Do You Have a MERS Mortgage_Free Intro

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Free PDF file to introduce you to Mortgage Electronic Registrations System which tainted 50 to 80% of all U.S. Home Loans. Total Fraud Machine that has lots of errors which cloud the Chain of Title. Learn how to get your home and land back from corrupted bank & financing systems.

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TABLE OF CONTENTS
Disclaimer About the Author Introduction Step One: Know What Happened to Your Mortgage Step Two: Know Who MERS is and How Your Home was Made Free and Clear Step Three: Know Who Was Affected by MERS at the Closing Table Step Four: Know Who Owns Your Mortgage Step Five: It’s Time to Get Out Your Closing Documents Step Six: Do a Title Search of Your Property Step Seven: What to Do If You Find MERS IN Your Mortgage

Disclaimer
This information is for educational purposes only and must not be interpreted as legal advice. For legal advice you must consult an attorney. Educational information is not the same as legal advice. No legal advice is given in this book. Real estate and foreclosure laws are different in all 50 states. You must check your states real estate and foreclosure laws that apply to your particular situation. MERS, which stands for Mortgage Electronic Registration Systems, hereinafter MERS, and the United States mortgages systems are a very complicated subject and it must be researched according to the state where you reside. Real estate laws vary in all 50 states. This book is educational material for the person who is new to the subject of real estate as it pertains to MERS and mortgages; this is to inform you that only the basic of each subject matter will be discussed in this book. I am not an attorney, and no legal advice is given in this book. If you need legal advice you must consult an attorney of your choice. In America there are laws for judicial states and laws for non-judicial states, only laws that apply to judicial states are discussed in this book. But the other educational material doesn’t change no matter what state you live in. Such as the MERS bifurcation of your mortgage will not change because that happens at mortgage inception. But, if you live in the non-judicial states the foreclosure process is totally different, and the non-judicial process is not addressed in this book, because I live in a judicial state. Keep in mind that the issue as they pertain to what MERS and the mortgage securitization industry has done to your mortgage does not change no matter which state you live in. You must determine if MERS is in your mortgage no matter what state you live in. So the title search educational information may point you in the right direction. You must seek legal advice! It is your responsibility to seek adequate attorney counsel to assist you with the specific judicial, non-judicial, real estate and foreclosure laws in your state. And the application of law is also uniquely different to each individual’s circumstance. I live in Louisiana and our laws are based in part on the Napoleonic Code of Law, unlike the common law of the other 49 states. Although I have tried to make this information accurate as possible you should consult an attorney before you interpret or apply this information to your situation. I am not a lawyer and I do not take any responsibility for any loss to property or any damage arising out of or in connection with the use of this educational information. Again, you are solely responsible for choosing an attorney to represent you in a real estate or foreclosure matter. Use of this information does not create any attorney-client relationship, because I am not an attorney. By reading this book you agree to obtain your own legal counsel to explore your legal options in your specific real estate situation.

ABOUT THE AUTHOR
This is the story of Richie Collins, foreclosure fight with Deutsche Bank National Trust Company.
In 1973 I served in the U.S. Army National Guards, I am a mother, wife, a grandmother and a commodities trader. I am a real estate investor; I'm also a Joomla website developer, a blogger, and I am a native New Orleanian. In 2004 my husband and I purchased a $250,000 home in Louisiana that Hurricane Katrina wrecked. The story of how Hurricane Katrina took the roof off our home while we were all honker down in it is told in the Prologue of the book “Hurricane Season by Neal Thompson.” My husband is a Hazardous Material truck driver earning between $80,000 to $100,000 a year, we could afford the home we bought! But because of the hurricane flooding the roads, he had no work for a while, which caused us to get behind on our mortgage. Our mortgage servicing company Countrywide put us in a mortgage workout program that fell through because they went into bankruptcy. I won’t go into the details of that nightmare. But in 2007 Deutsche Bank National Trust Company, a company we had never heard of, nor did any business with started foreclosing on our home. It is now 2012 and I have by the Grace of Almighty GOD; been able to keep my property out of the hands of this bold thief, who is call; Deutsche Bank America’s Foreclosure King. Google Deutsche Bank America’s Foreclosure King and you'll be surprised at what you find. This company is illegally devastating American communities and no one is stopping them. While fighting them for my home and researching illegal foreclosures, I learned about their LittleBehemoth-MERS-Mistake. I will tell you more about MERS in the coming chapters; but for now MERS is an acronym which stands for Mortgage Electronic Registration Systems. But for now know that MERS is an illegal members-only mortgage registry company created by the mortgage industry in 1997. Its purpose was to completely do away with the paper promissory note and eliminate the need to register the transfer of property in the local court house, as it transferred promissory notes amongst its members. In 2007 when Deutsche Bank started illegally foreclosing on my home I fought them tooth and nail to keep my home out of their hands. I used all the information that I learned in the early 80s during the How to Become a Real Estate Investor craze. One of the things I learned was that here in Louisiana, your property remains in your hands up until the very last second before it is sold at a Sherriff’s auction. Back in the 80s dozens of real estate gurus gave seminars teaching the average Joe and Jane how to

become a real estate investor in their spare time. One of the things vigorously taught in these seminars was how to do a public search of any property. It’s called a chain of title search, it’s free to the public and it’s done down at your local county court house. These seminars paid off for me because I learned things about real estate that I never knew existed. This knowledge transformed me from a renter into a homeowner. And now this knowledge is helping me maintain control of my property and keeping it out of the hand of Deutsche Bank the thieving foreclosure king, who I had never done any business with. So, why is this company trying to seize my home? The first thing I did was search my chain of title at my local parish records. Here in Louisiana we have parishes not counties. In my searched I was looking to see if Deutsche Bank was in my chain of title, and if they were, how did they get there? Well, as old Gomer Pyle would say’ “Surprise, Surprise, Surprise”, in my search I found two, yes two forged Assignment of Mortgage documents for my one “promissory note”. That’s right, two assignments for the same note. Now I knew from a NMII or the National Mortgage Investors Institute class I took back in 1993 that there can only be one note holder at any given time. Two entities can not possess the same mortgage promissory note simultaneously. Deutsche Bank National Trust Company As Trustee For GSAMP Trust 2005-HE2 Mortgage PassThrough Certificates, Series –HE2 is the legal name they used to sue or foreclose on me, But here after I will refer to them as just Deutsche Bank. Using a forged assignment of mortgage document Deutsche Bank filed a Petition to enforce a Security Interest by Executory Process as it’s done here in Louisiana we are a Judicial State. This means before they can take my property, they Deutsche Bank, have to take me to court, where I get a chance to defend myself against their illegal foreclosure. Now, Deutsche Bank claims to have allegedly acquired the same promissory note from two different assignors in two different years. These two assignments of mortgage were filed in my local parish court house. They named two different assignors for the same promissory note. In 2007 Deutsche Bank filed its first alleged assignment of mortgage against me. It was an alleged assignment of mortgage from assignor MERS, as nominee for Acoustic Home Loans, LLC supposedly “transferring” my promissory note to Deutsche Bank. Using a few options that were available to me at the time I manage to stop them at the gate, so to speak. The first option I used was the organization ACORN which at the time was helping homeowners in my area to stop foreclosures and assist them with a mortgage workout plan. It worked for a while. When that started to wane because of Countrywide’s internal issues, I searched for another way to save my home. While doing one of my in depth internet searches, I learned that Senator John Edwards of Virginia would be in New Orleans at a Habitat for Humanity event. So I decided to attend his Habitat for Humanity function and see if he knew of any programs that could help me save my home from Deutsche Bank. Well when I got there the cameras were rolling on him; I saw Sen. Edwards from afar and decided to position myself right in his path so when he approached me I would ask him about any possible foreclosure programs in my area. When he got to me I held out my hand to shake his hand and when he shook my hand I popped my prepared question to him, and to my surprise he said he would get me some help.

He called out and signaled to a gentleman that I guess was an associate of his, when the man stepped up he told him to take me to the side and assist me with my foreclosure. He was an attorney and he did what all foreclosure attorney’s do these day’s they help you file a Bankruptcy. That’s because they don’t know anything about the modern day systemic mortgage fraud that is sweeping the country; and it’s happening right under their nose. And the mortgage industry would like to keep it that way, because this allows them to operate their foreclosure fraud operation uninhibited. Well this gentleman was an attorney and he did assist me with my foreclosure. But that only worked for a while and it wasn’t long before the dogs (Deutsche Bank) were after me again. And in 2010 Deutsche Bank filed its second alleged assignment of mortgage. It was an alleged assignment of mortgage from assignor Acoustic Home Loans, LLC supposedly “transferring” the same above promissory note to Deutsche Bank again in 2010. Mind you now, Acoustic Home Loans, LLC went out of business in 2006.Now folks, I am no fool and my early days in the real estate business let me know that there is something fishy going on here. Here are a few “Red Flags” popping up in my head. Why would Deutsche Bank acquire the same promissory note twice from two different entities? How can Deutsche Bank acquire my promissory note in 2007 and again in 2010 from my original lender when my original lender went out of business in 2006 according to the California Secretary of State records? By now it is becoming obvious that these alleged assignments are illegal, and shows evidence of several issues of fraud. So I began my search to find out what was going on with the “chain of title” to my property. I knew for a fact that Acoustic Home Loans, LLC was the named lender and the current holder of the promissory note and to my knowledge did not sell or transfer my “promissory note” to another entity according to my local court house records. I knew for a fact that Deutsche Bank was not the name lender on my promissory note, Acoustic Home Loans was. So who are they? And why are they foreclosing on my home? How can they do that? I got copies of my chain of title from my local court house and studied it and I found entries that made references to Deutsche Bank. Deutsche Bank had illegally obtained a Writ of Seizure and sale twice using illegal-fabricated-fake-forged documents to bring a foreclosure action when it was not the “real party in interest” of my mortgage and promissory note. Foreclosure of a mortgage may not be brought by one who has no title to it, Google this case online: Kluge v. Fugazy. After obtaining copies from my court house of these illegal-fabricated-fake-forged documents that Deutsche Bank used to obtain what is known in my judicial state as a Writ of Seizure to auction off my property, I examined them and I found that they were racked with errors and fabricated information. Another big question that stood out in my mind at the time was, why would these two companies; one located in Orange, California, and the other one located in Reston, Virginia, fly down to Collin, Texas and Dallas, Texas to notarize these alleged assignment of mortgage documents on a property located in La Place Louisiana. What? We don’t have any notaries down here in Louisiana? Something fishy is going on here? After doing my search I was left with more questions than answers. So I began to dig deeper. I spent months and months and long hours researching illegal foreclosures by the Gangster Banksters! And what I found was mind boggling! How could this be? How could this country allow all this massive illegal activity by the mortgage industry to go unchecked? The people in charge are either asleep at the switch or they are stealing this train too, and we are not headed in the same direction.

There was only one thing I knew for sure, and that was Deutsche Bank did not and could not own my mortgage note. I had to find out what was going on. From Deutsche Bank own filings in these foreclosure action, Deutsche Bank established that a person other than them was in fact the true owner of my mortgage and promissory note. I knew they were not the proper “party in interest.” So they could not legally according to Black-Letter-Law be the proper authorized party to bring a foreclosure action against me, and they were not in possession of my note at the time of filing each petition, as the law requires. Google this case In re: Shelter Development Group, Inc., 50 B.R. 588 (Bankr.S.D.Fla. 1985) Again, that raised all kinds of red flags (questions) in my head! This is really how my research started! All kinds of questions are now racing through my head.    Who is this company? How can they get an assignment in 2010 from a company that went out of business in 2006? How come I never received what is known in the mortgage industry as a “Hello Goodbye Letter” from this new lender telling me it was the new owner of my mortgage note?

According to the law, the old note holder and the new holder are required to notify the homeowner in writing when loan or loan servicing is traded this is required under the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. ? 2601 et seq. So, I called my present mortgage servicing company Countrywide to find out who was this company Deutsche Bank? But they could not help me and did not know anything about Deutsche Bank. The nagging question who is Deutsche Bank? Stayed in my head! This is the “Red Flags” that my mother use to tell us about. Now, I have mad internet skills that I got from running a well organized homeschool where I homeschooled about 20 children using the internet as my sole school resource, back in the 90s. I remember I purchased my first school computer a 286 IBM with the DOS operating system back in 1989; back then you had to learn DOS if your computer malfunctioned and AOL was your only gateway to the internet. So I know how to dig deep into the visible and the invisible internet to find what I am looking for. As I began my search, the old song from the movie The Wizard of Oz “Follow the Yellow Brick Road” kept ringing in my head. I began to search the internet for answers to all my questions. It was during this extensive research that I discovered the mortgage banking industry quest for trillions of dollars to be made from e-commerce through the establishment of a paperless mortgage system, called the eMortgage, which would eventually morph into their quest for the eMortgage Utopia, but it was the erection of their god The Wizard of MERS that led them to massive systemic foreclosure fraud that stretches across all 50 states. Now it wasn’t until after I had done quite a bit of research that I found out about the MERS “wizardry” that takes place at the closing table. This “wizardry” takes place the moment you and I signed our closing documents. There was an unknown “third party” at the closing table that I was unaware of at the time, and so were you. Unbeknowance to you and I MERS becomes the “nominee for our lenders” at the closing table then

the illegal “Bifurcation of our Mortgage” takes place, I’ll explain what Bifu rcation means later along with other illegal things that happened to our mortgage that we didn’t know about, and the games of securitization that are unknown to you and I (the homeowner) begins. During my research I’ve come across this quote from the MERS website regarding the reason MERS was created, this quote shows up at the beginning of thousands upon thousands of online articles, “MERS was created to streamline the mortgage process by using electronic commerce to eliminate paper.” But this quote is grossly understated, vague and incomplete. After research I’ve found there is only two reason MERS was created.

MERS was created to:
1. Completely do away with the paper assignment. 2. Eliminates the need to pay the fees required by each local recording office when a promissory note is transferred to another party. MERS purports to acts as “nominee of record” and as “mortgagee of record” for its member lenders in county land records, so the legal mortgagee interest in the land records never changes when the loan, the (IOU) the promissory note, is traded. MERS is said to track ownership interests and servicing rights for these members. But you will learn the opposite takes place, it has absolutely nothing to do with the benefits of the homeowner, except to clouds their title. I would say that MERS has some “Chutzpah” if you ask me! In my opinion, MERS should not have the right to hold legal title to 70million plus American Properties. When you do extensive research on MERS reason for existing, you will be utterly taken back by what you find online. I know I was left in amazement at what I found. All I can think of is who’s looking out for the American People? Surely not the Congressional United States Banking Committee. We have been sold-out! How can they do this to us and get away with it? Who’s guarding the candy store called America? I know; Greedy Business Men! How can elected officials that sit on the Unites States Banking Committee live with themselves? They gave the approval to the lobbing mortgage banking industry and over the years allowed this illegal activity to fester and go unchecked! How can they allow one company, a small privately held software database company, which has fewer than 50 employees “snatch and grab” legal title to over 70 million plus American homes? And at the same time reek-havoc on millions of American families by turning what was once a legal foreclosure system into a massive criminal enterprise that has fraudulently divested millions, upon millions of American families out of their life’s investment, their homes. Foreclosure fraud brings about Illegal Foreclosures by The MERS Mortgage Mafia! (I will tell you who The MERS Mortgage Mafia is in the next section.) I have only one question for each member of the United States Banking Committee. How can you live with yourselves?

Introduction
NOTE: MERS and United States mortgages are a very complicated subject and must be researched according to the state where you reside. Real estate laws vary in all 50 states. This book is educational material and meant to be informative as it pertains to MERS and securitized mortgages; but only the basic of each subject matter will be discussed in this book. I am not an attorney, and no legal advice is given in this book. If you need legal advice you must consult an attorney of your choice. Guess what America? If MERS is in your mortgage you have what I call “The MERS Mistake®” in your mortgage and your property is now free and clear and foreclosure proof. This means that no one can legally foreclose on your home, if you decided to stop paying your mortgage for whatever reason, and you got competent legal representation who understood the current illegal foreclosure defenses you will need to defend yourself in a court of law. And if you’re not in foreclosure and you are current on your mortgage you still need to know if MERS is in your mortgage so you can file the proper legal action in court and/or do what is known as a “Quiet Title” to get the old unenforceable MERS mortgage extinguished from your property title. Here are some shocking questions for you, but keep in mind that these events have already happened to other American homeowners:      Did you know you may be paying the wrong mortgage company? Did you know that there can now be claims made that you owe more than one mortgage company? Did you know that you could be sued twice for the same mortgage? Did you know that after paying off your mortgage you will have a clouded title? Did you know that it is now possible that if you paid all cash for your home or land you can still be accused of owning a mortgage when you don’t?

These events listed above have already happened to homeowners all across this country. And now title companies in some states are refusing to insure titles with MERS as “mortgagee of record”. All because of a little-behemoth privately held mortgage registry company call MERS!

The Little-Behemoth Company
I call it “little” because it has less than 50 employees, but at the same time it is

purported to hold “legal title” to 70 million plus American properties making it a behemoth company. What an oxymoron! I also call it The MERS Mistake®, this I will explain later in this book.

It’s News When a Company Gets on the CBS News 60 Minutes TV S how
Well, on April 3 2011 the well known - CBS News 60 Minutes TV show anchored by Scott Pelley did a piece call “Mortgage mess: Who really owns your mortgage?” Its sister show 60 Minutes Overtime broadcast did another piece called “The next housing shock!” You can find the videos of these shows online with a Google search, just type in the shows above caption. CBS News anchor Scott Pelley’s called it an “epidemic of forged and missing mortgage documents used by big banks.” WHAT? Yes, 60 Minutes discovered that the largest banks in this country chose fraud and forgery to fix their MERS missing document problem. I like to call it their “Little-Behemoth-MERS-Mistake”. I call it that because I’ve hear this stated as a little technical problem, but having MERS in a mortgage is no little technical problem but has huge implications for 70 million plus homeowners across America. Believe it or not, but having MERS as mortgagee of record has made your mortgage unenforceable along with 70 million plus other mortgages in this country.

The 60 Minutes show tells its viewers about:
The banks creating MBS which stands for mortgage-backed-securities, then they hired Robo-Signers to forge their missing mortgage assignment documents, then these forged documents were filed in courtrooms all across this country, literally stealing American homeowners’ properties. It tells its viewers about the banks missing documents they need to foreclose on a defaulting homeowner. But the problem I have with these two 60 Minutes pieces is that they never mention the word MERS! What the 60 Minutes show doesn’t tell it’s viewers it that a privately held company call MERS is the reason for all those “missing documents”! MERS, which is the acronym for Mortgage Electronic Registration Systems, (here after I will just call it MERS) is the reason that these giant mortgage companies have no mortgage documents needed to foreclose on properties! Never once does Scott Pelley mention the company call MERS, which has turned out to be the mortgage industries dirty little open secret, MERS is the biggest mistake in the history of this country and the mass media is not touching it!

Do You Remember the Old Saying “If it ain’t broke don’t fix it”?
Well the mortgage industry wasn't broke when the industry giant’s Fannie Mae, Freddie Mac and The Mortgage Bankers Association of America got a greedy idea to create an electronic mortgage, they call it the eMortgage. This new mortgage system allowed them to bundle these eMortgages (as they call it) by the thousands into a securitization scheme. I’ll explain securitization later. This would openly but

secretively overhaul America’s present mortgage system as we know it. But for them, it would immediately produce "trillions in profits instead of billions in profits for the MERS member lenders.

What the Average American Homeowner Doesn’t Know
The average American homeowner doesn’t know is that the American mortgage industry has under gone a massive open but yet secretive over haul that has negatively affected their mortgages. The mortgage industry at one time operated on honesty and transparency when it came to the residential mortgage. After all, the homeowner was once considered the backbone of the American economy, but not anymore. The residential mortgage has been turned into residential mortgagebacked-securities and bundled by the thousands into bond certificates. This means our mortgage promissory notes are now bond-certificates and not promissory notes anymore, and these bond-certificates have been sold on Wall Street to Investors! And the average homeowner knows nothing about it. They think that we’re operating under the old traditional 30 year mortgage system. But we’re not, that has all been changed by the mortgage industry giants. Now days the mortgage companies have strayed far away from the honesty and transparency traditions they once held. Their main focus was once the needs of the homeowner, but in the past 24 years they have switched that focus to benefit themselves. All the while outwardly claiming that all the changes they’ve made benefits the homeowners, nothing can be further from the truth, all of the inward changes they’ve made only benefits the biggest players of the mortgage securitization industry.

The Mortgage Industry First Open Secret the Wizard MERS
In 1997 the mortgage industry openly but secretively changed the American residential mortgage system from a two party system which formerly included two entities, the lender who is the mortgagee and the borrower who is the mortgagor. We now have a three party system when it comes to mortgages, but the third party is a ghost that is hidden within the four corners of the mortgage document. This third party is seated at the closing table and the borrower doesn’t know that this third party is there. The only person at the closing table that knows about this new third party hidden entity is the lender, or the mortgagee you obtained your loan from who is most likely a member of MERS. More on this subject later. Now, throughout this book I will be quoting recent mortgage and foreclosure cases that have been won in courtrooms all across this country. Yes, American homeowners are winning in court because of the illegal system call MERS that have been erected by the mortgage securitization industry. Now let me say the American homeowner have the law on their side and it’s showing up in very big supreme court cases, which

establishes legal precedent for the rest of us to follow. Now back to the subject. Here is how New York’s Bankruptcy Judge Robert E. Grossman described this change, this newly added ghost at the closing table in the American residential mortgage system. He calls it a “third party”; this is a quote from one of his recent cases, 2011 Feb 10In re Agard, U.S. Bankruptcy Court, Eastern District of New York, No. 10-77338 (Google the case caption)

“In the most common residential lending scenario, there are two parties to a real property mortgage – a mortgagee, i.e., a lender, and a mortgagor, i.e., a borrower. With some nuances and allowances for the needs of modern finance this model has been followed for hundreds of years. The MERS business plan, as envisioned and implemented by lenders and others involved in what has become known as the mortgage finance industry, is based in large part on amending this traditional model and introducing a third party into the equation.”
MERS is that third party but, MERS is neither a borrower nor a lender, but rather purports to be both “mortgagee of record” and a “nominee for the mortgagee”. Who knew a privately held registry database company called MERS was there hiding within the four corners of the borrowers mortgage documents? After all of my years of buying real estate in this country, I didn’t know that the documents I signed at the closing table included a third party secret entity call MERS! Did you know that? I didn’t! Not only was MERS there, but did you know that you the borrowers sign a disclosure and paid a $6.95 fee to place or register your loan into the MERS eRegistry system? And upon signing your mortgage document, those documents named MERS as mortgagee of record, instead of your actual lender/creditor? Did you know upon signing your mortgage document you the borrower legally/illegally, gave MERS the right to assign your mortgage to anyone? And you also gave MERS the right to foreclose on you in the event you defaulted? Even though MERS is not your originating lender, MERS is not a lender at all. Did you know all this? I didn’t! In the upcoming chapters I will be telling you more about this “ghost at the closing table” call MERS. Why is MERS there? And how did they get there? I will also be explaining the events that took place at your closing table that was kept from you. I will be explaining the BASIC securitization process a new mortgage system that was openly but yet secretively implemented over the last 12 to 14 years. And the average borrower doesn’t know anything about it. The time has come for the American homeowner to wake up and get out their mortgage closing documents to see if MERS is in their mortgage? Then, find out what they should do if they find MERS in their mortgage. Keep in mind that, if MERS is in your mortgage, your mortgage has been made free and clear and foreclosure proof, because of The MERS Mistake. I’ll explain what the MERS mistake is later in this book.

Know What Happened to Your Mortgage
“My People Parish for the lack of knowledge” Hosea 4:6
Note: The depth of subject matter in the chapter is in no way meant to be exhaustive, but rather just enough to open your eyes to things you may not know about your mortgage or the subject being discussed in the following Steps. It will be enough to get you started in the right direction researching your mortgage. But you must do your own internet research into what has happened to your mortgage. This is not legal advice if you need legal advice contact an attorney in your area. You are responsible for protecting your own home.

Millions of American Homes Lost to The MERS Mortgage Mafia
It's hard to believe that since 2004 millions of Americans have already lost their homes to an illegal foreclosure because of three factors: 1. They assumed that the lender foreclosing on them had the legal right to do so, when they didn’t. 2. They didn’t have the money needed to hire a lawyer who knew how to defend an illegal foreclosure. 3. They don't know that they can fight and represent themselves in court as a Pro Se and contest their foreclosure in court. Statistics show that 95% of homeowners will not contest their foreclosures; and they don’t know what a “quiet title” is, which they’ll need if they find MERS in their mortgage. Through my research I’ve come to believe homeowners will not get competent legal representation these days anyway when it comes to mortgage fraud foreclosures because the current breed of lawyers know nothing about the systemic mortgage fraud that is happening all across this country. Therefore the homeowner is without help when it comes to fighting an illegal foreclosure or a quiet title fight. The only solution or legal advice attorneys are giving homeowners today is for the homeowner to file a bankruptcy. And, it is this lack of legal financing and widespread ignorance that the mortgage industry is successfully monopolizing on, and stealing homes they have no rights to. Why don’t they have legal rights to these homes? Because one, they have no standing

and two they have no ownership documents. They destroyed the very documents they would later need to state a foreclosure claim in court, according to the current real estate laws in this country. Homeowners must educate themselves and understand that the current real estate laws make it impossible for The MERS Mortgage Mafia to foreclose on them because most current state laws favor the position of the homeowner. You see, this new mortgage securitization business model hidden in the belly of MERS required them to destroy the documents they would later need in court; here is the slogan from the MERS website, "Process Loans Not Paperwork" This slogan gives you a glimpse into their mindset! Their new securitization business model , I call it their “Cosa Nostra”, by law required them to destroy the promissory note after they digitized it and securitized it, and made it a bond. You see according to SEC securities laws the promissory note and the newly created bond cannot exist at the same time. This would violate Securities Laws, so one had to be destroyed! But I don’t want to get ahead of myself here; I am going to tell you all about their well cloaked new mortgage securitization scheme later. But first to the naysayers!

The American Homeowner is Not a Deadbeat
The most important thing the media never mentioned when they talk about the foreclosures in America and call American in foreclosures “Deadbeats” is that these “American homeowners” were preyed upon by the mortgage securitization industry and given predatory loans that they knew would fail from the start. These predators dropped all of their underwriting guidelines that are normally in place, because they wanted these loans to fail so that they can collect trillions from insurance companies at least three times over on these so called-sub-prime loans. These homeowners have children, and some have their elderly and family members with special needs, yet they are still being illegally thrown out of their homes, and there is no outrage in this country regarding this illegal activity. Borrowers have families too! But the mortgage industry doesn’t care about the displacemen t of all these American families. These families have the constitutional rights of due process that’s being violated by greed and mortgage securitization fraud. Yes, the homeowner has a legal obligation and responsibility to pay back their mortgage loan and that is a fact; but it is also a fact that the homeowner is not obligated to pay the wrong lender. This is the secret mortgage securitization fraud that is silently sweeping this country. Often time this lender is a secret SPV (which stands for special purpose vehicle), tax free REMIC Trust, REMIC stands for Real Estate Mortgage Investment Conduits, which are special purpose vehicle formed between 1997-2008 for the sole purpose of evading taxes and this lender is not named on the homeowner’s promissory note, and they have never done any business with them. Therefore they are not obligated to pay the wrong lender. This trust SPV is not their creditor or original lender. Recently a Miami-Dade Circuit Court Judge Jennifer Bailey sent a message in her court room to every lender who presupposes that, simply being owed money by a borrower is enough to

circumvent laws. In 45 of our 50 states you cannot be a mortgagee unless you are the creditor. Yet on every mortgage instrument in all 50 states MERS is named as “mortgagee of record”. The dictionary defines mortgagee as the person or business making a loan that is secured by the real property of the person (mortgagor) who owes him/her/it money. Americans did not borrow, obtain, acquire or get their loans from these newly formed trust SPV’s or MERS! And MERS is certainly no creditor. Here’s a courts case quote regarding the authority or the powers of MERS in the mortgagor/mortgagee relationship from the Arkansas Supreme Court in March 2009 Wilmans v. Sears, Roebuck & Co., 355 Ark. 668, 144 S.W.3d 245 (2004). Mortgage Elec. Registration Sys. v. Southwest Homes of Ark., 2009 Ark. 152, 7-8 (Ark. 2009)

“MERS holds no authority to act as an agent and holds no property interest in the mortgaged land. MERS has no interest to protect. It simply was not a necessary party. See Ark. R. Civ. P. 19(a). MERS’s role in this transaction casts no light on the contractual issues on appeal in this case.”
MERS has no interest in your mortgage despite it assigning itself as “mortgagee of record” for your lender which is the true mortgagee. MERS represents its bank member lenders but has no direct financial interest in the loans. So how can MERS hold legal title to 70 million plus mortgages and become their “mortgagee” when it holds no legal interest in these loans? MERS has no legal interest, but yet it has brought illegal foreclosure actions against millions of American homeowners in its own name. How can they do that? Well, read on and I’ll tell you! This is secret illegal activity against American ignorance at play here. This is the sad state of the modern day mortgage industry that has chosen to operate a mafia like criminal enterprise. They remind me of the old TV program called The Untouchables, that ran from 1959–1963, where the US Treasury agent Eliot Ness sets out to stop the Sicilian Mafia Al Capone family criminal machine. The American Mortgage Industry is presently engaged in massive systemic criminal activities similarly to those of The Italian Mafia of old. They too have a La Cosa Nostra! La Cosa Nostra means “this thing of ours” and the mortgage industry “thing” is the new fraudulent “mortgage securitization scheme” they’ve put in place in the last 10 years. So they deserve a name befitting of their criminal mortgage activities in this country. Therefore, I’ve given the mortgage industry a new title:

“The MERS Mortgage Mafia the La Banca Cosa Nostra, the 21st Century Loan Sharks”
From hereafter I will refer to this new mortgage securitization industry as The MERS Mortgage Mafia. Well just like the previous mafia, this mortgage mafia group has literally stolen homes from vulnerable American families caught up in various economic situations. The MERS Mortgage Mafia is robbing American homeowners of their most valuable possession, their homes!

So how can MERS hold legal title to 70 million plus mortgages and become their “mortgagee” when it doesn’t make loans, and it doesn’t take possession of a single promissory note? Well MERS manage to hold title to the vast majority of properties in this country because back in 1997 the mortgage securitization industry used Fannie Mae to change the mortgage loan application document homeowners used in obtaining mortgages. Then they changed some, not all, of the laws that governed mortgages, this allowed them to create a totally new system that benefits only the mortgage securitization biggest players. The bloggest spheres call them the “Gangster Banksters” because of their illegal activities across this country!

The Gangster Banksters are Winning Because of the Homeowners Ignorance
These Gangster Banksters are not playing fair when it comes to obtaining a mortgage these days, they have openly but secretively made significant changes in the mortgage industry that the average American seeking mortgage financing doesn’t know anything about. I am going to tell you about the changes the mortgage industry have made to the mortgage system, but made no efforts to make these changes known to the general public. But courtrooms all across America has rejected this new theory of MERS within the modern day mortgage industry; to replace the assignment of mortgages and the manual clerk of court recording system, which has been practiced in this country for centuries, and which is indeed sufficient, and totally legal I might add. The mortgage industry is not playing by the rules anymore. They are currently prevailing as they operate outside the real estate laws of this country, when it comes to securitized mortgages, clear title to property, and the foreclosure process. The Gangster Banksters as they are called online, created MERS for their own personal use, and make no mistake about this MERS is not a creation of any law, statute or ordinance establish in this country. Here is what Judge Robert E. Grossman said about MERS in his ruling in the case dated 2011 Feb 10In re Agard, U.S. Bankruptcy Court, Eastern District of New York, No. 1077338 Google this. “The Court recognizes that an adverse ruling regarding MERS’s authority to assign mortgages or act on behalf of its member/lenders could have a significant impact on MERS and upon the lenders which do business with MERS throughout the United States. However, the Court must resolve the instant matter by applying the laws as they exist today. It is up to the legislative branch, if it chooses, to amend the current statutes to confer upon MERS the requisite authority to assign mortgages under its current business practices. MERS and its partners made the decision to create and operate under a business model that was designed in large part to avoid the requirements of the traditional mortgage recording process. This Court does not accept the argument that because MERS may be involved with 50% of all residential mortgages in the country, that is reason enough for this Court to turn a blind eye to the fact that this process does not comply with the law.” Did you get that? MERS is does not comply with the law! And 99.99% of all American homeowners are ignorant to this fact. So The MERS Mortgage Mafia is taking advantage of this widespread American ignorance which is costing them and this country dearly!

While digging into the mortgage securitization industry illegal activities and fighting for my home, I have identified four groups of Americans that’s being taken advantage of. They meaning The MERS Mortgage Mafia are feeding off the ignorance of these four groups, which has allowed their criminal enterprise to flourish untouched by the rule-of-law. And it’s through this ignorance millions have lost their homes and if this doesn’t change soon it is predicted that 13 million more will lose their homes to the illegal activities of The MERS Mortgage Mafia in 2012.

The Four Groups that are Ignorant to the Activities and the Operations of The MERS Mortgage Mafia
1. The ignorance of the general public and the captured TV audience that repeats whatever they’ve heard on the TV shows about the “dead -beat homeowner” this name was assigned to the homeowner by the mainstream media, as per the talking points of The MERS Mortgage Mafia. The ignorance of the homeowners that's current on their mortgages as well as the ignorance of the homeowners that are in or nearing foreclosure. This group doesn’t know what MERS has done to their mortgage, MERS is in their mortgage and they are in the dark about the current state of their mortgages. They think we are still operating under the old traditional 30 year mortgage system, but we’re not. And they don’t know it! The ignorance of the Judiciary who is unaware of the massive changes in the mortgage industry as it pertains to the current real estate laws that govern mortgages, deeds of trust and the promissory notes. Some judges that are currently presiding over foreclosure and quiet title cases are in the dark about the new mortgage securitization process that most mortgages have gone through since 1997. They operate under the old traditional mortgage process that has been done away with by the modern mortgage securitization industry. The ignorance of the Attorney’s that must represent the homeowner ’s don’t know anything about the massive systemic mortgage fraud that is sweeping this country. They are unaware of the sea of forged documents that’s presented in courtrooms across this country, and the legal defenses that are available to the homeowner, such as standing, securitization fraud and unclean hands when it comes to fraudulent documents, fraud upon the court because they filed fake forged documents with the court which they base their foreclosure case on. They are deceiving the presiding judge. Therefore a lack of knowledge is depriving the American homeowner of competent legal representation.

2.

3.

4.

The ignorance of these four groups is presently keeping The MERS Mortgage Mafia in business. They are striking while the iron is hot. But, they will eventually get caught and this modern day corrupt mortgage industry will be brought to its knees by its own crimes and greed! Remember, “Power and greed corrupts; absolute power and greed corrupts absolutely!”

Know What Happened to Your Mortgage! What did they do to your mortgage that you don’t know about?
“MY WHAT TANGLE WEB GANGSTER-BANKSTERS WEAVED WHEN THEY STUDIED TO DECEIVE AND DEFRAUD THE AMERICAN PEOPLE”

Americans are unaware of the pervasive systemic mortgage fraud that is happening throughout this country. They do not know what has happened to their mortgages. They don’t know how many times their mortgage have been sold on the secondary market within the MERS system. When it comes to mortgages you are in one of two categories. You’re either current or you’re behind on your mortgage.   You are either current or You are behind on your mortgage.

In either situation MERS could be in your mortgage and you don’t know it! Having MERS in your mortgage has made your mortgage a legal “nullity” and it’s unenforceable. The ordinary individual busy with everyday life is totally in the dark when it comes to the state of the mortgage that’s on their home or land. They don’t know who owns their mortgage and this lack of knowledge will come back to haunt them in the future.

The Mortgage Industry Second Open Secret, The MERS Mistake
The MERS Mistake is the mortgage industry second open secret. Back in February 2011 they knew they messed up with MERS when court rulings across this country begin to mount up against MERS. They knew they had The MERS Mistake. The MERS Mistake is their failed securitization scheme. The MERS Mortgage Mafia scheme was for one privately held company (MERS) to hold legal title to every mortgage in the United States. But that didn’t happen, their mortgage securitization scheme backfired on them, and instead they Bifurcated, Securitized and Renunciated every mortgage that is recorded into the MERS eRegistry database. The mortgage securitization industry knew that MERS was their big mistake because MERS, Fannie Mae and Freddie Mac all issued announcements that they would no longer file any legal proceedings in MERS’s name. And MERS itself amended its membership rules to stop all MERS member lender certifying officers from starting foreclosures in its name,

anyone who did that would be sanctioned according to MERS

rules they agreed to abide by. Here are the names of those announcements:  Fannie Mae Announcement SVC-2010-05 (Mar. 30, 2010)  MERS Announcement No. 2011-01 (Feb. 16, 2011)  Freddie Mac Bulletin No. 2011-5 (March 23, 2011, effective April1, 2011). You can Google the name of anyone of these announcements. That’s what I call The MERS Mistake! Folks, that’s called unintended consequences! Now, they know they’ve screwed up and the law is on our side.

The Mortgage Industry Third Open Secret, the MERS Legal Nullity of 70 Million Plus American Homes
This MERS eRegistry had unintended consequences that wasn’t in their plans. 70million plus mortgages in the United States have all been made a legal nullity and they are already set free from their secure debt! And American homeowners don’t know this. It’s the secret of the MERS eRegistry! This is where the Bifurcation of millions of mortgages took place. Mind you I said took place! Yes it has already happened and your property is already free and clear! According to the U.S. Supreme Court. This is a legal principle which is centuries old that was put in place in 1872 by The United States Supreme Court in the case Carpenter v. Longan, a legal precedent that still stands to this day. MERS was assigned only the mortgage and the originating lender was assigned the note, literally splitting the mortgage and the promissory note at inception, making these mortgages a legal nullity at inception. Here’s that Supreme Court’s case decision: Carpenter v. Longan, 83 U.S. 271; 21 L. Ed. 313; 1872 U.S. LEXIS 1157; 16 Wall. 271 (U.S. 1873).

“The note and mortgage are inseparable; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity.”
Here’s another Court case decision regarding the splitting of the mortgage from the promissory note which is a legal nullity: First Nat Bank v. Vagg, 65 Mont. 34,212 P.509,511 (Mont. 1922)

“A mortgage, as distinct from the debt it secures, is not a thing of value not a fit a fit subject of transfer, hence, an assignment of the mortgage alone, without the debt, is nugatory, and confers no rights whatever upon the assignee. The note and the mortgage are inseparable, the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while the assignment of the latter alone is a nullity. The mortgage can have no separate existence.”
Therefore, 70million plus mortgages have been made free and clear & foreclosure proof, because only the mortgage was assigned to MERS at inception, while the accompanying promissory note went in another direction, it was assigned to the original lender.

It Hurts When You Don’t’ Know
Americans don’t know that 86 % of all the mortgages in the United States are allegedly owned and held in bankruptcy remote real estate trust’s, or an SPV’ tax free REMIC Trust, which stands for a special purpose vehicle, and REMIC stands for Real Estate Mortgage Investment Conduits. They are securitization vehicles. This too is an in-depth subject, but here I am only going to share what you need to know to get you started. You must do your own research on these subjects to defend your home. Americans are ignorant to this fact. But yet this fact affects the mortgages on their homes. This is where the renunciation and the securitization take place, and this is illegal. Americans have been fleeced again, but this time by four groups within The MERS Mortgage Mafia, who has no respect for the rule-of-law or due process under the US Constitution. The harm and abuses that has happened to the American homeowner by the mortgage industry securitization process is insignificant and certainly unimportant to them they have placed profits, expediency and convenience before following the law. And in their world “due process” doesn’t exist! They are a well knit group that’s held together by their greed and profits.

The four groups within The MERS Mortgage Mafia are
    The eMortgage Utopia Group, The GSE Group, (GSE stands for government sponsored enterprises) The Securitization Group The Forgery Mills Group

The eMortgage Utopia Group
This group started back in the early 80s with the dream of this industry earning trillions of dollars from the securitization of millions of mortgages into a product they

call the eMortgage. This group put together “mortgage workgroups” that would work tirelessly to create data standards that would allow their computers to all speak the same eMortgage language. This new system would allow computers through eCommerce to work together seamlessly with The GSE Group, who by the way controlled the mortgage instruments they needed, to bring about the second part of the mortgage transaction called the new eNote. This eNote would replace the old paper promissory note and the eMortgage to replace the old mortgage this would allow them to reach what they called the eMortgage Utopia!

By the time the 1990s arrived they were still working to bring about their eCommerce eMortgage solution that would take advantage of the internet’s eCommerce power. By 1997 most of the pieces were in place for them to launch their new electronic system for buying and selling mortgages amongst themselves on the secondary market. Their newly created electronic mortgage recordation system and eVault system was called MERS; again, which stands for Mortgage Electronic Registration System, remember that name. I call it the mortgage scam of the century! This is where the Bifurcation of 70 million plus mortgages began; this is the first step to their new innovative mortgage process they called the process of Securitization.

What is securitization?
Securitization a process of pooling thousands mortgages into a trust and selling the income from the trust to investors on Wall Street Casino. Securitization as it pertains to mortgages is taking thousands of , (between 2000 to 8000) newly originated mortgages and placing them into or passing them through a

series of SPV’s or Special Purpose Vehicles. Which are bankruptcy remote shell corporations, then converting these thousands of mortgage promissory notes into pass-through bond certificates, hence the names pass-through certificates. For mortgages that where already on the books of mortgage companies and were not newly originated they too, were securitized simply by bundling them by the thousands into mortgage portfolios and sold into securitization the same way. They too were converted from mortgage promissory notes into pass-through bond certificates. This practice of mortgage-securitization may have been legalized through lobbing, but Securitization using the splitting of the note from the mortgage as it is being applied to residential mortgages using MERS, is against the present real estate system of laws in this country. So says the United States Supreme court in the case Carpenter v. Longan, a legal precedent that still stands to this day. By the way this is an 1872 case decision, to me this is the epitome of the phrase, “if it ain’t broke don’t fix it”.

The GSE Group
The GSE is our government! GSE stands for government sponsored enterprises. As an old congressman once called it, “the best damn government money can buy. And it, our government has sold us out for the benefit of big business once again! After July 2000 the GSE Group, yep our government entities assisted in the mortgage scam of the century; made the mortgage fraud possible by revising the US mortgage security instrument, that’s used at the closing table, to include what they called “the MERS language” this in essence changed the mortgage system as we know it from a two party system to a three party system that now includes the privately held company call MERS, I call it the “ghost at the closing table.” MERS their new recordation system was now in place and ready for operation, they called it their “industry utility”, and this new industry utility was for members only. The general public has no successful access to their privately held system that illegally holds title to 70 million plus mortgages.

The Securitization Group
Now it was time for The Securitization Group to work their magic by converting thousands of mortgage promissory notes into pass-through bond certificates with The Wizard of MERS in place. This new utility would allow its members to hide multi promissory note transactions; I mean trade mortgage promissory notes or eNotes amongst themselves on what they call the secondary market, without adhering to the real estate laws that govern mortgage assignments and the traditional public mortgage recording process. Within the securitization process more laws are utterly ignored and broken. Let’s begin with The Gramm-Leach-Bliley Act of 1999, it dropped the safeguards which allowed banks to package and securitize loans and sell them at the Wall Street

casino. After getting our government to change strategic laws that would allow them to issue predatory loans to anything that walked up right and could sign closing documents. They gave out sub-prime loans like candy in a candy store. These loans were the new three party securitization loans not the 30 year traditional two party system of mortgages that Judge Grossman talked about.

Mortgages Before 1997

Under the 30 year traditional mortgage system you would apply for a loan, get it, and the bank would keep your loan/ mortgage on its balance sheet until the loan/mortgage was repaid. Now keep in mind that this is just the basic system to show you my point. Banks/originators could at any time sell the loans that were on their books on the secondary market whenever they wanted to. Under this old system if that happened, you would get what is call a “Hello Goodbye Letter” informing you that your loan has been sold to a new lender and you were directed to begin sending your payments to that new lender. Not so under the mortgage securitization process. Now let’s look at the mortgage securitization process of today, where mortgages are sold within 24 hours after closing to the securitization money machine.

Mortgages After 1997
This is the new three party securitization system that the borrower is unaware of.
At the closing table a ghost called MERS was there in your documents, but you didn’t know that, but the lender/originator knew. Your mortgage stayed with MERS while the promissory note was sold to the Warehouse lender. This was illegal Bifurcation which is the splitting of the mortgage from the note, which is a legal nullity. The lender granted the loan, but borrowed the funds from a Warehouse lender on a line of credit. NOTE: This lender no longer has any rights or interest in your loan, and cannot come back years later and assign your mortgage to anyone. He cashed out!

Aggregator/ Warehouse bundles 2000 to 8000 notes in to a SPV and further sells this bundle of notes to a Wall Street Dealer. The Wall Street Dealer using a SPV, then converts the promissory notes to PassThrough-Certificates (BONDS), (hence their names or titles) “GSAMP Trust 2005-HE2 Mortgage Pass-Through-Certificates, Series -HE2” The Depositor formed a REMIC Trust under New York Trust Laws, another SPV, then purchased these converted Pass-Through Bond Certificates and places them into a REMIC Trust for the benefit of the Investors who purchased the CASH FLOW from American monthly mortgage payments. What’s the result of this New Mortgage Securitization system? Millions upon millions of American families lose their home to this FRAUDULENT SECURITIZATION SCHEME! But there is more to it. Read on.

“MY WHAT TANGLE WEB GANGSTER-BANKSTERS WEAVED WHEN THEY STUDIED TO DECEIVE AND DEFRAUD THE AMERICAN PEOPLE”

The House Trap Got Sprung on Them
But wait! All is not lost, because they made many major mistakes while carrying out their fraudulent securitization scheme. One of the many mistakes they made that will benefit the American people is that they didn’t actually transfer the notes into these SPV Trusts like the scheme required. Why? Because from the beginning the Trust was to rely on MERS for the initial assignment and then from there after there would be no need for any more assignments of the promissory notes to the Trust because MERS was their conduit for additional assignments. And this became our Blessing in disguise! An American gospel singer Mahalia Jackson once said, “If you dig one ditch you better dig two cause the ditch you dig for me just may be for you”. Well I changed that word ditch to trap. And the house-trap they set for the American homeowner got sprung on them! Because now that their securitization scheme has run its course, all they’re left with are 70 million plus unsecure mortgages. WOW! The American mortgage industry thought that with MERS they would control every property in America but that scheme backfired on them. And now they have nothing! Because if there is nothing in the trust that resembles a “promissory note” because the note was converted to a “pass-through-certificate (which is evident by its new names such as “GSAMP Trust 2005-HE2 Mortgage Pass-Through-Certificates, Series -HE2” (this one is mine), then there is NO NOTE THEREFORE THERE IS NO MORE SECURE DEBT! AND THAT’S THE LAW! Bottom line: Remember this, as a matter of law, if the note goes away, the mortgage goes away, too. I came up with this message for this new mortgage securitization industry and it goes like this. “He who holds the note may foreclose, but he who has no note has no standing!” This mammoth securitization scheme produced, fraud upon American Homeowners, fraud upon the American investors, and to this day continues their fraud upon the American Judicial System. Someone put it like this, “once you place an orange into a juicer you get orange juice and that orange juice CAN NEVER changed back into an orange.” Well the same principal applies to a promissory note, once a promissory note has been converted to a Pass-Through-Certificates it CAN NEVER be changed back into a promissory note.

Enter the Forgery Mills to re-create what was destroyed. AND THAT IS THE ANSWER TO THE RESOUNDING ONLINE QUESTION; Where are the promissory notes? Why can’t Big Banks produce them in court when trying to foreclose on an American Homeowner? BECAUSE THEY ARE GONE! DESTROYED, NOT LOST! WE CAN STOP LOOKING FOR THEM NOW!

The Forgery Mills Group
Question: So, why did the largest industry in this country, the mortgage securitization industry, create forgery mills in all 50 states? Answer: They had to re-create what they had destroyed; they destroyed their interest in the homeowner’s property. That power of rights came from the “paper promissory note”. Because as it stands now, they have no interest in these 70 million plus mortgages, this means they have no standing, because they are not what is called “the real party in interest” so they don’t have the power to foreclose on anybody, no matter how many payments a homeowner is behind on their mortgage. Remember a homeowner is not obligated to pay the wrong party. They destroyed those rights when they voluntarily destroyed the paper promissory note and changed it into an eNote (a digital copy), which by the way is not recognized by the UCC. Their crimes didn’t stop there. That’s why they needed to re-create what they DESTROYED! Now they needed FORGERY MILLS to come to their rescue. They needed people who are willing to lie for material gain. SO, they hired millions of them and created a new industry within the mortgage industry called Foreclosure Mills. In 1997 Fannie Mae and Freddie Mac established a RAN network of Foreclosure Mill attorneys, they were the first Robo-Signers that included 191 firms in 45 states. Here’s that list: http://www.scribd.com/doc/87841028/Fannie-Mae-Retained-Attorney-Listretainedattorneylist These forgery mills/foreclosure mills represented many of the largest mortgage companies in America, including Wells Fargo, JPMorgan Chase, Bank of America, HSBC and Citibank just to name a few.

They hired:  Lying law firms, Esquires that committed felonies by filing these fabricatedfake-forged documents in courtrooms across America.  Lying document mills that reproduced the homeowner’s documents that they knew nothing about.  Lying Robo-Signers that lied as they signed these fabricated-fake-forged documents that by law they were to legally attest to.

Now, back when Deutsche Bank began trying to foreclose on my home I started doing extensive online research, sometimes spending as many as 72 hours online without any sleep. I had to know what was going on in this present day mortgage climate that was doing things that I’d never thought I would see. After all this is America. Remember the saying, “Truth and justice is the American way”! And I still believe that! But not according to The MERS Mortgage Mafia, greed is better! Well, the talk within the online foreclosure bloggest sphere at the time was mainly about “foreclosure mills and Robo -Signers” two phrases tha t I had never heard of before. Until I read an article by a reporter name Matt Taibbi of RollingStone.com called “Invasion of the Home Snatchers” which described all kinds of foreclosure ill regularities in Florida. As I did my research something became very clear to me, we were calling these law firms the wrong name. I thought they should be called “FORGERY MILLS” not, foreclosure mills. Although now, after so much time online I do understand the reason for calling them “foreclosure mills” they were doin g bulk foreclosures, sometimes as many as 100,000 foreclosure proceedings per law firm. The law firm of an attorney name David J Stern processed 70,000 foreclosures at $1500 each earning him a cool $105,000,000.00! But Stern has boast that he makes $260.3 Million dollars as he divest millions of American homeowner of their American Dream, their homes! The mortgage securitization industry attorneys and their employees spawned a highly compartmentalized foreclosure system; this process allowed them to create and file these fabricated-fake-forged documents in courtrooms all across this country that has devastated millions upon millions of Americans at the same time clouding title to their properties, dubbed the “Rocket Dockets” by Matt Taibbi. He opened my eyes to this massive injustice. Now according to RealtyTrac, there are "forecasts that 10 million more homeowners will be foreclosed on during 2012! We as Americans Must Not Allow This to Happen!

This Deutsche Bank Fight Wrecked My Life
In 2007 Deutsche Bank started illegally foreclosing on my home; by Feb 2008 I was hospitalized with bleeding ulcers. But thank God I recovered, but by April 2009 my husband of 26 years abandoned our marriage. This illegal foreclosure ruined my marriage. My goal is to open the eyes of the American homeowner to what has happened to their mortgages. So they can legally clear the title to their properties using a foreclosure defense or a strategy call “Quiet Title”, which will clear all MERS illegal claims from their home and render their properties free and clear and foreclosure proof in a court of law. Now you have to do your own homework and defend your home.

THIS IS THE END OF T HIS BOOK’S FREE INTR O

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