Countrywide

20081020-countrywide-stipulated-judgment-and-injunction

99 Responses

  1. Beleive it or note Ford Motors is stelaing alot of properties as well. Be very careful to be clear on the research your doing. Be detailed with signatures. Dominique Johnson is part of a Non Profit Organization that is set up with JPMorgan. I have found this person with a fake profile listed at Bowdion College. African American however this is just a front. She is hispanic and a student who works for a non profit organization raising awareness . Staley whom is VP- Asset management @ JPMorgan is on the Board of directors at Bowdion College and previous student as well. He also operates a non profit called the Robinhood oganization. Uhmmmm……… Domique Jphnson is an Alias used for JP Morgan Only. The link between the two are this … they pay no taxes on the properties they steal from you running it under the non profits , Citibak JP Morgans new Asset manager is from Bank of America. They are clearly dumping these loans on JPMorgans books. Aftr all they can since they were just in troble , they can cover these.

  2. Make certain you check all documents such as any correspondence. Usually this is not the right party. Take a close look and make certain you check every name , phone number and also you might want to make certain you check the transfer from country to boa. They are so lazy they will only have one signature which is Michelle Sloanders. There should be two. Then check this agains the recorders change of the assignements to MERS. Also check on this the signature os the signer for the Bank. Make certain this is their signature. If you find any deviation of the signatures start wondering if in fact this is not a pretender lender.

    On Wed, Mar 20, 2013 at 10:30 PM, Livinglies’s Weblog wrote:

    > ** > Clista Stevens commented: “All these hipes and yet it seems the banks > are buying their way out of everything you see and hear about. This system > is not true justice it is a bought out system from ground up, yet I must > admit I have recently filed a pro se case against 18 parties and” >

  3. All these hipes and yet it seems the banks are buying their way out of everything you see and hear about. This system is not true justice it is a bought out system from ground up, yet I must admit I have recently filed a pro se case against 18 parties and feel confident I have a solid case but am scared as hell trying to defend it on my own. Haven’t been able to find a lawyer as I do not have a ward of cash to lay on a lawyers desk so I had no choice but pursue myself. Will I win?? Only time will tell. Origin with Countrywide and have paid interest only for 7 years. They will not work a modification and will not negotiate a pay off yet there was a “life estate” interest on the deed and they never had all parties of interest signatures. I am in hopes I get a true Judge who cares about the rights of people and not big banks.

  4. WHY DON;T YOU TWLL THESE PEOPLE THE SIMPLE TRUTH ???
    THEY WILL NOT WIN THE SYSTEM IS IN PLACE TO STOP OR SURPRESS DUE PROCESS. THE ATTORNEYS ARE PART OF THE EQUATION. THERE IS NO FAIRNESS AT ALL. THEY DO NOT NEED THE NOTE OR THE DEED ANY LONGER , BECAUSE YOUR CASE WILL NOT GET THAT FAR. THE JUDGES ARE NOT INTERESTED IN THE LAW ,JUST YOUR HOME ????THEY WILL NOT ABIDE BY THE LAWS THAT SHOULD GOVERN ALL OF US HOWEVER, THE COURTS WILL PROTECT CHASE BANK WITH BLANTANT FRAUD IN FRONMNT OF THEM CLAIMING THERE IS NOTHING WRONG WITH ROBO SIGNERS , FRAUDULENT NOTARIES , INVALID TRANSFERS WHICH DOES NOT SHOW THE TRANSFERRING BANK AND OH WAIT WHEN YOU HOLD THE ORIGINAL DEED. TELL THESE PEOPLE THE SIMPLE TRUTH !!!!!!!!!! YOU WILL GO TO COURT FEELING YOU HAVE A CASE THE ONLY PEOPLE GETTING INTO THE COURTS AND THE ATTENTION OF THE JUDGES ARE THE REAL ESTATE AGENTS. ITS ALL OWNED BY BERKSHIRE HATHAWAY . THE COURTS PROTECT JPMORGAN DISPITE WHAT THE MEDIA STATES . ITS ALL SONG AND DANCE BELEIVE IT !!!!!!!!!!!!!

  5. They seem to do everything by withour recourse. i dont know what this really means however,it appears this has to do with insurance. Not certain about that. They seem to like to commit fraud.

  6. I have two loans which DO NOT HAVE A REMIC NUMBER.
    I am of the belief I was a target from the very beginning of the loans.I also beleive the certificate holders are residence of St.Louis and it is my beleif they are the……… Brothers.
    Yes, no remic numbers listed anywhere. I hold the actual Original Deed to the home that was foreclosed upon. I also have one of the Deeds to the other home. Broken chaim of title. My only guess is simply someone at the Titile Companies was part of the fraud. The other issue is when I began to get harrrassed it was the …….Brothers. Their Ex realEstate manager is…… Jones whos daughter just made Treasurer for the City. Well deserved however, there is more to it,.., The ……. brothers were investing with the employer when the loan was taken out. In the beginning of the housing downturn 2004.
    I was terminated without cause after 12 years. After seeking employment i then went to work for a Company in Illinios that turned out to be part of the Ponzi scheme. The Company works for bankrupcy attorneys, insurance companies , foreclosure mills and Real Estate agents as well investors. The New CEO is the president of Credit Control and Express Schools, The deal is once the home is in foreclosure, they then process the insurance. Very Smart. I bet Warren never really stated this. However, this is part of the structure that Warren Buffet swears by,
    So Bankrupcy is a very viable business. I never said anything.Just did my job of course. I was terrorized by these people, it all began to become really heavy in 2009 right after Homeland Security conducted all the training in the building. There is much more to this of course however, the page is not long enough to the fraud they have placed upon me. The Breaking and entering is nothing. The media will not report this at all. I learned the endorsement of the ” Note ” Blank sheet of paper was of Ed Fisher and Cliff Cotton , these are both alias for JPMorgan. I found this was Washington University and Universal health Center ( Colorado)irector of this company. These were both stamps used. I am so unnerved by this all however , this is a mess in the Bankrupcy courts.
    They pushed me into bankrupcy because I refused to sign a fraudulent Modification agreeement. Inflated principle, missing payments. I was then terminated however, I forgot to add they were business partners of these Brothers. I have found many things about money which is simply just not right. Anytime you can just committ fraud without one word is simply amazing. Visit the facebook page and find the created documents. I have a hard time stating these things because they do seem so unreal. Oh the Judge is a graduate of Washington University, the Presiding USTrustee is a family friend and a investor of these Brothers, My ex employers sister is listed on the USTrustee which presides over the midwest profile page twice. Once as the Assistant to Bryan Cave and again as Wellfargo processor, His cousin is listed as Realtor , and family friend is listed as an assistant. You think this is a BOOK?
    stayinyourhomecitywide.

  7. THERE IS NOT ONE REMIC NUMBER STATED ON THE CONTRACT WITH COUNTRYWIDE ?????

  8. The Courts as in Bankrupcy courts are comitting much crime themselves. StLouis Fedeeral Bankrupcy Courts are located only steps away from the secured building of Bank of America. This is where all the fraud is taking place to steal your property. The re-Affirmation Agreements are created here with many forged signatures of alias that only represenCorporations, For instance , Ed Fisher and Ciff Cotton is representing JP Morgan (Chase ) as I unravel the fraud it appears the culprites have family member whom work for the County Civil Courts and for Chase Bank in Chesterfield, Mo. They re all networked with one Replacement Services, LLC , the new CEO of replacement Services is Steve Wideman also President of Credit Control, the new COOExpress Schools which by the way are Claims Adjusters and financial advisors School. This all goes hand in hand. They sold my home without my knowledge to a facilated foreclosure to one THF investor which is a Stan kroenke Company. The Courts are deposing of property to Rescap which is of course no other than Berkshire Hathaway which also in truth owns Replacement Services. They do not own them on paper yet however, they will allow them to process the fraud and once they are done exhausting that they will Bankrupct the Company and then purchase throught the courts
    There were two signers on the endorsed Note one of Ed Fisher and Cliff Cotton. This is merley Washington University ,Mizzou and the Centene Corporation, United health centers in Coorado. There is much fraud taking place in the Courts. I filled for a tro in the civil courts and was told by the Judge Michael Jamison , There was nothing he could do . Only later to be inforrmed court was within two days by mail. The Juddge served the opposing parties and I have this coumented which is now not to be found on the records. Therefore removed from the Courts records,
    I dated a person that is part of much fraud without my knowldge initally , only to learn of the dirty dealing later, His sister works for the Courts as well as one sister working for Chase bank . When the foreclosure took place on the home , she went ot work for Chase. Now of course now that the foreclosure ois over she no longer works for the Company, I do not trust anything this person does and know her whole entire family is committing much fraud upon the homeowners,
    SYLVIA COOKE – CHASE BANK
    SISTER CHRISTIE COOKE WELLSFARGO
    STALKING SISTERS

    SEE FRAUDULENT DOCUMENTS RECREATED
    STAYINYOURHOMECITYWIDE ON FACEBOOK

  9. These articles should start with telling the truth, I think perhaps we have forgotten how to do this Nationwide.
    These foreclosures arebeing comitted by your truly the government.
    Anytime you find scrubbed documents in the recorders office that are placed on microfische there is no longer any explaination, it is someone in the Recorders office, Why don’t we just state the truth, They will surpress due process. The only people making any waves inthe Courts are the Real estate Agents, Just check the reocrds , they are in the Real Esttate industry,
    Do Not Continue to be Fooled !

  10. They are claiming property which does not belond to them. The State is alllowing the fraud because it is good for business and the Tax base as well as the Bonds that are purchased when you buy a home. I have had major fraud oncerning the non profit porganizations and the County Seat in StlOuis. Curroption does not begind to explain what is going on. The people are having their homes stolena dn say nothing ! They are made to be very quiet , The attorney Generals office know what is going on and chose to align themselved with the criminals. They see nothing , nothing wrong with this picture.
    Ask Julie Leicht why her family members Death certificate is in the Recorders office concerning my loan. They begin to harrass you and keep you under survilience with Onstar. You can clearly see this at night, Lamplights turn off once you pass by the whole nine.
    The latest thing is I checked the recorders office and a stroy was done on a woman in stlouis city. I reached out to her only to find the roberts Brothers ( Hotel Owner) were her previous employers. Ironically they are heavily invested with the People I use to work for. Replacement Services, LLC. I was terminated without cause . My paycheck was fereduced prior to my termination without my consent and simply their failure to adjust the pay accordingly. The problem with this goes back to the Glass Siegel Act. This Company is a procurement Center for Wellsfargo and other banks as well as the bankrupcy Courts. Crazy uh? Well never the less very true. They hide behind other Company names however, this is what they do.
    They are the people who will come in a place a whole in your roof , cause any and all kinds of damage to stress you out financially, The goal is to get the defective loan out of your possession and into theirs/. The Courts know this information and sanction this behavior , By any Means necessary. They are catering to the Corporations at large due to the revenue base.
    Shortly we will have two major companies owning everything. Once they are ready to take everything that you have worked for a simple push of the botton as they do with swift. This will be done to individuals. They are clearly Bankrupcting everyone. This is being done right now in stlouis. They have yu thinking because you do not know what is going on its your fault. Wrong its called corporate greed.
    I have the original Deed to my home and my attorneys failed to state there was not a secure interest in the property, I have learned at this point the endorsement of the Blank sheet of paper was clearly ……
    The Centene Corporation- Ed Fisher , Washington University head of the AP Green Foundation and founder of the Genetics department.
    The second signer , endorser is listed as Cliff Cotton whom I found to be also in the health Field – Universal Health Centers – Chiroprators in Colorado. Yours truly GODADDY.com founder is the Registered agent. This gets really cozy and fraudulent. My ex employer ownes the domain in Illinios. They all know each other and do business. Ultimately it was ny employer behind the fraudulent foreclosure. Only to find on the US Trustees list one Nancy Gargula Profile page , Cyndi Artinger – wellsfargo processor , cyndi Artinger – Bryan Cave assistant. Cyndi artinger is the sister of my ex employer.
    Well if you look at the Board of directors for Wash U it all comes together. Board member is one of the Founders of Bryan Cave in StlOuis as well.
    Express Scripts has moved into the are that I resided as well we find Reed , listed for Express Scripts on the COO profile page of Steve Wideman o Replacement Services -as well as Reed realty purchasing the home. They have set up all kinds of fraud. The greatest problem with all of this is the Centene Corporation is a Government Partner of the health Care Bill going into effect next year.
    Both partners are listed as the endorsers of the Note. We are dealing with a web of deception by all means. Due Process is being surpressed in the Courts and by the Clerks that are behind the Counters. They are redirecting Mail, email and phone calls. I found the Attorney Generals Office os part of this fraud as well. Cary Ahart also from illinios. All of these people are pretty much from the State of Illinios.
    Steve Wideman Operates Credit Control and other Debt Collection Companies, Partners with Citi Bank as well. COO of Express schools which focus on Insurance and financial classes.
    Judith Belanger who is listed as one tof the most Notorious MERS characters , I have met without knowing this is what she does. I was told she works in Banking however, her profile profest she is a Nurse, Her son who is Ethan Belanger – Executive of the Private bank. This would mean Wellsfargo. Judith Belanger is the owner and operator of Cornerstone Mortgage . This is were they are refinancing a loan that does not exist. There is not one attorney in the State that will represent to the hoemowners. The Mortgage bankers Association is trying to change the current laws which will remove the laws governing Real estate. Theya re stating we must get on with this and let the new owners get in.
    what ? someone tell me how is this right! Need an attorney for the State of Missourri.

    ************ Stayinyourhomecitywide.

    We have shown the fraud and the documents concerning the County executives.,

  11. These loans are in a suspended trust. There is not one note or one deed. The state officials know this information. They are jsut waiting to foreclsoe pretending it is the banks. They are currently resecuritizting these loans waiting for your default to happen.

    ** Better start looking at the top.

    You elect each one of these individuals in office. if this was so right why not just take the home in the name of the governement ,
    because it is all illegal.
    First we had cash for Clunkers ( auto industry )
    not we have the educational sytem , sorry however, true. take a look at the board members

  12. Hello,

    If you are going thru a fraudulent foreclosure with Bank of America aka Countrywide please feel free to email me with the name of the endorser of the Note if this is available , MERS assignment , ame of the bank avp, notarizer and if you a a scanned copy this would be great. I have gone through this myself and must say I have found forgeries for Dominique Johnson which appears to be a forgery of one Stonebridge Investor in St.Louis , Bank of America’s Bank President – Forged letter of one StoneBridge financial advisor, One Bank of America AVP – Wendy Belanger – also Notarizer for foreclosure Mill Attorney – Millsap and Singer – whih appears to be one forged signature once again of a News Paper editor which list the foreclosed properties in stlouis.
    If you should knotice the foreclosure that are making it through the courts are by Realtors. Please take notice of this. These are the obly ones beating the system.
    I will be happy to share these documents with the forged signatures. You will need these for Court.
    I beleive the problem becomes very clear, these said trust were voided without the knowledge of te homeowners and sold into a secondary market without the Note or the Deed, These failed Trust were then sold to Consus Group and then resold with Wellsfargo as the Master Servicers. ReContrust is actually involved as well.
    The Mediation Bill has passed in the City of St.Louis although the Mortgage bankers have placed an injuction against this bill.
    From my understanding the injunction was placed to forfiet the current laws that are currently on the books . This merly means to legalize fraud. Once you agree to mediation your rights are completely removed. StLouis did you sleep on this ? There was no voting involved , they went straight to the nvestors for signatures.
    For how they are foreclosing illegally in Stlouis through Bankrupcy courts here ya go ……….

    ********email: stayinyourhomecitywide@gmail.com

  13. Thanks , I have recently been looking for info approximately this subject for a while and yours is the greatest I’ve found out till now. However, what in regards to the bottom line? Are you certain about the source?|What i do not understood is in fact how you’re now not actually a lot more well-liked than you may be now. You’re very intelligent.

  14. LDean TX

    Bank of America has been playing a cat and mouse game with me not only on the 1st Loan Securitized Mortgage CWABS 2007-2, with the recent robo signing of the promissory note (Michele Sjolander) on or around May 7, 2012 but also, with a letter as recent as July 14, 2012 stating that the 2nd lien does not fall under RESPA law or the Qualified Written Request.

    Here is where I have another issue. Bank of America of course is only the servicer of CWABS 2007-2. Neither Bank of New York or MERS wishes to acknowledge claim to the property. Bank of America does not wish to acknowledge the Pooling and Service Agreement in the Qualified Written Request. In a recent letter from their attorney’s the Pooling and Service agreement or anything related to the Securitized Mortgage goes above and beyond the scope of a Qualified Written Request.

    Bank of America claims to be the servicer of the 2nd lien and also the investor of the 2nd lien. My problem is, should the 2nd lien if Bank of America is the Investor be reported to the SEC? If so, it is not being reported anywhere. Could this be because there was never a lender to begin with? Bank of America, the servicer of both loans with the Lender on the promissory note as America’s Wholesale Lender as the pretender lender of both 1st and 2nd mortgage is all false information.
    Now that I realize there was never a lender, did the 2nd note ever have a lender? Should the 2nd note have followed the 1st note? Now we have a securitized mortgage for the 1st loan and really do not know if there was ever a 2nd loan. I feel as though this last letter from Bank of America stating that they do not have to produce information under the “Qualified Written Request” is there was to once again hide the truth about the original lender “America’s Wholesale Lender” So, if Bank of America wishes to foreclose on the 2nd lien, once again they will have to sue their own bank.

  15. Now you have a tenant going after CW/Bofa/FannieMae/Bofa – I have lived in this house for 7yrs the the Piranha Bank bofa foreclosure 2010 – housing prices are going so low – Mom and want to buy – got to get it cheap and Piranha Bank foreclosure illegally with no standing!! Heaven Help Us!!!

  16. My case also involves Countrywide. My originating Title Company, which was “WARRANTY TITLE COMPANY” out of Bedford, N.H. did the paperwork and the closing. My deed held a LIFE ESTATE, which was clear as day!!!! I had filed recent bankrupcy at the end of 2006 and this loan was done the first of Feb. 2006. I thought to help rebuild my credit and presumed I could lock in a fixed rate after making successful payments. When I called Countrywide in 2008 to lock in I was told and RECORDED the conversation “I am sorry, the loan should never have gone through, we cannot modify you WITHOUT your dad’s signature!!!! I immediately called WARRANTY TITLE and was told we got the loan through because I did not tell the lender about the life estate. I deleted it and added it back in.

    After fighting with Countrywide, they modified to a 3.5 interest only through 2014 after which it goes to 6% plus. Oh what a good deed, helps me alot. No one wants to be accountable for what the originator of this loan did fraudulantly!! There has to be a chain of title for responsibility, after all I did not hire them, I just paid all the bills including Countrywide’s Title Insurance that does not cover me!!!

    Here I sit due to “STEUKS” fraudulant acts. He was sued by Chicago Title the parent Company for FRAUD and charged. All the big wigs have reaped the money out of these deals and all of us Homeowners sit stranded with no help.

    In the meantime, my dad passed, but that doesn’t change what STEUKS did!!!!! I have paid interest only for 6 years now and have signed up for these sessions. I intend to fight as I am 65 years old and what do I have to loose? Kiss my ass BOA you big banks have been bailed out, made money off our signatures and want our lands so You can make more money. The U.S. politicians don’t give a shit because it’s their stock investments that are hurting. All politicians have inside leads and stakes in the stocks. STAND TOGETHER AMERICA!!!!! Take our lands back!!!!!
    Anyone can contact me at tonka04983@yahoo.com

  17. MARCH 12 2012 OIG HUD AUDIT REPORT ON BANK OF AMERICA–ILLEGAL NOTARIZATIONS AND THEY USED PERSONNEL IN INDIA TO VERIFY JUDGMENT FIGURES BUT BOA EMPLOYEES COULD NOT EXPLAIN HOW THEY DID IT

    http://www.scribd.com/doc/85234954/OIG-HUD-AUDIT-REPORT-OF-BANK-OF-AMERICA-MARCH-12-2012-THEY-USED-PERSONNEL-IN-INDIA-TO-VERIFY-JUDGMENT-FIGURES-BUT-BOA-EMPLOYEES-COULD-NOT-EXPLAIN-HO

  18. On feb 28th 2011 I called BOA with a non profit to check into the mods just wanting to be prepard, were a small mason business and the economy was getting very scary in construction and also my husband was in the hospital on nov 13th 2006 for almost a year when we just put that behind us on dec 5th 2010 we found out he was loaded with pockets on the left side of his intestine, anyway after my 1st contact with BOA feb 28th 2011 i made my mortgage payment online but at the end of march I had a crappy looking letter with a returned sticker saying loans so I opened it and it was from world points a credit card and there is the amount of my mortgage 1094.34 giving me credit for this credit card finally talked to someone and they tried to blame me it’s a process you have togo through to make your payment and the BOA credit card we had payed and cut up in 2007 so i changed banks and I didn’t even have to add my account when I paid cause my bank info is with the mortgage section but how can you put my payment on a card that is no longer, well next month go to make my payment and BOA want almost 1,300.00 and it didn’t have no messages in my box but I just paid it, then the next month it’s 1,500.00 I can’t pay that and they took the other button off it was all or nothing but I called got a answering machine so I left them a message and i was forced to pay by check and mail a paperless account so paid next month mailed it they have yet to cash one check, sent statements back dated I knew what they were up to alot of equide, fanniemae loan tried to work with them they could’t even call on my set time for the process to move ahead, well hired these attorneys in New York called dglaw group, attorney David Green STAY AWAY you pay alot and get closer to foreclosure, I’ve sent cert letters wanting all my orginal documents, my money for services i didn’t get, they never called BOA attorneys and I sent them all the letters from BOA attorneys to were they can give me a sale date anyday and right now I can’t do a thing about it but we never received any papers with a court date or time, but i was reading the lies they told the judge that we took a loan out in jan 2003 for 185,000.00 looked at the real statements from countrywide have the 1098s and sure enough on March 3rd 2003 they took are loan but they started us over we bought are house in sept 2001 it was 285,000.00,put 100,000.00 down and took the loan for 185,000.00 we never refinanced but i had a 1098 from chase bank they had are loan since sept 2001 to march 2003, theres alot of money missing so I called BOA there attorneys, fanniemae told them what I found but they don’t seem to want to work with me but know I don’t think I can work with them cause there attorneys sent us a copy of are deed and OMG we never seen this one but it was fraud with that mers, my husband reads contracts all day for 27 years when a page has a little section to put your initals u put them there these were all toward the bottom in the middle, the 1st page someone wrote next to his name singleperson then it’s all open like 2 or 3 paragraphs long and it should have been crossed out, initals posted then were they have his signature theres no date, no witness signature. We never seen this or have one and it was done in Jan of 2003 I now no the full concept of that mers and there is alot of fraud, but these 2 items a year and a half of payments missing and then this new house deed that we were never there for. I can’t afford to hire another attorney but I did see one today and this would help me to get the judge to reopen but I’m trying to see if anyone knows how and 2nd with countywide starting are loan balance from the beginning also BOA wiped out countrywide from all of the credit agencys 5 years of great credit history. please anyone have any deas. also we live in Wisconsin thank you

  19. Hi Ali,
    please read my previous comment regarding your situation which I addressed to Joe.
    It depends on your state regarding if it would be appropriate to do a Quiet title action and it depends if the mortgage document is a Deed of Trust or a recorded mortgage. Can you give more information reg. state and document? Often Quiet title actions can be done up to 2-10 years after foreclosure; dep. on your state. Usually if there is a Deed of Trust you have less or no right of redemption, than if it an actual recorded mortgage. So how Deed of Trusts are often handled, is that you can do a Quiet title action, but no matter what merit you have, it will be likely dismissed, even your case has merit, because of the laws concerning the Deed of Trust; and most people probably have those Deeds.
    I discovered so many errors on my mortgage documents in Arizona, it was just unbelievable. So I know the frustration. Not to mention the fradulent documents filed in court and the lying, cheating by these corporations to the judge and within the court system; and not to mention the corrupt judges on the case who are in kuhutz with the corporations;
    Usually if a mortgage document (deed) is not recorded, they can still foreclose your home; again, this all will depend on your state; every state is different; some states are better than others when it comes to consumer law; missouri, ohio are known as great states, oregon, arizona very bad reg. consumer law when it comes to mortgages and deeds.
    Again this is all general information how I have seen it usually how it works; I’m not saying people who read this won’t have a case, but I have seen people often dissappointed and having wasted a lot of time and effort, while the laws are written against them or the judges are simply in kuhutz with attorneys, corporations etc; I have been laughed at by the judge in superior court and oponent attorney by Fannie Mae/Countrywide and then I appealed and won my case at the appellate’s court; yea…it was very embarassing to them…and then I was laughed at again…in another case…I decided to walk away as there is nothing they can do to me; and I decided to be happy; I lost on the outside, but not on the inside; the judge did not follow the law and everyone was lying and cheating again…it is not worth it to give them my life, my energy;;;and if a judge is not corrupt, usually, they will try to get rid of him; it is really true; for the last 15 years, corruption has infiltrated the justice system more than ever!

  20. To Joe:
    Yes, you can rent out your home; and there is actually no law that states you will have to inform the tenant as of the legal status of your property (based on all of the state laws I know of);
    I have worked as a paralegal in bankruptcy; and I highly recommend bankruptcy for people who face garnishments, judgments etc. If I had a problem, I would immediatly file; I was able to use the law against debt collectors and their illegal practices, as well as I was fighting off Countrywide, Fannie Mae and others for their deceptive, illegal practices; however; depending on your state it might be hard to win your case, no matter how the law is written, depending on (corrupt) systems, judges etc. Looking back, I recommend to people to keep their lives simple, cut your losses and move on…I live mostly in Belize now and have a wonderful life; I’m glad I’m done with the fighting. I always tell people who are in default with anyone not to make partial payments, as it doesnt’ usually help you. In case you are fighting your case in court; remember most attorneys will take your case no matter what to make money; and usually they lose their cases, based on lack of due dilligence; and remember winning is one thing, collecting the judgment another (especially suing private people); I have done much better doing all the cases myself, and have actually won most of them.I hope this helps. What I’m saying is don’t waste your life away fighting and hoping for lawyers to help you; they are usually in it for the money and won’t help you in the end.

  21. Consumer Rights Defenders has former BOA insider “loan retention” expert to help you with your matter who quit because of the corruption she witnessed first hand. Call us at 818.453.3585. Low cost consultation and we can help you litigate your matter. Ask for Steve or Sara. We have referrals.

  22. i left a comment about two loans fro country wide and Bank of A any change they will give me the house or i can sue they of it and pain / stress

  23. I got two loans for Country wide one is 100% interest and bollons after 7 years its going on 6 now B of A own the loan now i think. we stopped making payments in may we are in chapter 13. this coming may we are going to chapter 7 – can I rent the home out. ? I called them a number of times they sent letters saying every thing has to go thought a lawyer and will not talk to us since we are in chapter 13.

  24. News: BoA is in trouble…can’t find enough staff to handle foreclosure cases. And…..Good News for Homeowners: Consumer Rights Defenders has merged with Western Legal to offer you pro se and attorney representation options at lower cost for “piecemeal” work. You can get counsel only when you need one to keep the cost down. Call us 818.453.3585. Steve or Jacqueline will help you with your questions and get your lawsuit started. Get the documents and don’t wait for QWR or Loan Mods which don’t work. Our folks got three TRO’s last week because the banks could not prove they had any accounting to prove their NOD’s were valid. The tide is changing.
    For you in litigation, we have a discovery production request that will take the wind out of the lender’s sails! No production, you ask for sanctions!
    God Bless America and Neil for his wonderful work!

  25. Quit paying your mortgage, do not leave your home, and don’t enter into any modification agreements with BOA. Get your records from the Recorders office, call your homeowners insurance co. and ask who is and who has been the pretender lender on yyour insurance. Don’t lat BOA use their pch-ops on you. Answer your phone and let them know the house is occupied and tell them to kiss your ass.

  26. In response to a QWR, requesting among other to identify the Holder of the note; I was provided the following:

    “Bank of America, N.A., successor by merger to BAC Home Loans Servicing LP, FKA Countrywide Home Loans Servicing LO, for the benefit of the SGR 2006-8F Trust”

    Are the Servicer’s now being “added” to the Trusts? I went to view any recent filings on Edgar/SEC and see nothing that would indicate that BofA is part of this trust. The description above doesn’t even list of the name of the Trustee.

    The NOD (CA property) was prepared and recorded by Countrywide/ BofA (void of the trust info). Also, the NOD was recorded without being signed. Section 2924 seems to be silent as to whether or not the NOD is required to be signed.

    In preparation of filing a preliminary injunction to stop the sale…if we get a Judge in NorCal that doesn’t get securitization this will only add confusion in proving our case.

  27. My loan was assigned to CW and of course they went brankrupt and I got stuck w/ BOA. After many attempts to modify our loan statrting w/W and going through all the missing paperwork, phone calls being hung up on and collection calls with the caller i.d. of J.C. Archangel I realized these people were just making fun of me )us). Finially they approved a loan mod with “upfront money of almost 2,000. They called three days later and told me I couln’t have the mod because they had made a”Cap Fee” error. I jumped thru all of their hoops and more. The stess has me lossing about 50 pds. and am lucky if I wiegh 100 soaking wet. We bought our house in 2005 with 50k down to keep our paymts lower. I just could not get anywhere with these assh–es.until about 6 months ago I i got our records from the County Recorders Office. Found origination fraud, notery fraud. We even had WAMU as our first lender (servicer) never recorded,, and then Wells Fargo. Did I mention it was a VA loan? So not only are they scrwing us they are screwing each other. I’m no economist but the amount of fraud I found was amazing. It is mind boggleing that menbers of congrss can inside trade. The originating broker asignrd our loan to mERS as nonanee and invested our VA loan in the market! The closing papers we went home with were not the same as the ones filed (or not) ! the Recorders office. How can they deniy any of this ? They were warned by the FBI and others. I think this is the rabbit Obama’s gonna pull out of his arse to win the election. I really don’t think Obama cares about crashing our economy in fact I think that is what his goal is. They commited wire fraud, robo signing, appraisal fraud,
    deul tracking, (do not leave your home and do not apply for a mod, you think you got troubles now!!!!! This is what Professor William Black calls “Control fraud”. SEC fraud, insider trading, and much more. Someone has to be punished, I mean time for the perp walks, you know the ones where they have their raincoats covering the handcuffs. And who does Obama surround himself with, Banksters who are still today committing fraud. I have been studing this for over 3 yrs, night and day. I need to know !) if its too late for a QWR, and 2) how to file a “Quite Title Action”. We had no probs till CW, 3 yrs, no lates. and now…….what to do. A good Att. costs 2300 down a 1,000 a wk. If I had that well things would be much different. Thanks for letting me vent and am open to suggeations, I got the goods but don’t know what to do with them! The only reason some judges are coming around is because thry are finding out that this is affectting thier home values and their 401k’s. Wait till the stuff really starts hitting the fan. Obama will probably have us arrested and put away for an undeterminit time…
    Love and prayers to all,
    Ali

  28. Don’t use CONSUMER RIGHTS DEFENDERS, I repeat DON’T USE THEM! There names are not Steven Nelson and Sara Stephens, it is Rick Nelson and Sarah St John( WHICH IS NOT HER REAL NAME) They are the owners of IMODIFY LAW and change there names and company name, when the fire gets hot and have taken hundred of thousands of dollars from clients and not helped them. I personally know of people that have lost everything, including there homes and money. You crooks need to go back under the rock you came from!

    DON’T DO IT and Sara could tell the truth, if JESUS was in front of her!

  29. DON’T USE CONSUMER RIGHTS DEFENDERS, STEVE NELSON IS NOT HIS NAME IT IS RICK NELSON AND SARA STEPHENS IS NOT HER NAME, THEY ARE FROM IMODIFY LAW ADN WILL TAKE THOUSANDS OF DOLL

  30. HELLO
    I JUST FILE CHAPTER 7 IN ORDER TO STOP THE SALE OF MY I JUST FILE CHAPTER 7 IN ORDER TO STOP THE SALE OF MY HOUSE IN CA,THAT WAS SCHEDULE TO TAKE PLACE ON {12/14/2011}. FOLLOWING THE FILLING, A NEW SALE DAY IS RESCHEDULE ON 01/26/2012. THE COURT DAY WITH THE CREDITOR IS 01/17/2012. I WOULD LIKE TO “BUY” MORE TIME,AND TRY TO RESTRUCTURE THE LOAN AMOUNT FROM CW/BOA . WITH A HELP OF AFFORDABLE TRUSTFUL ATTORNEY MORTGAGE DEFENSE THAT DEALING WITH CASES SECURITIZED MORTGAGE LOANS- MERS,NOTE,
    THANKS
    PLEASE EMAIL
    ERIK.K99@GMAIL.COM

  31. You can go into court in pro se at first, but eventually you will need counsel to do the heaving lifting, appearances, depositions etc. The law and procedure is simply too complex to litigate through a jury trial [or obtain equitable relief from a judge] without an attorney to make your case. Consumer Rights Defenders and their team includes attorneys skilled in this defense process. Give us a call at 818.453.3585 and ask for Sara or Steve M-F from 9 to 4. Leave your callback number if we are out. Don’t give up folks, get serious about your lawsuit!

  32. I just went on MERS My trust deed is BOA My second is CONDOR and I’m sinking {im just wondering} who will kill me first? Maybe I’ll show them I’ll just DROWN from beautiful california with shitty laws to help all of us

  33. i was also duped, started w CW, Then BOA took over, lost me in there system, just went thu divorce, had applied for loan mod, heard nothing, now a NY bank owns it and wants to fourclouse next month, can you help, please call asap, thanks 424-703-1640

  34. Hello Please “Kris ” cigllp, on September 25, 2011 at 5:46

    I need to know what Lawyer you are with I am in the boat next to you was with CW now B of A and just got my NOD

    PLEASE PLEASE respond to me at randy@sir-ps.com or through this blog if you rather I really need your help.
    I see you get it !
    Thanks
    randy

  35. Responding to those who inquired:

    My attorney is Jason Estavillo in Oakland on my CW foreclosure case.

    My Expert witness is Maher Soliman (2.1.3..8.8.0..6.2.8.8).

    If your attorney does NOT understand the accounting and/or securitization argument, they should contact Maher Soliman.

    The attorneys know the ‘legal moves’ to no lose on ‘court procedures’ (I won a house going ‘ProSe’ by bank attorneys NOT following these steps). Don’t rely on them, instead have Maher EDUCATE your attorney. They NEED THIS as most of the time they’re stuck on ‘procedures & motions’ to PROLONG the case (billing fees add up for THEM…!). Using an expert witness, it’s a quick write-up shown to the opposition and a settlement…. I like this better than an attorney who ‘loses gracefully’ saying “sorry, I tried but the law wasn’t on your side this time”…. The law IS on the homeowners side with CW, but YOU must BRING THE LAW to the attorney AND to the judge… He/she will NOT look this stuff up for you….

  36. TO CIGLLP: I presented your track to my attorney and he said that CW’s bankruptcy did NOT “derecognize the note to zero” as you have stated. He said that BAC simply bought the assets for pennies on the dollar and now own the “assets.” So how can no debt exist if the note was not derecognized to zero—simply bought by BofA? Is my lawyer wrong?

  37. Leah Dean – Houston TX. I will not bore anyone with all of the details but I will start off by stating that in 2007 I purchased a home through America’s Wholesale Lender (not a real company) from what I have read. I am one that got caught up in the sub-prime lending and Countrywide Mortgage Serviced the loan. In 2008 of course, after the BOA takeover I started making payments to them. I pulled my deed of trust out about 6 months ago after having problems getting a loan modification because of being unemployed and low and behold what did I find but the Lender who is listed on the Promissory Note as America’s Wholesale Lender and the beneficiary to the mortgage is MER’s. I soon learned about asking for the Promissory Note through a “Qualified Written Request”. I received a notice on August 15 from Bank of America stating that they would not provide everything that I was asking for but the servicer of the loan was BOA and the Owner of the loan was Bank of America on Hillcrest Dr in Thousand Oaks, CA.
    I wrote them back explaining to BOA that I wanted all the questions of my Qualified Written Request answered and they again responded that under a certain law they did not have to provide all the information that I had requested and changed who owns the loan which is now Bank of New York Barclay St. New York, NY. Funny thing is, back in August, I looked on MERS Servicer ID to see who it stated were the investor’s of my loan. It states that Bank of America N.A. is the servicer and the investor’s are Bank of America, National Association, Getzville, NY and The Bank of New York Mellon, N.A., Cypress, CA. I took it upon myself to send MERS and the investors a “Qualified Written Request” asking them for assignments to the promissory note and the blue ink copy which was filed along with the Deed of Trust. This was back in August and I still have not heard a word from them. Low and behold now one of the investors Bank of New York Mellons is coming up as inactive on MERS. None of this makes any sense to me but all I know is that Bank of America does not have any standing to foreclose on my home. They also stated in their letter to me that no one coerced me into signing the loan to my home and that it was my choice to sign the documents. Sorry Bank of America, I trusted that I was buying a home through a reputable Lender and did not realize that I was being screwed by a bunch of criminals. My Bad??

  38. This is to the message on this thread from CGILLP dated September 25, 2011: Will you share the name of your attorney?

  39. This is a message to DL who posted on March of this year or anyone who can get me started on the right track: Can you pls tell me what documentation you requested from BOA under RESPA? I too had a countrywide mtg which BOA now administers.. I just found out today (10/17/11) that they have sent my loan to an attorney to begin foreclosure proceedings in Georgia. I need immediate help with an attorney who isn’t afraid to go after BOA.

  40. I need to help with getting a quite title on my home in florida. Been battling this since 2008. I have been in bk and fought bac for lifting the sale of my home. I iam in ca. and bac was doing this through the court here. This is my florida property. I was forclosed on by countrywide with david stearns as there attorney. The maimi dade court was going to through out the case until david stearn di but without predjudice. So I am back in the saddle again.I do need some imput on what is my next step and have little money for legal representation Thank You Sheri

  41. PLEASE ANYONE DO NOT CALL THE OCC, MY HUSBAND AND I HAD TO DEAL WITH THEM AND WE HAD MASSIVE PROOF ON PAPER AGAINTS CAPITAL ONE, WERE CAPITAL ONE WROTE LIES ON A PIECE OF PAPER AND COULDN’T BACK UP A THING AND THEY TOOK CAPITAL ONES SIDE, I DID RESEARCH ON THIS COMPANY THAT IS SUPPOSE TO BE FOR THE CONSUMERS WELL THE PRESIDENT OF THIS COMPANY USED TO BE THE PRESIDENT OF BANKING, I TELL YOU THEY ARE PAID OFF, I HAVE NEVER DELT WITH A COMPANY THAT IS TO BE HELPING THE CONSUMERS THAT WERE SO MEAN AND RUID 1ST TIME I TALKED TO THM I TOLD MY HUSBAND THEY ARE NOT ON ARE SIDE, I MAILED A HUGE VANILLA FOLDER FULL OF DOCUMENTS BACKING UP MY COMPLAINT, WIS ATTORNEY GENERAL, FEDERAL TRADE AND 2 PRIVATE ATTORNEYS SAID WE HAD PROBABLE CAUSE AGAINST CAPITAL ONE BUT OCC WENT WITH CAPITAL ONE. DO NOT TRUST THEM I HAVE TRIED TO GET MY INFORMATION BACK FROM THEM AND STILL HAVE NOT GOTTEN IT. THIS IS A LAW FIRM WE FOUND IN NEW YORK LAW OFFICE OF DAVID GREEN THEY HAVE BEEN WONDERFUL MOST ATTORNEYS WANT $5000.00 UP FRONT THEY WORK WITH YOU AND THEY AE NOT EVEN CLOSE TO THAT MUCH CALL 516-506-0392 AND THATS NICKS A PARALEGALS DIRECT LINE OR 516-506-0398 THATS ANTHONEYS LINE, SO FAR I HAVE BEEN SO HAPPY WITH THEM WE HAD FANNIE MAE WORKING WITH US AND IT WAS A JOKE THESE GUYS ARE A GREAT TEAM THEY UNDERSTAND THAT YOU NEED TO HEAR FROM THEM INSTEAD OF BLOWING YOU OFF, THEY CALL ME BACK ASAP KNOWING I HAVE BEEN RIPPED OFF SO MANY TIMES THEY MAKE SURE I DON’T FREAK OUT, GIVE THAM A CALL TALK TO THEM IT WON’T HURT AND TELL THEM VICKY FROM CHEESE HEAD STATE TOLD YOU TO CALL, ALSO THERE BOSS CALLED ME IN 2 DAYS WHEN I GOT ALL MY INFO SENT TO THEM. GOOD LUCK EVERYONE AND STAY STRONG DON’T LET BOA BULLY YOU

  42. I have been in my home for 4yrs and feel that there was fraud committed, but I haven’t had a way to prove it but I am feeling that the assignments are wrong. Not only that Countrywide filed with the courts that the note was lost or destroyed on or after the closing date. And when it was sold to HSBC bank they said they never received the note in their possession. How do I get help with this. I have a new baby, and I can’t fight this alone. Can someone please help me or show me where to begin.

  43. Battling CW and BAC for 2 years: state court->federal court->back to state court. Survived Unlawful Detainer and retained possession. Now moving into getting RID of the NOTE completely. Best move was getting an ‘expert witness’ to prove they don’t have authority to foreclose. (expert.witness@live.com) My complaint was the silly ‘show the note/TILA/RESPA/Securitized Note/Fraud’ violations. NOW using GAAP, SEC and UCC codes to prove: Prom Note converted into stock, stock pledged as collateral for new loans, note was derecognized to ‘zero’ when CW went BK and NO MORE DEBT exists…. CW Screwed Up: so they LOSE their asset (ie: my promissory note). I’m in California, so normally banks get ‘possession’ of a house while you’re trying to fight your court case: BUT the Unlawful Detainee judge said ‘Uh-Uh bank’. I keep my house until the bank proves they are due the money… It will take another year before we get to trial…unless they settle first…. I went through ’2′ attorneys who knew ‘nothing’ about this…. NOW I have an expert AND an attorney who knows what the h**l is happening…… (non paid endorsement here!) CW made ‘billions’ for years…. I got the CW loan on ‘refi’ and put ALL the money back INTO the house. Now it’s ‘upside down’. I don’t feel bad about getting my home loan ‘forgiven’…. Good Luck in your battle(s)….. Kris

  44. Hey DL from Colorado I have a very similar situation with BAC. I’m a little stuck with my first step. How do I prove that Countrywide table funded my loan? Another words the money was lent by an undisclosed third party in violation of RESPA and TILA. I’d also like to do what you are planning Fraud upon the court, common law fraud etc..

  45. BANK OF AMERICA FILED A FORECLOSURE THROUGH PIERCE AND ASSSOCIATES IN CHICAGO ON A GOOD/CURRENT MORTGAGE.

    I called the customer service @ BOA , response: they will investigate. It has been 2 weeks. Can I sue Bank Of America under Fair Debt Collection Practices Act? What damages I can claim? I planing to file a complain at FTC and Obama website.

  46. MA-RI-CT HOMEOWNERS! FIND OUT ABOUT GEORGE BABCOCK RECLAIMING AMERICA ONE YARD AT A TIME. MA.& RI & CT.IF YOUR HOME HAS BEEN FORECLOSED ON CALL US WE WILL MAKE IT RIGHT FOR YOU. WE CAN HELP YOU RIGHT AWAY! NO FAMILY LEFT BEHIND! BUDGET PLANS FOR EVERYONE.WE CAN HELP YOU STAY IN YOUR HOME. THE BANKS MADE A LOT OF MISTAKES IN THE PAPERWORK AND WE OFFER TO FIND THEM.FREE CONSULTATION ON ANY LEGAL MATTER.CALL KIM THOMAS 401-352-5609 or 401-274-1905. WE CAN HELP THE LAW OFFICES OF GEORGE E.BABCOCK ………………………………………………………………………ESQUIRE. CHECK OUT OUR WEBSITE: http://www.facebook.com/l.php?u=http%3A%2F%2Fwww.babcocklawoffices.com%2F&h=911e4
    IF YOU HAVE A MERS WHICH STANDS FOR MORTGAGE ELECTRONIC REGISTRATION SERVICES WHICH WOULD BE IN MOST CASES ON THE 1ST PAGE OF YOUR MORTGAGE PARAGRAPH C. CALL KIM THOMAS OR GEORGE BABCOCK AT 401-724-1904 FOR A FREE CONSULTATION.OVER 500 CASES WITH EVERYONE IN THEIR HOME.

  47. we also had cw .and about 6 others .we tried to remod with kucsan and mccrea that told us to stop making payments while it was still cw..after about a year boa proposes that we make 1400.00 a mos good faithpayments with about 7000.00 dow ..after 7 mos of these 3 mos good faith payments we found out they want to up the payments to 1900.00 a mos .and they were still forclosing . now I find that we were robo signed .and we dont know which way to turn . we live in susanville ca’ if you know of any attorney or help in this area please call me 530-257-8824 ty and god bless’

  48. NS, PLEASE CALL ME AROUND 2:30 P.M. PACIFIC TIME AT 951-742-7358

  49. D.R. BERGEN, PLEASE CALL ME AT 2 P.M. PACIFIC TIME 951-742-7358

  50. to: Cindy Hulett please tell me about joinder lawsuits. I want to join a legitimate one and can not find how to verify ligitimacy. I am in Nevada and cant find a local attorney that wants to stop forclosure or let me know about joinder law suits.

  51. Can anyone help mod my morage with BAC? Ifeel I can not take on these monsters by myself!

    tank you,
    DRB

  52. If anyone is solicitating you for a mass joinder, I would consider it a scam. If you are interested in a mass joinder, consult an attorney that is actively involved.

  53. I received a one page piece of mail stating a “Mass Joinder Litigation Lawsuit from the Litigation settlement department. No firms name on the letter, just an 888 number. Called the number and got a recording saying, “This is the office of Acceptance Capital Mortgage Corp.” I have my mortgage with BAC, which was bought from Countrywide several years back. Does Acceptance Cap. Mortgage solicit? Is this a scam I should be aware of. Thank you, Barbara

  54. DL, thanks for sharing….
    Watch your statute of limitations on time to file claims.

  55. Second to last pargraph of my last post should have said “Quiet Title” not quite title. But I’m sure most of you knew what I meant.

  56. You can bet your mortgage that BAC is up to no good, (oh yea, we already have bet our mortgages).

    Anyhow, BAC cannot avoid any issues by trying to sell your note back to Countrywide, Countrywide no longer exists. The buy-out in 2008 was a merger so BAC and CFC are one in the same and the last time I checked Countrywide is no longer a legal entity. They are no longer registered with the Secretary of State in Colorado, where I live.

    But they are most definitely trying to find a way out of this mess that they helped to create.

    I have been in this fight since October of 2006, first with CFC and now with BAC. BAC finally offered me an opportunity to apply for a loan modification in October of last year, 9 months after they filed for foreclosure on my home and, after all of the send us this, we lost this, send it again, etc., etc., they denied my modification by stating that my mortgage and escrow did not amount to at least 31% of my income.

    They didn’t give me any numbers except for the total of my verified income. After 8 or 9 calls to BAC and not one call in return as promised I finall found out what my latest mortgage payment with escrow was calculated to be by BAC’s workout department, $1,450 per months, which just happens to be about 60% of my verified income.

    I have all this in writing and in the record of calls to BAC. I am amending my original complaint that is being litigated in the federal court system to include Fraud and Wrongful Enrichment by BAC as the Successor in Interest to CFC and CHL..

    After submitting a QWR pursuit to RESPA to BAC and getting a letter of acknowledgment back from them I have not heard another word in over 70 days.

    BAC cannot produce the documents requested or if they can they won’t because it would show that they don’t have any standing to proceed with a foreclosure. Either way they have violated federal and state laws.

    I have discontinued any attempts to modify my note with BAC, they have no standing to act in this capacity and I will not surrender those rights to them by continuing with this crap any longer.

    BAC failed to prosecute the foreclosure on my home, the last propossed sale date was February 16, 2011 and with no sale held, the next day made it one year since the original sale date and that stops everything.

    They must start all over but haven’t yet, and when they do I am ready for them this time. Fraud upon the Court, common law fraud, perjury against them and the law firm representing them, violations of state and federal lending laws including RESPA violations.

    I will of course make this an action to Quite Title and put an end to this madness one way or the other. I have been in this fight for over 54 months and I grow weary.

    Good luck to all of you and may all Americans remain in their Castles free from tyranny.

  57. 800-669-6093. If they won’t help you file a complaint with the OCC, and if the OCC won’t help you, join a class action or sue pro se. Tie up the property for years. That’ll shut them up.

  58. What is the phone and fax number of the president of the dept that will help home owner who have been unsuccessful in getting a loan modification.

    Thank

  59. LENDERS MUST “PRODUCE THE NOTE OR RELEASE THE LIEN IN BANKRUPTCY COURT”

    877-208-8616

  60. Home owners in CA have one way out and one way to fight lenders. In bankruptcy court forum.
    Borrowers should make sure the attorney they hire on bk cases has extensive skills in adversary proceedings and demand lenders to produce the note or release the lien strategy.

    To locate an attorney who gets it in bk forum contact legaldefendersnetwork.com or contact them at 877-208-8616

  61. To debbie granados:
    Try Contacting Levin Papantonio in Pensacola Florida.

  62. I have a problem and wanted to know if you can help me or what I can do. Bank of America has foreclosed on my house August 3, 2010. I have been going through a lot of stress with that company and I keep getting the run around.

    I feel that they committed foreclosure fraud. My husband and I missed 3 payments because his business was extremely slow and BofA told me to do the loan modification. They kept sending me packets to fill out and send back to them, which I did. In the meanwhile, I wanted to make time payments and they would not accept my payments. I had several employees in BofA that told me that they cannot foreclose on my property if I am in the process of a loan modification. The last letter I received from the BofA stated that I would have three options: #1 – you are accepted into the program with instructions on how to proceed, #2 – you are declined from the program but we have other options to help you avoid foreclosure, or #3 – we need more information from you to make our decision. I have not received any other letters after that except that they were foreclosing on my home August 3, 2010.

    I have been fighting with them since, because I know that they were supposed to freeze all foreclosures due to the Robo signing. So finally I received a call from the BofA in November 2010 telling me that the investor said that I can have my home back with a payment of $1210.56 and an interest rate of 4.025% and that the paperwork is in quality control and I should receive my packet soon. That my payment was a little higher due to the missed payments which I do not have a problem with because my husband got a full-time job since November. I have never received the packet and I finally got in touch with someone from the BofA and they said that they resubmit the paperwork and then called me back a week later and said the investor did not want to help me. BofA stated that I can live in the house until I am evicted, but I have nowhere to go. And they will not give me any explanation why I cannot get my house back when they said I could in November.

    I am sending you the letters that I sent to BofA so you can see what happened. I also checked with the County and my name still appears on the property taxes and not the investor. Please let me know if there are any class actions suits against them in the state of Georgia or if there is anything that you can do or if you can suggest anything that I can do. I would really appreciate it.

    Thank you

  63. Tina,
    I filed suit in small claims court in NY against BofA and one of the things I asked for was to fix my credit. Although in the Loan Modification program, we had never missed a payment before and asked the court that they fix it. While never having the joy of getting a call back from anyone at BofA before, we received a call from the legal department who corrected our credit report and stopped foreclosure action.

  64. Suddenly Countrywide has appeared on our insurance, that company has never been involved in this mortgage, originally Evergreen Mort loan, soon after servicing was taken over by the Bank of America (2007) B of A is up to something, shuffling mortgages they feel are poor risks over to Countrywide at exaggerated values? Will this never end.

  65. JDWaterman:
    Kramer and Kaslow do not solicit their clients. They are currently having problems with other people using their name on mailers and with dialers. You can contact them directly. Do not respond to the solicitation. What state are you in?
    If you retain an attorney, file a quiet title action. This is your most helpful avenue outside a class or joinder lawsuit.

  66. I’m in this mess also it seems. I’ about to make my second trial payment on my loan mod but now wonder if it is worth it. I have been contacted by “Augie” a paralegal solociting for a lawyer group Kramer and Kaslow out of california. He says that BAC is lying to me about stopping the foreclosure after I make the trial payments. He wants 1900.00 from me to bring me into the suit where he “gaurantees” everything will be solved. Anybody else out there hear of this? Please help.

  67. FYI
    I know of a case in New Mexico where Bank of America modified a mortgage that had been acquired in the purchase of Countrywide. Now BOA has notifed the Mortgager that they are selling the mortgage back to Countrywide for $14,000 more than the amount of the modified mortgage.

    Perhaps BOA is preparing to consolidate their losses in Countrywide and then have Countrywide file for bankruptcy?

  68. Re Lauren: Thanks for the info!

    Re Mike: I’ve read of such an attorney, and will try to track him down again and give you his info.

    Re DL: Please send me all the info you can on your suit. I agree that the biggest issue is not the plight of the victims of this scam (us), but the issue of whether or not the banksters will get away with our money after pulling the biggest heist in history. We need to join together in one monster class-action suit to put these cretins in prison!

    Re Tina: What, indeed, is BoA up to by giving us good credit scores out of the blue? It surely isn’t for our benefit (unless you still believe in the tooth fairy). Let’s find out what they’re up to!

    Re utsava: Here’s an idea. Let’s all coordinate our efforts and file quiet title suits (to regain our stolen property) against the same banks, on the same day (“money-bomb” style).

    Re Tina Brown: Expect everyone at BoA to stonewall and/or lie to you. I had the direct phone number of the “Customer Advocate” in the office of the President of BoA in Dallas, TX; I called it, but it’s “not in service.” (Gee, I wonder why?) After informing them by mail that I would no longer be sending them “mortgage” payments, as I no longer wanted to contribute my money to an ongoing conspiracy of organized crime, this “advocate” called me and asked me what I wanted them to do. I replied, “I want the title to our house free and clear, and I want a full refund of everything we’ve paid to Bank of America.” He said he’d get back to me. Later, I got a call saying “we have chosen not to respond to your request.” At least he was frank.

  69. I just found a blog which stated that B of A signed a total release after a short sale. The catch? B of A is issuing the homeowners a fat 1099 for the deficiency. It’s called debt forgiveness. This means that on one year’s tax return, the homeowners will ‘get’ to pay taxes on the deficiency, probably a substantial amount. I’m surprised it took B of A so long to figure out that 1099′ing the entire deficiency gives them a better end of the deal.

  70. I am in possession of a RICO class action suit now in federal court. The attny knows her stuff and has figured it all out. If anyone would like me to forward it to them, send me an email at laurentratar@gmail.com

  71. why wouldn’t a good attorney whom would think out of the box, file for a quiet title than place a mortgage on the property in the attorneys name and then you pay the attorney for the mortgage at a lower principle amount. Both a Win Win

  72. Did you ever find someone to help you

  73. I have been fighting Countrywide and now BAC as a pro se litigant for a year now. Filed my case in the State District Court in July 0fr 2010 and BAC had it removed to the federal District Court.

    I am trying to survive a Fed.R.Civ.P.12(b)(6) motion to dismiss so I can at least get BAC to answer the Complaint.

    My suit does not argue the foreclosure sale that is going on as I write but it does concern the civil conspiracy and racketeering activities at CW starting in 2003 and continuing through July of 2008 when BAC bought CW.

    I have alleged that BAC has Fostered, Supported and continued with the ongoing conspiracy that existed at CW and 6 other causes of action. I won’t bore you with the particulars because we all know what they are.

    My foreclosure sale has been postponed for 11 months now and if they don’t sell next month the non-judicial procedure has to be started all over and I am prepared for them this time.

    I’ve been in my home since 2003 and plan to stay here. If there is an attorney who would like to get in on my law suit I could sure use some help at this point. If I do say so myself, I’ve layed some pretty good foundations but I need a pro at this point.

    Good luck to all of you.

    50 Months and holding…..

  74. Rudy, I sent you an email

  75. Hi, I just check email and saw this …. my email is

    blessyou_95610@yahoo.com don t want to post my number on here,,,,,,.

  76. Rudy,
    Please contact me so I can see if I can help you out with your problem.

  77. Hi Everyone, Need advise from someone who has won their home. Filed Bankruptcy in oct. 2009. Due to divorce and real estate i’m in a financial mess. They BAC which i had a loan w/ Countrywide. Had to refinance to pay her off, wouldn t give me more to pay my CCards off. Just her amount. Now 2 yrs they are tring to foreclose on me. Auction is at court in sept. 2010… no money to move or have a place to live. What do I do????? HELP ANYONE.

  78. Just want to voice an opinion about loans that were serviced by Countywide and now BAC.
    I did a refi in 2005 using a broker who used a warehouse lender(now one of the lenders other companies is know as the investor on MERS ) I have learned from BAC that my loan note is owned by Bank of New York.
    I have been trying for 3 years to :first sale my home; do a short a sale, work on a loan mod. Then onto QWR, tons of phone calls to CW then BAC. Complaints to California AG and 4 other government agencies. As of May of this year my credit report is showing I am now CURRENT on my payments with NO past due amount! The banks and some investors lied to some of us, used fraud to change documents during and after closing. They, for the most part are getting away with it. Now they are manipulating the credit reporting agencies. If we have something on those credit reports that is wrong and keeping us from getting jobs or credit, then we spend months trying to get it off . Now when a report shows a total lie, but it brings up our score, to me, it would seem that the bank is up to something VERY BAD! No creditor lies to make you look better….get real. They will lie if it will help them look better … like when the brokers and lenders never really bothered getting your credit report when you got that bad loan you are in now!! I have been reading other post that are stating the same thing about their credit reports, and most of them have had CW and now BAC. And what will happen to the bank for committing this fraud..NOTHING. Who will help us, the little folks who don’t have funds for good legal help…we will lose even more, and not be able to prove the fraud once again.
    For most of us, we did not buy or refi our loans thinking we were going to default.(I had been in my home for 10 years and never missing a payment before life changed for me) We thought the payment amount on the TILA and the GFE was the amounts we would be paying in the order they were listed. We thought we could go to the lender on our Note and DT if something came up and needed help to lower payments or do a short sale. We knew what was the right thing to do, and have tried. Most of us can not afford good legal help. If we could then we would have made our mortgage payment instead. Most lawyers cost more per month to help us fight to keep our homes than our house payments were. Some of us are not that great at doing our own legal work, nor do have the knowledge to stand up and speak in court in a proper manner. So for most of us there is no help except to vent. We know what is going on is wrong, but the banks have the high priced lawyers and the government on their side…..WE THE PEOPLE only have each other to depend on. Homeless are growing in leaps and bounds, and the government makes them move from one camp to another stating that they are an eyesore to the community. Well, maybe if the same government would put a stop to foreclosures and REALLY force the banks to work on the bad loans so most would be able to stay in their homes, maybe then there would not be such a need for tent cities.
    But one bright spot, for those of us who have been without work for a very, very long time, and have to lose our home, we can put a smile on our face knowing that our credit is much better now than it was before BAC took over CW
    I am very thankful we have blogs like this to get information from and to help each other. I seems that there is good advice here, and most of will be able to use at least some it. Thanks to Neil this is a way for us to learn, and keep up with what the banks are up to.

  79. Hi Royal , Can you send me your email adress?
    I have a Countrywide loan that is now owned by Fannie Mae and was just assignede to BAC on June 15, 2010 , however BOA has not produced any evidence of lender servicing and is attempting to forclose.
    can you email me @ joe3of12@hotmail.com. if yolu can suggest a remedy that I can use. I have already stopped the first motion to lift stay , however they have just filed a second motion.

  80. 6arce newcastle ca ranch , bought 06 may 950k , 499.999 1st deed with countrywide 6.5 % 2year adj. loan 3.201.00 p&I lost resturant bus 06 feb , bld owner would not repair building lost 350k. bk 08 13, 7 discharge need to file quiet tile and fraud property today 350 k 07 appraised at 1.2 mil, stop paying nov 07 they never forclosed on me , 200k 2nd forclosed dec 08 sueing them for fraud on thier loan , been removed 4-23-09 I was evicted by jr lien holder , who today cant pay 101k in a rears payment , never did now in same boat as i was a yr ago by them 916-585-2552, sueing cw no note, 2nd lien holder, i,m patrick fagundes in rocklin ca, need help!!

  81. I’m looking for a lawyer for Quiet title suit against Countrywide/Fannie Mae. Never signed Deed of Trust. They conducted Trustee Sale based on a Deed of Trust on seperate Real Property (foreclosed wrong property).

  82. Here is my mess. Any Nebraska lawyer that gets it?
    In June 2006 took 2nd mortgage HELOC, from Home Loan Center, INC dba LendingTree Loans, then to Countrywide, then to BOA. DOT Assigned to MERS, no assignment to Countrywide or BOA Filed chapter 7 in June 2009.
    BOA would not reaffirm HELOC.

    Continued current on payments until chapter 7 discharged in Oct. 2009. I have been requesting original loan docs from BOA since October to renegotiate loan.
    From BOA received letter of intent to accelerate from in December 2009. January: Mail registered letter requesting copies of original signed loan documents. Also, emailed BOA President of Home Loans explaining hardship, bankruptcy, requested negotiator and original signed loan documents. Received call from a Collections Executive Response Team(CERT). Will assign me a negotiator, will need to fax financial records, hardship letter, etc. Financial records, etc. faxed February 1, 2010.

    Feb. 19, 2010 Received letter from BOA that copies of original loan documents should arrive in 15-20 days. I followed up with CERT member, since I have not been assigned a negotiator. It was explained to me that BOA was very busy and one will be assigned to me as soon as possible.

    April 19, 2010 received call from CERT member that a negotiator has been assigned to me, but before they will work with me, I must become current on the loan. (Is this a demand for payment from BOA to me, even though this loan was included in chapter 7 discharge?) I again requested evidence of debt. CERT member will send what documents they have.

    Pulled credit report, BOA list my account open, current and agreed as paid. No mention of chapter 7.

    April 26, 2010 received BOA copies of loan agreement made with Home Loan Center dba LendingTree Loans, discovered the following in the mix of signed and unsigned pages:
    I found our signatures are missing and other discrepancies on the following forms:
    • Signatures missing from Home Equity line of credit disclosure form 10163L
    • Signatures missing from Affiliated business arrangement disclosure statement 50393L
    • Signatures missing from Home Equity Line of Credit Explanation Consumer Disclosure
    • DOT with MERS as the beneficiary. Deed of trust miss indentifies the holder of the prior deed of trust. (1st mortgage)
    • HELOC authorization to pay. No disbursing agent signature/date
    • Form 50472L no settlement agent signature.
    • At the end of the file, preceded by a letter to me from Home Loan Center would be unsigned copies of various consumer statement items. Truth-in-lending disclosures, good faith estimates, etc. No signatures on any of these items.
    Any recourse on the missing signatures on some of the documents? House isn’t underwater. Can they foreclose? Was the note split from the DOT since it was assigned to MERS and was at the time of Bankruptcy discharge?

    Help!

  83. Royal,
    How can I contact you by email?
    I have Countrywide Home Loans and would like some insormation in stopping BAC who is trying to forclose, however they have admitted to me in their response to my RESPA/TILA request that they no longer have the note and that the note holder is Fannie Mae. I have not heard anything elese.

  84. I have a Countrywide original loan. I am having problems getting a modification and need help. Royal, can I get an email address so I can go over the details with you. I need to know what kind of help you can offer. Thank you

  85. Royal:

    Where are you, i need to talk to you also, i have an america wholesale lender loan, with MERS, forged notary, i was never present, forged income verification, i can fully prove.

    In PA, need help, statements still say 30 yr Jumbo PayOption ARM w/PMI. Was a neg am arm, but they took that off the statements, but still get the different payments to make, have all old statements to prove things.

    Please contact me at Transmut12002@yahoo.com I want to speak with you asap!

  86. Amber Morphis – there is no right of rescission on a second loan, or on a purchse transaction. When it comes to the larger loan amounts with this bank, due to the Obama mess, there are no available programs. As such, Jerry Brown has implemented a program through the Attorney General’s office. If all else fails, and I wouldn’t wait. I would file a complaint with the U.S. Treasury department, get a case number and have them investigate for you. Banks were directed several years ago to get folks out of the neg ams and adjustable loans. If you are in a neg am, having a problem with a minimum payment, they way they see it is that you’ll have a bigger problem with a fixed rate. The banks were directed to prevent payment shock on these types of loans, but again, all that has gone by the way side thanks to Obama and his half baked ‘plan’.

  87. Royal,
    I need your help and experience. I have a Countrywide-Americas Wholesale
    Lender Mortage

  88. I’m not in foreclosure but decided to do a pre-emptive campaign against the banks.

    In March 2009 we asked Americas Wholesale Lender (CountryWide) via certified mail to view the original notes that they hold and we make payments on. They replied that in order to obtain the Original Note we need to refer back to the closing agent which was Lawyers Title Insurance Corporation.

    In April 2009 we forwarded the above response to Lawyers Title Insurance Corporation and asked to view the original notes. They replied they no longer hold the original documentation and that the Lender collecting the payments, in this case Americas Wholesale Lender (CountryWide), would have them.

    Now that BOA bought countrywide we sent the above to them and asked to see the note. They have not responded nor do I expect them to.

    I live in Oregon I want to file suit to do quiet title but cant find a competent attorney who has any knowledge on this whatsoever.

    any suggestions?

    thanks

  89. Ana Young – The mod they are giving you is illegal. Bush directed specifically that banks get folks out of the neg ams. They can give you a step rate which usually starts a 2% and ends at 5% for the remainder of the loan, but not reverting back to the original neg am terms. Let them know you are aware of the step rate program, and that’s what you want. This program allows for the least amount of payment shock for a borrower. That 2% by the way, is principle and interest, no interest only, and no neg. Ask to speak with the Office of the President

  90. Royal;

    How do I email you directly?

    I am in the same situation where my home is with Countrywide/ BOFA. I put down 20% with another $150,000 into the landscape improvement. I tried doing my own loan modification and the same run around like the rest of homeowners. It is the same with my other rental that used to be my primary residence. I put 20% down payment with A paper “Fast & Easy” loan; both houses continued about 50% depreciation. I was in the lending business for 19 years doing only A full doc papers. I had lost everyting else in other real estate investments from fraudulent conduct . I got sued by own real estate agent for collapsed real estate transactions. I got taken advantage of left and right from the lender and people whom I trust in fiduciary capacity. The only hope that I have is to save my only home for my family . If you have any information how to help me, please let me know. Thank you and God Bless America.

  91. This message if for Amber.. Please contact me via e-mail I wanted to provide a resolution to your nightmare with CW. Anyone who has a country wide loan that says americas Wholesale Lender contazct me.

  92. Good Monring,

    Can you provide me a contact person at Bank of America Office of the President designed since I need help on an unsuccessful in obtaining a workable mod agreement.

    12/18/2009 I was put on a trial payment after providing income info and expenses. Completed my 3 trial payments with no paperwork saying that I was on a trila or in the hope for homeonwer program I received a letter 2/24/10 – last night stating “Notice of Intent to Accelerate”. I have 30 days to pay the the default charges or face foreclosure. Whiler my 3 trial payments are sitting in a partial payment account which on paper, make me appear to be later than what I really am. I feel like I’ve been tricked into thinking I was getting a loan modficiation. I haven’t even received a denial letter of loan mod. Nothing. Each time I called about where’s the loan mod package, I was told, “we’re backed up, don’t worry, it’s coming”.

  93. Anna Morphis – Countrywide, now B of A, of course has an Office of the President designed specifcally to help homeowners that have been unsuccessful in obtaining a workable mod agreement. You may email me and I will give you the phone and fax numbers to this department.

  94. We can help you.

    Call Charles at 702-480-5660

    or Carol at 702 476-0115

    Let’s talk soon.

    Charles

  95. I have a 1st and 2nd with Countrywide/ BOA Pay Option. Filed 7 and discharged both have already done audit and sent 3 QWR to both lenders because major violations found including no 3 day right of recission on 2nd (closed Dec 2005)

    No response from CW or B Of A, they offered a mod but wanted me to sign reaffirm before giving me anything in writing, said no.

    No mod, no response to QWR and will foreclose soon Im sure, what can I do?
    CA property purchased in Dec 2005 2.5 million purchase price, put 500K down and another 700,000 into property. I stopped making payments in 2008 because the payments I was making (huge principal reductions) were not being posted, forced place insurance, payment changes every 90 days increasing payment $2000.00 per quarter, no annual escrow statements, just a mess of issues with CW.

    Note: Ive been in the Mortgage Industry for 23 years, most recently as a COO and National Operations Manager and I’ve been dupped, this is not an industry I want to work in anymore, I need help because I dont know what to do with this mess.

  96. I am trying to modify my existing Pay Option ARM with Countrywide and they are refusing to lower the principal balance based on the settlemnt agreement. They ahve also said that the negative amortization will only be removed for the 5 years the rate si beign reduced. How do i get them to oblige by the settlemnt agreement?

  97. When countrywide bought a loan from the original lender countrywide changed the names that were on the original document by excluding two of the signers. Remedy?
    Thank you

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