k44kitties

Hello, I would like to download and print your Foreclosure Fraud - Guide to Looking up Public Records for Fraud document. Thank you for all of your hard work! Kelshine@aol.ocm

dabfl

Thanks for finding our mortgage pool! We have been following others attempts to find their trusts and working on it ourselves for months without finding anything. We thought it was a lost cause. You found it over the weekend. AMAZING. To the community...Please donate to keep Michael researching, as we did. Go to 4closurefraud.wordpress.com to help the cause. I sent him an email with my assig

4closureFraud uploaded a new revision for this document (#19)

4closureFraud

Just returned from Neil Garfields LivingLies Foreclosure Defense Workshop in Clearwater FL as guest speaker. Presented the Foreclosure Fraud Guide to homeowners and attorneys from across the country to a standing ovation. http://livinglies.wordpress.com/ 4closureFraud

4closureFraud

Shark333 In my opinion, there are NO loan mods... It is a temporary smoke screen... Summed up very well today here... http://bit.ly/3G9fuZ 4closureFraud

shark333

wow, just find this site, very helpful. Much like LINPBC, my docket has no assignments, just our sig and notary, no countersigs. We do have a pair of sharp lawyers, one handling mod, the other buying time in court case.... I'm not convinced mod is in our best interest now because of this info. MERS is not listed on the lis pendens paperwork although they are the "nominee for the lender" and the property is in their name on their website.

4closureFraud

The tide is starting to turn....

4closureFraud

Added some minor updates to the Guide

LinPBC

Hi 4closurefraud, Thanks for responding - I got so used to no answers from questions to many supposedly "helpful" sites & organizations that I didn't know what to expect! A rabbit hole indeed. I found one by another route...I looked up the security my property is supposed to be a part of through the SEC. Searched the name of the security from the defendant name on court docs. For my loan, I found: SEC Info - ACE Securities Corp/Home Equity Loan Trust/Series 2006-HE1 - Filings (aka: www.secinfo.com/$/SEC/Registrant.asp?CIK=1353171). Didn't find my specific property but found the filings for the lender I had briefly been passed to. This is a lender for which there is no record of assignment-yet they claim to have bundled my loan in this security. Lots of lovely legal language with SEC requirements that also may have been violated. Check it out if you have the stomach for it. And the time - this could be a full time job, as I'm sure you know from your research. Found your new link and new MERS info - absolutely mind numbing. I tried cooperating and modifying for almost 2 yrs now - think it's time to find me a lawyer. If I can find one that isn't just another foreclosure scam! Thanks for all your hard work! LinPBC

4closureFraud

You answered your own question. they passed me on briefly to another lender (no assignment doc)and they passed me on to a servicing company (no assignment doc). Next doc is the Lis Pendens from HSBC Bank (no assignment doc). And now I'm dealing with servicing company & yet another bank (Wells Fraudgo). It is all a sham, a shell game, fraud. Challenge everything they throw at you. They can not win. Wait til u see the guide 2.0 4closureFraud

LinPBC

4closureFraud, Worked through the informative guide, have a question. What if there are no assignments? MERS doc shows lender I signed on with. However, they passed me on briefly to another lender (no assignment doc)and they passed me on to a servicing company (no assignment doc). Next doc is the Lis Pendens from HSBC Bank (no assignment doc). And now I'm dealing with servicing company & yet another bank (Wells Fraudgo). The MERS doc has only my signature & a notary. Anybody else find this situation in Palm Beach County? LinPBC

4closureFraud

Major update comming to the guide in the next day or so. So much information. Stay tuned and thanks for all the positive support...

nataliasid8

Hello Michael, Thanks for the great guide! I think that, even if a mortgage was assigned to JP Morgan Chase, that investment bank DOES NOT own that mortgage. As you've mentioned, mortgages were pulled together as one "Accounts Receivable" asset, and that asset was then "securitized" , i.e. divided in bits, each bit or "debt security" having less than 1% of that original pool of mortgages. Then, these "debt securities" were likely UNDERWRITTEN by JP Morgan as investment bank. In the final step, JP Morgan SOLD these "debt securities" to the public. Thus, your original mortgage is owned by thousands of public investors, who don't even know or care about any mortgages. All they care about is that those "debt securities" defaulted and are worthless right now. So JP Morgan DOES NOT own your mortgage, but you cannot prove who owns it, because by now the tiny bits of your mortgage changed hands thousands of times. I don't know the legal technicalities of what kind of prove one should present in the foreclosure court, "beyond reasonable doubt" or "preponderance of evidence", but there is a way to establish that it is UNLIKELY that JP Morgan owns your mortgage and that it is LIKELY that JP Morgan DOES NOT own your mortgage. Perhaps, someone can figure out how to establish this proof for the foreclosure court by finding records of interviews with JP Morgan fixed debt securities officers or the Wall Street Journal articles and/or other finance publications. This will be the last piece in preventing anyone’s foreclosure by proving that the foreclosing bank, or Plaintiff, DOES NOT own a mortgage and, thus, DOES NOT have a legal cause of action. Natalia

nataliasid8

Hello Michael, Thanks for the great guide! I thinks that, even if a mortgage was assigned to JP Morgan Chase, that investment bank DOES NOT own a mortgage. As you've mentioned, mortgages were pulled together as one "Accounts Receivable" asset, and that asset was then "securitized" , i.e. divided in bits, each bit or "security" having less than 1% of that original pool of mortgages. Then, these "debt securities" were likely UNDERWRITTEN by JP Morgan as investment bank. In the final step, JP Morgan SOLD these "debt securities" to the public. Thus, your original mortgage is owned by thousands of public investors, who don't even know or care about any mortgages. All they care about is that those "debt securities" defaulted and are worthless right now. So JP Morgan DOES NOT own your mortgage, but you cannot prove who owns it, because by now the tiny bits of your mortgage changed hands thousands of times. I don't know the legal technicalities of what kind of prove one should present in the foreclosure court, "beyond reasonable doubt" or "preponderance of evidence", but there is a way to establish that it is UNLIKELY that JP Morgan owns your mortgage and that it is LIKELY that JP Morgan DOES NOT own your mortgage. Perhaps, someone can figure out how to establish this proof for the foreclosure court by records of interviews with JP Morgan fixed debt securities officers or the Wall Street Articles. Natalia

4closureFraud

All, Just want to say thanks to everybody on all of the positive support... Stay tuned. I think the rabbit hole just got a little deeper... Set up a wordpress blog for everyone to follow my thoughts on all this and to post comments and tips on their fraudulent documents... Lets make this Guide the go to source for the frauds. http://4closurefraud.wordpress.com/ 4closureFraud