Bank Mortgage Fraud pt 1 of 5 HOW THEY DO IT…ERICA JOHNSON-SECK THANKS! MERS

stopforeclosurefraud.com lawyerthatgetsit.com MersCorp was formed in the early 1990s by the former CEOs of Fannie Mae, Freddie Mac, Indy Mac, Countrywide, Stewart Title Insurance and the American Land Title Association. Smell anything funny??? Here I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles. Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference. Law Offices Of David J. Stern PA in Plantation Florida http Stotts Dennis Kirkpatrick Don’t forget INDYMAC was shut DOWN /CLosed Kaput 3/19/2009….How did they get these signed on their behalf? These people are ALL over the US pulling this crap Do searches on them and all and see what you can find out to save your home. Judge Dale Ross in Broward County gave my home to IndyMac Bank (Property Managers) and when I tried to speak he rolled his eyes and said “What Difference Does it make”?????? He pre-judged me and this is not his job… The “difference” “is” the courts are aiding & abetting FRAUD. Yes Google his name and we will see how his peers enjoy him. I did NOT have a fair trial. I was raped from my RIGHTS as a citizen. www.browardpalmbeach.com Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all. Uncover Violations: Get an Audit fmi …

Tags: April, assignment, bank, bernake, Charney, Concealment, congress, David, Dennis, Deutsche, Erica, florida, fraud, Fraudulant, Garfield, Geithner, government, Hamlet, in, INDYMAC, J., Johnson-SECK, Kirkpatrick, law, mortgage, Muckle, Neil, obama, of, Offices, Onewest, PA, Paul, paulson, Plantation, Roger, Stern, Stotts, transfer

Mortgage Fraud, Forbearance and Foreclosure

Many people today are suffering the loss of their jobs, their income and their homes. Legislation has been passed by Congress in an attempt to help these diligent home homeowners, who through no fault of their own are losing their homes to foreclosure proceedings by the banks and lenders. These desperate homeowners are contacting their banks and lenders in an attempt to modify their loans, for example by reducing their monthly payments, by reducing interest rates or tacking unpaid mortgage payments on to the end of their loan. The banks received TARP funds, bail out monies, from the Federal Government with the intent to enable the banks to begin loaning money and/or modifying existing loans to stimulate the economy and assist these desperate homeowners who have fallen on hard times. However, no matter what you hear, the banks are NOT loaning money. Instead, homeowners are being given the run around. Homeowners make innumerable calls to their lender inquiring about a loan modification. Most of the time, the homeowner is met with no answer. Messages are left on the lenders voice mail; however, the messages are seldom returned. When a homeowner is fortunate enough to speak to a lenders representative, phone calls are put on hold, disconnected, transferred, shuffled from person to person and department to department. Some homeowners state they have made over twenty (20) phone calls in a month and sent multiple copies of requested documents to their lender. When the homeowner …

Tags: bank, deed, forbearance, foreclosure, fraud, law, lawsuit, litigation, loan, Modification, mortgage, RESPA

Bank Foreclosure Fraud “WHAT DOES A MORTGAGE NOTE LOOK LIKE” -Trompe l’oeil

stopforeclosurefraud.com A “Note” is a promise to pay _____. A “Note Rider” is not a “NOTE”. It is added or is “made part of” a note. I am gettting emails that these “Riders” are being submitted as “Notes”. My opinion is that they are trying to trick you and the judge as long as the word “Note” is there. Check to see if your Lender named is the Foreclosing Lender NOW. Check if there were any Assignments of proof that they did so. In most cases NONE were ever done as required. This is where it all starts…Make sure if your Note is signed that it is your Signature and not FORGED. If it is presented in court…Do not touch the paper as your “Original” will contain your Finger Prints as DNA. This is if your really willing to challenge and do a FULL FORENSIC evaluation. Here I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles. Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference. Law Offices Of David J. Stern PA in Plantation Florida Roger Stotts Dennis Kirkpatrick These people are ALL over the US pulling this crap Do searches on them and all and see what you can find out to save your home. Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all. Uncover Violations: Get an Audit fmi-audit.com These …

Tags: April, assignment, bank, bernake, Charney, Concealment, congress, David, Dennis, Deutsche, Erica, florida, fraud, Fraudulant, Garfield, Geithner, government, Hamlet, in, INDYMAC, J., Johnson, Kirkpatrick, law, mortgage, Muckle, Neil, obama, of, Offices, Onewest, PA, Paul, paulson, Plantation, Roger, SECK, Stern, Stotts, transfer

mortgage loan foreclosure law suit appeal by private attorn

www.rcxloan.com Read free info on mortgage loan foreclosure home law suit appeal at the us supreme court by private attorney general on behalf of the american public and the us government against chase and deutsche bank

Tags: at, Attorney, foreclose, foreclosure, foreclosures, fraud, homes, in, law, lawsuit, lending, mortgage, predatory, truth

Bank Mortgage Foreclosure FRAUD

stopforeclosurefraud.wordpress.com I thought I have seen it All but …BOGUS Assignments of Mortgage?? Judges are signing these off!!! SOURCE: 4closurefraud.org Here I will show you how MY personal Mortgage Foreclosure FRAUD happened. Pay close attention and learn before it is too late. Here are the subjects and principles. Hi Erica Johnson-SECK (SICK) I read in your Deposition how you google your name …Just add this one for reference. Law Offices Of David J. Stern PA in Plantation Florida Roger Stotts Dennis Kirkpatrick These people are ALL over the US pulling this crap Do searches on them and all and see what you can find out to save your home. Learn from this study it and maybe WE ON OUR OWN without the GOVERNMENT can make a difference. Thank you for allowing us to loose our wealth, rights, and justice for all. If you need help PLEASE GO TO: www.foreclosurehamlet.org livinglies.wordpress.com 4closurefraud.org These are some excellent resources. YOU ARE NOT ALONE. IT IS NOT YOUR FAULT OUR GOVERNMENT FAILED US. We have just scratched the surface. Wait to see what is at the CORE.

Tags: April, assignment, bank, bogus, Charney, Concealment, congress, David, Dennis, Deutsche, DOCX, Erica, florida, fraud, Fraudulant, Garfield, Geithner, government, Hamlet, INDYMAC, J., Johnson, Kirkpatrick, law, mortgage, Muckle, Neil, obama, of, Offices, Onewest, Paul, paulson, Plantation, Roger, SECK, Stern, Stotts, transfer

True Stories of Mortgage Company Abuse

It ’s really difficult to see that we as a people have not learned from our past and are once again starting to cycle it. I’m not trying to be derogatory just for the reason of bringing down someone’s hopes but I’m trying to save some heartache for someone and hoping that someone will pay very close attention to what I am about to say.

Just in case you have missed the majority of the last couple years, PLEASE NOTE: MODIFICATION COMPANIES ARE A BAD IDEA! Please know that I am, saying this since I have lived and worked on all 3 sides of the business. After having experienced what it’s like to be involved on both sides of the business I can truly say that there are so many pitfalls for the average Homeowner that tries try to navigate the Loan Modification / Foreclosure Defense process alone.

There are so many little details that can be missed while doing it alone in matters of Foreclosure. If you miss one piece of mail After all it is your HOUSE and your family safety on the line. The SCAMS are endless, people impersonating Attorneys, altering numbers on HUD statements so they can pocket the difference through title. What is wrong with society today, its almost as if the whole world has gone nuts? If you are a Homeowner at risk loosing your Home to foreclosure, the best advice I can give you is to think clearly and look at the situation from a calm perspective with a Loved one (someone you trust) and brainstorm for a solution or plan of action after you have taken the time to research a good attorney who has given you a professional perspective on the subject.

After having worked in the Mortgage Biz for years, I left because I saw where the business was heading and I really didn’t want to have to hold the burden of guilt for putting people in Loans I didn’t agree with. It always seemed that in the Mortgage business the only thing they cared about were numbers, volume of sales and Yield Spread, to be more exact it was all about anything that packed more money in everyones pocket.

The truth is I really feel good about what I do now because I know we are genuinely helping people and I know that our attorney is governed and held accountable by the Bar Association in our state. It’s much more comforting to work in an industry where the agency regulating your industry plays more of an active roll in protecting the public. Do your homework and THOROUGHLY investigate any firm before hiring them to save your biggest asset and the place you call “home”. Most State Bar Association Sites have a member search which can help you get a background report on who you are considering to protect your home.

Just think about it before you entrust anyone other than a Licensed Attorney to protect your dwelling. Would you give another nickel to the slime that sold you your Predatory Mortgage in the first place??? Remember, statistics show that most of those same people transitioned from Mortgage Lending into “Home Saving”, so think about that before you let them make you a victim a second time.

Adam Whazzer has been a financial expert for years” Adam has offered Credit Card Help and mortgage help to foreclosure victims for nearly’ years. If you are facing foreclosure, stop by for More Info On this Subject

Tags: advice, credit, debt, Finance, foreclosure, home, law, legal, mortgage, Mortgage Loans, personal finance, self-help

What Are Home Owners Rights during Foreclosure

Home foreclosure is one of the greatest fears of families due to debt. Even though this is true we often take our bills for granted in favor of our credit cards. Before we know it bills have easily stacked up and we end up not knowing who to pay first to stop the calls, and the current economy is not making this situation any easier.

Even though your house is being foreclosed there are still legal procedures to follow. Your lender can’t just kick you out of the house. There are laws that protect homeowners from these situations. Here are some of the important facts you need to know when facing a foreclosure.

Can I just get kicked out of the house if I fail to pay my mortgage?

Simply put: No. The mortgage lender/bank can only kick you out of the house with a court order. Before they can do that they also have to follow a set of legal procedures.

How long does the foreclosure take before they take my house?

Well depending on how hard the lender pushes the case, it can take as long as six months.

After the foreclosure process do I have to get out of the house?

No you don’t have to. After the foreclosure auction ends the ownership will be transferred from you to the highest bidder. You will become a tenant of the house. The new owner must also follow legal procedures before he or she can evict you out of the house.

In some cases you can become just a “renter” to the new owner. (this is dependent on the new owner of course)

What happens when I get evicted?

The new owner of the house may send you a notice to leave the premises. The notice usually gives you 72 hours. If you fail to follow the notice the new owner must present his case to the court before a judge to get an order for you to be evicted. The judge will be the one to decide if you should be evicted or grant you more time. If you fail to follow the court order the new owner may procure an execution of the eviction order.

The sheriff will give you a notice of the execution and give you 48 hours to pack and leave. If you fail to follow the notice this is the time when the sheriff can physically move you out of the premises.

Doc Schmyz has done real estate deals all over the US and Canada. His free website shares Real estate investing information for all over the US. Find real estate information by state

Tags: debt, estate, foreclosure, law, mortgage, Mortgage Foreclosure, real, real estate, retirment, wealth

Check Out These Foreclosure Scams To Avoid

Foreclosure is one of the worst things that can happen to a homeowner. Knowing there are crooks waiting to prey on your fear and vulnerability makes the situation even more worrisome. Thousands have fallen prey to phony foreclosure counseling, phantom help, bait and switch, rent to buy, and bankruptcy foreclosure scams. Being able to see the telltale signs of a foreclosure rescue scam can save you the agony and suffering of becoming yet another victim.

What should you watch out for? Beware of any rescuer that guarantees or promises to save your house. You need to steer clear of any company that guarantees to end your foreclosure, tells you not to contact your lender, a attorney or credit and housing counselors, requires an up front fee before providing services, will only accept certified funds or wire transfers as payment, or instructs you to make your mortgage payments to them instead of your lender.

Bait and switch con artists outright take your home by scamming you into signing papers that transfer the property deed or title to their corp. Equity skimming scams steal the equity in your home while leaving you with your mortgage obligation. In the rent to buy scheme you are told to surrender the title of your home, but you will be able to remain in it as a renter. Although you have the option of buying it back, generally the terms are so outrageous it is impossible to do so. Avoid any company that instructs you to sign over the title or deed to your house.

Staying calm and not reacting under pressure is the best thing you can do. Con artists will often offer to fill out paperwork for you. While you think they are giving a rescue loan for you, in reality, they are taking the dollars youve given them, filing a bankruptcy in your name and taking your house. Do not sign anything that you are unsure of or dont understand, and never allow any company to fill out paperwork for you.

Knowing where to turn is your best defense. You should start by calling your lender and trying to negotiate a payment plan. Additionally, the FTC offers free information that helps consumers recognize and avoid fraudulent, deceptive and unfair business practices. If you feel you have been the prey or a foreclosure rescue con you can file a complaint at the FTC website.

Tags: advice, credit, debt, Finance, foreclosure, home, law, legal, mortgage, Mortgage Loans, personal finance, self-help

In Foreclosure, The Banks Want Your Home More Than Ever.

Note: I am not an Attorney and any information I provide is not to be taken as Legal Advice, my reason for writing this article is only to create awareness for the benefit of Borrowers and Families at hardship. I work for a Law Firm specializing in the representation of Homeowners and Families in danger of Foreclosure. What the lender doesn’t tell you is that in most scenarios, the Mortgage Modification terms the banks are willing to give you voluntarily when you modify your loan directly with them are in most cases substandard in comparison to the Mod terms you will receive when hiring an attorney who specializes in Loan Mods and Foreclosure Defense. Again, I am not a Lawyer but I have been working for a Foreclosure Defense law firm for longer than most authors on the subject and my Mortgage Lending experience is extensive.

Working for a Loan Modification & Foreclosure Defense law firm, in my personal daily experience it has become apparent that a good law firm is most often able to negotiate much better mod terms for mortgage holders than banks are normally inclined to give when a borrower engages in direct dealings without representation. In some cases I’ve even seen scenarios where the law firm is able to secure modifications to a mortgage which result in interest rates an repayment plans for “B-C Paper” or Sub-Prime Borrowers which are far superior than those available to “A Paper” borrowers with spotless credit histories and FICO scores above 720.

Loan Modifications (also referred to as Loan Mods), when executed by licensed attorneys, can be extremely effective methods of avoiding foreclosure or stopping foreclosure before it starts by adding changes to the original terms of your mortgage. Altering your mortgage terms can be a HUGE savings in regards to your Monthly Payments, Interest, and even Mortgage Terms in regards to the number of years in which you have to repay the loan, and sometimes resulting in a great savings due to a reduction to the Principal Balance amount owed on the loan.

Law firms have several weapons in their arsenal for foreclosure defense which can help them to create leverage when negotiating with your mortgage holder. One of those tools is what’s called a Forensic Audit. A Forensic Audit is one of many highly effective ways used to show Fraud and other serious errors made on behalf of your Lender during the origination and closing of your loan. Forensic Audits show things like Forgery or Violations of the R.E.S.P.A. (Real Estate Settlement Procedures Act), T.I.L.A. (Truth In Lending Act), among others in relation to Federal Guidelines and Regulations which must be strictly adhered to by professionals working in the Mortgage Lending Industry. Once discovered these violations can become essential to the defense of your home and modification of your loan. In my experience lenders are often much more inclined to work with borrowers to provide loans in their best interests when there is an attorney behind them with enough artillery in their war chest to influence a Judge to rescind or take the loan back from the bank.

Banks are like Casino if they could have it their way the “House” would always win, if you want to stack the cards in your favor then hire a Law Firm specializing in the Defense of Homeowners so maybe the owner and family of the House can win instead.

Tags: banking, family, Finance, foreclosure, home, law, legal, lending, mortgage, Mortgage Loans, personal finance, real estate