“State court judges are public servants, not rulers.”
~
Another reason to GET ON THE BUS!
SB 428: Fired Judges Employment and Popular Vote Nullification Act of 2011 Filed in Florida Senate
The 2010 elections were a wakeup call for members of the Florida political elite who both enjoy being in the ruling class and hate the uncertainties of democracy. Some are beginning to devise ways to push back against the popular will when it comes to deciding who is or is not suited to remain on the bench.
Let’s put this in perspective: Imagine that the you and the majority of the voters in a democratic election choose to fire and replace a sitting state trial court judge, appellate court judge, or a supreme court justice as being unfit to serve on the bench any longer. Then imagine that a short time later you and everyone else who voted the same way you did learn that the person you and the majority rejected as not fit to serve on the bench is in fact back on the bench judging cases. Incredibly, this is exactly what could happen if Senate Bill (SB) 428 becomes law.
Check out the rest here…
~
I, as many others, applied several times for a loan modification. Turned down numerous times and told to reapply and keep trying. We could not sell our home either, the market was completely flat. Due to the depreciation of our value, we could not refinance as the home did not appraise. We were current on our payments as well as our credit was still good. The problem was we were running out of savings to supplement the mortgage each month.
My experience with this HAMP process leads me to believe that they were fraudulent programs not designed to help the homeowner, but to add more blood money in the banks pockets. I do not believe that there is any way possible that the government could not have known this.
Suddenly in January 2010, we were told that “low and behold” there was a new refinance program under the HAMP program that we qualified for. It was specifically for Fannie Mae properties and homeowners current on their mortgages. It was called the “O’bama” fast track refi and did not require an appraisal. We were told that this would really help us by lowering our payments a few hundred a month and we would then be fine and dandy……Right….shoulda known better right then and not walked but rather ran the opposite direction.
This refinance cost us over $10,000 in points and fees (there were no escrows we paid our own each year).
The interest rate we paid 2.5 points on was higher than the outside market rate with no points. However, it did lower our payments which helped us temporarily. They changed the terms and fees numerous times until we received the closing documents a few hours before closing which took place very late at night at our home. The closing docs were printed out by the title attorney so we never got to compare the docs we received by Fed\EX to what we actually signed.
Bank of America had ffilled out the loan application. The inflated the value of our homes by $80,000 as well as inflated our income for which we provided tax returns to prove what we earned. When I sat down and did an audit of my loan application, our front ratio was 45% and the back ratio was 85%. Clearly a loan we could not sustain for any serious length of time. However, for two years they required we keep re-applying so they knew how much we had left in savings. So the big question…why was it pushed through and approved. Why was it a requirement to be delinquent in payments to get a “true” modification. Here are the reasons from my perspective:
l. They did not make as much money on the modifications as a refinance. In addition to what we paid for the refianance, they also received $1,500 in TARP funds.
2. Our original mortgage was a MERS and they wanted rid of that as the MERS litigation was coming to the forefront.
3. We have a nice home in a good location. They want to foreclose and resell it..remember they have already made the money from it once…now they will make more. Shortly after closing I received a letter from Fannie Mae saying they now owned the mortgage. I called them and was told it was sold into a pool of bonds. The weird thing is that I was told that this refinance was only available to Fannie Mae owned loans back from the start of the refinance process and was told that it was a Fannie Mae originally. None of it makes a lick of sense except that it is riddled with lies, fraud and deceit for monetary gain on their part. The government is in it up to their elbows and I won’t believe otherwise.
Get rid of these programs as all they are doing is adding more money in the pockets of those that just want to take your home.
Not only is the bankster fraud….it is government fraud.
The Judge on my case has changed THREE TIMES in 2 years.
Some retired-some just fed up with the system-some not re-elected, most of the Judges are waiting to see results of Higher Courts- killing time while passing the buck.
The Florida Supreme Court and the UNITED STATES SUPREME COURT may as well prepare their Clerks
and Dockets for another sunami wave of suits from Plaintiffs & Defendants, Banks suing Banks and last but not least Investors.
Congress should get off their ASSETTS and take immediate action before demolishing HAMP, even though it was a failure-FIX IT. THANK GOD I DID NOT QUALIFY FOR HAMP or HOPE or their other JOKE programs.
I did not qualify because my MORTGAGE IS UNQUALIFIED/FRAUD. This program REQUIRED PEOPLE TO BE DELIQUENT ON THEIR MORTGAGES which escalated the FORECLOSURE PROCESS.
If the Banks & Servicers followed the existing rules and guidelines perhaps HAMP would have worked. Congress creates all these programs, Oversight Committees (after the fact) but never ENFORCES THEIR OWN RULES AND REGS !
Where will all the HAMP FUNDS end up ? I have even less faith in our STATE ATTORNEY “SETTLEMENTS”
This is strange not only because it overrides voters, but because it seems to recognize that judges who are not active judges as defined under the FL Constitution are just that; non-judges. But we’ve been using them, a lot, haven’t we? If they’re not judges unless a law like this is passed — if they didn’t actually have jurisdiction to judge — then what about all those cases they’ve slammed their gavels on .. and so quickly. And what about accountability for the rest of the judiciary — charged to uphold the law — as non-judges went about their business?
Haven’t you noticed lately judges have been throwing out alot of laws voted on by the people like our votes dont mean swat any more. so what do you think theywill do about this, when the judges didnt even have the jurisdiction to judge? par for the course , override the voters again