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June 20, 2011

JP Morgan Chase sued - for FRAUD - Again !!!

1 COMMENTS
This story from our friends at OhioFraudclosure.  They are hard at work exposing the foreclosure fraud in Ohio.  Click on their link above and visit them frequently.

Two (2) Major Lawsuits seek close to $ 1 BILLION DOLLARS 

Mounting evidence of outrageous behaviour and even more examples of outright FRAUD (committed by JP Morgan Chase?) has become so overwhelming & obvious, that soon, we'll need "State Scorecards" to track the sheer volume and huge numbers ...of lawsuits... being filed against JP Morgan Chase.
Read their full story...click here

November 15, 2010

New York State Foreclsoures Grind To A Halt

3 COMMENTS

This article originally posted in BarackObama666.com

In the three weeks-plus since New York State Chief Judge Jonathan Lippman put the foreclosure lawyers on notice that any fraud in foreclosure paperwork would be met with severe penalties -- he is making lawyers sign affirmations promising they took "reasonable" steps to make sure the legal papers are true -- practically no new foreclosure cases have been filed, The Post has learned.  
This action speaks loudly and should speak loudly to Chief Justices in all 50 states.  The banks and their lawyers have been and are still committing fraud which last I saw is against the law.  Even the Bar Associations of every state seems to condone this fraud as they themselves – as the watchdog over lawyers – do nothing given all the evidence that has been made public.

Read more in the New York Post...click here  

Editor's Note:  This article was written for our sister site - TheForeclsoureDetonatorFORUM. 

What is causing this in New York?  The fact that the chief judge in New York – Chief Judge Jonathan Lippman – told all attorneys that any fraud found in any of their foreclosure filings would be met with severe measures.  The New York Post reports that
he is making lawyers sign affirmations promising they took “reasonable” steps to make sure the legal papers are true.This affirmation has caused not only no new foreclosure actions being filed but existing cases are in a holding pattern.  
Lawyers in New York, I believe,  know that the paperwork they have is shoddy at best and that there may be fraud existing in the files they receive from the banks.  At the very least, in order to prevail, they would have to create fraudulent paperwork – ala David Stearns old paper creating firm Weforgem and More, LLC (not really the name of the company he created to forge docs but I just could not resist)  New York lawyers – seems like all of them handling foreclosures for banks – are afraid to lose their license and they should be.

This action speaks loudly and should speak loudly to Chief Justices in all 50 states.  The banks and their lawyers have been and are still committing fraud which last I saw is against the law.  Even the Bar Associations of every state seems to condone this fraud as they themselves – as the watchdog over lawyers – do nothing given all the evidence that has been made public.

I believe that anyone is innocent until proven guilty- but in this case – the evidence is conclusive.  It is out in the open for all to see and there are plenty of credible admissions to this fraud.  What more do we need to begin prosecuting?  I, for one, would give rob – signers immunity in exchange for their testimony.  They, after all, were just doing what the boss was telling them to do so they could get their measly paycheck at the end of the week.  The boss, on the other hand (all CEO’s), were giving out instructions for this fraud so they could continue to get their hundreds of millions in paychecks.  Yes, I am making the assumption here that the CEO’s are or were aware of the fraud and therefore should be held accountable.  Again, innocent until proven guilty but in this case if one goes back to investigate all the fraud that has taken place one would find, I believe, that the CEO’s were very much aware of the fraud and probably gave instructions themselves.  You see, some of this fraud could only have been committed with instructions from very high levels.  Just like the case with Bernie Madoff.  If anyone still believes he acted alone then I would like to sell you the Skyline Bridge here in Tampa Bay. (It is a better value then buying the traditional Brooklyn bridge because of the weather)  Any takers?  I have an even better idea for the sale of this bridge – I will securitize it and each of you non believers in the extent of this fraud can buy a share of it.  Now, any suckers, I mean takers?

Yes, folks, I along with dozens of other bloggers have been trying to expose this fraud for months and in my case for years.  Problem is, we have but somehow the law and those responsible for uholding the law – judges, prosecuters, Bar Associations, lawyers, Attorney General’s (Federal and State) don’t seem to care to uphold the law for some.  A selective process which eventually will bring down our entire legal system and the democracy within what used to be a Republic will disappear.  The “elite” few will rule and function outside of the law while the rest of us peasants will be overly subjected to these same laws losing our lives, our liberties and our ability for our pursuit of happiness.

WAKE UP AMERICA.  Only “we” can bring justice back.  Only our combined, unified voices can make our lawmakers and police enforce the law against everyone.  No one is Too Big to Fail nor Too Big Not To Go To Jail.

Read the entire N.Y. Post article…click here

November 9, 2010

The Wall Street Conspiracy...As broadcast on TruTV's "Conspiracy Theory"

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This is a MUST SEE program.

Jesse Ventura, former Governor of Minnesota and  host of TruTV's program Conspiracy Theory exposes the scam that brought the country into financial ruin.  He exposes - through interviews with Wall Street insiders such as Nomi Prins, former Goldman Executive turned whistleblower and Matt Taibbi reporter for Rolling Stone and author of the "Giant Vampire Squid" label he placed on Goldman.  Also interviewed such people as Rep. Ron Paul in reference to the Federal Reserve offering some very important information which some of us already know but all need to know.
This program exposes the criminal activities, the fraud and the cover ups that lead to the Great Recession we are still in the midst of.

This is a must see program already viewed by thousands but should be viewed by all Americans.  We Americans have been "had".  We have been "duped".  We have been and robbed.  In fact, we are still being robbed.  As I have been saying, a systematic program of stripping Americans of all their assets - money, property, jobs and entitlements - leaving us totally dependent on a government controlled by Wall Street, the Federal Reserve and their true owners - foreign bankers whose families were involved in its inception back in 1913 and will continue control until we, as a nation, decide to dissolve the Federal Reserve.

There have been thousands of views already.  If you like it like I do, then please forward it as well.  America MUST KNOW the truth.  The information in this program just further verifies what I and others have been writing about for years.


Wall Street Conspiracy with Jesse Ventura...Part 1

Part 2


Part 3

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October 12, 2010

Who Owns My Mortgage Note...Demand To KNow

6 COMMENTS
Click here to visit 
WheresTheNote.comThis email came to me from SEIU - Service Employees International Union - a union, who for the most part, supports "the people".  I say, "for the most part" because there are times when I do disagree with them but as far as unions go, this is one of the better ones.

It includes a link to a web site that allows you to easily modify a letter to your bank and allows you to email it with a simple click of a button.

It has a very comprehensive list of banks and a link to go to if your bank is not included.  In addition, it provides a toll free number for each bank.

there are two problems I find with this web site - www.wheresthenote.com.  The letter is addressed to "the bank" not the servicing company that actually is managing your account.  However, in many cases, your servicing company is owned by the bank addressed to.  You need to refer to your payment stubs or your payment book of coupons to see who you actually make your check payable to or if already in foreclsoure, who the named Plaintiff is.

The second problem I see here is in the body of the letter that you can and should modify.
The last paragraph of the letter reads:
  To protect myself and my family, I need to know who owns my mortgage. Within thirty days, I would like to know the name, address, and phone number of the bank or investor that owns my mortgage. Furthermore, in light of the recent allegations of foreclosure fraud, I demand to see the original mortgage note proving ownership over my home loan. If you fail to produce a mortgage note proving that you have a right to collect my mortgage payments, I will be forced to consider all options available to me to ensure that my family and my home are protected.
The last, highlighted bold sentence is the one I don't agree with.  This is why and I will bold my comment.

You are asking "the bank" - not necessarily your servicing company - to give you the name and address of the "true" owner of your note.  If your "bank" is not the "true" owner then it will not have, should not have and cannot produce the original note.  Second, if you are writing to your servicing company (that often have the name of the bank as part of their name) they never own your note and therefore should not have the original note in their possession.

Having possession of the note DOES NOT, I repeat, DOES NOT give them the right to collect your payments nor take any foreclosure action against you. You will have little defense if you stop making your payments to them or take any legal action against them for not providing a copy of the original.

If you want to insure that whoever you are writing to has the right to collect your payments you should ask them for a copy of their servicing agreement with the "true" owner of your note or at the very least that "portion" of the agreement that indicates their servicing rights.  They will not disclosue to you their entire agreement which would include their fees, etc

Here now the email:
Larry,
Click here to visit 
WheresTheNote.comThe big banks' BS is starting to catch up to them.

Last week, JPMorgan Chase announced they were halting foreclosures in 23 states. Turns out, the bankers in charge of approving the foreclosure paperwork weren't even reading what they were signing. Now, one by one, foreclosures at America's biggest banks are grinding to a halt. It's gotten so bad, several states are taking the banks to court - calling for an immediate freeze on all foreclosures.

The banks created this mess, it's on them to clean it up. You have a right to know if your mortgage is affected. If you're a homeowner, will you send a letter to your bank and demand to see your original mortgage note? You can do it online in less than five minutes: http://www.wheresthenote.com

Wall Street has bought and sold our mortgages so many times, they've lost track of who owns what. And now they're getting caught red handed. In one state, two banks tried to foreclose on the same home. In another state, BofA tried to take a house away from a man who'd never even had a mortgage. The more we learn, the worse it gets.

It's time to pull the curtain all the way back. Demand to see YOUR mortgage note: http://www.wheresthenote.com

Banks are calling these "technical glitches." These are more than technical glitches. These are monumental screw-ups that are forcing families out of their homes. The banks raise our rates and change our terms - and if we make one mistake, we pay with our homes.

Now it's our turn to demand accountability from them. Visit http://www.wheresthenote.com and demand to see your mortgage note.

Thanks,
Stephen Lerner
SEIU.org

PS - Don't have a mortgage? Pass this on to someone who does. Every single homeowner needs to know if their bank still holds their mortgage note.

SERVICE EMPLOYEES INTERNATIONAL UNION
 Here now is my recommended version of this letter.  Pass this on to anyone and everyone you know.  The more email letters all the banks receive, the more they will begin to get the idea that we "do not trust" them and we will no longer allow them to operate with special exceptions to the law.  As I always have said and maintain, "THE LAW IS THE LAW FOR EVERYONE".

To whom it may concern:

I own the property at the address listed above, and your bank services my mortgage. 

Over the last several weeks there have been many stories documenting the problem that banks are foreclosing on homes without proof that they own the loan.  I have learned that in many cases, banks like yours do not even know who owns the loans you service.  Employees at several leading banks have admitted to rubber stamping tens of thousands of foreclosures every month, without even checking to make sure that the bank had a legal right to proceed with foreclosure.  In some cases, banks allegedly falsified mortgage documents to cover up their mistakes.  There have been reports of two banks trying to foreclose on the same home, banks foreclosing on homeowners who were current on their payments, and even of a bank foreclosing on a home where the homeowner had never taken out a mortgage to begin with.  This is not merely a "technical problem"--it is the difference between having a warm bed at night and being out on the street.

As a homeowner and a customer of your bank, I am horrified.  I had always believed that it I played by the rules, I would be protected, but now I know that banks like yours think the rules don't apply to them. 

To protect myself and my family, I need to know who owns my mortgage.  Within thirty days, I would like to know the name, address, and phone number of the bank or investor that owns my mortgage.  Furthermore, in light of the recent allegations of foreclosure fraud, I demand to see the original mortgage note proving ownership over my home loan.  I would like to see copies of all endorsements and assignments of my mortgage note and where and when the assingment(s) _if any - were recorded.  I also ask that you provide me with evidence of your firm being contractually retained to service my loan. (italics indicate added by LR)

If you fail to produce a mortgage note proving that you have a right to collect my mortgage payments, provide the information I am legally entitled to,  I will be forced to consider all options available to me to ensure that my family and my home are protected.
(italics indicate added by LR)

I ask that I receive my response in writing.

Thank you for your attention to this matter.
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October 8, 2010

Bank Fraud Editon: Fraud, Fraud and More Fraud

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Half million dollar house in Salinas, 
Californ...Bank of America announces it will halt all foreclosures and foreclosure sales beginning Saturday, October 9, 2010, in all 50 states  This is big.  (See story in The Huffington Post)
Bank of America announces it will halt all foreclosures and foreclosure sales beginning Saturday, October 9, 2010, in all 50 states  This is big.  (See story in The Huffington Post)

Just the other day they announced that they were halting their actions just in the 23 states where they must go to court in order to complete a foreclosure.  These states are referred to as judicial foreclosure states.  The other states, referred to as non judicial foreclosure states do not require that the lenders or banks go to court to foreclose.  They simply place a notice of sale on the door of the home indicating that the home will be sold at auction on a certain date.

Read More...click here
Editor's Note:  This article first appeared in GoldmanSachs666.com

October 7, 2010

The People vs The Banks

1 COMMENTS
Disclaimer
The bank which is the topic of this post and following video clip was not identified.  By posting this article in this blog and presenting the video clip from Dylan Ratiga we are in no way implying that the bank referenced is JPMorgan.  


Most of us use them (banks) everyday.  They are on every street corner.  We voluntarily give them all of our money every pay day.  We use them to store our money.  We trust them.  ???
I don't think so.  If ever there was an enemy of the people out there it is the bank.  They have been given favorite status by our lawmakers and enforcers and were allowed to steal from us in the open.  Now they continue their illegal criminal activities against us.
Here is just one more example of how blatant and bold the banks are and how they have a total disregard for the law and the people in this country.  This video clip comes to us courtesy of Mathew Weidner, Esq.  It is a clip from MSNBC's Dylan Ratigan Show.  Mat - who appear on this clip will also appear on Dylan's show today at 4:00 PM.  We will post that clip as soon as it is available.

October 6, 2010

It Begins...Ohio Files Suit:: As Posted in GoldmanSachs666.com

0 COMMENTS
This Open Door Into Fraud Could Lead All Way Up The Ladder.
  
Even Goldman Sachs may not be immune from further investigations of fraud.  Goldman still owns mortgage companies but their real problem will come when fraud investigations into the securitization process and Credit Default Swaps begin as a result.  Isn't that how things usually happen.  One small item leads to much bigger ones.  The lid of Pandora's Box is officially open.
Thank you Sean for sending this link.  Here now the story from the Huff Post:
Ohio Attorney General Sues Ally Financial Over Alleged Foreclosure Fraud, First In A Possible Wave Of Lawsuits
WASHINGTON — Ohio's attorney general is suing Ally Financial Inc. and its GMAC Mortgage division, alleging the company violated state fraud laws in handling foreclosure cases.
The action could be the first in a wave of lawsuits by state regulators over what appear to be widespread problems in documents used by the nation's largest mortgage lenders.
Attorney General Richard Cordray said Wednesday the alleged fraud could involve hundreds of foreclosures in the state. The lawsuit claims the company's employees signed and filed false affidavits to mislead courts. Cordray called the alleged fraud the "tip of an iceberg of industrywide abuse of the foreclosure process."
A message left at Ally was not immediately returned.
Read the Rest...click here 
The truth is finally coming out and our government and legal structure can no longer sweep this under the rug. Action will be taken and will have to be taken. Look for many of our Too Big To Fail friends to begin to fail. I don't believe there will be any more bailouts. Understand that Ally Financial 0 once GMAC - is still living and working under the bailout we gave them. How dare they use our money to commit more fraud.
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