“Joseph Stalin, the grotesque mass murderer, had the answer: ”A single death is a tragedy; a million deaths is a statistic.” Rather than prove Stalin right yet again, law enforcers need to take this mortgage industry’s systematic disdain for our legal system seriously. Bring on the indictments.“
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The American Home Servicing lawsuit against consummate and prolific robosigner Lender Processing Services is a pretty good read, but if you don’t have the time, I’ve highlighted the best nuggets.
Page 1: American Home Servicing Inc. says that over 30,000 assignments of mortgage in Texas and across America are fraudulent—“improperly executed, notarized and recorded”.
Page 2: American Home renames robosigners “Special Officers” to suggest the robosigners were legitimately signing the assignments of mortgages.
The problem with the concept of Special Officer is that the robosigner’s title on the assignment of mortgage was generally “Vice President”, “Assistant Vice President” or “Assistant Secretary”, all normal corporate officer titles. That is, nothing in the robosigner’s title indicated he or she was a “Special Officer.” And in this context that omission seems deeply deceptive to me. Seems to me the court and the homeowner are supposed to look at the assignment and think a normal Vice President, Assistant Vice President, or Assistant Secretary signed it. Otherwise why not simply have the robosigners sign as “Special Officers”?
Further down page two, American Home says the reason the 30,000+ assignments of mortgage were fraudulent is that LPS used fake robosigners. That is, instead of using the “Special Officers”, LPS had other people forge the “Special Officers” names. The forgers, American Home points out, were not authorized by it.
American Home concludes that the forged robosigned assignments of mortgage have cost it dearly. Part of the cost is “an extensive remediation effort to identify and, where necessary, remedy any surrogate-signed assignments of mortgage.” Get that? American Home is only replacing fake robosigned documents it says are fraudulent “where necessary.”
Check out the breakdown of the rest of the pages here…
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Quiet Title removes any claims on Title and you survive all claims, as the legal holder of the property. Any security interest like a Deed of Trust (judicial states) or a Security Deed (non-judicial states) is removed from the file and no power of sale exists any longer to any lien-holder, in other words all security interest is dissolved; it’s yours. What attorney goofed, comparing this to bankrupcy? Don’t hire him!
Quiet Title Actions should be filed as soon as you get the Notice of Default. Banksters abandon foreclosure procedings when a borrower poses a credible threat, most of the time. Quiet Title is ordered by the judge in the case, when you prove they have an un-perfected lien, and the county removes the bogus liens from the file.
Remember that it was AIG or som large insurance companyies that were first baled out since if they were not then all hell would have been unleashed all at once on us…they knew wat was coming with the fraudulent forecclosures so they had to protect the banksters first with the stimulus to the insurance…go figure…
If anyone has a Bankers Trust /Deutsche for or FKA Bankers Trust…dont fall for it…check out when they bought over bankers trust and what ws the situation with bankers trust at the time…in other words, they do not have and never had notes or proper assignments…
Check out your assignment…some say assignmentn of mortgage, some say assignment of an instrument ( a mortgage is an instrument) does any say assignment of a negotiable instrument? IF only the mortgage is assigned then they never or do not have the note assigned with that mortgage…bifurcation…seperating the mortgage from the note..the mortgage is worthless without the note…no standing for a law suit…
This post is to IVENT, in particular, but for all of you to read. I am webnova@aol.com for any of you who want to comment. First, I will tell you I am fighting the good fight. I have not paid my mortgage in over 3 years for all the reasons Ivent and others have wrote and continue to write about. I have talked to a number of attorneys, some who do not get it and some who really understand. We write countless posts and comment, all of which are true and to the point. I have seen first hand of what has and what is taking place. I am one of those who have talked till I am “red, white and BLUE in the Face”. No one but no one can dispute me nor can they win any argument with me on this matter and in fact they walk away with either convinced or at the very least with thought of what is actually going on. But this does not help, not one iota, zilch, Zero, NATTA. With fingers sore, eyes tired with bloodshot, and thoughts of everything going through my head, I have written to wee hours in the morning on this subject. But what has actually happened? Nothing !! Oh sure we have those who will agree and compliment us on our writings and we have those who want to antagonize us and call us names. But, What happens ….. NOTHING.
I can talk about the Federal Task Force that went to Chicago to investigate the Foreclosures and then on to Phoenix and did the same. This was over 2 years ago. I can tell you I have talked with one of the attorneys back then, who was fortuned enough to be invited behind the close doors. He knew enough about all of this, that he wrote an entire summary on this in order to bring this to court yet he didn’t. Why you might ask …. Because he knew he did not have enough money to fight it. He even took it to a law firm who was well known and has a lot of money, and they agreed with him on his standings. They told him it was brilliant, yet they would not help him, because they understood at the time (2 years ago) that the banks had more money then they did and they knew the banks would take it all and stretch it out till they were to old to continue to fight it. In the end they would win. That was two years ago. So lets look at all of this …. The Government knows, Congress and Senators know, Most Federal Judges, FBI, Secret Service, Know. THEY ALL KNOW ….. but only a some of us like Ivent, myself, writers like Abigail Fields and a host of others know … Why is it not getting anywhere …. Why are indictments not coming and why are foreclosures continuing? Why did Warren Buffet give 5 billion to Bank of America? Why did President Bush give out the Forgiving Law just before he left office. I believe Ivent has come to the reasonable conclusion that it is in the “New World Order” or is it? Right now I have more questions then answers and I don’t have enough money or time to do any justice with all of this. Those who have all the time in the world and money don’t need to care about it. So where does that leave us? Unless we organize completely it is just going to be a post on the comment section of articles such as this. I am not the one, at least I don’t think so, I don’t have the skills to formulate an organization large enough to fight this. I am not well known, nor do I have the media’s attention. Do we need someone of this stature? I believe so. So if someone can step foreward and start something on a Grande Scale I will be right next to them. I am a Vietnam Veteran and I turn 60 next month, I still have fight left in me but I will be honest it is slowly going down hill ….. I am so frustrated and I get more and more frustrated the more and more I learn. Just think …. 3 years ago ,, I did not know one thing about any of this. To all …. Keep up the good fight … Keep up the talk and writtings …. for I do believe the earthquake in Virgina was the Founding Fathers Rolling Over in their Graves. I am tired right now and I will write more later.
Wayne, It is good to share your feelings…and….the NEW WORLD ORDER, THE ILLUMINATI, THE BRITISH CROWN, THE ADMINISTRATION, THE FREE MASONS AND THE VATICAN ARE ALL IN IT TOGETHER…..THERE ARE OTHERS ………..THE ROCKEFELLERS, THE ROTHSCHILDS AND THE BUSH CRIME FAMILY ALL CULPABLE. AND DO NOT BELIEVE FOR A SECOND THAT CHENEY, BUSH AND CONSPIRATORES DID NOT BRING DOWN THE TWIN TOWERS. EVERYBODY NEEDS TO WAKE UP AND ABOUT 70% ARE ASLEEP AND WILL NOT LEAVE THEIR COMFORT ZONE!
THERE HAVE ALSO BEEN REPORTS OF A MOHAMMED ATTAH…….LIVING AT AN AIR FORCE BASE ON THE FLORIDA PANHANDLE!
I read they hid Hitler away in Montana….One never knows…
Everyone should examine the BBC live broadcast on 9/11…..while they reported the felling of bldg 7……..in the background, the building was still standing intact!!!!!!!!!!!!!! ABSOLUTE PROOF THAT THE CROWN KNEW EXPLOSIVES HAD BEEN PLANTED!!!!! But like mad dogs and Englishmen do, the british media reported the collapse before it happened!(like a BENNY HILL comedy….just not funny!
Wayne, I have not paid any mortgage since 2008 when fraudulent foreclosure was served on me…I was not late with any payments…go figure…
SO I fought Pro Se until the newreplacement judge refused to hear my motion to adddress the case, said go get an attorney…so I did…the case has since been dismissed without prejudice…but it is the second time in almost 20 years it was dismissed without prejudice by the same plaintiffs…the second dismissal was by the adminstrative judge…
I am not a deadbeat borrower…owned my loan since 1997…and did pay advanced principal…and now pay my own insurance and taxes…the bankstes has not sent me any bills since 2008…and since then the servicing has been transferred from homecomings to GMAC…and the plaintiff was Deutsche…
SInce then GMAC sent info about forced insurance…so according tothem they are paying and they do not know that i am paying my own policies…imagine…and I pay my own taxes…
I do not feel guilty about this…my signature created for them millions of dollars and even though their foreclosure mill attorney years later after the lawsuit filed an alleged original note that to date I have been unablle to review…go figure…then perhaps one day the bank may decide to use that still recorded alleged note and request it back rom the judge…technically creating a new note…but I have some ammunition for them if and when they do…if I dont go and claim it myself…
I have also recorded my homestead according to the contitution to protect it against such people…
I amu rallying for all states to be judicial foreclosuur states…and esp Florida to remain as it is…
I serve a God that does not sleep nor slumber…trust Him all of you…if not you will continue to be more frustrated and feel more hopeless…I have hope and am encourage to read and listen to all that is being exposed so far…dont give up…dont give in…am always on the alert.. am seriously thinking of filing a lawsuit for damages and other financial losses due to all this and for quiet title…my attorney thinks I should wait…but…
I see that while we wait the banksters and the lawmakers are checking out every avenue to see how they can rectifiy the crimes legally…perhaps we should just file counter suits for those who apply and new law suits for those who are wating….you thoughts are much appreciate here…
Wayne,,,I wish you all the best…keep us updated…
I forgot to mention that I also have robosigner assignments…so safeguard all your docs…
Right on Nora!!!! The sheeple have to wake up before it is too late……no one is safe from this tyranny!!!!!
No that was the HAARP array at work in VA, not the founding fathers rolling over.
To Tell The Truth got it right! The reason this suit is a bombshell is that it proves securitization NEVER HAPPENED! All the mortgages were null and void at signing. The Note never attached the Deed, so the whole thing is unsecured debt, and therefore unenforceable. Proving it in court is another matter, however. Without that “proprietary” document, the Assumption and Assignment Agreement between Chase and the investors, showing that they were selling forward, we will not convince any judge.
We’ll need evidence that the funding for the loan was arranged for under a standing agreement with investors who received a percentage interest and a bond before the “loans” originated. But when we do get it, that will be the end of the banksters foreclosing on anybody. 400,000,000 mortgagors will file quiet title actions and sue for punitive damages and many will pursue criminal charges of fraud, tort, racketeering, TILA violations, RESPA, theft by conversion, accounting fraud, insurance fraud, and the one I personally love, CRIMINAL TRESSPASS! Wait ’till you see the look on Barbara Hindman’s face when she gets arrested for authorizing LPS Field Services to break into our homes! I say we start up a fund with ten dollar donations each, to entice a whistleblower to hand over those documents! Who wants to go first?
Rob, that bankster families are the Illuminati.They are the tentacles of the Vatican……The Illuminati are the perps and they control Media, Finance, Government, Law and Education…
Bush, Cheney and Co. all got enormously wealthy from 9/11 but could not have prevented it….This Hitler Plan by the ruling elite had already gone way too far and was very well planned and orchestrated………The Black Pope is said to be who really runs the world and ordered the JFK assassination and 9/11. This Hitler Plan has been in the works for decades. The Zionists (fake jews) have infiltrated our Government and are working for the enemy from within America….GOOGLE IT….Google how many politicians have dual Israeli U.S. citizenships..DESPICABLE…..BIDEN ADMITTED ON CAMERA HE IS A ZIONIST……GOOGLE ZIONIST LABOR PARTY IN U.S…..THEY WOTE THE TREASONIST PATRIOT ACT IN 1996…..There are many traitors and treasonist posing as Americans working from within working toward our demise…….Rumor has it that Russia, China and Japan are among a few countries who are realy anti-NWO…..
Bottom line it is the corruption, The money and the greed, the greed and the money……and that is what the NWO order uses against us…..to acheive their evil plans for world domination…….they know that just about everyone has a price..and those who don’t they just kill….
or set up to fail…they know all of the weaknesses and they prey on those…like Elliot Spitzer….DSK and they shame them out of commission……
Bill Clinton is another example of how they get what they want……he and Hillary were under investigation for their entire presidency for one thing or another..I heard they are holding the Obama is gay thing over his head and who knows what else…These people are incredibly evil…Reagan got shot for crying out loud with Bush as the next in line…The bullet missed his heart by not much…There are no coincidences and no accidents, no lone nuts that is all a sham and a fraud…….Notice the assassins always have have 3 names……I read the 3 name thing is a mind game, that is supposed to make us “think” that is the final decision case closed….well it did not work……I read Sirhan Sirhan was a manchurian candidate and never had any memory of shooting R.FK…..there is real evil at work here and there is real evil in this world…..
I vent…I think Rob was just trying to explain to Wayne a quick run over of who was involved…not a complete description or placement…or in order…that would give Wayne and others info to google or search.
But with Bush and Cheney….they knew before hand….of the Towers…Hey, Bush sitting a few miles from my house in a youngsters class room listening to a story being read…That was so fake…and than he hops his plane and flies to Texas….as people are being killed in New York. Where was HomeLand Security? And if Bush and Cheney became wealthly over 9/11…wealth from who? In my eyes that would make them just as guilty as the ones who planned it…. that makes them part of the conspiracy. That would be treason for both……I am not saying you are wrong…by all means. But to have a HomeLand Security is also a fake front…it is there to keep US in place. not the terrorists out. And it could not be prevented.?…an attack on a country…and they knew who was doing it? That was to save their asses not America…..and make a fast buck at that. Grrrrrrrrrrr !! They should have closed the Towers down knowing it was planned….to save the people……flub the plot. But Bush wanted his fake war to get the oil…had to blame someone to do it.
………and by feigning war against us, thereby came the excuses to make executive decisions to attack the middle east…..now look how many wars we are conducting……IRAQ, AFGHANISTAN, PAKISTAN, my opinion…..YEMEN, LIBYA, sure, we are not involved, right?………IRAN, THE COLD SECRET, FUTURE WAR. Think about it……WHO is the true DESPOT here………..ENLIGHTENING IS IT?
Looking ip my loan I found something thta reads, “BANA CIG HFI 1ST LIENS GOV REW”. Does anyone out there have any knowledge of ehat this means? Surely would appreciate anything anyone could add, I sure at this point I need an audit, but I’ve been fighting BOA for almost three years and this wonderful site has really helped me understand much of whats going on, then I have an ansxiety attack and freeze about what to do next! Do I strike first or let them?
Love and prayers to all,
Alison
GET A GOOD LAWYER, INTERVIEW HIM TO SEE HOW MUCH KNOWLEDGE HE HAS……….THEN DECIDE, a quiet title lawsuit is not popular with the bar…in fla. at least, and is more expensive in general. But, if you win, you win big….including possible treble damages…….for you!
I had an attorney tell me that a quiet title suit is like a bankruptcy…..Now I am not a lawyer so I don’t know if this is true…
Yea Vent, In bankruptcy, as in a Quiet title suit………..EVERYTHING is broken down and taken apart for examination
Scotty-your NOTE & Mortgage, like millions of us was probably Securitized and Traded on Wall Street.
Ivent is right-they are traded/ sold many many times-into Different Trust Accounts. Some eople are paying 2-3 thousand dollars for professional to search SEC (Securities Exchange Commission) EDGAR files to reveal what trust their Mortgage/NOTE is in.
Does your County have a website? Either search your County Clerk of Court Records on the internet or go in person & speak with your Clerk of Court.
I sent you the MERS & FANNIE sites to LEARN FROM-but like IVENT says DO NOT TRUST THEM-DO NOT TRUST THE BANKS OR YOUR SERVICER ! THEY ARE LYING
Yes !! you have some fraudulent Documents too ! FAKE SIGNATURES ! FAKE NOTARY Stamps & Dates”.
to prove that they are forged -fake -Robo-signatures- it takes an Affidavit from a Forensic Auditor.
It is all a huge scam, I have been fighting for THREE YEARS and my Atty. is doing a great job-
my case in IN DISMISSAL stage….. NEVER GIVE UP
As you probably know woodknot they were SOLD AS SECURITIES but, they were SECURED TO NOTHING……THEY COMMITTED MASSIVE SECURITIES FRAUD…..among many other FRAUDS by using widley deceptive practices and unfair dealing………on the BORROWER…….It started at the ORIGINATION with the FRAUDULENT INDUCEMENT , they NEVER LENT YOU ANY MONEY………Then came the SECURITIES FRAUD BACKED BY ZERO AND MASSIVE COLLATERAL FRAUD which lead to FRAUDULENT PLACEMENTS and DERIVATIVES FRAUD…40 TRILLION IN COLLATERAL FRAUD. THEY SOLD AN INTEREST IN OUR ABILITY TO PAY TO INVESTORS AROUND THE GLOBE VIA WALL STREET WHO PACKAGED UP THE PIGS AND CRAP AND HAD IT RATED AAA…………EXPONENTIAL FRAUD….FRAUD ON STEROIDS….AND THEY DESTROYED THE CHAIN OF TITLE TO THEMSELVES, IT WAS A COVER UP FOR ALL OF THE FRAUD AND MERS IS IN ON IT…TRUTH IS THERE NEVER WAS A LEGALLY ENFORCEABLE LIEN A/K/A AS A SECURED DEBT……..THE INVESTORS KNEW THERE WAS A SUBSTANTIAL RISK THAT IS WHY THEY TO INSURED THEMSELVES WITH CREDIT DEFAULT SWAPS INSURANCE…….
DUMPING A LOAN IN A TRUST AFTER THE PRETENDER LENDER NEVER FOLLOWED THE STRICT REQUIREMENTS OF THE PSA OR THE CONVEYANCE LAWS OF THE INDIVIDUAL STATES OR NEW YORK TRUST LAWS IN THE FIRST PLACE IS MORE FRAUD………THEY HAD MAX 90 DAYS TO DELIVER THE MORTGAGES AND ENDORSE THE NOTES OVER TO THE TRUSTS AND RECORD A PROPER ASSIGNMENT. THERE IS NO LEGAL FIX FOR WHAT THEY DID NOT DO 90 DAYS FROM THE ORIGINATION……..THESE ARE UNSECURED DEBTS AND THAT IS THE BOTTOM LINE……..THEY SHOULD BE EXTINGUISABLE IN A CHAPTER 7 BANKRUPTCY……LIKE ANY OTHER UNSECURED DEBT….OR RESCINDED WITH CLEAR TITLE BACK TO THE HOMEOWNER FOR ALL OF THEIR MASSIVE AND PERNICIOUS PONZI SCHEME MORTGAGE FRAUD……..THIS WAS A HITLER PLAN…BY THE RULING ELITE TO STEAL ALL OF THE WEALTH AND PROPERTY FROM THE AMERICAN PEOPLE…DESPICABLE…….!!!!!!!!!!!!!!
THE NOTE WAS TRADED ON WALL STREET……BUT I’LL TAKE ALL BETS AT ANY ODDS, THAT THERE WAS NO SECURITIZATION!
The note says it was made to SunTrust Mortgage and MERS assigned the mortgage on may 10, 2011 to Suntrust Mortgage just before thay started to foreclose on us. We have looked up our mortgage and have several letters from Fannie Mae that states they own the mortgage.
YEA SCOTTY, FANNY CLAIMS THEY OWN MINE TOO, BUT HAVE NOT COME UP WITH ANY OF THE 21 INTERROGATORIES FOR DISCOVERY. I HAVE A HEARING COMING UP FOR DISMISSAL FOR THE 4TH TIME. I AM WINNING! GET A LAWYER AND FIGHT LIKE A PITBULL AND YOU WILL WIN! GOD BLESS.
Scotty, more likey than not your “lender” caused and illegal assignment of your Mortgage Note from the inception of the loan..See what is recorded at the Recorder of Deeds on your property. If nothing is recorded showing transfer of your note from the orignal “lender”, to whom has it now, then there are title problems and they have no right to take your home at all….Does Fannie Mae have anything recorded conveying your mortgage loan to them? A mortgage recorded is not an assignment and not a secured lien…. MERS does not buy mortgage loans…….Fight the good fight and make them prove the entire chain of title from origination..They can’t and If the loan was ever in MERS that is a cloud on the title because MERS owns no loans….The Origination Fraud, the fact that they never delivered the endorsed notes to the trusts in the 90 days after closing is what secured the collateral for the loan and the PSA REQUIRES THAT BE DONE, THAT IS THE SECURITIZATION..THAT IS THE PERFECTION OF THE COLLATERAL LIEN……That is the real case killer as that is a fatal flaw for the banksters and can never be legally perfected at this late date…that is what they are trying to cover up with robo-signing and back dating of assignments which is also fraud and illegal…!!!!!!!
Rob..I am with you on that….I also believe there was no securitization….at least I say this with WaMu…..this outfit was king of frauds….it was a total nightmare….
OUTRAGEOUS! WAKE UP AMERICA!!
pam pig homeless
We have a SunTrust Mortgage and it says we have an Investor No. 1703966943, what is it and how do we found out? Also, Fannie Mae claims to own our mortgage we are in Chapter 13 Bankruptcy and we have a MERS assignment.
Scotty they are very deceptive liars…Is there a PROPER assignment recorded at your recorders office that says Fannie Mae owns your loan? MERS is a sham and a fraud and they don’t own anyones loan……None of these entities lent out any money…..This is all a sham and a fraud……They are trying to force you to conform to all of their fraud and lies…..The the truth is in the Origination Fraud….The fact they NEVER DELIVERED THE ENDORESED NOTES TO THE TRUSTS IN 90 DAYS AS THE PSA REQUIRES…THERE IS NO LEGAL FIX FOR THAT……..THAT IS WHAT THEY ARE DOING IN FRAUDCLOSURE COURT TO STEAL YOUR HOME THEY DO NOT OWN FOR AN UNSECURE DEBT…Truth is they destroyed ALL OF THE ORIGINAL NOTES AND MORTGAGES TO COVER UP FOR THERE COLLATERAL MORTGAGE FRAUD AND THE FACT THAT THEY MULTIPLE PLEDGES THESE NOTES TO MULTIPLE INVESTORS UP TO TEN TIMES ON ONE PROPERT AND CREATED 40 TRILLION IN COLLATERAL FRAUD BACKED BY ZERO………..THIS DEBT IS UNSUSTAINABLE BECA– USE OF WHAT THEIR PONZI SCHEME CRIMES AND NOW THEY MUST BE FORCED TO RESCIND THE FAKE LOANS AND GIVE CLEAR TITLE BACK TO THE HOMEOWNERs…….FORECLOSURES ARE ILLEGAL AND UNCONSTITUTIONAL FOR MANY REASONS AND WHAT THEY ARE DOING IS USING WHAT YOU DO NOT KNOW AGAINST YOU………THIS IS A FASCIST TYTRANNY…..
I meant to say this is a FASCIST TYRANNY!!!!!!!!
Hi Scotty Simpson-you can look up your lnfo go to these sites…
http://www.mersinc.org/homeowners or http://www.fanniemae.com/loanlookup
MERS stands for Mortgage Electronic Registration Systems-registry for 90% of all mortgages
Scotty forgot to tell you that is what put me in this mess-BOA assigned an Investor Acct. number and told me I could no longer access that account-they lost my original personal account number and refused my payment s !!!!!!!!
It is not just SunTrust-it is EVERY BANK
God Bless you & Keep Fighting & learning
Get an Attorney if you can
WHAT DO YOU THINK MERS IS GOING TO TELL YOU???? MERS IS A CYBERSPACE SHAM AND A FRAUD…..MERS DOES NOT BUY MORTGAGE LOANS, THEY TRACK SERVICERS……..AND THEY DO NOT ASSIGN AND RECORD CONVEYANCES……….IN OTHER WORDS THEY CLOUD THE TITLE……….!!!!!!!!!!!!!!!!!!
DO NOT LISTEN TO ANY OF THESE PRETENDER LENDERS……….FIND THE FRAUD IN YOU MORTGAGE LOAN AT YOUR RECORDER OF DEEDS OFFICE WHICH MOST LIKELY OCCURED AT ORIGINATION. THEN FORCE DISCOVERY ON THEM…MAKE THEM SHOW PROOF THEY OWN YOUR LOAN, THEY CAN’T AND THEY DESTROYED ALL OF THE ORIGINAL NOTES AND MORTGAGES AND CHAIN OF TITLE TO COVER UP FOR THEIR CRIMES OF MULTIPLE PLEDGING THE NOTES….THEY CREATED 40 TRILLION DOLLARS IN DEBT BY USING MANY FRAUD WHICH HAS RESULTED IN EXPONENTIAL COLLATERAL FRAUD. 40 TRILLION IN FAKE DEBT BACKED BY ZERO!!!!!!!!!!!!!!!!!!!………THEY ARE ALL BANKRUPT………!!!!!!!
Ooh, ooh, let me answer this one! Fannie is holding thin air. Your mortgage was paid off when it was “sold” although no legal transfer ocurred. Your “debt” has been discharged.
In your case, you are in a sweet position: File an Adversarial Motion to the pretender lender’s Motion for Relief of Stay. Then, THEY will have to prove Standing to foreclose. Whatever bogus documents they introduce will be forgeries and fraudulent. Object to everything or if you have an attorney who gets it, have him object to everything. I believe you are “foreclosure proof”.