate, about Mitt Romney's appallingly dishonest new anti-Obama ad, I received a direct tweet from ex-congressman and former Louisiana Gov. Buddy Roemer. The conservative Democrat turned Republican presidential candidate (although ...

Address

790 E Colorado Blvd
Pasadena, CA
91101

General information

California law firm specializing in consumer bankruptcy (Chapters 7 and 13), foreclosure defense, wrongful foreclosure, collections and general civil litigation. I am currently litigating several wrongful foreclosure cases on the grounds that the foreclosing trustee did not have standing to foreclose on the property as a result of improper or void transfers through the MERS system or otherwise. In the last two months, California judges have finally come around to what some Florida and New York judges have known for awhile, i.e., there are very few, if any, trustees of mortgage backed securities which have standing to foreclose on real property. Additionally, the abuses and fraudulent conduct by lenders, services and "robo-signers" have finally come to light. If you are facing foreclosure or are overwhelmed by debt, please contact me for a consultation. Thank you for your consideration.

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(818) 483-5795

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Do you have experience working against US Bank As Trustee ? (for RMAC Trust, Series 2016-CTT)? How hard is it to do a Quiet Title Action?