Shame the Banks – Tell YOUR Story at

4closureFraud teams up with Shame the Banks. Go tell YOUR story and encourage others to do so as well. Together we can do more… This is a call to action. We are asking YOU to tell everyone you know – through e-mail, on facebook, twitter or other social media feeds, or through writing or calling … Read more

What Happens to Household Formation in a Recession

The present economic downturn has been, by many measures, the most severe since the Great Depression.  The housing market has been buffeted by large declines in real house prices, caused in part by the collapse of the housing finance system and by continued job losses. While the difficulties in the housing market are nationwide, some … Read more

Florida – The Face of Foreclosure

A Review of Statewide Foreclosure Filings A brief survey of news articles on foreclosures throughout the state of Florida is likely to leave one overwhelmed with potentially conflicting figures. In fact, many Floridians would probably not be surprised to read an article published by a major media outlet describing plummeting foreclosure rates one minute, and … Read more

Hamp “Improvements” – Making Home Affordable Program Enhancements to Offer More Help for Homeowners

Today (Friday March 26th) the Administration announced enhancements to the Home Affordable Modification Program (HAMP) to provide additional resources for struggling homeowners.  These changes will provide temporary mortgage assistance to some unemployed homeowners, encourage servicers to write-down mortgage debt as part of a HAMP modification, allow more borrowers to qualify for modification through HAMP, and … Read more

Full Deposition of the Infamous Erica Johnson Seck Now Available for Download and Printing

Here’s to all the requests. Screen might  freeze for a few but be patient. Takes a bit to load. Enjoy… 4closureFraud Full Deposition of the Infamous Erica Johnson Seck [scribd id=22580737 key=key-2og35304ydb6duehczv mode=list]

JPMORGAN HAMP FAIL: 200,000 HAMP Mods offered, Only 2% Permanent?

JPMORGAN HAMP FAIL: 200,000 HAMP Mods offered, Only 2% Permanent? Here is the presentation from JPMorgan Chase yesterday, Dec, 8, 2009 at the Goldman Sachs Financial Services Conference… Page 18 in the presentation shows the progress of the various modification programs at JPM Chase. Only 2% HAMP trial modification have become permanent (4,302 of 199,033 … Read more


“These cases encourage debtors and other parties to defensively use the mortgage securitization servicing system to prohibit servicers and other non-lending parties from enforcing rights under a mortgage. This trend, if it continues, may have significant impacts for consumer-debtor lawyers, as well as law firms that enforce mortgages and participated in mortgage loan securitization.” “A … Read more

This Judge “Gets It” Indymac Bank F.S.B. v Yano-Horoski

Indymac Bank F.S.B. v Yano-Horoski “Upon the Court’s own motion, it is ORDERED that the Adjustable Rate Note in the amount of $ 292,500.00 dated August 4, 2004 made by Diana J. Yano-Horoski in favor of IndyMac Bank F.S.B. shall be and the same is hereby cancelled, voided, avoided, nullified, set aside and is of … Read more