Comments on: COMPLAINT | COMMONWEALTH OF MASSACH– USETTS v. BANK OF AMERICA, JPMORGAN CHASE, CITIBANK, GMAC, WELLS FARGO, MERS, et al

By: sherell Talley

sherell Talley — Tue, 20 Dec 2011 02:14:55 +0000

I live in Fort Worth, Texas and I’ve been trying to fight my foreclosure with GMAC. This started in June of 2011. I’ve sent number of lettlers to them. The first Qualified Written Request for my documents went out June 23,11. Second QWR was sent 07/13/11 for documents giving them 10 more days to reply. On 07/29/11 they reply saying they are not the owners that US. Bamk N.A.as Trustee. GMAC is not who my loan started with in 2001, My lender was Mortgage Edge, after my first payment was sent to Mortgage Edge I got a call form GMAC that I was to send my payment to them, I told them that I had sent the payment to Mortgage Edge to this date I’ve keep the copy of payment just in case this came back unpayed. Mortgage Edge is now out of business.

I’ve sent paper for a modification in 2007 I was told that I didn’t meat the requirements, due unemployement( TRA) and try when I had a job. On April 25,11 I got a lettler Congratations my request loan modification after over 4 years later my application was approved NON-HAMP LOAN MODIFICATION AGREEMENT I only have 2 day to get the paper work back by the dead line. ” the Borrower acknowledges that ” Lender” is the Legal holder and the owner, or agent sevicer for the legal holder and owner, of the Note and Security Instrument and further acknowledges that if “Lender” transfer the Note, as amended by this Agreement, the transferee shall be the “lender” as defined in this Agreement. This is how this agreements started and no ware does it Stat anything about Us. Bank N.A.as Trustee. I’ve been paying who I thought was the owners of my loan. No were in this agreement shows US. Bank, It’s ask me to acknowledge GMAC Mortgage. The letter head is GMAC. This information came for the first time in 07/29/11 why was there name in this Modication in April. The agreement was not sign and turned do to the first statement of the borrower acknowledges, and the loan would pay out in 2041. A new 30yrs loan, something I never had in 2001 I signed a 20yr loan. I couldn’t agree to this.

I need help at this time I have no Attorney working on my case to prove what they have done is not legal foreclosure on 12/06/11 they still has not answer to my request to how they got my loan. I need help before me and my two children is out on the street I’ven been in my home for 10yrs. on this 20 year loan with only 10 yrs. lift on my loan my children or honor student and was born in ths home. This my homestead home, and would like to keep my children in the school ISD were they are doing outstanding. I was not one of them homeowner who got more then they could handle. I’m in this because the company I worked moved to Mexico 12/30/06 KImberly Clark for 15yrs. Shift leader $19.02 hr. In 2008 I started working for Stealcase thay to moved to Mexico . Working as Zone lead at $18.00 dollars a hire. American greed by these big Banks and the largest Company has killed the American dream for me and my children. I’m looking foward to speaking to someone for help my email adress sherellfrancis@yahoo.com contact me @ # 817-884-7935 in Fort Worth,Texas

By: Shelley A. Erickson

Shelley A. Erickson — Fri, 02 Dec 2011 20:15:10 +0000

In reply to stopGOVTwaste. Pam Bondi is bought she needs to be removed. She has deaf ears!

By: Christina Marlowe

Christina Marlowe — Fri, 02 Dec 2011 19:46:45 +0000

And, as a means to an end, I would encourage every person in America, EN MASSE and AT ONCE, to File for Bankruptcy; To simply REF– USE to play these criminally-conspired games. I, personally, do not like the SHARECROPPING SYSTEM; I am, therefore, decidedly NOT a SLAVE to these Idiot-Thug Robber Barons whom only THINK they have (HA!!) “Control.” Furthermore, to ALL Student Loan Recipients, all of whom have been literally GOUGED by a thoroughly CORRUPT System which is nothing more than PROSTITUTION by the government HACKS in Cahoots with the BIG BUSINESS of EDUCATION. Walk Away. EN MASSE Do NOT look back; Simply tell the Criminal USURERS (YES, That’s Right) To go to HELL; And just remember this, to those unemployed people who have worked so hard to get “Ahead,” Those selfsame people that Have been left holding the Enormous Proverbial BAG, Burdened Constantly with Huge, Never-ending, Irreconcilable DEBT, With No Hope in Sight of Paying it Off EVER: Just Remember this FACT: These Bastard-Criminals CANNOT get BLOOD from a STONE…

By: lvent

lvent — Fri, 02 Dec 2011 15:57:33 +0000

In reply to lvent. 3 felonies gets you life in prison....this is another attempt to cover up their massive crimes and give loan mods and refis..

By: lvent

lvent — Fri, 02 Dec 2011 15:48:49 +0000

I watched the press conference..Sounds like she is pushing for loan mods…This economy sucks because of what these bastards did..I would not sign or agree to anything…

By: stopGOVTwaste

stopGOVTwaste — Fri, 02 Dec 2011 15:48:01 +0000

Attn PAM BONDI… this is how you do it!!!

By: acmodspecialists

acmodspecialists — Fri, 02 Dec 2011 08:16:48 +0000

http://youtu.be/jLt05sN7vK0

By: Shelley A. Erickson

Shelley A. Erickson — Fri, 02 Dec 2011 01:35:57 +0000

In reply to DT. look belowThese statutory provisions must be strictly construed. See Robbins v. M.E.R.S., 2006 WL 3507464, at *1 (Ark. Ct. App. 2006) (“It is also true that the Arkansas Statutory Foreclosure Act, being in derogation of common law, must be strictly construed.”) Posted by Home Equity Theft Reporter at 12:07 AM E

By: Shelley A. Erickson

Shelley A. Erickson — Fri, 02 Dec 2011 01:31:47 +0000

According to companies dealing with foreclosures, the case of In Re Johnson (case nos. 3:10-bk-19119, 3:11-bk-10602 and 3:10-bk-16541 in the Eastern District of Arkansas, Jonesoboro Division) has caused the number of foreclosure proceedings to drop significantly since the court issued its ruling on Sept. 28.
In a nutshell, the court found that lenders not authorized to do business in Arkansas can’t properly utilize the state’s Statutory Foreclosure Act as codified in Ark. Code Ann. §§ 18-50-101 through 18-50-117.(1)
The aforementioned non-judicial foreclosure act requires all companies wanting to take back homes under that act must be authorized to do business in the state — a real problem for mortgage companies located out-of-state that are servicing loans paid on by Arkansans.
For more, see Bankruptcy court throws wrench in non-judicial foreclosure proceedings.
See also, Bankruptcy court ruling slows down foreclosure sales in state, indicating that national title insurers may be beginning to slam the brakes on Arkansas realty sales involving homes recently foreclosed in non-judicial proceedings.
For the court ruling, see In Re Johnson, Case Nos. 3:10-bk-19119, 3:11-bk-10602, 3:10-bk-16541 (Bankr. E.D. Ark., Jonesboro Div. September 28, 2011).
Editor’s Note: Buried in footnote 4 of the court ruling is this point of interest:
The Court notes that counsel for the Debtors argued that a determination that the statute had been violated would make any sale under the Statutory Foreclosure Act void ab initio. No property sales actually resulted from the foreclosure proceedings in these cases. The sole dispute in these cases is whether the foreclosure fees and costs incurred through use of Arkansas’ non-judicial foreclosure process are owed.
(1) According to the court:
Absent compliance with Ark. Code Ann. § 18-50-117, J.P. Morgan’s avenue for foreclosing on these properties was that of judicial foreclosure through the courts, not through Arkansas’ non-judicial foreclosure process.
The court also made this observation on the Arkansas statutory provisions authorizing the use of non-judicial foreclosure procedings in the state:
These statutory provisions must be strictly construed. See Robbins v. M.E.R.S., 2006 WL 3507464, at *1 (Ark. Ct. App. 2006) (“It is also true that the Arkansas Statutory Foreclosure Act, being in derogation of common law, must be strictly construed.”)
Posted by Home Equity Theft Reporter at 12:07 AM E

By: Shelley A. Erickson

Shelley A. Erickson — Fri, 02 Dec 2011 01:29:06 +0000

From Livinglieswordpress: Ethan C. Nobles writes in First Arkansas News: about MERS and all unregistered debt collectors