Wells Fargo can't keep alleged bogus Foreclosure Manual
out of court

U.S. judge allows discovery on Tirelli's smoking gun.
Terelli said. “If Wells Fargo is in fact fabricating documents and involves the foreclosure attorneys in the process, the ramifications on the attorneys involved can be severe and in my opinion, if its in furtherance of fraud, none of the communications would be subject to attorney/client privilege.”

Foreclosed Homeowner Beats Bank of America;
Judge Voids Sale of Man’s Home
(Letter included)
Because he was still current on his mortgage, he was told he had to “miss a payment” before he could qualify for refinancing. Like so many other debtors before him, Bradburn did so, but the conundrum of bank-induced consequences was such a “convoluted case in the minefield of mortgage foreclosure litigation,” wrote Bowden, that even the legally trained judge’s mind struggled with the muddle of facts.

Immediately after the missed payment, the BOA snake constricted around its prey. Bradburn was denied refinancing. A dispute arose over how much money he continued to owe on the house—not uncommon in the quicksand of additional interest and penalties inflicted on delinquent homeowners, even when their delinquency was caused by a bank’s demand. And in the midst of Bradburn’s continuing efforts to seek assistance from the predatory lending institution, BOA foreclosed extrajudicially on his home and sold it out from under him. So much for helpful customer service.

But the BOA constrictor lives in a continent-wide jungle, designed to enrich the banksters through a complex secondary mortgage market where beneficiaries of promissory notes and mortgage instruments are ultimately unknown, and the actual holders of a mortgage change hands regularly. The name of this usurer’s paradise is Mortgage Electronic Registration System, Inc. (MERS), created by bankers for bankers.
Wells Fargo foreclosure manual on trial
Wells Fargo is in a federal judge’s hot seat.
America’s largest mortgage servicer just lost the battle to keep its controversial Wells Fargo Home Mortgage Foreclosure Attorney Procedure Manual out of federal court in New York.
Attorney Jeff Barnes on the $6 Million jury award
It is thus no wonder why the banks fight requests for jury trials with such vigor. They know that if regular people see the kind of fraudulent conduct which the banks engage in that there will be serious consequences.
In the Findings of Fact the Court wrote: The Bank's refusal and ultimate foreclosure created a great deal of emotional distress for McCulley. She was embarrassed and became depressed and reclusive. Before this happened, McCulley was a healthy person, physically and mentally. She was an accomplished photographer, an avid fisherwoman, and loved the outdoors. The Bank's conduct against her caused her to suffer depression, isolation and a near-successful suicide. (Many of us have been there. MSF)
Legal Team Exodus at MERS Said to Prompt Review
MERS chief legal officer, its national litigation coordinator, its corporate counsel and its chief internal auditor -- have now departed. Even if the company survives its legal challenges, the government could someday pull the rug out from under it.
Is a criminal investigation lurking?
AMICUS CURIAE BRIEF in Wells Fargo v. Erobobo
Finally (and as a way to clear the Second Department trial court dockets of fraudulent RMBS foreclosure actions), this Court should require foreclosing trustees to produce a certified and unredacted copy of their trust's Federal REMIC annual tax return, Form 1066, along with the opinion of tax counsel that no actions by the trustee for the subject tax year were in violation of the REMIC tax statutes.
Alleged mortgage fraud scheme may include 500+ Hawaii victims
Violations of Hawaii’s Mortgage Rescue Fraud Prevention Act and the laws prohibiting unfair and deceptive trade practices subject offending parties to fines ranging from $500 to $10,000 per violation per day.
Montana Court Upholds $6 Million Judgment against US Bank
$6 Million Judgment
Findings of Fact & Conclusions
The jury rendered its verdict and found that Defendant US Bank committed fraud and constructive fraud against Plaintiff Mary McCulley and that the fraud and constructive fraud injured and caused damage to Ms. McCulley. The jury also rendered its verdict that found US Bank liable for punitive damages.
Throop couple wins battle in foreclosure fight
The Tananas argue their mortgage payments were not credited, incorrectly tabulated or rejected. They allege the company "has taken intentional actions to force the default by rejecting payments and miscalculating payments that have been made." The couple's admission of default but their unsuccessful attempts to continue to pay the loan is a reasonable defense, Judge Nealon found.
Reprimand sought for Maine attorney in Foreclosure Cases
tied to ‘ROBO-SIGNING’

The lawyers were accused of not doing enough to inform Maine courts in more than 100 foreclosure cases of the possible implications of that information – that people faced losing their homes based on documents with potentially inaccurate statements or debt figures.
WHO’S ON FIRST?: LOAN “OWNER” MUSICAL CHAIRS
We have said that the banksters trade mortgage loans like baseball cards. No one seems to know, from one day to the next, who owns the loan. More disturbing is that it now seems that different banks are claiming ownership of the same loan. Who is lying? We suspect BOTH U.S. Bank and Bank of America.
Banks Move to Overturn Galope LIBOR Case
Homeowners need to understand that the FDIC deciding to sue on the interest rate swaps re: LIBOR is BAD news for the homeowner.
This is my legal theory in Galope being twisted in favor of the investor. This will help Barclays on their petition for rehearing as to standing, I believe that is what the banks are thinking at least. I believe that the timing of the FDIC suit and the petition for rehearing are not coincidental. Unfortunately the homeowners are getting confused, thinking this is somehow a win for them against the banks, when in fact, this is another step the banking industry is trying to take in order to take rights away from the homeowner. - Galope attorney
Understanding the True Facts Behind the Fraudclosure Epidemic
The foreclosures were planned before the loans were originated, and that is why MERS was created.
MERS, in and of itself, is evidence of advanced planning.
Arkansas Supreme Court Accepts Certified Question
Whether the Federal National Mortgage Association satisfies the Statutory Foreclosure Act's authorized-to-do-business requirement, Ark. Code Ann. $ 18-50-1 17, under 12 U.S.C. S 1716 et seq., or other federal laws, or must the Federal National Mortgage Association satisfy Ark. Code Ann. $ 18-50-1 17 by obtaining a certificate of authority in Arkansas prior to statutorily foreclosing on property in Arkansas?
Controversy Surrounds Florida’s 5-Year Foreclosure
Statute of Limitations

This is tricky as banks are re-foreclosing on already foreclosed homes.
Don’t let them try to take your home away a second time. The timing and the difference between losing your home and keeping your home is critical. Watch Roy’s explanation.
Unpublished Opinion demonstrates
Dual-Tracking's Bait & Switch
DiRienzo v. OneWest Bank
DiRienzo's modification request was not acted on because she was current on her loan payments. DiRienzo stopped making further payments based on the statements of the vice president.
DiRienzo’s action did not have the desired effect. Her FICO credit score dropped from 735 to 682 as a result of her delinquency. She was eventually told her modification would not be considered due to her credit score. In 2011, Deutsche Bank initiated foreclosure.
JUST SHUT OCWEN DOWN!
For more than 20 years, Ocwen has been stealing homes using this same procedure used by other mortgage industry criminals.
Mortgage hassles lead to threatened foreclosure
Ocwen 'misapplied' 4 monthly payments, sought $7,098.75 in unidentified 'fees and expenses'.
Martens' February statement showed the account was up to date, and everything seemed fine through early March. Martens said she paid her March statement six days before it was due.
On March 14, she received a certified letter from Ocwen stating she was in default on her loan. The letter showed a past due balance of $9,184.53, claiming she had missed her January and February payments. It included $7,098.75 in unidentified "fees and expenses." It demanded payment in full by April 5.
Supreme Sellout---The End of the Noble Experiment
If the fabricated, forged, robo-signed, falsely notarized, assignment says that the note was assigned to that foreclosing party, there can be no challenge to the foreclosure.
If that doesn’t take your breath away, you must be in a coma. That is the state of your property rights when forgeries are accepted for recording. Anyone can take your home if they know how to do it, and the bankstas invented this system.
Foreclosures on Nonexistent Mortgages
The beauty of this plan for Wall Street is that nobody from any of the tiers could make direct claims to the benefits of any of the contracts. It has also enabled them to foreclose more than once on the same home in the name of different creditors, making double claims for guarantee from Fannie Mae, Freddie Mac, FDIC loss sharing, insurance and credit default swaps.
The ugly side of the plan is still veiled, for the most part in secrecy. When the homeowner gets close in court, there is a confidential settlement, sometimes for millions of dollars to keep the lawyer and the homeowner from disclosing the terms or the reasons why millions of dollars were paid to a homeowner to keep his mouth shut on a loan that was only $200,000 at origination.
Foreclosure Sale VOIDED 4-years later
FDIC v. Duerksen
Here, it is clear from the face of the order confirming sale that Appellant's due process rights were violated.Thus, the order confirming sale is void on its face and the trial court was without jurisdiction to enter such order. The trial court's judgment is REVERSED AND this matter is REMANDED for further proceedings consistent with this opinion.
WELLS FARGO SWINDLE
The government program that FAILED homeowners
Chris Cooley never missed a payment on his mortgage. What followed was what most homeowners would consider a nightmare. While Cooley tried to stave off foreclosure to save his home and livelihood, Wells Fargo paid the other renters living in the property $5,000 to move out behind his back, and then denied Cooley further aid – because his income, which he drew from the rentals, was too low. “They took my income away from me, and then they couldn’t give me a loan because I had no income,” Cooley said. “What a wonderful catch-22.”
Different Versions of the Note Get Jammed
in Ohio Court of Appeals

DEUTSCHE BANK v. HOLDEN
We concluded that the inconsistencies between the indorsements contained on the submitted notes created a genuine issue of material fact that precluded summary judgment as we could not ascertain which lender possessed the note at the time the foreclosure was filed.
WELLS FARGO NOTICE FAIL: Wells Fargo REVERSED for failure to satisfy the notice requirement of section 22 of the mortgage as a condition precedent to foreclosure.
Samaroo v. Wells Fargo
"Its own mortgage specified the important information that it was bound to give its borrower in default, and it simply failed to do so."
Contrary to the dissent’s assertion, Galope’s standing does not turn on whether she actually made interest payments that were adjusted in response to the allegedly manipulated LIBOR rate. Galope’s cognizable injury occurred when she purchased the loan, not upon payment of LIBOR-affected interest.
Galope v. Deutsche Bank, Ocwen
We reverse the district court’s ruling that Galope failed to establish injury in-fact necessary for Article III standing on her LIBOR-based claims. Galope adequately alleged that she would not have purchased her loan had she known that the Defendants were manipulating the LIBOR rate. Article III standing exists when a plaintiff purchases a product she would not have otherwise purchased but for the alleged misconduct of the defendant.
TWO CENT FORECLOSURE
F or TWO YEARS, this 80-year-old woman has been in fear of losing her home to foreclosure despite never having missed a mortgage payment. Bank of America filed for foreclosure over two payments that were each one penny short. Tom Murphy: "Well, Bank of America shortchanged the payment that they were making to themselves for her mortgage."
OUCH!
$100 Million Malpractice Action Filed Against
Bryan Cave, LLP Reinstated By Ninth Circuit

The suits allege that Bryan Cave committed malpractice and breached its fiduciary duty in advising the debtors on how to conduct their business operations in light of allegations of violations of complex real estate and securities laws.

From page 12 of the TRANSCRIPT:
Bryan Cave allegedly made EFI aware of the fraudulent behavior that was going on. And the allegation is Bryan Cave said it was okay to go ahead and continue that fraudulent behavior. And the allegation is that Bryan Cave said it was okay to continue lying. What types of lies? Failing to disclose how investor money is -- without -- taking investor money without disclosing true risks, lying to investors about what projects their money was being invested in.

See also:Bank of America's Lawyer Plays Dirty, Suit Charges
Self Represented Homeowners WIN Quiet Title
to $800,000 Home

Writ of Special Execution Quieting Title in Homeowners
"That the subject property is hereby awarded to, and title quieted in favor of Plaintiffs. That Defendant SABR is permanently enjoined and prohibited from recording any documents affecting or purporting to affect title of the subject property; and, any acts or recordings now or in the future by Defendant SABR relating to the subject property shall be of no force or effect."
Sign the petition to Eric Holder:
Make Prosecuting Mortgage Fraud a Top Priority!
Court denies OCWEN's motion to dismiss
on RESPA and Breach of Contract

Justice v. Ocwen
OCWEN did not fulfill theirs when they refused to accept their payments according to the terms of the contracts, and when they unilaterally changed the terms of the contracts; and that this caused Plaintiffs damages.
Fraudulent mortgage modifier sentenced
to Nine Years in Federal Prison

Tell us this doesn't sound exactly like what the banks did:
Promised modifications, repeatedly took millions from TARP, did nothing, and then destroyed peoples' lives. (Law enforcement is telling homeowners they will not investigate anything under $5 Million? This guy didn't even get close to a million.)
State of Texas Steals $134 Million from Homeowners!
Attorney Pressures Texas to Refund
National Mortgage Settlement Funds

The Texas Attorney General's Office promptly - and indeed unlawfully - diverted most of $134 Million in settlement funds away from Texas homeowners and into, among others, the Texas Judicial Fund, to fund criminal indigent defense programs across Texas. Yet, Texas has projected a large budgetary surplus for 2014 and beyond and has given no indication regarding this budget item, that it should be replenished using the diverted funds, now or ever.
Just 83,000 Homeowners Get First-Lien Principal Reductions from National Mortgage Settlement - 90 % Less Than Promised
The book has closed on the National Mortgage Settlement, one of the most shockingly awful examples of government cowardice and corruption in recent American history.
WELLS FARGO UNDER FIRE
for Fabricating Documents to Steal Real Estate


Attorney Linda Tirelli discusses her lawsuit against Wells Fargo with Fox News. Robo-Signing is alive and well - instructions included.
Lawsuit Against California’s Robbing Homeowners of National Mortgage Settlement Funds Has Very Good Chance of Success
From Center for Economic and Policy Research:
Locking Up the Banksters: It's Not Hard
Faced the prospect of several years in prison, it is likely that many would be prepared to testify against their bosses.
Senators question Lack of Prosecutions for Mortgage Fraud
The trio asked to review the report’s findings with Holder and discuss steps the agency will take to improve its efforts to prosecute the crimes.
Hundreds of Justice Department Attorneys Violated Professional Rules, Laws, or Ethical Standards
Administration Won’t Name Offending Prosecutors.
In the majority of the matters—more than 400—OPR categorized the violations as being at the more severe end of the scale: recklessness or intentional misconduct, as distinct from error or poor judgment.
The Public DEMANDS Criminal Prosecutions!
A Loan Fraud War That’s Short on Combat
Here is one of the report’s conclusions: “We found that, despite public statements by the Financial Fraud Enforcement Task Force and the department about the importance of pursuing financial fraud cases, including mortgage fraud, the F.B.I. Criminal Investigative Division ranked complex financial crimes as the lowest of the six ranked criminal threats within its area of responsibility, and ranked mortgage fraud as the lowest subcategory threat within the complex financial crimes category. Additionally, we found mortgage fraud to be a low priority, or not listed as a priority, for F.B.I. field offices in the locations we visited.”
Got that? Complex financial crimes were the lowest priority for the criminal investigative division.
Breaking News:
Pro-se in Phoenix wins a six year battle with Deutsche Bank today. Deutsche Bank and the underlying Trust have been permanently enjoined from foreclosing. Court threatened lawyer for the bank with contempt of court for conduct during the hearing.
We will have more information and video of hearing next week.

California Sued Over Diversion of Money
From National Mortgage Settlement

The suit is demanding the state replace $369 million that had been earmarked to help troubled borrowers - but was used instead to pay down the state’s debt. Under California law, money placed in a so-called special deposit fund can be transferred to the state’s general fund only “if the transfer does not interfere with the object for which the special fund was created and the transferred amount is repaid when feasible.” It is not clear how many other states could file similar lawsuits, but we hope it's many.
NAAC v. CA Gov. Brown Complaint
Criminologist and former financial regulator, Professor Bill Black:
  )
This is a great piece to share with friends and who still aren’t sure why we had a crisis or are predisposed to blame it on greedy borrowers, as opposed to greedy and reckless financial services industry players.
"Remember there is no Fraud exorcist. Once it starts out a fraudulent loan, it can only be sold to the secondary market through more frauds."
Wells Fargo made up on-demand foreclosure papers plan
According to court papers, the 150-page Wells Fargo Foreclosure Attorney Procedures Manual details “a procedure for processing [mortgage] notes without endorsements and obtaining endorsements and allonges.” If the allegations in Tirelli’s court filing are true, this manual represents the first time ‘ta-da’ endorsements are “being described and admitted to be a procedure” at a major bank.”
Wells Fargo Foreclosure Attorney Procedure Manual
h/t Deontos
Mortgage Investors to Send Letters on Ocwen ‘Servicing Abuses’
“The Association of Mortgage Investors are currently reviewing action against a number of servicers for their actions that have been harmful for both investors and borrowers.”
Court Holds Note & Mortgage are Unenforceable
"It appears that the chain of title of the Note was not properly proved and therefore the party entitled to enforce the Note is not the Appellant. As neither a holder of the Note nor a non-holder with the rights of a holder, Vanderbilt cannot enforce the Note. Because “a mortgage is valid and enforceable only if the underlying debt continues to be an enforceable obligation,” the Mortgage is no longer enforceable under Kentucky law."
from Weidner Law
Judge's Foreclosure Bench Book
The filing of a forged document warrants disbarment. The Florida Bar v. Hall, 49 So. 3d 1254, 1259 (Fla. 2010)
Complaints to the Bar should bring forged documents by the truckload.
The handbook is full of [mis]information.
2012 REPLAY:
Homeowners, advocates want bank reps JAILED
for Foreclosure Fraud

Powell was about to lose his home when he saw a 60 Minutes report in 2011 that blew the lid off the industry's big secret. The report revealed banks used phony documents to push people out of their homes. The documents were apparently created because banks lost the original documents during Wall Street's securitization process. Bank attorneys and foreclosure firms then willfully forged the documents.
Wells Fargo to pay $3 million for ‘shocking’ foreclosure
Wells Fargo foreclosed on the family home despite the accidental death insurance policy the bank sold his father along with the mortgage – conduct an Albuquerque judge said was so "shocking" and “highly reprehensible” she slapped the company with a judgment awarding the Dollens estate $2.7 million in punitive damages.
Clerks dispute with lenders headed to U.S. Supreme Court
Our highest court will be the next stop for a lawsuit that accuses some of the country’s largest banks and mortgage firms of plotting to avoid filing real estate transactions in Louisiana parish clerk of court offices, costing the clerks tens of millions of dollars in fee revenue.
JPMorgan whistleblower gets $63.9 million in mortgage fraud deal
JPMorgan admitted that for more than a decade it submitted thousands of mortgages for insurance by the FHA or the Department of Veterans Affairs that did not qualify for government guarantees.
Chase Class Action Force-placed Insurance Information
Who Is Included in the Settlement Class?
The Settlement Class consists of all borrowers in the United States who, between January 1, 2008 and October 4, 2013, were charged by the Chase Defendants as insureds or additional insureds under a hazard lender-placed insurance.
We're Back. Petition to U.S. Supreme Court:
Should Foreclosure Fraud Be Allowed to Continue In Florida Courts?
We all know that consumers continue to suffer gross abuses at the hands of the banks and a court system which has largely reached the conclusion that banks must be rewarded with Final Judgments of Foreclosure no matter what the facts.
Petition in Rodriguez v. BONY
How much time will the foreclosure-mill lawyers get?
Bucks lawyer gets year in prison for mortgage scheme
According to the indictment, the defendants targeted financially distressed homeowners facing foreclosure, falsely promised them help in saving their homes, engaged in real estate transactions with straw purchasers, and obtained dozens of fraudulent mortgages. The defendants took whatever equity the homeowner had left, funneled it through various shell corporations they controlled, used some of it to pay the new mortgages, and kept the rest.

The biggest investment most Americans will make is now the target of the biggest financial crimes in history and labeled:

"The Perfect Crime."

When fully exposed, this will make Enron look like a parking ticket.

- MSFraud 2003 -

From the 2005 transcript of hearing in MERS v. Cabrera

"It truly concerns me, however, that thousands and thousands -- thousands and thousands of mortgage foreclosure actions have been filed with these allegations. I am not certain what remedy, if any, these people would have were it to be determined that MERS was not ever the proper party notwithstanding that these folks [might] have been in default what their recourse, if any, would be. I'm not certain with the satisfaction of mortgages that have been filed on behalf of MERS how good those are and I am not certain how good title to property is that people bought at these foreclosure sales if it turns or becomes established that MERS was indeed not only not the right party but misrepresented by way of their pleadings and affidavits that they held something they didn't own, so I'm not certain of the consequences but it seems vast."
- The Honorable Judge Jon Gordon - September 2005 (Emphasis added)


PAST HEADLINES



Latest Posts to The Forum






Required reading for judges and should be cited to in every brief.
FORECLOSURES SKYROCKET
Not a single family who had their house illegally seized by the banks were returned to their home.
FORGED SIGNATURE WIPES OUT MORTGAGE


Max Gardner's Dirty Dozen Rules for Ownership of the Mortgage Note
WHEN ATTORNEYS FIGHT
JUDICIAL CORRUPTION

Free Online book
Florida’s Kangaroo Foreclosure Courts: Judges Denying Due Process on Behalf of Banks
The Banks Lost the Notes:
This is no Joke!

Max Gardner's Top Tips for
Fake Mortgage Documents

Homeowner Suffers Horrific Injustice
at the Hands of JPMorgan Chase

QUIET TITLE ACTIONS - PART I & II


Max Keiser interviews former Asst. Secretary of Housing Catherine Austin Fitts
at counter 12:48 & 19:30
When mortgages were offered there was fraud in the inducement, fraudulent securitization, and then fraudulent foreclosures.

Tracking Financial Crisis Cases


How to Reverse a Home Foreclosure Sale







The 2008 Crisis was Avoidable


Obtaining Due Process in Non-Judicial Foreclosure States


FORECLOSUREGATE: It's FRAUD




HOW TO FIGHT TO SAVE YOUR HOME


Mortgage Banking Licensee List - Servicers Only


UNBELIEVABLE FORECLOSURE STORY!


Foreclosure Case Killer- The Subpoena Duces Tecum


The Sidebar | What is an Assignment of Mortgage


Access to Justice: Opening the Courthouse Door


Following Up On Foreclosures


Getting Back Your Home AFTER Foreclosure Sale


WHO CAN LEGALLY ENFORCE A MORTGAGE AFTER A “LANDMARK” CASE?


Finding the Fraud in the Loan Documents

The GSE Business Model is FATALLY Flawed


DOUBLE FUNDING, FABRICATION OF DOCUMENTS AND FORGERY OF SIGNATURES REVEALED


Basic Foreclosure Litigation Defense Manual


FORECLOSURE DEFENSE 101


HOW THE FBI BLEW IT


The Banks and Our Government continue to cover up the FRAUD


SHOW SOME OF THAT GOOD OLD AMERICAN OUTRAGE!: DON’T LEAVE YOUR HOME, STOP BLAMING YOURSELF FOR WHAT YOU DIDN’T DO, AND TAKE RESPONSIBILITY FOR WHAT YOU CAN DO — KEEP YOUR HOME!!!


Federal Reserve is a Ponzi scheme.


Read This If You Are Facing Foreclosure




» MERS has Destroyed the Chain of Title in America

» U.S. Bank Admits MERS Does NOT Have Authority to Assign Note

» States Fight Back Against MERS Foreclosure Fraud

» Merscorp Lacks Right to Transfer Mortgages, Judge Says

» New York continues assault on MERS

» WHEN IS FORECLOSURE THEFT?
WHEN THE MORTGAGE IS RECORDED AT MERS

» Pictures Of MERS, Part 1: Corporate Documents Illustrate The Mortgage Shell Game

» MERS Consent Cease and Desist Order

» The Meaning of MERS

» The MERS Fifty Million Mortgage Meltdown

» MERS is NOT licensed in California

» How MERS Toasted the Banks

» MERS: A Survey of Cases Discussing MERS’ Authority to Act.

» NY Class-Action against MERS, Baum & HSBC

» MERS is a SHAM says judge in 2005

» Stern-MERS Class-action

» MERS Twilight Zone

» MERS was not authorized to assign anything.

» Search MERS to see if the owner or investor of your note is listed.

» MERS 101

» MERS Depositions

» MERS 2010 Deposition

» EXCELLENT MERS ANALYSIS: ILLEGAL SCHEME TO AVOID/EVADE STATE LAW, TAXES, FEES, FINES, PENALTIES

» MERS and CITI are not Real Parties in Interest

» MERS Admits NO Interest in Mortgage and No Loss On Default

» A Florida Solution to the MERS Mortgage Foreclosure Crisis & Fiasco and why Every Foreclosure of a MERS Mortgage done in Florida deserves to be REVERSED.

» How to Attack MERS and WIN!

» Has A MERShole Opened Up?

» MERS does not have standing

» MERS - relief from stay Denied

» Kansas Supreme Court Knocks Out MERS

» Nevada BK Court Knocks Out MERS

» MERS loses again. This time in Texas

» MERS loses in Idaho

» MERS Accused of Illegal Shortcuts to Speed Foreclosures

» The MERS Experience

» MERS Affidavits (Girdvainis case)

»Supplemental Order (Girdvainis case)

» MERS 2005 hearing transcript in Cabrera

» Why You Don't Owe The Money

» Obtaining Due Process in Non-Judicial Foreclosure States

» ABUSIVE LENDERS AND BROKERAGES THAT FINANCE THEIR DEALS

» 99 YEARS for Mortgage Fraud

» Show Me the Original Note and I Will Show You the Money

» The Lack of Evidentiary Foundations Fosters Fraud

» Transforming Homeowner Violence Into A Mortgage War Plan

» Protest stops eviction by Bank of America

» Jury awards couple $10.6 million in bank case

» Jury gives woman $1.25M in lawsuit over mortgage

» $3.4 Million Dollar Jury Verdict For Wrongful Foreclosure

» EMC Mortgage/JPMorgan Chase cleans out the wrong house!

» The CRIMINAL Case against BEAR STEARNS begins

» Who Owns My House?

» Mortgage fraud --the worst crime no one's heard of

» Supreme Court rules that campaign contributions can create perception of judicial bias

» Dozens of Cases Rolling in from Bankruptcy and Civil Courts Reversing Foreclosures,Evictions

» Misbehavior and Mistake in Bankruptcy Mortgage Claims

» 25 People to Blame for the Financial Crisis

» Have you been hurt by EMC Mortgage Corporation? You are not alone...

» Responding To The Foreclosure Crisis

» FTC check for EMC's ILLEGAL Practices

» Bear Stearns and EMC Mortgage to Pay $28 Million to Settle FTC Charges of Illegal Mortgage Servicing and Debt Collection Practices

» Bear Stearns & EMC Agree to Pay $28 Million in Settlement...but what about the homeowners who lost their homes due to EMC's fraud?

» BRINGING DOWN BEAR STEARNS

» The Housing and Economic Recovery Act of 2008 - Catherine Austin Fitts

» SCHUMER

» Predatory Lenders' Partner in Crime - How the Bush Administration Stopped the States From Stepping In to Help Consumers

» Appeal of Ocwen Loan Servicing, LLC, and Moss, Codilis Stawiarski, Morris, Schneider & Prior

» UNITED STATES SECURITIES AND EXCHANGE COMMISSION BEING CHARGED WITH NEGLIGENCE IN MORTGAGE INDUSTRY

» Judges as Criminals - Circuit Court a Criminal Enterprise

» AG Swanson wants criminal penalties for unscrupulous lenders

» Firm ordered to end lending practices

» Losing Ground - A Report

» NIGHTMARE MORTGAGES

» FANNIE MAE FACADE

     - Consent Order


» More Mortgage Lenders Targeted!

» The OCWEN Story

» EMC Mortgage investigation

» Ameriquest to Pay $325 Million

» Limiting Abuse and Opportunism by Mortgage Servicers.

» Has Predatory Mortgage Servicing Destroyed the American Dream?

» Order Regarding Standing of MERS to Foreclose on Behalf of Others.

» Federal Judge Says Legal System Corrupt Beyond Recognition.


YOU ARE NOT ALONE!





Robo-signed mortgage docs date back to late 1990s


John Hancock Life v. JPMorgan, EMC Mortgage, Bear Stearns


It is well enough that people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning. Henry Ford - 1922


If our efforts help you, please









"What they are doing to these people is despicable, and it is absolutely wrong."

Senator Barbara Mikulski (D-Md) - 2003

"The bank had engaged in "harsh, repugnant, shocking and repulsive" treatment of the homeowner"

Justice Spinner - 2009

"Nevertheless, Fairbanks in a shocking display of corporate irresponsibility, repeatedly fabricated the amount of the Debtor's obligation to it out of thin air. There is no other explanation for the wildly divergent figures it concocted."

2002 WL 1586325 (Bankr.D.Mass.- 2002)

The arbitrator found EMC's conduct "reprehensible and outrageous and in total disregard of (the Starks') legal rights."

(Kansas City Star -2004)

Wells Fargo’s actions were not only highly reprehensible, but its subsequent reaction on their exposure has been less than satisfactory. There is a strong societal interest in preventing such future conduct through a punitive award.

Jones v. Wells Fargo (2012)

"If the American people ever allow private banks to control the issuance of their currency, first by inflation and then by deflation, the banks and corporations that will grow up around them will deprive the people of all their property until their children will wake up homeless on the continent their fathers conquered. ...I believe that banking institutions are more dangerous to our liberties than standing armies... The issuing power should be taken from the banks and restored to the people, to whom it properly belongs." and “The democracy will cease to exist when you take away from those who are willing to work and give to those who would not."- Thomas Jefferson


"The limits of tyrants are prescribed by the endurance of those whom they oppress.” - Fredrick Douglas