First I want to thank the readers who are sending in information that connects the dots. Relationships between companies that were not obvious, signors with dubious authority. Signors on assignments, allonges, indorsements, affidavits on behalf of multiple “employers (see Judge Schack’s decisions), Pool Names, Trustees, servicers, underwriters, loan originators etc. are all pouring in. While we are compiling the database structure and service, we are taking the short-cut route of going through posts and comments that already contain this information. If you use the WordPress search engine on the home page of this blog you can search on “HERS” (Homeowner Electronic registration System) and it will return a whole bunch of things already. If you put in the name “Litton” or “Countrywide” likely you will already be getting some valuable information.

So keep that info coming in. REMEMBER TO DELETE INFORMATION THAT WOULD ENABLE IDENTITY THEFT. SO REDACT WITH BLACK MARKER YOUR SSN ETC. If you are doing research or of the other side has already given information in their pleadings, send the info in and we will include it in the data here. Each time you send something in you are helping others and you are probably helping yourself.



  1. Names of people, companies, trusts, from the pretender lender side

  2. Addresses

  3. Phone numbers

  4. zip codes

  5. notaries

  6. witnesses

  7. signers

  8. officers

  9. titles of officers

  10. escrow agents

  11. title agents

  12. closing agents

  13. trustees — anyone referred to or calling themselves trustees

  14. beneficiaries — on Mortgage or Deed of Trust, Payee on Note, Title Insurance Policy, Property Insurance on Home.

  15. Is your obligation going to reset? If you are willing to do so, please tell us when, what will happen to the payments and whether you can afford the new payment structure. Include the date of closing.

  16. nominees

  17. MERS nominee relationships

  18. MERS signers

  19. foreclosure mill law firms

  20. employees of foreclosure mill law firms

  21. document fabrication mills, their location, signers, notaries officers etc.

  22. “trust” names

  23. trustees for mortgage backed securities

  24. copies of pooling and service agreements

  25. copies of assignment and assumption agreements

  26. copies of assignments

  27. copies of allonges

  28. copies of indorsements

  29. copies of mortgage backed securities

  30. cusip numbers

  31. copies of prospectus

  32. copies of deeds of trust

  33. copies of notes

  34. copies of good faith estimates

  35. copies of HUD settlement statements







  42. copies of unlawful detainer (eviction) actions

  43. copies of motions for writ of possession

  44. copies of motion to lift stay (MLS)
  45. copies of documents showing foreclosure sale took place

  46. copies of certificate of title issued by clerk or trustee in foreclosure sale








30 Responses

  1. […] Livinglies Search Engine — GET INVOLVED AND REAP THE REWARDS First I want to thank the readers who are sending in information that connects the dots. Relationships between companies that were not obvious, signors with dubious authority. Signors on assignments, allonges, indorsements, affidavits on behalf of multiple “employers (see Judge Schack’s decisions), Pool Names, Trustees, servicers, underwriters, l […] […]

  2. Mr. Romano,

    I am also in NJ, using the same law firm, which has now fallen apart. They have little to no working knowledge of securitization and would easily allow my home to be foreclosed if I did not keep check on them. Don’t give up, it is not too late.

  3. gentleman madam,i hired a lawyer here in new jersey.tobias and kaplan,took my money 4000.00 also made me get a report on predatory lending,2000,00.would not return my calls for months.the sherriff sale came.the bank bought the home back for 100.00.this is after we tried very hard to work it out.the lawyer did nothing o.also the lady who steered us to the lawyer is now trying to buy the home thru the real estate office she works at.her name is barbara lee keller williams bellemead new jersey.if we talk i can give you more details it gets interesting.sincerely robert j romano alexandria new jersey.908 399 6831

  4. Stanley, you did not read my last post to you… she is on SCRIBD, not here. LOOK THERE!

  5. I have a copy of a loan modification by American Home Mortgage Servicing Inc, which is the same or similiar one that the Ohio State AG is sueing them for under that state’s consumer protection act. Where can I email it so that it can be used in MERS (for this website)?
    The loan mod, as described by the Ohio State AG contains “illegal and unfair provisioins that are unconscionable and one-sided.” For ex. by signing it, the home owner “waives” his rights to counsel and to the foreclosure process all together.

  6. Thanks IceTea. below is the link to Neil’s letters and notices. the first # 1 is

  7. The problem with the trustee in the Colorado context is that they are an office of the county government. This is a different kind of deal that the trustee in non-judicial states like California. The Cali-style trustees are private entities that will carry insurance.

    Here is some of the law that is applicable:

    In my limited experience (with Denver) the Public Trustee just does whatever Castle Meinhold wants them to do. They are part of the speedy and certain process to foreclose with a minimum of expense or disclosure. It’s not just you, the whole process is virtually impossible to win unless you get it outside the Colorado non-judicial system through Bankruptcy or filing some sort of suit in a regular court.

    I have no idea how fast a Bankruptcy attorney can work to stop the sale, it might be worth contacting one.

    I did see on the Grand County Public Trustee’s website that your original sale date was back in December so the effort you put in has gotten you a few extra months. I hope your letter to the Trustee will cause them to push the sale back again.

  8. How do I locate “nootkabearmcdonald” on this website?

    Stanley Putra

  9. Hi Collette- your letter to the trustees? was succinct and to-the-point: very good. Did you conjure this up by yourself or was it from an online source? The only reason I am asking is because I haven’t seen one like it before. Keep us all posted.

  10. Hi Ice tea. I decided to send a notarized certified signature required letter to the trustee and the attoreny’s, as a last ditch effort. I’ll let you know the response I get. I will call tomorrow and ask the minimum bid and status. As April 2 nd is the day. I decide it may be easier to go after the insurance companies in stead.

    It is the Letter of Objection to Trustee in Non-Judicial Sale States.
    Letter of Objection to Trustee in Non-Judicial Sale States
    The Trustee has an obligation of fair dealing with both the borrower and the lender. All to
    often the Trusteeʼs loyalties follow the money, for it is the Lender that pays the bills. A
    Notice of Non-Judicial sale is very much like a Motion for Summary Judgment in Judicial
    Foreclosure States. It is designed to take the case off the docket and the get the sale
    over with as little trouble as possible — where the facts are not in dispute, the borrower
    is in default, the lender has followed all the necessary procedures, and the Lender is in
    fact collecting on a debt that is owed. The Lender, by having the property sold is
    recovering part or all of the debt owed to the lender.
    In the Mortgage Meltdown context however, everything is turned on its head for
    mortgages originated between 2001-2008. The Lender has already been paid, doesnʼt
    won the note and is attempting to score a windfall by getting the property in addition to
    the money it received from the REAL source of the financing. And the Lender has
    received an undisclosed fee of around 2.5% of the total “loan.” The mortgage broker,
    the appraiser and other participants were also overpaid by as much as seven or eight
    times their normal fees to keep their mouths shut. The borrowerʼs reliance on the good
    faith of these people was misplaced.
    Thus when a property owner receives a notice of delinquency, notice of default or notice
    of sale, the borrower should write a letter that says something along these lines (subject
    to checking the verbiage with local counsel):

    Dear Trustee:
    I am in receipt of (fill in the notice you have received) dated (fill in the date). I hereby
    object to the Notice and request that you send a copy of this letter to your insurance
    carrier and all other interested parties as described herein for the following reasons:
    1. There is no delinquency or default. The Lender has been paid in full plus a fee for
    standing in for an undisclosed third party lender that was not properly registered or
    regulated as a financial institution or lender at the time the transaction took place.
    2. The Lender has failed to state the name or address of the holder in due course, John
    Does 1-1000, being the holders of certificates of asset backed securities, which are
    backed by the security instrument (mortgage) on the subject residential property.
    3. The Lender does not own, possess or control the note or the mortgage,which has
    been satisfied in full. Demand is herewith made for satisfaction of mortgage to be filed
    in the appropriate county records.
    4. Your authority as Trustee has also been transferred to the Trustee of the pooled
    mortgages and/or notes on various properties, real and personal, that were included
    in an asset pooled that was eventually securitized and sold to investors, who along
    with others in the chain of securitization acquired rights and obligations to the note,
    mortgage, and stream of revenue eventually due to the investor.
    5. Because of the known presence of necessary and indispensable parties to any
    dispute that the true holders in due course might have against me, only a judicial
    proceeding in which all parties are included will provide a fair determination of the
    rights, obligation and title to the property, mortgage and note.
    6. The “loan closing” was in fact a scheme to trick me into issuing a negotiable
    instrument that was pre-sold to investors as an unregulated security. The parties and
    their fees were not revealed nor was the true APR disclosed, as it was inflated
    considerably by the intentional overstatement of the appraisal on the property.
    7. The title agent, which might well be the same as the Trustee also has insurance for
    errors and omissions and the title insurance company that issued the policy will have
    total liability for this fraudulent transaction to the extent it had knowledge through its
    agents of the fraudulent scheme.
    The totality of the transaction violates numerous state and federal laws including usury,
    Truth in Lending, deceptive business practices, and administrative standards for the
    practice of professions.
    Therefore, please confirm the filing and recording of the satisfaction of mortgage, send
    the original note back to me (or tell me where it is), and confirm the retraction of the
    attempt to collect a debt which is incorrectly stated, improperly computed, improperly
    obtained, and fraudulently produced and transmitted.

  11. I’m in Collete’s “wonderful” state of Colorado and pro se.

    I can’t seem to find the post of her exact situation but let me try to explain how Colorado is different.

    Almost all foreclosures are done non-judicially with the state acting as the trustee for the foreclosure. This trustee is the “Public Trustee” and each county has one, they are part of the county government. They pretty much rubber stamp anything that an attorney gives them. This office puts up the property for bids etc. They have some special protected status under State law that makes it difficult to sue them.

    Part of this process is a “Rule 120” hearing with a judge. The law says that anything like a bank can say that it is the lender and does not need to produce any proof other than an affidavit. If someone else comes up with an actual note later seeking the now-foreclosed and sold property, then the pretender-lender is supposed to pay them.

    Unless the homeowner can produce some extremely strong evidence at this hearing, they are certain to lose. (Which is how its designed, of course.) The law gets around the problem of State action for this by basically saying if the homeowner has a problem they can file suit in regular court and whatever happened in the Rule 120 hearing isn’t an actual judicial decision.

    So for any of the great weapons in the fight (esp. Discovery, actual challenges to evidence and testimony) – the homeowner has to file in State or Fed court and hope that a Lis Pendens stops the pretender-lender from actually placing a bid on the property. At least in Denver, the Public Trustee’s office will postpone a sale if the pretender lender doesn’t send them a bid letter and will reschedule the sale date a week or two later.

    So any chance in a fight has to occur outside of the non-judicial-but-looks-judicial system of the Rule 120 hearing.

    Bankruptcy is certainly an option as well.

  12. Here’s a full glossary of securitization terms:

  13. I have my home being foreclosed on by HSBC, they filed their corporate assignment of mortgage 8 Months AFTER they filed for foreclosure. I have been seaching the internet for other recorded filings and it seems to me there is this “Peanut & Shell” game going on here that I need help on. Here is the deal…
    I have on my assignment a lady that says she is V.P. fo MERS as nominee for Wilmington Finance, a div. of AIG Federal savings Bank “Its successors and assigns”. Then there are two witness’s and the notary, but when I started googling everyones names they all appear on other assignments filed around the Country with their names in different places e.g. the notary is now the V.P. the witness in now the notary and my former V.P. is now the witness! This seems entirely unethical to me and is plausable that its false certification and intention to defraud. I live in Florida and I’m in need of some legal help with this one…. can ANYBODY help me on this? I have found out that they ALL work for HSBC and three of the four are notary’s, the one that signed as the V.P. is NOT but I can’t find anything out about her other than that? Please help if you can. Send email to

  14. Stan, talked with Michelson today. A bankruptcy won’t work for me because we could never pay on a Chapter 13. He suggested a law firm in Madison. I e-mailed them today. Michelson is strictly a bankruptcy guy, not a litigator. Nice enough guy, knows Leibowitz, but doesn’t litigate. I am planning on filing an appeal, if it’s not too late.

  15. What we have suspected all along…

    DOCX is using College Students to perform “data entry”…

  16. To what email do we send information relevant to HERS?

  17. We have a form from the Chicago Federal Reserve Board that asks if the Bank “destroys” loan documents AFTER scanning them.

    Would you like to see that form?

  18. Stan, there is no hope for a pro-se at this time in this town. I know things are tight, but you need an attorney for this. Especially on an appeal. You need case law.

  19. Stan, I am meeting with Michelson tomorrow at 9:00 a.m. I will post or call you after we find out where his head is at.

  20. Hope everyone knows this! Feds Increase Incentives for HAFA Short Sales

    March 29, 2010

    The Treasury Department has increased the incentives for servicers, investors and distressed homeowners to participate in an expedited short sales program that goes into effect April 5. Under the Home Affordable Foreclosure Alternative program, the servicer can receive a $1,500 incentive and the homeowner can receive $3,000 when a short sale or deed-in-lieu transaction is completed. “That $3,000 is going to turn some heads,” said Travis Olsen, chief operating officer of Loan Resolution Corp. “That is going to make it truly worthwhile” for the borrower to complete a short sale, he added. LRC specializes in short sales. Last December, Treasury proposed to pay the servicer only $1,000 and the homeowner $1,500 for relocation costs. Treasury also doubled the maximum payoff for subordinate lien holders that relinquish their claims and the reimbursement for first mortgage investors. Now the investor can pay the second lien holder up to 6% of the loan amount with a $6,000 cap and be reimbursed on a one-for-three match for up to $2,000. Originally, Treasury capped reimbursement at $1,000 and the payoff at $3,000. Subordinate liens must be extinguished under HAFA so the property can be sold and the former homeowner can walk away debt free.

  21. Collette,

    I am not in Colo., but still non-judicial(Calif). So I can’t really say
    what ALL your options might be. I do know THEY WILL TAKE YOUR HOUSE IF SOMETHING IS NOT DONE.

    The only route I can see is a BK. But that brings up a whole host of questions. Can you afford an attorney? BK attorneys are lot less costly than others. Just be CERTAIN they are comfortable doing Adversary Proceedings. Some BK Esq’ers aren’t up for real fight.

    If you haven’t already read up on David Shaev and O. Max Gardner, they are at the forefront of foreclosure defense practice in BK proceedings. I know some people are fighting Pro Se in BK’s also.

  22. Stanley,

    As a disabled veteran you have a different set of rights (federal rights) than a “regular” person does. While I am not an attorney, I know this because of my friendship with a paralegal who’s husband is disabled. Look her up on scribd, her names there is “nootkabearmcdonald”. She may be able to help you with which motions to file and how.

    Best of luck with this!

  23. Quote by: Thomas Jefferson
    (1743-1826), US Founding Father, drafted the Declaration of Independence, 3rd US President


    – Thomas Jefferson, Letter to Treasury Secretary Albert Gallatin (1802)

    The system of banking [is] a blot left in all our Constitutions, which, if not covered, will end in their destruction…
    I sincerely believe that banking institutions are more dangerous than standing armies; and that the principle of spending money to be paid by posterity… is but swindling futurity on a large scale.”

    Source: stated in 1811 when President Jefferson refused to renew the charter for the First Bank of the United States (the 2nd central bank chartered by Congress in 1791)

    “We must not let our rulers load us with perpetual debt.
    We must make our election between economy and liberty or profusion and servitude.
    If we run into such debt, as that we must be taxed in our meat and in our drink, in our necessaries and our comforts, in our labors and our amusements, for our calling and our creeds…
    [we will] have no time to think, no means of calling our miss-managers to account but be glad to obtain subsistence by hiring ourselves to rivet their chains on the necks of our fellow-sufferers…
    And this is the tendency of all human governments.
    A departure from principle in one instance becomes a precedent for [another ]…
    till the bulk of society is reduced to be mere automatons of misery…
    And the fore-horse of this frightful team is public debt.
    Taxation follows that, and in its train wretchedness and oppression.”

    The system of banking we have both equally and ever reprobated. I contemplate it as a blot left in all our constitutions, which, if not covered, will end in their destruction, which is already hit by the gamblers in corruption, and is sweeping away in its progress the fortunes and morals of our citizens. Funding I consider as limited, rightfully, to a redemption of the debt within the lives of a majority of the generation contracting it; every generation coming equally, by the laws of the Creator of the world, to the free possession of the earth he made for their subsistence, unincumbered by their predecessors, who, like them, were but tenants for life.

  24. Neil
    You need to cover Local Banks and when they keep the loans in house but they are a member of the Fed.
    I thinks they did loan swaps. They were the Bank of Elmwood . The FDIC shut them down last Oct and two weeks before that they took 3 of my rentals. They refused to help me a disabled veteren but they still have judgements against me for$100K. They foreclosed on me a house that I had $30K in . The default amount was $130K and they sold the house within a month for $15K to one of their buddies. I keep compalining that this is loan fraud but…
    Stanley Putra
    Racine, Wi. 53406

  25. Once all of this information has been compiled with all their names, titles, addresses, signatures, company affiliation– we should then begin submitting these (i.e. notary public signatures) to various state agencies for confirmation and verification that these “people” are actually who say they are on the paper closing statements (if it can be found) along with the foreclosure processing paperwork from the mortgage servicers. The real class liars in the industry.

    These notary public “signatures” can in fact be confirmed because they must be registered with the State Dept. We can demand a “viewing” of that persons’ notary journal in their possession at all times and no one elses. And, whether the named person as it is typewritten in the foreclosure dcouments…”Vice President” who signed payoff statements from the Bank actually holds that “typed in” title and whether they were actually and physically present at the time the notary public verified identification of that person.

    By the looks of the hundreds of fradulent paperwork I have personally examined thus far and viewing the names of people pushing foreclosure we do mistakenly think (and the judges mistakenly think this way too unfortunately) that nothing except hard, cold cash green money was exchanged at the closing table to purchase the collaterallized debt obligation. No such thing with securitization is there?

    I’m betting with the sensible majority that no one ever paid or had any kind of “liquid cash” to show at closing and that it is by paper appearance only to convince and mislead others that these impostors paid for the property they actually stole from the homeowner upon foreclosure and that the investor was similarly ripped off who put up the money so that only a select few companies by design (going back decades + could line their pockets in the future with billions and billions of $$$ in profit to throw into their corporate treasure chest collected from suffering hardworking middle income American taxpayers!

    A perfect example of equity stripping is our San Diego home we lived in for 20+ years. It was foreclosed on 2 years before and we didn’t know it because we sought bankrutpcy protection. We were evicted from our home and thrown out on the street by the foreclosure mill lawyers hired by the Bank and their realtor cohorts March 14, 2009. They succeeded because the pretender lender submitted false forged documents to the court and the Judges.

    We purchased the house for $192,900 in July 1989. Our principal balance was reduced to $164,000 under a new loan with Washington Mutual. Throughout the refinancing period in which we borrowed from our equity period we were paying an average amount of about $1,500-$2,500 per month over the course of 20+ years. In April 2006, our house came in on an inflated appraisal value of $650,000. From that, we drew out about $34,000 on equity at refinance which all went back to the economy and for the purpose of preserving our good credit standing with our creditors. The principal balance came to $588,000 according to Option One Mortgage Corporation. Residential Funding Real Estate Holdings, LLC unlawfully purchased the property without notice by bidding against themselves on the auction (again without our knowledge and we were under bankrutpcy protection) for $361,200 when they foreclosed and assigned the house to Litton Loan Servicing/Option One Mortgage/Quality Loan Servicing San Diego. In March 2009 (when I was unlawfully charged with trespassing, vandalism and re-entry of property believing we were protected under the the BK laws and after and unlawful Judgement from the UD Court and was placed under arrest by the San Diego Police Dept.) Island Source II, LLC purchased the house for $211,500 (claiming they are [innocent] Bonafide Purchasers of value under CC 1161(a) for $211,500.

    This month, March 12, 2010 Island Source II, LLC dba: Homecomings Financial Network in Minnetonka MN sold it to “InSource Financial Services, Huntington New York”, again, and again in violation of the Bankruptcy automatic stay; selling and transferring this time to a community homebuyer for $385,000 despite our opposition noticesand letters stating our intent to preserve interest filed with the County Recorder’s Office. The Judges [innocently] joined in on the pretender lenders fraud upon the court. Later, our appellate lawyer whom we trusted followed them to go against our interest and helped them to continue living the lie.

    We were stripped of $450,000+ in equity.

    Is this you?

    Our house payment at last refinance in May 2006 $3,919.60 then in April 2008 the ARM adjusted to $5,800.00 monthly payment. Whaaat! Our house was sold and wrongfully foreclosed like millions of other American families who were steered into securitized mortgage loans without their knowledge but no Judge or the court or law enforcement cared enough to help us correct these hurtful and malicious acts.

    Where was our “Fiduciary ” Trustee as named in our mortgage contract that should have been of our choice to explain the terms of our mortgage contract to us at the closing table?

  26. Colette
    You were sued for a judgement of foreclosure? Did you go to the register of deeds and look up your mortgage and note and get certified copies?
    There has to be a fight foreclosure group in Colorado?
    Email me
    Stanley Putra
    Racine Wi.

  27. Colette

    Anyone, help for Colette? Motion for Reconsideration, Appeal, independent action for fraud?? File for bankruptcy and reopen for fraud in foreclosure as to the actual creditor???

    I am not an attorney – and cannot offer legal advise – what should Colette do?? She is stuck with the opposite of a Judge Schack in Colorado.

  28. Thanks for asking. Where do I send my info? My foreclosure date is April 2 2010. in Grand County Colorado. Today I mail crtified signaturequired to the Grand County trustee and BOA /Countrywide attorney’s (Castle Meinhold and Starwiarski) a letter of Errore and ommision As a last ditch effort to put the ball back in their court. A non- judicial state, I argue Frddie mac was the owner and that they needed to be a plaintiff, but it was DENIED. and the judge sided with BOA on March 11. Any suggestions.?? Foreclsure Sale # F09-142 File # 09-02831
    225 County Road 804 unit c 14 Fraser Co 80442
    Thanks again. Colette

  29. Sir
    So what if our judges (civil court) just rubber stamp or deny what is right. It only costs $200 to appeal to the appelate Branch.
    Gray and Assoc. in Milwauke is the foreclosure mill. What can’t I look up several cases to put with mine and put in for summary judgement at the federal level and ask that a stay be put on all foreclosures handeled by them and make it a class action?
    If someone can right it up I will file it. Pro se
    Stanley Putra
    Racine Wi

  30. Where do I send them? I need help in Wis. I am going to put in a request to show legal standing to foreclose or dismiss. Their lawyers tried to use nunc pro tunc to assign the foreclosure default and rights to US Bank from Bank of Am from Lasalle Bank as trustee for Lehman XS trust series 2007-9. I have to look again at the registry. Lasalle Bank got a default judgement and the assignment was made after the judgement. The judges here just rubber stamp foreclosures
    Stanley Putra
    Racine, Wi.

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