I LIVE IN VIRGINIA BEACH, VIRGINIA, A NON-JUDICIAL STATE. (I’m not an attorney, just “things to do” from the internet.) HERE ARE A FEW THINGS I HAVE DONE…

BY REGISTERED MAIL (or any service that provides a signed receipt of your letter) send a “QUALIFIED WRITTEN REQUEST” under Section 6 of RESPA , the Real Estate Settlement Procedures Act, TO “PRODUCE THE NOTE”, (look on YouTube “Produce the Note” for the correct way to write). If they can not produce the note, EACH TIME THEY THREATED YOU WITH FORECLOSURE, continue to send a Q.W.REQUEST DEMANDING THEY PRODUCE YOUR NOTE. They are required to acknowledge your request within 20 business days and must try to resolve the issue within 60 business days. Another dispute to their notice to foreclose, send a Q. W. REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER” “AUTHENTICATE THE NOTARY , THE NOTARY SEAL AND THE NOTARY SIGNATURES. Another dispute to their notice of foreclosure, ALL DOCUMENTS, STATEMENTS, CORRESPONDENCE, all assignments, transfers, or other document evidencing a transfer, sale or assignment of my mortgage, deed of trust, promissory note or other document … this is just number 1 of 20…contact me, Rita @ 757-427-0075 and I can fax you my copy, or look online. Also, (“FERA”, HP128, LD145 an ACT to Protect Homeowners subject to Foreclosure by REQUIRING THE FORECLOSING ENTITY TO PROVIDE THE COURT WITH ORIGINAL DOCUMENTS…

FILE A CIVIL ACTION, A LAWSUIT AGAINST EVERY & EVERY ENTITY THAT HAD ANYTHING TO DO WITH YOUR LOAN. EACH ENTITY HAS TO FILE, WITH THE COURT, DOCUMENTING WHY THEY THINK YOU SHOULD NOT SUE THEM, WHICH COSTS THEM $$$. SUIT FOR ANYTHING YOU FEEL IS OR WAS WRONG, FALSE, UNFAIR, DECEIPTIVE, UNCLEAR, MISLEADING FROM PHONE CALLS, CONVERSATIONS, CORRESPONDENCES, STATEMENTS, NOTICES, ANY DOCUMENTS, ANY THING ANYONE SAID OR DID.
FROM THE FIRST INITIAL CONTACT, TO PRESENT (whether it was by mail, phone, fax, door to door, the internet, etc.) . Do not forget to look thru you CLOSING DOCUMENTS, the lender is responsible for YOU UNDERSTANDING EVERY WORD, what it means, and what you have obligated yourself to for the next 30 to 50 years! What happens with payments, fees, early payoff, late payments, do the rates change? etc.). Make sure you check your CREDIT REPORTS, FOR FALSE REPORTING, from the amount they report that you owe, which reflexs on the DEBT TO INCOME RATIO, payments you’ve made, payments missed, etc. Ruining your credit is how they ruin your life!!! If you can not afford to pay to file your lawsuit, have the “‘state” pay for you, they will also furnish “free” legal help. IT’S A COUPLE HUNDRED DOLLARS, (I paid $325.00 in the U.S. DISTRICT COURT). THE STATUTE OF LIMITATIONS FOR BRINGING A MORTGAGE FRAUD CLAIM HAS BEEN EXTENDED FROM 5 YEARS TO 10 YEARS ACCORDING TO (FERA) “The Fraud Enforcement and Recovery Act of 2009”.

I filed a Lawsuit, WITH THE UNITED STATES DISTRICT COURT FOR ONLY ONE (1) VIOLATION of the TRUTH & LENDING ACT. Although, they have stolen my whole world with almost every violation possible for them to commit against me, I have all orginial documentation for proof. I am hoping to be able to introduce into my case, since I was able to get a TRIAL DATE (of October 18, 2011).

PUT A MECHANIC’S LIEN ON YOUR HOME…If you have had ANY work done to your home, or you have done ANY of the work on your home. Make sure you record it at your local courthouse before the lender forecloses on you. If you home is auctioned off or foreclosed the buyer / lender has to pay off the lien, to get “Clear Title of your home”.

The State/IRS said I owed them taxes, which I refused to pay, having a TAX LIEN PUT ON MY HOME, because it was the ONLY “insurance”, against Wachovia/Wells Fargo stealing my home, they are not going to PAY REAL MONEY, TO GET a CLEAR TITLE!

GET ‘QUIET TITLE”, I think is the right name. Look into it.

IF YOU DO ANY OF THE ABOVE, FILE / RECORD A “MEMORANDUM OF LIS PENDENS”. This is a document which states (proves), there is pending action involving your property and the property can not be sold…

Even with my lawsuit against my lender Wachovia/Wells Fargo since Nov. 20, 2009 with a Trial Date 5 months from NOW, Oct. 18, 2011, all the above liens, a recorded “Memorandum of Lis Pendens”, documented proof the lender is UNABLE TO PRODUCE THE NOTE, which they documented, in writing, to me, answering my qualified written requests, approx. 10 times for over 3 years. Confirmed receipt of my “cancellation of the Loan”, THEY STILL AUCTIONED MY HOME TO THEMSELVES FOR LESS THAN HALF OF WHAT THEY SAID I OWED THEM!!! I CALLED THE POLICE AND TOLD THEM, “I WILL SHOT ANYONE WHO PUTS A FOOT ON MY PROPERTY, EXCEPT OF COURSE, THE SHERIFF, WHO BETTER HAVE PROOF OF CLEAR TITLE, AND THE NAME OF THE LYING THIEF THAT WORKS IN THE REAL ESTATE RECORDS OFFICE, RESPONSIBLE FOR PROVIDING THE FRAUDULENT CLEAR TITLE”. That was August 18, 2010. I am still living in MY home, not living, just breathin’ and fightin’, having over 3 million dollars stolen by these conspirators, they continue lying to ruin my credit, losing my commercial flooring business. I started installing floors & wallpaper “1986”. Taking my family’s financial security/real estate investments, a 9-unit apartment building I rented to “section 8”, a duplex for a lifelong friend, a quadrapalegic, the very small house I lived & worked out of since “1995” going from $500.00 in the bank to over 2.3 million in paid assets, stealing my son’s education, and my retirement. I have spent the last 6 yrs. trying to fight 2 fraudulent mortgage loans (4 loans including Purchase Money Loan June 30, 2004) being flipped by World Savings/Wachovia, then after making the first payment on my refinanced “rescue” high interest mort. loan, being flipped back to WACHOVIA/WellsFargo/Peoples Choice Home Loans/Specialized Loan Servicing(S.L.S.). NO ONE HAS BEEN SHOT, YET…

If you can provide legal representation, paid when we win my case(s), please contact Rita Cheche (757)427-0075

THE LAW!!!

It’s fava. But, whatever you call it, this is b.s.

If the dumb bastards would just go after these Banksters for all of the money that they avoided paying to the clerk and recorders office in each of their counties by using MERS then thier little county piggy banks would be overflowing with revenue once again.

It is just amazing how stupid these people really are, just amazing………………..

@rictic. Me too, but I’ll take some pinot noir! I don’t think there would be enough pieces of “the Tasmanian Devil” (as Mandelman wrote in his article – hilarious by the way) to go around. That might do me in…breaking my first campaign promise.