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Nye Lavalle's -CantTrustPaperTrail

Nye Lavalle's -CantTrustPaperTrail

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Published by 83jjmack
III. BACKGROUND & HISTORICAL WARNINGS
IV. DEFINING ROBO-SIGNING & ITS PRACTICES
VI. PROOF OF SERVICER DECEPTION & FORECLOSURE FRAUD
TAYLOR BEAN & WHITAKER
Gillis Florida Case
OCC CHASE CONSENT ORDER
ARTICLE I COMPTROLLER’S FINDINGS
VIII. THE FORECLOSURE FRAUD, ROBO-SIGNING, & DOCUMENT GAME
IX. WHY FORECLOSURE FRAUD, ROBO-SIGNING, & DOCUMENT DEFICIENCIES EXIST
XIII. PERSONAL KNOWLEDGE OF FACTS IN AFFIDAVITS & WITNESS TESTIMONY
XIV. CASES ON-POINT THAT VALIDATE MY FINDINGS
FLORIDA GREENE CASE
XV. SIMPLIFYING THE SERVICER AFFIANT, AFFIDAVIT & WITNESS PROCESS
EXHIBIT A - MODEL NOTE OWNER AFFIDAVIT™
III. BACKGROUND & HISTORICAL WARNINGS
IV. DEFINING ROBO-SIGNING & ITS PRACTICES
VI. PROOF OF SERVICER DECEPTION & FORECLOSURE FRAUD
TAYLOR BEAN & WHITAKER
Gillis Florida Case
OCC CHASE CONSENT ORDER
ARTICLE I COMPTROLLER’S FINDINGS
VIII. THE FORECLOSURE FRAUD, ROBO-SIGNING, & DOCUMENT GAME
IX. WHY FORECLOSURE FRAUD, ROBO-SIGNING, & DOCUMENT DEFICIENCIES EXIST
XIII. PERSONAL KNOWLEDGE OF FACTS IN AFFIDAVITS & WITNESS TESTIMONY
XIV. CASES ON-POINT THAT VALIDATE MY FINDINGS
FLORIDA GREENE CASE
XV. SIMPLIFYING THE SERVICER AFFIANT, AFFIDAVIT & WITNESS PROCESS
EXHIBIT A - MODEL NOTE OWNER AFFIDAVIT™

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Published by: 83jjmack on Apr 13, 2013
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11/20/2013

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mailto:mortgagefrauds@aol.com
 
1Document NameYour Company Name (C) Copyright (Print Date) All Rights Reserved
 
YOU CAN’T TRUST THE MORTGAGE
PAPER TRAIL™
 
“You Must Secure The Collateral/Custodial Files & All Electronic Entries In The‘Lender’s’ Accounting, Financial, & General Ledger Systems & DocumentCustodian’s Tracking System”
Nye Lavalle - - Pew Mortgage Institute
mortgagefrauds@aol.com561/860-7632© 1999, 2000, 2004, 2008, 2011, 2012, and 2013 Nye Lavalle
 
mailto:mortgagefrauds@aol.com
I.PREFACE..................................................................................................................1
II.OVERVIEW..............................................................................................................3
III.BACKGROUND&HISTORICALWARNINGS..............................................................7
IV.DEFININGROBO-SIGNING&ITSPRACTICES.........................................................19
V.2012HUD-OIGMEMORANDUMSONFALSEFORECLOSURECLAIMS,ROBO-SIGNING&SERVICERAFFIDAVITPRACTICES............................................................................20
VI.PROOFOFSERVICERDECEPTION&FORECLOSUREFRAUD...................................23
TAYLORBEAN&WHITAKER............................................................................................................................23
GillisFloridaCase...................................................................................................................................................31
NewYorkCase.........................................................................................................................................................35
OCCCHASECONSENTORDER..........................................................................................................................36
 ARTICLEICOMPTROLLER’SFINDINGS........................................................................................................36
VII.WHYCURRENTSERVICERPRACTICES,PROTOCOLS,EVIDENCE,ASSIGNMENTS,&AFFIDAVITSCAN’TSUPPORTSUMMARYJUDGMENTSFORFORECLOSURESORFORECLOSURERULINGSATTRIAL..............................................................................37
VIII.THEFORECLOSUREFRAUD,ROBO-SIGNING,&DOCUMENTGAME.....................39
IX.WHYFORECLOSUREFRAUD,ROBO-SIGNING,&DOCUMENTDEFICIENCIESEXIST40
X.THE“SYSTEMSOFRECORD”FORMORTGAGESERVICERS,ARENOTNOTEOWNERS’SYSTEMSOFRECORD................................................................................................41
XI.REVIEW&ANALYSISOFTHE“FATALLYFLAWED”FORECLOSURE,ASSIGNMENT,AFFIDAVIT,ANDWITNESSPRACTICES,POLICIES,PROTOCOLS,&PROCEDURESOFMAJORU.S.MORTGAGESERVICERS..........................................................................43
XII.THERIGHT&WRONGWAYTOPREPAREFORECLOSUREAFFIDAVITS&TESTIMONYATTRIAL....................................................................................................................53
XIII.PERSONALKNOWLEDGEOFFACTSINAFFIDAVITS&WITNESSTESTIMONY.......54
XIV.CASESON-POINTTHATVALIDATEMYFINDINGS................................................56
OHIO.............................................................................................................................................................................56
WASHINGTON..........................................................................................................................................................59
FLORIDAGREENECASE......................................................................................................................................61
XV.SIMPLIFYINGTHESERVICERAFFIANT,AFFIDAVIT&WITNESSPROCESS..............63
XV.CONCLUSION......................................................................................................68
EXHIBITA-MODELNOTEOWNERAFFIDAVIT™.........................................................70
 
mailto:mortgagefrauds@aol.com
YOU CAN’T TRUST THE MORTGAGE PAPER TRAIL™
YOU MUST SECURE THE COLLATERAL/CUSTODIAL FILES & ALL ELECTRONIC ENTRIES IN THE “LENDER’S” ACCOUNTING,FINANCIAL, & GENERAL LEDGER SYSTEMS & DOCUMENT CUSTODIAN’S TRACKING SYSTEM
© 1999, 2000, 2004, 2008, 2011, 2012, and 2013 Nye Lavalle mortgagefrauds@aol.com - - 561/860-7632
1
 
I.PREFACE
 This may be one of the most important papers I have written regarding mortgageforeclosures and the mortgage foreclosure crisis we face in America. Since 2007, our nation has been in the midst of the Great Recession and a fiscal crisis we have notendured since the Great Depression. In order for our nation to prosper and move out of this Great Recession, we must fix our housing, mortgage, and securities markets.We must clean house, no pun, and take a top to bottom approach in this effort. To dothis, we must rid our courts of the backlogs of foreclosure cases and bring homes and properties to the marketplace in as smooth a transition process as possible. To do this, wemust reform many industry practices and educate judges and lawyers on how toaccomplish this goal in a constitutionally protected manner. No one and I mean no one should unjustly benefit and be enriched from this morass andthe crimes committed. With this paper I am sure to take some shots from many of myadvocate and foreclosure defense lawyer colleagues and friends who will not like some of what I write here. However, this is an equal opportunity and critical paper. No onedeserves a free house. Any lawyers claiming they will get you a free house need to bereported to the their state bar association.Servicers and corrupt foreclosure law firms should not get a free house either. They must prove up their rights and claims in a constitutionally protected fashion. Short of the death penalty and incarceration, the taking of a human being’s home or property should take beconducted with the utmost of care and caution in the judicial process. The automated androbotic foreclosure processes that have been engineered over the last two-decades must be reengineered to stop the frauds and abuses that have permeated our legal system.Far too many major banks and servicers are getting a free pass to unjustly take away a borrower’s property and getting a free house in the process. The Florida Supreme Courtrecently acknowledged this issue in its decision
1
in the Roman Pino v. the Bank of NewYork Mellon case. The Court, while ruling against the borrower, placed into context theissue when it stated “
the context of the issue as presented in this case arises out of awidespread problem associated with fraudulent documentation filed by various financial institutions seeking to foreclose on real property throughout the state…
Anyone blaming borrowers and homeowners for this crisis has not reviewed the facts andanalyzed the situation correctly. The blame for this crisis lies squarely on the heels of themortgage industry and its lawyers. These frauds were systemic and endemic, not isolatedmistakes and errors. As you will see in this paper, the CEOs and boards of major banksand mortgage companies like Fannie Mae and Freddie Mac were fully aware of thefrauds, but chose to turn a willful blind-eye to the abuse and its ultimate consequences.

1
 http://www.floridasupremecourt.org/decisions/2013/sc11-697.pdf  

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