Human Cost of Economic Skulduggery

Editor’s Note: From Home, to Car to Shelter. It’s a common story and a tragedy. But if that is a tragedy then where is the outrage when we add the component that she was probably wrongly dispossessed, that she probably still owns her house and that if she had proper legal representation in a court of competent jurisdiction, where the Judge understood the legal and factual issues, she would still be living at home?
What do we say when we find out the identity of her undisclosed and hidden lender and that the lender (a) was paid in whole or in part by federal funds, insurance or guarantees (b) doesn’t exist anymore because it was dissolved or bankrupt or (c) doesn’t want to enforce the mortgage because of their own peculiar legal and financial reasons?
Who does she talk to when she finally learns that her obligation was NOT in default, that she didn’t owe any money to the people who foreclosed and took her property, and that the damage to her life was not legal or necessary?
This is not a case of political indifference to suffering. It is a case of illegal, immoral, unethical behavior where the government has failed to protect and serve (and prosecute). So it is up to you, my friends, to do your part not only in standing up for your own rights but in putting the word out to others that they have been tricked, that the Justice system is being tricked, that the state recording agencies have been tricked, that the state and federal taxing authorities have been tricked, and that we have ALL been damaged as a society.
Look around you. The time to argue over ideology is over — that is what distracts us from doing the right thing in holding people accountable, but more importantly, holding onto our homes, our lifestyles and our equity. It doesn;t matter if you are “playing by the rules” and making your payments. You have been screwed. The only way to fix it is to attack the fraud in the broadest possible way the greatest number of people so that more decisions like Kansas, Arkansas, Nebraska, New York, Ohio, and of course Massachusetts are replicated hundreds of times. The Judges are coming around, the system is starting to respond. It is frustratingly slow, I know. But it IS happening. Go for it. If you had a securitized loan or if you have a securitized loan start making inquiries, You may be very surprised with what you find out.
xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
October 19, 2009 New York Times

Foreclosures Force Ex-Homeowners to Turn to Shelters

CLEVELAND — The first night after she surrendered her house to foreclosure, Sheri West endured the darkness in her Hyundai sedan. She parked in her old driveway, with her flower-print dresses and hats piled in boxes on the back seat, and three cherished houseplants on the floor. She used her backyard as a restroom.

The second night, she stayed with a friend, and so it continued for more than a year: Ms. West — mother of three grown children, grandmother to six and great-grandmother to one — passed months on the couches of friends and relatives, and in the front seat of her car.

But this fall, she exhausted all options. She had once owned and overseen a group home for homeless people. Now, she succumbed to that status herself, checking in to a shelter.

“No one could have told me that in a million years: I’d wake up in a homeless shelter,” she said. “I had a house for homeless people. Now, I’m homeless.”

Growing numbers of Americans who have lost houses to foreclosure are landing in homeless shelters, according to social service groups and a recent report by a coalition of housing advocates.

Only three years ago, foreclosure was rarely a factor in how people became homeless. But among the homeless people that social service agencies have helped over the last year, an average of 10 percent lost homes to foreclosure, according to “Foreclosure to Homelessness 2009,” a survey produced by the National Coalition for the Homeless and six other advocacy groups.

In the Midwest, foreclosure played a role for 15 percent of newly homeless people, according to the survey, reflecting soaring rates of unemployment — Ohio’s reached 10.8 percent in August — and aggressive lending to people with damaged credit.

At a shelter for women and children run by the West Side Catholic Center in Cleveland, where Ms. West now lives, foreclosure accounted for zero arrivals in 2007, the center’s executive director, Gerald Skoch, said. Last year, two cases emerged. This year, the number has already reached four.

Similar increases have been reported at shelters in California, Michigan and Florida, where a combination of joblessness and the real estate bust have generated unusually severe rates of foreclosure.

Most people who become homeless because of foreclosure had been low-income renters whose landlords stopped making their mortgage payments, leaving them scrambling for new housing with little notice and scant savings, according to the survey and interviews with shelters.

But in recent months, there has been a visible increase in the number of former homeowners showing up in shelters. Like Ms. West, most have landed there after months trying to stave off that fate.

“These families never needed help before,” said Larry Haynes, executive director of Mercy House in Santa Ana, Calif. “They haven’t a clue about where to go, and they have all sorts of humiliation issues. They don’t even know what to say, what to ask for.”

Many start off camping out in cars, particularly in warmer places.

“We’ve seen a rise in people sleeping in their cars,” said Rick Cole, city manager in Ventura, Calif., which recently allowed car-camping in designated areas. “Some are foreclosed former homeowners, and some couldn’t afford their rent. People will give up their house before they give up their car.”

Those with means try to rent homes or apartments, though tainted credit often makes that impossible. Growing numbers are landing in motels that rent by the week, cramming whole families into single rooms and using hot plates as kitchens. But as unemployment expands, many are losing the wherewithal to remain.

Many take refuge with families and friends, occupying extra bedrooms, basements and attics. But such hospitality rarely lasts.

So, as lean times endure and paychecks disappear, homeless shelters are absorbing those who have run out of alternatives.

For Ms. West, whose youthful appearance belies her age, in her mid-50s, the nights spent on couches in other people’s homes were uncomfortably familiar. She grew up an only child in a housing project in Neptune, N.J., where her mother slept in the lone bedroom, and she occupied a pullout sofa in the living room.

“I’ve always had this dream of doing better,” she said. “I always wanted to own my own house.”

She realized that dream shortly after arriving in Cleveland with her husband and two children in the early 1990s. At first, they rented. But one fall afternoon, Ms. West found herself on a block lined with leafy trees in Mount Pleasant, a neighborhood east of the Cuyahoga River that was a magnet for middle-class black families like hers. Red brick homes with wooden porches sat on ample lots. Public schools were a few blocks away.

When she saw an ad in the Sunday paper offering a house on that very block, she bought it for $45,000; for the $9,000 down payment she used the savings her mother had left her when she died. She and her husband assumed the mortgage from the previous owner, with affordable payments of less than $400 a month.

Ms. West then had a job as a maintenance worker at an apartment complex for about $9 an hour. Her husband earned about $10 an hour as a truck driver. As the years passed, they added shrubbery to the front yard and photos of children’s birthday parties to the walls.

“I thought that was going to be my house,” she said.

She tapped her inheritance to buy another house on nearby Union Street, paying $15,000 in cash for a light-blue, vinyl-sided A-frame. She turned the house into a home for five homeless people. She did their laundry, reminded them to take their medications and cooked meals, while collecting payments of up to $750 a person each month from the agencies that placed them.

Over the years, Ms. West and her husband spent more than they earned. They used credit cards to finance restaurant meals. They bought a new S.U.V.

At the group home, Ms. West’s compensation slipped as the state limited benefit payments. Yet every month brought the same thicket of bills — water, electricity, gas, plus food for the people under her charge.

In 2001, Ms. West and her husband took out a $67,000 mortgage on the Union Street house — which had increased considerably in value — to refinance high-interest debts, assuming payments of nearly $700 a month.

Two years later, her husband left her.

“It just took the life out me,” she said. “I was in a very bad state, a very depressed situation. Things just kind of went downhill. I just didn’t care anymore.”

By 2005, she was broke. She sold the brick house to her cousin, disbanded the group home and moved in. She paid what bills she could through temporary jobs as a signature collector for petition drives. But as many months passed without work, the bills piled up past due.

By the next year, terse letters were coming from the mortgage company — notices of delinquency, then threats of foreclosure. Much of the neighborhood was in a similar state. Broken windows sat unrepaired at a two-story apartment block across the street, where tattered curtains flapped in the breeze. The city boarded up abandoned homes to deter vagrants, drug addicts and prostitutes.

Ms. West wrote to her mortgage company, seeking lower payments. But with tainted credit and no full-time job, she was not a candidate for a deal. Fliers beckoned with relief as companies offered to negotiate with her lender for lower payments. But when she called, the companies demanded upfront payments as high as $500.

“I told them, ‘if I had that money, I wouldn’t be going into foreclosure,’ ” she said.

In the spring of 2008, Ms. West accepted an offer from the mortgage company: move out, hand over the keys and collect $2,500. She sold what furniture she could and put the rest on the street — tables, beds, a couch.

Her uncle had said she could stay with him for a while. But when she called him to say she was on the way, he told her that his girlfriend was uncomfortable with the arrangement. Ms. West’s daughter was in a cramped rented house with her boyfriend and her two children. Her son was in a rooming house.

So Ms. West, a stylish woman with a penchant for shiny lipstick and glittering jewelry, wound up camping in her car. She listened to the radio to drown out the voices of prostitutes trawling the street. She meditated. (“Just blank out everything in your mind,” she said. “Just go to a place that’s peaceful, like a beach.”) She prayed.

“It was scary,” she said. “Here I am, alone, and I don’t have nowhere to go.”

The next day, she moved in with a friend, remaining there for about three months. For several more months, she stayed with the cousin who had bought her old brick house and was living there with her husband and seven children. Toys lay scattered across the floor. The walls vibrated with music, television and the sounds of children. She lay awake on the couch, a vagabond in the one place that had once felt so solid.

“I was losing my mind,” she said.

She was grateful to be inside — particularly during the Cleveland winter — yet never comfortable or stable enough to plan beyond the next day.

“You know in the back of your mind that people don’t really want you there,” she said.

Sometimes, she lived out of her car, spending days at the public library, where she washed up in the restroom and used a computer to scan meager job listings.

Finally, a woman she met on the street took her in and helped her formulate a recovery plan. She signed up for food stamps. She enrolled at a community college in a three-month, state-financed training program that would give her a certificate for an entry-level job in biotechnology, putting her in position to earn as much as $16 an hour.

In September, she got a bed at the homeless shelter, reluctantly accepting that she needed her own space to re-establish her life.

“I never wanted to go to the shelter because of the stigma,” she said. “I’m a very independent person. I felt like I got myself into this situation, and I’ve got to get myself out. But I knew I couldn’t just keep going back and forth and staying with these people and not moving forward with my life.”

She sleeps in a twin bed with a flower-print duvet, in a small room painted lavender. Her plants line the windowsill. She keeps to herself, reading motivational books, as she prepares to start classes next month.

She is working again, taking care of senior citizens in their homes part time, and saving money.

By December, she will exhaust the shelter’s 90-day limit, so she is hurrying to line up a house to rent while arranging a subsidy through the West Side Catholic Center.

She is still shaken by the past and anxious about the future, but she is again looking ahead.

“I do want to eventually own a house again,” she said. “That’s the American dream. That’s what everybody wants.”

16 Responses

  1. PERKS KEEP ROLLING IN AT RESCUED BANKS

    From jets to country club fees, CEOs’ fringe benefits rose 4 percent last year

    http://www.msnbc.msn.com/id/33391452/ns/business-washington_post

    *****************************************************

    I wouldn’t consider any of these fools qualified to carry my jockstrap – my fifth grader could do a better job managing your cesspool of a financial institution… @ssholes!!!!

  2. Is it really about the borrower’s ability to pay anymore?
    When your home can be stolen from underneath you becauce of origination fraud, notarial fraud
    notarial misconduct, predatory lending, mortgage servicing fraud, TILA violations RESPA violations, FDCPA violations,fraud upon the court and just the honest truth……….the lender,(pretender or real), servicer or trustee; has any interest in resolving any disputes with the borrower and allow the homeowner to stay in their homes.

  3. All of these very interesting legal theories being spun by borrowers ignore two fundamental facts: the borrower is not paying back the debt, and the debt is real because the money was lent. Some of the recent comments by borrower counsel are on the level of the Dorean Group’s absurd premise that a wire transfer was not the delivery of real money, and therefore there was no valid debt. A conveyance need not be recorded to be effective–only delivered. An assignment of a mortgage need not be recorded to transfer the interest in the mortgage. Mortgage loans have been fractionalized for decades, using various methods. Remember building and loan bonds? When you strip away all of the dross of these arguments, do counsel really believe that it would be good public policy for courts to rule that borrowers do not have to repay loans because the lenders securitized them, sold them or used a nominee to hold the mortgage?

    J. Bushnell Nielsen
    Reinhart Boerner Van Deuren s.c.
    N16 W23250 Stoneridge Drive, Suite 1
    Waukesha, Wisconsin 53188
    P.O. Box 2265
    Waukesha, Wisconsin 53187-2265
    Phone: 262-951-4514
    Facsimile: 262-951-4690

    Somebody needs to tell this guy to visit Livinglies…

  4. Dear Drew,

    You could not be any more correct by posting your note. I see it everyday and so many lawyers and prose litigants just dismiss the importance of challenging everything.

    I have seen affidavits during the process of our mortgage analysis for foreclosure defense that were signed or attested by some 18 year old girl that just got her job with the foreclosure mill, and now the is the Vice President of MERS, she has a seal of a notary in North Dakota, that gets paid to lend her seal for the sake of speed to the foreclosure mill in Virgina. The 18 year old girl was 14 when the mortgage was issued and did not witness any of the process. The Notary never saw the girl signing and in fact has never been to Virginia. But who cares, the home being foreclosed in a non-judicial state like Virginia, belongs to some poor sap, with or without security clearance, putting his job on the line, or some uneducated and illiterate immigrant form some little village in El Salvador, or a Phd Mathematician working for the World bank who does projections of precisely Mortgage Backed Securities and their effect on the gobal economy. It did not matter who we were and what we did for a living, we were lied to from the get go. Why would this unavoidable fact prevent them and their corrupted associates from furthering their scheme by doing things by the book and thus turn into what we are seeing right now, a corrupted system where these lawyers turned into impromptu trustees or substitute trustees are getting paid to violate their trustee impartial position and act as collection companies.

    When you see that in this blog you are informed about challenging everything, I can attest to the fact that indeed you should look into every detail and paper.

  5. Lying Is Wrong
    posted by Katie Porter

    You might think that we all caught the lesson that lying is wrong somewhere between Sunday School and warnings that Santa only brings presents to good boys and girls. But an Ohio federal court recently caught a debt buyer making a a load of lies–under oath, no less. The opinion in Midland Funding v. Brent shows the underbelly of debt collection and just how far such high-volume, routinized, computerized processes have strayed from the idealized litigation model of truth-telling.

    The case began when a debt buyer purchased defaulted credit card debt and filed suit against a consumer. The debt buyer’s law firm used the debt buyer’s “You’ve Got Claims” system (really, that is its name) to request an affidavit from the debt buyer to file in support of the collection case. Where do such affidavits come from? According to later testimony of the debt buyer’s employee who signs 200 to 400 affidavits per day, “they just come from the printer” (again, I’m not making this up.) The court couldn’t square that answer with the first paragraph of the affidavit in which the employee attests that “I make the statements herein based upon my personal knowledge.” The court goes on to describe the affiant’s lack of knowledge of nearly all the facts in the affidavit, noting that the affiant did not retain the attorney, was not familiar with the account, did not know the last time a payment was made, did not know if the consumer was a minor or mentally incapacitated, and did not know the outstanding balance. As an additional disability, the affidavit wasn’t actually signed in the presence of a notary, making it improperly sworn. The court ruled that the use of the false, deceptive and misleading affidavit in the debt collection suit was a violation of the Fair Debt Collection Practices Act.

    The law in Midland is boring. It is wrong to lie to a court, and it is wrong to lie in a debt collection. The action here is that there actually was an action. Some consumer went to the effort to put a debt buyer’s affidavit to the test, leading to the conclusion that the process for generating such affidavits was sorely lacking. How many debt buyers, or default mortgage servicers, also have employees who get their affidavits “from the printer?” Or who have “personal knowledge” of consumers they have never met and of accounts they have never reviewed? Or who send affidavits “off to be notarized?” If the processes used here are typical of the industry, there could be a lot of liars out of luck.

    http://creditfactors.com/pro/course/images/9-23-09-memorandum-affirming-injunction-pub.pdf

  6. I was forced out of my mortgage 10 years ago, even though the payments were current!! Sued and the judge refused my evidence and I walked out with a judgement against ME!!!

    Been homeless most of the last ten years and know first-hand that mortgagors are still helpless against mortgage lenders, hence a steady rise in homelessness, particularlly among older Americans.

  7. Neil,

    Is there any way I can convince you to get up a page on facebook or twitter to help spread the “gospel” contained in your website. I have been helped tremendously by this website and I want others to have the same opportunity.

    BTW – Chris Brown and Michael Smith are doing a great job for me here in Virginia!

  8. All of these stories are heart breaking, however they almost never tell how these crooks stole these homes, how they used a pyramid scheme such as the securitization chain of fraud and the bottomless derivatives marketplace to realized commissions that were never disclosed to the borrowers.

    That is the story we need to share

  9. What will it take for all of us to realize that, we are the ones that need to take up the fight, Congress sold out, The White House sold out, the State Legislatures Sold out, and the courts, well I rather not say, but you all know what I mean.

    What will it take to send letters to all the people whose homes are being listed on the local media for foreclosure?

    What will it take for a group of lawyers to realize that if the rent a couple of buses and go the their local court house or to the offices of the foreclosure mill lawyers and start a peaceful protest in front of those areas in a single day, gather the local media, make some noise, get the ball rolling

    these are unconventional times and unconventional tacticas are needed. What will it take for all the lawyers who have profitted from this blog to take their database and provide sample letters to all their clients and have those letters sent certified mail to their local tax collector and report the MERS issue, send letters to their congress person, to their senator, to their local MEDIA OUTLETS. We need to start a groundswell of protests and a gigantic outcry of support for We The People to have a fair shot at a defense of our property rights.

    We here in Washington do have a radio show every Friday and Saturday where we scream from the roof tops, do not leave your home fight for your home ownership rights

    http://WWW.WMET1160.COM

    the people”s voice

  10. i read over the weekend of ssrn papers that were done 2007
    The Relative Performance of Real Estate Marketing.
    Platforms: MLS versus FSBOMadison.com

    MLS is owned by Gov.. controlled sale environment of housing prices
    as is the RE board.. hmm…. i’m smelling loooooow tide here.
    rent control is another misnomer of – controled studies & biased info of relative housing prices.. before you say sooooo ,or yea i’m sure …ask yourself what control factor is to be gained..
    think about it..what single wealth factor in this country has consistently made those in upper echelon of position & power more $$$$$$$$$$. ???

    just read it & consider the possibilities & what real control of the housing/re market is implying AND saying.and then add this to the last 10 years of real-estate markets..

  11. Here is the website to sign the petition (Audit the Fed):

    http://www.chooseliberty.org/auditfed2.aspx?pid=w01

    Thanks,
    Dan Edstrom
    dmedstrom@hotmail.com

  12. I just received this email communications from Campaign for Liberty (this is a letter from Ron Paul):

    Dear Friend of Liberty,

    I hope you join me in my firm conviction that now is the time to fight back against the out of control Federal Reserve and continued Wall Street plundering of our tax dollars.

    The threat isn’t hard to see — just look all around us. Our constitutional principles and freedoms are being assaulted at every turn. More bailouts, trillion dollar “stimulus” plans, huge new debt burdens for our children, simply printing money to cover our failed policies — I could go on and on. You and I both know that President Obama is going to keep going and going unless someone puts a stop to the madness.

    But the good news is there is a way to fight back. And that fight starts today — by “Auditing the Fed” and showing the American people just how the Fed has abused its power, debauched the dollar, and helped strangle our economy.

    Because I know you are a friend in Liberty, I wanted you to be among the first people contacted by Campaign for Liberty for the vital fight against the out of control Federal Reserve.

    Please read the enclosed letter from my friend and Campaign for Liberty’s President, John Tate. John isn’t just a friend of mine. He’s also a patriot with years of experience getting things done in politics. Now he’s agreed to take up the fight in a way I cannot — by leading the fight for Liberty on the outside, while I do battle in the halls of Congress.

    I trust you’ll find this battle to expose the out of control Fed worth your support.

    For Liberty,

    Congressman Ron Paul

    Here is the additional information to those interested in Auditing the Fed to hold them accountable (I left out the part where they are asking for financial support):

    Dear Friend of Liberty,

    Trillions of dollars are being stolen from the U.S. taxpayer.

    Right now, you and I are seeing the worst plundering of a country’s wealth in the history of civilization, led by an out of control Federal Reserve.

    But together you and I CAN put a stop to it all.

    With your help (including submitting the petition linked below to your Congressman and Senators) today, Representative Ron Paul, Senator Jim DeMint and Campaign for Liberty are ready to fight back, by taking the battle straight to the heart of the problem – the Federal Reserve itself.

    Just think about the scope of the problem for a minute: The massive, outrageous amount of dollars committed to the economic bailouts in recent months totals:

    More than the socialist New Deal … More than the entire Iraq debacle … More than the 1980’s savings and loan mess … More than the Korean War …

    COMBINED.

    When will it all end?

    It’s time you and I put a stop to a renegade Federal Reserve by exposing the Fed’s out of control actions to the American people. And Congressman Ron Paul and Senator Jim DeMint have a bill before Congress to do just that, known as the “Audit the Fed” Bill (HR 1207 and S 604).

    That’s why it’s vital you click here to submit your “Audit the Fed” petition in support of Congressman Paul’s bill.

    You see, Audit the Fed already has almost 300 cosponsors!

    Now is the time to make sure your Congressman and Senators feel the heat to support the Audit the Fed bill!

    If you and I don’t act today, I’m afraid this crisis will end with the economic ruin of every man, woman and child in America.

    Today, nearly 13 TRILLION in taxpayer dollars in bailouts and loans has been agreed to by Congress, the Bush and Obama Treasury Departments, and the out of control Fed.

    So is it really any wonder more and more folks are starting to realize the Washington, D.C. establishment is hurtling us toward complete economic disaster?

    Whether it’s watching a phony “stimulus” package get rammed into law or watching Congress pass a $700 BILLION bank “bailout” under threat of martial law, the American people are agitated and increasingly angry.

    That means it’s a perfect time to unleash the pressure of MILLIONS of outraged Americans on the out of control Fed!

    So please click here to sign the petition linked below urging your Congressman and Senators to cosponsor and seek roll call votes to pass the Audit the Fed Bill!

    As I know you’re aware, the Federal Reserve is shrouded in secrecy. Their meetings are off-limits to the public. Their inner workings are off-limits to the public.

    And just recently, the Federal Reserve told Congress “NO WAY” when asked to account for $2 TRILLION in taxpayer-backed loans!

    Well, why do you think they refused?

    They know coming clean with Congress and the American people on how they doled out that two TRILLION dollars would result in an anti-Fed firestorm.

    So can you imagine the impact of a full-scale audit? You and I will finally be able to show the American people that the Federal Reserve System leads to:
    *** Constant economic crises — the housing crisis and the resulting chaos is just one example of an economic bubble created by centrally planned interest rates and money manipulation;

    *** The destruction of the middle class — as fuel, food, housing, medical care and education costs soar, everyone who is NOT on the government dole is forced to make do with less as the value of their money slowly decreases;

    *** Currency destruction — history shows us that riots, violence and full-scale police states can result when people finally realize our money isn’t worth the paper it’s printed on and REFUSE to accept it.
    And unless you and I do end the madness in Washington, D.C., we may be closer than we’d like to think to learning that history lesson firsthand — right here in our own streets.

    That’s why your commitment to helping pass the Audit the Fed Bill — and helping Campaign for Liberty fight this battle — is so vital.

    Just a few months ago, there was no chance of passing any legislation like the Audit the Fed Bill. So I guess there has been one “CHANGE.”

    You see, with the piling up of trillions of dollars in out of control “bailouts” of Wall Street and international bankers, even many politicians in Washington want to show you they’re “being responsible.”

    What better way for Congress to do this than by auditing the Federal Reserve to account for the trillions stolen from the U.S. taxpayers?

    More and more Congressmen are already feeling the pressure and are signing up to support this bill. I’ve even received word this bill could move in the next few weeks in the U.S. House.

    When that happens, you and I must be ready to fight.

    And, it’s both a bill we CAN pass, and one that is vital to exposing the massive corruption and dollar manipulation at the Federal Reserve.

    You see, after regulating, taxing, spending, borrowing and printing us into what looks like the worst recession in decades, establishment politicians and power brokers are assuring us they’re working hard to “fix” our economic woes. What is their solution? You guessed it. More of the same!

    And even if the Audit the Fed Bill is defeated this time, just forcing a vote is a win/win situation.

    Can you imagine how many politicians will pay the price at the ballot box in 2010 when you and I tell the American people their Congressman somehow lost trillions of taxpayer dollars and refused to even LOOK for it?

    Now we just need to show Congress the American people demand action on the Audit the Fed Bill. Here’s how we plan to do that.

    First, we’re already busy contacting up to five million activists nationwide through mail, phones and email to generate petitions to the U.S. Congress demanding action on Ron Paul’s Audit the Fed Bill.

    But that’s just the beginning. We’ll work the talk radio stations and grant local media interviews to ratchet up the pressure even further on Congress.

    And a few days before the vote, if we have the resources, we’d also like to run hard-hitting targeted radio, TV and newspaper ads.

    This entire program is designed to send this one, CLEAR message to Congress: Any politician who votes against the Federal Reserve Audit should look for another job.

    Thanks,
    Dan Edstrom
    dmedstrom@hotmail.com

  13. Now is the time fellow Foreclosees,

    When is it going to be enough. These people are getting thrown out of their homes, some are even paying with their lives.

    We need to educate the hell out of the news paper editors, TV stations, bloggers, main stream media outlets, etc and organize with our neighbors, friends, families and strangers…

    But I believe we need to do this all online, on the Internet. It is SO powerful. It is a collective thought of millions that can be anonymous and at the same time be authoritative.

    Social media is where it is at to get to the masses, the main stream. Set up twitter accounts, facebook accounts, go on digg, friend feed, scribd, wordpress, etc. Create accounts on all the “news” sites and post comments in every main stream media post that has anything to do with what is going on DIRECTING THEM BACK TO THIS SITE.

    Every time you read a blog, news post, opinion or comment on a story that is related to the frauds that are being perpetrated post something in the comments!

    There are so many, 60 million or more, that are in the same situations as we are but have not been “enlightened” as we have…

    If we all can give a little insight to the injustices that are going on by doing this, we can shut down these pretender lenders and show them for what they are.

    I AM DOING IT AND IT IS WORKING.

    The Foreclosure Fraud Guide – Checking Public Records for Fraud

    http://bit.ly/4closureFraudGuide

    Is a huge success. It has been picked up by many sources such as Karl Denninger of the maket ticker, A Birdie on Possible Foreclosures, and is spreading throught the internet.

    See you in the comment sections…

    4closureFraud

  14. To America:

    “Those who make peaceful revolution impossible, will make violent revolution inevitable” JFK, 1962.

  15. I have been following Dent for a long time. His economics is based on demographics. When you combine that with what the banks have done, the result won’t be good …

    http://moneynews.newsmax.com/headlines/dent_deflation_cash/2009/10/19/273853.html?s=al&promo_code=8D57-1

    Thanks,
    Dan Edstrom
    dmedstrom@hotmail.com

  16. Amen Neil!!!
    your “preaching” shall make us all free and the truth shall be brought up to the light of justice, i can see the momentum beginning to build up even here in your(our) blog among all of us, yes there might be some animosity every now and then with some stupid “ideologies” of a very personal level, however i can see all of us that “get it” starting to display that level of tiredness need it to make us really start looking around and realize that waiting to get some help from the people that are supposed to “protect” us isn’t going to take us where we need to be any sooner!!
    Justice must be found by all of us, not only at a personal level but also as a country, as one. Thanks for your encouragement NEIL!! You Rock!!
    To Victory America!!!!

Leave a Reply

%d bloggers like this: