By the Lending Lies Team
Those of us the foreclosure defense industry don’t experience much laughter. For hours each day we try to provide guidance to people who have been victimized by their servicer, attorney and/or the courts. Often, by the time they come to us, the homeowner is in emergency-mode.
Yesterday, we did have a good laugh. While doing some preliminary research on a “corrective” Assignment of Deed of Trust, we did a little background on an employee at Ocwen who had signed the assignment. We discovered a profile for the document signer Amber K. Wilson on the Linked-in website.
It appears that Amber K. Wilson has been a Servicing Operations Specialist at Ocwen since May 2015. Located in Iowa, Amber was looking for an, “entry level position that offers internal growth potential” and requires that she, “be able to be a leader as well as follow instructions.” It looks like she may have landed her dream job as a Servicing Operations Specialist at Ocwen Loan Servicing. There is no doubt that she has job security in the burgeoning field of document fabrication, or that she can follow instructions by signing deceptive documents by the thousands.
According to her profile on Linked-in, Ms. Wilson says her current duties include, “Researching Mortgage Documents to verify a full Chain of Title is present. If it is not create the needed Documents (sic). Work from Excel Spread Sheet daily as well as several internal data programs.” Is Amber K. Wilson admitting on a public website that Ocwen Loan Servicing creates documents to create a “proper Chain of Title” if there are errors?
It is fraudulent to recreate a chain of assignment with fabricated documents to create the appearance the current servicer has standing. As Neil Garfield has repeatedly pointed out- copies of the note and assignment don’t document an actual transaction (sale, transfer)- they are nothing but window dressing to create the illusion an event occurred. Homeowners and their attorneys MUST obtain proof that a transaction actually occurred- not simply rely on documents that paint a story the service hopes to tell.
Amber began her job at Ocwen during March 2014 as a customer service representative where she “helped” homeowners with service issues. She is likely well versed in Ocwen’s documented practice of providing disinformation to ensure a default. Ocwen was recently forced to pony up $30 million to resolve lawsuits that claimed it didn’t properly include disclosures for loans it was servicing.
Amber operates a side business called Amber Wilson Imagery so she may have an eye for detail. Her background at Grainger (through Manpower), opening boxes at a Target distribution warehouse and assembling bathroom cabinetry likely provided excellent preparation for her current duties analyzing complex securitizations, real estate documentation and verifying they are accurate.
In this case, the Deed of Trust Amber K. Wilson signed is a complete sham and is referred to as a “corrective assignment” in an attempt to perfect two incorrect assignments filed 3 and 5 years before. The document in question lists a bankrupt Taylor, Bean, Whitaker/MERS assigning the Note to US Bank. Amber’s notarized signature witnesses a complete fictitious transaction.
Unfortunately for the homeowner who is a Vietnam Vet and the victim of these sham documents filed in the county records by Ocwen, he may become homeless unless he is able to find an attorney to stop this fraudulent foreclosure from proceeding. He served his country, is in poor health due to a dousing of Agent Orange, and his country does nothing to stop predatory servicers from taking advantage of our nation’s most vulnerable- our veterans, the elderly, and families who were offered predatory loans the lender knew would fail.
I wonder if Ms. Wilson, in pursuit of a glamorous career in the field of document fabrication realizes that she is verifying a legal document in which she has no personal knowledge, engaging in illegal practices, and assisting a corporation in stealing homes they don’t own.
The take away message from this post is that homeowners should research everyone listed on their loan documents. Who did they work for? Who do they work for now, and who did they work for when the note or assignment was signed? Compare their signatures on different documents- do they match or it likely someone else has signed their name? Is the signer named in other lawsuits?
I look forward to the judge reviewing Ms. Wilson’s job description on Linked-In. It would be great to depose Ms. Wilson. It is a federal crime to forge or fabricate assignments, notes and file them in the country records. Any falsified documents should result in sanctions for servicers and their attorneys. This little fun fact on Ms. Wilson likely won’t result in a slam-dunk win to defeat foreclosure but it does demonstrate that Ocwen is engaging in fabricating documents and doesn’t bother to educate their employees not to broadcast this crime on a public website.
By the way, shame on you Ms. Wilson and shame on your employer.