Palm Beach Post | Is Signing Foreclosure Documents for Others Forgery?

“Because the surrogate signers were signing the documents as part of their jobs, and presumably believed that they had the authority to sign, they could not have committed fraud,” said Nova Southeastern Law professor Robert Jarvis. “Moreover, in most loan documents, the borrower expressly agrees that the bank, or the bank’s representatives, can take all steps necessary to protect its interest. This would include signing documents.”

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Is signing foreclosure documents for others forgery?

The Nevada attorney general calls signing another person’s name on documents used to repossess a home “forgery” and a “scheme.”

Michigan’s attorney general launched a criminal investigation that includes whether “falsified signatures” were used in foreclosure cases.

But Theresa Edwards and June Clarkson were forced to resign their jobs as foreclosure fraud investigators for the Florida Attorney General’s Office, in part, for referring to so-called “surrogate signing” as forgery.

According to a Florida Inspector General report that cleared Attorney General Pam Bondi’s office of wrongdoing in the firings, the duo repeatedly used the word “forgery” in a 2010 presentation that included documents from the Jacksonville-based Lender Processing Services. The company complained and drew the attention of economic crimes boss Richard Lawson.

Lawson says in the inspector general’s Jan. 6 report that surrogate signing as it relates to Lender Processing Services, also called LPS, is not forgery, which requires an intent to defraud. The practice was authorized by the company, more evidence, Lawson said, that no forgery occurred.

Rest here..

Let’s not forget what Lawson did before joining the AG’s office, white collar criminal defense…

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4closureFraud.org

Comments
39 Responses to “Palm Beach Post | Is Signing Foreclosure Documents for Others Forgery?”
  1. William says:

    Keiser Report: Wall Street Gangsta!

  2. MARGETTA LANGLOIS says:

    DID YOU GET MY 2 OTHER COMMENTS ?

  3. macy says:

    Hi 1vent- Do you have any info on or have heard of any situations where the Original Lender has forged an endorsement on an allonge? If anyone has heard of this any info or a point in the right direction would be greatly appreciated. : )

    • macy says:

      OOOPs- should have added “or where there appears to be a forged signature of the Original lender. ( docs have been examined by a cert. do examiner- btw) This would not only mean forgery but also counterfeit of a negotiable instrument.

      • lvent says:

        Hi Macy…great point about the allonge..the whole allonge thing does sound like counterfeiting if they do not have standing..I do believe they robosigned the allonges and I believe fraudclosure is racketeering…

      • macy says:

        wanted to add- forgery of a UCC 3 negotiable instrument- which via REMIC was converted to a UCC 8 securities instrument- which means in reality that the UCC 3 instrument i.e. NOTE- no longer exists- so I am wondering what sort of crimes were committed when they took a UCC 8 instrument and re-created, re-converted – re-whatever they did- to file a fake UCC 3 instrument into a Fraudclosure case. My guess is Fraud upon the Court, Fraud upon the Public Record, Willful Intent to Defraud, Unjust Enrichment, Breach of Trustees Fiduciary Duty(?), UCC violations, SEC violations, REMIC tax violations, Trust violations, Mail Fraud, Insurance Fraud(?),FDCPA & FCRA violations and the list goes on and on and on…

      • lvent says:

        I brought up the breach of fiduciary duty in my last motion to dismiss on the fact the escrowee from chicago t&t was also the notary at the closing…that is a criminal act…the judge said he saw my point but said I will need to have a hearing……they committed many felonies….when they sold the note onto wall street..and turned the note into a stock aka a poker chip….they cancelled the note…..though the origination fraud…the fact they never delivered the note to a trust and sold interests in a unsecured note and mortgage was also fraud and nullified the contract….the mortgage…….the investments they sold were in the money flow, the mortgage payment……not the house…..there were an abundance of fraudulent transfers as well…..lots of racketeering…!

  4. William says:

    The ‘banks’ aren’t the ‘lenders’ so why do they have anything to do with this? The ‘banks’ sold the loans off to trusts. The trusts and the trust investors are the lenders. The banks are not involved in this. They have no rights to secure the ‘bank’s’ interest when the ‘bank’ has no interest.

    • William says:

      The forgeries are a means to steal the note from the trusts. Whether or not there was ever a legitimate mortgage, or just a multi pledged counterfeit shadow mortgage is an unknown. The banks are forging documents that create the illusion that they have any interest in loans they do not. This is a multi layered crime. The banks are stealing the homes from the owners, depriving them from negotiating with the true lender, Further, the forgeries create the vehicle (foreclosure) to cover up the reality the each proeprty being foreclosed on has many loans on it and the bank is operating to conceal this from the courts. The trusts seem complicit in this as they are silent. Certainly, the trusts have the power to address this mess, and create a means to en mass set up a mechanism to re negotiate loan. I suspect the trusts are the ‘interests’ that are purchasing the properties for pennies on the dollar. THE PERFECT CRIME?

      • William says:

        Purchasing the properties (HOMES OF AMERICAN FAMILIES) for pennies on the dollar AFTER being BAILED OUT for DOLLARS ON THE DOLLAR by the US TAXPAYERS/HOMEOWNERS!! THE PERFECT CRIME WHEN THE RACKET OWNS THE JUSTICE SYSTEM! AND AG’s, DA’s, GOVT ATTORNEYS , JUDGES ETC! All via FRAUD.

      • lvent says:

        William…they never delivered the notes to the trusts…that is how they got away with multiple pledging..that is how they committed massive collateral motgage fraud…$700 trillion dollars worth in debt fraud…Max Gardner said to a group of attorneys..if you ever come across a deal that was done right you should frame it and hang it on your wall..they are not stealing notes from a trust. There is no trust..and there are no notes….they cashed those notes when they sold them onto wall street…likely before you even signed….they are psychopaths…

      • lvent says:

        They are attempting to collect on a contract…the mortgage…but they nullified that contract when they broke the chain and committed numerous other frauds…the fact that they never delivered the notes to the trusts at origination….and sold interests in the security instrument (the note)…is securities fraud…there was no security because the notes were never in a trust…..there was no collateral backing up those sales either…it was a racket…
        See the latest Keiser Report…… http://maxkeiser.com/

      • lvent says:

        William…the true lender was the U.S. TAXPAYER…..!

      • William says:

        They created counterfeit mortgages and sold them to the trusts. There were not notes to attach to the counterfeit mortgages. The actual mortgage and note were destroyed by the mechanism they created to separate the mortgage from the note to conceal the true nature of the counterfeiting racket, MERS and who knows what else we have yet to discover.
        I think we need to call the crime ‘counterfeit mortgage’ fraud.
        Foreclosure fraud is simply the attempt to conceal the counterfeiting racket. Those who act to enable the cover up are defacto admitting to their having been an accessory to the fact. No AG or DA or anyone else works to conceal this level of crime unless they were in on the crime itself. Its not complicated why we see people whose very job is to investigate crime and prosecute the criminals covering up the crime and persecuting those who attempt to investigate it.
        This is a crime of the legal system having been infected/infiltrated by the criminal racket. Our DA’s and AG’s ARE in many cases the criminal racketeers. We have literally been invaded by a jihad of heretofore unseen criminals. We are under occupation. The occupying racketeers are in our justice system at the county level. Criminal defense attorneys who are now racketeers, not lawyers at all. But they own the courts, (judges, clerks, etc). The invasion began in the mid to late 1980’s. IMHO

      • William says:

        What I am trying to say is, that for every home sale there was one mortgage/note. At the same time, and later there wer many other counterfeit mortgages originated that had no note at all. Thus they created a method to conceal the fact of the counterfeit mortgages by a method of ‘seperating’ the mortgage from the note where the actual note was destroyed. Thus, the document was destroyed that would EASILY proove the fraud and expose it to the LENDERS who were being defrauded out of their funds thinking they were lending money on a property secured by its value as collateral. when in fact the money loaned was to a LOAN ORIGINATION COUNTERFEIT MORTGAGE SCAM. The trust as far as I can tell, were sold the COUNTERFEIT MORTGAGES. Thus, they were insolvent, in that they bought something that was in fact counterfeit. WORTHLESS. We the US taxpayer for some reason was forced to underwrite the COUNTERFEIT MORTGAGES, and the criminals WHO STOLE THE MONEY AND STILL HAVE IT! HIDDEN SOMEWHERE! (MAYBE THEY ARE BUYING UP (VIA COVERT PROXIES) THE VERY FORECLOSURES THEY ARE RAMMING UP OUR REAR ENDS!) ARE PROTECTING THEMSELVES BY HAVING BECOME THE POLICE, THE PROSECUTOR, JUDGE AND JURY!

      • lvent says:

        William…they sold interests in the revenue flow (the fraudulently induced mortgage payments) to investors in the U.S. and around the world…the loan files never got delivered to any trust…the bank attorney for the plaintiff in my fraudclosure told me there is no trust…there is no trustee..there is no psa…agreement…they sold interests in the payments…they did not sell the Loans….they couldn’t…they got paid at origination by the U.S. TAXPAYER….when you signed that note you wrote them a check….they took that note to the treasury and cashed it and also received a bond and a treasury to gamble with on wall street and the gse’s sold interests in the bonds they held to the IMF…..when they cashed that note….that also generated your property deed…they also collected interest payments on money they never lent you….they gambled massive with the peoples money…they created 1.2 quadrillion in derivatives fraud debt off of the signatures of all of us…it is all hidden in their shadow banking system…their global pool of toxic collateral fraud debt….debt they can never repay…they owe the U.S. TAXPAYERS A TON OF MONEY…TIME TO MAKE THESE. CRIMINALS PAY….THEY CANT…AND THEY ARE HIDING THE FACT THAT THEY SRE INSOLVENT….ALL WHILE ROBBING THE AMERICAN PEOPLE BLIND…!

      • lvent says:

        William what I am trying to say is they never sold the loans to anybody….they never lent us any money…we lent it to them…they sold an interest in the revenue flow…they did not and could not sell the mortgage loan to a trust otherwise they could have never committed 700 trillion in mortgage derivatives fraud debt…someone st FOX NEWS got it right when they said no U.S. TAXPAYER SHOULD BE LOSING THEIR HOME because of what these banks did….BUT THEY ARE BY THE MILLIONS….

      • William says:

        Ivent, I understand they never sold the loans to anyone. But they did generate volumes of counterfeit loans and took the lenders money which the lender thought was a legitimate loan and transfered those funds to their own secret accounts. everything else is really fluff, and creates confusion in the minds of us all. The bottom line is the loan originators/brokers (Mortgage Banker Association?) in collusion with their racketeer counterparts in the banks, posing as loan officers and underwriters, along with mob protection racketeers posing as lawyers, forgerers and purgerers posing as real estate ‘attorneys’/law ‘firms’, appraisers or what ever hat they need to wear to commit the con, and those they can use as accessories, like robo-sighners, etc, judges, clerks, etc. In essence the judges could be viewed as robosigners, or better saied, robojudges, who just give their stamp of approval to the crime, sighning their names to the criminal acts, like a 10.00 an hour robosigner. The AG’s and DA’s and the rest who do the same, are the same.
        WE MUST STOP MAKING THIS CRIME LOOK LIKE SOME KIND OF ESOTERIC ABSTRACT.IT IS VERY SIMPLE AND BASIC AND ALL AMERICANS MUST UNDERSTAND IT. THEY WERE DEFRAUDED OUT OF THEIR JOBS, THEIR HOMES, THEIR SECURITY,AND OFTEN THE MARRIGAES BY A CRIMINAL RACKET THAT COUNTERFEITED LOANS AND SOLD THEM. THEY TOOK THAT MONEY AND TRANSFEREDD IT OFFSHORE TO SECRET BANK ACOUNTS. THEIR AG’S AND COUNTRY JUSDICAL SYSTMES ARE PART OF THE CRIMINAL OPERATION. THE LAWYERS ARE PART OF THE CRIMIANL OPERATION. UNLESS THE AG AND THE JUDGES AND CLERKS AND LAWYERS CAN PROVE THEY WERE EXTORTED, THEY HAVE NO DEFENSE AND MUST BE PROSECUTED. THE INVESTIGATORS AND THE COURTS MUST BE INVESTIGATED AND PROSECUTED. WE CAN BE ONLY ON ONE SIDE OR THE OTHER. THERE IS NO MIDDLE GROUND. THEY COUNTERFEITED LOANS AND WE PAYED FOR IT, IN EVERY ASPECT OF OUR LIVES AND WE WANT THEM PUT IN PRISON FOR EVER. WE WANT EVERY DIME THEY HAVE, WHERE EVER THEY HID IT , RETURNED TO THE USA TAX COFFERS. WE DEMAND JUSTICE. INDICT, PROSECUTE, IMPRISON. FIND THE MONEY! THERE MUST BE NO CORNER OR CREVICE ANYWHERE ON THE GLOBE WHERE THE SCUM CAN HIDE THE MONEY! DEMAND A PUBLIC TRIAL LIKE NUREMBERG, OR OJ SIMPSON! LETS SEE THESE SCUM HUMILIATED IN THE GLOBAL MEDIA 24/7!
        http://4closurefraud.org/2011/10/05/unsealed-complaint-wells-fargo-bank-of-america-j-p-morgan-chase-and-gmac-mortgage-engaged-in-a-brazen-scheme-to-defraud-our-nations-veterans/

      • lvent says:

        William…..their debt is hidden in the shadow banking system…..maybe some one could file a FOIA…request…..like a bloomberg reporter in order to find how much the fed lent the banks in secret bailouts…….in order to follow the money you have to follow their electronic paper trail…

      • lvent says:

        William..nothing they did was legal…and as a result of their massive fraud…our homes are paid for free and clear….there are no trusts, there are no trustees ….the mortgages are null and void….any act of fraud in a legal contract nullifies the legal contract…..clear title goes to the homeowner..throw the fraudsters in prison….!

  5. Sam says:

    The banks submitted fraudulent documents to the courts to cover p for the fraudulent documents submitted to them in the mortgage loan origination fraud. However, in that the banks sold the loans off to trusts, how do the banks have any interest or standing in the courts at all? They sold off the their interest in the mortgages Who represents the trusts and the trusts investors?. What am I missing?

  6. Kathleen Burt says:

    The Clarkson and Edwards cases need to be investigated further outside the politically-charged climate here in Florida. They received excellent reviews, yet were fired for a mistake on a power point presentation–?!.

    The banks’ attorneys must be held to the same standards in the courtroom as the rest of us–they must provide accurate and complete documentation signed by authorized parties. Fraud is fraud, regardless of the perpetrator. Other states seem to understand this, why not Florida?

  7. lvent says:

    You don’t kill a snake by chopping off its tail…..

    • lvent says:

      the truth is in their global pool of collateral debt fraud….their so called shadow banking system…that is where they hide all of their debt fraud…there is an estimated 1.2 quadriilion dollars in collateral debt fraud hidden there….700 trillion in collateral mortgage fraud alone…

      • lvent says:

        The only logical conclusion to why there have been no criminal prosecutions for these felons and the felons are still fraudclosing is.,.the orders to commit the biggest financial coup in history came from the federal branch…this was another Hitler plan….the politicians are all traitors…

  8. COCO says:

    AIDING AND ABETTING-CRIMINAL EXCEPT FOR THE BANKSTERS

  9. COCO says:

    IGNORANCE OF THE LAW IS NO EXC– USE-BUT THERE ARE NO LAWS FOR FRAUDULENT FORECLOSE AND ROBO SIGNING AND FALSE NOTARIES EVEN THOUGH THEY TOOK AN OATH. SO, I WORK FOR A COMPANY AND THEY DIRECT ME TO SIGN DOCUMENTS WITH A FRAUDULENT SIGNATURE. LOOKS LIKE I WON’T BE IN TROUBLE AND CAN COLLECT A BUMP UP IN SALARY. GOOD DEAL.

    • lvent says:

      There are laws that are in place…robosigning is forgery….fraud and altering of documents are considered forgery in my state. Forgery is a class three felony in Illinois. Interstate fraud is racketeering…like how the loan originator, first midwest bank, fraudulently transferred the mortgage and note to a debt collector down in Florida by the name of bayview llc….after the fraudclosure was filed…….bayview recorded 4 assignments with 2 of the assignments notarized out of state….and in the fourth assignment they reconveyed the mortgage and note back to first Midwest….all of this is fraud. Racketeering, deceptive practices, unfair dealing you name it…its all in there in plain site…and they forged my name on the note..I did not sign the note…,there is a lot more fraud than that but the bottom line is the originator obviously does not have the proper paperwork to be granted a foreclosure and that is why they are racketeering with bayview ….trying to create a chain of title they do not have…this property has been in foreclosure for 2 years now …….they are all committing federal crimes in civil court, the bank, their attorneys, aronberg goldgehn and garisma, and the servicer/debt collector bayview.

      • wendy says:

        oh my! I’m dealing with Bayview and I’m so mad I told the lady that they haven’t responded to my qualified written request. She didn’t even know about it and then she got right on it and got it back to me on the 20th business day. But they didn’t send me any proof and the funny thing is my rude “assett manager” with Bayview told me how there is a foreclosure date. I didn’t tell her that it was from Nationstar, my previous lender and servicer. I asked her, “who is foreclosing?” she said, “we are.” I said, who is “we” and she kept saying we are foreclosing if you don’t get your documents in for a possible loan modification. I already have a sell date feb 9th, but it isn’t from Bayview, it’s from the previous lender. Can Bayview legally piggyback on the foreclosure of a servicer that doesn’t have anything to do with my loan anymore? I called the previous servicer and they said they are not foreclosing and they don’t have my loan anymore. I just don’t know where to go to stop it though. but i’m sleeping very very very little and trying to figure it all out. I don’t want to fill out the loan mod paperwork for a 8th time. They either lose it, sell the loan and have you apply again or deny it. so what’s the use? I got a loan mod 3 years ago or 2 plus years ago and 5 months later they were raising the monthly payments because the loan was adjusting. what a joke!

  10. macy says:

    Can someone please clear something up for me. Are we talking about forged signatures on assignments only?
    Is that the true meaning of “robo-signing”?
    Or are there cases of forging an endorsement signature from the original lender to the servicer or trustee?
    If there are cases of forged signatures of the ORIGINAL LENDERS President or VIce President please post links regarding that. I am looking for any articles or cases where there is an Original Lenders forged signature on an endorsement.
    Thank you : )

    • wendy says:

      I have an obviously forged signature of original lender, that is if Centex home loans counts as the original. And it goes on from there too. email me where you want me to email it to you. I have a foreclosure date of feb 9th, 2012 and there’s fraud all over it. Me an my big mouth though, I told the servicer what they didn’t know and then she replied to my qualified written request. But she lied about when it was done and how it should be on its way. Also, the foreclosure date and Notice of Default are from a trustee in the name of my last lender and servicer, not the current one. I have to act quickly. And there are obvious forgery of signatures all over and all down the chain.

  11. neidermeyer says:

    WHEW! I’m glad we have some worthless puke law professor at Nova Southeastern decide this … Now I can go to my local Benz dealer pick out that sweet E Class diesel and have the finance officer there sign a “Linda Grene” for me on behalf of the banks loan officer because his job is to make loans and according to Robert Jarvis that makes everything A-OK.

    Thanks !

    • Beth A. says:

      OMG – that is funny. I wonder what would happen if the US Citizens declared it “Linda Greene Day” or “Robo Day” and we all signed loan docs, etc. in names other than our own.

  12. John says:

    Submitting a false report or document to a federally insured bank is a federal felony no matter what that document is. It is punishable by 30 years in Federal prison for each document.
    Others have gone to prison, why not these people?

    • COCO says:

      THEY ARE NOT SUBMITTING FRAUDULENT DOCUMENTS TO THE BANK-THE BANKS AND THEIR ATTORNEYS ARE SUBMITTING THEM TO THE COURTS. THE BANKS ARE THE ONES SUBMITTING THE FRAUDULENT DOCUMENTS AS ARE THE SERVICERS FOR THE BANKS. IT IS A COVER UP. HOWEVER, SUBMITTING FRAUDULENT DOCUMENTS THROUGH THE MAIL IS A FEDERAL OFFENSE, SAVE YOUR ENVELOPES AND POSTMARKS SHOWING HOW YOU HAVE RECEIVED FRAUDULENT DOCUMENTS THROUGH THE MAIL. THE FBI WILL INVESTIGATE-THAT IS A FEDERAL CRIME. SOME ATTORNEYS ARE SMART ENOUGH TO SEND FEDEX BUT NOT MANY.

  13. northlight says:

    No one has ever thought that the actual signers were at fault, but the conspiracy and fraud of the companies having them do it, that’s a different…ah. yes, that’s quite a different story.

    It’s just a diversion and slight of hand.

    I guess if you pay anyone enough, they will say what you want.

  14. Has it not been the law that if you are associated or an accomplice to a crime weither you know it or not you are accountable for the crime? In the 42USC1963 statutes it states defendants, their employees, volunteers, and contracted parties. I think that covers it.

    • northlight says:

      exactly, but these are people keeping their jobs.

      It’s no different than the slimes that keep buying foreclosed homes under the guise of a great opportunity.

      Would rather see them strung up.

      What would happen if everyone pledged (or they were shunned) for buying these homes…wow, maybe banks would stuck with them all. .. or if no one used credit for a few months…bring them to their knees. It almost happened about two years ago, when everyone was so scared that no one signed for credit.

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