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If you're struggling to pay your mortgage, fallen a few months behind or maybe you've received foreclosure papers and don't know where to turn. Please don't fall for the "Banks Loan Modification Madness" where all you get is the run-around. The Banks are "Pretender Lenders" and can't prove a valid lien let alone a valid foreclosure. The real question is, "Who owns the note on your mortgage?" Knowledge is power, but applied knowledge is the key .READ THE REAL REASONS YOU CAN'T GET A LOAN MOD ON OUR "FRAUD-CLOSURE PAGE". WE ARE NOT A LOAN MOD COMPANYT1-800-216-4348 Home

WHY ALL THE LOAN MODIFICATION MADNESS???

The Banks and/or Servicers are keeping you totlally distracted with all this non-sense about you getting a loan modification. While they keep going back and forth with several requests for the same documents over and over again, they are moving against you in court by filing for foreclosure on your home, but you don't realize this and thats why more homes are lost through this so-called loan modification system. The statistics are less than 10% sucess rate for homeowners. Meanwhile your "forebarance" payments don't even get credited to your account!

When your mortgage note is bundled (SECURITIZED) it is sold to an end investor. Before that though, your mortgage note is sold at least twice. The "lender" is paid for the note. Now the "lender" is just a "servicer" of that note. The note is destroyed as it cannot coexist with the new financial identity, the Certificate/Security. Can an INDIVIDUAL NOTE come out of the Certificate/Security? NO! The banks are hoping you don't know that the note is sold, the note is securitize, then your note is destroyed when it is pooled, thats why

these "PRETENDER LENDERS" have NO STANDING to foreclose!

You must be aware of what is going on today with this foreclosure fiasco.

If you challange the foreclosure case, the legal process will afford you time to reinstate the mortgage. You may be able to force the lender to completely rewrite the terms of your note and mortgage, enabling you to keep your home. This may sound too good to be true, but you may actually have valuable defenses and counterclaims. Across the country, judges are punishing mortgage companies.

Are you aware that your mortgage company is probably not the same company that actually loaned you the money to buy or refinance your home? How do you know if the mortgage company suing you has been properly assigned your note and mortgage? Your mortgage company may have failed to properly assign the note and mortgage before initiating the foreclosure. Does your foreclosure complaint even have copies of the note, mortgage and purported assignment attached? Most likely, these documents are not attached, and may not even be in the possession of your mortgage company. Your mortgage company may be attempting to substitute your original note and/or mortgage with a purported copy.

This is called a “Count to Establish Lost Documents."

There are legal requirements to establish a lost note or mortgage, and your mortgage company may be unable to meet the requirements. If challenged properly, by preforming a"Securitization Memorandom" of your loan, examining the "Pooling & Servicing Agreement", including the "S.E.C." filings, could prove massave fraud, the banks hope you don't find out about.

THIS INFO IS VERY IMPORTANT

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The information on this site is not to be construed as legal advice.

StopGreedyBanks.Com Breaking News Updates

FORECLOSURE STRESS MAKING HOMEOWNERS SICK

NEW YORK JUDGES LOSING PATIENCE WITH BANKS

FORECLOSURE CRISIS NOT EVEN HALF OVER

BANK OF AMERICA RAMPS UP FORECLOSURES

HOUSING CRISIS WORSE THAN GREAT DEPRESSION

BANKS ARE STILL FORGING DOCUMENTS TODAY

80,000 N.Y. FORECLOSURES RIDDLED WITH FRAUD

92% of NY Foreclosures Done Without Proper Standing‏

LOAN MODS WON'T PROTECT YOU FROM FORECLOSURE

INVASION OF THE ILLEGAL HOME SNATCHERS

NEW YORK JUDGE AWARDS HOME FREE TO FAMILY

60 MINS. REPORT:"WHO OWNS YOUR MORTGAGE NOTE

THE SECRET TRUTH OF WHY LOAN MODS ARE FAKE

* LESS THAN 5% OF LOAN MODS GET APPROVAL.

N. Y. JUDGE SLAMS MERS NOTE CASE DISMISSED.

NEW YORK ATTORNEY STEVEN BAUM INVESTIGATION.

* QUIET TITLE ON YOUR HOME POSSIBLE IN N.Y. & FLA.

BROTHER GARY'S TESTIMONIAL

"The Helpline helped me get the best results I could've hoped for. After a 30 month foreclosure battle, my mortgage balance was reduced by $150,000, my payment was reduced from $1800 per month to less than $600, including taxes & insurance, and the foreclosure case against me was dismissed.

Brother Gary (Int'l Gospel Radio Sensation)

(This unique result is not guaranteed.)

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THE REAL REASON YOU CAN'T GET A LOAN MODIFICATIONThe truth about loan mods from a former executive who is now a "whistleblower" exposing the banks.Many people seeking loan modifications have difficulty with their paperwork being lost. This rarely happens. The reason their documents go missing is because they are intentionally destroyed in order to prevent a loan modification in circumstances where Wells has a legal obligation to modify a loan. Wells Fargo had a legal obligation under its TARP agreement when it still had 25 billion in Federal money, and still has the obligation as part of its servicing agreements. If Wells has an obligation to modify, but doesnt want to, they have to create a way of rejecting the modification application without there being a record of it. Losing the documents serves this purpose.Documents are destroyed in The Black Hole. The people you talk to when you are seeking a loan modification have no knowledge of it. Many of them are temps, lacking experience in loan processing. It never registers with most of them that something strange is going on. The Black Hole is kept completely isolated from Wells Fargo servicing staff. Even if they realize it exists, they have no idea of its location.Heres how it works. Any document pertaining to a loan modification must pass through The Black Hole. A customer cannot simply submit a document directly to the people working on their modification application. Wells gives customers a fax number to submit their documents to. This fax number goes directly into the Black Hole. If physical documents are sent to a Wells Fargo fulfillment center (known as an FC), they are faxed to the Black Hole by servicing staff. If you send documents directly to a processor working on loan modification, they are forbidden to simply take the documents and work on your application. They must fax them to the black hole. Serving staff are only permitted to communicate with a borrower via telephone or mail using form letters- no email.The people who work in servicing are completely cut off from The Black Hole. They have never talked to anyone who works there, they have never received any communication from it. Documents go into The Black Hole, sometimes they come out, sometimes they dont. When documents disappear, its not random.The following is my belief as to how the Black Hole works. I wont give my reasons behind the belief, because it would be a long explanation. Documents sent to The Black Hole are converted to PDF documents. A software system scans the document, pulling the loan number. With the loan number, the system automatically pulls servicing data- such as payment history, investor info, loan to value at origination, and so on. Another existing software system (an LPS product) identifies the property location and data on the local real estate market. The Black Hole uses this information to make a decision about whether or not it is in the best interest of the lender/servicer to modify the loan.If you are way upside-down in your house, the lender/servicer may not want to foreclose if they have a risk that they cant saddle the investor with the loss- better modify that loan! What if they can foreclose, pay off the investor, and make money on the equity in the house?- your modification docs might get lost. Depending on who the investor is, they may want to drag things out to make higher servicing fees, or in the case of a government loan, make money by the fees charged for services by third party vendors, vendors in which the servicer has ownership interest. In the case of Wells, this would be RELS. There is nothing that warms the heart of a banker like risk-free fee income. The relationships with LPS and First American should also be given scrutiny.I think it unlikely The Black Hole is actually in Wells Fargo. They have to keep it separate from their own staff, and separation provides a layer of insulation from discovery in lawsuits. Its likely a service provided by LPS. Its curious that other servicers who are LPS clients have a public record of the same kinds of loan modification document disappearance. My best guess for the name of the LPS product (software) that does this is LPS HAMP Solutions.Why would Wells do this? Doesnt this sound far-fetched? You have to understand how they think. First, a core element of Wells Fargo corporate culture is what they call the Wells Fargo swagger. This a polite way of saying that at Wells Fargo corporate, arrogance is a virtue. Legally, this is outside the application of any existing regulatory box. While all of the intent for violations of law are there, there is no precedent for the law having been applied in this way. For example, Wells Fargo knows the O.C.C. could potentially apply Reg B to loan mod applications, but they have never done so. Plus, Reg B fines levied per occurrence. Even if the O.C.C. said that every instance of document destruction is the equivalent of a loan denial, what record is there that it occurred? Wells Fargo staff meets with the O.C.C. bi-weekly. They have an established system for their interaction. All of this falls outside of their established way of interacting. The internal Wells Fargo compliance system is built to serve this existing interaction.This is why a big corporation like Wells can run circles around regulators, making money all the way. Regulators are under funded and understaffed. Wells makes it easy to do their job with compliance systems that tell the regulators what they want to hear, while they are way out in front of the Federal Government making money on the frontier.Wells Fargos public statements regarding loan modification, as well as on many other subjects, are not credible. Remember the scandal in 2009 about charitable contributions? Earlier this year, Mark Heid stood up in front of Congress and, in sworn testimony, stated Wells Fargo had 17,000 people working to keep people in their homes. This was false. Using an internal system, I counted them. The total number was a lot less, and this included all of the people in loss mitigation, even all the people whose job it is to foreclose on houses- not keep them in their homes. Just prior to Mark Heids first appearance before congress in 2010, Wells Fargo converted existing loan fulfillment sites to loan modification- an effort to fluff the numbers and started converting those fulfillment sites back to loan origination right after his second testimony. Even in the interim between the two congressional appearances, there were fulfillment sites internally listed as loan modifications sites that were at least partially committed to origination. In Wells Fargos Branch retail fulfillment system, there was (as of June 2010), approximately 6,500 people working in loan origination fulfillment- and creating a new loan is a lot more work than modifying an existing loan. I find Mark Heids testimony be very difficult to believe. How do we know Wells Fargo is telling the truth when they claim to have modified over half a million mortgages? How can this be independently verified? The compliance agent for the Federal Loan Modification program is Freddie Mac, a company with whom Wells Fargo has old, very close, and very large (hundreds of billions of dollars) relationships. How do we know they are telling the truth about anything?14th Amendment to The United States ConstitutionNo State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States; nor shall any State deprive any person of life, liberty, or property, without due process of law; nor deny to any person within its jurisdiction the equal protection of the laws.Below Explains the "Root of the Problem:"MersCorp was created in the early 1990s by the former C.E.O.s of Fannie Mae, Freddie Mac, Indy Mac, Countrywide, Stewart Title Insurance and the American Land Title Association. The executives of these companies lined their pockets with billions of dollars of unearned bonuses and free stock by creating so-called mortgage backed securities using bogus mortgage loans to unqualified borrowers thereby creating a huge false demand for residential homes and thereby falsely inflating the value of those homes. MERS marketing claims that its paperless systems fit within the legal framework of the laws of all fifty states are now being vetted by courts and legal commentators throughout the country.The MERS paperless system is the type of crooked rip-off scheme that is has been seen for generations past in the crooked financial world. In this present case, MERS was created in the boardrooms of the most powerful and controlling members of the American financial institutions. This gigantic scheme completely ignored long standing law of commerce relating to mortgage lending and did so for its own personal gain.Without getting into a lot of complicated explanations, this is the root of the problem. Now, you need to understand the process of the mortgage market because this is EXTREMELY important in the entire crisis. Almost 100% of all residential and commercial loans made since the late 90s were made by a bank or lender. Almost immediately after closing (and often before closing), these lenders sold these loans in pools to an aggregator of loans. Ok, a little glossary break down here. A pool of loans is two or more loans combined into a package. Smaller lenders might sell a package or pool of 50-100 loans to larger lender. The larger lender might buy 30 pools of 100 loans from 30 different smaller lenders. Now they have 3000 loans that they pool together into one big pool. You with me so far???Ok, next heres what happens a larger bank (Chase, Countrywide, Wachovia, GMAC, Homecomings Financial, Fremont, Option One, etc) then sells these 3000 loans to another entity. This other entity is often a subsidiary but sometimes not and this other entity is a Sponsor and usually a Master Servicer entity. This means that this company is going to be the servicer of these loans. A servicer is the company that is going to collect the monthly payments, manage the escrow accounts, etc. Now, most people think that this is who they owe the money to for the loan they have because they received that notice about 60 days after closing notifying them that the Servicing of their loans was being transferred to XYZ Company. Because they make the payments to this servicer they automatically assume that this is now their lender. Remember when I just said that these large pools are usually sold to subsidiaries of the large banks? Well, its no wonder that these Master Servicing companies have highly similar names. Whats the difference between Americas Wholesale Lender and Countrywide Home Loans, Inc.? Well, a lot and very little. Both do business as Countrywide. One is a lender and one is a Master Servicer. Confusing? Yes. Purposefully? Yes. If there is confusion in Wall Street, its on purpose because these guys arent stupid. Stay with me here Now, this is important the Mortgage doesnt give just anyone the right to foreclose, It gives the actual OWNER of the Note the right to foreclose. The owner of the actual and original Note. Not a copy of the Note but the ORIGINAL note. This is a very important point that must be understood and grasped, by everyone, including the US Government. I think that its highly possible that this bailout package might be relieving financial institutions of defaulted debt even thought that same institution may not even have the actual Notes to evidence the defaulted debt. And, is it really defaulted? How do we know that these entities werent already paid for these Notes? It depends on exactly WHO they are bailing out but if its any entity other than the Trust, those entities have already been paid for the Notes!Back to this pool of 3000 loans so the Master Servicer has sold the 3000 loans to a Depositor for about 102.5% of the face value of these Notes. When a sale of these 3000 loans is made, the Depositor literally pays the seller of the loans a lump sum of money and the Master Servicer in turn hands over the Notes for that payment of money. And then this same Depositor sells the 3000 loans to a Trust and deposits (hence the name Depositor) these Notes into the Trust. The Trust pays the Depositor a lump sum of money and in return receives the Notes. The Master Servicer or Servicer gives the Notes, receives a lump sum payment and then promises to pay the trust a monthly payment on the money that the Trust paid it. This large monthly payment to the Trust is usually guaranteed by the Servicer and is an aggregate or sum of all of the individual 3000 borrowers who paid their monthly payment to that Servicer. The servicer collects all of those monthly payments, takes off their fees, disburses some of it to escrow accounts, etc. and then makes the payments to the Trust. The Servicers also have multiple layers of insurance that insure them against borrower defaults because the Servicers do in fact make representations and warranties on the monthly payments to the Trust that really owns these Notes. So heres what happens to this pool of 3000 loans. The Master Servicer then sells these same 3000 loans to a Depositor. What really and actually happens is a bona fide sale of all of these loans. Now, heres an EXTREMELY important point, pay attention right here. When a loan is sold, what is really sold is the Note. The Note is sometimes called the Promissory Note. The Note is the only and real evidence of the debt. The ORIGINAL Note that is. Thats why youll sometimes here this called selling the paper. The paper debt, the NOTE, is the debt and has an actual value because you, the homeowner and borrower, have signed that note with your signature and pledged (promised) to pay that debt back. The MORTGAGE is what you give to the original lender (and any subsequent purchase of the Note) as security in case you dont pay the debt back. The mortgage gives the owner of that Note the security (the home or property) and thus the right to foreclose if you dont pay it back. This whole process is called Securitization. This is a simplified explanation of what happens. Through this Securitization process, these Notes are packaged into whats called Asset Backed Securities or Mortgage Backed Securities in whats called a CDO (Collaterlized Debt Obligation) and are sometimes called ABS or MBS Pools. The Depositor creates something called a Special Purpose Vehicle (SPV) to deposit these Notes into the SPV and then these Notes are sold and deposited into the Trust. The Trust is owned by all sorts of investors, individual and companies, pension funds, foreign investors. etc. They collectively own these Trusts. A Trustee acts as an Agent for the Trust and on behalf of the Trust in a fiduciary relationship.So, now that youre a securitization guru, lets get the rubber to meet the road in all of this. Heres the real rub. I told you that, legally speaking, the only evidence of this debt (the loan) is the actual and original Note; and this makes sense! If not, anyone could create a Note, get a copy of your signature (which they can get in public records on the mortgage you signed and was subsequently recorded in public records), paste it on that created Note and allege that you owe them this money. Also, because this Note is changing hands some 3-6 times in the securitization process, everyone touching it can create a copy and allege you owe them the money even though theyve already sold the original Note and have been paid for it by the new buyer! Just like a personal check, the Note has to be Endorsed to the new buyer of the Note by the Seller of that Note. They literally need to stamp on the last page of the Note, Pay to the Order of Without Recourse and then stamp or write in the name of the new buyer. On a bona fide Note, this is EXACTLY what you will see and find. Everytime this Note changes hands, it needs an actual endorsement. So heres what literally happening with ALL of these foreclosures the Trusts are the actual owners of the majority of all of these Notes. Yes, the Trusts. A trust has a funky name such as Harborview Mortgage Loan Trust 2006-5 or Meritage Loan Trust 2007-2. Theres no such Trust named Countrywide Home Loans or Chevy Chase Bank or Citimortgage or GMAC Mortgage Co. or Residential Funding Corporation or Amtrust Bank or Fremont Investment and Loan or Option One Mortgage Co. - you get the point. All of these entities are either lenders or servicers. Period. They are NOT the Trusts that your loan and everyones loans were sold to. Dont let anyone fool you. Over 98% of all loans made since 2000 were securitized in just the fashion I described above.Now, I can only speak to the 100 or so foreclosure cases I have personally read the complaints on in Florida and a few in Ohio. In 100% of these foreclosure cases, the suit is being brought NOT by the Trust but by the servicer or the trustee. Both of these entities are agents for the Trust but they are NOT the owners of these Notes unless they show that they re-purchased that Note from the Trust. In about 70% of the foreclosure cases we have seen, the Plaintiff (usually the servicer) is also alleging that they have LOST THE NOTE or that is has been destroyed. No, that was NOT a typo or mistake. Well, if the Note is actually lost, they dont have any actual evidence of the debt anymore. So heres the question to start asking your Congressman or Congresswoman, your State Senators, your Governor and every other politician that has any influence and may want to be re-elected if the Federal Government is going to buy all of these non-performing or defaulted loans (ie. Notes), who are they actually going to buy them from? The Trusts or the Servicers?And, if they can actually tell us this in plain language, are they actually going to buy the original Notes? Not a copy and not some affidavit from some $15/hour employee who is swearing that they saw the original note before it was actually lost or destroyed but the originalNote?Im not kidding here. Im seeing 70% of the cases allege a Lost Note! When they produce the Note, what this Servicer alleges is the original note is, in fact, only a COPY of the note and is NOT the original. Want to know how I know its NOT the original?This is easy folks. The entire securitization process that any and all Notes are involved is and must be disclosed in filings with the SEC. Yes, every Note is involved a securitization. And this MUST be filed with the SEC. And in these filings with the SEC, these companies MUST disclose all of the parties involved in that process and what that chain of securitization actually follows. That chain MUST be evidenced on every single Note on the last page of that Note in the form of an endorsement. Pay to the order of Every Note should have at a minimum of 2 endorsements and more likely, 4-5 endorsements. If a Servicer or an attorney for that Lender or Servicer produces a copy of a Note that they allege is the original Note, all one needs to do is look for those endorsements. If the endorsements dont follow EXACTLY what they have already filed with the SEC, they got real problems folks. Either they are lying to the court (called fraud) or that Note is faulty in that the proper endorsements arent there and most likely, both are real legal issues.

HomeOwnersHelpLine_live.com Listen to our Radio Show every Saturday at 11 AM on 850 AM or tune in online at www.850wftl.com AVOIDING FRAUD-CLOSURE

The best advice is to get a jump on the situation, be "Pro-Active" and place the burden of proof onto the banks. If you're giving up any of your "Quality of Life" struggling to pay your motgage, if you're using your savings to make ends meet, then you need to evaluate what your current options are. Find out what is best for you..

Can you sell? Can you refinance? Should you short sell? Is Bankruptcy right? Now or later? Just walk-away? Deed In Lieu ofForeclosure?

Do You Owe More Money Than Your Home Is Now Worth?

That's why Knowledge is important now more than ever. If the Attorney General finds that the Banks' Attorneys (foreclosure mills) have engaged in unfair, illegal, deceptive practices, with all this loan mod non-sense & fake forebearance payments, is not every Defendant who was a victim of that conduct entitled to defend their rights? The banks have sliced and diced your loan so many times they may not be able to prove a valid lein, let alone a valid foreclosure! Get someone on your side, defend your home and fight.

Being Pro-Active is key to staying in your home and fighting back!

Services Homeowners Helpline KNOWLEDGE IS POWER...BUT APPLIED KNOWLEDGE IS THE KEY! Allegations of Faked Documents Submitted Against You....The information on this blog and on the radio shows, is for informational purposes only and is not to be construed as legal advice.Our courts and our judges must be able to rely upon the representations of the lawyers that appear in their courtrooms and rely upon the veracity of the evidence they submit. Based on the broad nature of the Attorney Generals investigations and the widespread evidence of forged and fake documents that are being submitted by the foreclosure mills, our judges should have zero confidence in any of the evidence that has been submitted by the mills.some judge have already expressed as much. Why the millionaire foreclosure mills still given the benefit of the doubt.thats really what summary judgment is.in my mind not a single additional summary judgment should be granted until judges can develop some confidence that the orders theyre signing are not based on faked, forged, questionable evidence. I wonder how our senior judges (or any judge for that matter) will feel about issuing summary judgments to law firms that are under investigation by the Attorney General. THIS AND THIS ALONE WILL KEEP YOU IN YOUR HOME!!THE SOLUTION TO FLORIDAS FORECLOSURE CATASTROPHE- FLORIDA STATUTE 69.021Bondholders committee.In any action to foreclose the lien of any mortgage or deed of trust given to secure any issue of bonds or other obligations and encumbering real or personal property or both when the owners of the bonds or beneficiaries of the trust exceed ten in number, on motion of a party or on its own initiative, the court may appoint three persons, two of whom shall constitute a quorum for all purposes, as a committee for the protection of the holders of bonds or units or certificates of beneficial interest. The committee is vested with such powers and authority and shall discharge such duties in connection with the litigation and its subject matter as is necessary and proper in the courts discretion to protect the interest of the holders of the bonds and beneficiaries of the trust involved in, or affected by, the litigation. During the pendency of such litigation, the court may prescribe, modify, abrogate or nullify the powers and authority of the committee.QUALIFICATIONS.No person is eligible for appointment to, nor qualified to act as a member of, the committee who is interested in the outcome of the action or in the subject matter thereof, or who is an officer, director or stockholder of any party to the actions, or who is related by blood or marriage to, or directly or indirectly associated with or employed by:Any official of the court.Any person who is interested in the outcome of the actions.Any person who is interested in the subject matter.Any person who is an officer, director or stockholder of any corporate party to the action.COMPENSATION AND EXPENSES.The compensation and expenses of the committee shall be fixed by the court and may be taxed as costs and ordered paid by such parties in interest, and in such manner and at such time, and out of such funds or property involved in the action as the court determines. The court may remove any members of the committee and appoint a successor or successors to fill the vacancies that result from removal, resignation or death of members of the committee. The committee is subject to the supervision and control of the court at all times, and amenable to its orders until the approval of the final reports, if any, of the committee and the discharge of the committee by the court.EMPLOYMENT OF COUNSEL.The employment of counsel by the committee shall be approved by the court and the compensation of counsel shall be fixed by the court.ONLY LEGALLY APPOINTED COMMITTEES RECOGNIZED.Any bondholders committee not appointed by the court in which the action is pending shall be heard in the action or permitted, directly or indirectly, to dominate or control the litigation or the action of the trustee or trustees under deed or deeds of trust under which the action is predicated, nor permitted to acquire, directly or indirectly, the property at any sale in said action. So if your bank is threatening to foreclose, or even if you've already had papers filed against you, it may not be too late to save your home. Homeowners have rights, and unless you know what rights you have, you wont be able to mount the best possible legal defense to save your home. You must realize what your options are and move fast! Once you've been served with court papers, you have only a few days to fight back and stop your home from being sold out from under you. The longer you wait, the harder and more expensive your fight will be. Afraid you've missed your chace? Even if your sale date is just days away, in some cases its still possible to stop the sale and keep you in your home. But don't wait another moment to call us The banks and their attorneys are using "Dirty Tricks & Illegal Tactics" to sepaarate you from your rights, your home, your money, and your sanity! And time has proved us right. Thats why being pro-active is the key. Foreclosure Judges, State Attorney Generals & Federal U.S. Attorneys are finally listening and paying attention. This foreclosure fiasco is "The House of Cards" that the banks, wallstreet, and our government help build. The biggest players on the Wall Street, JP Morgan, Bear Stearns, Chase, Goldman Sachs, Lehman Bros all got together to create larger pools of mortgage backed securities that they sold to investors internationally. They committed massive fraud upon these investors by lying about the fundamentals of the collateral in those securities. They are the Architects of this Foreclosure Fiasco created through, Fraud, Misrepresentation, and potentially Criminal Acts. They setup the foreclosure crisis choking our courtrooms across the country with fradulent documents. They have used unjust, unfair, and illegal practices of law to try and steal your home!! A growing number of the people whose homes are in foreclosure are refusing to walk away in shame, and instead are finding ways to beat the Banks at their own game. They are fashioning a sort of Homemade Mortgage Modification, one that brings their payments all the way down to zero!!! They use the money they save to get back on their feet, pay down those credit cards, or sometimes to just get by. This type of modification does not beg for a lenders permission but is delivered as an ultimatum: Force me out if you can, but you must first prove a valid lien with all the pertinent documents before you can file a valid foreclosure suit. Any moral qualms are overshadowed by a conviction that the banks created this foreclosure fiasco by pushing loans though the system, that should have never been made. Then sold thse loans in bundles on Wall Street, and now cannot prove the true ownership of the Note or their Assignments!! But the worst part is you cant get any relief or satisfaction from trying to speak directly with the banks because... Nothing Makes Sense! All you get is the run around, back and forth with document requests which they'll lose, so you must resend up to six times. All the while of being in this "twilight zone" you're sending them so called forvearance payments that will never show up to your credit on any monthly statements. The banks have raised millions and millions of dollars with this unfair practice and abuse of Forvearance against you. Where is all that money going? Is that legal? Is that moral? Is that their plan? Is this the best they can do??

Case Studies

Below are Independant - Informative Links to important news articles We update this page daily with new facts, breaking news, and informative news links that will help you stay in your home *READ ALL ABOUT IT OR FOR IMMEDIATE ATTENTION CALL:1-800-213-9384

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Page 1 LOAN MODS LEAD TO FORECLOSURESECRET $1.2 TRILLION GIVEN TO BANKSTERS WITHOUT TAXPAYERS KNOWLEDGEDISORDER IN OUR COURTS BY THE GREEDY BANKSHOMEOWNERS LOSE THEIR RIGHTS BY BANKS' UNDERHANDED MOVESJUDGES SEE NO IMPROVEMENT IN FORECLOSURE PROCESS SHOCKING ADMISSION FROM THE U.S. TREASURYFORECLOSURE PROCESS SERVERS OVERBILLNG OPERATIONSOUR HERO JOE LENTS HAS 8 YEAR FIGHT WITH BANKBANK OF AMERICA RESUME FORECLOSURE AFTER 12 DAYS* "WHO OWNS THE NOTE?" VIDEO ABOUT HOW DEEP THIS PROBLEM GOES*A MUST SEE FRAUD-CLOSURE VIDEO AND MODIFICATION MADNESS VIDEO*COUNTRYWIDE EX-CEO FINED $67 MILLION & GOLDMAN SACHS $550 MILLION FOR ADMITTED FRAUD*BANKS' ATTORNEY HAVE HIGH SCHOOL KIDS PREPARE FORECLOSURE DOCUMENTS*HOUSE PAID FOR CASH WITH NO MORTGAGE...GETS FORECLOSED ON*NEW GOVERNMENT PROGRAM EQUALS MORE NONSENSE & DISTRACTIONS*WHERE IS THE NOTE & WHO OWNS IT?*SHAPIRO & FISHMAN ADMIT AFFIDAVITS CAN'T BE VERIFIED*NEW YORK FILES RACKETERING CHARGES AGAIST BANKS ATTORNEYS*FAKE NOTE ASSIGNMENTS TOTAL IN TRILLION$*ATTORNEY DAVID STERN FILES MORE FORGERIES *AFFIDAVITS ARE IN-ADMISSIBLE- RULEDBY JUDGE *JUDGES RULE: NO NOTE....NO FORECLOSURE*FLORIDA ATTORNEY GENERAL "BILL McCOLLUM" INVESTIGATES "FLORIDA DEFAULT GROUP" FOR FORGED DOCUMENT SENTERED INTO FORECLOSURE COURTS Florida Foreclosure Suit Tossed Out of CourtFlorida Judge Holds Rocket Docket To Speed Up Foreclosure Process Bankers Association Trying To Pass Non Judicial ForeclosuresThat Enables Them To Take Your Home In 3 MonthsLost Your House or Short Sale?? ...You Still Have To Pay For It Obama Rescue Plan Meets Unemployment Government Programs Fail To help HomeownersGov. Program Actually Makes Things Worse For HomeownersHome Owers Rejected Under Gov. PlanWall Street Journal Reports How Judges Forgive Entire MortgagesFannie Mae & Freddie Mac ExecutivesEach To Recieve $4 to $6 MILLION Bonuses For 2009 $200 BILLION MORE Taxpayer Money for Freddie &Fannie In 2010 Countrywide & Bank of America Charged With "RICO ACT" Because of "Lost Documents" Banks Up To "Securitization" of Loan Mods!! 2010 No Better For Loan Modifications Modification or Foreclosure?.... Whatever Makes The Banks More $$$$ Loan Mod Payment Reductions of 20% or More...Re-Default Again Banks Are Up To Same Old GREEDY Tactics With 70% Interest On Credit Cards Bank of America Claims Loan Mod's Won't Happen & Few Will Qualify Loan Modification Horror Stories Homeowners That Don't Know The Truth Are Told To Give Up & Walk Away U.S. Unemployment Causing Mental Illness Unemployment Will Linger Until 2014 Modification Program Is a Big Failure Foreclosures Sky Rocket In South Florida 7000 New Ones In November Alone!!IRS Forgives BILLION$ in Tax for Citi-BankN Y Judge Punishes "Repulsive" Banks' Actions By Forgiving Entire Mortgage BalanceGov. Loan Mod Numbers Are A Total SHAM!! Countrywide Charged With "RICO ACT" Because of"Lost Documents"Florida Attorney General Files Against Bank of America Over Modification AbusesJudge Allows LawSuit Against WAMU

Page 2 NEW YORK ATTORNEY FOR THE BANKS STEVEN BAUM UNDER INVESTIGATIONSOUTH FLA HOMES UNDERWATER GETTING WORSENACA PROGRAM SHOULD BE CALLED "NADA" -BECAUSE OF DOUBLE TALK13 MILLION MORE FORECLOSURES ON THE HORIZON66,000 FLORIDA FORECLOSURES CLEARS IN LAST 3 MONTHSNEW QUESTIONS ABOUT FALSE PROCESS SERVERS SHREDDING THE AMERICAN DREAM VIDEOMORE ON THE MORTGAGE MESS AND WHY THE BIG BANKSTERS EXSISTFEDS PROBE CRIMINAL CHARGES AGAINST BANKS FRAUDULENT ACTIONSTWO BANKS SERVE FORECLOSURE ON SAME MORTGAGE (double pledged)HALF TRILLION DOLLARS OF TROUBLED 2nd MORTGAGES ON THE HORIZONBANKS OF AMERICA & COUNTRYWIDE ACCUSED OF FEDERAL RACKETEERINGACLU SEEKS CONSTITUTIONALITY OF BANKS FORECLOSURE TACTICSFEDERAL TASK FORCE TO INVESTIGATE BANKS VIOLATIONS OF LAWSNEW FORECLOSURES AT RECORD HIGH FOR SEPTEMBER 2010U.S.JUSTICE DEPT. INVESTIGATES FORECLOSURE PROCESS FOR FRAUDBANK OF AMERICA HALTS FORECLOSURES (OCT 1)BANK OF AMERICA RESUMS FORECLOSURES (OCT 18)FLAWED PAPERWORK AGGAVATED FORECLOSURE CRISISSTATE PROBES BANKS' LAWFIRMS WITH INVESTIGATIONS INTO FRAUDWALL STREET KNEW MORTGAGES WERE SUB-PAR -BUT SOLD TO INVESTORS ANYWAYSWASHINGTON POST DESCRIBES THE FORGERIES SUBMITTED INTO FORECLOSURE COURTSFLORIDA CONGRESSMAN REQUESTS COURTS TO HALT ALL FORECLOSURES UNTIL A.G. INVESTIGATES1ST TIME HOMEBUYERS TAX CREDITS WILL HAVE TO BE PAID BACK BY HOMEOWNERS HOME PRICE WILL CONTINUE DOWNWARD SPIRAL 2011NEW YORK JUDGE DISMISSES FORECLOSURE FOR 'FRIVOLOUS MOTIONS"BREAKING NEWS* Economic Crimes Division in Ft. Lauderdale, Florida *INVESTIGATING* FLORIDA DEFAULT LAW GROUP FORECLOSURE MILL & LENDER PROCESSING SERVICES DOCx, LLCFLORIDA SUPREME COURT SAYS BANKS MUST HAVE INFO DOCUMENTED PROPERLYFlorida AG investigating LPS subsidiary: Jacksonville Business JournalMORTGAGE ASSIGNMENTS AS EVIDENCE OF FRAUD, by Lynn Szymoniak, ESQ.PREDATORY MORTGAGE SECURITIZATIONSMORTGAGE SERVICING COMPANIES PREPARING REPLACEMENT MORTGAGE ASSIGNMENTS: By Lynn E. Szymoniak, Esq., Ed.Fidelitys LPS Secret Deals With Mortgage Companies and Law FirmsBOGUS ASSIGNMENTS 2Im LOVING this!! LPS DOCx ADMISSIONS SEC 10K ROOFTOP SHOUT OUT!2009 Mortgage Assignments Over a Trillion Dollars Sure There WereLENDER PROCESSING SERVICES (LPS) BUYING UP HOMES AT AUCTIONS? Take a look to see if this address is on your documents!TOPAKO LOVE; LAURA HESCOTT; CHRISTINA ALLEN; ERIC TATE Officers of way, way too many banks Part Deux The Twilight ZoneARE FORECLOSURE MILLS Coercing Buyers for BANK OWNED homes? ARE ALL THE MILLS?AN ASSIGNMENT OR A FORMALIZATION OR A MEMORIALIZATION? By LYNN E. SZYMONIAK, ESQ.LENDER PROCESSING SERVICES (LPS) SECRET INSTRUCTIONS to FORECLOSURE MILLSDOUBLE TROUBLE: Sanctions Motion filed 5/21/2010 Against LENDER PROCESSING SERVICES (LPS)75% OF LOAN MODS BACK IN FORECLOSURE U.S. PROBES BANKS DATA PROVIDERSAttorney David Stern Who Handles Thousands of Foreclosures for the Banks is now under investigationBank of America Pays $108 Million Penalty For LiesHomes Lost By Banks MistakesThe Banks Communication Breakdown Read About How A Florida Homeowner Who Is Still In His Home....but hasn't made a mortgage payment since 2002Wall Street Is Delusional (60 Mins. Interview)N.Y. Law Firm That Represents Banks In Trouble Indy Mac/ One West Actually Profits from ForeclosuresSame Old Loan Mod Tricks Man Bulldozers Foreclosed Home to The Ground To Send Message To BanksForeclosure May Top Out At 20 Million (1 of 3) Foreclosures Go From Bad To Worse For 2010 Broward Leads Fla In Foreclosures Bank of America Forecloses On Home That Couple Paid For Cash Short Sell Your Home??? Think Again FORECLOSURE RATES FOR MARCH AT ALL TIME HIGH Loan Mods Applications In Limbo 450,000 May Be At Risk of Foreclosure In Loan Mod Plans Just How Many S Fla Foreclosures???... And How Many More To Come????More People Walk away from MortgageBanks Pursue Balance Long After Foreclosures 7 Million More Foreclosures for 2010 No End In Sight For Foreclosures 2010Real Unemployment At 21% JP MORGAN CHASE EARNS $30+ MILLION PER DAY!!!Less Than 5% Actually Get Modified Why Foreclosures Will Keep On Rising Another Example of Banks Pure GreedListen To Rep. Marcy Kaptur: "Stay In Your Home & Fight Back!" Foreclosure As A Financial Strategy Are You Foolish To Pay Your Mortgage? 7 Million More Foreclosures Coming Why Home Prices May Never Fully RecoverBanks Go On A Rampage 1 in 4 Homes Loans Not Worth Paying- 9 of 10 FlaHomes UpSideDown Foreclosures Soars to One out of FourRecession Is More Then Just Numbers...Its People! A Record 1 Million New Foreclosures In Sept. S. Fla Homes Drop Another 29% By Next Summer "ShadowMarket" Clouds Housing Recovery New York Home Values To Drop Another 17% By Next Summer Worst 3 MonthsEver -With No End In Sight84% of New YorkForeclosures Without Attorney Connecticut at 60% Boston Foreclosures At Record Numbers 105 U.S. Bank Failures So Far This Year What Revcovery???? 1 Out of 4 Homes In Foreclosure South Florida Sept. Foreclosures Surge 94% Massive Amounts Of Foreclosures Clogging Courts Commercial Real Estate Comes Crashing DownN Y Times Reports Foreclosures Force FamiliesTo Shelters Gov. Plan Can't Slow Foreclosure Epidemic Gov. Modifying Banks Not Loans Banks Up To Same Old Greed With Credit Cards Credit Card Rate Hikes Foreclosure Plan Ill Suited To Help Homeowners Moodys Rating Service Helped Wall Street Ripoff 1930's All Over Agaun?? Job Openings Are Scarce Wall Street Banks On Track To Record Payouts &Bonuses of $140 BILLION "Perks for Jerks"at the Banks Continue Mortgage Bankers Association Conclusion: "More Foreclosure On The Way!" The Banks Don't Care About You or Your Loan Modification...and it shows!!! 50% Of ALL Loan Mod's Re-Default Foreclosures Up In Florida & Nationwide 6000 New Foreclosures Per Day Goldman Sachs Bonus Pool $23 BILLION 3rd Q

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Media

Foreclosure Fraud

The Great Deception Video

DYLAN RATIGAN: FORECLOSURE FRAUD & $45 TRILLION DOLLARS

MERS "Foreclosure Proof"

Fraud Factories

MERS "Foreclosure Proof" Homes on Fox News Insider

Fraud Factories: Rep. Alan Grayson Explains the Foreclosure Fraud Crisis

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