What I meant to say was the fact they never recorded any notes made the whole contract phony and fraudulent/illegal. There was fraud committed before that but the separation of mortgage and note is what I believe to be the foreclosure detonator. How could they even sell these loans to anyone and secure anything when they never took the first step and secured their collateral lien at the recorders office by recording the mortgage and the NOTE and assigning it to the DEED. The only proof the note ever existed is a copy? A COPY OF A NOTE proves nothing. If the note was never recorded, they could alter that doc and we have nothing to compare it to because we all got endorsements in blank. Where is the UNDENIABLE PROOF YOU SIGNED THAT NOTE ? ANYONE COULD PRODUCE A COPY OF A NOTE AND ATTACH THEMSELVES WITH A FAKE ALLONGE AND A FRAUDULENT ASSIGNMENT AND SAY YOU OWE THEM MONEY. YOU CAN GO TO DOCSTOCS AND GET AN ALLONGE WITH ANY BANKSTERS SIGNATURE ON IT THAT YOU WOULD LIKE. .THIS WILL SOON BE CHAOS. THERE IS NOT FIXING THIS.

> To add, the PHONY LOAN MODS can only be performed by the LENDER, and we don’t know them? To add. BEWARE, as the LOAN MOD will extinquish your rights to SUE. Watch Out America! No good can come from a LOAN MOD. You will still have FRAUDULENT DOCUMENTS for the lifetime of that property..<

I received info about supposed loan modifications from two different mortgages servicers…. despite the fact that I never received a signed offer to modify a loan, much less had the opportunity to negotiate any terms with the "owner/holder" of my note. The first mortgage servicer, Saxon, said I "qualified" subject to a series of "trial payments." After two so-called "trial payments" my note was quickly moved to loan servicer Ocwen, who disavowed know of any loan modification or trial payments.

Ocwen then started a never-ending process of asking for and "losing" documents until I refused to continue "acting" like they were honorable (HA!) "representatives" of the "Lender" or the "Investor." After sending my "first" …and last "trial payment to Ocwen" to avoid foreclosure, they stopped the auction sale to "deposit my check," but immedieatly refused my demand that all correspondance from them to me had to be accompanied by documents that are actually signed by an officer of Ocwen, or the "Lender" and/or the "investor." They immediately began foreclosure actions again…. I BK'd and was granted an automatice stay of foreclosure. Undeterred, they auctioned my home "on (their) schedule" and two weeks later (after I let them know I was going to report them to the GA bar, I received an e-mail from their attorney letting me know that he had not "actually completed the auctions" though I was present at the courthouse steps when it occurred.

It's not over until it's over…..

To my shame, I remitted a total of three payments of money towards 3 "trial payments" to two mortgage servicing companies. They are not "mortgage servicing companies"! I worked in the collection department of a "real" mortgage servicer. There is a difference between a collections department of a real mortgage servicer and a "collections agency" posing as a loan servicer.

Now, I've received another unsigned notification from Ocwen saying I did not qualify for a loan mod because I filed for BK. I filed against no creditors but the "pretender-lender/"mortgage servicer,: and the "investor". I did so just to get the attention of someone other than Ocwen who make promises that are lies and refuse to back up their "promises" with authorized signatures.

Now…. based upon the earlier poster's comment, I ask:

Is the next step in this on-going, systemic fraud the creation of fraudulent loan modification "agreements" with or without fraudulent signatures of duly and legally authorized corporate officials of "lenders," "mortgage servicers," "Trustees," or "investors"?

To "back up" these fraudlent loan mods (that will prevent me from suing,) will my own signature be digitally "cut" from the "lost documents" I submitted and then "pasted" into digital "agreements" I never authorized to create a forged document I never signed with "wet ink"?

And again, will this "new tactic" prevent me from suing anyone to absolve myself, my credit, and reputation from this sorrid mess?