So here is the deal. MERS allows anyone with a password and user ID to sign papers for them whether they are authorized or not. That policy continues but they now want people to complete "certification" to act as authorized signing officer. Keep in mind that once a person has gained entry to the system they can change the names…[...]

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Tags: authorized signing officer, foreclosure defense, MERS, policy bulletin NUmber 2010-1
Posted in bubble, Corruption, Eviction, securities fraud |

See the thing about the arrogance of these non-bank and bank financial institutions is they are rushing to get under the wire before the truth is revealed: they are not the creditor and they never were. Send your debt validation letters and don't let them sue without filing a motion to dismiss the same as the foreclosure actions. They have…[...]

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Tags: bailout, credit cards, disclosure, Federal reserve, fraud, Lender Liability, mortgage meltdown, pretender lender, securitization
Posted in bubble, Corruption, securities fraud |

If you have documents signed by John Crandall, here is some information on him that might assist in determining whether he was truly authorized to execute any documents. His close association with Litton indicates to me that he would be incapable of providing, knowing or even having access to a full accounting from the creditor although he might have information…[...]

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Tags: 713-561-8211, 713-966-8985, 713‐793‐4304, 770- 643-7288, 866-480-4949, Brad Norwood, Bradlv.Norwood@Prommis.com, documents, foresnic analysis, HERS, John Crandall, John.Crandall@littonloan., Litton Mortgage, Loss Mitigation Department, mortgagefraudblog.com, myvesta.org/articles/articles/177/1/Mortgage-Lender, National City Bank, National City Mortgage Co., Promiss Solutions, Randy Reynolds, rreynolds@litton.c-bass.com, TILA audit, VTMullaneyIndictment, www.btruelaw.com/LossMitigationContacts.pdf, www.las13.com/forms/LossMitigationContactList5-14-09.pdf
Posted in bubble, Corruption, Eviction, foreclosure mill, securities fraud |

Here is an interesting article from Tadly 2010/03/26 at 5:47pm Here is an interesting article Harder Part American Banker | Wednesday, February 24, 2010 By Jeff Horwitz * IndyMac Buyers Pick Up Another Failed Bank – February 22, 2010 * FDIC Rebukes Internet Video – February 16, 2010 In less than a year, the private-equity buyers of IndyMac Bank —…[...]

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Tags: Adjustable rate mortgage, Bert Ely, FDIC, Federal Deposit Insurance Corp, Federal Home Loan bank, Foreclosure Radar, HERS, Home Affordable Modification Program, INDYMAC, John Bovenzi, Michael Krimminger, OneWest, principal writedown, Sean O’Toole, Terry Laughlin
Posted in bubble, Corruption, Modification, securities fraud, Servicer |

Editor's Notes: Bank of America is smarter than most. It has created a web of companies whose function is to perform activities that hide the fact that it is Bank of America, and there are other pretender lenders who hide behind this entity who suddenly appears as "trustee" or some other entity claiming the right to enforce the note, foreclose…[...]

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Tags: (866) 781-0029, 1330 West Southern Avenue, 2380 Performance Drive, 75082, 800-281-8219, 866-207-0573, ATTORNEY FEES, AZ, AZ 85282-4545, bankofamericastore.com 2, BofA, CA, countrywide, Dallas, damages, Default and Special Release Services, Denise Sletten, Eva Tapia, file audits, fines, foreclosure services, FPS, HERS, Jeffrey Aiken, Jim Taylor, Kailash Bhuckory, lien release, Lien Release Services, Lorena Castillo-Ruiz, Mail Stop: RGV-C4-450, Mail Stop: TPSA-88, MERS, Real Estate Owned (REO), Rebecca Baney, ReconTrust, ReconTrust operating system, recontrustco.com, REO Customer Escalation Team, Richardson, Sam Shmikler, Simi Valley, Tempe, Texas, Trustee's Sale Officers, Trustee's Sale Processors, TSG, TX, unlisted purchases
Posted in bubble, Corruption, Eviction, expert witness, securities fraud, Servicer |

From any pool. Prospectus and any selling material. I WANT THE ACTUAL BOND. SEND TO NEILFGARFIELD@HOTMAIL.COM. THANK YOU.[...]

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Posted in Uncategorized |

YOU DON'T NEED TO BE DELINQUENT TO SETTLE OR MODIFY. It might just be a good time to pick up the phone right now and call the servicer, trustee, or whoever is saying they have your loan (even though they don't) and make a deal. Think about it first. Don't be too generous to them and don't be to greedy…[...]

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Tags: "modification" agreement, BofA, Complaint to Quiet Title, David Streitfeld, delinquent, friendly quiet title action, LAWYER, modification, Mortgage, Obama, quiet title, servicer, trustee
Posted in bubble, Corruption, Eviction, securities fraud |

The Federal Reserve Board has issued an interim final rule under Regulation Z to implement the recent Truth in Lending Act (TILA) amendment that requires new owners and assignees of mortgage loans to notify consumers of the sale or transfer. While mostly helpful in foreclosure defense,  the rule leaves open the question of ownership of the loans. Because of the…[...]

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Tags: agents, AGGREGATOR, consumer protection, contact information, creditor, foreclosure defense, legal notices, MERS, mortgage backed securities, mortgage loans, principal residence, Real Estate Settlement Procedures Act, Reg Z, resolve payment issues, RESPA, secured, statutory damages, TILA, violation
Posted in bubble, Corruption, Eviction, expert witness, Modification, securities fraud, Servicer |

NEWS REPORTS HAVE BEEN SPORADICALLY REFERRING TO THE OLD DERIVATIVES BEING RE-PACKAGED AND SOLD AGAIN. This is called resecuritization. It takes the old pools, or what's left of them, puts them together with other old pools, and creates a brand new Special Purpose vehicle that issues brand spanking new mortgage backed bonds. The backing in this case is the old…[...]

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Tags: 2009-12, Business Wire, CHL 2007-9, Class A-6, CLTV, collateral risks, combined loan-to-value, delinquency status, discovery, Fitch ratings, FOF, Frequency of Foreclosure, HERS, J.P. Morgan Resecuritization Trust, Loss Severity, ResiLogic model, risk factor, Wells Fargo, WFMBS 2007-11
Posted in bubble, Corruption, Eviction, securities fraud, Servicer |

SEE states-look-beyond-borders-to-collect-owed-taxes states-ignore-obvious-remedy-to-fiscal-meltdown tax-impact-of-principal-reduction accounting-for-damages-madoff-ruling-may-affect-homeowner-claims taxing-wall-street-down-to-size-litigation-guidelines taking-aim-at-bonuses-based-on-23-7-trillion-in-taxpayer-gifts payback-timemany-see-the-vat-option-as-a-cure-for-deficits As we have repeatedly stated on this blog, the trigger for the huge deficits was the housing nightmare conjured up for us by Wall Street. Banks made trillions of dollars in profits that were never taxed. The tax laws are already in place. Everyone is paying taxes, why are they not paying…[...]

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Tags: "out-of-state" transactions, damage awards, fines, penalties, predatory lending, real property, registration fees, revenue due from Wall Street, securitizing loans, state taxation, Tax Apocalypse, tax laws, taxes
Posted in bubble, Corruption, Eviction, expert witness, Modification, securities fraud, Servicer |