MFS | Mortgage Fraud Syndrome – A New Disease Brought on by the United States Government

“Mortgage Fraud Syndrome (MFS) is a new disease that is spreading in epidemic proportions across the United States of America.It develops as a result of a terribly frightening, life-threatening, or otherwise highly unsafe experience that you never expected or predicted would happen to you. Mortgage Fraud Syndrome has many symptoms and you may find that on certain days you suffer from all or just a few.”

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MFS is similar in many ways to Post Traumatic Stress Disorder. The Victims of Mortgage Fraud Syndrome tend to avoid places, people, or other things that remind them of the event (avoidance), and are exquisitely sensitive to normal life experiences (hyperarousal). I can only speak for myself and others I have talked to but here are the symptoms.

Major Trust Issues

Lethargy  Major Depression  Severe Depression

Suicidal Thoughts  Homicidal Thoughts

Grief  Anger

Rage  Fear

Fear of Going to the Mail Box or Outside or Interacting with other human beings

High Blood Pressure and Generalized Anxiety Disorder

Paranoia  Frustration Panic Attacks

Fear, Shame & Guilt

Headaches  Tension  & Migraines

Insomnia &  Sleep Deprivation

Loss of Appetite

Excessive Use of Alcohol

Excessive Use of Drugs

Smoking

A Bit of  History of MFS – Mortgage Fraud Syndrome – A New Disease Brought on by the United States Government with no known cure

Mortgage Fraud began many years ago I don’t really know the exact date. I am sure that at some point this economic recession we are in that date or period will be established probably back as far as 2000.  The frenzy and demand and money that could be made buying homes and fixing them with a band aid and then flipping them and making more money and looking for more projects to do the same made it easy for people to never have enough. Greed is good some think. Most do not care for anyone other than themselves and right now the worst comes out in people.

The loan programs and the sub-prime loans that were created gave every American the ability to buy a home but if you lived in Los  Angeles from 1987 to 2007 homes went up 300 percent – do you know anyone that had a salary and or raise that went up 300%? Maybe one of our trusted servants or someone in government – but other than that I know of no one.

Mortgage Fraud Syndrome started many years ago almost like I would imagine a staph infection starts – or a new  a disease that has a few cells that are infected and began to multiply and multiply and no one is paying attention because by the time the disease is discovered it is too late. It has passed the point of no return. It has infected so many – and crossed state lines and it is the big elephant sitting in the middle of the home – no on believes it began so many years ago I blame the Democratic Party and I was a democrat but our society is fraught with fraud in every industry – not just in the mortgage industry – what about the medical insurance companies or doctors that bill for services that have not been rendered. I have had over 250 medical clams since July of 2010 and believe me there are bills from doctors that I do not know even know who they are. Or there are bills that are for equipment that I never received. And then we have doctors who put in claims for so much money – they knew what they were getting in to and they bill the insurance company 5 times trying to get money.

What has happened to the world that I loved. Where have the honest gone? How do you know who to trust. Eventually you become like me – you trust no one. You isolate. You are sick in pain and wondering if you will have a home to have your 4th surgery in. How wonderful Now that I need social security I have to fight to get it. The building where I live denied my request for a payment plan although I was on the board for 18 months and I am disabled – physically mentally and emotionally. I had MRSA. MRSA kills people. I hope it does not come back.  And believe me there are nights like tonight where I wish it would just kill me. My spirit has been killed – my hope has been killed and the one that should be sitting front of front of the Congress is B of A – there is no more Washington Mutual am I the only human that notices that. Bank of America should be there – they should be held accountable.

You can check out the rest here…

Actually, check out this persons entire site. Especially “How I Got MFS.” It is quite interesting…

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4closureFraud.org

Comments
84 Responses to “MFS | Mortgage Fraud Syndrome – A New Disease Brought on by the United States Government”
  1. Jim Bethea says:

    I hear these stories all of the time and they fuel my tenancity to help people fight [by using the real laws] to “turn-the-worm” on this fraudulent banking system. I have many, many ongoing cases from CA to FL and loaded with local ones that will prevail over these crooks and their “bottom-feeding” attorneys.

    Several judges and state prosecutors have resigned their positions to go to work for some of the largest foreclosure law firms in the US…..one was Fed court judge in Florida [ 2 weeks ago]……rotten apples keep falling from rotten trees…….

  2. Mad as hell in Maryland says:

    If you are in forclosure, fight. Get an attorney, one who understands what is actually going on. Bankruptcy court seems to be the one place that consistently will follow the letter of the law. (When the ‘supposed’ lender says they own the note, or are acting on behalf of a trust who supposedly owns the note. They will have to PROVE it.)
    For it is better for you, the person on title, to retain the property (without further payment), than for the ‘pretender lender’ to obtain it when they did not follow the simple rules to be able to enforce in the first place.

    Challenge everything. They may not have it!

    Good luck to all. Fight the good fight!

  3. AliceN.Wunderland says:

    John Doe, yes, I think I get it. Banks sell their servicing to others all the time. I know this happens and that the original terms don’t change. I think the issue being discussed on this site is really ownership of the debt. As in, who is actually the lender and has the right to foreclose. At closing a Note has to be signed and that proves the debt exists and is owed to the ‘lender’. The servicer is not the ‘lender’. The ‘lender’ was someone on wall street. The servicer has no right to foreclose and the miscarriage of justice has been that the servicer has somehow convinced the court that they are the Note holder/’lender’ when in fact they are not. The Note holder is the only party that can foreclose and that is the problem… your company, the servicer, lost the Note and no one knows where it is Your company, the servicer, was supposed to transfer the Note to the ‘lender ‘ after the closing but they didn’t so now the ‘ lender’ on wall street doesn’t have any proof they own any of the loans they thought they did. The ‘lenders’ are now suing the servicers for not transferring the Notes. This is what the big problem is, the people on wall street wanted to invest in mortgage loans and wanted the loans that would make them alot of money like ARMS so the servicers just started making loans to everyone they could and didn’t care anymore about whether people qualified or not. This is what a predatory loan is, making a loan that really just benefits the ‘lender’ on wall street. The servicers deliberately did this and alot of people in the mortgage industry are speaking out about it now. I am glad you didn’t do any of those loans.

  4. Fury says:

    another symptom of MFS is typing a post (including typos) and it disappears into the Twilight Zone.
    i watched”Inside Job” for free on the internet.
    i thought— what is the equivalent for the defrauded homeowner?
    the smarmy wall street guy is throwing his cash around paying for blow and hookers.

    i just want to feed my family and our pets.
    i want to pay for electricity and not be threatened w/ turn off.
    i don’t want to worry about paying for toilet paper.

    that is what the banks just don’t get.
    you think that we are going to roll over?
    fat chance!

    they owe us.

    i loved reading the account from the poster whose mom was in the wisconsin protest.
    100,000 strong not the paltry 5,000.

    america is angry.

    the banks better fork over the ill-gotten gains.
    they have it.
    we know they have it.
    they made a fortune on our backs.

    they swindled us.

  5. Emma says:

    I too feel the symptoms. Every day I check certain sites, waiting for bad news. I dread the phone and mail boxes as well. There I days where I wish something would happen to end the fear and the pain. I finally have had to hire a lawyer. I can’t really afford him but have no choice. Once I received a document showing a cut and paste endorsement I knew that i could not just trust the court system to stop their illegal activities. The house that I fell in love with no longer feels welcome. It was my sanctuary after my divorce…..no longer.

    I feel very isolated as well. This is comparable to a STD…..not something that you can freely share with others. Nor is it something that you want to share. I wish I had a crystal ball so that i could see how it was all going to end…..

  6. Stupendous Man - Defender of Liberty - Foe of Tyranny says:

    There is a sub-category of PTSD, known as “legal abuse syndrome,” that has been developed and researched by Karen Huffer. This is an ADA accepted “personal injury.”

    A link to the Huffer site:

    http://www.batteredmotherscustodyconference.org/lvaallc/

  7. Peggy Johnson says:

    If you check the FBI Mortgage Fraud Disclaimer when you purchase a home (required documentation w/ mortgage transactions created some years after 2000), you will notice that prosecution for any violations of Title 18 OF THE US CODE, are directed toward the consumer and NOT THE DAM BANKS – THE ONES WHO BROKE THE LAW. SO GET IT THROUGH YOUR HEAD – THE LAWS “DON’T WORK FOR PEOPLE LIKE YOU” as one NC lawyer told me years ago. – BUT It’S NICE TO KEEP TRYING. AND WHY JUST PICK ON BOFA – WHY NO ONE IS TALKING ABOUT CHASE BANK. I WROTE TO THE CHASE BANK CEO ABOUT THE FRAUD PROBLEM THAT INVOLVES MY ‘LOAN” FOR YEARS – YOU THINK HE GIVES A DAM — THE LAW IS PROTECTING THE BASTARD AND HE ALSO IS SITTING ON A TON OF BAD LOANS, BUT HE DOES NOT GIVE A DAM BECA– USE AS YOU SAW IN THE SO-CALLED SETTLEMENT, THE BANKS ARE BEING PAID REGARDLESS OF WHETHER THE LOANS ARE BAD OR NOT. I AM WAY PAST THE SELF-PITY BULL – I AM GOING TO KICK THE BANK’S ASS BY CONTINUING TO WASH THEIR FACES AND THE SORRY US GOVERNMENT WITH THEIR OWN HORSE SHIT AS LONG AS IT TAKES TO GET THIS PROBLEM FIXED – ARE YOU WITH ME? THANK YOU!

    • BANKS DO NOT HAVE LAWS….AND BANKS DO NOT FOLLOW LAWS….THEY ALSO MAKE THEIR OWN RULES….EVERYTHING IS DONE IN THEIR FAVOR…LEGAL OR ILLEGAL…DON’T MATTER…THEIR LIES ARE THE TRUTH TO THEM….And BofA has problems but the bank that concerns my daughter……JP MORGAN CHASE…..dirty rotten bastards….nothing but the left over NAZI shit that came to our country. I saw a picture on the internet of ‘ DEMON ‘ up close…and I swear I saw his nose growing longer. WaMu was a complete fraud…but Chase planned WAMU to fail…FDIC went along with the seize….with Chase riding on the hip of the FDIC. It was obvious…the real controller of the banks, the federal reserve is also controlled by the ‘ secret society ‘ hidden behind the curtain. This goes alot deeper than what the eye see’s and the ear’s hear…..WAMU never funded any mortgages…they never owned them….that is the original fraud…They were pretender lenders just to put their bank on the Promissory Note and Mortgage. This hidden from the borrower. FRAUD…..Chase took over being the servicer…but has not proven standing…In fact they have not proven anything….Now if your mortgage was just with Chase…that may be different… Either way…Chase is rotten to the core…….and if I am not mistaken…..’ Jamie Demon ‘ is on the Board of the Federal Reserve….how cozy is that???? But you have to go further than the banks, the Federal Reserve and the government to understand why you are not getting any responce from anyone…cause the hidden secret is for all to fail……understand??? Don’t you notice Obama, CONgress, Dept. of Justice..no one has uttered a word to the citizens about what has happened in this country with this foreclosure fraud…or even told the truth about anything that has happened in the last 10 years or so….?? All is their ‘ secret ‘.

    • Bobbi Swann says:

      I am with you but the disclaimer you spoke about is fraud against YOU. These banks are committing fraud against the COURTS and that is something to hang your hat on. My only hope is that the judges and the whole judicial system do turn about fair play and turn on the banks. Right now with MERS involved in 80% of the mortgage transactions it’s finally hitting home that the counties have been losing money on these transactions; let ‘s just hope it moves further up the ladder.

  8. Fury says:

    there is a cure for Mortgage Fraud Syndrome…

    the banks and their henchmen (f/c mill lawyers , servicers, sewer service rats, robo-signers, the false doc factories, and REO crooks) pay treble damages or more to the homeowners they have swindled.

    it is not a Xanax that we need, it is our money that was stolen from us.

    Pay the money back. or we will pursue you like the “Hound of the Baskervilles.”

  9. lizinsarasota says:

    You know, I’ve started to feel better. The nadir was about 14 months ago and I thought I was losing my mind. Then last August I had an epiphany. After a 77-minute phone conversation with a Chase rep in which she said she was emailing Shapiro & Fishman “as we speak” – I could hear her keyboard clacking – and telling them to cancel the foreclosure sale – and she DIDN’T – well, I went to the law library and spent a couple days reading Wite/Bender’s Florida Causes of Action, and then, then my friends – I sued Chase. Yup, I did it entirely by myself. And that’s when I started to feel better.
    Then, three weeks ago, I started to feel even better. I planted a garden in the back yard. I found some 2×6 pieces a neighbor was discarding, took out the rusty nails, bought a couple cherry-type tomato plants from an organic grower, and planted them. Then I started some zucchini, yellow squash, cucumber, and bean plants inside, waited until they’d sprouted, and planted them. Now my tomato plants are up to my shoulders and I one plant has two tomatoes that are getting red. I’ve lost track of which plants are zucchini/squash/cukes, but they are all about to flower. The beans are really making progress. Every morning I go outside in MY YARD and things are growing. Plants are taking root. Things are flowering.
    And I feel better.
    My book tour is going well. I’m making a little money. I’m interviewing an attorney on Friday and, if he’s at all decent, I’m going to hire him. If not, you know something, I think I’ll be OK. The wind has shifted. The conversation has changed. Everyone – me, WAMU/Chase, Shapiro & Fishman, the new legal stooges – we all know there’s robosigning in my case. We all know there’s been judicial misconduct. We all know there’s been some really shitty behavior on the part of the bank, S&F, and LPS and frankly, I’d like a jury to take a look at it. And finally, after all this time, I think we all know how it’s all going to work itself out.
    Plant a garden. Sue the bastards. Feel better.

    • tired of being tired says:

      Well Liz what was the outcome ?

    • tired of being tired says:

      I mean give us the steps you used or are you here to promote your book ?

      • lizinsarasota says:

        Oh, can’t you tell? I wrote that whole comment & have been fighting Chase for five years simply so I could get on this blog and promote my book. Notice how I made it so easy for you all – who I know are simply chock full of extra cash to buy books, just like me! – to buy my book and provided links to reviews of my book and links to my website. Sure thing: http://www.4closurefraud.org is a dandy place to promote a book – just a regular NY Times Book Review – all the best authors plug their books here.
        That was a pretty nasty little dig. Yeah, I’m promoting my book, all right. Sweetie, if I’d been “promoting” my book here, believe me, you’d know it. If I was promoting my book, don’t you think I’d have at least included the title?
        Geez.
        My point was that we’ve all got to try for some balance, to find things that – to use a trite phrase – “give us joy.” Writing the book and talking to people about it gives me joy. Fighting Chase, not so much.
        And I told you the “steps” I used. Wite/Bender Florida Causes of Action. Duh.
        “Outcome”? Outcome of what? Oh, you think there’s been a resolution in a case filed 8 months ago? Ha – this is going to take a little longer than eight months, but I’ll be sure and let you know.

        Get some sleep.

    • Stupendous Man - Defender of Liberty - Foe of Tyranny says:

      That’s the way Liz. Growth oriented self care. I got my garden going in the past couple of weeks. Still just cold crops in my area but I’ll be making the seasonal additions in time.

      It can be very tough maintaining balance in our lives when we are beset upon by these goons. But if we don’t it is a kind of slow death. I’ve struggled with maintaining balance throughout the 3.5 year pendency of my travails.

      Fortunately I just obtained a victory in my appeal. That has helped tremendously, but it is also clear there are several years remaining before I will be done with litigation.

    • Catherine Mc Manus says:

      Yes, I have planted a garden too.
      2 yrs. of watching & waiting for some stranger come to my home and change the locks while I’m at the Doctor or grocery shopping.
      2 yrs. of thinking I was an idiot and it is all my fault-NOT ANYMORE-}
      2 yrs. paying what the bank would not accept to a personal Mortgage Trust Account to prove I’m not a deadbeat-(the only positive thing I can think of-saving the money & my pride).
      Oh one more positive-becoming more informed-2 yrs. of Financial Research-
      2 yrs of writing, emailing, calling every agency you can think of-HOPE HAMP- Senators-Ag’s, the SEC
      blab blab blab
      I have experienced many of the above named symptoms and MORE….
      Paranoia-Insecurity-Lack of Self Confidence-NO Trust in anyone-NO-ONE
      Yes, I have seen strangers drive by & take photos of my home many times.
      The only light in this tunnel is 4closurefraud.org
      Just wish I could see the end of this tunnel SOON !
      meanwhile I will keep the faith & pray, pray, pray this does not cause more serious health problems.

    • Bobbi Swann says:

      Thanks for the info!!!!! My foreclosure with Chase was dismissed without predjudice and they have already informed me that they intend to refile. Like you, the whole robo-signing and the judicial misconduct and I fought this pro se. You have saved me a great deal of time in the law library!

    • john doe says:

      After reading some of these statements I’ve realized that you guys are so funny. My little piece of advise to you all would be to go out and work for a mortgage lender for a few years & really learn how things work; see how foreclosures come about. Now don’t get me wrong I’m not taking anyones side (the banks or the homeowners) but I can say that I have worked for a mortgage company for five years in a number of different roles and it is EXTREMELY difficult to blame the bank if you got foreclosed on. It starts in the beginning; the notion that a bank gave you a “bad loan” is rediculous! No one forced you to sign the loan docs…you took out the loan on your own free will. So if you’re going to sign a 30 year $200,000 promissory note I would suggest that you fully read & undersand the contract. And don’t let the bank tell you what you can afford!! FYI-when you get approved for a mortgage loan based on your income (and your debt to income ratio) they are only looking at your gross income and the debts that appear on your credit. Only you know if you can really afford the mortgage payment once you’ve paid your light bill, daycare, etc. Also, foreclosure doesn’t just sneak up on you. You’ve got to be late by 4 months before the “foreclosure process” can even start. And yes, foreclosure is a PROCESS and its different in every state. Some states can take two months and some can take 12 or more. But the fact of the matter is that if you were foreclosed on then you probably missed at least 6 payments or more. And you can’t say that you were not aware that you were late because the collections departments will call you every single day. Not to mention you will typically get letters sent to your house once a foreclosure date has been set.

      Some people have general hardships that cause them to miss payments & fall behind on their mortgage payment. But to say that the mortgage company falsely foreclosed on you because they were “going to give you a modification” is insane as well. People have to understand that a modification or any type of assistance is not guaranteed and the bank will only do it if it makes sense. Some individuals just are not able to come to terms that they simply can not afford their home any longer. But its not the banks fault because you lost your job.

      Now I will say that I have seen a few instances where the f/c sale was not supposed to happen and that sale can be “rescinded”. But those are pretty few & far between.

      • Bobbi Swann says:

        @ John Doe – sorry Mr. Deer – you are absolutely ALL WET! I’ve been a mortgage broker for over 30 years. You are only looking at the surface of the system and not how the “legal” side of it has to match what was signed and delivered. The problem surfaces when 1) you are not delinquent but the bank tells you to become delinquent so that they can help you lower your payments; 2) when the proper documents are not aligned with court records in proper chain of title; 3) when payments have been made and proof provided but no accounting of payments showing on the lender’s books. Lenders have violated RESPA and TILA over and over again throughout the time of the crisis. You state that you have been in the business in various roles for 5 years which means you came into the business at the very bottom of the market. You would have no idea what WAMU, Countrywide, Meritage, Encore, Bank United, Taylor Bean & Whittaker just to name a few was peddling down the path of greed! I value my career and stayed away from those programs but in the long run my lender turned out to be one that was not even licensed to do business in Florida – just a little mishap on their part to file the proper papers for doing business. So there is more to the face of this crisis other than just what’s signed at the closing table. Hopefully you have already taken your state and NMLS testing and passed……but then again that does not make you educated and 5 years in this business now, in my opinion, you are still green.

      • Readdocs says:

        I would say Mr.John Doe is not a mortgage broker, just another moby.
        The fact is there are several modification programs offered by the federal government, and
        the banks are now stipulated to use them.
        The fact is there are predatory loans still being given out, so that more people can be set up
        to fail financially enriching those who have insured these schemes to fail.
        I’d say Mr.John Doe needs to apologize for his deceptions and move on.

      • john doe says:

        @ Bobbi Swann

        Sorry but I don’t believe you have to be in the mortgage industry for 20 or 30 years to know what you are talking about. I’ve never claimed to be an expert but the 5 years that I’ve spent in the mortgage industry between the financing side providing loans as a loan officer & the servicing side (where I spent most of that time) working in the collections & loss mitigation aspect. Whether or not the loan officer or broker did not disclose something in the TIL or RESPA that still means that the potential buyer did not read the paperwork they are signing. And I don’t believe anyone had a gun put to their head and was forced to sign any loan. And we won’t even get into all of the “no doc” loans that wer done where the buyer lied about their income just to get qualified…then tries to turn around 3 years later and claim “bad loan” or “predatory lending”.

        Then you say this…”you are not delinquent but the bank tells you to become delinquent so that they can help you lower your payments;” It rarely happens (not impossible but rarely the occasion) that your payment history is not correct. You know whether or not you made the correct payment on time each and every month & if you did & were smart then you would be able to prove it and dispute the history and get things changed.

        So I say again…I’m not taking either side. I’m also a homeowner so I feel for homeowners who have been foreclosed on. But at the same time…I’ve heard every excuse from borrowers/home owners who claim its the banks fault that they are behind or got foreclosed on and I can count the number of times I heard a good/valid excuse.

        You say you’re a morgage broker…?? Spend some time working the collectins end of things and maybe you’ll see what I’m talking about. I’ve read alot of comments on this page and only seen people complain about mortgage fraud & how the banks are at fault. Not once did I see a comment that explained how they actually fell behind and got into a foreclosure situation. Why because people are not wanting to admit something in their personal life caused the problem (loss of job, etc) and that is why they couldn’t make the payment. Its fairly simple…make your payment and you won’t be in that situation. But…if you can’t make your payment…don’t blame the bank!!

      • john doe says:

        @ Readdocs

        Do you even really know what “predatory lending” means?? I do seeing as how I was a loan officer and had to learn all about those terms etc. And what most people TRY to consider as predatory lending is really just a case of not educating yourself or reading the documents you’re signing. One of the very few things I would truly consider to be a form of predatory lending would be to place an elderly person on fixed income into an ARM loan that will increase every year. But to say that you were a victim of predatory lending because your interest rate was high or you’re payment wasn’t the same at the closing table as it was when you talked to the loan officer is insane. Seeing as how your interest rate is a DIRECT reflection of your credit worthiness and again I say that no one put a gun to your head and made you sign any loan documents…I’m not a big believer in “predator lending.”

      • AliceN.Wunderland says:

        Mr.Doe, what jobs did you have at the mortgage broker you worked for. You state you had several roles I really hestitate to even answer your post but I know that new people come here every day and I would like them to know that someone with five years experience in the industry talking about debt to income ratios is not really aware of the issues that are being talked about on this site.

      • AliceN.Wunderland says:

        John Doe, it appears we were posting at the same time and my questions have been answered. You were a loan officer that got paid on commission no doubt but why would you go into the collection department when the money was so good in the field?

      • Readdocs says:

        Mr.John Doe, It really doesn’t matter what you post as you cannot prove it.
        Plus the dirt is in the details. Especially when mortgage payments are diverted
        by the lender to a different bank account to cause a foreclosure to happen.
        Right now no one is in jail, although there’s no guarantee there wont be in the future.
        So posting snideness doesn’t help your case, moby.

      • john doe says:

        @ AliceN.Wunderland

        I don’t work for a broker…I work for a morgage lender (much like a BOA except we are not also a bank…we are only in the business of home mortgage loans). And I spent some time as a loan officer (not alot but enough to understand how the process of taking out a loan goes). And most of my time was spent going through different levels of collections, then loss mitigation, then selling short sale properties, and working on the REO side. Again…I don’t believe you have to have 10 plus years in the mortgage industry to understand a few things (and debt to income ratio is NOT a difficult thing to understand).

        I reiterate again…the only statement I’m making is that a lot of people are so quick to say that they were “done wrong by the mortgage company” when in actuality…maybe you just lost your job (or had some other financial hardship) that caused you to be in the situation you’re in. I’m speaking from the experience of deaing with THOUSANDS of homeowners all over the united states. The thing with many of the “local” real estate people who are making comments only really know the pulse of their own community or state. But my company originates & services loans in all 50 states…so I’ve known what’s going on all over the place.

      • john doe says:

        @ AliceN.Wunderland says

        Actually I was paid a base salary (I actually hate 100% commission jobs & would never do that) and only got commissions for certain incentives of closed loans (like hitting certain numbers, etc). And when the subprime market went down my company downsized some of their loan officers. And I knew how that worked…last one hired–first one fired…so I requested a transfer to the servicing side which was actually having a big surge in hiring at the time.

      • Maria says:

        Yes, we read ALL papers we got! They are: Mortgage & Note. Just it Can you, please, LIST for us, stupid, ALL DOCUMENTS Banks MUST originate when we take a Loan??? I had closing in the Lawyer Office, I trusted all of them…. But when I moved in, I discovered that my house piece of junk with no working applainces and house even NOT CONNECTED TO CITY SEWER. No hot water, no A/C, no nothing! When you travel by plane, do you know how to fly? Probably, not! You just trust that pilot knows his job and will deliver you savely. Why should I know how Banks operate? And they are using our ignorance and cheat us as they please. Should I know where my monthly payments go? But my money went to private pockets of employees of Bank of America. I just GOOGLEd this address and there is no BOA office exists. When I requested my Payment History, they send me it for last two years but first three years just disappeared for good! Who a hell responsible to keep correct and accurate records of our loans, accounts and so on? Banks are NASTY, NASTY, NASTY institutions with greedy, dishonest employees! I can afford to pay a loan, but I stopped when BOA did not fix any problems they cause me. I am TWO YEARS in the F/C proceeding, I filed Counterclaim & Third-Party Claim because Wells Fargo (non-Plaintiff) filed the Case & I was not served properly. Thanks to this web-site, I know now a lot of things and will defense myself properly. As you can see, even deeply corrupted judges can nothing to do with me…because I know my rights and, thanks God, we live not somewhere in Haiti….

      • AliceN.Wunderland says:

        John Doe, thank you for your respone. I would assume you understand all the legal documents required to prove interest by your company in order to foreclose. The company you worked for, even though it was nationwide, really had no interest in any of the loans it pretended to have interest in. The money for those loans did not come from your company at all and that claim by your company is therefore false. The documents that were signed at closing between the lender and your company were fraudulent. I would blame the company, the professional, not the homeowner (who relied on the knowledge of the mortgage professional) for the failure of the validity of the loan.

      • john doe says:

        @ Readdocs

        this is what you say:
        Mr.John Doe, It really doesn’t matter what you post as you cannot prove it.
        Plus the dirt is in the details. Especially when mortgage payments are diverted
        by the lender to a different bank account to cause a foreclosure to happen.
        Right now no one is in jail, although there’s no guarantee there wont be in the future.
        So posting snideness doesn’t help your case, moby.

        First off….I don’t need to prove anything…but ask yourself why in the hell would I lie to a bunch of people I don’t know?? Then ask yourself this…if you write a check for your mortgage payment then two days later realize that the check has been cashed (by your mortgage company)….then does it really matter what bank account the company puts the money into after that???? You made your payment and you have proof….

      • john doe says:

        @AliceN.Wunderland

        this is what you said:
        John Doe, thank you for your respone. I would assume you understand all the legal documents required to prove interest by your company in order to foreclose. The company you worked for, even though it was nationwide, really had no interest in any of the loans it pretended to have interest in. The money for those loans did not come from your company at all and that claim by your company is therefore false. The documents that were signed at closing between the lender and your company were fraudulent. I would blame the company, the professional, not the homeowner (who relied on the knowledge of the mortgage professional) for the failure of the validity of the loan.

        Actually I never worked in my companies foreclosure department so I can’t say that I fully understand everything that happens on that side of it. Only what I have learned from working in loss mitigation (before foreclosure) and REO (after foreclosure). But what I can say is that mortgage loans are bought and sold between servicers all the time. Transfering of servicing has no effect on your original loan terms. The loan still has the same terms (rate, # years, balance, etc) as it did when you took out that loan. And quite honeslty the banks don’t have to have you’re approval to sell off you’re loan to another servicer (it usually even says that in your loan docs that your loan could be sold to another servicer). It happens all the time and the main reason is because some banks/lenders choose not to carry the risk of keeping a loan that might not “perform” (which means the loan will default). So they sell that loan to another servicer…make a profit that way…and chose note to take a chance on whether or not they will get paid off the interest, fees, etc that they would have possibly gotten had they kept the loan they originated. Make sense?

      • Readdocs says:

        John Doe, lying is the path of least resistance, that’s why being moby seems to be so easy.
        As I posted, the dirt is in the details, which seems to have gone right over your head.
        The origination of many loans are now known through the court systems to have been fraudulent
        from the day the forms were printed out. It’s listed over and over the persons/entities that are
        involved in what is being named the biggest fraud ever perpetuated on a people. Going from the
        contractual mortgage brokers to the servicers with inbetween the title companies, insurance companies,
        real estate brokers, appraisers, and all the other accoutrements involved.
        And there are court cases where banks have foreclosed and sold home/properties that were not theirs.
        There are cases of banks foreclosing on homes that were never associated with the foreclosing bank
        in any fashion or form. And there are cases where home owners were foreclosed on because their
        mortgage payments were not going to the correct entity, and the true note holder comes forward
        demanding payment at no fault of the mortgage payer.
        So posting as though the banks and mortgage companies are pure and innocent does not buy one whit
        of belief or respect. Not when there is already 60 million suspect clouded titles to be investigated and
        more appearing. So don’t act as thought this site is just a distraction for bummed out ex home owners.

      • Maria says:

        John doy, you wrote, “And quite honestly the bank don’t have to have your approval to SELL OFF YOUR LOAN to another servicer….they ….make a profit…. Make sence?” NOT AT ALL, SIR! I signed Note and Mortgage and these instruments BELONG TO ME! I do not give my approval to sell it. And if MY NOTE sold, therefore, the PROFIT IS MINE, not bank’s! In reality, my loan was sold THREE TIMES (I have three “assignments, allonges and endorsements”. All of them PROVED TO BE FALSE! My Loan still in the BOA profile and NEVER was transferred to any ‘another servicer’. Make sence????!!!!!

      • john doe says:

        @Readdocs

        ok….so please tell me why you are so mad at the banks & mortgage companies? are you going through foreclosure proceedings? or was your home foreclosed on? If so….why? what was the cause? did you make your payments?

      • john doe says:

        @ Maria

        Actually the note does not belong to you because you are still PAYING for that loan that got you the property. That is exactly why if you don’t pay your mortgage your home will be taken away from you. The bank owns the servicing rights and are free to sell the loan to another servicer any time they choose. This is how it works: I give you a loan to buy a house. I charge interest on that loan so that there is a benefit for me as the lender (cost of doing business). Nobody is going to give you $200,000 and only get back an exact $200,000 spread over 30 years. No…before its all said and done (if you pay out the entire term) you will have paid me closer to $300,000 probably. But you got your house & I got my money. Now…I may decide….”you know what…I don’t think you’re gonna pay me back my $300,000″; so what I may do is sell your loan to someone else and get my money back up front rather then wait 20 years down the line to realize I’m not going to get back what I expected to. Now…the person I sold your loan to has to deal with the risk of whether or not they are going to get the profit they are expecting to get. Happens with all types of loans, credit card debt, etc. And you have no control over it…period.

      • Readdocs says:

        Mr.John Doe,
        Projecting now? Manipulation to change the direction of this thread? There is no there there. No anger
        and no mortgage. Let’s keep this on subject shall we?
        I have been doing research on this subject for a couple of years now, and it’s amazing how you sideline
        some of the most important parts of the mortgage fraud…involving the origination of the blank forms printed out for the next subprime loan target. All the way to the bundled, pooled, and securitized mortgages that are being discovered not transferred to the trusts in a timely manner. In some cases not transferred at all. Which means all along the transfer of the original wet ink documents there has been breaks in the chain of title history. This is being discovered as more of the trusts are being opened up and found either inactive, investor propagation under the 300 investor limit, no longer exist, or just plain old empty. The short cuts that the custodians have been making has left out important filings and transfers that can cause these trusts to lose their tax exemptions and find the whole kit and kaboodle seized by the IRS. Which means a failure of standing in court no matter who holds the notes.
        This is not due to dead beat borrowers, this is due to the incompetence, and sloppiness in due diligence.
        In other words, doing the job correctly and professionally. If you stand on the premise of legal foreclosure, then you should also stand on the premise of no foreclosure when the custodians do not
        do their job correctly, causing the servicer or custodian to pay the penalty of losing standing due to
        causing property titles to be broken, in some cases to the point they can never be fixed because the
        original wet ink documents were not transferred, or were not recorded within the time limit, or in many
        cases documents were destroyed usually through shredding.
        Now if you are a mortgage broker, you know all of this, as it’s been standard procedure more and more
        commonly since the establishment of MERS.
        It is the responsibility of the servicer in representation of the lender to do the utmost in guaranteeing
        the borrower is guaranteed a clear and whole title when the mortgage has been satisfied. There are now
        some 60 million mortgages that are suspect due to the fact in being registered through MERS that many of the stipulated steps and procedures to attain this guarantee have not been completed or in many cases even done. In a court of law, possession of all parts of the original documents must be proven,
        and all steps and procedures have been completed as directed through contractual agreement. If this has not been done, then the mortgagers side of the contract has been broken, as is being shown n
        court.

      • john doe says:

        @ Readdocs

        ok “mr know it all” you sound like you’re talking straight out of an article you read. let me first start by saying this: it doesn’t matter one bit who services the loan–whether it was the bank you originated with or another entity…you still have to make the payment. Because NOTHING would have changed about the terms of your loan in the transfer. also, it really doesnt matter whether or not the foreclosure paperwork was “processed or filed” correctly. that does not negate the fact that an individual would not be in that particular situation if the payments were being made. in the case that the foreclosure was not “processed correctly” for whatever reason…all that’s going to happen is the file will get sent back to foreclosure and be re-done right the next time. i’ve seen it happen before. the fact of the matter is that if the payments were made…the issues you are referring to would not even come up b/c foreclosure would never be in the picture.

        let me also remind you to go back to any of my original comments. i’m not taking the side of the banks or the homeowners. my original comment was simply discussing how TOO many americans want to “blame” the banks because they lost their home to foreclosure because that seems to be the trendy thing to do. when in actuality the majority of foreclosures are done correctly but the incorrect ones get all the press of course.

        i have witnessed and sent hundreds of homes to foreclosure. and each time i’ve had to tell a homeowner that their property will be sold in foreclosure they always want to yell atme me & blame me. but when i look at the account history all i see is hundreds of attempts to make contact with no response. or efforts to provide assistance only to realize its just not feasible. but in the same token i’ve also prevented even more homes from going to foreclosure. now i will say this…if you have a legitimate case to make as to how or why you were wrongly foreclosed on then by all means fight it. but if you’re just in a situation where you lost your job or couldn’t make your payment…don’t blame the bank.

        best advice i can give is this: if you’re facing foreclosure contact your lender. don’t just avoid the phone calls or “threaten” to get a lawyer b/c it does you no good. there are possible options out there for you. if a loan modification or a payment plan won’t work for you then look into a short sale or a deed in leiu of foreclosure. ANYTHING is better than a foreclosure b/c it stays on your credit for 7 years. and please people dont just think that filing bankruptcy will prevent a foreclosure because it doesnt…it only delays the inevitible. chapter 13 might buy you some time if you are actually making the payments but once the bk is discharged you’ve still got this big mortgge to deal with. and chapter 7 is not the answer either because the bank WILL obtain relief (meaning that they will not allow you to include the mortgage in your bankruptcy). then once that gets discharged yes it is possible that you may not have any “financial” responsibility to the loan but you’ve still got to either continue paying if you want to stay in the house or short sale or deed the property back…otherwise you WILL face foreclosure action for non payment. the notion that you can just wash your hands of a $150k mortgage with a bk the way you can with a $2,000 credit card is obsurd. do you really think that lender is not gonna put up a fight and try to demand to get paid??

      • Readdocs says:

        Wow…just wow.
        You didn’t read a thing I posted.
        You write like the only problems going on are dead beat borrowers.
        The banks could not possibly be doing anything of the things discussed on this site.
        Well who ever you are, good luck with that because as the citizens of this country
        wise up, the banks are going to dry up.
        It doesn’t matter if the payments on a bad mortgage are made or not, that’s the point.
        The mortgage is designed to fail, so the insurance applied to the loan will bring in much
        more money than someone actually paying off a bad mortgage. If you don’t know what
        a bad mortgage is, then you are no mortgage broker or otherwise.
        There’s no such thing as the credit bureaus working with the loan underwriters in padding
        credit scores so hundreds of thousands can be signed up for subprime loans. There’s no
        such thing as appraisal districts padding their numbers to keep the higher rate of taxes
        going on either. And there’s no such thing as robo signing from the original wet ink documents
        through any transaction, transfer, or assignment either. Theres’ no such thing forged
        initials or signatures, or of fraudulent documents created after the fact either. None of this
        is going on, even the courts are hallucinating when this stuff is presented in court. Like in
        Michigan right now. Ther’e’s no such thing as banks foreclosing on properties that are not
        theirs, and have never been theirs. There’s no such thing as banks selling foreclosed properties
        that theirs either.
        You’ve failed to discuss any of this or of the previous post. you’ve attempted to manipulate this
        thread to your agenda. You are OBT– USE.
        And by the way, each of those ‘no such things’ above are related to actual cases.

      • Bobbi Swann says:

        @ Readdocs, Marie & AliceN.Wunderland – It’s a waste to continue to answer JOHN DOE. He has been so brainwashed by the lending community and probably will never see the light of day. You all are way to intelligent to try to move a locomotive down a track backwards! I read all of his replies to the posts by the 3 of you and all I can say is Poor Boy! He is drowning in ignorance! He doesn’t even realize that the money being lent to his company’s borrowers isn’t even their own money – he works for a non-bank – no depositors – just a line of credit with a 3rd party to fund the pipeline. Point in case is Taylor, Bean & Whittaker with Colonial Bank being their point of funding….yep, and we all know where that trail ended….lots of people losing their jobs and management on both sides have been sent to jail leaving behind the fraudulent mortgages used to swindle the money for themselves! Bye-bye John Doe!

      • AliceN.Wunderland says:

        Bobbi, I agee about jd. I just feel she is not real educated about the issues and I thought it was inecessary to explain what happened. JD is ‘stuck’ and doesn’t understand the full process. I didn’t even realize what had happened until a few months ago. I have a mortgage background and like you, I was there when it was an honest business, when integrity meant something. I left before all this mess started so I have been playing catch up, my only advantage has been that I understand it a little better because I know how it worked before securitization. JD seems to be basing her knowledge on the old rules and why she was taught that way confuses me. Her lack of knowledge became apparent to me when she stated she lost her L.O. job because of cut backs due to ‘seniority’. No, not true. Seniority had nothing to do with a loss of a L.O.’s job as they were valued about all else due to how much they could produce, not how long they were in the biz. A L.O. was the companies bread and butter and a good producer would never be demoted to the collection dept. Those following these sites hopefully can see that she isn’t that qualified to be discussing these issues and not open to learning anymore than what she has been told to say.

      • nbpundit says:

        Thanks Bobbi,
        My last post was my last post to John Doe. It was obviously a waste of time.
        I don’t have a mortgage background, and steadily trying to catch up with the learning curve
        of what is going on in exchange of the ways it used to work. The history is amazing.

      • Maria says:

        Last response to John doy, @ June 16, 2011 at 4:22 PM. Bank of America sold my Note three times and now wants to FORECLOSURE on the same property. I think, it is little bit TOO MUCH ‘profit’ for junk house! They never did Inspection of property and falsified an Appraisal by including two lots of land while I have only one! Sorry! I will never pay even penny anymore and they will not take my house, though, they are trying to do this so hard for third year! How old are you, John doy? You even unable to read and understand what we are talking about.

  10. housemanrob says:

    I’m gonna get old betsy and go put enough bird shot IN SOME BANKER’S ASS so that they will be picking out pieces of lead until 2025! Now that is appropriate and no homicide involved………..shucks!

  11. JIm Bethea says:

    The Bible made reference to the “Days of Jubilee” when man will take back his land by proper means >>> It’s time to get these greedy crooks to pay for their 90 years of monetary scemes and scams …..Tax alternatives such as the Fair Tax etc will eliminate the corporation known as the IRS >>> I hope the courts take care of the banksters >> and then there will be no other option for the Fed Res but to be dissolved by their lack of control to steal interest money on money never lent by them, other wise known as the National Debt …….

    • Fury says:

      amen!
      we are not slaves to the land.
      they are trying to make us and the next generation serfs tied to the land. they have stolen our money,
      our homes and their fraud has made it so our seniors risk losing SS and medicare because of the
      crimes.

      the next generation is saddled w/ college debt with no jobs prospects. they will be paying off this mess for the rest of their lives.

      the banks are responsible for bringing this Hellstorm down on us with their Ponzi scheme.
      They have created a Depression worse than the Great Depression.

      we are not going to let them getaway with it.

    • Catherine Mc Manus says:

      “TOO BIG TO FAIL BUT NOT TOO BIG FOR HELL”

  12. Susan D says:

    I have EVERY symptom! I wonder if acupuncture could help…

  13. maia says:

    OMG–I have MFS really bad–felt like walls have been caving in all weekend, but come Monday morning I’m working on my legal docs again, wondering if it will ever end.

    • enough already of this b-ll sh-t says:

      i have it also. the fear of mail boxes and cars outside my door, obsessive about the next 4closurefraud or livinglies post. it is so severe for me because this was not suppose to happen to me. i am a nurse for 25 rs but we also lose jobs because of the economy especially if your the last one hired and the hospital is down sizing. my husband had a job with windows and doors. we lost our jobs months of each other

      i have extreme symptoms. i aske dmy lawyer about suing wells fargo for pain and suffering. isnt there symptom what one feels whe wells fargo loses your paper work for the 100th time.

      i have it real bad very obsessive because we put that 20% down and we can not walk away. i have a fear of court and the judge and of losing my home to this fraud. please we need some help where is our president we voted for. why has he not stepped in yet. when is it going to be enough. foreclosures should be stopped the homes are not cars
      we live here kids going to school
      why are all htese people in jail for straw buying what about our motgages.

      • Fury says:

        you are not alone.
        hang in there. you gave comfort to many patients. now is your time for that healing to return to you.
        you were ripped off. you didn’t cause it.

        with every threatening letter that comes in the mail, think of it as a piece of evidence of the fraud
        against you..

        good luck! we are fighting this ponzi scheme together.

      • Maria says:

        I had telephone call that my life is in danger because of my multiple motions in the foreclosure Case. After this one, I had another: woman asked me if I have the minors or husband in my home. i think, she is the killers’ intellegence… . She needs to know how many bullets they need during “visiting” my house. It is MORE than frustraiting MFS.

  14. l vent says:

    Just watched Chris Whalen TELL IT LIKE IT IS ON CNBC. Timothy Geithner is CRYING about the DEBT CEILING and saying CONGRESS has to RAISE IT OR THERE WILL BE A FINANCIAL CATASTROPHE. CHRIS WHALEN SAID IN NO UNCERTAIN TERMS THAT IS A_ BIG LIE_. The FED HAS BEEN ILLEGALLY PROPPING UP CONGRESS FOR THE LAST 2 AND A HALF YEARS including the ILLEGAL BAILOUTS THAT OBAMA GAVE THEM USING THE TAX-PAYERS MONEY. THEY PROMPLTY CUT CHRIS OFF AND WENT TO COMMERCIAL. I am of the opinion that THE FED HAS NO BUSINESS MANIPULATING U.S. TREASURY BONDS. THEY ARE SUUPPOSED TO BE A PRIVATE BANK. BERNANKE AND THE FEDERAL RESERVE MUST BE FORCED TO KEEP THEIR FILTHY HANDS OFF OF OUR WEALTH. WE ARE SICK OF PROPPING UP THE RICH. THE FEDERAL RESERVE BANK AND BEN BERNANKE AND WALL STREET AND CONGRESS ARE ROBBING THE AMERICAN PEOPLE BLIND. AUDIT THE U.S. TREASURY, OPEN UP FORT KNOXX. AMERICA IS NOT BROKE. WE WERE ROBBED BY THE FEDERAL RESERVE BANK/WALL STREET CRIME SYNDICATE. THE AMERICAN PEOPLE WANT TO DECLARE OUR SOVERIEGNTY FROM THE FEDERAL RESERVE/WALL STREET CRIME SYNDICATE. THEY ARE BANKRUPTING AMERICA!!! NATIONAL SOVERIENGTY WILL PREVAIL UNDER THE U.S. CONSTITUTION. GOD BLESS AMERICA.

    • anon says:

      Hello Again,first of all , does it really matter what party is where in the house,senate or white house ? Hell no as I said before it is time for us to ACT !!! All the little maggots on on a 2 week break ( in all of our hometowns) . If you think fighting them in court is an option , go for it , I will choose my battles more carefully, on my terms , on my time frame . Do your homework , lets hit the bastards where they live and destroy what is dear to them.

      • l vent says:

        anon, No, as I have been saying it is the REPUBLICONS AND THE DEMORATS. THEY ARE ALL CORRUPT. THE PEOPLE_ MUST NOT_ VOTE FOR ANY OF THEM IN 2012, IF THESE CROOKS LIVE THAT LONG. VOTE OUTSIDE OF THE BOX, WITH PAPER BALLOTS. WE THE PEOPLE WILL COUNT AND TALLY THE VOTES OURSELVES. WE KNOW LONGER TRUST ANYBODY.

      • ANON….you are so right….enough is enough…the anger is deeper than anyone can even imagine… and where will it go…how far….It is both parties that have screwed this country…This destruction was and is the fault of the past 5 presidents..they carried titles other than president…..they were sneaky sly bastards….dead or alive…they f**ked us all…and the same goes for the Senate / CONgress and every division or department in the White House…..Did you hear the silence???? Not a word from anyone of them….on this planned destruction….the swindle scam of fraud on our homes…and it goes deeper than that. it goes in all directions.

      • l vent says:

        anon, you will be o.k. They want us to kill ourselves, but we are Americans. My Gramps told me stories about when he was in the Army in boot camp during WWII and how grueling it was and my Gram always told me stories about the oil lamps they did their homework by during the Great Depression and how they only had so much time to do their homework because their was only so much oil for the lamp, and how poor they were but they loved and lived for their families and they stuck together. What the people endured in those days. When my Gram was really sick and hospice came to the house,the hospice nurse said she was amazed at the endurance and strength of the WW II war vets and how they had an unbelievable tolerance for pain and suffering as my Gramps was really sicker than my Gram, he just would not show it. He died 6 mos. after her. They were married for 65 years. .I think we all have that enduring spirit. Americans are fighters and we don’t give up. That is what the sheisters fear the most. We have to stay strong and stand together as one nation. We will overcome this tyranny. We did it before as one nation, we came together to fight the same tyranny and we won and we will do it here again, in America, in the 21st century..

    • anon says:

      I vent, I am totally with you , did you understand what I was saying ? The Fed , the bankers and every son of a bitch in office are our enemies and should be treated as such , I am ready to take from ALL of them what they have taken from me , by whatever means. Typing on a keyboard is fine , but what does it accomplish? They hop in there cars and pull up there driveways at the end of the day , lets take that away from them and see how they feel about it, at some point when backed into a corner what choice do you have.

      • l vent says:

        anon, Do you know who visits this website everyday? The SEC, all of the FEDERAL TRANCHES. The people are uniting and they know it. The mainstream media is even rreporting the PEOPLE HAVE HAD IT WITH BOTH PARTIES. CHECK OUT THE MOVEMENT BY THE PEOPLE. IT IS GETTING BIGGER EVERYDAY thanks to websites like this one. check it out. http://twitter.com/#1/operationleaks http://bankofamericasuck.com/

      • l vent says:

        anon: I strongly believe that our revelations on this website are helping immensely to get the job done. THE TRUTH WILL SET US FREE. THE SOCIAL NETWORK PHENOMENON NO LONGER IS ALLOWING THESE FOREIGN MULTINATIONAL CRIMINALS TO RULE BY SECRECY. There is tremendous power in the TRUTH.

      • I vent….As history has proven…distraction is used when another evil ‘ plan ‘ is in the background…..a ploy…an action intended to happen. The foreclosures are the distraction…..taking years to get to this point and still years to go….but the distraction if the cover up of what really is planned. . and may be soon. That is why there have been no arrests…nothing…cause they don’t intend to have any….All the above are in with the financial industry and pharma and the society that runs it all…..Obama brags of it in his speeches….the society put him in office. Yes, the people are uniting…there are many groups uniting…as one we will be strong…..WAKE UP AMERICA

      • anon says:

        I hope so I Vent , to be honest w/ you I am getting a little old for this “road warrior” shit , and may be a little chubby for my leathers , but the only things I DIDNT SELL were my harley and lets call it a rather large collection of big boy toys ( been stocked up since Y2K ) . But I may have to drop 20 lbs. to fit back into the cow-skin, good nite all , GOD BLESS AMERICA AND GOD BLESS YOU oh yeh , I checked out your link , very informative

    • I vent…I feel alot of people in foreclosure are in such a panic that they still do not get the picture. I get the picture, maybe not the whole picture, but I learn something everyday….not happy with what I learn…but I can focus better and fight better for those who are in that panic state. My daughter does not go into the deep crap…she stays on the surface and let’s me get the facts….I take it she don’t want to hear the facts….so I don’t even mention anything. I feel she is better off just focusing on the actual foreclosure…but so many people are fighting this by themselves….my heart feels their pain. This is so horrid….so shocking, so disgusting….with millions of people with foreclosure…the only way this could possibly happen….and the government not even in the picture…is the govrnment…past and now.. along with the presidents and vice presidents are not WHO we think they are….the picture say’s we have been lied to…the foreclosures are a distraction……. WAKE UP AMERICA…NOW A CLUE .. A RED BIRD…..AND IT’S NEST IS IN NEW YORK……..THAT CLUE WILL TAKE YOU TO ANOTHER COUNTRY……. TO HOME BASE….

      • l vent says:

        Marilyn, It is becoming more and more creepy. No one or nothing is who are what we think they are. WTF! It is like the whole Government is playing JEKYL AND HYDE. I hate these dirty, deceptive liars. The whole Government is like one big liar. Like good ole Bernie said, the whole country is one big Ponzi Scheme. Could it be true, America no longer has a TRUE identity? We are now known as THE UNITED STATES OF FRAUDMERICA. What a disgrace these foreigners and TREASONISTS FROM INSIDE OUR OWN GOVERNMENT. IT IS ALL ABOUT TREASONIST AMERICANS WHO ARE SO GREEDY, THEY ALMOST PUT US UNDER. THANK GOD WE HAVE A U.S. CONSTITUTION AND A BILL OF RIGHTS TO PROTECT US FROM THIS TYRANNY, OR DID THEY SELL THAT TOO? I DONT THINK EVEN THEY, AS CORRUPTED AS THEY ARE, WOULD EVEN HAVE THE BALLS TO DO THAT. IF THEY EVER TRY TO DO THAT THEY KNOW THEIR HEADS WILL ROLL. LIKE MICHAEL SAVAGE SAID, ABSOLUTE POWER CORRUPTS ABSOLUTELY..

  15. CaitlinO says:

    The author of this article dishes out a lot of blame for the predicament he’s in. He blames predatory lenders, incompetent or dishonest servicers and Democrats.

    I have to wonder if he’s looked at a calendar anytime recently. Who was in office when the housing bubble began in 2003? Who was in office when the FBI warned of massive fraud in mortgage lending in 2004? Who was in office in 2007 when sub-prime lenders Ameriquest and New Century imploded or in January 2008 when BOA announced it was acquiring Countrywide for pennies on the dollar? Who was running the country when the banksters were bailed out in the fall of 2008 against massive public protest?

    Obama’s biggest sin is that he has failed to decisively overturn the policy disasters of his predecessor – but if the author truly wants to understand how his life was ruined, he needs to focus on who put those policies in place and let massive fraud throughout the financial industry flourish untouched for 8 years.

  16. Mad as hell in Maryland says:

    THERE IS A CURE. Banks and Servicers should LOSE any and ALL rights to said instruments. Believe me, you will feel much better when REAL justice is served. Unfortunately, it is a long shot. Challenge everything. Good luck to all.

  17. l vent says:

    Yes,Kudos, this is 100% correct. This gives a name to the face of a destroyer of lives and it is also a killer of our health and general well being.. Myself and my family have suffered from almost all of these symptoms over the last 3 years. I am sure there have been many divorces over the stress and arguing, complete mental breakdowns, murders and suicides from all of the stress that MFS has caused the American people.. Stress alone is a killer. They know it too. They know damned well we can no longer afford to pay for health insurance, trips to the doctor or the dentist either. All the Republicons want to do is kill the health insurance for people who can’t find jobs or simply can no longer afford the health insurance rapes, I mean rates.. Now let somebody try and tell us the POLITICIANS are not in on the scheme. Another BIG LIE, like all of the rest of the LIES starting way back when they told us, YOUR MORTGAGE LOAN WAS APPROVED, COME ON IN AND SIGN THE MORTGAGE AND THE NOTE,, WOULD YOU LIKE TO TAKE ALL OF THE EQUITY OUT OF YOUR HOME AND OWE A SECOND MORTGAGE?. AMERICA IS BROKE, THERE IS NO FRAUD HERE, YOUR LOAN MOD WAS APPROVED, WATCH FOR THE CONTRACT TO COME FED EX,, OOPS, SORRY,YOUR LOAN MOD WAS DENIED AT THE LAST MINUTE BY THE U.S. TREASURY DEPT.(WTF!) ,_ YOU_ MIGHT HAVE TO SELL YOUR HO– USE, THE BANKS DO NOT REALLY HAVE TO PUBLICLY RECORD, THIS WAS REALLY NOT FRAUD, THIS WAS JUST GREED, IT WAS NOT INTENTIONAL, THIS IS WHAT THEY DID, THE MORTGAGE SERVICER/BANKSTER, THAT YOU HAVE BEEN PAYING THE MORTGAGE TO, OWNS YOUR LOAN, THIS IS ALL THE PEOPLE’S FAULT,THE PEOPLE SCREWED UP, THE PEOPLE DID NOT READ THE 500 PAGE PSA AGGREEMENT BEFORE THEY SIGNED THE CONTRACT, YOUR PROOF OF FRAUD IS RARE, THE FORECLOSURE FRAUD CAN BE FIXED!, THE US CONSTITUTION PROTECTS THE BANKS FROM THE GOVERNMENT(WTF!), EVENTUALLY THE BANKS CAN PROVE THEY ARE THE PARTY IN DUE COURSE, THAT IS A SCRIVENOR’S ERROR ON THAT DEED, AND WE REALLY MEANT TO PUT A LIEN ON YOUR DEED!! MERS HAS THE RIGHT TO FRAUDCLOSE, ETC……..ALL A MASSIVE COVER UP BY NONE OTHER THAN OUR OWN U.S. GOVERNMENT, ALL LIES AND ALL BULLSHIT. COMPLETELY UNCONSTITUTIONAL, I MAY ADD,

    • CaitlinO says:

      “THE PEOPLE DID NOT READ THE 500 PAGE PSA AGGREEMENT BEFORE THEY SIGNED THE CONTRACT,”

      Do you have any idea at all what you’re talking about? Go to the URL listed below. It will take you to the Prospectus of a real live mortgage backed security. If you scroll down a little to the Table of Contents you will see that you can find the PSA which begins on page 89 and ends on page 97. That;s 8 pages, vent, not nearly 500.

      Also, ordinary people don’t sign securitization contracts. Investors like teacher’s unions, municipalities and pension funds sign them. Do you really believe that one of these was put in front of you at closing?

      SHEEEEEEESH!

      http://www.sec.gov/Archives/edgar/data/1102913/000116923203003680/d55690_424b5.txt

      • Stupendous Man - Defender of Liberty - Foe of Tyranny says:

        I’ve been ripping him over the past day or so, but in defense of I Vent on this point many PSA’s are usually quite lengthy. You’ve apparently found one, at least, that is shorter than any I’ve seen. Far from seeing all of them, I have looked at quite a few, and of those I’ve seen 250-500 pages is the norm.

        However, you are in error to believe that investors sign, or are parties to, PSA’s. Investors are issued “certificates,” or another similar term, and are not involved in the Pooling and Servicing Agreement.

      • Very interesting…..Try WaMu 2003 Arm’s Optional Prospectus…it is a laughing joke. It states no assignments… to save on administration cost…..Notes were kept by WAMU..not stamped…so no one could steal them….BUT to find your mortgage go to PSA to Schedule. E…..it will tell you all the information need to locate your mortgage….well…PSA did not have Schedule E listed…so flip thru all the pages (hundreds) and find it……..Great…I found it…..WTF… It say’s…. ‘ this information has been deliberately omitted.’…..I went thru 13 of these prospectus and PSA’s….hundreds of pages…AND ALL SAID THE SAME THING…..DELIBERTELY OMITTED…..All told the borrower shit…. I know we did not see any of this at closing….of course not….it would have clued the borrower in on the fraud…..BUT…was WAMU the only one that did a complete disaster on everything? It appears they were…….

      • By the way the prospectus was long……and so was the PSA….filled with crap.

      • l vent says:

        CAITLIN O.
        I was NOT talking about signing the PSA, I was talking about SIGNING the MORTGAGE CONTRACT, SILLY
        WHAT I MEANT WAS THEY MISLED US ABOUT WHAT WE WERE SIGNING UP FOR.
        THEY NEVER DISCLOSED THEIR FULL INTENTIONS ABOUT HOW WE WERE ALL BEING SET UP TO FAIL AND HOW THEY WERE USING ALL OF US AS POKER CHIPS IN THEIR PONZI SCHEME HEIST.
        THAT IS WHAT I MEANT.
        THE TRUTH IS WE REALLY SIGNED ANYTHING.
        THE LOANS NEVER EXISTED.
        THE MORTGAGE LOANS WERE SCAMS, COMPLETE FRAUDS. THE TRUTH AND THE PROOF IS IN THE ORIGINATION FRAUD.
        When we were told to send the WHERES THE NOTE QUALIFIED RESPA REQUEST WE WERE ALSO ASKED TO REQUEST A COPY OF THE PSA.
        THEY NEVER SENT THE COPY OF THE PSA.
        THEY — USED THE EXC– USE THAT I ASKED FOR TOO MANY THINGS.
        I KNOW THE PSA REQUEST WAS A CALL OUT TO THE PRETENDER LENDER ABOUT WHAT THEY NEVER DID.
        THEY NEVER SECURITIZED ANYTHING BECA– USE THERE WAS NOTHING TO SECURITIZE, JUST A GAMBLE ON HOMEOWNERS ABILITY OR INABILITY TO PAY A FAKE LOAN.
        WE WERE ALL — USED AS CREDIT CARDS IN THE PONZI SCHEME SWINDLE..
        THE WHOLE COUNTRY WAS ON THE FLOAT AND IT STILL IS..
        DID YOU REALLY THINK I MEANT SIGN THE PSA AGREEMENT?
        DOUBLE SHEEEEEEEEEEEEEEEEEEEEEESH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

      • l vent says:

        THANKS GUYS.

  18. Alienation from ignorant people.

    It increases the sense of loss a thousand fold.

    I think that it’s really normal for me to think of ways to punish Carlus Dingfelder, Thomas Reiter, James Geske, and the Officers of the Court. It’s the new wild west to me. This is why we had a system of laws. So we don’t get a bunch of Angry Jewelers running around the place thinking of ways to tie a bunch of suits to various trees around our heavily wooded homeland.

    It’s pervasive, it’s everywhere. It gets in your food, in your water, it’s in your nose, it’s in your kids, it’s in the walls — it’s death. It’s just the rank, rotting, mass metaphoric death of ethics and integrity.

    It’s the deep, to your core, shock and awe – as you look around and wonder, how in the world did so many ignorant fools get their fingers in these pies? W.T.F.?

    It’s the TOLERANCE that baffles me.

    It floors me. It brings me to my knees.

    YOU PAY FOR THIS.

    Why?

    NOT ME!

    What makes me feel better is to know that the Age of Ethics did come to rise. Look at us go!

    I just try to feel a lot of pity for those who are blinded to their own participation in such a horrible thing, and I pray for them for a smooth transition if they ever do wake up. Poor Carlus.

    Poor, poor Carlus Dingfelder.

    And HE THOUGHT I HAD PROBLEMS! HA!

    : )

    FORGE ONWARD WITH LOVE in anger…..for they know not what they do…

    AND PAT YOURSELF ON THE BACK! These people were paid to commit crimes, because they were either ignorant, criminal, or BOTH…

    • Maria says:

      Yes, I’m sorry too for the Jacksonville Duval County Senior Judges and their Clerks! Though, the Foreclosure Court is NOT EXISTS officially, they have clerks in the Room 103 and even room for “SPECIAL FORECLOSURE CLERK” JUSTIN PORTLOCK, Tel. (904) 630-2031. What did he so special? You will not believe… He took my Case, made three (3!) Volumes and challenged the Docket Sheet. I was in Court on April 11, 2011 and found THREE DIFFERENT VERSIONS of the same Docket Sheet and on the same time: one version in Court’s computer (Idiscovered a new line “Plaintiff’s Atty: Schwartzseid, Alen” I NEVER deal with; another one for PUBLIC to see and one more absolutely OUTRAGEOUS version – it looks like for PUBLIC, but under Case Number I see TWO more lines: “FORECLOSURE (– USE ON CASES PRIOR TO 2010”. And next line (two links) shows that there are several Cases: “PREVIOUS CASE” & “NEXT CASE”. Hello-o!!! I have only one Case, I never was served with any ‘previous’ or ‘next’ Cases. And how many Cases can be placed under ONE Docket Sheet? When I tried to print this version, these two lines unprintable, copy comes without these two lines. WHAT A HELL IS IT? Any ideas? It will be sad if this young man will sadenly find his “special” ass in prison…. .

  19. Sui the Gator says:

    I agree with this, however, borrowers must also be a part of the “fraud” that was submitted to lenders… It was a survival issue… It became the norm to “exagerate” on loan apps like it does on your income tax returns. That must stop… Your house payment( PITI) should be no more than 28-33% with debt max 45%…

    Sui the gator in real life is a real mortgage underwriter, that is still out there working the Everglades.. I still see it, so it you want this cycle to stop, don’t try to think you can submit your loan applications as before.. we look for fraud on EVERY loan we review.. You don’t want to be a posted offender on Mortgage Fraud.com.. Sui the Gator has a tough bite, so know you won’t get past this underwriter…

    For some of you that did Deeds in Lieu of Foreclosure, FNMA (aka Fannie) is allowing for that item in reviewing new purchases… you may wish to check with your lender as to if it will help you purchase homes in the future.. So, there is some spark of hope for borrowers that tried to do and did a deed in lieu.. The common “jingle” mail with the keys in the envelope scenario.. Later – says Sui the Gator.

    • l vent says:

      @SUI THE GATOR: WTF, ARE YOU TALKING ABOUT? THE DEED IN LIEU and the SHORT SALE are SCAMS. They are being used by “so-called” real estates who are also ALL IN WITH criminals that DEFRAUDED ALL OF US to trick innocent VICITMS INTO SURRENDERING THEIR HOMES OUTSIDE OF A COURT ROOM WHERE THE BANKS WOULD HAVE TO PROVE SOMETHING LIKE OWNERSHIP OF THE FAKE, FRAUDULENT MORTGAGE LOANS.. I hope and pray by the GRACE OF GOD, they are forced to give back every home they deviously and insidiously tricked unknowing homeowners into falling for this INSIDIOUS TRICK. I also hope you can never aid and abet these criminals by “underwriting” any more fraud for them.. I hope your smart ass goes to prison right along with the ENTIRE FANNIE/FREDDIE CYBER SPACE, COUNTERFEIT SECURITIES FRAUD/BANKSTER/WALL STREET ONGOING CRIMINAL ENTERPRISE. I HOPE THE FBI READS YOUR POST AND FINDS YOU AND HAULS YOUR LOUSY STINKING LYING ASS OFF TO PRISON FOR ADMITTING YOU KNOWINGLY PARTICIPATED IN THE DEFRAUDING OF MILLIONS OF AMERICAN PEOPLE..A DOG LIKE YOU WILL HAVE YOUR DAY. AND IT WILL BE SOON.

    • EXC– USE ME….SUI THE GATOR…..so you are a ‘real mortgage underwriter.’…that is nothing but a checker……. these foreclosures never saw an underwriter…that’s how much you know ……they were passed thru with just a signature…time was not wasted on any checking….AND brokers fudge figures ..and so do banks….that was in almost all of the cases…Why don’t you tell the banks they did fraud from the closing on….OUR MORTGAGES WERE PAID FOR…REMEMBER???? PAID AT THE CLOSING…….Just where the hell have you been??…SOOOOO…you know how to exagerate on your tax returns??? Are you telling millions of people that …exagerating needs to stop???? Is that an order ?? From a WILD swamp hog ?? I think you need to go home..back in the Everglades to your swamp hut.

    • Bobbi Swann says:

      @ Sui the gator – I am a real life mortgage broker and I KNOW the truth! When WAMU, Countrywide, TB&W, Chase, Citigroup, Wells Fargo all came out with their “NO DOC’ loans I refused to submit them. I refused borrowers who wanted to go with those programs. Did I lose a lot of business? Hell yes but I could not trade my moral ethics for cash. And ya know what else? My record stands clear that I do not have one single default in these past 7 years. Those loans were never underwritten; they were slammed through the system in order to be sold (fraudulently) on the secondary market and further sliced into securitization to unsuspecting investors from the (fraudulent) bank(sters). The lenders were pulling car salesmen from the streets and showering them with positions as “underwriters”….it was a joke! Just like the ones @ TB&W who now will spend, more than likely, the remainder of thier lives in prison for what? The almighty dollar? We have lost sight of the real purpose of life….and too busy amassing our lives with cars, boats, electronics, clothes as if that is a foundation to build upon. It is those who have built their foundations on sand, and not stone, who will fall! As to Deed in Lieu, that is a joke….just another means for the lender to swap out fraud because they cannot prove they own the title anyway. I feel pity for you because you are really at the bottom rung of the ladder in the scheme, diluted by those above you and have swallowed the garbage that they feed. What do you think happened to the underwriters at TB&W? Do you think they were aware of the embezzlement going on? To quote a good reference: Ignorantia juris non excusat or ignorantia legis neminem excusat (Latin for “ignorance of the law does not excuse” or “ignorance of the law excuses no one”) is a legal principle holding that a person who is unaware of a law may not escape liability for violating that law merely because he or she was unaware of its content.

  20. anon says:

    I have felt/been a victim of just about all of the symptoms above , the feelings of rage and my instinctive feelings to lash out and inflict the same pain on those responsible for this has become overwhelming. I am being treated for depression and have just recently started to feel “normal” again ( whatever that means) , we have had it banksters , we have not felt safe in our homes for years , so why the hell should you . We know who you are and when backed into a corner do you think we will not revert to a more primitive form of justice? I suggest you study our history as a country , we don’t lay there and take it forever , are you ready?

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