see also black-friday-madness-of-a-lost-society.html

Or to put it another way, are we all so brainwashed by the financial system that we still can’t accept the fact that not only are they as irresponsible and untrustworthy as any other person in the marketplace, they know just how to use the appearance of institutional honesty to commit the most dishonest act?

The story the financial industry wants us to believe is that borrowers are bad or they are simply too poor to afford maintaining the mortgage that the bank gave them in good faith. If that’s all there is to it, then why do they need to commit fraud so often that it is now custom and practice in the industry to commit fraud when mortgages are originated and when foreclosures are initiated? Why would that be necessary?

How long will the presumption of borrower guilt and obligation persist in the face of constant fraudulent tactics and strategies to cheat regular people like you and me out of as much money as  possible? If the situation is as clear-cut as they want us to believe, why all the lying?

The plain fact is that the pretender lenders can’t prove their case when they are called upon to do so. They can’t prove it because they don’t have a case. Nobody in any of these securitized loan cases, has ever stepped forward and proven that they are a creditor to whom the money is owed. In every case where the foreclosure was allowed to proceed it was based upon presumptions that the pretender lender was less likely to be lying about the situation than the apparent debtor. What if that just isn’t true?

14 Responses

  1. John:

    If they have accelerated the Note, if you make partial payments and they accept it, we have never been able to continue with the sale. While it is true they still maintain their rights to foreclose if you make partial payments, they cannot do it after they accelerate your note. You have to get them to agree to stop the sale if it has been accelerated. Usually they return the payment if an actual foreclosure is in play. However, things are different now, perhaps they can. Why would anyone make a partial payment if it was not going to stop a foreclosure sale.

  2. Eule:

    Thank you Eule for this valuable link. I sent it out to a good number of people. We plead it till we were blue in the face for several years and now the judges are listening to us. This will be great help to many.

  3. do not assume that the lender is going to stop the sale just because you are making partial payments. Their loan documents typically allow them to continue to collect partial payments without jeopardizing their right to foreclose.

  4. When the Government ‘owns’ all the MBSs, through Federal Reserve counterfeiting……

    Then the frauds needed??? – Probably 100,000 to infinity!

    No Justice = Payment Slaves with Trillions in more income taxes for 30 years! Their real motivation.

    Cancel all Bank mortgages for Fraud and Nullity NOW! Save America’s families from ruin and fraud.

  5. How many times does a judge have to commit fraud
    before they are put out to pasture?

    A Court without Jurisdiction can only issue a
    VOID JUDGMENT ab initio. Any deed issued
    on a Void Judgmenr is a forgery

    The making of a false document knowing it to be false with intent that it should be used or acted on as genuine to the prejudice of another.

    Judge Alice Schlesinger knows the meaning of a Forged Deed but refused to be bound by it when she has more to gain to let a Title Company use it as if it conveyed rights to them.

    If you know the name Justice Alice Schlesinger, she was a plaintiff in the original lawsuit suing for more money for the Judges.

  6. GEORGIA residents, If Bank of America or BAC is trying to throw you out of your house…contact me & lets compare notes. They have been torturing me for no apparent reason, other than to make me fed up so I will walk away. I have people actually peeping in my windows on about 12 different occasions. They are actually driving me crazy.

  7. I have asked that myself. And its not just limited to foreclosures.

    Junk debt buyers are coming under increasing scrutiny for their disreputable activity and FRAUDULENT activity. I just sought to overturn a judgment with this same company (Midland/Encore) in which I pointed out their clearly fraudulent activity.

    But here’s why the banks are getting away with it, and people like Midland as well.

    Because the courts are equally corrupt. monkey see monkey do.

    All of the lip service about accountability by our judges and attorneys is just that LIP SERVICE, I can vouch for that from my personal experiences.

  8. […] This post was mentioned on Twitter by kim thomas, USA Advocate. USA Advocate said: HOW MANY TIMES DO BANKS HAVE TO COMMIT BANK FRAUD BEFORE THEY ARE ACCUSED OF BANK FRAUD?: […]

  9. GEORGIA RESIDENTS: I have an attorney in Georgia who is wanting to file a CLASS ACTION LAWSUIT against Bank of America & BAC. If you want more info e-mail me at

  10. Foreclosure lawyers are officers of the court knowledge of applicable laws and civil procedure is not required from mortgage lenders, nor loan servicers. In states that require judicial foreclosures, FORECLOSURE LAWYERS are the ones who file lawsuits to seize and sell property; and lawyers are responsible for filing and recording foreclosure property deeds.

    Inadequate or questionable foreclosure can lead to useless property deeds that impede real estate sales. Increasing numbers of title insurance companies are refusing to cover foreclosed properties; and certain mortgage default claims, are being denied because of defective foreclosure proceedings. . .”

    SEE: Request for Congressional Foreclosure Panel to Examine Foreclosure Lawyers @

  11. It may be starting…the run on JP Morgan. I’d love to see Jamie Dimon faceing foreclosure.

    It is widely known that J.P. Morgan (NYSE: JPM) holds a giant short position in silver. Furthermore, some observers are accusing the bank of acting as an agent for the Federal Reserve in the market – every tick higher in the price of silver undermines confidence in the U.S. Dollar. A lower silver price helps keep the relative appeal of the U.S. dollar and other fiat currencies high.

    By selling massive amounts of paper silver in the futures market, JPM has been able to suppress the price of the precious metal. It is believed that these short positions are naked (i.e. they are not backed by any physical silver). In fact, reports indicate that JPM is short more paper silver than physically exists in the world.

    An article by Max Keiser which appeared in the Guardian on December 2, 2010 claims that the size of the short position is 3.3 billion ounces of silver.

    In recent days, rumors have been swirling on the internet that JPM’s massive short position is about to blow up in their face in the form of an almighty short squeeze and potential COMEX default as large traders demand physical delivery of silver that COMEX does not have in their vaults.

    J.P. Morgan is currently under investigation by the CFTC for allegedly manipulating the price of silver. The investigation into the bank can be traced back to November 2009 when London metals trader and whistleblower Andrew Maguire contacted the CFTC to report market manipulation prior to it actually occurring.

    Maguire had been told by J.P. Morgan commodity traders that the bank was manipulating the price of silver and subsequently reported this to the CFTC. He also gave the CFTC two days’ notice about an impending silver manipulation that would take place around the Nonfarm payrolls number on February 5, 2010.

    The manipulation played out EXACTLY as Maguire had predicted. You can find the emails between Maguire and Ramirez here. Shortly after this information came to light, the whistleblower was involved in a bizarre hit and run accident in London which caused him and his wife to be hospitalized.

    The price of silver has absolutely exploded in recent months as these reports have surfaced and it is clear that blood is in the water. The predator (J.P. Morgan) has now become the prey. Every tick higher in the price of silver brings more pressure on the bank to cover their short position. This in turn puts more upward pressure on the silver price.

    It is not clear if JPM has been actively trying to reduce their exposure or not – but something is definitely going on. The price of the widely traded iShares Silver Trust ETF (NYSE: SLV), which tracks the spot price of the precious metal, has exploded in recent months.

    On August 23rd, the SLV closed at $17.61. The ETF closed on Friday at $28.60 and the price of silver is now trading at 30 year highs. Over the last three months, SLV is up over 47%.

    In the overnight futures session on Sunday night, silver is currently trading 2.27% higher at $29.935. SOMETHING IS GOING ON. Making matters worse for JPM is the fact that a viral campaign (Crash JP Morgue Video) to buy physical silver and “crash” the bank is now spreading like wildfire on the internet. Just Google Crash J.P. Morgan Buy Silver.

    Furthermore, it appears that significant physical silver shortages are developing in the marketplace and the metal is being sold well over spot where it is available. Shortly after popular financial blog ZeroHedge posted the “Crash The JP Morgue” video (linked to above), the website which created the video,, reported that it was sold out of inventory and will not be taking new orders until December 6.

    Another report indicates that JPM may really be on the ropes with their short silver position and are attempting to hedge themselves by buying $1.5 billion worth of copper. According to the Telegraph, the bank has bought “between 50% and 80%” of the 350,000 tonnes in reserve at the London Metal Exchange.

    ZeroHedge opines that “JP Morgan is now intent on cornering the copper market, as the monopolist firm stretches its FRBNY-facilitated muscles in an attempt to stem the massive losses incurred via its silver short.”

    Readers who are interested in learning more about this story are encouraged to do follow up research and post comments. Those who wish to participate in squeezing the living daylights out of JPM, may want to consider buying physical silver, silver futures and SLV.

    Keep a close eye on this market during the coming week…

    Read more:

  12. [youtube=]

  13. Written Testimony of
    Christopher L. Peterson
    Associate Dean for Academic Affairs and Professor of Law
    University of Utah, S.J. Quinney College of Law

  14. When we have the likes of Eric “Place” Holder as US AG, bank fraud will continue to be swept under the rug.

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