Stop Illegal Foreclosures and Keep People in their Homes  


Foreclosure DEFENSE

TILA Loan Rescission


HOFJ Local Contacts

707-583-9497 phone


If you wonder why this is happening, please check out My Opinion and links below.

Home Owners For Justice

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Lets get one thing straight:  Foreclosure IS the Bank Business Model

The Tide is Turning:  CA Attorney General Amicus Brief - 'Right to Foreclose' Matters

The crisis of corrupt and illegal foreclosures has broken our economy and 
driven millions into poverty.
Stopping this crisis and corruption will enable our economy to recover and create millions of jobs.

1.  If you seek foreclosure defense tactics, start with RESCISSION, or FORECLOSURE DEFENSE
ALWAYS personalize your documentation and complaints.  Example
OCC Website with list of Lender and Servicer Consent Decrees

 2.  If you want to help stop illegal foreclosures, click ACTIVISM/SOLUTIONS
Some current efforts:  Weekdays Live Shows LIBRARY
Statewide Grand Jury: Presented to CA AG 3-27-13Foreclosure Violations Review
O'Brien Anti-Foreclosure CITY ORDINANCE  [FACTSHEET]

3.  If you want to explore the depths of Bank Criminal Activity, click CRIME HISTORY
Warren/Cummings Letter: OCC refuses to provide requested docs
Independent Foreclosure Review Whistleblower - Proof of Bank Cheating
Catherine Austin Fitts:  The Federal Black Budget
William K Black:  10,000 Felonies A Month! [video]
Catherine Austin Fitts:  Fraud to the tune of Trillions
July 2012 Homeland Security Report:  Money Laundering has Ruined Banking System
Judges ARE FOR SALE Report:  New Politics of Judicial Elections 2009-10
[ever wonder why loan mods are so hard to get???]

 HOFJ Youtube channel:

This website details the extensive and continuing bank fraud that has resulted in millions of fraudulent foreclosures, provides Warnings and Information owners may find helpful in trying to keep their homes, and focuses on Actions to help stop the crisis, and Solutions to help ensure that we, the people, don't face this type of crisis again. 

Many folks say lots of stuff.  "Trust but Verify".  Require written proof.  A loan modification can be proven.  A foreclosure cancellation can be proven.  If anyone says they are licensed, check them out.  CA license check: real estate, lenders, insurance, appraisers, corps.

STEALING OUR HOMES - Covering Up Bank Fraud [Why?  See my opinion below.]
They misused our home loans as Financial Weapons of Mass Destruction.
LOST TAX REVENUES - CA County By County Tax Revenue losses (p7)
Historical Foreclosure Record in CA

2005-2013:  HISTORY and LOG of Stealing Our Homes


, there is a reason for the fraud, conspiracy and collusion.  Research for yourself, but I trust that these links and my reasoning may prove useful to you.

Below are some of what I refer to as "key" links I've found in my research.  It is my researched opinion that the coming planet x cataclysms are the main coverup (with the governments in on the secret but the people currently kept out), with all the frauds perpetrated by the elite/gov't to get more money to protect themselves and build systems to detect planet x and protect the public, and that many trumpeted threats/conspiricies are twisted by the gov't to keep people distracted as long as possible in the effort to continue this coverup, as in "keep 'em occupied so they don't have time/energy to figure out the real underlying issue." 

The dictatorial powers the president, with congressional approval, has taken to himself are truly double-edged swords - they may be used to help us, but can so easily be abused against us…  only time will tell.  For example, take FEMA camps.  I believe they have been set up to help protect and feed US people when chaos hits.  However, I do agree that they can/might turn into slave/concentration camps depending on who is in charge…   Or take martial law:  I do believe the government is arming all the agencies and police as much as possible in preparation for chaos when these extreme natural disasters hit in order to stop roving gangs from terrorizing/killing others.  However, I also agree that this power can/might be abused depending on who is in charge…

I also feel that when these predicted disasters really start in earnest (dollar crashes, electric grid is down, the country splits in half along the mississippi, california coast is wiped out by tsunamis), that the military/cops will abandon their orders to protect their own families, so the people will be left on their own.   Others may be "kidnapped" by the Feds for future survival of the species…

Truly, may the Force be with all of us.  cj

PS:  After all the other mentioned disasters above, which are predicted to happen first, we'll know the tectonic plate shift itself is within 1-3 months when everyone on earth sees planet x in the sky as a second sun.   Oh, and here's another interesting article from May 13, 2014 where the French Prime Minister blurts out that we have "500 days left before climate chaos…"  That puts this disaster, according to NASA, occurring late next summer, but even NASA could get it wrong:

PLANET X:  interesting News video and analysis:

I believe this video series pretty much explains what is being covered up - the coming cataclysms.  Ignore the date of 2012 as obviously it didn't happen then, but I'm confident we're still facing it, probably within the next 2-7 years, so preparation is paramount:

Nasa discovered planet x in 1983 and soon after began the coverup to protect themselves:

Here is a recent short SOHO video with a couple frames of planet x unerased (sun and sun camera viewing websites are listed below
in the info site list):

planet x sky chart I found interesting last year:

media conspiracy link:


earthquake map:  Click Here

earthquake list:

volcano map:

radiation alert maps:

fireball logs:

sun viewer:

solar imaging:

severe weather news:


Gold newsletter:

Dr Paul Craig Roberts and US worldwide coups:

Pastor Lindsey Williams:


solar dehydrator:

pump and seal:

solar hydronics for hot water and radiant house heating:

10 suggested prep steps in my suggested priority (#11 is my suggestion):
1) get spiritual house in order
2) store food water firearms
3) purchase everything you need right now before you can't get it anymore
4) sort out medicine cabinet - get remedies now
5) get out of the city - all the elite have already left the cities - living in alaska, etc
6) pay off house mortgage if house is in a safe location, otherwise sell/move now
7) get out of paper investments before they lose all value
8) get ready for a short "greatest buying opportunity" of a lifetime if you have cash
9) buy as much gold/silver as possible
10) get out of debt if what you owe on you need to keep
11) get ready to live completely off-grid.  The grid will be gone for our lifetimes after cataclysm.   

CJ Holmes
Home Owners For Justice
Ph: 707-583-9497  -  Fax: 707-244-4332

Santa Rosa, CA


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