FEDS SUE ALLIED MORTGAGE FOR FRAUD IN MORTGAGE BROKERING

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“Allied never played by the rules.”

EDITOR’S COMMENT: The only thing I don’t like about these reports is the implication that mortgage fraud consists of isolated instances in which industry standards for underwriting were undermined or ignored. They always imply that it was some individual in the company or at the head of the company who was responsible. That isn’t true.

The whole reason Allied acted with impunity is because Wall Street wanted Allied to act this way. Every time Allied or anyone else came up with a loan that had a nominal percentage rate above market rates, the amount of money that Wall Street funded out of investor purchases of bogus mortgage bonds was decreased.

This they then reported as a trading profit” when in fact all they did was take $1 billion from investors and fund $700 million in mortgages, the rest being trading profits arising from the fact that this was in actuality a Tier 2 Yield Spread Premium unreported to either the borrower (required under law) and unreported to the investor (required by law and the documents of securitization).

The more crooked the mortgage broker, the more money the Wall Street investment Bank made in “trading profits.” In Florida, we already reported years ago that 10,000 newly licensed mortgage brokers were people recently out of prison convicted of economic crimes. They needed an army of crooks and they got it anyway they could.

The investors know these facts. But the investors are actually institutions themselves run by management that hasn’t exactly told the whole truth yet about the extent of losses in the pension fund or other managed fund. Thee management of these funds consists of individual people who are seeking another bonus, another year of employment and benefits. And of course with the revolving door on Wall Street they want to anger a prospective (or existing) employer. Eventually they are going to be required to fess up as to the amount of losses, why they didn’t do due diligence and most of all why they didn’t mitigate their losses and instead chose to let Wall Street, who had already stolen part of the money, go ahead and steal the rest too.

These managers shouldn’t be too surprised when the Banks turn on the investors and tell them it was their fault for not doing their homework and that if they wanted something other than the foreclosures (like modifications, settlements and short-sales that would have reduced the loss), they should have said so.

Feds sue mortgage broker, alleging lending fraud

APBy LARRY NEUMEISTER – Associated Press | AP – 20 hrs ago

NEW YORK (AP) — The federal government sued one of the nation’s largest privately held mortgage brokers on Tuesday, saying its decade-long fraudulent lending practices cost the government hundreds of millions of dollars and forced thousands of American homeowners to lose their homes.

The lawsuit in U.S. District Court in Manhattan sought unspecified damages and civil penalties and named as defendants Houston-based Allied Home Mortgage Corp., founder Jim Hodge and Jeanne Stell, the company’s executive vice president and director of compliance.

Joe James, a company spokesman, said he was aware of the lawsuit but had not yet seen it. He declined immediate comment.

At a news conference, U.S. Attorney Preet Bharara said Allied had carried out its fraud through its authority to originate mortgage loans insured by the U.S. Department of Housing and Urban Development, or HUD.

“The losers here were American taxpayers and the thousands of families who faced foreclosure because they were could not ultimately fulfill their obligations on mortgages that were doomed to fail,” he said.

The prosecutor said the investigation continues and “if and when we have sufficient evidence for a criminal case, we’ll bring it.”

Helen Kanovsky, HUD’s general counsel, said the agency had stopped insuring loans for Allied and was seeking to prevent Hodge from participating in any government programs again after seeing the destruction that the fraud had caused in communities across the country.

“Mortgage fraud has very real human victims,” she said.

According to the lawsuit, nearly 32 percent of the 112,324 home loans originated by Allied between Jan. 1, 2001, and the end of 2010 have defaulted, resulting in more than $834 million in insurance claims paid by HUD.

The lawsuit said the default rate climbed to “a staggering 55 percent” in 2006 and 2007, at the height of the housing boom, when the government paid $170 million to settle Allied’s failed loans. It said an additional 2,509 loans are now in default and HUD could face $363 million more in claims.

The government said Allied made substantial profits through the loans while it violated rules meant to protect HUD’s insurance fund and deceived the agency by originating loans for years out of hundreds of “shadow” branches that were not approved by HUD.

The deceitful practice was continued under Hodge’s direction even after several senior managers voiced concerns, the lawsuit said.

“Allied operated with impunity for many years due a culture of corruption created by Hodge, who eliminated the position of chief financial officer and other senior management positions, intimidated employees by spontaneous terminations and aggressive email monitoring, and silenced former employees by actual and threatened litigation against them,” the lawsuit said. “As a result, Allied was able to conceal its dysfunctional operations and maintain its profitable position in the mortgage industry.”

Allied operated 600 or more branches at once but only maintained two quality control employees in its corporate office, requiring branch managers to assume financial responsibility for their branches, the lawsuit said.

“Allied thus operated its branches like franchises, collecting revenue while the branches were profitable, then closing them without notice when they were not, leaving the branch managers liable for the branch’s financial obligations,” the lawsuit said.

The government said Allied failed to implement its internal quality control plan, “effectively allowing its shadow branches to operate independently of any scrutiny whatsoever,” the lawsuit said. “Allied utterly failed to conduct audits of its branches or review its early payment defaults as it was required to do by HUD.”

The lawsuit accused Stell of instructing branch managers how to answer questions from HUD auditors and said she acknowledged in an email that she instructed someone else to sign certifications that its branches met federal requirements because she knew they were false.

Bharara said Allied was playing a “lending industry equivalent of heads-I-win, tails-you-lose.”

He added: “Allied never played by the rules.”

33 Responses

  1. @Carie…..”I have all recorded documents—there was never a “transfer to trust” recorded—just “Substitution of Trustee and Full Reconveyance” for the 2006 refinance with IndyMac, FSB…..”

    In CA recorded assignments are a “fuzzy” matter but, in order to protect the lien rights of the priority holder, albeit, first lien holder under a DOT with the power of sale, an assignment of the beneficial interest in said lien should be a recorded instrument. (I’m not going to argue case law here as in 2932.5 relating to Stockwell or appellate decisions relating to Robinson or Calvo.

    My point is simply this…..within the “Substitution of Trustee” OR any “Corporation Assignment of Deed of Trust” that was recorded, your “loan” was transferred to a “trust” within the embodiment of the “language” of a recorded document…..however that same “language” is misleading at best…..remember the words of John Gallager, PR spokesman for Deutsche.

    A “transfer / assignment” is necessary in order to protect priority lien rights…..so one must think, how some “trust” received said rights and also how some tax exempt SPV / SPE (trust) can hold said rights allowing it to foreclose. Again remember the PR statement of John Gallager on behalf of Deutsche.

  2. Thank you, Gary H.

    I have all recorded documents—there was never a “transfer to trust” recorded—just “Substitution of Trustee and Full Reconveyance” for the 2006 refinance with IndyMac, FSB (now defunct)…IndyMac/One West now “servicing” for an alleged “loan” allegedly in some “trust”. I asked them to prove it and they ignored me…

    Any info is appreciated: cariemac9@gmail.com

  3. Here you go thharry,

    I posted this video last sunday for E tolle. It had 119,000 hits. Now it’s up to 432,000 hits. It’s going viral………………….

  4. @TNHARRY

    you said

    “Gum, shingles, OWS, and prank phone calls are no substitute for knowledge”

    —————————

    While you are correct, it is no substitute for knowledge but who cares. They play dirty, anything others do to let the fraudsters, the pretender lenders know we are onto them and anything we can do to fight at least puts us on a cause point instead of being the effect of their crimes. And they are big banks and Wall St.

    It’s time to reverse the flow of fear.

    I’m going to Costco to get a whole truckload of gum……………..

  5. @tolle, prick I may be, but I know those cases have no precedential value in CA. And I also know that CA has gone the opposite way on many of the same issues. Gum, shingles, OWS, and prank phone calls are no substitute for knowledge

  6. @ Carie,

    “What can someone in So Cal do to fight back if and when foreclosure mill attacks???
    Lis Pendens??? BK??? So much carnage out here…”

    The very first thing I would suggest is to procure all recorded documents relative to your mortgage from the County Recorders Office and study them for flaws and violations of California, civil, government and penal codes. I discovered violations to the extent of notary fraud and forgery and, recordation many months after assignment to the “trust”. Under NY Trust Law there are specific requirements noted in the PSA regarding assignments, timing etc.

    Lis Pendens in CA is Not a “stand-alone” filing with the Court, it is a required element to a pending lawsuit and must be signed by the judge in the case, before it can be recorded with the recorders office. Once recorded Lis Pendens basically warns anyone interested in purchasing said property at a trustee sale that a lawsuit is before the Court which effects such things as title etc. It tends to have the affect of “non-interest” by a potential purchaser at a trustee sale until the lawsuit is decided.

    BK is a viable means only if you can pass muster of the financials with a Chapter 13 repayment plan, Chapter 7 is a different story.

    Question…..has the foreclosure mill attacked yet in your situation and where in CA are you located? I’m also in CA and fighting back in Court, maybe we could exchange some info.

  7. @johngault

    you said

    “WE should start issuing our own 1099a’s to the people we know took our homes with no right to do so, especially since no one wants to file the appropriate criminal charges. oh, yeah. MERS alone would get thousands and thousands and thousands of them.”

    That is actually not a bad idea.

    And you can add pretender debt collectors to the list. For credit card debt supposedly collected by a debt collector for an original creditor when in fact they are collecting their own debt which they paid for and want you to pay them profits……..

  8. And for desert, in re: Agard:

    Premised on the foregoing documentation, MERS argues that it had full authority to validly execute the Assignment of Mortgage to U.S. Bank on February 1, 2008, and that as of the date the foreclosure proceeding was commenced U.S. Bank held both the Note and the Mortgage. However, without more, this Court finds that MERS’s “nominee” status and the rights bestowed upon MERS within the Mortgage itself, are insufficient to empower MERS to effectuate a valid assignment of mortgage.

    http://www.scribd.com/doc/48827432/In-Re-Agard-48750818-US-Bankruptcy-Court-New-York-Memorandum-Decision

    Take advantage of every mediation type deal that comes your way. Holding these jerks off is vital until sanity returns to the judicial system. Go in person and speak with a deputy AG. Explain, sans the no mortgages theory, how they’ve lied at every corner. Search and find a valid accounting issue, I know there’s one there, and do another QWR with this specific item so that they can’t use the overly broad standard meme. Bring this to your AGs attention, that your pretender isn’t responding to a valid accounting concern. Make sure and cc the OCC just for pomp and circumstance.

    Get proactive. Join an OWS rally near you. Stick used chewing gum under the chairs of all local TBTF branches. Return all credit card offers with roofing shingles in the supplied envelopes. Call the local branch of B of A and ask if they’ve got Prince Albert in a can. It’s time to get down and dirty.

  9. Next, recipe #2, a tart full bodied entrée with something for everybody, plus some really good agency law for maiming improper assignments can be found in re: Alderazi:

    Furthermore, even accepting MERS’ position that the lender acknowledges MERS’ authority to exercise any or all of the lender’s rights under the mortgage, the mortgage does not convey the specific right to assign the mortgage. The only specific right enumerated in the mortgage is the right to foreclose and sell the property. The general language “to take any action required of the Lender including, but not limited to, releasing and canceling this Security Instrument” is not sufficient to give the nominee authority to alienate or assign a mortgage without getting the mortgagee’s explicit authority for the particular assignment. Alienating a mortgage absent specific authorization is not an administrative act.

    Plaintiff submitted no other documents which purport to authorize MERS to assign or otherwise convey the right of the mortgagee to assign the mortgage to another party.

    http://www.scribd.com/doc/52865705/Bony-v-Alderazi-w

  10. @carie, whenever you get around tuit, you might consider removing tnharry’s finger from your eye and getting back to work studying some smart case law, dropping for now the no mortgage in the mortgage pie recipe you’ve been stirring for a while now. That cake isn’t quite baked yet. Still simmering.

    Time is of the essence. Some of my all-time favorite legal dishes. First the salad, in re: Silverberg:

    In sum, because MERS was never the lawful holder or assignee of the notes described and identified in the consolidation agreement, the corrected assignment of mortgage is a nullity, and MERS was without authority to assign the power to foreclose to the plaintiff. Consequently, the plaintiff failed to show that it had standing to foreclose.

    http://www.scribd.com/doc/60636111/Bank-of-New-York-v-Silverberg-1

  11. the 1099 thing changed a few years ago, fyi

  12. @TU: The people who need to be given 1099a’s are the rat-b’s who are stealing homes. Has the IRS made up its mind if it’s gonna use these as debt-relief (gag) against former homeowners, aka victims of theft? Last I heard, the IRS was still “on the fence” about socking it to investors whose investments turned out to be taxable. They damn well better not get a pass if the homeowner doesn’t.
    WE should start issuing our own 1099a’s to the people we know took our homes with no right to do so, especially since no one wants to file the appropriate criminal charges. oh, yeah. MERS alone would get thousands and thousands and thousands of them.

  13. I forgot to tell you, you’ll get two 1099A’s in the mail, one from the supposed lender who claims to be the creditor and the one who loaned the money to allow them to steal (they say foreclose) on the property (a 1099 A stands for abandoned property), the other is from Fannie Mae claiming to be the creditor who lent the money to allow them to steal the home. Both forms will tell you, you have to file it with your taxes to indicate that you abandoned your property so they can get the money back from the gov’t I guess? They have been paid so many times for that property it’s ridiculous. The internet trolls about homes that were sold for $500,000 and after an audit it’s shown that $91 million dollars was made in all the transactions and repacking and reselling transactions, and I doubt it counts the insurance costs and the bailout values received, and they charge the living interest, yet they borrow with little or no interest. Then there’s the penalties from whoever is posting this mess on the credit reports they control to cause more financial hardship.

    There’s a name for what’s happening. It’s called Economic Terrorism, but you won’t see the Patriot Act used to thwart that form of terrorism…no sir eee.

    Trespass Unwanted, corporeal, State, life, free, jure divino.

  14. @ Leah Dean, they will foreclose because all they have to do is post a notice on what day they will do it and stand outside the courthouse and go through the motions. The county clerk will record the sale and then…then they will transfer the Title to Fannie Mae, then…then they will sue in court, a sheriff will deliver the lawsuit. In it they will say Fannie Mae bought the property at action and you are squatting on it and they need you to get off and if you want to stay you have to settle the costs they incurred for foreclosing on you and they may offer to you that you can pay rent until you can move out. You have 7 days to draw up a dispute, and if you plan to do that, then you’d notice the court of your intentions to do so. Otherwise in 7 days they’ll ask for a writ of possession, and a judge will sign one to all sheriffs in the state that on a particular day and time they are to go to the home and they have permission to put their hands on you and anyone there to remove you and put their hands on your possessions to get you out of the home. A huge green sticker will be plastered to the front door for anyone traveling through to see an action is being taken against the home.
    Then if you move out to keep someone from putting their hands on you (yeah that someone is a gun toting Texan), then a realtor will be there and post a notice that the locks will be changed. If you try to move back in…well I don’t know the implications of that since you were out when the sheriff arrived. The realtor will replace the locks and call the property abandoned and then put a pending sign out to indicate they plan on listing the property. They will show it to people. The title company will wash the title by giving the new owners some sort of check to pretend they had purchased a warranty on the home at the time they sale the home.

    It’s a very detailed and convoluted process. And yes, the author of all of the pieces to this is not around. The Realtor has a database they fill out info for Fannie Mae to indicate they are attempting to sale the home. There are just enough people such that each one knows only enough about their part.

    It’s like modeled after the Mafia tier system. That’s why RICO is so important. These people will tell you they’ll take your home no matter how much proof you have that they can’t have it…but outside the court house is no law enforcement and the clerk only records the sale and doesn’t get involved with whether anyone has a right to stand there and call a sale, and the court holds the notice of sale or acceleration of sale documents but do not get involved in whether some one had a right to post a notice to steal your property.

    Ultimately the checks and balances we had in place, leads to the legal system that over-rides every law on the book and every criminal act that is done and validates it. You’ll spend so much money trying not to be robbed that you’ll be robbed of the money you spent fighting the robbery.

    The judge has immunity for their actions as long as they ‘think’ they are doing the right thing. The attorneys have immunity from all they did as long as they think their client has given them valid information to pursue the sale and go to court, and the client is a fiction that doesn’t eat, drink, speak, sleep, or think, and so it’s not in trouble, but it has employees who were only doing their job and when a computer spit out a report that told them to initiate a foreclosure they started the process, hired the firm (someone entered names of firms), decided the fees (someone determined how much they would pay for the services) and cut checks for the word done (someone approves the release of purchase orders and checks to pay for attorney services); yet no one knows anything and all affidavits to steal your home are “to the best of my knowledge…blah, blah blah.”

    Trespass Unwanted, corporeal, life, State, free, in jure proprio (in one’s own right), jure divino (by divine right)

  15. @carie, without sticking yet another finger in your eye, as tnharry has done that quite enough, I’d suggest you get back to studying some smart case law, dropping for now the no mortgage in the mortgage pie recipe. That cake isn’t quite baked yet.

    Time is of the essence. Some of my all-time favorite hits….In re: Silverberg:

    In sum, because MERS was never the lawful holder or assignee of the notes described and identified in the consolidation agreement, the corrected assignment of mortgage is a nullity, and MERS was without authority to assign the power to foreclose to the plaintiff. Consequently, the plaintiff failed to show that it had standing to foreclose.

    http://www.scribd.com/doc/60636111/Bank-of-New-York-v-Silverberg-1

    Next, some really good agency law for maiming improper assignments can be found in re: Alderazi:

    Furthermore, even accepting MERS’ position that the lender acknowledges MERS’ authority to exercise any or all of the lender’s rights under the mortgage, the mortgage does not convey the specific right to assign the mortgage. The only specific right enumerated in the mortgage is the right to foreclose and sell the property. The general language “to take any action required of the Lender including, but not limited to, releasing and canceling this Security Instrument” is not sufficient to give the nominee authority to alienate or assign a mortgage without getting the mortgagee’s explicit authority for the particular assignment. Alienating a mortgage absent specific authorization is not an administrative act.

    Plaintiff submitted no other documents which purport to authorize MERS to assign or otherwise convey the right of the mortgagee to assign the mortgage to another party.

    http://www.scribd.com/doc/52865705/Bony-v-Alderazi-w

    And in re: Agard:

    Premised on the foregoing documentation, MERS argues that it had full authority to validly execute the Assignment of Mortgage to U.S. Bank on February 1, 2008, and that as of the date the foreclosure proceeding was commenced U.S. Bank held both the Note and the Mortgage. However, without more, this Court finds that MERS’s “nominee” status and the rights bestowed upon MERS within the Mortgage itself, are insufficient to empower MERS to effectuate a valid assignment of mortgage.

    http://www.scribd.com/doc/48827432/In-Re-Agard-48750818-US-Bankruptcy-Court-New-York-Memorandum-Decision

    Take advantage of every mediation type deal that comes your way. Holding these jerks off is vital until sanity returns to the judicial system. Go in person and speak with a deputy AG. Explain, sans the no mortgages theory, how they’ve lied at every corner. Search and find a valid accounting issue, I know there’s one there, and do another QWR with this specific item so that they can’t use the overly broad standard meme. Bring this to your AGs attention, that your pretender isn’t responding to a valid accounting concern. Make sure and cc the OCC just for pomp and circumstance.

    Get proactive. Join an OWS rally near you. Stick used chewing gum under the chairs of all local TBTF branches. Return all credit card offers with roofing shingles in the supplied envelopes. It’s time to get down and dirty.

  16. You guys crack me up!

  17. i love you too tolle

  18. @ tnharry, I’m feeling compassionate today. I’ll give you my honest opinion. I think you’re a prick.

  19. Best expressed truth read. Can someone help me, on mine, santa ana Ca, suttons77@hotmail.com, 562 441 6589.. angela sutton pro per 4 two years, need to challenge the lie.. can some Angel ….

  20. Okay, okay—I finally get it—you’re only all about honest legal opinion…sorry…my bad…thanks for your help.

  21. @carie – i think you mistake compassion for pragmatism. would you rather someone tell you what you want to hear and make you feel good, or give you their honest legal opinion??

  22. tn—you know they shouldn’t be able to—you know everything about what really happened—you’re a smart guy—just maybe not a compassionate guy—you just think it’s perfectly okay that all this bullshit goes on and people are kicked out of their houses with fraud at the start AND at the end…yes–it’s unsecured debt—it’s whatever “debt”—no real mortgage attached—they refuse to show me a real “funded” mortgage—’cause they know they don’t have to—they know they can get away with it–but criminals run the financial system and the courts because they can…they have been getting away with it because they can…

  23. don’t worry carie – it’s unsecured collection rights, not a loan. they can’t foreclose

  24. Carie,

    A link for info. Hope it helps.

    http://timothymccandless.wordpress.com/

  25. http://www.huffingtonpost.com/2011/11/02/increase-in-extreme-poverty_n_1072505.html

    Thank you Wall Street and the 1%…no one cares…the people with the power to help don’t give a damn…

  26. What can someone in So Cal do to fight back if and when foreclosure mill attacks???
    Lis Pendens??? BK??? So much carnage out here…

  27. Bank of America along with Recontrust and Bank of New York Mellon are foreclosing on my property. Bank of America states they do not have to produce the promissory note until the loan is paid in full. According to the Pooling and Service Agreement where I found my mortgage, it states that the Trustee must be able to produce the note and assignments. I purchased my home in January 2007, the home was pooled on February 9, 2007 and January of 2008 a Form 15(d) was filed with the SEC. I am now trying to find someone to make Bank of America and Bank of New York abide by the Qualified Written Request and produce the note. I can tell you now that as of October 12, 2011 Harris County Clerk’s office and Texas Land and County records show that the Deed of Trust has America’s Wholesale Lender as the Grantor along with CTC Real Estate and MER’s. The note that Bank of America has sent me 5 times already is the note I signed at closing that states I owe America’s Wholesale lender. My PSA is under CWABS with Bank of New York Mellon as Trustee 2007-2 and my loan is in that pool of loans bigger than day. I want my promissory note. I want to know how much is owed on the property and I want to know who owns the property.

    I have spent hours and hours of research on this and I know Bank of America and Bank of New York Mellon do not own the note to my home. In July of 2011 Bank of New York Mellon showed up as active under my MIN number. As of October 2011, Bank of New York Mellon is no longer Active. I have checked with the title company, and Harris County Clerk’s office and there have been no assignments to my note or Deed of Trust since January 2007.

    We will see if our State Attorney General will let them get away with the foreclosure.
    Leah Dean – Houston TX

  28. The blame isn’t one sided in this criminal situation. There seems to be no recognition of the autbors that wrote the script which became law. This is the only way mortgage fraud has been able to continue for nearly 20 years. The fact the federal government is suing is beyond irony, being complicit in this from day one . The CRA law of 1983 is the foundation, the exspanding of it’s powers in 1993 allowing groups like ACORN to push financial entities into making decisions bad and illegal with the government jumping into bad law with the banks.

  29. Someone on the internet posed this information quite solidly.
    How can any mortgage company claim a loss when the homeowner was paying, the homeowner probably had an investment in the market and could have been an investor in their own property and paying through that channel, and as a tax payer, they paid federal taxes that went to the government who paid out insurance claims with that tax money and paid bail outs with that tax money.

    Directly and indirectly the homeowner paid for the home.

    The financial industry began to squeeze the supply of credit and that squeezed businesses on payroll and supplies and that squeezed people out of employment and the fraud foreclosures sitting on credit reports is another way to squeeze higher payments out of us for necessities like a car or another residence.

    They own the credit reports and use that to get even more money out of you based on what ‘they’ can put on it. Then they make you accountable for what’s on it and want to extract higher interest rates because of it.

    To get life’s necessity like a home or car costs even more money.
    It has to come down. All men are created equal, but all access to money and credit is not. Something’s got to change.
    It will.

    Winners don’t cheat, and cheaters never win.
    Game Over.
    Trespass Unwanted, corporeal, life, State, free, jure divino

  30. Good luck @Christopher King. Thanks for the vid link.

    I called Game Over. Thou shalt not steal. Now the public (people not persons) need to know what they weren’t told or didn’t understand. This world is legal. All signatures are on contracts. Yeah, a receipt is a contract..most never read them anyway. To click Okay, or I Agree, are expressed trusts (contracts). Anyway, someone has taken time to do the reveal (Revelations), now get ready for the Tower to come down and all that was built upon it to crash with it.
    Change makes people uncomfortable but change is how things can be renewed. We hate losing our home to fire or natural disaster but when we rebuild we get a new home, new furniture, new clothes. We hate losing our forests to forest fires, but with the heat of the fire the pine cones pop open and reseed the forest and new trees and a new forest emerge.
    Those are the darkest of times that bring forth new life and new light.
    Learn what we have that has been ‘ignored’.
    There is an article titled,
    What Are Unalienable Rights?
    by Russell D. Longcore — please search it. My post got held for moderation for posting the link within.
    The OCC settlement is only the beginning of what needs to occur. The Fed needs to go, they have no right to force the living to use debt currency to pay for real goods and services. The IRS needs to go, they have no right to tax the energy of life or State. Legally, the word State is defined as People. Without people, there is no state.
    The article is a must and a plus. It states in so many words that the government was created for the people to be controlled by the people, but to sustain itself it educated the people to be controlled by the government.
    There is evidence everywhere of people’s rights being ignored. Just looking at the news about Congress voting on the motto, “In God We Trust” appears to be a waste of time, but it’s a turning point. If a lobbyist is not a God, then it can’t tell Congress what to do for the benefit of the people (not persons). If a banker is not God, then they can’t control Congress with their debt based currency any more, either having it or removing it. And some do not call or consider a God…that’s okay…the bottom line of it all is, if they aren’t the reason you are here and living then they have no control over you and how you live as long as you aren’t negatively affecting how I live or my offspring lives, or any other life lives. Drop the prejudices on color and nationality and sexual orientation. These people live they way they are comfortable or born and are among people who they aren’t affecting in a negative way by living their life. They are most abiding by Natural Law.
    These men/women who hide behind these corporate strawmen and act like a corporation decided to foreclose have put a lie out there. A building cannot sign a contract, nor can it sue for payment or a right it does not have. Someone living and breathing started this process and someone is creating these contracts with lawyers and sending them into courts. WHO is the wizard behind the curtain that signed any contract or wrote a check to any attorney to stand in a court room and say they represent a building that says we owe it money and it wants us to pay up.
    See if you can look past the veil of deception. See flesh and blood people, whether it’s a customer service reps with a job description that tells them to do it, or an accounting rep with a job desctiption that are telling them to do it, and a computer that is sending e-mail or charts or reports that are part of their job description to read and do them. Someone real and alive are behind the dispossession of us from our ‘Right to property’. Pass this knowledge to those you know. When the house of cards fall and we get our freedoms back, we don’t need the fear mongerers to want us to have more controls on the ‘what if someone wants to hurt us this way!’ kind of fear of life and mankind. By our very nature we are peaceful. Those that wanted to control, created the insecure situations so they could set up the security that removed our freedom of movement and freedom of enjoyment of life.
    I’ve ridden a bike without a helmet. Billions of people do everyday, yet there are controls in place that if it saves one life then billions need to be restricted so that one life can potentially be protected. We can’t do that! We can’t restrict the rest of the life from experiencing life and death in our own way. Life is a part of life, and death is a part of life…death is never final, it’s just another experience…just like life is an experience. Just because we don’t know the details of the death experience doesn’t make it a negative experience, we don’t know the details of the womb experience or the birth experience and they weren’t negative either. We must stop interfering with people’s ‘soul contract’ with their Creator (if they believe they have one). That falls into freedom of religion, re-legion, they have a right to believe in a God or Creator and a right to not believe in a God or Creator and their God or Creator would surely allow them that right to experience life with or without the belief.
    We have a right to contract and a right not to contract.
    The fraud foreclosures were from people who created contracts for which we did not participate nor were a party to. Those contracts are void ab initio. The founding fathers did not want titles of nobility in offices in this country. Look everywhere, there is a government attorney (attorney general), a state attorney (attorney general), a county attorney (and that’s not even a republic form of government)…they are beholden to the British Accredition (sp?) Registry…nothing happens without their direct or indirect involvement. They are the ones who are stealing the homes and they are the ones who are representing people trying to keep their homes. The judge is one of them, and decides who wins or who loses and they have to let a few winners through or we’d know the odds are stacked against us like a casino. They offer to liquidate us of everything we have so we can keep the roof over our head and the clothes on our back. It is after bankruptcy that people realize it’s a hard 10 years. I had a manager who divorced and filed for bankruptcy. Within two years he lost his job. I know there is a connection even if I can’t prove what I know deep inside. I know many people that 10 years after filing for bankruptcy they are never returned to the financial pedestal they were on prior to the bankruptcy. It’s really a starting over process…all for what? To keep a house? To keep something you can’t take with you when you go on your death adventure which leads to a new life adventure? No one has a right to steal your life’s labor, but why liquidate all your assets to prevent a theft? That doesn’t make sense. Who offers to liquidate? The people in the same group and attachment to the British, who are also attempting the property theft. You are either being robbed of your home, or being robbed of everything and keeping your home. It’s your soul contract, but at some point in our soul we’ll have to wake up and decide what it is, we are really about and what is our purpose for being here.
    I was robbed and that’s how I spread the news..I didn’t liquidate to prevent a robbery. Now the robbery is still over someone’s head. The liquidation would have hidden the evidence of the attempted theft because it would have been by my signature (contract) that the thieves got all my property (I didn’t know about) so they’d let me keep one property they had their eyes on.
    The OCC settlement will not help people who’s slate is clean with a bankruptcy. There was no foreclosure for them. There was no fraud foreclosure for them. They moved into a totally different contract that they initiated of their own ‘Free Will’.
    Free Will is a Universal Law, it’s superior to Natural Law.

    Spread the news. Learn what you should know. Keep a printout in your home. Know how to protect these rights. The day will come when it all comes crashing down. Fear mongering about ‘what ifs’ is not going to be accepted by those who want to be free. Those that can’t be free without infringing on the rights of others to be free, well there will always be a place for them.

    Hopefully the new horizon we step into is more about ‘Trust’ and ‘self governance’ than control and fear.
    I only posted to spread news, not to point fingers at what anyone has done, but if you are considering doing something, know what it is you do and be okay with what you’ve done if it is ‘your will’. Thy will be done!
    We will find a way back to living in the higher life style of humanity; exercising our right to life and be free from trespass just because someone else chooses (of their free will) to be afraid of what if’s.
    I don’t want my movement restricted on the what if someone else has in their head. There are a 7 billion people on this planet and everyday none of them have to deal with the ‘what if’ created by someone in their head…so why would we want to be restricted in our freedom.
    When we get our rights and freedoms released (we never lost them but they sure are being restricted and controlled), there are going to be many who don’t want us to have access to them again. They are the ones the government is trying to implement the ability to arrest and detain because they know what’s coming and they plan to try to get what was, put back into place.
    They were in control when we were being controlled, and they don’t want to give that up. They will make is look like we don’t know how to be free. It will be them, not us, causing the chaos and trying to take back the power they held ‘unconscionably’ over all of mankind.

    Stay in the light and love, but don’t think the actions of a few is the thought of the whole.

    See past the veil of deception.

    We are getting the return of what’s ours….it’s in the destruction of things old that new and better things are able to be built.

    This last war is a war for the soul. Listen with your heart and you’ll hear it. Listen with you mind and it will shut down and abandon you because none of this will make sense to it. You don’t need to be abandoned…move to the heart when the mind can’t handle all the changes. They are coming and are coming rapidly.
    The information that all need to know — again—pass it on
    What Are Unalienable Rights?
    by Russell D. Longcore — please search the net for it.

    Light and Love,
    Trespass Unwanted, life, corporeal, free, jure divino (by divine right)

  31. I called Game Over. Thou shalt not steal. Now the public (people not persons) need to know what they weren’t told or didn’t understand. This world is legal. All signatures are on contracts. Yeah, a receipt is a contract..most never read them anyway. To click Okay, or I Agree, are expressed trusts (contracts). Anyway, someone has taken time to do the reveal (Revelations), now get ready for the Tower to come down and all that was built upon it to crash with it.
    Change makes people uncomfortable but change is how things can be renewed. We hate losing our home to fire or natural disaster but when we rebuild we get a new home, new furniture, new clothes. We hate losing our forests to forest fires, but with the heat of the fire the pine cones pop open and reseed the forest and new trees and a new forest emerge.
    Those are the darkest of times that bring forth new life and new light.
    Learn what we have that has been ‘ignored’.
    http://www.ncc-1776.org/tle2011/tle642-20111030-07.html
    The OCC settlement is only the beginning of what needs to occur. The Fed needs to go, they have no right to force the living to use debt currency to pay for real goods and services. The IRS needs to go, they have no right to tax the energy of life or State. Legally, the word State is defined as People. Without people, there is no state.
    The article is a must and a plus. It states in so many words that the government was created for the people to be controlled by the people, but to sustain itself it educated the people to be controlled by the government.
    There is evidence everywhere of people’s rights being ignored. Just looking at the news about Congress voting on the motto, “In God We Trust” appears to be a waste of time, but it’s a turning point. If a lobbyist is not a God, then it can’t tell Congress what to do for the benefit of the people (not persons). If a banker is not God, then they can’t control Congress with their debt based currency any more, either having it or removing it. And some do not call or consider a God…that’s okay…the bottom line of it all is, if they aren’t the reason you are here and living then they have no control over you and how you live as long as you aren’t negatively affecting how I live or my offspring lives, or any other life lives. Drop the prejudices on color and nationality and sexual orientation. These people live they way they are comfortable or born and are among people who they aren’t affecting in a negative way by living their life. They are most abiding by Natural Law.
    These men/women who hide behind these corporate strawmen and act like a corporation decided to foreclose have put a lie out there. A building cannot sign a contract, nor can it sue for payment or a right it does not have. Someone living and breathing started this process and someone is creating these contracts with lawyers and sending them into courts. WHO is the wizard behind the curtain that signed any contract or wrote a check to any attorney to stand in a court room and say they represent a building that says we owe it money and it wants us to pay up.
    See if you can look past the veil of deception. See flesh and blood people, whether it’s a customer service reps with a job description that tells them to do it, or an accounting rep with a job desctiption that are telling them to do it, and a computer that is sending e-mail or charts or reports that are part of their job description to read and do them. Someone real and alive are behind the dispossession of us from our ‘Right to property’. Pass this knowledge to those you know. When the house of cards fall and we get our freedoms back, we don’t need the fear mongerers to want us to have more controls on the ‘what if someone wants to hurt us this way!’ kind of fear of life and mankind. By our very nature we are peaceful. Those that wanted to control, created the insecure situations so they could set up the security that removed our freedom of movement and freedom of enjoyment of life.
    I’ve ridden a bike without a helmet. Billions of people do everyday, yet there are controls in place that if it saves one life then billions need to be restricted so that one life can potentially be protected. We can’t do that! We can’t restrict the rest of the life from experiencing life and death in our own way. Life is a part of life, and death is a part of life…death is never final, it’s just another experience…just like life is an experience. Just because we don’t know the details of the death experience doesn’t make it a negative experience, we don’t know the details of the womb experience or the birth experience and they weren’t negative either. We must stop interfering with people’s ‘soul contract’ with their Creator (if they believe they have one). That falls into freedom of religion, re-legion, they have a right to believe in a God or Creator and a right to not believe in a God or Creator and their God or Creator would surely allow them that right to experience life with or without the belief.
    We have a right to contract and a right not to contract.
    The fraud foreclosures were from people who created contracts for which we did not participate nor were a party to. Those contracts are void ab initio. The founding fathers did not want titles of nobility in offices in this country. Look everywhere, there is a government attorney (attorney general), a state attorney (attorney general), a county attorney (and that’s not even a republic form of government)…they are beholden to the British Accredition (sp?) Registry…nothing happens without their direct or indirect involvement. They are the ones who are stealing the homes and they are the ones who are representing people trying to keep their homes. The judge is one of them, and decides who wins or who loses and they have to let a few winners through or we’d know the odds are stacked against us like a casino. They offer to liquidate us of everything we have so we can keep the roof over our head and the clothes on our back. It is after bankruptcy that people realize it’s a hard 10 years. I had a manager who divorced and filed for bankruptcy. Within two years he lost his job. I know there is a connection even if I can’t prove what I know deep inside. I know many people that 10 years after filing for bankruptcy they are never returned to the financial pedestal they were on prior to the bankruptcy. It’s really a starting over process…all for what? To keep a house? To keep something you can’t take with you when you go on your death adventure which leads to a new life adventure? No one has a right to steal your life’s labor, but why liquidate all your assets to prevent a theft? That doesn’t make sense. Who offers to liquidate? The people in the same group and attachment to the British, who are also attempting the property theft. You are either being robbed of your home, or being robbed of everything and keeping your home. It’s your soul contract, but at some point in our soul we’ll have to wake up and decide what it is, we are really about and what is our purpose for being here.
    I was robbed and that’s how I spread the news..I didn’t liquidate to prevent a robbery. Now the robbery is still over someone’s head. The liquidation would have hidden the evidence of the attempted theft because it would have been by my signature (contract) that the thieves got all my property (I didn’t know about) so they’d let me keep one property they had their eyes on.
    The OCC settlement will not help people who’s slate is clean with a bankruptcy. There was no foreclosure for them. There was no fraud foreclosure for them. They moved into a totally different contract that they initiated of their own ‘Free Will’.
    Free Will is a Universal Law, it’s superior to Natural Law.

    Spread the news. Learn what you should know. Keep a printout in your home. Know how to protect these rights. The day will come when it all comes crashing down. Fear mongering about ‘what ifs’ is not going to be accepted by those who want to be free. Those that can’t be free without infringing on the rights of others to be free, well there will always be a place for them.

    Hopefully the new horizon we step into is more about ‘Trust’ and ‘self governance’ than control and fear.
    I only posted to spread news, not to point fingers at what anyone has done, but if you are considering doing something, know what it is you do and be okay with what you’ve done if it is ‘your will’. Thy will be done!
    We will find a way back to living in the higher life style of humanity; exercising our right to life and be free from trespass just because someone else chooses (of their free will) to be afraid of what if’s.
    I don’t want my movement restricted on the what if someone else has in their head. There are a 7 billion people on this planet and everyday none of them have to deal with the ‘what if’ created by someone in their head…so why would we want to be restricted in our freedom.
    When we get our rights and freedoms released (we never lost them but they sure are being restricted and controlled), there are going to be many who don’t want us to have access to them again. They are the ones the government is trying to implement the ability to arrest and detain because they know what’s coming and they plan to try to get what was, put back into place.
    They were in control when we were being controlled, and they don’t want to give that up. They will make is look like we don’t know how to be free. It will be them, not us, causing the chaos and trying to take back the power they held ‘unconscionably’ over all of mankind.

    Stay in the light and love, but don’t think the actions of a few is the thought of the whole.

    See past the veil of deception.

    We are getting the return of what’s ours….it’s in the destruction of things old that new and better things are able to be built.

    This last war is a war for the soul. Listen with your heart and you’ll hear it. Listen with you mind and it will shut down and abandon you because none of this will make sense to it. You don’t need to be abandoned…move to the heart when the mind can’t handle all the changes.
    The link again—pass it on
    http://www.ncc-1776.org/tle2011/tle642-20111030-07.html
    They are coming and are coming rapidly.
    Light and Love,
    Trespass Unwanted, life, corporeal, free, jure divino (by divine right)

  32. Top of the Morning, Neil…. I’m off to see the Wizard! The Wonderful Wizard of Oz….. Stay tuned for the update later today on this one given that this time I have a COURT ORDER for Harmon Law Offices to produce the Original Documents.

    THURSDAY, NOVEMBER 3, 2011

    KingCast and Mortgage Movies look forward to seeing some original mortgage documents today from Harmon Law Offices and Nationstar Mortgage in Marie Miller foreclosure.

    http://mortgagemovies.blogspot.com/2011/11/kingcast-and-mortgage-movies-look.html

    http://www.youtube.com/watch?v=ZFrBqnHRH9c

    This ought to be a real s***show today when I ask the attorneys where the f*** the original documents are that that Court ORDERED them to produce TWO YEARS AGO.

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