Modification notes. Another one bites the dust — 45% Principal Reduction

I have been ghost writing and representing many clients across the country where the law permits me to do so. Or I assist a HUD counselor in representing people who are attempting to get enough information to actually get a modification. One such HUD counselor whom I highly recommend is  Cyndee Estrada who is fully licensed, experienced, trained and educated — in addition to have a collection of lawyers, accountants, real estate brokers and other professionals. Her number in Phoenix is 602-233-8730. People often overlook HUD counselors but they can get information that even lawyers can’t get .

This time I was representing an old friend in Florida. After ridiculing him and threatening him and pulling all sorts of antics they sent him the following from new counsel after I shared with him my latest discovery drafts.———————————–///
Here is the exchange I just received. When we really put the pressure on a major bank they collapsed, they realized that the discovery I was pushing was probably  going to be ordered by the Judge.  Ridicule and intimidation turned into an initial offer of 45%  off the principal balance allegedly due on the loan. The reason? They are either getting a free mortgage or free house in foreclosure courts but the Judges are starting to realize that there is something big behind the curtain.

So here is the exchange between me and my client. I have changed information for privacy reasons.

================================

Hi Neil – any thoughts ?? This came to my lawyer out of the blue. It shaves about 175 K off the mortgage.
———————————–///
Subject: CASE#XXXXXXXXXXXXXXXX******PROPOSED LOAN MODIFICATION*********
Importance: High

Good Day,

Please be advised that our Firm represents the Plaintiff in the above mentioned foreclosure case and our client requested that we reach out to you and your client to offer the attached proposed Loan Modification Agreement.

These are time sensitive documents  please see our client instructions below,

These would be the instructions to follow upon acceptance of this Modification:

•           Fax ALL PAGES of the signed Modification Agreement to (XXXXXXXXXXX

•           Initial payment must be made via certified funds (Codes & Instructions are provided in the Agreement)

•           Signed Modification Agreement & Initial payment must be received no later than 07/29/2013

Please advise what your client’s intentions are in regards to the loan modification

Thank you,

xxxxxxxxxxxxxxxx, Esq.

Loss Mitigation

Pursuant to the Fair Debt Collection Practices Act, it is required that we state the following to you: “This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained may be used for that purpose.”

PRIVILEGE AND CONFIDENTIALITY NOTICE: This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. § 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney – client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by xxxxxxxxxxxxxxxxxxxxxxxxxxxx for damage arising in any way from its use.

I have several thoughts concerning this. You could argue for attorney fees if you want. Or maybe some “expert witness fees.” My charges against this account total $12,500. Your attorney should ask for twice that amount. But if you want to be done with it, then you can choose not to rock the boat. Keep in mind that I view this offer as an admission that they neither had the right nor authority to foreclose and more importantly that they probably did not have the right or authority to collect payments from you.

They could owe you all the payments plus interest at the statutory rate from each payment. And they could owe you the overpayment they received by virtue if collecting money from the investors, the insurers, the credit default swap counter parties, the Federal Reserve mortgage bond buying program ($80 Billion per month) and other thus far undisclosed third party co-obligors or guarantors. You could ask for a full accounting from the Master Servicer of all receipts and disbursements relating to this loan or any mortgage bond relating to this loan, but the chances of you getting it without pitched battle litigation are very low.
They could owe you all the payments plus interest at the statutory rate from each payment. And they could owe you the overpayment they received by virtue if collecting money from the investors, the insurers, the credit default swap counter parties, the Federal Reserve mortgage bond buying program ($80 Billion per month) and other thus far undisclosed third party co-obligors or guarantors. You could ask for a full accounting from the Master Servicer of all receipts and disbursements relating to this loan or any mortgage bond relating to this loan, but the chances of you getting it without pitched battle litigation are very low.
They might and probably do owe you first, the amount of the tier 2 yield spread premium representing the money they skimmed for the investor advances and second, treble damages under TILa and RESPA for failure to disclose compensation required by TILA, plus interest from the date of the closing.
Lastly they could owe you damages and punitive damages for the slander of your title if the note and mortgage were fabricated and forged in the sense that the payee and mortgagee were not the true lenders, leaving you with a cloud or defect in your title which you were unable to correct.
And finally they should be required to restore your credit and they could be required to pay damages for identity theft and slander of your credit. Punitive or exemplary damages could be quite high if they were used to revert the same or other banks that engaged in the same illegal, fraudulent and even criminal behavior (but don’t mention criminal because under Florida law threatening a criminal action to gain a civil advantage is a felony in itself and will undermine the credibility of the rest of your claims.
1. Apparently your latest discovery request has produced one desired result, to wit: you now have their attention.
2. If you are unable or unsatisfied with their offer it is virtually certain that you will receive a better offer, but there is no guarantee.
3. If you are satisfied and wish to continue with their offer by acceptance I suggest that you do so with the following caveat: I accept your offer but I am constrained to do so under certain conditions that should not pose a problem for you.
First, you have stated that you represent the plaintiff and I wish to receive confirmation of that on xxxxxxxxxxxx letterhead, approving of the settlement offer.
Second, perhaps in the same letter your client can give assurance to me that they approve of the agreement and will be bound by it, despite the fact that the offering and signing party is xxxxxxxxx and not yyyyyyyyyyyyy.
Third, I wish to receive satisfactory assurance that the creditor has been named or the letter should identify the creditor.
Fourth, if the creditor is different than xxxxxxxxxx then I should receive confirmation of the settlement from the creditor.
 Fifth I should receive assurance, indemnification and a Guarantee of Title in which the true creditor is named as the mortgagee and that no other creditor or mortgagee will have any claims other than those specified expressly in the agreement.
Sixth, I wish to receive confirmation from you first and then in the confirming letters if representation and assurances that none of the codes or other oblique references in the body of the agreement or the summary of the agreement has or will have any effect on the balance due as of 9/1/13, the starting date of the agreement nor have any effect on the amount of payments.
Seventh I would like estoppel information confirmed by all parties based on the new agreement providing balance due, payments, amortization, per diem interest,, taxes and insurance.
Lastly, I want the settlement confirmed by court order specifying the name and address of the mortgagee and that there are no other parties claiming a mortgage lien on the property, and that the court order may be filed in the County Recorder’s office, and will be filed at the expense of zzzzzzzzzzzz, who will also pay for the Guarantee of Title from the Title Insurance company. The name of the order should be “Final judgment of dismissal with prejudice” and provide that each party shall be responsible for their own court costs and attorney fees, and that no accrued interest or other charges not specified in the agreement will be added to the balance payment due.

124 Responses

  1. louise, I have the same feedback from my counsel. Solly, the zero coupon doesn’t require foreclosure to create a payment stream. I will wait before I say any more. I emailed you.

    gault: that was the “safe harbor” servicers screamed for but never got.

    nothing more on who what or where.

    Are there any GMAC/ResCap/Cerberus/AEGIS/Stephan/Urguandu?/MERS/Homecomings/ RFC/GRAY and Associates foreclosure victims out there from Wisconsin?

  2. Carie

    Nemo dat quod non habet, literally meaning “no one gives what he doesn’t have” is a legal rule, sometimes called the nemo dat rule, that states that the purchase of a possession from someone who has no ownership right to it also denies the purchaser any ownership title

    Judge Alice Schlesinger gave possession of my two NYC condos to parties who “bought” them from two people who didn’t own them

    Who is the Creditor? Who is the owner? A Judge like Alice Schlesinger wore blinders , as long as she got some EQUITY

  3. @UKG

    Leave it to the feisty Irish—wonderful…just shows how the same BS is happening everywhere.

  4. E. ToLLe, on July 15, 2013 at 11:08 am said:

    “…In other words, the Very Serious People who run things from behind the scenes have determined that mortgage documents are no longer necessary. They’re so last millennium…”

    Yup—just a continual transfer of debt collection rights to unsecured debt…who cares about that pesky paperwork! Who cares about a “real” creditor—just keep the blinders on and keep it moving!!

  5. HERE HERE! Mandelman’s second rule har har har. No intellectual masturbation! Where is the advise

  6. Stripes
    Why dont you get it
    Narcissism…
    Read up understand it and control yourself first and foremost, master yourself.

  7. Christine, M. Soliman is FOS. I have asked for any filed affidavit or curriculum vitae from him as to his expert witness self-proclaimed status and nada is the result. I used to be the one who read CV’s and recommended the expert witness to my boss, the attorney, for possible testimony in federal cases. I think bipolar is more in order as the disorder. Just IMHO, of course.

  8. Poppy
    Your july 16 8.53 post
    True
    Two seperate ” realities”. Theirs snd ours, our power lies in THE truth
    And going forward from
    There. Do not be discouraged
    And this site is being sabotaged, its a pity.

  9. I’m up late working on briefs, so I thought I would
    Solly, thanks for that, Enlightening. But there is no doubt a forensic accountant is need to break that argument down for a jury to understand. Even the judges are confused by the frauds (or just pretending to be)

  10. ML,

    Whatever. Poor soul.

  11. Christine

    A VOID judgment ab initio is a nullity and has no latches and I have the right to expose how corrupt Judge Alice Schlesinger is.

    I remember when I noticed the red flags coming out of your posts “your country is done with etc – boy your are trying to change your tune since you are afraid and you don’t know who is watching you.

  12. ML,

    And just for the hell of it…

    I wasn’t referring to you but there is another one posting here, with her case spread all over the internet and a horse hair across her butt all the way from the West to the East coast. I was quoting directly from it. Same allegations are yours. Same M.O. Same “Let’s defame the judge” kinda of crap. Same attitude. Same hate.

    What do you think the likelihood is that she’s gonna get farther you have?

    I absolutely love this country!

  13. Maher Soliman at 6:32pm

    Get off the booze man. You make no sense for people needing real “How to” help. The kind bloggers here are looking for; something they can relate to. Simple, cut-through-the-chase advice. What’s with the intellectual masturbation? Stop peddling, for Pete’s sake!

  14. ML,

    You need to get over your sweet self; I wasn’t referring to you. I’m done with you.

    You played a card. Didn’t like the result, so you played the same card the same way twice and it still is not salvageable (the definition of stupidity). No one can overcome 5 “frivolous” and so many “bad faith” in one ruling. Whether you want to compound it and expose yourself to slander and defamation claims by publicly attacking judges’ character is your decision. It’s called free will. You used yours and can’t get over the result; your choice. Water under your bridge. Learn to swim or drown. Either way, it’s still your choice.

    What i don’t understand is this: you played the game as best you could given what you knew at the time. For the effort you put into it, I personally admire you: it takes courage. Knowing that the result is not salvageable, why are you rehashing and what stops you from moving on? The only person you’re hurting is yourself. Are you delusional to the point of believing that your ranting, attacking judges by names and backing up the imbecile’s ranting will change your outcome? It’s over. Move on.

  15. christine

    I get the message loud and clear judge A\ice Schlesinger is a crook and a traitor to the oath she took to defend our United States Constitution

  16. how would you propose all Americans put these felons on notice anywho. Good idea, but we could all cry that until our eyes bled and it would never happen. Save your energy. Go make an fb page or something, you could get followers up the ying yang stripes.

  17. buzz buzz MS to ‘techie’ to be NG

  18. This is not NG writing style – No way ! Stripes is a plant used to steer people off the core arguments – Stripes does no exit outside a chain of hired work at home bloggers. Go investigate yourself at “whois”.

  19. Zero Coupon Bonds, Annuity contract income versus ordinary income under IRC §72(u)(2).

    Here is where each homeowners chances to prevail rest . It is in pleading the mechanics upon a a barrier to conventional lending whereas registrants deploy a method by which income can be deferred from a net income in trust is the purchase of original issue discount (zero coupon) bonds.

    Herein the Trust creates a charitable remainder trust having a provision for net income . “Income” is defined under IRC §643(b) (and local law) in the CRT that provides the indebtedness purchased at a discount is booked as income only at such time the bond is redeemed by the issuer or sold by the trust.

    If income is not produced until the bond is sold or redeemed, such sale or redemption by a trust containing a look back or accelerated provision can cause a overflow of distributable income to the trust.

    This is true in foreclosures as held in favor of the income recipient.

    This condition is a win-slaughter side benefit to the banks in a very bad economic situation.

    Why would a bank want to consider a modification causing it to abandon a valuable trust asset upon changing the loan or early recognition meaning the bank promulgate a default?

    Under this analysis of modification or to not modify is the limitations on substitution which are based on Mers Corp and nothing more than a 1.1031 exchange of like or higher value mortgage.

    Modifications are impossible and cannot include abandonment and novation as the example of how modifications get done. Its not a question of may or may not be a desired result but something that is all but out of the question.

    What a defendant / sponsor will consider substituting cash
    using several alternatives other than modification: (1) by excluding the make-up provision; (2) by purchasing bonds with laddered maturities; or (3) allocating the discount bond discount to principal (if compatible with local law).

    Using either or both of the first two methods, distributions are triggered upon foreclosure sale or redemption. A modification is the redemption so the notion of a modification is moot.In fact the sate of California has to answer to why the outlawed dual tracking if this is the only remote or least feasible means of concocting a modification .

    Last is to consider the bonds discount and capital gains which both are allocated to principal. If so the bond will have to be sold or redeemed and the proceeds reinvested in income producing assets before the defendant, as income recipient, can receive any distribution. This alternative requires considerably more time.

    Under a CRT’s investment in a zero coupon bond is a high probability of turning off cash flow distributions to the CRT’s income beneficiary while the bond is held. Its not attractive as an option for purposes of making a sizable, forward cash flow distribution from the NIM.

    The trust will not hold the annuity for a natural person (i.e., an individual).Therefore if the plaintiff “household” as the true income beneficiary, benefits from the cash flow stream to start in a future known year, the accretion feature is required as part of the zero coupon bond language Flip-Charitable trust along with trusts investment of most assets in a zero coupon bond portfolio The IRS considers the trust a charitable remainder vehicle and requires an annuity contract income in ordinary income for the year under IRC §72(u)(2).

    From testimony
    registerclaims@live.com

    Not an attorney I know will grasp these facts…..but a tax professional ….well, the last one told me

    “are you sure ? Oh my God!”

  20. “Now pay me back what you crooks stole and hijacked from me…”

    Good American way: finder keeper. Go get it back yourself. If you can…

    Hehehe. Fat chance! Not with that -20 IQ

    Now girl, you go on and post 14 inane, moronic diatribes instead of learning to argue a case before a judge by first using actual case law. It’s like anything; you get out of it what you put into it.

    Can’t wait to see how the other one with her “ponzi scheme”, “criminal behavior in the US”, “rewarding criminal behavior” (yep, quoted at least twice!), “Fifth amendment”, “bill of rights”, attacking an actual judge by name and the likes will yield. The same way that ML’s decision was fascinating and the poor thing still doesn’t get it, i am eagerly waiting to read that one. And use it as a “Why people don’t win in this Gawd damn battle going on for 7 years and why attorneys won’t represent those loose canons.”

    What a great and yet so fucked up country!🙂

  21. UKG,

    Works every time, doesn’t it? Sure can recognize the tree by its fruit…

  22. It’s funny you said that marilyn…I really was thinking of that, but thought it might piss him off, Oh well, funny!

  23. maybe LPSDocx made him an offer he couldn’t refuse???

  24. I think he’s been kidnapped by BOA…

  25. Will the real Neil Garfield please stand up? Sweets for the sweet, have a nut?

  26. No, I’m the real Neil Garfield…

  27. UKG, why do you say NG is gone? You can always E-mail me privately if you do not wish to post publicly. Thanks

  28. ukg

    Is your civil rights action in state or federal Court?

  29. ukg
    I”m for that

  30. Me thinketh Mr. Garfield is gone.

  31. gjonah, got a situation where we may accuse a judge of civil rights violations regarding his handling of foreclosures. These judges are out of control. Making up law as they go along.

  32. Mr Bob Hurt,

    I think you are trying to provide valuable insight.

    However, very few if any, are ever able to conduct Discovery with or without an audit, or mortgage examination, so its basically irrelevant in the so called courts of law, run by those wearing black robes- think of the symbolism there for a minute, Black Robes rendering ‘justice’.

    The Judges in the Kangaroo courts that preside of these cases, need to be removed, disbarred, indicted and/or arrested.
    Shakespeare was100% right about all attorneys.

  33. 🙂

  34. :O
    UKG, Nice clip! Show in Wisco sometime?! ;P
    Did anyone actually read what E.ToLLe wrote? Ditto….W>T>F!
    Can we get one post titled “put tiresome discussion here” ? We the people are getting,in part,an ear full of personal angst and totally off point agenda. 0_o Have a Good day guys!

  35. This website has been taken over …. to distract you.
    Time is something you can never get back.

    Your doing a Great Job Stripes. Its almost over, then you will need to find another job.

    Behave KC!

  36. How much did your client pay for this wonderful service? $5,000? $10,000? $18,000? And how much will you earn from the mortgage company for the mod? $5,000?

    Suppose your client had paid only $2500 for a comprehensive mortgage examination, and then approached the bank’s lawyer with a demand for a settlement offer?

    Oops, I guess he could have received the settlement cram-down of the mortgage without having to pay you a nickel. Wouldn’t that have been nice?

  37. The USA allied WITH Communists!
    Think about it. We helped Spread Communism TO 11 nations after WW2, we helped created World Govt, and steal Palestine for them.
    Read Pat Buchanans: Churchill, Hitler And An Unnecessary War.

    Germany was Bankrupted. Money was worthless.
    People were starving. Germans were forced to prostitute their children and took them down to Synagogues to do so, where those that had bought up Germany had money.

    Hitler put an end to all of it and Germany became the envy of the world economically, whilst the USA went through its Greatest Depression, caused by the same nation wreckers.
    Abortion was made illegal, gun laws revoked, the age to own guns for Germans was lowered, and Germany became a world superpower while Military GDP was less than 10%.
    Freemasons & Banksters were jailed. Usury Banned. Fiat banned.

    The so called ‘chosen people’ that officially declared war ON Germany in 1933 (See London Express Daily Headline: Judea Declares War On Germany!) were also jailed as enemies of the state-Spies, infiltrators, subversives, (Japanese here in the USA were also interned). And Germany thrived.

    The real reason they hate Hitler is that according to the Worlds Greatest Chess player, International Champion Bobby Fisher, Hitler had a wicked sense of humour, and had the sign ‘Arbeit Macht Frei’ which means ‘Works Makes You Free’ at Auschwitz.
    They hate him for that, to this very day. Most have never done honest work in their lives.

    Watch the Film DEFAMATION and get insight from a J EW on this reality as he made the film, the interviews with his mother are priceless.

  38. The USA fought the wrong enemy in WW2.

    Even General Patton realized it, however it was later in the war, he wished to ReArm Germany and invade Bolshevik Russia.

    Stripes and other idiots here, are simply disinfo and misinfo.
    If you wish to be educated about Sound Money, WW2, Germany, Hitlers defensive response to Marxists Slithering in Germany and trying to incite Revolution, read JB Campbell here:

    http://www.veteranstoday.com/2011/05/11/jb-campbell-behind-the-holocaust/

  39. My son and I were discussing these situations and have concluded we are all in what can be considered an abusive relationship(s).

    They give you just a little, then pull back, promising things that one cannot deliver, allowing us the freedom to be indebted to people we do not know or can trust, singing on for things that the real terms go “undisclosed” about, mandating taxation with no say about where the monies are spent, a very small group of individuals deciding what is available to us, what the price is and where it will be available.

    Everything is mass produced, removing personal creativity and pride in what we do…tradition is being mocked, personal sacrifice is encouraged, even when the few are getting extremely rich, by the very idea, it is not what your country can do for you, but what you can do for your country…used to sound good when decent principles were at play. We actually have people in this country who feel sorry for the a-holes.

    Just ranting today, sorry!

  40. From the editor: Modification notes. Another one bites the dust.

    Let me see if I understand all this….by some estimates, 9 million homes have been lost to foreclosure since 2007, and there will be another 9 million before we’re done. But of course, that’s anyone’s guess, as who knows what the numbers really add up to seeing as how the administration, actually, make that every form of government, has absolutely no desire for any kind of reckoning of statistics, as it further illustrates their complete lack of concern for the bloodied citizenry, and more telling, their complete complicity in this crime spree. Goldman Sachs, Chase, and Citigroup have all just posted record quarterly profits, so….the true constituency is doing quite well. What pol in his/her right mind is going to rock that ingot laden boat?

    Back to the headline about another mod….after all this carnage over all these years, and having studied Neil’s site daily for at least five years, I’m now supposed to get excited about another modification? Let’s see….out of the thousands of folks who have come in here looking for help, all posting of similar atrocities committed by all the same players over and over again, all the while state and federal officials play the three senseless monkey routine of not noticing any criminality….and we’ve been reduced to the incredibly low bar of accolades over another modification signed by thieves?

    I’m reminded of the scene in the Grinch when that greenish skinny hand reaches back down the chimney for the last edible crumb under the tree. Only difference is that we’re talking about real families, children, elderly….all needing food, warmth, clothing and a place to sleep without having to keep one eye open. For crying out loud….WTF?

    Our government is a disgrace. Our president should be impeached. And more locally, Neil’s website is now the laughing stock of foreclosure relief. Is this what you wanted Neil? Is this the final chapter for Living Lies? Why continue posting your daily digest when there’s no possibility of discussion to follow? Is it, like Christine said, all about the site visitation stats?

  41. Interesting you tube video of the apparitions at zeitoun Egypt…

  42. Buffet and ResCap: If not free of security interests, than free of the bond-holders bond payment claims? “nah, couldn’t be, could it?”

  43. “Nationstar Mortgage Holdings, Inc., the mortgage servicer that collects payments on more than $300 billion of debt*, was accused in a lawsuit of harming investors by auctioning home loans backing securities.
    Nationstar’s loan liquidations are a “blatant abdication” of the company’s responsibilities as servicer, mortgage-bond investor KIRP LLC said in a complaint filed today in New York State Supreme Court in Manhattan.
    “Nationstar has not fulfilled its duties as master servicer but rather has engaged in practices to enrich itself at the expense of” investors, KIRP said. KIRP said that it’s a “significant” investor in six residential mortgage-backed security trusts sponsored by Residential Accredit Loans Inc.
    Nationstar, which is majority-owned by Fortress Investment Group LLC (FIG), increased its servicing portfolio by 94 percent last year to $198 billion through a series of asset purchases, with sellers including a unit of Lehman Brothers Holdings Inc. Its portfolio rose to more than $300 billion last month after the firm completed part of a deal for $215 billion of contracts from Bank of America Corp., according to a statement today reporting earnings.
    Many of the mortgage loans Nationstar has auctioned only realized “a fraction” of the unpaid principal balance of the loans and “far less” than the present value of the property securing the loans, according to the complaint.”

    *jg: including the servicing rights it bought from ResCap’s bk estate, to the loans that Buffet’s new company was allowed to buy from the bk estate for what appears to be pennies on the dollar free of other claims ( I really think those other claims were the security interests, but then I think “nah, couldn’t be”. Could it? Full article:

    http://www.bloomberg.com/news/2013-03-07/nationstar-mortgage-sued-in-new-york-by-investor-over-loan-sale.html

    How does a sub-servicer or even master-servicer make policy on foreclosure auctions relevant to notes and dots that are allegedly owned by secn trusts? My answer is they don’t because the investors own the production, not the well. So what was all that baloney about a true sale? As mere bond investors, the investors wouldn’t even or might not – don’t know about anyone else, but I have to think about that one – have security interests in the notes and their collateral instruments.
    Notice KIRP is not alleging the servicers are liquidating the assets of
    KIRP, just KIRP’s derivative interests in someone else’s assets.
    So if Nationstar is merely the servicer and the investors make no claim to the assets which back their bonds, I give, who owns the loans?
    (We used to talk about the conversion of notes to bonds, but we gave it up, right? Should we have? Were the notes and dots just given over to the trusts so that the bonds could come out in their place?)

    And Nationstar and other servicers continue to execute the good old “MERS'” assignments to the trusts and use the credit bid of the trust to liquidate the loans (already liquidated by the conversions) at the trustee’s sale, because poof! they’re notes and dots again and the losses should be born by the investors, take it or leave it? WTH?
    Yeah, I probably have a messed-up formula here, but one gets the drift, right? It’s just unavoidable that the investors are not making
    claim to the loans, just the bonds, is it not?

  44. The apparitions of the Blessed Mother were actually in Zeitoun Egypt….since the 1820’s Sudan and Khartoum are a part of Egypt but were ruled by Great Britain but are now being ruled by the Muslim Brotherhood. Though evasive, the documentary Obama 2012 speaks about Obamas hatred of colonialism though this Muslim brand of governing is certainly much worse. This is actually Totalitarianism disguised as hope and change and the culmination of colonialism.

    Here is when we were warned but the Khazar controlled media blacked it out…..

    http://www.zeitun-eg.org/stmaridx.htm

  45. Looks like the jokes on us America….when the communist khazars said they would send the nihilists upon us they meant the Muslim Brotherhood. Looks like Nelson Mandela is another communist wolf in sheep’s clothes….
    http://www.africanconstitution.org/

  46. So Obama is half Egyptian – African and does not like to talk about his mother or her khazarian roots that are most likely what got him into the White House. This certainly begs the question is the Muslim Brotherhood who hijacked the White House?

  47. WOW…RIGHT? So when Obama is talking about the Constitution he is not talking about the U.S. CONSTITUTION but he is talking about some foreign African Constitution because he is from some Egyptian entitlement lineage called the Cush?

    So this is what Romney really meant by the Entitlement people…? This Egyptian-Black lineage out of Afrika who are based in Egypt. Is that who the Muslim Brotherhood really are…? The Cushites…od Sudan/Egypt.

    No coincidence I am sure, one of the longest and most witnessed apparitions of the Blessed Mother was in Khartoum, Egypt.

  48. Interesting article …BARAK OBAMA’S NUBIAN-CU$HITE ROOTS-ROYAL LINEAGE…?

    http://theblacklistpub.ning.com/m/discussion?id=2055350%3ATopic%3A18825

  49. I’ve been opining that the UCC gives the secn investors security interests in the notes they paid for but never received and so on.
    Here’s another one, just in case: If the investors paid for the notes, but never got them and never get them, the investors paid off the notes
    (never minding what or who else might have)!
    So, in that case, the banksters MUST do or say whatever, anything at all, ANYthing to make it appear the investors got or get the notes.

  50. From Austin Powers ,..the faja …….

  51. Won’t black people be pissed if the truth is Obamas faja was Egyptian ..? All that arrogance about nothing.

  52. It’s called Control Fraud poppy… They want to make everyone believe lies like they own the place and we screwed up. The truth is lie and defraud WE THE PEOPLE is all they do…

    KORPORATE Amerika are a foreign Korp of Satanist/hedonist Felons.

  53. You bet, we need a whole lot of this…hey stripes the real estate marketing is being taken over by them too!

  54. My brother in law would hate this though. He’s a gamer. He thinks his future is in real estate gaming even though CHASE stole his house. People are brainwashed.

  55. Great idea….!

  56. We should be doing this….regularly

    Irish people issue warning to banks by shutting down repossession auction
    12 minutes

  57. I say it’s about time WE THE PEOPLE make KORPORATE Amerika cry in their martinis up there on Wall Street….

  58. Yeah poppy it’s the only way to stay sane in America these days….

    10-4 marilyn…

    WE THE PEOPLE need to ormstay the astillebay….

  59. Stripes
    and all
    Every one who has every had an issue with Fidelity Title or any of its subsidiaries should email the Federal Trade Commission of your objection to Fidelity ‘s buyback of a criminal enterprise like LPS DOCX.

    Now that Lorraine Browne has been indicted and charged no one or any corporation should be allowed to buy a criminal enterprise whose business is to create, produce and use forged and fraudulent documents to steal and transfer stolen property.

    The FTC is looking for input of why Fidelity should not be allowed to Buy back LPS Docx? the makers of all the fraudulent documents that already stole so much from so many

  60. Stripes-

    Give WashingtonWatch.com a few words about Obamacare

    This week, the House will debate two bills related to Obamacare.

    The Obama administration recently announced that it would delay the requirement in Obamacare that companies must offer workers health insurance plans by 2014 or face a fine.

    Republicans criticized the announcement, arguing that the president is bending the law to make it survive politically.

    So one bill the House will take up next week makes the delay of the employer mandate formal. It’s called H.R. 2667, the Authority for Mandate Delay Act. It would delay the application of the employer health insurance mandate by one year.

    There is no cost/savings estimate yet for H.R. 2667.

    The other bill is H.R. 2668, the Fairness for American Families Act. As with the employer mandate, the bill would delay the application of the individual health insurance mandate for a year.

  61. You have a sense of humor stripes…

  62. Here’s one in your language Christine. Ouya are a Korporate Amerika utslay…!

  63. Just what languages are you fluent in besides pig Latin ipso fatso ..?

  64. So, we’ve learned a new expression, moron? It’s no longer Bafangul (whatever the hell that means…). Now it’s WTF?

    Such fast learner. St. Kudlow and the kids must be so proud…

  65. KORPORATE AMERIKA SHOULD OFFICIALLY DECLARED A THREAT TO OUR NATIONAL SECURITY …. THEY ARE A VIRULENT DISEASE AND ARE SPREADING THEIR FRAUD STD’s ALL OVER THE PRIVATE PARTS OF WE THE PEOPLE….! BUYER BEWARE….!

  66. We are going to have to go back to carrier pigeons to avoid these foreign spies snooping in our private lives. The mailman told me he knows more about me than I do…! WTF…?

  67. Mandelman is a traitor and the piggy and its KORPORATE blood bank are about to be fried to a crisp by WE THE PEOPLE OF THESE UNITED STATES…!

    CNBC REPORTING USPS ARE GOING PRIVATE. WTF….? DIDN’T THE FOREIGN KORPORATE FELONS USURP OUR POST OFFICE AND OUR PRIVACY DECADES AGO….? THEY MUST MEAN THEY ARE GOING COMPLETE FOREIGN CONTROLLED…! LOOK OUT AMERICA…!

  68. How and why is Christine getting way with plastering commie propaganda all over this blog? That’s the question I have. I will tell you how. These commies have infiltrated everything by hijacking our Securities that’s how…..!

  69. Yeah they are doing something alright. They are covering up for the KORPORATE felons….! Hedonist Infidel’s ..!

  70. Two guys who are doing something…

  71. I LIKE CRISPY BACON….!

  72. Allow me to clarify WE THE PEOPLE have NUMEROUS EQUITABLE CLAIMS IN DEFENSE OF FRAUDCLOSURE ……! THE TORTIOUS CLAIM IS SECURITIES FRAUD AND IS THE BEST DEFENSE TO DEMAND REPAYMENT BY THESE KORPORATE FELONS OF OUR STOLEN & HIJACKED LIBERTY…..!

  73. RIGHT ON POPPY…!

  74. They owe us OUR country back and all the money, real property and liberties…we demand it!

  75. The foreign hedonist infidel illegal aliens will be begging to leave with me in charge of the Trust for the peoples money and property.

  76. Put me in charge of the Treasury/DOJ…..I will make the infidels pay back what the stole & hijacked and see they all go to the State Pens for life x 3……!

  77. THEREFORE IT’S A PARTY IN THE U.S.A…! WHY? THESE FOREIGN JIHADIST INFIDELS NOT ONLY DON’T PLAY BY THE RULES….AND HAVE NO MORALS OR ETHICS ….BUT THEIR HEDONISM CAUSED US TO DISCOVER NOTHING THEY DO IS LEGAL…!

    THAT MEANS THE KORPORATE INFIDELS OWE WE THE PEOPLE OF THESE UNITED STATES INNUMERABLE AMOUNTS OF MONEY & SATISFACTIONS TO ALL OF OUR PROPERTY….!

    THE FACT THESE KORPORATE INFIDELS DID NOT TELL WE THE PEOPLE WE PAID….& REPAID FOR THEIR CRIMES IS FELONIOUS….AND A LEGAL TORTIOUS CLAIM IN DEFENSE OF FRAUDCLOSURE ….! MWAHAHA TO THEM…!

  78. DO NOT BELIEVE A WORD THESE FOREIGN INFIDEL JIHADISTS IMPOSTERS SAY….THEY HATE OUR LIBERTY….BAFANGUL TO THOSE LIARS…….THEY ARE FREAKING OUT BECAUSE THEY THOUGHT THEY EFFING OWNED THIS PLACE & THEY THOUGHT THEY EFFING OWNED US……OH HELL NO…..! TELL THAT FOREIGN JIHADIST …..THE BANK ATTORNEY ALREADY TOLD ME THERE ARE NO TRUSTS ……THAT MEANS THERE ARE NO NOTES OR MORTGAGES AND THERE NEVER WERE……!

    GOD BLESS AMERICA..!

  79. I HAVE LEGAL PROOF KORPORATE AMERIKA DECLARED WAR ON WE THE PEOPLE ON 9/11AJD WHAT HAS BEEN OCCURRING SINCE THAT DAY IS A JIHAD ON WE THE PEOPLE OF THESE UNITED STATES BY THE TBTF KORPORATE AMERIKA FOREIGN INFIDELS…..THEY ARE HEDONISTS…HEATHENS …..UTILITARIAN …TOTALITARIAN CONTROL FREAKS WHO DO NOT PAY FOR ANYTHING IN THIS COUNTRY BECAUSE WE THE PEOPLE PAY FOR EVERYTHING THAT HOG FARM ON WALL STREET DOO DOOS…!

  80. I have a very good person I trust(official capacity, per her contact), in another country…who says they do. They would never come forward with them, due to the implication. Again a very good source…cannot say 100% either and the source would deny anything said. Dunno, stripes, but I keep my eyes, ears and options open.

  81. Good Lord poppy if you think the notes exist somewhere then you don’t realize KORPORATE AMERIKA DOES NOT PAY FOR ANYTHING…!!

    THE PURPOSE OF THE GSESs IS TO ROB WE THE PEOPLE…….!

  82. The function of gnma is to guarantee / insure va and fha loans for the benefit of the lender. With the explosion of
    securitization, it appears gnma has made a new contract with issuers of mbs’s which impacts the rights of the investors
    and the duties of the issuer. In short, the issuer is to make and keep the investors whole.
    The issuers may then benefit from gnma’s guarantee.

    from GNMA

    “In the Ginnie Mae program, Issuers are financially responsible for their securities, even if the underlying mortgage
    collateral becomes delinquent.”

    jg: so the issuer of securities remains liable (“responsible”) for payment to the investors on the securities it issued.
    If that’s true, then the issuer is primarily liable to the investors, not the borrower.

    “While the GSEs are responsible for the financial losses related to the loans in their investment portfolios and MBS, the
    Ginnie Mae Issuer must make principal and interest pass-through payments to investors for delinquent loans, as well as
    provide the funds to re-purchase loans to foreclose on a home or modify a loan.”

    jg: the issuers must 1) continue payments to the investors on the securities and 2) repurchase the loan to a) foreclose or
    b) modify. This says to me that trusts should never be the foreclosing party on
    fha or va loans. “repurchase loans to foreclose”. If they do it anyway (prompted by the issuers), it’s possible if not
    likely they are abandoning the GNMA guarantee, which could cause an unwarranted loss to the investors.

    “Ginnie Mae Issuers are responsible for any unreimbursed costs associated with either violating insurers’ servicing
    guidelines or for inadequate insurance coverage. This requirement provides a strong incentive for private institutions to
    make better quality mortgage loans.”

    jg: not sure what all this means. There is something GNMA won’t cover to issuers, but it’s not clear just what that is.*

    “It is important to note that Ginnie Mae does not have a financial obligation to MBS investors unless the Issuer becomes
    insolvent.”

    jg: this to me is huge. GNMA does not recognize the investors as the lenders. GNMA’s guarantee is not to the investors
    unless the issuer is insolvent (like to see more on this hummer).ONLY if the issuer becomes insolvent does GNMA’s
    guarantee pass to the investors. The guarantee is to the issuer, whom to get the benefit, must repurchase the loan to
    modify or foreclose and THEN GNMA’s insurance or guarantee will kick in TO THE ISSUER. So it appears that without
    repurchasing as is contractually required, the issuers instead use the credit bid of a trust to get the collateral or
    show the trust as the foreclosing party and sell at f/c sale to a third party. The issuers don’t appear to be complying
    with this contractual obligation when arranging a foreclosures in the names of the trusts, so whether or not the issuer
    then passes the gnma guarantee / insurance monies to the investors is unknown, at least to me. (the investors were to have
    been made whole by issuer repurchase before the foreclosure (taken out of the act) but aren’t being. Hard to conclude
    anything else when the foreclosures are being done allegedly by the trusts which violates the issuers’ contractual
    agreement with GNMA to repurchase (take the trust / investors out of the act), issuers cause the foreclosures to be
    brought in the trusts’ names. The contract between the issuers and GNMA is being violated in one “trust” foreclosure after
    another. And if the investors don’t ultimately benefit from GNMA’s guarantee, it is further heinously criminal, which begs
    the question: WHO is looking out for the trusts? Do the pension funds, say, even know how this is supposed to work?

    Some people comment here about GNMA and loans. GNMA has never purchased loans nor do they hold original notes. A copy of
    certain documents from the loan file (which was presumably underwritten to FHA and VA guidelines)* are sent to GNMA who
    then issues a certificate of guarantee (VA) or insurance (FHA) to the party who tendered the documents for the guarantee
    or insurance. If not for the contract between the issuers and GNMA, the guarantee or insurance would inure to the benefit
    of the current lender (he who has a properly negotiated note and assignment of the coll instrument). Another contract has
    intervened in the relationship between the trusts and enforcement of loans. By that contract, the loans are not enforceable by the
    trusts, but this can only be true if somewhere this is spelled out between the issuers and the trusts, i.e., the trusts
    had to agree to this or the whole thing is one big farce, for lack of a better word. At least
    contractually, these particular loans are not enforceable by the trusts. A third party, the issuer, has contractually
    agreed to repurchase upon borrower default. .
    Further, it’s my understanding that GNMA thru FHA and VA will only respond to claims made by GNMA approved servicers. I
    have seen FHA tell an unapproved servicer, who under the terms of the GNMA – Issuer contract would be making the claim on
    these particular loans for the issuer who repurchased the loans) to eat a rock for lack of that approval.

    *there may be times when GNMA has refused guarantee or insurance on a loan if, say, a spot audit found the loan was a
    piece of crud not underwritten to their guidelines and that may be the part referred to above (or that the loan is being
    serviced by a non-approved servicer).
    lay opinions – ask a lawyer or 10

  83. And IMHO I also think, the MBS buy @ 43 Billion per month is to solidify debt by the taxpayers via, Fannie and Freddie, who have worthless paper. The only way to sell the real estate is give it debt collection rights, which ole Bernake has done, very well. Essentially we have another bailout of junk bonds(worthless mortgage backed securities) IMO. Any takers on this?

  84. I can only add Patrick, that I don’t think they lost the notes, they were withheld and do exist somewhere, due to the manner in which they assigned the debt to us, hiding the truth about the “illegality” of what they have done. The notes exist, but have been used to alter the parties for collection of the debt they created on our behalf, under a contract they are party to, not us, under the “illusion” of the promissory note, in the courts….nice of them!

    The game is slick, as I said. Making it appear on the surface the promissory note gives them collection rights, as servicers, NOT lenders. And the trusts, many of which do not exist legally(very important), so they are not working under any PSA agreement/contract. They are debt collectors, collecting on collateral that has been lost, without a proper lien and have lost those rights circumventing the rules of trusts, which include rights in the PSA(gone for them) as the conversion nullifies the obligation signed. They know it! Distancing themselves with holdings companies that claim to own REIT trusts after years(formed in 2010-2011) when origination’s occurred in 2005, 2006, 2007, etc…, oh please…say it ain’t so!

  85. Loan mod agreement has to be put together to try to protect from all contingencies when they try to foreclose on you again through fraudulent escrow accounts, new outrageously expensive insurance policies, accusations of nonpayment, withholding your payment, dual tracking, loan mods that are refused after you paid everything you have, etc. Remember, if they can fleece the sheep some more, they will do it.

  86. KORPORATE AMERIKAS EVIL LITTLE UNDERLINGS ARE LYING AND COVERING UP FOR THEM ALL OVER THIS BLOG….!

  87. KORPORATE AMERIKA HAS NO LEGAL RIGHT TO TAKE AS MUCH AS LAST WEEKS NEWSPAPER FROM YOU LET ALONE YOUR MONEY OR PROPERTY BECAUSE WE THE PEOPLE PAY FOR EVERYTHING UPFRONT AT THE ORIGINATION…..! WAKE UP AMERICA…! KORPORATE AMERIKAS BOARD OF DIRECTORS ARE USING THEIR EVIL UNDERLINGS AT THE LOCAL STATE AND COUNTY LEVELS TO STEAL OUR LIBERTY…..!

  88. THE KORPORATE AMERIKA CONTROLLERS ARE STEALING YOUR LIBERTY UNDER FALSE PRETENSES AND IS EVIDENCED BY THE LEGAL FACT THEY HAVE NO RECEIPTS….NO PROOFS OF PURCHASE….!

  89. CORRECT TYPO….THAT IS WHAT THEY ARE CONCEALING FROM WE THE PEOPLE….THE ORIGINATION FRAUD……WAKE UP AMERICA THEY ARE STEALING YOUR LIBERTY…..!

  90. DON’T ACCEPT THE MARK OF THE BEAST FROM KORPORATE AMERIKA PEOPLE…..! THEY DON’T OWN ANYTHING BECAUSE WE THE PEOPLE PAY FOR EVERYTHING….THAT IS WHAT THEY ARE CONCEAKING FROM WE THE PEOPLE…!

  91. DON’T BELIEVE THESE HEATHENS AMERICA…! THERE ARE NO EX POST FACTO LAWS IN OUR CONSTITUTIONAL REPUBLIC….!

  92. SPEAK FOR YOURSELF MISS DEBORAH…. I KNOW WHO WE THE PEOPLE ARE…..WE ARE THE PEOPLE WHO PAY FOR EVERYTHING IN THIS COUNTRY….THAT’S WHO WE THE PEOPLE ARE….

    KORPORATE AMERIKAS BOARD OF DIRECTORS ARE HEATHENS & FELONS…WHO ARE HERE TO STEAL OUR LIBERTY….!

  93. In other words, the Very Serious People who run things from behind the scenes have determined that mortgage documents are no longer necessary. They’re so last millennium.

    Oh, that obviously goes for those pesky little state property laws as well. Who needs them, when there’s a national registry in place that determines who you’ll have to answer to when buying a home? Don’t like it? Got your own lobby with unlimited fed window withdrawals? If not, don’t expect to be represented on Wall Street….er…I mean D.C.

  94. @Poppy July 15, 2013 at 7:55 am said:

    “And IMO, when they converted the notes to certificates or bonds, with our names on them it makes us, on paper only, obligated to pay for the debt THEY created, slick! ”

    No tangible paper Poppy! Only conversion to electronic media file or digital equivalent to the paper based note.

    See relevant excerpts from a comment letter to the Florida Supreme Court task force on residential mortgage foreclosures by the Florida mortgage bankers association dated Oct 2009. To wit;

    from pg 4

    “The reason “many firms file lost note counts as a standard alternative pleading in the complaint” is because the physical document was deliberately eliminated to avoid confusion immediately upon its conversion to an electronic file. See State Street Bank and Trust Company v. Lord, 851 So. 2d 790 (Fla.4th DCA 2003). Electronic storage is almost universally acknowledged as safer, more efficient and less expensive than maintaining the originals in hardcopy, which bears the concomitant costs of physical indexing, archiving and maintaining security. It is a standard in the industry and becoming the benchmark of modern efficiency across the spectrum of commerce, including the court system.”

    from pg 3

    “In actual practice, confusion over who owns and holds the note stems less from the fact that the note may have been transferred multiple times than it does from the form in which the note is transferred. It is a reality of commerce that virtually all paper documents related to a note and mortgage are converted to electronic files almost immediately after the loan is closed. Individual loans, as electronic data, are compiled into portfolios which are transferred to the secondary market, frequently as mortgage-backed securities. The records of ownership and payment are maintained by a servicing agent in an electronic database.”

    If certain parties agreed to conduct loan sales using electronic means, transfer of paper did not occur. And if the borrower didn’t assent to electronic means, the electronic transaction doesnt bind the note maker.

    You’re right, on paper it may seem like your obligated to pay a debt under a tangible note but in fact the creator and seller of the electronic media file (the quasi promissory note) has become the debtor and the purchaser has become the creditor.

    Most likely, they sold these quasi e-notes forward before you ever contemplated taking out a loan. You were likely targeted for investment (targeted to cover the cash flow promise they already made to the e-note purchaser) – just plug in the pertinent data points. But you thought your promise to pay on paper was for a debt you incurred under terms presented at the closing table. Did they tell you about the bet they wanted your promise to cover? Obligated to pay for a debt THEY created, slick indeed!

    They never intended for the paper to be of any meaningful use in the secondary market. They just desperately needed the cash flow it generates. Their digital promise has been fulfilled by your paper promise.

  95. Who says MERS has to go? It’s about to be chiseled in stone….it and all the other atrocities that go along with the 1%’s securitization scheme, if the bankster’s bought and paid for GOP’s boys get their way. We’d best get rid of all of these jerks before they foam our runway to hell. From David Dayen:

    Now here’s the kicker. The repository’s defined purpose is to “address problems that can arise when paper notes cannot be produced, due to loss or destruction as a result of natural disaster or other causes; and to provide a uniform procedure for demonstrating the right to act with regard to such notes or other registered data for all actions in any State or Federal proceeding, judicial or nonjudicial, involving such notes or other data.
    To that end, here is Section 332 in its entirety:
    Notwithstanding any provision of State or Federal law to the contrary, by proper demonstration of registration with the Repository, any holder of an interest in any mortgage-related note shall satisfy any requirement for demonstration of a right to act regarding such note or other registered data that exists in State or Federal law, including any obligation to produce or possess an original note. The Director (of FHFA) shall provide for the establishment of procedures for proper demonstration of registration of any mortgage-related document and of an interest by the holder of an interest in any such document with the repository. Once registered with the Repository, such registration shall be a legal right enforceable in any judicial or nonjudicial process.

    Read more at http://www.nakedcapitalism.com/2013/07/house-republican-gse-bill-would-codify-mers-pre-empt-private-property-rights.html#DJhcr54r1b5KTyoG.99

  96. Msstripes i hate to tell ya but ” we the people” dont know who they are what they are or why they are here im not bring snooty and i am also work in progress, but its true -and so the hard working conscientious minority must do the work in the hope that it becomes contagious – being in truth, the whole truth .. Oh shoot i heAr jack nicholson. Again

  97. BOTTOM LINE…..WE HAVE A CONSTITUTION AND A RULE OF LAW THAT PROTECTS WE THE PEOPLE FROM FOREIGN IMPOSTERS STEALING FROM US AND THE POLITICIANS ARE LYING AND COVERING UP FOR FOREIGN IMPOSTERS TO OUR CONSTITUTIONAL REPUBLIC WHO ARE HERE TO STEAL OUR LIBERTY….! ALL TRAITORS TO GOD & COUNTRY ARE BEING REVEALED TO THOSE WHO GIVE A SHIT ENOUGH TO TAKE A LOOK…… THEN WHAT YOU WILL DISCOVER IS THESE FOREIGNER’S OWE WE THE PEOPLE INNUMERABLE AMOUNTS OF MONEY AND PROPERTY TITLES TO EVERYTHING…EVERY SINGLE THING….! THE TRUTH IS…THESE FOREIGN IMPOSTERS ARE THE DEADBEAT DEBTORS TO WE THE PEOPLE …&…..THE LOUSY RENTERS WHO NEED TO GET EVICTED BY WE THE PEOPLE OF THESE UNITED STATES….!

  98. WHY ARE WE THE PEOPLE FIGHTING SECURITIES FRAUD BY FOREIGN IMPOSTERS TO OUR CONSTITUTIONAL REPUBLIC WHO ARE FELONS …? WHY ARE WE THE PEOPLE FIGHTING A WAR WE ALREADY WON AGAINST THESE FOREIGN SATANIST …… HEDONIST…..UTILITARIANS ….WHO HATE US AND HATE OUR LIBERTY…?

    BECAUSE THESE FOREIGN IMPOSTERS OWE WE THE PEOPLE OF THESE UNITED STATES AN INNUMERABLE AMOUNT OF MONEY AND PROPERTY TITLES TO EVERYTHING BECAUSE WE THE PEOPLE PAY FOR EVERYTHING AND THEREFORE WE THE PEOPLE ARE THE REAL OWNERS OF THIS COUNTRY AND THAT IS WHAT THESE FELONS ARE REALLY HIDING FROM WE THE PEOPLE OF THESE UNITED STATES…!

  99. SECURITIES FRAUD IS A FELONY AND SECURITIES FRAUD AND LOAN MODS OR FRAUDCLOSURE ARE HEDONISM AND UTILITARIANISM…..

    EVERYTHING THESE FOREIGNERS DO FLIES IN THE FACE OF OUR CONSTITUTION….THE SUPREME LAW OF THIS LAND AND THE MORAL FABRIC OF THIS LAND ….. AND ALL OF THE LAWS OF THIS LAND….

    THESE FOREIGNER’S TO OUR CONSTITUTIONAL REPUBLIC ARE IN FACT NIHILISTS….THEY ARE THE IMMORAL AND THE LAWLESS ONES.

  100. DEBORAH SAYS THE REAL POWER TRIPPERS HAVE NO COUNTRY….THAT MEANS THEY ARE FOREIGNER’S ……AND WHY THEY WANT TO FRAUDULENTLY CONTROL OURS….! THEY ARE LIBERTY STEALERS OF WE THE PEOPLE AND STEAL FROM US IS ALL THEY DO….!

  101. We must look at the pertinent sections of laws that APPLY at a point in our own unique cases stripes.
    Securities fraud is one thing on my contractual end i am asking questions that involve me, my specific interests in the deal and what they did with my signature.

  102. THESE FOREIGNERS ARE ALSO EXTREMELY JEALOUS OF OUR LIBERTY…..!

  103. The banks and Korporate Amerika are all Foreign agencies and agents for these foreigner’s Deborah….HATERS OF OUR LIBERTY ….not just that but……..they are ALL LIARS AND THEY ARE ALL FULL OF SHIT…..!

  104. THAT’S RIGHT DEBORAH…..! Anyone not following the laws of this land and denying our LEGAL RIGHTS IS NOT JUST A GREEDY FOREIGNER……..THEY ARE IMPOSTERS TO OUR CONSTITUTUONAL REPUBLIC…..!

  105. There is a reason why the laws of this land have been kept a secret from all of us and the reason is a nefarious one. These foreigner’s were planning to steal our Liberty right in front of our eyes and call it an Operation of Law when in reality, these fraudulently induced mortgages, ongoing bailouts, loan mods, short sales, fraudclosures, bankruptcy, were and are the outright theft of our Liberty. Wake up America…!

  106. Lets define ” these greedy foreigners”
    Is Jame diamon a greedy foreigner
    Is the queen of england a greedy foreigner
    The ” banks” who are they stripes
    They are made up of individuals taught just enough ” processing” under their job description to help execute a ( yes) a securities fraud – Neil calls it ” plausible deniability”. You call it all sorts of things, it aint that simple, you obviously know this and so do we. Please stop going on n on
    The real power trippers have no country
    They dont need one. But we start cleaning house in our own home under the law that gives us that right – in there, lies our problem- right Louise.

  107. There is a reason we were never taught these things as a matter of fact. We are living those reasons right now.

  108. We also could use a LIBERTY CHANNEL so the American people can learn the things they never taught us in school. Like Constitutional Law, Property Law, Trust Law, Securities Law, Criminal Law, State Law and so on. We could use some Patriots to teach the American people something useful for once.

  109. We need more home & gardening shows in America and less food programs. These crooks think everyone is a greedy glutton like they are. The programming in this country is nauseating.

  110. Yo…ho..ho…they are doing a lot more than padding their pockets…what these creepy foreigners are really doing is stealing our Liberty. WHY…?They hate all of us and our Constitution and the laws of this land that protect us because they hate our Liberty.

  111. Bottom Line ….Foreigner’s have no legal rights under our Constitution and they all belong in prison for even bringing these fraud suits. They are greedy whores who already collected a Quadrillion dollars committing SECURITIES FRAUDS with our Securities and another $60.4 trillion in bailout money ……OUR MONEY backed by our $12 trillion dollar initial taxpayer’s investment.

  112. Is anyone even bothering to look and see if these trusts even exist? If not these foreigner’s are stealing more of our wealth from us and are not being held accountable for multiple felonies and are in fact committing more heinous and egregious felonies by being allowed to modify SECURITIES FRAUDS.

  113. They have a lot to hide exactly, and i hate stating the obvioud but when its done and on the record it is admissible under rules of evidence i do believe.
    ( not legal advice just my lay person opinion)

  114. That is it in a nutshell, what you say Poppy. Makes perfect sense,it padded their pockets just fine. They did literally take the contracts and completely tossed them in to the wind when they walked off that fine line to anything but what was in the contract. It should be that simple but it cant, right? There would be a world of chaos! Everyone that has had their note converted would essentially be free of their obligation. I can’t see too many people pulling that off – which they should, it’s plane Jane breech of contract etc, but holy cow would that cause a wave. A really, really big wave. They “fixed” that wave for big bank with the bail out, but when it comes to homeowners, ha. I only wish I could see something that messed up be righted.

  115. Just trying to post what I find. Interesting they need all these holding companies and BTW most of them are listed as “foreign entities”…Hmmmmmmmm

    Trying to think out of the box here. Much of what is being done or presented is not working well. I think the answers are out there, they are trying way too hard to hide behind this paperwork, pushing ti from one party to another?

  116. Poppy
    Indeed interesting im not sure i get all that but Im thinking about what you just posted re those holdings compsnies
    I swear its true the more you dig the more you find ( Bill Black)

  117. I’d like to know more about this:

    “don’t mention criminal because under Florida law threatening a criminal action to gain a civil advantage is a felony in itself and will undermine the credibility of the rest of your claims.”

    So I can find out if my state has a law like that. That is interesting.

  118. Has anyone here explored the “fractional” sales of these notes? That would certainly explain why they cannot name the party of interest, why the paperwork needed to disappear, and we have in NV alone, Las Vegas particularly, over 4000 holding companies with the same address…One familiar; CW Capital Asset management, which is affiliated with BOA, N.A., US Bank, and the SEC filing has a clause for loans sales designation of: servicing “only” platforms…these players and I use the term “players” because this is a shell game, have purchased the right of collection, off our signatures only! And IMO, when they converted the notes to certificates or bonds, with our names on them it makes us, on paper only, obligated to pay for the debt THEY created, slick! But it should also have voided/invalidated the note and obligation, as the note says nothing in it about our agreement to pay for their conversion of obligations to anything other than the promissory note, as written, IMO…nothing else makes sense at this point.

    And the last blog where I posted the home sales contract from Fannie Mae, confirms that for me…they cannot convey title(stolen homes, IMO), which hooks right back to the place we are all fighting from.

  119. End of day. Deed of trust is bad faith contract anyway. Mers has to go or the public must have acess to see whats going on, they created it they must deal with the consequences.

  120. The instrument had been chopped n chived behind the mers smokescreen that its impossible to know what it looks like at modification time, what you dont know may hurt you. Would you trust these guys , i mean really, who is going to punish them if they screw you again
    And they will because they can – well thus far, THAT is my worry.

  121. How does a modification return your property rights?

    Sent from my iPhone

  122. after my recent discovery requests and further QWR’s they began offering reinstatement, even if they did that…what happens when you would rather not have anything to do with them because of the fact they screwed you in not applying your payments over the years? Our Modification made our payments go UP from the original payment – what is they typical outcome if a homeowner can flat out show/prove several mortgage docs/applications were forged, from the homeowner to the notary etc. …if they can flat out show the chain of title is FAR from perfected? I think I would rather live in a TeePee than deal with the lender. Screw me once, WHY would I stick around to find out in 10 years they did it again!? …..”whoops, we only see half your payments for the last 3 years, NO,you were not paying in full”…(my arse!) …..If they don’t end up with my house that is…

  123. I am getting squat in Discovery, everything was replied as being…”irrelevant”..(when I asked who owned the loan :X)…”will lead to no information of use….” text book dah dah dah. If I have what I need in respects to showing multiple counts of undoubted forgery,payments being misapplied,…enough solid proof to back every one of my counter claims…………….
    should I keep hammering away and ask the judge to require them to produce (I am getting a kick out of them sending me different copies of the same documents when they do send me something) or just let it be and ask the questions in court? …Like who the creditor really is, producing the records for the actual “purchase sale” from the assignment, why is it there is no original of that assignment, where is it!? Demanding to know where my payments are going..my account (ha) or some investors…are these things you can address during trial or MUST have them in hand before you actually get to court. ,,,,if I can back up what I have addressed/accused do I really need to go further in Discovery? Finding more mess ups are always nice but I am not going to get anything without the Judge, which has not been involved at all yet as far as I know,????? let it be or push?

  124. “Fifth I should receive assurance, indemnification and a Guarantee of Title in which the true creditor is named as the mortgagee and that no other creditor or mortgagee will have any claims other than those specified expressly in the agreement.” Good luck with that one. Better off filing for QT on your own or having the entire contract rewritten from scratch. The bank doesn’t know who the creditor is…

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