I have been receiving a great deal of confidential information from sources that appear to be reliable. These people wish to maintain their privacy and have offered their information on condition of anonymity. This is a report concerning some of that information.

We have received information from several homeowners that when they went to the recording office and obtained copies of the documents on their loan closing they discovered that the note and mortgage (deed of trust) were dated before the loan closing. In some cases people are alleging an actual forgery and assert that they have handwriting experts to back them up. This alone is interesting. They don’t dispute the loan closing and they don’t dispute that they signed a note and mortgage. What they dispute is that the documents recorded are not the documents they signed.

A little more disturbing is the fact that several homeowners with specific knowledge are reporting forged and fabricated documents wherein the signature is actually computer-generated. Unlike previous reports on this blog which relate to the signatures of the various people supposedly representing the pretender lenders, these reports relate to the signatures of the homeowner.

Apparently there is technology that produces a false “true and correct copy” of any signature. According to the reports I am receiving, this technology is currently in widespread use by pretender lenders. The reasons for the use of forged signatures through computers may relate back to the original studies from three years ago where it was found that at least 40% of the notes were destroyed or lost. Somehow that issue has diminished over the last three years, but that doesn’t mean that it isn’t still true. (Another reason to follow our rule here “assume nothing, question everything.”)

There is a growing body of evidence that the pretender lenders and their attorneys are involved in a common practice of creating documents and forging the signatures. The witnesses produced afterwards are carefully coached on what to say. One specific case was pointed out by a reader in which the “witness” testified that they “would sign” and not that they “did sign.”

Additionally, I have a report that alleges that virtually all the names on foreclosure documents are false identities. In fact, this source alleges that several names in the mortgage electronic registration system are people who do not exist. The source was referring to the top management. I would also wonder whether the people who signed on behalf of MERS were false identities––in other words people who did not exist.

I have often said on these pages that MERS does not touch any of the documents or the money. I would maintain that that continues to be true, but there is an allegation from someone who has access to detailed information regarding the technology platforms in use that the actual fabrication of documents is managed by a common entity and electronically created off of a common technology platform. This has minimized but not eliminated cases in which the same homeowner and the same property is subject to multiple foreclosures from multiple sources.

The forgery of signatures through electronic devices is only a temporary stopgap until ERDS comes into widespread use, at which time a “digital signature,” will be all that is required. The problem here is that lawmakers have no idea what is involved in digital signatures and the many opportunities for moral hazard. Or, the other possibility is that they don’t care.

In any event it is worth repeating that the MERS technology platform is only a technology platform and does not involve people interacting with people. It involves people all over the country logging on to the MERS system and interacting with a computer. This interaction consists of both (A.) changing data at will and (B.) producing self-serving documents which purport to give any person designated in the computer session the right to sign on behalf of MERS or even other entities.

It is undoubtedly difficult to believe that the major financial institutions of this country are involved in the continuing fraud to literally steal the homes and property of tens of millions of our citizens. Yet that is the substance of the continuing flow of reports which I am receiving. What is particularly disturbing is that in no case have I seen any information that would contradict these reports in or out of court. Instead, it seems to be the common pattern of defense to finesse the issues of actual proof which would ordinarily be required in any foreclosure, particularly in a foreclosure that is disputed.

26 Responses

  1. Pamela Zander/Forensic Documents Research/760-617-7989

    Your sub-prime loan may be null and void.
    Most people believe the Deed of Trust or Mortgage is legal.

    Proof of designation of Beneficiary and Trustee is the key.
    1. Make sure Mortgage Electronic Registration Systems LLC (MERS) , (a Deleware Corp.) was registered by the Secretary of State when the loan was procured.

    2. Make sure the named Trustee was not a victim of Identity Theft.

    In California, MERS was suspended by the Sec. of State, from 2002 -2010.

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  3. Brian K. Korte Esq,

    Hi Brian – read your post and attachments. Just some points you may or may not know.

    1) Argent Mortgage was sold to Citigroup in September 2007
    2)American Home Mortgage Servicing was sold to WL Ross & Co. (distressed debt buyer) in 2008.
    3) American Home Mortgage Servicing Inc signed an agreement with Citi Residential Lending to acquire a servicing rights portfolio in Jan. 2009. Citi Residential is no longer operating.
    4) Under the named trust for the case you refer to, Deutsche Bank Securities was the lead security underwriter that purchased the loans from Argent/Ameriquest and securitized the loans off of it’s parent corporation’s balance sheet – not off of Ameriquest/Argent balance sheet. Deutsche Bank Securities then purchased all the certificates from the Trust (except for residual tranches).
    5) If the servicer was changed – and is no longer the stated servicer for the named trust (or its acquirer – Citigroup) the loan is no longer in the Trust (which was likely dissolved anyway) – and is either back on balance sheet of the purchaser bank – or sold to debt buyer (WL Ross & Co.???). Either way, Deutsche Bank, as trustee, has nothing to do with it.
    6) The May 2009 TILA Amendment states the creditor must be disclosed. The loan in question was sold in July 2009 to AHMSI (servicer), thus the creditor must be disclosed (WL Ross & Co. ?????) Servicers are not the creditor according to the Federal Reserve Interim Opinion – and neither are pass-through securities investors – for whom a trustee represents. Thus, the creditor, to date, has not been disclosed. And, not a lawyer, but but doesn’t the creditor have to be disclosed in bankruptcy anyway???
    7) Deutsche Bank is acting in capacity of trustee, however, Deutsche Bank Securities was the security underwriter – and it’s parent must purchase the loans before securitization (securitization is simply the removal of loan receivables from on-balance sheet to off-balance sheet conduit). Argent/Ameriquest sold the loans in entirety – to the bank (Deutsche Bank AG) for which Deutsche Bank Securities was a subsidiary security underwriter.

    Hope this helps – may be wrong – not a lawyer and this only intended for educational purposes – but if loan is not properly addressed (i.e. – it’s where-abouts) in bankruptcy – isn’t this a problem??

  4. Is the borrower in custody program the FED runs the reason why they won’t come up with the original?


    I saw the documents for this before 2007 and the verification storage requirements have all changed. Still, this could be the smoking gun that Banks kited a check to the seller while getting an advance to fund the check based on this program.

    With the note in this program they can sell the note and the FED is none the wiser. Banks that buy notes can do the same thing in the BIC program and still foreclose with a copy of the note. Pay off the advance. Find a new buyer and start the screw job all over.

    It seems the FED is harder to fool than the court system.

    Shout out to AlvieC for reminding me about this program. You rock!

  5. Thank you Jennifer. That makes sense now.

  6. Kickboxer,

    My name is Jennifer and I am going through this foreclosure fiasco right now. I am a client of Mr. Soliman. He is one that will spend as much time as required to get you or your attorney up to speed.

    First, MERS is an accommodation company that allows its members to wire funds in advance of recording public record. MERS has advanced into now concealing transfers it normally would have recorded. You cannot use public records to your advantage in a secretive or counter-productive way.

    Finally, a nominee is appointed solely for withholding from public records sensitive or personal information. By information I mean, having your name or anything in your past broadcasted over the internet the minute you file, for example, a new corporation. A nominee allows the principals or investors to remain out of the public’s view.

    Now, what’s interesting is, how a nominee is appointed in substitution of the principal at the time of filing your corporate information.

    What M. Soliman has explained to me is that a nominee is then immediately fired and anyone in my organization can then endorse documents that may fall into the public domain. If I sign a document or record an instrument and sign it, I cannot sign it on behalf of a nominee, only on behalf of my company whereby a nominee has been listed in public records.

    To list MERS on a document and to sign an instrument on behalf of MERS fulfills the rules set-forth by MERS and its members for registering the loan. Therefore, the party signing the instrument and MERS are acting in accordance with proper operating procedure. We at Living Lies and our attorneys challenge MERS capacity to act as a beneficiary in these instances. Therefore, the person who signs the instrument signs on behalf of MERS and its members for recording purposes, but not as a beneficiary. That is the illusion and material misrepresentation we have created for ourselves.

    M. Soliman explained it in simple terms as follows:

    The person signing anything where MERS shows has defeated the purpose of the nominee. Remember the nominee is fired immediately upon being hired.

  7. *** BREAKING ***

    Daniel J. Stern under assault in the local press over forged document charges http://www.palmbeachpost.com/money/state-foreclosure-mill-faces-allegations-of-falsifying-documents-839393.html … also this arrogant SOB intended to name his largest yacht “Su Casa Es Mi Casa” ,, Your house is my house…

  8. posted by Mario kenny


    We must get an expert to discredit the notes as “I believe” whereas we
    have a long fight but in the end I think we could all lose the case.

    link # 1 http://www.leagle.com/unsecure/page.htm?shortname=inbco20100419293

    link # 2 http://www.signaturemachine.com/products/demo_page.htm


    see link one for discussion

    see attached for customer list of who purchased auto pen.

    Deutsche Bank referenced the following documents in its Motion for
    Leave to Amend:

    1) the Note executed by the Debtor on July 14, 2006 endorsed in blank
    by Argent Mortgage Company, LLC;[ 5 ]

    2) the Mortgage executed by the Debtor on July 14, 2006 endorsed in
    blank by Argent Mortgage Company, LLC;

    3) an Unrecorded Assignment of the Debtor’s Mortgage in blank from
    Argent Mortgage Company LLC;

    4) an Assignment from Argent Mortgage Company by Citi Residential
    Lending Inc. as Attorney in Fact to Deutsche Bank signed by Tamara
    PriceV-ice President on February 20, 2008;

    5) an Incumbency Certificate, dated October 23, 2007, pursuant to
    which Kathleen Wood-Wagner, the Secretary of Citi Residential Lending
    Inc. certified that Tamara Price, among others, was authorized to
    transact on behalf of Citi Residential Lending Inc.;

    6) a Limited Power of Attorney granted to Citi Residential Lending,
    Inc. by Argent Mortgage Company LLC, dated December 5, 2008 and
    effective September 1, 2007, signed by Diane E. Tiberend, Secretary of
    Argent Mortgage Company, LLC, which was recorded on December 19,
    2008;[ 6 ]

    7) a Confirmatory Corporation Assignment of Deed of Trust/Mortgage
    from Argent Mortgage Company, LLC to Deutsche Bank dated August 12,
    2008, signed by Eileen Driscoll Rubens, Sr. Counsel, which was
    recorded on August 14, 2008;

    8) a “Joint Notification Letter, Notice of Assignment, Sale or
    Transfer of Servicing Rights,” dated July 17, 2006, to the Debtor,
    advising him that the servicing rights with respect to his loan had
    been transferred from Argent Mortgage Company, LLC to AMC Mortgage
    Services, Inc., effective July 14, 2006;

    9) a “Joint Notification, Notice of Assignment, Sale or Transfer of
    Servicing Rights,” dated September 14, 2007, to the Debtor, advising
    him that the servicing rights with respect to his loan had been
    transferred from AMC Mortgage Services, Inc. to Citi Residential
    Lending, Inc., effective October 1, 2007;

    10) a letter dated January 23, 2009, advising the Debtor that American
    Home Mortgage Servicing, Inc. had obtained the servicing rights to his
    loan from Citi Residential Lending, Inc., effective February 11, 2009;

    11) the Affidavit of Angela Sallworth, Bankruptcy Team Leader of
    American Home Mortgage Servicing, Inc.

    Based upon the foregoing documents, the Court finds at the time the
    Debtor filed his bankruptcy petition AMC Mortgage Services, Inc. was
    the loan servicer and that Deutsche Bank was the holder of the note.
    Deutsche Bank now holds both the note and the mortgage and has
    standing to enforce its rights under the note and mortgage it holds.
    See generally In re Samuels, 415 B.R. 8 (Bankr. D. Mass. 2009).

  9. The game will end when they have repossessed all our homes and are stuck with REOs that nobody will buy because they cannot be trusted for loans and because nobody will be in a good position to even get a loan. Let them forever be stuck with the property taxes, insurance, and maintenance.

    Trespass is right. Let’s not be part of their system any longer. They are evil and their system is evil. Money really is the root of all evil and they are in the pursuit of more and more money. They are akin to crackheads who continuously need to feed their addiction. Look at what the insurance companies are doing to the beneficiaries of the nation’s fallen!

  10. DyingTruth,

    No disrespect, ever.
    It’s not your government, it’s a corporation, and the CEO is the President of the Corporation. It’s job is to satisfy it’s stockholders and that is not a US Citizen. You are commodity, a human resource, collateral (if you are in that war), or whatever other terms they have for you.

    There is an END GAME, and we need to figure it our or not play their game. Every time you spend a paper bill you are still helping them even though they hurt you. They may be laughing at our ignorance that the paper, all of it, is the problem. The contracts, the deeds, what they call money, all of it.

    Spend coins and start putting a ding in their end game. They can’t tell if they are going to deal with hyperinflation because their paper dollar bill is going to zero, or a deflation, or whatever.

    Why because a lot are doing this as it’s always been, and the rest of us let go that system.

    Contact your county elections office and ask them how do you ‘un-register’ to vote. Tell them you don’t want your voter registration to ‘expire’ you want to ‘get out of the system’.

    When they see an exit of the employees of the corporation, they will realize they can’t satisfy their stockholders.

    Your power is outside the system not in it.

    My contract was a BAD ONE. That Deed was 10 years and I would have stayed in it, had they not tried to replace my beneficiary without doing a proper assignment of the beneficial interest. For a judge to decide someone has a right to my property and interfere with the private obligations of a trust I established 10 years ago with another beneficiary and trustee, and dispossess me from my home because someone had an ‘interest in my home’, was just too much for me. You can have all the ‘interest you want in my home’, but there had better be something in writing to support your interest and there was none. A law firm, and 6 people in it, declared a default when there was none. The company wanting to take my property never declared a ‘notice of default’ because I did not owe them a single penny! But they hired this law firm, said they had an interest in my property, demanded money, demanded I do a modification and when I refused their RICO tactics, they used my non-judicial state, and declared a default and acceleration with a document that would last only two years! SO they put that document in the courthouse, and stood outside the courthouse and had one of their 6 trustees say, “our client declared a default, so this house is for sale!” Truth in plain sight, yes they did declare a default, was it a real default, “No”! Were they owed any money? “No.” But they declared a default, so that’s not a lie is it! The notice in the courthouse said they had substituted trustees, so the notice was a combo notice, we declare a default and will sell the home, and we have appointed a substitute trustee who’s signature is below, declaring a default. Then 7 days later…yes later…yes later….they appointed a trustee to my in the public, naming me as Grantor and that trustee as grantee! OMG! I’m attached to people I don’t know! By a company I’d never done business with! They did the ‘fraud foreclosure sale’. For the fact a notice was filed by someone was was not appointed yet, was already a defect in process and could not result in a valid sale, but the notice was filed by someone who would later be appointed by a pretender who had not ‘power’ in the deed to even make the appointment’ was a double whammy in the fraud. They said the home is for sale at this amount and they went over by about $2500 and said that was their highest bid. I video taped it with my cell phone. It’s in the public, I can video tape the fraud, it’s outside a courthouse, not inside a courthouse.
    Then as I spoke that this was a fraud sale, and i didn’t know this company doing this sale, and the title is clouded if anyone bid on the home at the sale. There was no law officials there to protect my interest. There was no legal representation to say, the home can’t be sold if there is a question as to the validity of the person declaring a sale of the home. So, The trustee declared it sold for their client. There is a woman there for the county and she had a list of all the properties that were listed for sale, so when the Trustee declared it sold, she wrote on her paper for the county to record the sale. No one was there to verify the ‘proper party was doing the sale’. Many people had their home foreclosed on by attorneys that saw a Notice of Default in the public records, and then beat the business that filed the notice out of selling the home, because in my State if a Notice of Default (NOD) had been filed, someone would post a notice of a trustee sale, and sale the home before the ‘lender’ could sell it and if someone bought the home outside the courthouse on an “AS IS” basis with no warranty to the title, they were a victim of a fraud foreclosure purchase.
    The attorney was was a ‘fraudulently appointed Trustee’ filed a Trustee’s Deed. I found it about 7 days after the sale, and it was between the ‘supposed’ Trustee (the one who did the fraud sale) and the pretender, only…Cause I looked and read it. I was trying to see if they had actually “sold the home”, so I searched records under my name and saw nothing 7 days later, then I searched in the records for the ‘fraudulently substituted trustee’s name and searched for filings on the dates between my sale date and the current date and saw that TRUSTEE’S DEED with my property description on it. That’s how I found out the process of how they do non-judicial sales. . Then 3 days later, which is 10 days after the sale, I searched the records for my name and saw that same Trustee’s Deed had my name on it as a Grantor to the pretender. So they tied me to the pretender in three documents, none were a Deed of Trust, they tied me to the pretender with a two year notice filed (not recorded) in the courthouse, and Appointment recorded (forever) and a Trustee’s Deed recorded (forever).
    Then the pretender, knowing they are a pretender, took that Trustee’s Deed and made a Special Warranty Deed to Fannie Mae. Then the same law firm that set all this ‘theft’, using one of their 6, represented Fannie Mae and dispossessed me from my home.
    All of their affidavits said, “To the best of my knowledge’, because they compartmentalized the fraud so that no one trustee was doing all of the procedures for the fraud, but the law firm as a whole did all of the fraud.
    You have to question whether a company is legitimate or whether they have a right to do a foreclosure when their notice says, this!

    No warranties, expressed or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose shall be conveyed at the sale, save and except the Grantor’s warranties specifically authorized by the Grantor in the Deed of Trust. The property shall be offered “AS IS”, purchasers will buy the property “at the purchaser’s own risk” and “at his peril”, and no representation is made concerning the quality or nature of title to be acquired. Purchasers will receive whatever interest Grantor and Grantor’s assigns have in the property, subject to any liens or interest of any kind that may survive the sale. Interested persons are encouraged to consult counsel of their choice prior to participating in the sale of the property.

    How can they, without a legal right, without permission, without authority, without standing, without a right to possession say this?!

    Purchasers will receive whatever interest Grantor and Grantor’s assigns have in the property, subject to any liens or interest of any kind that may survive the sale.

    How can you do that and then leave it to me to pay exorbitant legal fees to attorneys to stop the theft of what’s already mine!

    “””””Purchasers will have whatever interest I have in the property!””””
    TRUTH IN PLAIN SIGHT….This didn’t say Purchasers would have whatever interest the pretender had in the property…because the pretender KNEW IT WAS MY PROPERTY!

    Theft pure and simple…right there, and I am a nobody to tell a court, a judge, anyone that I’ve BEEN ROBBED by a law firm for the ‘interest of their customer’.

    I’m a nobody and can’t tell a judge or Attorney General, that the same law firm has kept this as a closed loop, and represented everyone involved, including REPRESENTING ME AS A FRAUDULENTLY APPONTED TRUSTEE to steal my property!

    The best I could do was file a NOTICE OF FRAUD, because there is no way, no way, no way, to remove that FRAUD APPOINTMENT without spending money on a lawsuit.

    How can a judge with good conscience allow this to be considered valid? A judge without good conscience live with themself after knowing what was done and their ruling makes them a participant in this fraud.

    When I found out that the ‘TRUSTEE’ under my DEED OF TRUST, had the same pretender as a client!

    OMG! then I saw why it was so easy to transfer MY LEGAL TITLE to an unsecured pretender! The TRUSTEE under my DEED OF TRUST, by the provisions of TRUST LAW, could/should/ was limited to only transferring my legal title to the entity that had BOTH the Note AND a secured interest in the home (ie. is a beneficiary to the Deed of Trust (original or by assignment)

    The TRUSTEE violated TRUST LAW, and I’m dispossessed!

    Equal Justice for All?
    There’s more that was wrong, but if the obvious doesn’t protect a woman’s un-a-lien-able rights, as a non-resident alien to their system, from being dispossessed, then nothing in our out of their system will.

    That’s why in the language of Love, I know, the dispossessed are not forgotten, and there is a remedy that will be delivered from the Equal Justice for All available from the Universe.
    The souls of those on Earth who caused and are supporting the current imbalance are doing so for the sake of a worthless (and illusionary wealth) called money and at the peril of other souls that are from the same Creator, and have unalienable rights to life, liberty, and property free from trespass.

    To be protected from them, you have to be like them, and SUE IN THEIR COURTS JUST TO PROTECT YOUR UNALIENABLE RIGHTS!!!

    I will NEVER be like them and I will NEVER BE THE ENEMY, EVER! NEVER! EVER!

    So render unto Caeser what is Caeser’s!

    That DEED OF TRUST called me a ‘person’.
    I’m a woman. I was placed under an unconscionable trust and someone enjoined in my trust without the authority to do so, and an ‘ignorant’ (check it out judges and attorney’s, you have a legal dictionary) judge and attorney helped some unknown financial puppeteer rob men and women and children and gave them the United States of America one lot at a time.

    People entering a court, pro se, or whatever would be wise to learn these three words when they open their mouth, and put it at the beginning of every sentence they speak.

    Because everything you say is just a transcript, or a notice to the court, but not a record of the proceeding and they know it and you don’t.

    “FOR THE RECORD, I am a woman/man, sui juris, and I do not consent to being enjoined in this suit as a party, and I challenge the jurisdiction of this court to hear this case, and I will remain silent until the judge states whether this court has jurisdiction in this matter.”

    I challenged the jurisdiction and the judge asked me questions, and I told her, I need to verify whether the court has jurisdiction in this matter, and she said, that’s what I’m trying to determine so she told me to come forward to her bench, and I did and she asked questions and I answered her questions,and she asked other questions and I answered them, then she said “Now I have jurisdiction to hear this case.’

    What a judge…pat yourself on the back lady, you were so good and showing me I didn’t know court process that you took the last right I had to challenge the right of the other side to declare themself a plaintiff, and declare me a Defendant so they can steal my home. You were so good at being a judge and running your court that you managed to participate in a big fraud and theft.
    You are so good, you are part of the Racketeering and you are a good employee…yes you are! I didn’t know if she could declare a default judgment even if I was there.

    If I’d known how to put things “one the record” and that I could remain silent until she had determined jurisdiction, I’d still be in my house, But I’m always at home, because “Home is where the Heart is”..and you can’t foreclose on my body and remove my soul from its home. I didn’t know anything. And if I could do it over again, I would not know anything. People should be able to be protected by those that know how to harm by those that know how to protect. There is no protector. And there lies the problem.

    Light and Love,

  11. I can barely get past the first paragraph of this. Is there an “FAS140 For Dummies” book I could read instead? LOL


  12. M. Soliman,

    I am not sure if I am following you. Please tell me if I understand the issue correctly. If, for example, BofA sold the loan to Fannie Mae, then MERS role in the transaction is ended. Regardless of what the Deed says, MERS role as beneficiary/nominee is not transferrable where a bonafide sale has occurred. Is this what you are saying?

    In favor of Mortgage Electronic Registration Systems, Inc.

    MERS is your beneficiary’s nominee and transfer recording agent. Attorneys and pro per litigants have an advantage when they realize differences in MERS methods of operations.

    First, remember it is not MERS doing this, but the customers who exploit their services’. If you want to argue the issue it’s not hard to determine what the correct answer is with regards to MERS and culpability. What other businesses do you know of that provide a service with 100% indemnification by the clients?

    Hey, sue MERS all you want! (Joke really)

    Some attorneys think they are winning the fight and from the decisions I am seeing they sound no better than the original Boyko decision. The Cleveland Federal Judge in my opinion was shouting out something the critics and legal scholars missed.

    “Bring it back and do it again Boys…do it right next time!”

    They did. This was the birth of the New Deal! Thanks Judge B. Now MERS stands in for the Beneficiary.

    You need to silence the process and do it for good by showing the court where the fight ends. And rests there and ever after, never to be resumed. For these lenders who are trying to hurry up and pay back Obama who want an end to this nightmare ON THEIR TERMS!

    So we know they will be back! I know all to well first hand.I do also know a bit about MERS as our firms used their valuable service….but not as a nominee.

    Remember the congress spent 50 plus years trying to get the mortgage industry to conform to Full Disclosure and Complete Transparency! Now, of all the great arguments out there – has anyone contemplated sharing with a Judge the meaning of a “Nominee” Hmmm?

    First, you must differentiate where MERS is in fact acting with authority under its services provider role. MERS is an accommodation to assignments and transfers for delayed recordings. That is what they were set up to do.

    It’s necessary to get wires out to mortgage companies and get loans funded on time. Its huge where used and needed in “wet” states?

    MERS cannot represent, stand in, be substituted for, nor replace or become by novation a beneficiary whereby MERS is already listed in the deed of trust.

    Forget lack of standing will you …listen! Counsel…The beneficial interest was SOLD! Look at your deed – got it? Are they (whomever) stating MERS represents the successors and assigns? – Yes Successors By Merger!

    See “BAC “having acquired and merged with Countrywide (Crime Company). MERS transfers asset through a merger, and that it.

    Not convinced…. MERS can act as a “Beneficiary” for the successor by merger. MERS cannot claim to be a beneficiary for the proposed Sellers to the Buyers Successors and Assigns.

    People get up to speed on the accounting rules if you still do not understand FAS 140. and codified SFAS 140 defined rules for sale criteria. It defines what is needed for calling a transfer a bonefide sale.

    Therefore, you cannot impose or mandate MERS on the institutional buyer. It defeats the sale aspect of the transfer into a security. So who is MERS executing assignments for? From itself to a trust after, the fact. It’s now back to the same gibberish Boyko called them out for.

    The transfer into a trust is alleged to be on an open market transaction and sale. The argument for disqualifying the tax exemption and taxing the Universe is also same for considering recognition. MERS used as they wish us to believe, power of assignment and role in foreclosure, is dangerous stuff for tax attorneys to opine.

    I’m kicking back and watching things from a distance for the moment. MERS fighting flame throwers are using up a lot of hot air on funky arguments that at the time are winning. Winning what?

    Look, no beneficiary can sell its rights and then prosecute the terms of a security in a FC like they never sold the collateral to begin with. It cannot happen with regards to any of the names shown on the deed and there’s where MERS life as a Beneficiary begins and ends.

    The loan was sold- got it? MERS is not going to get the cigar from the boys at FASB or GAAP, for sure.

    This is meant to assure litigants that once the asset is sold it is lost to the sellers and seller holding any beneficial interest under a nominee. MERS is the beneficial interest at settlement showing on the security for the borrower’s collateral!

    Read your accounting manuals and forget the case law for a second. MERS cannot represent a purchase side of the transaction before the docs are signed and ink is dry.

    Mailto: Expert.Witness@live.com

  14. oh judge you can’t believe that this man and his thugs tried to rape me?


  15. I’m intrigued by this post of Neil’s…I’ve been able to find a few of the “assistant secretaries” that work for BAC and purport to work for MERS, but the one that signed my documents has been impossible to pin down so far. Perhaps that is because she is a figment of a computer’s imagination…hmmm…

    Willow’s point about credit is interesting. The thing is, the banks will never stop “lending” money because that’s the only way that can create money (as the Fed says, “Banks actually create money when they lend it”). Having a bad credit score doesn’t mean you can’t get a loan, it just means that you can’t get a loan at a low interest rate. I think that’s part of the banks’ plan: ruin as many people’s credit as possible to justify charging more exorbitant interest rates.

  16. Willow,
    Combine what the Gov’s doing with immigration reform and foreign possession of US property, simply put WE ARE BEING REPLACED.

    What we need to do is fiqure out the end game, I’m sure it’s something similar to what happened in the great depression. Make no mistake people THIS WAS NO ACCIDENT, this was in fact a plot very similar the one Rockefeller and Morgan pulled before the great depression. We need to figure out WHAT IS THE END GAME then organize, strategize overthrow and INSTITUTE A NEW GOVERNMENT OR THE ONE WE HAVE WILL DESTROY US ALL.

  17. Neil- I have a picture-perfect scenario of my signature and that of my wife being forged, fraudulently notarized (as we never signed the document) etc. I would like to send it to you for additional corroborating evidence on this post. I have been posting here for and reading for some time now, yet do not have your email address. Regards, ian

  18. 1st rule, and main rule, don’t trespass.
    Even if someone is asleep and doesn’t know what’s happening, don’t make them know. They get to wake up in their own time, and know in their own time.

    Control is and has always been an illusion.
    If you take my home, yes you controlled the theft, but my home was never the physical building and it was never anyplace you could give me or take away from me. So your purported win is in vain.

    Power is an illusion.
    An entity with true power would control the balance of power so that all life great and small could have a chance as survival for the basic standpoint that they are ‘alive’.
    Any entity that “assumes” the role of having power to squash existence, is not powerful at all, and that’s why they don’t have the power to ‘create life’ as a true power could, because they lack qualities that true power need.

    Love is not an illusion.
    An entity that forces themselves upon one and assumes a power they don’t have, and assumes a control that they don’t have, do not have the capacity to love. They create the word, and then they say it to each other “I love you.” “I love you, too.” But Love is more than a word and more than flowers or candy or card. Love is soooooooooo deep within the heart that you don’t have to have an object to ‘love’, you just ‘love’.

    Those that ‘think’ they’ve won over one’s that don’t want their trespass will find out that the power of LOVE will bring back the balance that is required here.

    Earth is alive, she has an energy and feels everything, and just like an abundance of insects that are taking over a crop field, and destroying a lot of food, nature has a way to make the weather unfavorable, or the conditions of the land unfavorable, or because there are so many insects, they draw many animals that think they are tasty until they are eaten all up.

    The Universe is not just Earth. The Energy of the Universe is not just Power and Hate and Lust and Greed. But that energy is projecting from Mother Earth into Outer Space, and it is drawing the attention of something that preys on those that generate that energy. Negative entities thurst for what these pretenders and their attorney and their judges are putting out.

    Energy has a source, so you have a ‘bucket’ so to speak of the energy you create. That bucket fills and releases based upon the deeds done. I love the ‘balance’ of nature even if the ‘scales of justice’ lost their balance.

    In the movie, “Harry Potter” Hagrid said, “There’s a storm a comin’ Harry.’

    The Sun and its CME’s and the Universe and it’s Negative Entities and Love are all coming together for a final cleansing of sorts.

    Displace me out of that place made of concrete, wood, tar, nickle (nails), copper, plastic, etc.

    That was and never will be my home.

    When I stand at a kiosk in a mall, and I want to know where “I AM”, that kiosk is a great reminder. It has a pointer and reveals –


    Truth in plain sight. Wherever I am, I am home, because I am a spirit commanding a body.

    Fraud Foreclosures could never remove me from my HOME!

    Light and Love,

  19. 40 Bizarre Statistics That Reveal The Horrifying Truth About The Collapse Of The U.S. Economy
    Posted by Admin | Posted in Economy | Posted on 20-07-2010

    Most Americans still appear to be operating under the delusion that the “recession” will soon pass and that things will get back to “normal” very soon. Unfortunately, that is not anywhere close to the truth. What we are now witnessing are the early stages of the complete and total breakdown of the U.S. economic system. The U.S. government, state governments, local governments, businesses and American consumers have collectively piled up debt that is equivalent to approximately 360 percent of GDP. At no point during the Great Depression (or at any other time during our history) did we ever come close to such a figure. We have piled up the biggest mountain of debt that the world has ever seen, and now that gigantic debt bubble is beginning to pop. As this house of cards comes crashing down, the economic pain is going to become almost unimaginable.

    Already, things are really, really, really bad out there. Unemployment is at shockingly high levels. Foreclosures and personal bankruptcies continue to set new all-time records. Businesses are being shut down at a staggering rate, more than 40 million Americans are on food stamps, and the U.S. government continues to pile up debt at blinding speed.

    There is no use sugar-coating it.

    The U.S. economy is collapsing.

    The following are 40 bizarre statistics that reveal the truth about the collapse of the U.S. economy….

    1 – According to one shocking new survey, 28% of U.S. households have at least one member that is looking for a full-time job.

    2 – A recent Pew Research survey found that 55 percent of the U.S. labor force has experienced either unemployment, a pay decrease, a reduction in hours or an involuntary move to part-time work since the recession began.

    3 – There are 9.2 million Americans that are unemployed but that are not receiving an unemployment insurance check.

    4 – In America today, the average time needed to find a job has risen to a record 35.2 weeks.

    5 – According to one analysis, the United States has lost 10.5 million jobs since 2007.

    6 – China’s trade surplus (much of it with the United States) climbed 140 percent in June compared to a year earlier.

    7 – This is what American workers now must compete against: in China a garment worker makes approximately 86 cents an hour and in Cambodia a garment worker makes approximately 22 cents an hour.

    8 – According to a poll taken in 2009, 61 percent of Americans “always or usually” live paycheck to paycheck. That was up significantly from 49 percent in 2008 and 43 percent in 2007.

    9 – According to a recent poll conducted by Bloomberg, 71% of Americans say that it still feels like the economy is in a recession.

    10 – Banks repossessed 269,962 U.S. homes during the second quarter of 2010, which was a new all-time record.

    11 – Banks repossessed an average of 4,000 South Florida properties a month in the first half of 2010, up 83 percent from the first half of 2009.

    12 – According to RealtyTrac, a total of 1.65 million U.S. properties received foreclosure filings during the first half of 2010.

    13 – The Mortgage Bankers Association recently announced that demand for loans to purchase U.S. homes has sunk to a 13-year low.

    14 – Only the top 5 percent of U.S. households have earned enough additional income to match the rise in housing costs since 1975.

    15 – 1.41 million Americans filed for personal bankruptcy in 2009 – a 32 percent increase over 2008.

    16 – Back in 1950 each retiree’s Social Security benefit was paid for by 16 workers. Today, each retiree’s Social Security benefit is paid for by approximately 3.3 workers. By 2025 it is projected that there will be approximately two workers for each retiree.

    17 – According to a new poll, six of 10 non-retirees believe that Social Security won’t be able to pay them benefits when they stop working.

    18 – 43 percent of Americans have less than $10,000 saved for retirement.

    19 – According to one survey, 36 percent of Americans say that they don’t contribute anything to retirement savings.

    20 – According to one recent survey, 24% of American workers say that they have postponed their planned retirement age in the past year.

    21 – The Conference Board’s Consumer Confidence Index declined sharply to 52.9 in June. Most economists had expected that the figure for June would be somewhere around 62.

    22 – Retail sales in the U.S. fell in June for a second month in a row.

    23 – Vacancies and lease rates at U.S. shopping centers continued to get worse during the second quarter of 2010.

    24 – Consumer credit in the United States has contracted during 15 of the past 16 months.

    25 – During the first quarter of 2010, the total number of loans that are at least three months past due in the United States increased for the 16th consecutive quarter.

    26 – Things are now so bad in California that in the region around the state capital, Sacramento, there is now one closed business for every six that are still open.

    27 – The state of Illinois now ranks eighth in the world in possible bond-holder default. The state of California is ninth.

    28 – More than 25 percent of Americans now have a credit score below 599, which means that they are a very bad credit risk.

    29 – On Friday, U.S. regulators closed down three banks in Florida, two in South Carolina and one in Michigan, bringing to 96 the number of U.S. banks to be shut down so far in 2010.

    30 – The FDIC’s deposit insurance fund now has negative 20.7 billion dollars in it, which represents a slight improvement from the end of 2009.

    31 – The U.S. federal budget deficit has topped $1 trillion with three months still to go in the current budget year.

    32 – According to a U.S. Treasury Department report to Congress, the U.S. national debt will top $13.6 trillion this year and climb to an estimated $19.6 trillion by 2015.

    33 – The M3 money supply plunged at a 9.6 percent annual rate during the first quarter of 2010.

    34 – According to a new poll of Americans between the ages of 44 and 75, 61% said that running out money was their biggest fear. The remaining 39% thought death was scarier.

    35 – One study found that as of 2007, the bottom 80 percent of American households held about 7% of the liquid financial assets.

    36 – The bottom 40 percent of all income earners in the United States now collectively own less than 1 percent of the nation’s wealth.

    37 – The number of Americans with incomes below the official poverty line rose by about 15% between 2000 and 2006, and by 2008 over 30 million U.S. workers were earning less than $10 per hour.

    38 – According to one recent study, approximately 21 percent of all children in the United States are living below the poverty line in 2010 – the highest rate in 20 years.

    39 – For the first time in U.S. history, more than 40 million Americans are on food stamps, and the U.S. Department of Agriculture projects that number will go up to 43 million Americans in 2011.

    40 – A new Rasmussen Reports national telephone survey has found that just 23% of American voters nationwide believe the federal government today has the consent of the governed.

  20. Let’s suppose for a moment that all the banks foreclosed on everybody…just go with it…imagine the absolute far out there; every homeowner in America, whether the house was free and clear or not. After all, if they are forging documents, why not hit every last person in America?

    Now, just imagine that as a result every last person in America has crap for a FICO score. Nobody is going to lend us a plug nickel. Our credit score is ZERO…minus 5. Really bad.

    So, nobody is going to be buying any of these foreclosed houses because we are all out of jobs, have no money and don’t have any credit. So, what happens to the inventory? Who’s going to maintain it? Who’s paying the property taxes? The insurance? How are they going to stop squatting? Are the banks going into the rental business?

    I ask these questions because I read somewhere (probably here) that they’ve got a least nine years of back inventory and probably more. The counties and states are going to want their property taxes, especially here in Oregon because that’s how the state functions (we have no sales tax). With everybody out of work and probably working for cash under the table, just who exactly is going to pay? I venture to think that someone didn’t run his models very well.

    You see, I think people are going to get real crafty, just like they did in the old USSR. There’s going to be an underground economy, people are going to barter and trade either with cash or seashells or work and craft. In the end, the short term gain is going to be a long term headache for these schemers. They are going to have a boat load of inventory they can’t unload. I sure as hell am not going to buy another house. They can eat their inventory for all I care. And I’m sure as hell not going to obtain any credit cards, either.

    Just a thought.


  21. “When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it.”

    Frederic Bastiat

    I would urge everyone to read “The Law” by Frederic Bastiat. The book was written in 1838, but the issues are relevant to today.

  22. I can’t find it now but there was an article written about this exact thing. A couple found themselves being foreclosed by a lender that was not even their lender. Before the couple purchased their home, a woman had inquired into buying that same property. The lady decided against the purchase and so closing never happened. Years later, the bank was foreclosing on the couple that did buy the house. The bank produced forged documents with signatures from the lady who had never gone through with the purchase of the home. There was no closing, the process never got past the Good Faith Estimate, so how is it that the bank had in their possession documents signed by the “would be” purchaser? They probably securitized the loan using forged documents and when the “would be” purchaser cancelled the purchase, they never pulled the loan from the pool.

    Dang, I wish I could find the article.

  23. Oh trust me the FBI (well the majority of it there are some good agents) is not missing any action, I’m sure they’re getting their cut too. Did you know that the FBI outsources to corporations google “FBI outsourcing Infragard”.
    LivingLies said:
    “It is undoubtedly difficult to believe that the major financial institutions of this country are involved in the continuing fraud to literally steal the homes and property of tens of millions of our citizens.”
    Come on Neil, this is not at all difficult to believe and the sooner we get evryone up to speen the better. The way the corrupt system works is just like the classic pyramid. Lenders, banks servicers etc.. are only in the middle, below them investors pensions etc.., above them attorneys wall street etc.., above wall street is the government congress the judiciary etc….. Dare I say who may be lurking in the top of the pyramid, most likely be labeled anti-semitic if I should (Like I care, I don’t even know what a SEMIT is. Have you ever looked at the front page of the TIMES in the mirror). If we don’t turn this rat maze upside down quick and expel the vermin that infest our country we are going to end up like the Russians did EXTERMINATED!!!!

  24. jlsemidey,

    Wish I could stop bleeding and restore humanity…but someone bigger than all of us has orchestrated the crime. Only faith in God can save us.

    I choose my faith and to fight to the end. Until lambs become lions. Never give up !

  25. let me get this right, the pretender lenders and their co-conspirators have a legal right to steal some one’s home, to forge documents, to conspire against our country, to launder money and the FBI is missing in action?

    I am telling every one if we got together in a meeting and decided to fabricate documents, to forge signatures, to steal some one’s property, to design and execute a double headed pyramid scheme we would have the FBI, Secret Service, local police, postal police and other law enforcement agencies knocking our doors.

    What is the difference between those in wall street and those working for the pretender lenders, the judges and the foreclosure mills and us?

    is there anything in the constitution that gives them a higher level as Americans, why would they have more protection than any one of us.

    MERS is just a sham, and the stock holders are the same pretender lenders that are foreclosing. The foreclosure mills are just in for their bonuses and now that they know that the homes are going to entities that may not even exist, are even riging the bid process and having their cronnies bid to get homes for the cheap.

    I have to agree with some one I just cannot actually trust but said something really solid. Sarah Palin said the “Mr. Obama has no COJONES”. Translation, no one in the Obama Administration has had the BALLS to do what is right.

    They would all prefer to destroy the financial backs of the middle class than to go after those who have destroyed the economy, futures and dreams of millions of Americans.

    It is not just 1,000,000 foreclosures this year. It is 1,000,000 foreclosures per year for the last four and a half years.

    That is a crime against humanity. How many tragedies, how many of us have to pay the price for their lack of BALLS.

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