Forcing Modification on a Reluctant Servicer

DON’T FORGET THAT THERE IS A DIFFERENCE BETWEEN THE SERVICER WITH WHOM YOU ARE DEALING (THE SUBSERVICER) AND THE MASTER SERVICER WHO IS CALLING THE SHOTS ON BEHALF FOR THE INVESTMENT BANKER. DEMAND PROOF OF WHO IS HANDLING THE MODIFICATION, WHO IS ASSIGNED AND WHO THEY CONSULTED.

After interviewing Danielle Kelley on the issue of modification, there is a lot of red meat that can be used to bring relief to the homeowner and sanctions against the servicer that was negligently or intentionally avoiding its responsibilities under HAMP. Danielle points out that according to the DOJ judgment against BOA, there seems to be direct guidelines (which BOA has intentionally breached as a matter of policy) that under HAMP, the servicer is required to submit the proposal for underwriting prior to offering a trial payment plan. This would suggest something that is certain to be attractive to the Judge who neither wants to throw anyone out of their home nor let the borrower off the hook because there is a coffee stain on the documents.

It may be presumed that the servicer HAS submitted the plan for underwriting if they offer a trial modification. That means the borrower has been twice approved for the loan — first at origination and then under the trial modification. No more documents or financial statements, no more “consideration,” and no more denials based upon nothing. If the bank refuses, then the appropriate motion would be to enforce a settlement agreement — which is the way I would entitle it. And the argument would be that if the trial modification is not a gateway to permanent modification after underwriting twice the same borrower and after accepting trial payments, then what is it — a survey?

As we have already seen in a recent case litigated by Danielle Kelley the Judge didn’t buy the argument that the permanent modification is not automatic even if the borrower fulfills all requirements under the trial modification. remember, this borrower has already been qualified in the loan origination. Use that against the bank, saying that you approved them twice and now you want to deny them a modification after they have demonstrated the loan is viable by making the actual payments?

If the situation gets hairy then go into discovery and identify all the actual people who were involved, who they contacted, what computers they used, what software and what criteria they used in approving the trial modification. You will find they contacted nobody and did not actually underwrite the trial modification at all even though they were required to do so before the trial modification was offered by them. That’s their choice. If they want to approve trial modifications the same way they approved loans — without conforming to industry underwriting standards — they have made their election. They do not now have the excuse or basis for denying the permanent modification or demanding that the loan modification process begin all over again.

Once again we are confronted with a bank that doesn’t want the money, doesn’t want the loan reinstated, and who refuses to mitigate their damages, electing instead to push the borrower into foreclosure where both the investor/creditor (who probably knows nothing about the situation because they were never contacted, contrary to the condition precedent in HAMP and the DOJ judgment) and the borrower end up screwed.

This is only now coming out through whistle blowers. I have been predicting that this would be revealed for years and most people thought I was nuts. Maybe I am nuts but I am still right. The servicers and investment bankers have painted themselves into a corner. The truth is that none of them has any authority to negotiate the terms of the modification, nor to pursue foreclosure because not even they know if there is an actual balance left on the old loan receivable which has long since been converted into something else thanks to payment by a third party who expressly waived their right of substitution, subrogation or contribution against the borrower.

This is not theory — it is about the facts. Why would you take a document handed to you by the bank or attached to a pleading or recording be assumed by the attorney for the homeowner to be true and correct. We know it isn’t. So it is the lawyer’s job to probe through discovery down to see what transactions occurred, when they occurred and who were the parties to the transaction, as well as the terms of the transaction. Then the lawyer should compare the actual transactions, (shown by canceled checks, wire transfer receipts or other indicia of payment that can be corroborated through the national payments systems), with the documents proffered by the forecloser who is now pretending to modify when in fact they are steering the borrower into foreclosure, contrary to normal banking practice of maximizing the mitigation of damages such that the bank loses nothing or close to nothing. Listen to any seminar, as late as the last year, on foreclosure defaults and the seminar is all about workouts because that is the best answer for both the bank and the borrower. Now they would rather lose more money than less.  Why?

Workouts are the furthest thing from the bankers’ minds because the dirty secret they are hiding is that at all times they were dealing with investor money, much of which they stole. The assets on the balance sheet, the proceeds of insurance, CDS proceeds, and subservicer continuing payments after default (thus curing the default) all tell the story that has yet to be told in Court. Now with me practicing again with great lawyers like Danielle Kelley, William Gwaltney and Ian White, the story will be told.

BANKS ARE NOT MITIGATING LOSSES. THEY ARE AVOIDING LIABILITY TO INVESTORS, INSURERS AND THE GOVERNMENT

The only hope for the banks is getting a foreclosure sale that gives the further appearance that the reason the investor, the insurer, the credit default swap counter party, the U.S. Treasury and the Federal Reserve lost money was because of the vast number of defaults on mortgages. But even with the banks tricking and pushing borrowers into “default” [from a script written by BOA officers and lawyers — “you have to be 3 months behind in your payments before we can consider modification” — a criteria ABSENT from HAMP], the number of defaults and the amount the banks are reporting that investors lost don’t add up — and THAT is why you must be relentless in discovery..

The simple truth is that the banks that are dealing with the foreclosures and modifications stand to lose nothing if the loan results in a zero return to mitigate damages. They stand to lose everything if the loan is reinstated because of all that money they took from investors, insurers, CDS counterparties, the U.S. Treasury, and the Federal Reserve. BOA would not have made it a policy to lie, cheat and deceive borrowers until they ended up in foreclosure unless it was in their interest to do so. What reason would that be other than the one postulated by this paragraph?

“Servicer shall promptly send a final modification agreement to borrowers who have enrolled in a trial period plan under current HAMP guidelines (or fully underwritten proprietary modification programs with a trial payment period) and who have made the required number of timely trial period payments, where the modification is underwritten prior to the trial period and has received any necessary investor, guarantor or insurer approvals. The borrower shall then be converted by Servicer to a permanent modification upon execution of the final modification documents, consistent with applicable program guidelines, absent evidence of fraud.” -HAMP

204 Responses

  1. The real problem with this world is too many people have become greedy, self centered, licentious haters of anything good. Too many peoples priorities are in the wrong place. How many people say …. it’s all about the money. The reason for that is because this world has been turned into survival of the fittest by greedy control freaks who have fraudulently converted the rule of law into the law of the jungle where only the strong can survive. Not only is that immoral and unethical it is illegal.

    That is why they need to be forced to give back what they stole and hijacked from the people. Otherwise there will be no peace and harmony anywhere and few will survive this manufactured evil plan by these evil mastermind control freaks.

    It is all about restoring our Liberty…our freedom and independence and that means these crooks need to be held to account by WE THE PEOPLE and forced to pay back everything they stole and hijacked from us.

  2. TBTF FOREIGN COMMUNIS KORPORATE AMERIKA ROBBED WE THE PEOPLE….THEY OWE WE THE PEOPLE INNUMERABLE AMOUNTS OF MONEY…! SEND THOSE GREEDY GLUTTONS AKA TBTF KORPORATE AMERICA THE BILL AND GET YOUR SATISFACTIONS AMERICA…!

  3. @Louise, Stripes, Poppy and all

    At this time in history this massive bridge conspiracy all comes down to that the money made by the Banks, The Title Companies and the Wall Street Investors be forfeited back and belongs to the people and the USTreasury.that it was stolen from

    It is up to the Judicially of this Country to uphold our Constitution If this Country wants peace it has to do justice and that starts with honest and ethical judges in our Courts.

  4. TIME FOR WE THE PEOPLE TO PULL THE CREDIT LINE TO OUR WEALTH OUT FROM UNDER FOREIGN CONTROLLED NAZI/COMMIE/SATANIST KORPORATE AMERICA….AND WE EVICT THESE DEADBEAT FELON SQUATTERS….!

  5. OBAMACARE IS THE WICKED WITCH OF THE EAST AND NEEDS TO BE BURNED AT THE STAKE.

  6. OBAMACARE IS AN ILLEGAL CONVERSION OF OUR CONSTITUTIONAL REPUBLIC AND AN INCORPORATION OF TOTALITARIANISM BY COMMUNIST SATANIST FOREIGN IMPOSTER CONTROL FREAKS…!

  7. Time to cut off WE THE PEOPLE’S TRUST AKA PT FUNDING TO THE TBTF CORPORATE WHORE.

  8. THE TBTF CORPORATE WHORE OF CONSUMERISM IS IN REALITY COMMUNISM/SATANISM.

  9. Steve Liesman on CNBC said the main problem for the whore AKA TBTF Corporate is the American people need to get back to work to keep feeding the TBTF CORPORATE AMERICA whore of consumerism.

  10. We need to take the lying bullshit by the horns.

    In cook county, Illinois Louise, if you go to the branches of the Main Recorder of Deeds office you cannot view your your property title privately. If you go nonline or to the main Recorders office in the back of Chicago’s City Hall you can view your property records privately.

  11. It is about time TBTF Corporate America stopped pretending who they are…they are the whore of Babylon for Babylon by Babylon. Therefore TBTF CORPORATE AMERICA ARE BABYLON….. They rebuilt the Temple of Babylon off of our backs by rampant consumer fraud and deceptive practices. The temple of Babylon is the Global CORP AKA THE NEW WORLD ORDER/OBAMACARE.

  12. I am at the courthouse pretty much every week. I am not pissing off the staff at the Clerk of Court’s office. When I look at files, I just ask the person in charge of the files to look at a file by number. Then I do not get any flack. I view the file, make the copies, tell everybody to have a good day, and I leave. I have been in litigation for over five years Pro Se. I have had plenty to say. BTW, I am still in my house and have opened up another lawsuit this year.

  13. Louise
    I grew up believing discretion was good.
    Discretion is not going to save this country.
    Opening up one’s mouth will.

    When I reacted to judge Schlesingers corrupt decision it was a rare person to speak openly about a bad judge. I have no regrets that people know that Schlesinger is one of the best judges money could buy.

    When you see something say something.
    That is how we will save our Republic.

    Stripes says in a language different than mine
    But her message is getting thru.

    An old saying – you have to take the bull by the horns

  14. None of the lying criminal bastards ever thought they would get caught intentionally making peasants out of all of us. Corporate Amerika and their fake Corporate Presidents and CEOs are all front men for our robbery.

  15. Correct typo….they are all collecting a paycheck from us to screw us…!

  16. These media crooks will be the first ones to tell you…you didn’t pay for anything because they are all on the U.S. TAXPAYER’S DOLE…..and are making high six figure salaries and more for lying to all of us. They all need to be fired along with the lying politicians for defrauding us. Collecting a paycheck for us to screw us…they are all Johnny paychecks…frauds & big fat phonies…Hollywood and the music industry as well…the entire Corporate crew of crooks need pink slips from WE THE PEOPLE.

  17. TIME TO REMOVE TBTF CORPORATE AMERICA FROM OUR PAYROLL…THEY ARE ALL GREEDY CROOKS WHO ARE BEING PAID ALOT OF MONEY BY US TO SCREW ALL OF US….!

    PBS are soo greedy it is pathetic…..we fund them and pay their way and they still fundraise and ask for more money. These crooks use and abuse the meaning of charity to gain unjust enrichment for their investors. They are greedy heinous crooks.

  18. These mainstream media puppets are a bunch of real greedy sickos as well for covering up the truth from the American people.

    They are all being paid by us to cover up the truth and lie to us about this communist/satanist plot to take over America. CORPORATE AMERICA AKA TOO BIG TO FAIL all need to be handed their pink slips from us…their walking papers.

    TBTF CORPORATE AMERICA are all no more than thieves and lousy renters who don’t own anything and all need to be evicted by us. They are destroying our property….OUR SECURITIES.

  19. These foreign imposters are what I call our frenemies….our fake friends who do nothing but use and abuse us because they want to fraudulently control us.

    Pope John Paul II was a saint IMHO because he took a bullet from these evildoers to save us from a global coup de tat by these communist/satanists.

    Some call them communists … spies… I call them satanists.

    Pope John Paul II stopped them by consecrating the heart of Russia to God by way of the Blessed Mother.

    I believe he succeeded in preventing all of their evil plans from coming true by revealing to us the signs.

  20. Correct typo…same scam with the wi fi enabled cell phones are tracking devices being used to track us by foreign imposters. These foreign imposters are not our friends.

  21. BUYER BEWARE…..there is no way you can 100% protect your computers security or your Security from criminals. It is compromised from the onset because the IP ADDRESS IS REGISTERED WITH IMPOSTERS TO OUR CONSTITUTIONAL REPUBLIC.

    We have all been duped. The crooks all have access to our personal information via the IP ADDRESS…Because of wi fi anyone can pick up your computers signal and hack your computer files. Our Security has been compromised by foreign imposters to our Constitutional Republic who are intending to permanently harm us. That is why they hijacked our Securities.

    Whoever says they don’t care because they have nothing to hide are being played for fools. They use spying on us to fraudulently control us. Same scam with the wi ri enabled cell phones. They are tracking devices.

  22. Its called Kaspersky not Kasperkey. LOL! I run the commercial Kaspersky program. Cant get Me!

  23. L I have no virus
    I open every thing on my phone first so it never gets in my system
    Kasper key is better
    Who ever was attached to ML is gone now

  24. B, sounds like your computer needs an upgrade in virus control. Get Vipre and only use Internet Explorer and Google chrome as browser. Believe what Vipre tells you in its popups. This will help keep your computer safe. You can go around the end zone on certain websites if you are so inclined. Otherwise, believe what Vipre tells you about infected anything on the Internet.

  25. ML, I have been working in litigation for over 35 years. I know how to make a record. You are right. Keep everything. You can also go to the courthouse and look through the records they have on line and check it against your record by just keeping your mouth shut. Discretion really is the better part of valor.

  26. Stripes
    My computer like 100,000 who subscribe to the service were forced to update and there in lies the glitch. Till the provider figures out what they are doing. I’m going to the library. i thought if somehow they shut the computes down nationwide i would know how to find some of you again.
    The way things are going who knows

  27. Who are the NSA really spying on and for whom is the real question. There is definitely something sinister about the tone of the controversy between Russia and the U.S. over Snowden. Why would they all be ratting on themselves and pointing the finger of blame at each other? Some are calling the whistleblower a criminal and some are calling him a hero. It is precisely what is going on in fraudclosure court.

    The spy agencies are obviously so entangled in their own web of lies they have all entrapped themselves and the only ones who are getting out of it are the spies themselves because there are too many of them and they all know too much.

    Game over. They spy agencies lose. The spy who loved me wins.

  28. It is true, all traitor’s are being revealed. That’s what happens when you dabble in the spirit world and try and play God by resurrecting the evil spirits of the dead Hitler and Stalin. They are really asking for the fury of Gods wrath.

  29. Glad to do my part in ruining your Nazi plans, trolls. I have had more than enough of the Nazi experience to last me for at least ten lifetimes.

    Nice try….but you’re done.

  30. What ever you did this one opened & closed with no problem
    Thks for fixing this problem

  31. the internet service did some testing and said it is not me. When IO post from the library you will see if you still get it.

  32. @B.Grover
    Some “people” here just LOVE to attack—for some strange reason…best to just ignore.

  33. ML NOTHING AGAINST YOU
    someone is using you & I thought you should know
    Your last post was still infected

  34. Your not right in the head stipes
    Why would say such a thing when all I have done is give the facts?
    You are ruining everyone’s experience here by over wellming responses
    I have not read any of your rants for mths
    The fact is I am a constitutionalist
    Trained by a great leader OSI father that was a Flying Tiger so go ____ yourself or apologize

  35. BIJAYA
    IT IS NOT ON MY COMPUTER..

    THEIR ADVICE WAS JUST IGNORE HIM.
    sOMEONE WANTS YOU TO STOP POSTING AND THEN YOU COME UP WITH -STOP POSTING — ODD.

  36. BIJAYA IS A NAZI CROOK..!

  37. Louise
    my computer was down. The rereree changed my transcript at a hearing so when i did my appeal i ended up spending alot of money so that i HAD MY WORDS RECORDED IN PRINT AND ALL THE PAGES WERE BOUND.
    tHEY AT ONE POINT STILL CLAIMED THERE WAS NO RECORD OF MY CASE AT THE APPELLATE COURT BUT THAT WAS HARD FOR THEM TO PROVE SINCE THERE WAS A BIG PRINTED PAPER TRAIL, AND CANCELLED CHECKS AND FEES TO ALL THE COURTS ETC.

    kEEP EVERYTHING AND MAKE COPIES

  38. The Nazis are here on U.S. soil poppy. They never thought they would get caught and they will never tell you the truth. This is war on our Constitutional Republic. Screw them. They don’t own jack shit and don’t let them tell you otherwise.

  39. Agreed
    Once again trying to delete but, this time I just deleted and it would not until I closed & reopened the application ML YOU HAVE BEEN INFECTED

    stop your posting until clean

  40. Unfortunately, this blog is the only way to reach me. You might want to call someone to work on your computer and clean out the bug.

  41. Never contact any of these people. If you cannot verify WHO they are or what they want DO NOT TRUST THEM….!

  42. DON’T TRUST ANYONE MARILYN…

    It is all NAZIISM disguised as “THE NEW NORMAL.”

    WELL GAME OVER NAZIS…..! PAY US BACK WHAT YOU STOLE & HIJACKED…..!

  43. stripes
    Something is going on. i have no idea what Bijaya claims i am doing i called my internet provider and they told me it is on his end. Then my computer went down. here is my po box 154 West Sayville ny 11796
    if you would send me some way to reach you. m.

  44. They no doubt gave it a virus marilyn…the e version of MERS or something.

  45. These Nazi’s will never bite the hand that feeds them our money. They might make fun of themselves and pretend they hate the Nazis but they are Nazi’s and theg are all in the fourth Reich together trying to control us and steal everything from us. It is all about the CONTROL FRAUD by mind control they maintain fraudulent control.

    They are all big fat liars…!

  46. stripes
    my computer went down

  47. The Aryan Brotherhood are having a KKK rally right in front of our faces America…! They hate everybody. Tosh and Comedy Central don’t hide who they are. At least not completely…!

  48. That stinks poppy. However, while they have their evil eye on us, we have both of our eyes on them.

  49. To these crooks it is more about winning the game then anything. Playing the game is fun for them but it’s really all about winning.

  50. Yahoo, has deleted many of mine, especially when I rant about the banksters….telling the truth is not celebrated on Yahoo.

  51. Why would Yahoo delete our messages ….that is the question.

  52. GOT TRUSTEES RECEIPT…? ANSWER…NO THEY DON’T ….WHO DOES?….WE THE PEOPLE DO …WHY? ANSWER….BECAUSE NEGLIGENCE IS NOT RECKLESS…IT IS A CRIME….AND WHEN THAT NEGLIGENCE IS INTENTIONAL…INTENDED TO HARM…THAT IS FELONIOUS… THAT’S WHAT THEY DON’T WANT THE AMERICAN PEOPLE TO KNOW. INTENTIONAL CONCEALMENT OF A CRIME IS ALSO A FELONY. NO MATTER WHO YOU ARE.

  53. That’s because that song PINCH ME by BARE NAKED LADIES makes you think…and they don’t want that…

    When you think you realize the emperor has no clothes…no ownership of us or anything.

    It is all about intimidation and mind control with these crooks. Once the majority wakes up and realizes that, their game is over.

  54. HOW PREDICTABLE AND HOW FITTING THEY WOULD BLOCK AN INNOCENT BARE NAKED LADIES VIDEO..LMAO…ROF…!

  55. B. Grover: Yahoo does not always delete my stuff either. No one long distance has the ability to prevent you from deleting any E-mail post. It is your computer or ISP provider.

  56. Nice

  57. As I wrote you a few weeks past when I reply to you then delete, your message does not delete, now if I just delete you with out reading it will not delete, not opening is the only way you are deleted

  58. A personal note: I will never believe that fighting for one’s life, land, liberty, truth and justice is a lost cause.

    That is all we are as people. The fight is not about the house, per se, it is much bigger than that. Our country and its values have been compromised. This a fight worth dying for, if necessary. Some here who fail to understand that are not worthy of having any of it.

    Freedom and liberty are at stake…nothing is more important. The law of the land is what keeps up civil and imposes a burden of fairness and equity for all, not for the few, who lie, cheat and steal other’s earnings to secure their lofty positions.

    This fight is about the people; We are here, not going away and taking back what is ours, especially our freedom to make contracts, live, laugh and love with ideas that should be heard and WE make everything in this country work!

    So, banksters, politicians and Wall Street, we are coming to get you and throw you off you thrones, you are not worthy of what you have, you belong in the trash dumpster!

  59. Bijaya
    Explain to me what you think I am doing? i hardly know anything about a computer.Thanks

  60. Thanks, ML, you too

  61. No need to PINCH ME…..I know I’m not dreamin’ but these crooks are living in an alternate universe what I like to call the Twilight Zone….

    So my personal Declaration of my Independence this Independence Day is …. maybe I will turn on the sprinkler and run through with my gym shorts on in other words …I will do whatever I feel like doing today……..because when you get it you know there are no limits and no exceptions to being free & independent in the freeist nation on earth…..GOD BLESS AMERICA……!

  62. Marilyn Lane
    Your post should not be allowed until you send it with out phishing software
    When after deleting your post it stays
    This wrong and you should correct it

  63. Judges will do nothing short of a writ of mandamus
    They are in the banks & title co pockets
    Just ask Hydrogene
    A threat of mandamus was the only way the clerk issued my default judgements

  64. Christine isn’t even fighting foreclosure. She is another Foreign Imposter to our Constitutional Republic. She is an agent of evil working for the agency of evil AKA TOO BIG TO FAIL….THE SYNAGOGUE OF SATAN…CORPORATE AMERICA. A FOREIGN CONTROLLED CORP WHO PRETENDS TO BE AMERICAN TO ROB OUR WEALTH & PROPERTY FROM OUR HIJACKED TREASURY DEPARTMENT.

    NOTHING THEY DO IS LEGAL AND EVERYTHING THEY DO TO ROB & FRAUDULENTLY CONTROL US IS DONE UNDER FALSE PRETENSES…

    OBTAINING MONEY OR PROPERTY UNDER FALSE PRETENSES …..IS A FELONY IN AMERICA…!

  65. When are the judges going to be on the side of the people?

  66. They know nothing they ever do is legal let alone moral or ethical. They are the lawless ones and they are always irreverent about it.

  67. Christine
    You wouldn’t be interfering in a lot of posters here in their cases in which you know nothing about if it weren’t for your nazi commie spirit.

  68. Stripes
    Christine
    Judge Schlesinger counts on jerks like Christine to listen to her tone, I count on the law of the land handed down by issues decided in Federal court and the US Constitution.

  69. THE TONE OF SCLESSINGERS DECISION WAS EVIL…..AN EVIL ACT BY EVILDOERS. You can’t make sense of this level of evil unless you are evil. That is why none of what these agencies or their agents say ever makes any sense. Evil is illogical nonsense. Evil aways does everything ass backwards. It aims to confuse, distract and hide the first place issue….WHERE IS THEIR SECURITY AGREEMENT …. THEIR RECEIPT? THEY DO NOT HAVE ONE THEREFORE NOTHING THEY DID OR ARE DOING IS LEGAL….!

    The truth is the Synagogue of Satan is an evil cult that has hijacked our great nation and the world and they never want anyone to escape.

  70. These kinds of horrors are not genetic, they are pre-programmed by these agents of evil. This kind of evil is not born into the world, it is lab created.

  71. I can clearly see these horrible times we are all witnessing were not created by human err but by inhuman sins by inhuman sinners.

  72. These people are blind and do not believe in the Grace of God ….divine intervention or divine punishment. That will be to their own fear mongering peril.

  73. Yeah right Christine. Why don’t you bear witness to your own Deadly Sins instead of telling us we don’t see them. We are not blind and we see them….

    PRIDE
    ENVY
    GLUTTONY
    LUST
    ANGER
    GREED
    SLOTH

    Maybe you should read about them here Christine because you and your criminal friends match the profile…….

    http://www.deadlysins.com/sins/

  74. Happy 4 th Marilyn …! While the Gluttons gorge themselves at least we know we are free because we are not mind enslaved by them or to them.

  75. ML,

    You blew your case with your allegations. The TONE of Schlesinger’s decision proves it. The TONE of the decision killed your case. Any normal individual would go back to the ruling and read it carefully, along with your petition and motions and try to figure out why the judge used the vocabulary she used. Look at other rulings from Schlesinger and compare them with yours. That’s what people with half a brain do. You pissed her off! You didn’t play by the rules and she got incensed.

    What triggered Schlesinger using that TONE in her decision? As far as i know, not one person posting here has lost with that kind of TONE in the ruling. They lost on what the judge felt to be a matter of law. You lost on the stupidity of your allegations.

    Know what? I can say that until I get blue in the face. You won’t get it. Keep rehashing and harping.

  76. Too bad evil and its agents and agencies never take a holiday. Even when you win they will tell you that you lost. When you lose they will tell you that you won. In a nutshell they are ignorant, rude, licentious haters of anything good. Don’t listen to them because no lie lives forever and they are sore losers and jealous of anyone who gets it. Evil never really wins and I know God always has a better plan.

    In other words to hell with them and what they say.

    A good example of how evil works is the lying “free” attorney who told my sister & her husband after they were wrongfully fraudclosed by Chase 2 years ago and are fighting eviction by the crooks….You are going to get kicked out in 5 months. But you should consider it like “you won” because you haven’t paid a “mortgage” in 3 years.

    Their first mistake is to believe a “free” attorney or any attorney if you never did your homework.

    My sister and many others are beginning to see the evil is no longer hidden but right in plain sight. Many are starting to see the time is at hand for big changes in this country and this world.

  77. Same to you Stripes, Poppy, Louise, John, Neil, Kelly etc. thanks for working to defend our great republic.
    I am going to eat my Soy dogs now.and my red white and blue strawberry shortcake.

  78. louise
    This is no picnic. Way Way back The Referee changed the transcript before the fraudulent auctions. She is gone from the case, the Banks original corrupt attorneys are gone from the case and what i and others are left with is the damage they did.

    The banks new attorneys admitted that they never owned my properties when the long gone corrupt attorneys auctioned them to straw buyers a chinese Fang Li and a greek Cheetah Realty who started the flipping process of forged deeds.

    it was judge Schlesinger duty as an american sitting judge to obey her oath to the Constitution BUT because she wanted the”EQUITY” offered by Fidelity Title and David Fiveson’s scam title company he called Coronet Titlle judge Schlesinger turned her back on the US CONSTITUTION .

    As Christine wrote, she doesn’t need the facts she can make a dedision without the facts.

  79. Happy Independence Day everyone…!

  80. ML,

    Whatever. Remain delusional at your leisure. No attorney is ringing your bell to represent you though. Any idea why?

    Unreal…

  81. @Christine

    The only difference between you and judge Schlesinger is that she knows the law and wrote a lying wacko opinion and you don’t know the law and lie.

    if ths illegal ruling by Judge Schlesinger stands it destroys the Supremacy Clause of our Constititution and the March 3rd, 1875 Act of Congress which states; it was the duty of the State Court to accept a Petition and and PROCEED NO FURTHER in such suit C137, Sect. 3 ., Stat. pt 3 P 470. The Record vested the Federal Court with complete jurisdiction.

  82. I am doing both at the moment. The more I learn the better I can fight. If that is what I am actually doing, I am in limbo? Waiting for the judge to actually step in. Just waiting. Until then I have all this ‘stuff’ to absorb and think of the best way to use it. What poppy said, about people not knowing they were signing up for a loan that was going to be tossed through the blender and traded around, whatnot. They would not have done it if they knew. Securitization, I am not sure I will go down that road unless prompted or the judge takes interest in listening. I am just taking it all in, learning what can make my arguments stronger or hurt me. Sorting through the bullhog in here, one day at a time. Happy 4th to All😀

  83. @Marilyn: My point was that although the New York Supreme Court sounds like the highest court in the state, it is not. It is state level court. Screwing with the records has been done on my case as well, but only the transcripts, not the records at the Clerk of Courts office. However, I know other people who had Clerk in their state who tried to prevent the plaintiff from filing documents.

  84. Whatever. No skin off my bones. You ain’t gonna get anything back anyway. Knock yourself out…

  85. poppy
    well said and I.m not going away either.

  86. You really need to not listen to some of this stuff. It IS wrong.

    There are no absolute authorities on this blog, even Neil…these cases are all different, at some level. I just got a settlement from BOA and within a week they sent me a letter after they had to pay tens-of-thousands of dollars, they were instituting an escrow account, which I never had and never didn’t pay taxes, insurance, etc…they “erroneously” forced a suspense account. We will be back at it…this is NOT done. There is so much more I could share, but not on here, they monitor this and all other blogs…some of this IS winnable, trust no one. verify and check every piece of advice…you do not know people here, including me. But my cases are public and verifiable. I am no one special, but am a creditor against one the big parties, frankly not sure how we did that, need to check…but make no mistake, this IS doable.

    Some are lying here and really ponder why, your life, liberty and land depends on trusting your own instincts and moving forward!

    Just my $.02 They need to know I am not going away, unless they kill me.

  87. Louise,

    ML is hanging onto something she doesn’t or can’t understand.

    Rather than wasting your time, here is the short and the long of it: Judge Schlesinger issued a decision whose tone equates being branded on the forehead with a hot iron. No one can recover from words in a judgment, such as “bad faith”, “frivolous”, “non meritorious” and “vexatious”. No one. And no judge uses that kind of language lightly. Judges are not in the habit of issuing decisions that can damage their career!!! Judges didn’t make it to judgeship by being stupid, delusional and so incredibly biased that they would need to be removed from the bench. That woman went to law school and has a glorious career working for Legal Aid and defending poor people. Completely out of ML’s league and understanding. Everyone who came afterwards had the ability to read that ruling and, if you read that file, you’ll know that they all ruled against ML because the woman doesn’t know the law and didn’t follow it. She still doesn’t know jack, by the way.

    I don’t know the specifics of ML’s case and I don’t need to. Nor does anyone else. That kind of ruling sealed her fate in NY court and she still doesn’t want to get it. Now watch when she accuses me of wanting to stop her from fighting. I don’t.

    Go ahead, ML. Try something else if you can. What a waste of time and energy…

  88. Agreed poppy
    Most states have laws against keeping found money over certain $ amount
    Most consider it a felony

  89. Iwantmynpv said: “You guys are fighting the past… the banks mortgage mess is already over…the rest is simply sifting, separating and removing folks from their property.

    Two weeks ago, I left a similar message – they are redefining energy markets and we will pay dearly.

    Stop being so weak – get with the times…

    Mortgages????, you will save 3 in 10, and the rest will gradually be pushed toward the exit…”

    That’s what I’ve been saying all along. What has been going on behind the scene clearly shows that people will not get compensated. Those who were part of the first waves of foreclosure better get on with their life, learn a foreign language, learn some exportable skill. The few who managed to survive the fight will probably come out on top. It is NOT an American story. It is a worldwide story with IMF scrambling to forgive the debt of country after country. There is a big picture behind that. Where do you think IMF is finding the money? It is a story of redistribution of wealth worldwide FOR A REASON!

    Call me commie, Nazi, fascist or anything you wish. It doesn’t change the reality of what’s going on!!! And fighting it instead of trying to understand what’s going on ain’t going to help anyone either. Your life. Your health. Your future.

  90. Louise
    My Show cause orders were filed in new york Supreme Court.
    In New York that is our trial court.

    i timely appealed judge Schlesinger wacko decision in the First Dept of the ny Appellate Court.

    The Appellate ‘s five page decision completely discarded all the Rules of law and the US Constitution and knew that they could get caught covering up for judge Schlesinger that the Appellate Court lied and changed the dates in their decision of when my Federal petition was in Federal Court.

    From the Apellate Decision i filed a motion directly with the new york Court of Appeals (New York States highest Court) asking for leave to appeal to them, since the route is usually asking the Appellate Court for permission to Appeal.

    our Chief judge Jonathan Lippman decision states ‘Motion for leave to appeal dismissed upon the ground that the order sought to be appealed from does not finally determine the action within the meaning of the Constitution.”

    i made a motion to the Appellate Court for ‘a final determination within the meaning ofthe Constitution for purposes of an appeal to the Court of Appeals’

    The Appellate Court answer was ‘motion to determine action within the meaning of the Constitution for purposes of an appeal to the Court of Appeals denied.’

    Sometimes after checking my case i was ‘informed ‘ i never appealed and then my records were conveniently lost but since i have cancelled bank checks, for all the court fees, bills from one of ny’s finest appellate printers and records of Fed Ex and the postal service, i proved that would be a fraud to dispose of my case that way.

    and the crooks with their forged deeds are still in possession of my two condos

  91. Marilyn, Many states have differing names for their courts. Why don’t you explain what level court you were dealing with in New York state? Thanks,

  92. PoppySubject: File No. S7-35-11
    From: marilyn h Lane
    Affiliation: concerned individualSeptember 5, 2011
    The abominable banking system that is in place today, gives a bank great incentive to foreclose on an Ultra Vires contract, as the bank demands lawful money returned for the unlawful money lent.
    By what Authority are the Banks doing this? There is no authority for doing this. This is in complete prohibition to Art 1 Para 10 Cl1 of our US Constitution.
    All of our cases with slightly different facts all stem from the same Fraud.
    The Bank did not lend you LAWFUL MONEY but the Bank intentionally wrote
    a bad check and gave it to you –to circulate as money
    I certainly did not know this kind of fraud was going on when I signed my mortgage and note. Did you?
    The Mortgagor puts up a down payment, the Mortgagor pays a lot of fees and probably paid an attorney to represent them, all in order to get this bad check
    Would a Mortgagor have put in all that money, if one knew the truth of how the Banks ran their illegal business. I bet not.
    Did anyone notify you after that big day – the Banks check bounced – of course not. When the check that the Bank wrote came back to the Bank that wrote it, the bank didnt say we only have 5% , if that much and it was not stamped insufficient funds the bank stamped it paid
    So since the Bank did not have the money sitting in the banks account when they wrote the check, what the bank gave you is their credit.
    That is exactly what is prohibited by Art. 1 Para 10 Cl 1 of the US Constitution.
    What authority gives the Bank the right to make contracts with bad checks
    Nothing- Nada.
    Lawful money is needed to make a contract valid.
    Over and Over Mortgagors gave a Bank a mortgage on their castle , in return for a Bank giving you a credit entry on their books and charging you Interest on this credit. Also illegal.
    Did the Bank give you lawful money or is that what you got, credit?
    Banks are not allowed to lend their credit- Banks are in the business to lend
    lawful money There is not a Bank charter that allows a Bank to lend their credit.
    And as we continued to make monthly payments the Bank collected more money on their fraud.
    You try writing a check when you dont have funds sitting in your account to cover it.
    You can be sure that check is coming back markedinsufficient funds You are not allowed to do it and either is a Bank.
    This scam of Ultra Vire contracts caused injury to us, the true homeowners.
    In addition the banks are laundering bad checks.
    The Banks violate Truth in Lending Laws.
    The Banks are collecting Interest on money that doesnt exist. (Lending you 5% and collecting Interest on 95% of thin air)
    And once the Bank gets their Ultra Vire contract going, they start flipping them to MERS, Securitizations , Wall Street, Title Companies etc. there is no shortage of people all wanting to get their piece of the illegal profits.

  93. Even if you did bijaya, they would have stolen the money and still took the property. How anyone can say this is a securitization issue I don’t know. Theft, Felony behavior. It is my understanding one cannot take money, under false pretenses. Simple…nothing to do with anything else.

  94. When the rubber meets the road & sverage Joe wakes up we need to have a fresh start with morally based people
    Catherine Austin fits at Solari.com has it right

  95. Agreed
    They have no right to trade DOT on unsecured debt
    Totally ruins any semblance of reality
    Carpenter vs Logsn makes it all a nullity
    Void able
    It is ell worse than Madoff

  96. No paper trail in my 2 mods because I never completed either trail period

  97. FYI: I am not looking for a confrontation, but I see much more here.
    These, so called, servicers have no rights to anything and they are NOT working for the proper parties. The law has not changed, the same rules of liens and recording still apply. The rule of law has been abandoned, so has the minimization of Felony behavior been condoned.

    IMHO, this cannot be allowed…we have become a lawless society, with the exception of mere citizens who are required still, to comply and obey, where the government and corporations do not….this is not going to end well.

  98. You still cannot get past the lack of a proper lien, unsecured debt (if the debt is really a debt) that does NOT have any right to land, DOT! That’s my fight, not a mod…

    Have you checked inpv, the Fannie sales to new buyers? I have, waivers of everything, language of “known and unknown defects”. No paperwork for the property, land title. The reason FHA wants the entire loan with PMI, the possibility of notes sales to multiple parties coming forward claiming rights…I see what you are saying, but the fight is not, for some of us over…the lying-ass HAMP crap! All garbage

  99. You guys are fighting the past… the banks mortgage mess is already over…the rest is simply sifting, separating and removing folks from their property.

    Two weeks ago, I left a similar message – they are redefining energy markets and we will pay dearly.

    Stop being so weak – get with the times…

    Mortgages????, you will save 3 in 10, and the rest will gradually be pushed toward the exit…

  100. I am so entirely sure that every modification that the majority of modifications are new terms, for a new note, with a new lender, for a new securitization – I openly disclose to clients that they will be signing a new note as a result of a trial period.

    The 90 day trial period is no different that the Shelf registration that goes live in 90 days – with a closing date and cut-off date.

    Now, the modified ACCOUNTS are repurchased from the original pools and re-securitized into a new pool that is sold to investors via Private Placement Memorandum. These new structures do not file a registration statement with the SEC because it is a private placemnt with accredited investors – Go see how your TARP and Legacy Funds are really being used behind the scenes – look at the grantor trusts springing up everywhere, guess where the modified (lol) note is going and who the new investors are?

    Try to track down an individual loan sold through a private placement!

  101. Happy Independence Day Everyone!
    Live, Love, Laugh & Learn!
    Many Blessings to You All!

  102. IT IS WAY PAST TIME WE THE PEOPLE CUT OFF THESE TOO BIG TO FAIL CREEPS AKA CORPORATE “AMERICAS” CREDIT LINE TO OUR WEALTH…..AND TAKE OUR TREASURY BACK AND RESTORED OUR OWN LIBERTY….!

  103. If it were not for her divine intervention on earth the Pope and Reagan would not have survived their assassination attempts. They need to start fessing up to their crimes against God.

  104. Don’t believe their lies about the Blessed Mother that Catholics idolize her. We know she is the queen of peace and Gods messenger of truth. These warnings are her last messages on earth.

  105. Time they returned the stolen wealth…the hijacked Securities and let there finally be peace on earth and goodwill towards everyone.

    1000 years of peace sure sounds good to me.

  106. These evildoers….agents of evil better watch their p’s and q’s because while they are spying on all of us, God is watching all of them. God sees everything they are doing and we are all his watchtowers….bearing witness to this evil with God and for God.

  107. Why would anyone want to steal anyones liberty…? Their freedom & independence ….? That is the ultimate sin, the face of evil.

    OBAMACARE WAS DEFINITELY THE LAST STRAW.

    The warnings were clear… when they tell you everything they are doing is for your own peace & security there will be no security…

    Watch China & Russia…

    Meaning there would be no liberty. They broke the final seal with that one.

    OBAMACARE would mean the end of our liberty…our Constitutional Republic.

    They are openly to some yet secretly to most, stealing the free will of the people.

    God would never allow that.

  108. They really need to give back what they stole and hijacked and stop being greedy, lying, envious, glutinous thieves who openly display and brag about their evil and hate anything good.

  109. I think there is still a small window of time left for them to make it right marilyn. I pray by the grace of God they all do the right thing for once.

  110. stripes
    I have to move again in about six weeks- I hope i’m not in transit then.

  111. It is like we are living in the days of Noah…

    They have committed all of the 7 deadly sins and are boastfully bragging about it.

    THE SEVEN DEADLY SINS…
    http://www.deadlysins.com/sins/

  112. I agree marilyn. There are many souls who have been lead astray. Satan knows his time is short and the final judgment is near. They do not realize the evil snares that are being laid to entrap them. Everyone needs to stay home and off their battlefield & stand their ground.

    There are supposed to be three days of darkness before the final judgement and a final chance to repent before the dreaded day comes. You are supposed to stay in your home…lock it up…cover all the windows do not go outside and let no one in. Only blessed candles will burn. I don’t believe this is a religious belief. I believe it is a warning from heaven. Everyone is supposed to pray and not even look out their windows until the time has passed. You will know the time has passed by a sign when the time comes and it will be permanent.

    I am a believer in signs and warnings that’s for sure.

    Almost time to batten down the hatches.

  113. I believe we are all bearing witness to the Second Coming…the way the truth & the light. Why? Because all promises are being fulfilled. The signs were all there, the truth and all of the judases are being revealed, and the dead are being resurrected. God is and always was in control and the only cataclysm will be cast upon the unrepentant sinners. God’s judgement upon the unrepentant sinners, their punishment will be extreme. The just judge will judge all of the sinners both dead and alive for their unrelenting greed. Their greed and sin has nearly reached its peak.

    That is my view from mainstreet.

  114. Stripes your right stay home and let Chrisitine go and get caught up in an uprising.

    and as you can see in my post below to looney Christine is what we don’t need is Christine and her working on mixing everything up.

    I just want to point out to Christine, Judge Schlesingers only duty to the Show Cause order was to” MARK” void -the judgments signed in a state court when the case was under Federal jurisdiction but just like you Christine she made up a wacky bubbamister to try to confuse the issue

  115. Worldwide arrest warrants for Obama & Bush says the link below but not PUTIN…THE POPE…MERKEL..JUAN CARLOS…CONGRESS…THE SENATE…OR ANY OF THE REAL DICTATORS….! MAWAHAHA…!

  116. RUSSIAN FORCES TO PROVIDE SECURITY AT U.S. EVENTS….BEST ADVICE….STAY HOME…!

    READ ABOUT THAT AND MORE KHAZAR MENTAL COUPS HERE….

    http://www.fourwinds10.net/

    Egypt is a distraction to what they are really planning…the fraudulently collapse of the U.S. DOLLAR…!

  117. IT’S A MAIN ARTERY THAT IS CALLED …..TREASURY DIRECT….!

  118. These third party foreign investor control freaks… AKA TOO BIG TO FAIL CORPORATE “AMERICA” do not want us to know there is only one bank in the U.S.A…..THE U.S. TREASURY DEPARTMENT AND THEY HIJACKED IT…AND ARE USING IT AS THEIR OWN PERSONAL BLOOD BANK….! THEY ARE VAMPIRES WHO SUCK US DRY AND ABUSE US BY ELECTRONIC FRAUD…!

  119. They don’t give a damn about the U.S.C. because they are foreign imposters to our Constitutional Republic….they hate our legal rights & they hate us and our freedom & liberty… AKA OUR PERSONAL & OUR NATIONAL INDEPENDENCE….AKA OUR SOVEREIGNTY. They ignore all the laws of this land to destroy us …they use our laws against us by hiding behind the Corporate Logos and our Constitution. They are all foreign imposters; fictitious payees…and greedy lying control freaks who like chicken…!

  120. @ Christine

    What a pain in the neck looney Christine is and what misinformation she posts on this site.
    ie: that I was delusional about being in the United States Supreme Court against the Bank

    All my papers from my case against the Bank are in a vault but I went thru some notes
    of papers that had to be served on opposing counsel (the Bank’s attorneys)

    From the SUPREME COURT OF THE UNITED STATES

    You are hereby notified that a petition for a Writ of mandamus in the above entitled case was filed in the Supreme Court of the United States on xxxxx and placed on the docket xxxxx.

    Unless the Solicitor General of the United States represents the respondent …

    Secondly, disputing more misinformation posted by looney Christine that I ACTED LIKE A MENTALLY ILL AND DELUSIONAL PERSON WHEN I FILED THE FOLLOWING PAPERS
    in Supreme Court of the State of New York
    ORDER TO SHOW CAUSE
    TO VACATE A VOID JUDGMENT
    FOR LACK OF JUDGMENT

    ….. I MAKE THIS ORDER TO TO SHOW CAUSE WHY VOID JUDGMENT XXXXXXX should not be marked vacated pursunat to 1446d
    (PROMPTLY AFTER THE FILING OF SUCH REMOVAL OF A CIVIL ACTION THE DEFENDANT SHALL FILE A COPY OF THE NOTICE WITH THE CLERK IN THE STATE COURT , which shall effect the removal and the State Court Court SHALL PROCEED NO FURTHER unless and until the case is remanded.

    ………………………………………………………………………………………………
    ………………………………………………………………………………………………from this Show Cause order judge Alice Schlesinger wrote that wacko decision which you Christine posted on Neils site trying to falsely accused me of being an irrational mental case.and your defending of corrupt title attorney Thomas Malone of Fidelity Title and David k Fiveson of a sham title company he called Coronet Title. …….

    Its is time you Christine stopped posting misinformation .

  121. Forcing modifications on a reluctant servicer is CONTROL FRAUD….IT IS ILLEGAL ….. FORCING LOAN MODS ON WE THE PEOPLE IS CRIMINAL BY ITS INTENT TO DECEIVE ….. IT IS ALSO CONTROL FRAUD & IT IS FASCISM…! IT IS ALSO A DRACONIAN MEASURE TO PRETEND A LEGAL CONTRACT EXISTS TO ENSLAVE PEOPLE TO SECURITIES FRAUD WITH THEIR OWN SECURITIES…!

    IT IS EVIL….DASTARDLY & NEFARIOUS….!

  122. Under RESPA, see 12 U.S.C. 2609 and 24 C.F.R. 3500.17 (c)(3),
    lenders MUST audit escrow accounts annually.

  123. BIG RED FRAUDULENTLY CONVERTED THE U.S. TREASURY DEPARTMENT …..THE TRUST FOR THE PEOPLES MONEY AND PROPERTY INTO ONE BIG JOHN FOR THE RICH AND IT WAS ALL ILLEGALLY DONE WITHOUT OUR KNOWLEDGE OR CONSENT… TIME TO FLUSH BIG RED DOWN CAUSE THE YELLOW IS MELLOW & ALL THAT REMAINS IS A BIG FAT BROWN FLOATER….

  124. They don’t need our money or property they are just big fat greedy lying control freaks.

    It’s all about the fraudulent control. When they can control your mind they own you.

  125. We were never supposed to find out the truth that everything we were told to believe was a grim fairytale….a big fat lie.

    It’s sad and it’s evil and it’s called Corporate Cronyism.

    It’s a big satanic orgy club that I wouldn’t want to be in.

    The best label for GLOBAL CORPORATE AMERICA I could think of is…….BIG RED….

  126. The real problem in America is poor, misguided souls…

  127. That is why they will never tell you what they are fraudclosing on..! MWAHAHA…!

  128. It’s all 100% evil and nefarious right?

  129. dan, illegitimate servicing fees come from losing payments, extra escrow charges, misrepresentation at closing (if the same party). LIBOR manipulation is a great cause of action if you had an ARM,
    surprised you are still in your house.

  130. Right on carie….They are fraudclosing on our autographs ….our unauthorized signatures…..NOT THE PROPERTY…….. That is illegal….!

  131. yes, my immaturity is showing. But where else would one come to set aside so much time to publicly humiliate themselves?

    Hey, I bought a vacuum cleaner yesterday.
    It really sucks.

    servicemaster knows.

  132. JG,

    That long tirade was not your usual style. Got me worried for a minute. But if you’re alright, good.

  133. I Agee Poppy
    The IRS is fully aware and is complicit

  134. Agreed Carie
    But the BK7 judge said take it up with congress since he did not see it as dier enough to allow an exception for me to have standing in an advisarial position filing & the trustee would not come forward to help but was okay with us filing the advisarial.
    It was a no asset case and property rights be dammed (homestead exemption not upheld) or protected. Said it was a congressional matter.

  135. Did Texans know that in Texas (and probably all over the country)
    that a sale has taken place at the time of the auction? The sale is not dependent on the issuance or recordation of the trustee’s deed. The buyer receives equitable title as a matter of law in TX (and like i said, prob all over the place). The value of this is that even tho legal title may remain in the borrower, he is NOT likely to be the guy who must answer for taxes, insurance, hoa dues, etc. To the best of my knowledge, by the way, most states have a time certain by which
    a trustee’s deed must be recorded (20 days, 30 days, like that)

    Christine, what’s wrong? As for me, I just think some people would rather arbitrate or compromise than argue, and that’s their right. That may not describe most of us here, but I know it’s true for some people – if they could even get the amt they owe down to, say, the value of the collateral and away from the rigged libor rates. I still can’t believe that libor deal. How much cheating will some people do to
    “win”? What’s next? Murder? Oh, wait…….

  136. Bottom line is the same as it ever was—they are foreclosing and evicting based on UNSECURED DEBT. PERIOD. That is a crime. Period.

  137. Just my comments: In a perfect scenario this would work, but I gotta say, I have a seized note from Credit Suisse, off New century misappropriating funding money from lines of credit by non-lenders. Per bankruptcy court, Carrington bought ALL servcing rights. The relevant issue here: Credit Suisse servicing is: SPS and Ocwen (remember the seized note), that is not who services for Carrington…I have tax statements from all 3 SPS, Ocwen and Carrington for 2007. Ocwen is trying to foreclose with a zero balance ledger. Now how is it Neil you are claiming HAMP is at work here or modifications with this scenario will ever work?

    It is my opinion only, but all servcing is not equal, meaning are these players really servicers, guided by the PSA? I say NO, emphatically.

    Tell me where I am wrong: how can you make an agreement with a party who is not readily identified as who they say they are? Wouldn’t that be part of the research? And where would a servicer, if that’s what you are claiming they are, get the authority to do a mod, if they are not working for or on behalf of the trust, when a vast majority of the trusts are closed, broke, loans never really went into the trust…these notes were converted/sold long before this trust issue can be addressed.

    It occurs to me, cause I have been led down many paths, the pleadings need to be directly correlated to your loan, not the generalized behavior of these entities, even thought they did do many of the same dispositions of the loans, the path in each case may be different and meaningful.

    I see this differently than most, not that I am so special, but I chased my tail for a long time, trying to understand things that do not matter, in the onset of court hearings. And I disagree with some who say there is NO fraud….the original contract is fake, where I like all of you here, never agreed to convert my note, which is tied to my asset and DOT(land actually), being sold multiple times (doesn’t matter what’s on their books, at this point), breaching the contract they made with me to borrow on my behalf and misuse the money, yet somehow make me responsible for payments of money that was never used for its intended purpose, effectively not securing any lien and making it impossible to remedy any adverse situation.

    At the end of the day…the losses they are claiming are another fraud, acquiring goods and services, under false pretenses…(money not used for its intended purpose) and it makes the originator designation false too, if they made a contract with me to borrow money on my BEHALF, never tied the money to me contractually, that makes the deed, originator(they did get a fee to broker the deal) as lender a complete fabrication…Just my piece, as always, not a lawyer…but the paperwork does substantiate this at least in my case AND I suspect many of you here have similar situations.

  138. The FED & their banks/sevicers & GSEs are still racketeering and committing Securities Fraud with our Securities. Now they are doing it on a mega dose of Steroids, U.S. TAXPAYER’S $$$$$$$$…

    It is all e fraud 24/7…

  139. Looks like the tables are turning…. Morsi the dictator is stepping down.

  140. JG,

    Something is very wrong. Been reading you for a long time. I can tell. Contact me if you want to talk.

    cbrightlife@aol.com

  141. 1ofthemany….I understand your point. We need to keep it together for the sake of our Constitutional Republic however, we do not have to be nice to them. I have forgiveness in my heart for those who change their evil ways but they haven’t. Therefore I will have no mercy on them until they do.

  142. Dirty nefarious deeds done with U.S. TAXPAYER MONEY….!

  143. Christine, at 5:06 – actually the banksters did, over and over, most notably ( to me, anyway), in NV BK court wherein “MERS” tried to get relief from stay, going as far as to say they were the holders of some of the 20 notes at issue. The bk court said no, you’re not the holder and you’re not getting relief from stay, which was upheld by the DC. Mitchell, lead case, 2009. But, yeah, yoiu’re right generally. They just come back with new crapinski because they have guys who are paid to do nothing but come up with it. They are organized in that regard and have unlimited funds.

    Did you all know FNMA and FHLMC loaned MERS 6 million dollars to get it going on way back when?! I was going to do a piece on it, but prob won’t get to it, so mentioning it now. How is that possible?!

  144. Under FNMA rules, at least the ones I read, FNMA guarantees payments on the (alleged) MBS’s. To end the guarantee, FNMA may repurchase whatever was sold (ostensibly the loans).
    Borrower defaults. FNMA keeps up paymens (which take 10 are never credited to the note balance alleged to be owing by the homeowner that I have ever seen and I’ve seen many). When fnma doesn’t want to do that anymore, gnma can repurchase the loan to end its monthly payment guarantee. Borrower defaults. Fnma keeps up the payments or buys loan back. Okay. FNMA owns loan again. FNMA will then foreclose.
    But, borrower wants a modification, which is a Mitigation imo of damages. FNMA says in order for that loan to be modified, the master servicer or servicer must first buy the loan from fnma. It wasn’t fnma that got the HAMP etc. funds, so that makes sense, right? (It was the yeahoo servicers). So what’s the stinking problem? When we know the real answer to this question, we’ll know something.
    MS, you probably know what you’re talking about, but you should, whereas we have no reason, no background to follow your technical issues. NG, I think as others, would say the servicer doesn’t want to ‘modify’ the loan because 1) there are facts unknown to us, certainly, and maybe even to the servicers, relevant to a) the loans actual existence and b) to the extent of recovery of a defaulted loan by way of a(n) (alleged) reaffirmation of the debt by a homeowenr, the servicer is on the hook to give back Lord knows how much money to others from whom it or a parent or subsidiary or whatever has collected based on the alleged default. Got me which – (a) or (b) – or both – or any is true, but we do need that answer. When a servicer does ‘modify’ a loan, is it committing fraud -or- what has happened, what did they come up with, to make them, the servicers with the hamp etc. funds, break down and actually ‘modify’ a loan? Could there be something or is it all garbage? IF a loan exists on which monies are owing, and the servicers have such a conflict of interest, they shouldn’t be the guys with the money. Now, that’s not new by any means,, but it’s getting late and we need to be on proving it, and NG, that isn’t going to happen until inroads are made on discovery of facts etc in the sole possession and control of the other guys.

    We need a website where investors and borrowers can get together, and I say this even if there’s no loan left (!) I’d like to see a court dishonor an agreement between the alleged parties to these transactions. If there is no trust cut-off date, and thus rules don’t apply, then equity for the benefit of the real parties* in interest can step right in.
    *the investors forked over the money and we borrowed money.
    “I don’t like it, but I can live with it” is sometimes the best one can hope for when it comes to the outcome of a royal pi$$ing match.
    Is it really that hard for people who should know by now to explain why there’s a patent conflict of interest for servicers to modify loans?
    And I did appreciate Danielle Kelly’s efforts, but she had a judge
    with a brain, apparently.

  145. stripes I was speaking of showing mercy to our own see where I said Except the EVIL pls take another look
    usedkarguy
    your arrested development is showing, can we help you in some way with your younger siblings, tolerance dear we need to be together not apart or THEY win, Honestly!!!…bowing out of the insanity here Peace to all

  146. IT’S CALLED THE LYING GAME FOR A REASON…!

  147. That’s right….its a ship of fools who are none the wiser..unless they educate themselves. Keep the suckers mind enslaved & slaves paying these sick hoarders money for nothing so they can all keep getting their shit for free…!

    Keep the mind enslaved believing the lies…THEY OWN EVERYONE & EVERYTHING…AND YOU CAN’T WIN…!

    OH HELL NO …! BUT HELL… LYINGS THE NAME OF THEIR EVIL FRAUD GAME…..!

  148. Humpty has written Dumpty telling them right out, as issuer, Humpty had placed the yolk into an MBS right after they BOUGHT it (cracked that egg ;] settlement/mod = two pooling numbers,waa! Insured X 2, ?? gnma could give a rats ass why not!? They are under fire? get paid by whom?,…oh, thats right. ….X< – I tell you,get that SID # and do not speak like an idiot they will tell you what they wold an issuer. BURN. Mod = you cannot pay in full/loss of income, etc. spot on UKG- why not get their signature ?? *bank* "Sure! we lost the originals….Yeah…..get that signature again". Diddo this article. Humpty fooled it's us once, then twice …"Hey.., were sorry, we know we committed fraud etc, but sign here this modification so we can do it again, X 3! Why? Because your a fool and don't know any better. Besides, my vacation resort your paying for is lovely"….they are "not allowed" to modify the loan conditions under GNMA anywho, so what is the advantage? Re-affirming the fraud or re-affirming the fraud and creating more debt for Dumpty/income for Humpty?…Yeah, I'd say … = Approve you once, twice, thrice, but Forked you when it was convenient for them; even when only approved once- TBTF, right?

  149. FRAUD, FORGERY & NO LEGAL STANDING ARE AFFIRMATIVE DEFENSES THAT ARE NOT HARD TO PROVE IF YOU DO YOUR RESEARCH AMERICA…….THE LEGAL PROOF OF INTENT TO DECEIVE & HARM IS ON THE FACE OF ALL OF THEIR FRAUD DOCS….!

    GOT DOCS?

    OH HELL NO THEY DON’T …!

  150. And then there was this one, also in 2011 (Chandlers was in 2011).

    Securitization Chain-of-Title: The US Bank v. Congress Ruling

    http://www.creditslips.org/creditslips/2011/03/securitization-chain-of-title-the-congress-ruling.html

    Not much of a trend-setting precedent either… In fact, come to think of it, does NG do any work in federal court…? Other than BK, of course, with its limited impact. Does NG ever advocate attacking first? I won’t take anything away from him: I’ll give credit where credit is due. But… how far reaching is BK defense?

    Boyko in Ohio was in 2007. BK defense. 6 years later, it has become some kind of a fluke… Boyko was a good result from a bad approach by a foreclosure mill. The judge’s ego made it happen. Knee-jerk judge’s reaction to: “Judge, you don’t understand…” Since then, have you noticed foreclosure mills have not made that same mistake again?

  151. BUYER BEWARE….! SECURITIZATION & STANDING ARE THE SAME EXACT THINGS AMERICA….! And these imposters don’t have it..!

    HEY UKG I THOUGHT YOU ABANDONED THE PIRATE SHIP…? OH WELL …ROCK & ROLL WILL NEVER DIE …. MORE STEELY KNIVES PLEASE…!

  152. STRIPES ROCKS…!

  153. FOX BIZ reporting Dr.Margaret Chan of the WORLD HEALTH ORGANIZATION says the MERS virus deadlier than the SARS virus and is a threat to the entire world…! MWAHAHA!

  154. However… there have been a handful cases won on securitization. One of them is here. I haven’t read the pleadings. i still don’t know on what exact grounds. I’m sure anyone can find it: Merrill and Laverne Chandlers. Doesn’t seem to be a federal case. Not much of a precedent…

  155. stripes blows

  156. stripes sucks.

  157. judges like to use the term “modification” to mean “settlement”. But there was no “settlement”. And why modify the mortgage and loan?
    the only reason I can think of is that the modification re-affirms the original paperwork. Okay, then the securitization is non-existent and we just put Humpty (the bank) and Dumpty (the borrower) together again. VIOLA! Hello lender counterclaims for fraud in the inducement and whatever else you come up with. All of a sudden the bank will claim “But…but…….we……..uh…..”

  158. Not my salvation Christine….I already did my homework. You can’t fool me with your lies & deceptions but, God help those that you liars can fool.

  159. Stripper,

    Hate to tell you but if your salvation depends on my not posting here, you’re in a hell of a mess. Holy Shit! The power I have! Your salvation in my hands, huh? Ain’t gonna happen except when i choose to. Deal with it. And sorry to break it to you so bluntly but… Garfield does a good job writing. Results based on his theories have been kinda lacking all along though. I want to see one case, just one case, won on his arguments. Or those of Anonymous. Or even MS. Not greedy: all I’m asking is one lousy case! ‘Cuz so far, plenty of losers here. People who spend an incredible amount of time reading this blog. And not one winner on those theories…?

  160. “As usual., hell is paved with “good intentions”. i believe we are governed by the morons we picked. I believe too that they don’t have a frickin’ clue what to do and there is no way anyone of them will ever have the guts to demand oversight and accountability for every penny of our money thrown at that everlasting problem.”

    Can I get this to go? In a cup, please. Steaming hot. I’d like to shove it down all their throats and watch them shit reality.

  161. Except Neil of course…!

  162. Our only hope for salvation, our peace & security, our freedoms and liberty to be restored by us is if the lying trolls like Christine would get the hell out of here. But they are agents of satan and they won’t.

    Do your research America. These crooks owe us a lot of money and they do not want anyone to know it. No lawyer is going to tell you that.

  163. Grover, That would be a hoot huh!
    ……………………..
    ……….MC,
    …….Can you even go anywhere arguing a forward contract with an f/c ~ opposition~ contract was mortgage/debt commitment, nothing other. *not UCC digging at the moment* – I BELIEVE Notes cannot be assigned,only endorsed. …And, most mortgage’s(or Notes, Apologies.Please forgive the *holidayiness* I shall call it) will state right in them the provisions of the two are “declared to be severable”…true, true. HOWEVER- The Note, *original*copy borrower has is not endorsed, servicers copy or whatever they have, is. If so & so bank has the original- but there exists a COPY fresh after the borrower signing it after closing/HUD-1- and it has NO nothing but that borrowers signature- the endorsement was placed *alteration* AFTER… – Which becomes dominant? One is or may be (if so and so bank ACTUALLY has the original) the original, and one is a copy, but was signed beforehand. (aforementioned statement) being- “legal recorded assignment” cannot carry the security, but a Mortgage assignment is a nullity? Hurh? Arguing a forward contract = failure of consideration? fraud in the inducement/common law?….breech of contract? – OK- if you have no endorsement of the Note, and a recorded “assignment of mortgage” that reads “was recorded together with the note & obligation” …..your saying it cancels each other out? I am reading what you wrote wrong or seeing it from a different pov…

  164. Everyday a new scandal…

    http://ml-implode.com/staticnews/2013-07-02_Bankschargedwithblockingcreditdefaultswapsmarket.html

    Banks charged with blocking credit default swaps market

    2013-07-02 — gata.org

    A two-year European Commission probe concluded that the banks colluded to maintain an anti-competitive grip on the market from 2006 to 2009 through their use of Markit and Isda.

    Investigators allege the relationship with Markit, which received most of the banks raw data, stopped Deutsche Börse and CME Group of the US starting rival services and ensured the banks remained indispensable dealers of CDS.

    The statement of objections is addressed to Bank of America Merrill Lynch, Barclays, Bear Stearns, BNP Paribas, Citigroup, Credit Suisse, Deutsche Bank, Goldman Sachs, HSBC, JPMorgan, Morgan Stanley, Royal Bank of Scotland, UBS, the ISDA, and data service provider Markit.

  165. As usual., hell is paved with “good intentions”. i believe we are governed by the morons we picked. I believe too that they don’t have a frickin’ clue what to do and there is no way anyone of them will ever have the guts to demand oversight and accountability for every penny of our money thrown at that everlasting problem.

    http://nz.finance.yahoo.com/news/us-banks-taxpayer-pay-lawyers-030105906.html

    US banks use taxpayer $ to pay lawyers

    AAPAAP – Tue, Jul 2, 2013 3:01 PM NZST

    US banks are getting tens of millions of taxpayer dollars through a key foreclosure prevention program to pay down borrower debt, but are also using the money to pay off their own laywer’s fees and other costs associated with taking back people’s homes.

    In Florida, the more than $US1 billion ($A1.05 billion) Hardest Hit program has been operating for two years, awarding struggling borrowers 12 months of mortgage payments and between $US18,000 and $US24,000 to bring a mortgage current.

    But some homeowners exiting the program are finding themselves still in debt and on the same path to foreclosure after their lender subtracted legal costs from the Hardest Hit stipend.

    While the Hardest Hit program allows lenders to use the money to pay their lawyer fees and out-of-pocket expenses, the federal law that authorised the plan forbids homeowners from doing the same.

    The US Treasury Department determined in 2010 that legal aid for borrowers was not allowed under the Emergency Economic Stabilisation Act of 2008. One of Florida’s original proposals to use Hardest Hit money was rejected because it included $US25 million for legal counselling and representation for homeowners.

    “Even though it’s a good-intentioned program, it is a funnel to the banks,” said South Florida foreclosure defence lawyer Rory Rohan.

    “The end result seems to be the banks get the money and the homeowner doesn’t get the house.

  166. I don’t mind the IRS doing its job of going after the money where it already is rather than fracking it out of the small guy to satisfy WS government-sponsored gambling habit. Hope we start reading more and more like this one…

    http://www.hedgeco.net/news/07/2013/irs-goes-after-hedge-funds-aggressive-tax-dodge-technique.html

    IRS Goes After Hedge Fund’s “Aggressive” Tax Dodge Technique
    July 2, 2013 : Permanent Link

    irs_logoNew York (HedgeCo.Net) – Super-successful hedge fund Renaissance Technologies Medallion is under scrutiny by the IRS for an unusual tax strategy invented by former Cold War code breaker, and hedge fund founder James H. Simons.

    The hedge fund has an amazing 80% average profit per year over the last 25 years, and the IRS is looking for its cut.

    Gawker says: “Renaissance, in essence, filtered its investments through a bank in order to claim that they were making long-term capital gains, when in fact they were making short-term trading profits. Then they paid the lower tax rate. The IRS calls this an “end run” around tax law.”

    Bloomberg reports: “The case highlights how hedge-fund and private-equity managers use loopholes to exploit the government’s preferential treatment for long-term investing income. If East Setauket, New York-based Renaissance prevails in its legal dispute with the IRS, dozens of other funds would probably take steps to mimic the firm’s strategy.”

    The IRS itself has declined to comment on the case yet, citing confidentiality laws.

    Alex Akesson

  167. This, on the other hand, is good news… provided that the money is recovered instead of the little guy having to support government-sponsored gambling habits of bankers and brokers…

    http://www.hedgeco.net/news/07/2013/irs-goes-after-hedge-funds-aggressive-tax-dodge-technique.html

    IRS Goes After Hedge Fund’s “Aggressive” Tax Dodge Technique
    July 2, 2013 : Permanent Link

    irs_logoNew York (HedgeCo.Net) – Super-successful hedge fund Renaissance Technologies Medallion is under scrutiny by the IRS for an unusual tax strategy invented by former Cold War code breaker, and hedge fund founder James H. Simons.

    The hedge fund has an amazing 80% average profit per year over the last 25 years, and the IRS is looking for its cut. [About time! Need other names? And how are you making out with offshore account investigations?]

    Gawker says: “Renaissance, in essence, filtered its investments through a bank in order to claim that they were making long-term capital gains, when in fact they were making short-term trading profits. Then they paid the lower tax rate. The IRS calls this an “end run” around tax law.”

    Bloomberg reports: “The case highlights how hedge-fund and private-equity managers use loopholes to exploit the government’s preferential treatment for long-term investing income. If East Setauket, New York-based Renaissance prevails in its legal dispute with the IRS, dozens of other funds would probably take steps to mimic the firm’s strategy.”

    The IRS itself has declined to comment on the case yet, citing confidentiality laws.

  168. They certainly want to pay out as little as they have to, to their victims. That’s why the big FRAUDCLOSUREGATE/SECURITIES FRAUD COVER UP.

    Well they can’t fool all of the people all of the time. But they sure tried hard and had great success stealing a ton of our wealth and assets and made many more fraudulently induced slaves along the way.

  169. THE LEGAL ASSIGNMENT….THE LEGAL TRUST AGREEMENT IS THE SECURITY THAT MAKES THE MORTGAGE CONTRACT LEGAL AND SECURES THE NOTE HOLDER TO THE DEBT……NOT OUR PROPERTIES… THEIR COLLATERAL IS OUR SIGNATURE NOT OUR AUTOGRAPH …OUR UNAUTHORIZED SIGNATURES THEY RACKETEERED TO GAIN UNJUST ENRICHMENT WITH WITHOUT OUR KNOWLEDGE OR CONSENT.

    TRICKY LANGUAGE IS EVERYWHERE BUT THEY ARE NOT ENTITLED TO COLLECT ANY MONEY AND CERTAINLY NOT ANY PROPERTY FROM US. & THEY OWE US A TON OF MONEY…

    YAHOO…!

  170. You do not need to criminally charge them to demand payment from them because they are in DISHONOR to the CHECK/NOTE WE WROTE THEM….because they were NEGLIGENT in the taking and paying of the Original Instrument. THAT IS BANK FRAUD & THEY DEFRAUDED US.

  171. It is illegal in the U.S.A. to hold a note you already cashed as a Security and Racketeer with it by overissuing investments in it as if it were their own Security Entilement to third parties. That is SECURITIES FRAUD…

  172. An endorsement of the note along with consideration and an assignment of the Mortgage …

    You are misbehaving today MS … I Like It!

    Out of duct tape again? lol

    Behave KC!

  173. The banks want to fly under the radar so nobody gets any ideas of bringing lawsuits against them and (if we could only hope) criminal charges for fraud, theft and forgery. The banksters know there are people out here who know the truth, and they seriously want us silenced.

  174. “The note and mortgage are inseparable; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. [FN 3 cites Jackson v. Blodget, 5 Cowan, 205; Jackson v. Willard, 4 Johnson, 43.] ” Carpenter v. Longan, 83 U.S. 271; 21 L. Ed. 313; 1872 U.S. LEXIS 1157; 16 Wall. 271 (U.S. 1873). See: scholar.google.com/scholar_case?case=5449554966990758102

    Wrong —An assignment of the note does not carry the security with it, while an assignment of the latter alone is a nullity if argued under a forward contract Court ruling wrong or not clear as to the application of the law . Bad decision as the court never contemplated the effect of a forward looking contract and consideration involving ownership rights at some later date of securities trigger. .

  175. ….all such loans are unsecured debt

    Winner !

    See Depositors accounts

  176. NIXON NEVER SAID ANY OF THAT. NIXON KNEW THESE SAME FOREIGN IMPOSTERS WERE CRIMINALS AND HE WAS TRYING TO PROVE IT AND THEY CAUGHT HIM…SO THEY DID WHAT THEY ALWAYS DO….THEY CRIMINALIZED HIM.

    Ahhh He did not authorize a secret break into Democratic headquarters top staff at Watergate….Buglers included ex CIA …Danielle Ellsbergs Shrink was raided ….no cover-up on missing tapes ….bombed Hanoi thenCambodia into the stone age to divert attention ….on Christmas Day

    Okay

  177. It has been this same khazar crew of crooks all through history. They are the foreign terrorists who are operating their black ops on U.S. soil both secretly & openly. They are the ENTITLEMENT PEOPLE who are not legally entitled to squat and they don’t own anything and they never did. Steal from us, racketeer and gamble with our securities is all they do.

  178. So justme that means Carpenter vs Logan threat once a mgt has been satisfied, first transfer, it no longer exist thus all such loans are unsecured debt

  179. stripes, on July 3, 2013 at 1:06 pm said:
    BTW….NIXON NEVER SAID ANY OF THAT.

    In jest Stripes In jest

  180. BTW….NIXON NEVER SAID ANY OF THAT. NIXON KNEW THESE SAME FOREIGN IMPOSTERS WERE CRIMINALS AND HE WAS TRYING TO PROVE IT AND THEY CAUGHT HIM…SO THEY DID WHAT THEY ALWAYS DO….THEY CRIMINALIZED HIM. THEY DO THAT TO EVERY PRESIDENT THEY CAN’T CONTROL AND IF THEY CAN’T DISGRACE THEM OUT OF OFFICE THEY BLAME THEM OR SHOOT THEM….!

  181. Leave a Reply:

    In my documents anyone after originator became a note holder
    There never was a creditor since the contract was transferred in the first 30 days
    ——————————————————————————–
    Your not listening – why is this …
    Why ….you say the the contract was transferred in the first 30 days wrong !

    De-recognized —
    see FAS 140 SFAS 140-3 ASC 320 ASC 840 GAAP

    Helloooooo

    registerclaims@live.com

  182. Sorry guys…I’m not buying any of it. Nothing these foreigner’s did was legal …not one thing. They are all foreigners…. imposters to our Constitutional Republic…. and FICTITIOUS PAYEES…I DO NOT COOPERATE…COMPLY OR CONFORM WITH FELONS….!

  183. Most people that have assigned loans from the get go do not make payments to whom they actually sat down with to get the loan, it gets immediately assigned, was most likely assigned before you even knew you had the loan ;} RESPA has the many a rule along the lines of if you pay your original ‘creditor/lender’ it may not be counted as late for this (among others) reason, protects home buyer and they must notify you in the mtg docs that they intend to sell/transfer/assign it before hand

  184. Welcome to Guessing Cries:

    THE BEST OF BOTH WORLDS – Social Security is function of an annuity fund ..on a grand scale held in formation of trust -****off balance sheet**** You bought the mortgage and they financed your request under a combined qualified exchange relying on a nominee. The nominee Mers is allowed to do just that. I believe as you do they commingled the MersCorp exchanges using substitution and delete of the same or greater value by incorporating various the features of an installment sale contract.

    What in the world does Soc Sec have to do with retirement …..average homeowner is 37….30 year mortgage pays off at age …hmmm (make him stop – he’s talking today Oh someone Please!!! …) The experiment was to meet the budgetary objectives of various agencies by combining two or more of the tax deferral or elimination tools satisfying the banking sectors own earnings needs….. (put the bottle down and make him stop please ,,,). They accomplished a step down while deferring capital gains.They could diversify investments by splitting funds among the real property and the deed of trust .Please – who REALLY believes the the facts the registrants created an advanced income stream from a carry forward using bank debt as substituted equity to favorably reallocate basis in assets using Mers and replacement property !

    Remember Nixon’s farewell speech when he said …..”and remember… always keep guessing, never stop pretending ….and keep attacking Mers , Scream stop Robo the Bobbo , ask for a fourth modification …..make a jack ass of yourself and attack a fictitious named instruments with your local AG …. , argue a gratuitous ass-ine-ment , never once acknowledge inter creditor transfers of assets , don’t eat raisin brand at a home with rabbits)

    LEAVE A REPLY

  185. Justme
    I never made a payment to the originator (Ameripath) it went to New Century

  186. My understanding is for a proper mortgaor mortgagee relationship the lender-creditor must hold the paper 90 days

  187. Sent from my iPhone

  188. Grover, ….”There never was a creditor since the contract was transferred in the first 30 days.”…..
    Where do you get this? was it assigned straight away? A recorded assignment? Are you talking it is table funding >???

  189. In my documents anyone after originator became a note holder
    There never was a creditor since the contract was transferred in the first 30 days

  190. Dirty politics is what this whole crime scene boils down to.

  191. Why was Neil not working as a lawyer -Do you know anything about that????

    This is all Great stuff for us -Let’s be sure Real estate Law Follows through on this!

    ________________________________

  192. I was able to get 2 modifications from HOMEQ & was working on a third when they sent default notice while in negotiations
    Then they were taken over by OCWEN who continued both processes finally forcing us into BK7
    They were then declared unsecured & never tried to lift the stay since all banks were losing that effort
    After moved forward with foreclosure & false credit bid

  193. ”You didn’t get paid for the mortgage already?? Humph….but you said it serves as…COLLATERAL

    CORRRECT you did not get paid yet —because you threw the collateral away ….now banks want it back as they charged the substituted security collateral off to bad investing . There is a round of re capitalization missing here and the LBO is using your homes equity for the registrants to recover

    Modification is the tool to get a sucker to recognized assets that do not exist ….The best way to avoid early prepay timed to a contra asset is to assure the file in modification is less attractive to all other financing arrangements

    (from 1993 through 2003 -I never once knew of you NG MBA in NY and Chicago, All the investors and lawyers – where ere you hiding) )

    LL Comments : You will find they contacted nobody and did not actually underwrite the trial modification at all even though they were required to do so before the trial modification was offered by them.

    No Shiest Micron – the existing mortgage was set aside as a liquidated capital account and then charged off. for its burden held by preferred share holders AM I MAKING THIS UP, I KNOW YOUR READING THIS …WELL AM I ….

    … Hey Tolle show us your guacamole ….really (get out of here )

    REGISTERCLAIMS@LIVE.COM

  194. Servicing Article –

    Nonsense Bull-shiest , Livinglies malpractice, gibberish offering of economic masturbation cease and desist ….Garfield Making crap up …..

    YOU CANNOT SERVICE A DE-RECOGNIZED MORTGAGE . YOUR SERVICING RECEIPTS ARE OFFSETS TO A REVERSE LBO FOR GODS SAKE. Offset to commercial transactions charged and written off . Using the public bail out funds to go private whereby the government seized the private enterprise.

    No modifications or servicing of a futures contract with a put value covered by accretion and a call value offset by payments your making set aside for a Qualified Bank to Bank exchange of REO at the same or higher troubled debt amount assessed to each account

    Attack me for telling the truth …because you don’t understand what I am telling you. But where did people get off thinking they were experts in 2008 offering non sense interpretations of sophisticated M&A deal structuring …..Read TARP and EESA Safe Harbor rules, GAAP and IASB interpretations of FASB codified changes for lender bank equity funds LBO rukles and regs under US IRC tax payer code .

    Happy fourth NG
    Non sense

    registerclaims@live.com

  195. MERS is an UNAUTHORIZED entitlement program…who collects brass tax for the foreign investors … MERS would had to be an AMERICAN BANK and would have had to create their own Security by OPERATION OF LAW…AS THE UCC THAT GOVERNS BANKS AND BANKING REQUIRES….in order to hold legal title to a SECURITY ENTITLEMENT.

  196. The end of TBTF in sight?

    http://www.americanbanker.com/issues/178_127/Small-Banks-Win-Concessions-in-Basel-III-But-Big-Ones-Face-Hurdles-1060365-1.html

    Small Banks Win Concessions in Basel III, But Big Ones Face Hurdles
    by Donna Borak
    JUL 2, 2013 4:20pm ET

    Community bankers emerged victorious Tuesday after regulators made a number of key changes to a final package of Basel III capital rules in an effort to address smaller institutions’ concerns. But the biggest banks, in contrast, fared far worse.

  197. …”You didn’t get paid for the mortgage already?? Humph….but you said it serves as…COLLATERAL? Silly me, I thought that worked two ways…………For the mortgages that actually back MBS- Smart arses should have made a ‘MERS’ for their payment agreement contracts to the investors and custodians not the borrowers records…………I really liked this write, it is so basic but yet so powerful and plainly true.

  198. Show mercy to WHO? MiNG THE MERCILESS….? Ha…! Did MING show mercy to me when MING stole our wealth, livelihood and threw us in fraudclosure and made me fight for my securities…my survival….by myself? Did ming show me mercy when ming blamed me for its crimes against me and labeled me a deadbeat? Did ming show me mercy when ming POCKETED ALL OF MY PAYMENTS AND RACKETEERED WITH MY SECURITIES AND MY AUTOGRAPH AND Intentionally made my life and the lives of millions of innocent Americans a living fucking hell?

    OH HELL NO! I HAVE NO MERCY FOR MING…!

  199. AMERICA IS NOT BROKE…..We were robbed by these foreign investor crooks …! THEY ARE ALL LIARS…& WANTON FELONS…! They have stolen INNUMERABLE AMOUNTS OF OUR WEALTH….reported CNBC….$60.4 TRILLION OF OUR WEALTH SINCE 2008…THEY STOLE A QUADRILLION DOLLARS BY COMMITTING MORTGAGE FRAUD+++…………ALL FOR THE GAMBLING FRAUD OF THESE FOREIGN THIRD PARTY INVESTOR IMPOSTER CROOKS…

  200. servicers foreclose on behalf of MERS (FANNIE FREDDIE investment pools to keep the nation afloat, to hide all, to ram up whoever for what ever best they can….pathetic) ….how why this B$ continues. $$$$$$$$$$ yes worthless $$$$$$. Such a blind country. Recall the president replace all of the gov and spit in their face as they have spat in yours using the same tactics. I shall not comply with slavery. to those that will fight Grow some as you will need them for sure since we now have no $$$$$$$ due to this debacle. Our country does indeed have more than $$$ to fight these issue, if all will get it. Peace to all, fight the good fight with mind body and soul and … Do unto others leave your brothers and sisters alone as we try to figure this out.Show mercy to all other than the evils. It is crumbling as we speak and write.

  201. The link States MERS IS THE MORTGAGEE…! LIARS…! THEN WHY WON’T THE U.S. TREASURY DEPARTMENT INSURE THOSE TITLES?…MERS IS NOT A BANK AND MUNICIPAL EMPLOYEE RETIREMENT SYSTEMS AKA MERS IS A BIG FAT TBTF THIRD PARTY FOREIGN INVESTOR FRAUD ROBBERBARON FOR THE RICH THATS WHY…!

  202. READ ABOUT THE FOREIGN THIRD PARTY IMPOSTER INVESTMENT SCAM TO STEAL EVERYTHING FROM US AKA MERS HERE….

    CHICAGO TITLE INSURANCE COMPANY AKA THE U.S. TREASURY DEPARTMENT REVISITS MERS…..

    http://www.cticct.com/news_mers.asp

  203. If they do not have all of your info (ppwk) that they should have to steal from you…mod = reaffirming the fraud, do not go where “they” state you would have to go ..(again…mod = reaffirming fraud loan) so “they” can “HELP” U…. thieves yes they are

  204. The Prospectus governs the Servicers and they have no legal authority…POWER OF DIRECTION….to do a loan mod….

    CHICAGO TITLE & TRUST SAID AT THEIR WEBSITE IT IS MERS …….MUNICIPAL EMPLOYEE RETIREMENT SYSTEMS….WHO ARE GIVING LOAN MODIFICATIONS AND CHICAGO T&T REFUSES TO INSURE THOSE TITLES….!

    WHY? MERS ARE THIRD PARTY FOREIGN INVESTORS..WHO WERE NEVER A PARTY TO THE ORIGINAL FRAUDULENTLY INDUCED CONTRACTS….& “LOST TRACK” OF OUR SECURITIES…..! MERS ARE IMPOSTERS/FICTITIOUS PAYEES..

    THE CROOKS NEVER FOLLOWED THE RULE OF LAW FROM DAY 1…LET ALONE THE TERMS OF THE PSA/PROSPECTUS….! THESE ARE WANTON FELONS HIDING BEHIND MERS…MUNICIPAL EMPLOYEE RETIREMENT SYSTEMS….WHO ARE A GLOBAL FOREIGN CORP OF THIRD PARTY INVESTORS POSING AS A TBTF AMERICAN INSTITUTION AND HIDING BEHIND MERS!

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