- the servicer, who has a back room employee who paid $25 to become a MERS signing officer
- the attorney representing the bank has a back room employee who alos did the same thing
- a document processing company was paid by either the servicer of the lawyer to have their back room employee sign off as a MERS designated officer.
Tuesday, July 26, 2011
check your MERS assignments
odds are, the assignment from MERS to whoever is trying to take your property came from:
Thursday, July 21, 2011
the fraud, in laymens terms
the fraud is simple. lie to the homeowner, lie to the investor, pocket the fees involved, cover it up.
first, your lender wasnt your lender. your mortgage may say lender "a" is your lender, but thats the first in many lies youve been told. a closer look at where the funds came from, something your closing lawyer will not tell you, reveals the source of the funding was someone entirely different than the lender recited in your mortgage.
second, the investors were told the shares they were buying were backed by your mortgage, and thousands of others, that were in the pool and guaranteed a return on their invest. the pools never possessed the mortgages and therefore guaranteed the investor nothing. your mortgage was probably pledged to mulitple pools and none of them legally possessed it.
third, this was all fine and dandy until people started to default on their mortgages. then, because they didnt validly own the mortgages, the securitized trusts together with the mortgage servicers, hired foreclosure mill attorneys who would then fabricate assignments to the trust or outsource the dirty work to an outside company. in either case, a mers designated officer was needed to make the assignment so either the attorney or the outsourced company would have one of these people on their staff. with the stroke of a pen, these companies gave standing to the trust by forging an assignment of mortgage in the name of mers and recording it in your county. these people arent paid by mers and do not work for mers. they work for the company trying to steal your property. its a scam. plain and simple.
this fraud upon homeowners is being committed to cover up the fraud they committed on the investor who bought shares of their empty mortgage pools. most people never question the validity of the foreclosure because they know they are behind on their payments and figure the documents are legitimate. most homeowner walk away. the banks are counting on this. if you never question it or look at the questionable documents they are using, the bank gets a free house and covers up the fraud on investors. this is a simple and effective way to steal your property.
dont be fooled. question everything. odds are your real lender went belly up many years ago and never validly conveyed anything to anyone. thats why the banks, servicers and foreclosure mills are resorting to forgery and fraud. they have to. they have no choice. if they dont then they have to tell the investors why the shares they bought are backed by nothing. the lenders would have to answer for securities fraud and pay every penny back to the investors. if they fill the mortgage pool with foreclosed properties then it looks good on paper. the investor assumed the possible risk that the mortgages may default and they could lose their shirt. if the mortgasges performed they got repaid plus some for the investment. the investors didnt assume the risk that the mortgages were never in the pool to begin with and therefore couldnt do anything but fail, and thats what the banks are covering up. the pooling and servicing agreements specifically spell out when a mortgage can or cant be deposited into the securitized trusts. all of the assignments i have seen are many years after they were allowed to be assigned into the trust, meaning the assignment is bogus and the trust doesnt legally own your mortgage and isnt entitled to repayment or to foreclose on your house.
smoke and mirrors people. to put it bluntly, its a big pile of shit the banks are shoveling on everyones shoes.
i am not an attorney, take what i say with a grain of salt and HIRE A LAWYER, GET YOUR TITLE EXAMINED AND FIGHT FOR YOUR RIGHTS....
first, your lender wasnt your lender. your mortgage may say lender "a" is your lender, but thats the first in many lies youve been told. a closer look at where the funds came from, something your closing lawyer will not tell you, reveals the source of the funding was someone entirely different than the lender recited in your mortgage.
second, the investors were told the shares they were buying were backed by your mortgage, and thousands of others, that were in the pool and guaranteed a return on their invest. the pools never possessed the mortgages and therefore guaranteed the investor nothing. your mortgage was probably pledged to mulitple pools and none of them legally possessed it.
third, this was all fine and dandy until people started to default on their mortgages. then, because they didnt validly own the mortgages, the securitized trusts together with the mortgage servicers, hired foreclosure mill attorneys who would then fabricate assignments to the trust or outsource the dirty work to an outside company. in either case, a mers designated officer was needed to make the assignment so either the attorney or the outsourced company would have one of these people on their staff. with the stroke of a pen, these companies gave standing to the trust by forging an assignment of mortgage in the name of mers and recording it in your county. these people arent paid by mers and do not work for mers. they work for the company trying to steal your property. its a scam. plain and simple.
this fraud upon homeowners is being committed to cover up the fraud they committed on the investor who bought shares of their empty mortgage pools. most people never question the validity of the foreclosure because they know they are behind on their payments and figure the documents are legitimate. most homeowner walk away. the banks are counting on this. if you never question it or look at the questionable documents they are using, the bank gets a free house and covers up the fraud on investors. this is a simple and effective way to steal your property.
dont be fooled. question everything. odds are your real lender went belly up many years ago and never validly conveyed anything to anyone. thats why the banks, servicers and foreclosure mills are resorting to forgery and fraud. they have to. they have no choice. if they dont then they have to tell the investors why the shares they bought are backed by nothing. the lenders would have to answer for securities fraud and pay every penny back to the investors. if they fill the mortgage pool with foreclosed properties then it looks good on paper. the investor assumed the possible risk that the mortgages may default and they could lose their shirt. if the mortgasges performed they got repaid plus some for the investment. the investors didnt assume the risk that the mortgages were never in the pool to begin with and therefore couldnt do anything but fail, and thats what the banks are covering up. the pooling and servicing agreements specifically spell out when a mortgage can or cant be deposited into the securitized trusts. all of the assignments i have seen are many years after they were allowed to be assigned into the trust, meaning the assignment is bogus and the trust doesnt legally own your mortgage and isnt entitled to repayment or to foreclose on your house.
smoke and mirrors people. to put it bluntly, its a big pile of shit the banks are shoveling on everyones shoes.
i am not an attorney, take what i say with a grain of salt and HIRE A LAWYER, GET YOUR TITLE EXAMINED AND FIGHT FOR YOUR RIGHTS....
Tuesday, July 12, 2011
i spoke with my registrar of deeds...
its amazing the amount of nonsense one must go through to get a question answered in this state. i called my registrar. the personal was pleasant and as helpful they could be. the problem i have is this, i asked what my registry was doing in response to john obriens audit of his registry over in souther essex county. i was blown away by the answer, and i have to laugh. they are doing nothing. i was told they are on alert, but they cant reject any rec ordings even if they suspect it is fraudulent.
these are the questions i asked:
what do you do if you suspect that documents being presented to you are fraudulent or who do you report it too?
heres nothing we can legally do, we accept them for recording
who do i report it to? i know there are fraudulent docuemtns in my chain of title.
have you called the attorney general?
yes i have called the attorney general and they will do nothing.
have you called h.o.p.e. for homeowners?
yes but i am not looking for a modification, i am looking to pursue the fraud in my chain of title.
have you called the land court?
yes, but they cant do anything.
have you consulted an attorney?
yes i have consulted an attorney but right now i cant afford one. so i am trying to get my government to do its job and protect its citizens from fraud.
i am looking at your title and yes you are right, there are several major gaps in your chain of title and also parties claiming things that are not reflected in your chain.
i know this, there are several fraudulent documents in my chain fo title and i am askig if there is anything you can do to help with that?
have you called the attorney general since john obrien started bringing attention to this?
yes i have, they said they cant do anything.
and youve consulted a private attorney?
yess!!! geez.
im sorry sir but i cant do anything, all i can do is accept what is given to us as accurate and record the documents. you need to consult an attorney about this.
WHAT??
so here i haqve another government agency basicly telling me that fraud is okay when the banks do it. there are no measures in place to stop it, even after all of this has come to light.
the people who should be protecting us from this bullshit are still sitting on their hands with their head turned hoping it all goes away. this is disgusting.
these are the questions i asked:
what do you do if you suspect that documents being presented to you are fraudulent or who do you report it too?
heres nothing we can legally do, we accept them for recording
who do i report it to? i know there are fraudulent docuemtns in my chain of title.
have you called the attorney general?
yes i have called the attorney general and they will do nothing.
have you called h.o.p.e. for homeowners?
yes but i am not looking for a modification, i am looking to pursue the fraud in my chain of title.
have you called the land court?
yes, but they cant do anything.
have you consulted an attorney?
yes i have consulted an attorney but right now i cant afford one. so i am trying to get my government to do its job and protect its citizens from fraud.
i am looking at your title and yes you are right, there are several major gaps in your chain of title and also parties claiming things that are not reflected in your chain.
i know this, there are several fraudulent documents in my chain fo title and i am askig if there is anything you can do to help with that?
have you called the attorney general since john obrien started bringing attention to this?
yes i have, they said they cant do anything.
and youve consulted a private attorney?
yess!!! geez.
im sorry sir but i cant do anything, all i can do is accept what is given to us as accurate and record the documents. you need to consult an attorney about this.
WHAT??
so here i haqve another government agency basicly telling me that fraud is okay when the banks do it. there are no measures in place to stop it, even after all of this has come to light.
the people who should be protecting us from this bullshit are still sitting on their hands with their head turned hoping it all goes away. this is disgusting.
orlans and moran robo-signing? say it isnt so!
http://michiganmessenger.com/50675/orlans-robo-signing-allegations-drawn-concerns-from-lawmakers-activists
i have been saying this all along. we'll call it an allegation, but i have a funny feeling this is gonna go much deeper now that the lid is off. i have documents signed by a sarah hargrove who purports to be an assistant vice presidnet of mers, but she really works for orlans and moran in their troy michigan office. orlans has people like ms hargrove create assignments from miss hargrove acting in her mers capacity to their clients, and voila, orlans clients have standing to foreclose by virtue of that assignment. they even have in house notaries who sign off on the docs as well. its a total scam and if it isnt illegal it should be. imagine a world where attorneys were allowed to have backroom employees manufacture any evidence they need for the benefit of their clients.. its bullshit it what it is. its the same as me having an acquaintance sign off on a discharge of mortgage and claiming its valid. it would never stand up in a court of law, and neither should these bogus assignments or docs manufactured in their back room.
i have been saying this all along. we'll call it an allegation, but i have a funny feeling this is gonna go much deeper now that the lid is off. i have documents signed by a sarah hargrove who purports to be an assistant vice presidnet of mers, but she really works for orlans and moran in their troy michigan office. orlans has people like ms hargrove create assignments from miss hargrove acting in her mers capacity to their clients, and voila, orlans clients have standing to foreclose by virtue of that assignment. they even have in house notaries who sign off on the docs as well. its a total scam and if it isnt illegal it should be. imagine a world where attorneys were allowed to have backroom employees manufacture any evidence they need for the benefit of their clients.. its bullshit it what it is. its the same as me having an acquaintance sign off on a discharge of mortgage and claiming its valid. it would never stand up in a court of law, and neither should these bogus assignments or docs manufactured in their back room.
Monday, July 11, 2011
theres nothing unethical about not disclosing who the real lender is at closing??
this is what the bbo told me. they also told me there is nothing unethical about an attorney not disclosing who the real lender is at a real estate closing. thats right. because the lawyer represents the bank, he/she doesnt have to tell you who the real lender is. the lender could be an entirely different entity than that listed as "lender" on the mortgage. the lender named on the mortgage is bullshit. a strawman paid a fee to sit in on the closing and screw you before everyone else gets their turn. unbelievable. what happened to truth in lending? so now the real lender isnt represented in the closing docs, mers is the mortgagee even though they didnt loan a dime in connection with the transaction, and you dont know one thing from another because all the real info is hiding behind mers and attorney/client privledge. im lost, is anyone else? i thought there were laws protecting us from this type of nonsense?
lets share some ideas
everything from writing our reps, senators, governors and filing class actions. lets make some noise while people are starting to listen.
Are the banks trying to steal your house?
GMAC mortgage pretended to modify my loan. by pretend i mean they werent my lender or holder of the mortgage. the real lender went bankrupt 3 years earlier and no longer existed. so i listened to GMAC, and modifed my loan. as it turns out the loan mod is an affirmation that i owed GMAC money, which i didnt, but GMAC got me to sign by lying to me. so now that GMAC has the bogus debt in their hands, signed by me and my wife, their attorneys (orlans and moran) assigns it to a securitized trust who then starts foreclosure on us. did you catch that? "ORLANS AND MORAN ASSIGNS IT TO....", that right. the attorney has an employee on its staff who just also happens to be a MERS assiStant vice president pursuant to corporate resolution. wow, thats awfully convenient, aint it? so now this firm can create any mers assignments it needs for its clients with the stroke of a pen. who needs real evidence when you can just make shit up for your clients? and why not? Massachusetts is a non-judicial foreclosure state and anything they throw in front of the judge is going to get rubber stamped. this is the perfect state to steal and steal and steal because no one is going to catch you or ask questions. This is why the non-judicial foreclosure system we have needs to go. Homeonwers have no recourse in the land courts. you cant even challenge the allegation that you are behind on your mortgage nevermind whether or not the lender trying to foreclose is the real lender.
HOMEOWNERS HAVE NO RIGHTS IN MASSACHUSETTS LAND COURTS WHEN IT PERTAINS TO FORECLOSURE.
ITS TIME FOR CHANGE.
THIS CAN ONLY HAPPEN WHEN ENOUGH OF US GET TOGETHER.
SIGN UP AND JOIN THIS BLOG. JOIN THE FORECLOSURE REVOLUTION.
LETS GET THE BALL ROLLING.
HOMEOWNERS HAVE NO RIGHTS IN MASSACHUSETTS LAND COURTS WHEN IT PERTAINS TO FORECLOSURE.
ITS TIME FOR CHANGE.
THIS CAN ONLY HAPPEN WHEN ENOUGH OF US GET TOGETHER.
SIGN UP AND JOIN THIS BLOG. JOIN THE FORECLOSURE REVOLUTION.
LETS GET THE BALL ROLLING.
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