Wednesday, June 26, 2013



Great depo of a Robo-Witness who knows nothing in a foreclosure case…
First, although the Ms. EDWARDS listed her position as “Vice President” in the verification of the Complaint, Ms. EDWARDS admitted that she was “not the vice president” of the company. Then, Ms. EDWARDS admitted that the alleged Power of Attorney which allegedly gave the servicer, her employer, the right to act on behalf of the Plaintiff, was not made by the Plaintiff and did not even mention the Plaintiff’s name. Further, the Corporate Resolution from the Plaintiff’s employer contained conflicting directives as to whether or not Ms. EDWARDS was actually even authorized to sign for the company for which she worked, HOMEWARD RESIDENTIAL, which is not even a party to this action.
Even if she was authorized to sign on behalf of the Plaintiff, Ms. EDWARDS admitted that she did not and could not verify all of the factual allegations in the Complaint. Although Ms. EDWARDS signed the verification on the Complaint under penalty of  perjury and swore that all of the facts alleged in the complaint were true and correct to the best of her knowledge and belief, she admitted in her deposition that her knowledge regarding most of the information was gained solely from the information found in the Complaint. The very document Ms. EDWARDS was charged with verifying.

Tuesday, June 25, 2013


A former Lender Processing Services Inc. (LPS) executive was sentenced to five years in prison for her role in a six-year mortgage forgery scheme, the Department of Justice said.
Lorraine Brown, 56, pleaded guilty in November to a scheme to prepare and file more than one million fraudulently signed and notarized mortgage-related documents. She was sentenced Tuesday by Senior U.S. District Judge Henry Lee Adams Jr. in the Middle District of Florida. In addition to her prison term, Ms. Brown also was sentenced to serve two years of supervised release and ordered to pay a fine of $15,000.
Ms. Brown served as the chief executive of DocX LLC, an LPS subsidiary that prepared and recorded mortgage-related documents, including assignments needed to show ownership of loans in foreclosures. DocX closed down in early 2010.
According to the plea agreement, DocX employees, at the direction of Ms. Brown and others, began forging and falsifying signatures of authorized personnel on the mortgage-related documents that they had been hired to prepare and file with property recorders’ offices. The documents were fraudulently notarized as if actually executed by authorized DocX employees, the DOJ said.
According to plea documents, Ms. Brown implemented these signing practices at DocX to generate greater profit. The unit was able to create and execute larger volumes of documents using these signing and notarization practices and also hired temporary workers who worked for lower costs to act as authorized signers. Between 2003 and 2009, DocX generated approximately $60 million in gross revenue.

Saturday, June 22, 2013

It's Not a Student Loan II

Disabled Mom
Kimberly Noland could have used that kind of help.
Noland, 44, lives in Fayetteville, Arkansas, with her husband, a laid-off factory worker now employed at a Wal-Mart store, and their seven-year-old daughter.
Noland injured her leg while working in a day-care center. She started collecting $828 a month in Social Security disability payments in 2010.

Shortly after she qualified, Collection Technology Inc., an Education Department debt collector, called about Noland’s roughly $30,000 in defaulted student loans from attending the University of Arkansas.
A collector told her she had to pay $325 a month, almost as much as her rent, Noland said in a phone interview. She couldn’t afford it on her family’s $20,000 annual income, she said.
“I have a child,” Noland remembered telling the collector. “I can’t give you every bit of money in my house.”

‘Final Number’
“This is our final number,” the collector replied, saying her boss wanted even more, according to Noland. The phone conversation lasted more than an hour, she said. She was given three days to decide, or Collection Technology would seize part of her disability check “forever,” and she would never have another chance to rehabilitate her loan, Noland said.

She bought a prepaid debit card at Wal-Mart, authorizing Collection Technology to make the $325 monthly withdrawals. She visited churches to collect free bread and canned goods.

Friday, June 21, 2013

It's Not a Student Loan!

As then-law professor Elizabeth Warren said in 2007, “Why should students who are trying to finance an education be treated more harshly than someone … who racked up tens of thousands of dollars gambling?”
In addition to having no escape from their loans, students must deal with aggressive creditors that can get to virtually any income source to secure payment – paychecks and tax refunds included. The Department of Education uses an “army of private debt collectors,” some of the most notorious financial operators out there, to intimidate and harass student borrowers. These collectors earned $1 billion in commissions from taxpayers in 2011. They get paid bonuses for extracting higher payments, and they can also rack up additional fees virtually endlessly. That’s because student debt has no statute of limitations on collectors, unlike most other forms of debt. The government can even collect student loan payments from Social Security checks, thanks to a 1996 law (this is not theoretical, as growing numbers of seniors are entering retirement with student debt).
Read more.. from Salon

MUST SEE NEW VIDEO: Arizona Homeowners Fight Forged Docs, While AG say's It's Ok, They're Just "Short Cuts."

J@H Note: Notice at the 3:27 mark, the Attorney General's response - bought and paid for! Now, call your Attorney General. Push him, not to convert him or same him. Push him to save your home and to insure a better future for your children. Want to know more? We have 4 active committees where you can find the kind of action that suits you.

Attend the Justice@Home web and phone conference on Tuesday nights @ 7-8PM. @8:30 we take on the consumer debt collectors. Come learn to protect yourself. Login and numbers here:

The ABC15 Investigators sat down with Arizona Attorney General Tom Horne to find out.
We were surprised to hear Horne characterize the use of forged documents as a “shortcut.”
“Maybe a document was signed, somebody signed someone else’s name as a shortcut, but in the underlying transaction, there was no injustice,” Horne said.
Referring to the homeowner facing foreclosure, Horne said, “That person didn’t pay.
The ABC15 Investigators pressed Horne on why the laws against forgery and fraud don’t seem to apply equally.
“If the homeowner is going to come in and fight their foreclosure and forge their own documents, they are going to jail,” we said. “So I don’t think they are going to be so sympathetic to your argument that the underlying premise is that they still didn’t pay. Because many of these people did pay and they were still foreclosed on with fraudulent documents.” 

No Shock: We Were Told to Lie!

This is not really new news, rather it's a deeper revelation to wake us from our slumber. If you're still wondering if we should fight or keeping bowing to authority, maybe this will help get you back into a 60's and 70's frame of mind.

"... Bank of America’s mortgage servicing unit systematically lied to homeowners, fraudulently denied loan modifications, and paid their staff bonuses for deliberately pushing people into foreclosure: Yes, these allegations were suspected by any homeowner who ever had to deal with the bank to try to get a loan modification – but now they come from six former employees and one contractor, whose sworn statements were added last week to a civil lawsuit filed in federal court in Massachusetts."  Learn more from Salon

So, if you one of the handful of people still referring to home-owners as "dead-beats," you'll have to create a
harsher label for these guys. Banksters, a combination of bankers and gansters just doesn't cut as deep as "dead-beat" homeowner. In fact, name calling or exposure doesn't stop these folks. They can't be "shamed" because they have no real honor, no real pride or principles to serve a collective good. They have never, nor will they ever stop themselves.

The limits of tyrants are prescribed by those they oppress
(Frederick Douglass)

Beware of the Standard-Makers and Rating Agencies: The Last Mystery of the Financial Crisis

It's long been suspected that ratings agencies like Moody's and Standard & Poor's helped trigger the meltdown. Matt Taabi exposes a new trove of embarrassing documents shows how they did it

In incriminating e-mail after incriminating e-mail, executives and analysts from these companies are caught admitting their entire business model is crooked.

Listen in...

“Lord help our fucking scam . . . this has to be the stupidest place I have worked at,” writes one Standard & Poor’s executive. “As you know, I had difficulties explaining ‘HOW’ we got to those numbers since there is no science behind it,” confesses a high-ranking S&P analyst. “If we are just going to make it up in order to rate deals, then quants [quantitative analysts] are of precious little value,” complains another senior S&P man. “Let’s hope we are all wealthy and retired by the time this house of card[s] falters,” ruminates one more.

Read more, and remember who is the dead-beat, and who's taking a beating. Fighting is winning.  Stop waiting, wishing and praying for Superman, Obama-man, or the Calvary, God sent you. Attend our weekly web and phone conference meeting to see what you can do locally (you too are affected) and nationally. 

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