Cancellation of Void Instrument

Consider this an add-on to the workbook entitled Whose Lien is It Anyway also known as Volume II Workbook from Garfield Continuum Seminars.

Several Attorneys, especially from California are experimenting with a cause of action in which an instrument is cancelled — because it throws the burden of proof onto the any party claiming the validity or authenticity of the instrument.

I have been researching and analyzing this, and I think they are onto something but I would caution that your pleadings must adopt the deny and discover strategy and that you must be prepared to appeal. There is also a resurgence of tacit procuration doctrines, in which the receiver of communication has a definite duty to respond.

Here is Part I of the analysis: There will be at least one more installment:

Cancellation of Void Instrument

In most cases loans that are later subject to claims of securitization (assignment) are equally subject to cancellation. There are potential defenses to the motion or pleading demanding cancellation of the instrument; but if framed properly, the motion or pleading could be utilized as an advanced discovery tool leading to a final order. This is particularly true if a RESPA 6 (Qualified Written Request) precedes the motion or pleading.

Cancellation of a void instrument is most often directed at a Mortgage or Deed of Trust that is recorded. The elements of cancellation of an instrument include that the document is void (not just the recording). That means that what you are saying is that there is nobody in existence with any legal right, justification or excuse to attempt to use or enforce the document.

I believe that it requires the pleader to allege that the parties on the instrument are unknown to the Pleader in that there never was a financial transaction between the pleader and the the other parties mentioned and accordingly the recording of the document is at best a mistake and at worst, fraud. The element of fraud usually is involved whether you plead it or not.  However the same principles and elements might well apply to the following:

Substitution of Trustee
Notice of Default
Notice of Sale
Deed recorded as a result of foreclosure auction
Judgment for Eviction or Unlawful Detainer
Mortgage Bond
Unrecorded instruments like promissory notes, pooling and servicing agreements, and mortgage bonds, credit default swaps etc.

Another word of caution: an existing document carries a certain amount of the appearance of authenticity and validity. That appearance may rise to an informal presumption by a Judge who believes he understands the “facts” of the case. The informal presumption might be elevated by state or federal statute that may describe the presumption as rebutable, or presumed to be rebuttable. In some cases, the rebutable presumption could be elevated to an irrebutable presumption, which might mean that nobody is permitted to challenge the validity or authenticity of the document. But even irrefutable presumptions are subject to challenge if they are procured by deceit or fraud in the inducement, or fraud in the execution.

The scenario assumed here is that no loan receivable was legally created because there was no financial transaction between the homeowner and whoever is on the note, mortgage or whatever document you are seeking to cancel. Where appropriate, the pleader can allege that they deny ever having signed the instrument to that it was signed with expectation that the parties designated as lender, beneficiary or payee never completed the transaction by funding.

It is probably fair to say that presumptions are only successfully challenged if the allegations involve fraud or at least breach of presumed facts or promises. A note is evidence of an obligation and is presumed to validly recite the terms of repayment of a legitimate debt. But it also possible that the note might be evidence of the amount of the obligation, but not its terms of repayment if the facts and circumstances show that the offer was unclear or the acceptance was unclear. In the case of so-called securitized loans, accepting the allegations made by foreclosers, the offer of the loan contained terms that were never communicated to the borrower. This is because an instrument containing the terms of repayment was at material variance with the terms recited in the note. The instrument received by the lender was a mortgage bond. And most importantly the lender and the borrower were never in direct communication with one another.

The interesting effect of the substitution of the mortgage bond for a loan receivable is that the mortgage bond is NOT signed by the homeowner and is no payments of principal and interest are due to the investor except from the REMIC issuing entity that never received any enforceable documents from the homeowner.

Nor were the terms for repayment ever disclosed to the homeowner. And the compensation of the intermediaries was not disclosed as required under TILA. This constellation of factors throws doubt, at the very least, as to whether the closing was ever completed even without the the funding. The fact that the funding never took place from the designated payee or “lender” more or less seals the deal.

You must have at the ready your clear argument that if the “trust” was the lender or any of its investors then the note should have said so and there would be no argument about funding, or whether the note or mortgage were valid instruments. But Wall Street had other plans for “ownership” of the loan and substituted a series a naked nominees or straw-men for their own financial benefit and contrary to the terms expressed to the investor (pension fund) and the homeowner (borrower).

Wire Transfer instructions to the closing agents tell another story. They do not show any indication that the transfer to the closing agent was for the benefit of the designated lender, whose name was simply borrowed by Wall Street banks in order to trade the “loans” as if they were real and as if the banks owned the bonds instead of the trusts or the investors. This could only have been accomplished by NOT having the investors money travel through the REMIC trust. Hence the moment of origination of the obligation took place when the homeowner received the money from the investors through accounts that were maintained by the banks not for the REMICS but for the investors. This means that investors who believe their rights emanate from the origination documents of the trust are mistaken because of the false statements by the banks when they sold the bogus mortgage bonds.

If that is the case, their is no perfected lien, because the only mortgage or deed of trust recorded shows that it is to protect the payee “lender” (actually a naked nominee) in the vent the borrower fails to make payments and otherwise comply with the terms of the note and mortgage. But the note and mortgage relate to an unfunded transaction in which at not time was any party in the alleged securitization chain the source of funds for origination, and at not time was there ever “value received” for any assignments, bogus or otherwise, robo-signed or otherwise.

It also means that the investors must be disclosed and that for the first time the homeowners and pension funds who actually were involved in the transaction, can compare notes and decide on the balance of the obligation, if any, and what to do about it. Allowing the banks to foreclose as servicer, trustee of an asset-backed trust, or in any other capacity is unsupported by the evidence. The homeowner, as in any mortgage foreclosure, is entitled to examine the loan receivable account from the item of origination through the present. If there is agreement, then the possibility of a HAMP or other modification or settlement is possible.

Allowing the servicers to intermediate between the investors and the homeowners is letting the fox into the hen-house. If any deal is struck, then all the money they received for credit de fault swaps and insurance might be due back to the payors, since the mortgages declared in default are actually still performing loans AND at present are not secured by any perfected lien.

Cancellation of the note does not cancel the obligation. In most cases it converts the obligation from one that provided for periodic payments to a demand loan. Success of the borrower could be dangerous and lead the borrower to adopt portions of the note as evidence of the terms of repayment while challenging other parts of the recitals of the note. Cancellation of the note would also eviscerate the promise of collateral which is a separate agreement that offers the home as collateral to secure the faithful performance  of the terms of the note. Hence the mortgage or deed of trust would be collaterally canceled merely by canceling the note.

If the note is cancelled, the action can move on to cancel the mortgage instrument. In the context of securitized loans it seems unlikely that there could be any success without attacking both the mortgage, as security, and the note, as evidence of an obligation. In its simplest form, the attack would have the highest chance of success by successfully attacking the obligation. If a lender obtains a note from a borrower and then fails to fund the loan, no obligation arises. It follows logically that the recitals of the note would then be meaningless as would the recitals in the mortgage. Having achieved the goal of proving the instrument as invalid or meaningless, the presence of the instrument in the county recorder’s office would naturally cause damage to other stakeholders and should be cancelled.

If the mortgage is in fact cancelled, then the next logical step might be a quiet title action that would have the court declare the rights and obligations of the stakeholders, thus eliminating any further claims based upon off-record transactions or the absence of actions presumed to be completed as stated in the instrument itself.

It must be emphasized that this is not a collateral attack or a flank attack on the obligation based upon theories of securitization, the pooling and servicing agreement or the prospectus. cancellation of an instrument can only be successful if the party who would seek to use the instrument under attack cannot substantiate that the instrument is supported by the facts.

The facts examined usually include the issues of offer, acceptance and consideration at the time of origination of the instrument under attack. A later breach will most likely not be accepted as reasons for cancellation unless the later event is payment of a debt. Failure to return the cancelled note would be a proper subject of cancellation if the allegation was made that the the obligation was completely satisfied. The presence of the original note after such payment and refusal or inability to return the note as cancelled is reason enough for the court to enter an order canceling the note. Any attempt to sell the note or assign it would be ineffective as against the maker of the note and could subject the assignor to both civil and criminal penalties.

Both payment and origination issues arise in connection with the creation of loan documents. The originator (and any successors) must be able to establish offer, acceptance and consideration. The signature element missing from most of the document chains subjecting all deeds of trusts, notes, mortgages and assignments to cancellation is the lack of consideration.

In a money transaction, consideration means money. If money was not tendered by the originator of the documents despite the requirements to do so as set forth in the documents, the putative borrower or debtor who executed the documents is entitled to cancellation.
In the case of securitized loans, the appearance of propriety is created by reams of documents that cover up the origination documents, giving the appearance that numerous parties agreed that the proper elements were present at the time of the origination of the loan. This has successfully been used by banks to create the informal presumption that the essential elements were present at origination — offer, acceptance and consideration.

The originator (or its successors) can easily avoid cancellation by simply establishing the identity of itself as the lender, the signature of the borrower, and the proof of a cashed check, wire transfer or ACH confirmation showing the payment by the originator to the borrower. In loans subject to claims of securitization and multiple assignments, they cannot do this because the original transaction was never completed.

The issue in securitized loans is that while wire transfer instructions exist and might even mention the borrower by name and could even make reference to the originator, the instructions always include directions on where to send the surplus funds, if any exist. Those funds are clearly not to be given or sent to the originator but rather back to the undisclosed lender, which makes the transaction a table funded loan defined as illegal predatory practices under the Federal Truth in Lending Act.

If the documents named the actual lender, then the offer, acceptance and consideration could be shown as being present. Originators may not “borrow” consideration from a deal between the borrower and another party and use it to establish the consideration for the closing loan documents with the originator. That would create two obligations — the one evidenced by the note and the other evidenced by the mortgage bond, that asserts ownership of the obligation.

Borrowers and creditors are restricted by one simple fact. For every dollar of principal borrowed there must be a dollar paid on that obligation. Putting aside the issue of interest on the loan, the creditor is entitled only to one dollar for each dollar loaned, and the borrower is only required to make a payment on an obligation that is due. The obligation becomes due the moment the borrower accepts the money or the benefits of the money, regardless of whether any documents are drafted or executed. The converse is also true — the creation, and even execution of documents does not create the obligation. It is only the actual money transaction that creates the obligation.

Stripping away all other issues and documentation at the time of origination of the loan, it can fairly assumed that in most of the subject cases of “securitization” that the originator was either not a depository institution or was not acting under its charter as a depository or lending institution. If it was not a lending institution, then it loaned money to the borrower out of its borrowed or retained capital — with the source of funds coming from their own bank account. Based upon a review of hundreds of wire transfer instructions, none of the non-lending institutions was the source of funds, yet their name was used specifically recited in the note as “lender.” The accompanying disclosure documents and settlement statement describes the “lender” as being the named originator. Hence, without funds, no consideration was present. If there was an absence of consideration for the documents that were putatively executed, then the documents are worthless.

The originator in the above scenario lacked two capacities: (1) it could not enforce the note or mortgage because it lacked a loan receivable account that would suffer financial damage and (2) it could not legally execute a satisfaction, cancellation or release of the obligation or the putative lien.  Such an originator at the moment of closing is therefore missing the necessary elements to survive a request to cancel the instrument at that time or any other time. No assignments, allonges, indorsements, or even delivery of the loan documents can improve the survival of the loan documents originated, even if some assignee up the chain paid for it.

Yet at the same time that there was no consideration from the originator, there was a loan received by the borrower. If it didn’t come from the originator, and the money actually arrived, the question is properly asked to identify the source of funds and whether that party had the capacity to enforce collection of the loan and could execute a release or satisfaction or cancellation of the note and mortgage. Here is where the hairs split. The source of funds is owed the money regardless of whether there was a note or mortgage or settlement documents or disclosures — simply because they do have a loan receivable that would be damaged by non-payment. But that loan receivable is not supported by any documentation that one would ordinarily find in a mortgage loan.

The creation of documents reciting a false transaction, “borrowing” the fact that the homeowner did receive funds from another source, does NOT create a second obligation. Hence the note, mortgage (Deed of trust) and obligation presumed in favor of the named originator must be cancelled.

Since the sources of funds are neither the owner of the loan, the payee on the note, the lender identified on the note, mortgage and settlement documents, they lack the power to enforce any of those documents and secondly, lack the power to cancel, release or satisfy a note or mortgage on which they are not the payee or secured party. Hence the fact that the borrower received funds gives rise to a demand obligation against the borrower to repay the loan. All the funding source needs is evidence of the payment from their bank account and the receipt by the borrower.

16 Responses

  1. I applied for a loan with eloan in 2008. They told me I did not makw enough to qualify for the loan. A couple weeks later I get a call for a different guy saying they are giving me the money. I am cinfused but happy. The guy says I do not need to do any paperwork as everything has been handled. Seems strange but okay. Turns out they forger all the docs using my ex husband’s name and old contracts from USBank. Even alter notary statements and forge those. Thing is my wx already signed a quitclaim and had no right to convey. They filed a trust deed along with documents with the signature of their funding manager Timothy Cauldwell signing that he personally validated that was my signature on the forged documents. They gave me money clearly knowing i could not repsy it so they could steal my house. They and Citibank and Chase and Ditech have put me through hell trying to force me to refinance the fraudulebt loan. I just discovered all this after nine years of them destroying my credit while i did everything i could to keep my house. Any help would be appreciated.

  2. NG – I’ve thought that myself but couldn’t get it out or around to it.. Mine was along the lines that at the moment the borrower signs a note with xyz as payee, someone else owns that note or at least the right to payment. The right to payment has been sold forward, so the payee has abandoned /alienated, something, the right to receive payment on the note. Been awhile, but i think that’s how I would have tried to say what I think you’re saying and I think as far as I could get.
    I don’t understand some of what you said and that’s an understatement,, but I’d like to give you a special nod if i may because I can imagine how long it took to formulate and write this post. .

  3. This problem is not one just for bankruptcy but also has been extended to trust deeds associated with living trusts in estate planning, efforts to “officially” steal or embezzle land under a theory of assignment by the Executor/Trustee or Successor Trustee alter ego.

  4. @grey wolf, yes we learn the hard way, including about rules 59 and 60, both mol mtns for reconsideration. It’s my layperson understanding that a rule 59 mtn operates to suspend the judgment.
    We all need good lawyers and doesn’t everyone want a book on the rules of procedure annotated for our reading relaxation?
    Have you, btw, gotten the cd of the hearing you missed? It only costs about 25.00 and you can hear it with For The Record, which is free. Ask the court clerk or try the court’s website. Since you’re in bk, no checks, and no cash is taken by the clerk. Need a money order.

  5. On 0904, I said that wrong re the Alliance Mtg case. When there is a foreclosure and the alleged ben is the successful credit (or cash) bidder, the dot, the lesser interest, merges with the greater interest, the fee, in the trustee’s deed and the dot is extinguished.

  6. David O. Carter presided over my 2010 federal case and we all agreed that a motion to dismiss would be heard on one date. With no notice, they held the motion hearing on a different date and then dismissed my complaint with leave to amend it claiming I didn’t oppose Plaintiff’s Motion to Dismiss even though I filed a timely opposition motion. Back then I was unfamiliar with the federal appeals process so I let it slide.

    I’m still in my house and fighting right now in bankruptcy court. Judge Catherine Bauer, former Corporate Attorney for Bank of America for 15-years and a member of the Task Force that in 1998 concluded that mortgage fraud was caused by folks filing serial bankruptcies to abuse the automatic stay — ruled in favor of Bank of America back in July despite the facts. I just filed my Appeal to the Ninth Circuit (BAP).

    I wish I had listened and hired my own court reporter. You don’t think you can afford to, but you have a better chance of getting to the truth if you do.

  7. Thursday 6 September 2012

    johngault:

    > The other thing is that today I found the words “money” or
    > “money’s worth” as consideration for a contract. The “money’s
    > worth” may bear scrutiny.

    One could always ask for their definition of “money,” as in
    specifically what is meant by that term.

    “Money,” in a lawful sense, does not exist in this country,
    at least in circulation.

  8. That case I ref’d is just full of goodies, like this:

    “(7) In addition, unless the plaintiff merely seeks to rescind the contract, it must suffer actual monetary loss to recover on a fraud claim.” But doesn’t this butt heads with fraud vitiating a contract? Maybe not, on second thought, since fraud which didn’t.cause a monetary loss may still be cause for rescission if not repudiation (while not leading to damages). The case goes on to expound on fraud claims quite a bit including a poss exception to the damage requirement (fiduciary). So, does this case say that following NG’s theories, one is limited to rescission (or repudiaton?) if one can’t demonstrate damage as a result of the fraud? A lay person caution again: some of the laws relevant thereto may have changed or this case may no longer be reliable for other reasons. It’s from l995. Still very informative, tho, imo and worth a read.

  9. ALLIANCE MORTGAGE CO. v. ROTHWELL, 10 Cal.4th 1226 (1995)
    900 P.2d 601, 44 Cal.Rptr.2d 352
    ALLIANCE MORTGAGE COMPANY, Plaintiff and Appellant, v. LAURIE SAMUEL ROTHWELL et al., Defendants and Respondents.
    Docket No. S043065, SC CA:

    “A security interest cannot exist without an underlying obligation, and therefore a mortgage or deed of trust is generally extinguished by either payment or sale of the property in an amount which satisfies the lien. (Civ. Code, §§ 2909, 2910;[fn3] see Cornelison v. Kornbluth (1975) 15 Cal.3d 590, 606 [125 Cal.Rptr. 557, 542 P.2d 981]; Bernhardt, Cal. Mortgage and Deed of Trust Practice, supra, § 1.10, p. 15; id., § 6.16, p. 292.) In addition, merger of the lien and ownership of the property in one person or entity extinguishes the lien, unless it is necessary for the protection of the buyer’s rights that the lien be sustained. (Ralph C. Sutro Co. v. Paramount Plastering, Inc. (1963) 216 Cal.App.2d 433, 438 [31 Cal.Rptr. 174]; see First American Title Ins. Co. v. U.S. (9th Cir. 1988) 848 F.2d 969, 971, applying California law [“The theory is that the mortgagee’s lesser interest (the lien) has `merged’ into the greater interest (the fee).”].)

    I think the principles are the same today, but that could have been changed by changes to CA law since l995 or who knows what. This case discusses the underlying principles which govern collateral instruments. If anyone is interested, I’ll link it. I am looking for support, and this seems to support, my lay person proposition that title vested in MERS when MERS foreclosed as the beneficiary. Two things, I think: 1) if the lender is the succ bidder at f/c, the dot might not need to be released since the lesser interest (dot) merges into the greater (title) as a matter of law under the merger of interest doctrine.** Can’t speak to the disp of the note beyond speculation. The other thing is that today I found the words “money” or “money’s worth” as consideration for a contract. The “money’s worth” may bear scrutiny.
    Lay opinions, as always. NG, I am not at odds with anything you say. I’m on a mission to prove X and Y, which are also not at odds with anything you say imo and may in fact compliment your tenets.
    ** The “in an amt which satisfies the lien” in the case above is problematic and needs study. imo.

  10. I presume all the loans that name the LENDER as “America’s Wholesale Lender CORPORATION” are prime candidates for this maneuver. That “AWL CORPORATION” was supposedly a New York CORPORATION. Funny thing: it did not exist at the time of the loans being originated.

    The loans were seemingly just SERVICED by COUNTRYWIDE. Actually it was another scam to get borrowers into Countrywide loans when they thought they were avoiding getting a loan from a lender with a tarnished reputation for placing borrowers into loans that were worse than what they would qualify for elsewhere – my own included.

    The loan documents did not in any location show any involvement of Countrywide as the lender.

    Now a NEW YORK corporation does exist as “America’s Wholesale Lender Inc”. It is also unrelated to Countrywide.

    LPS and various servicer minions generate the fraudulent documents that attempt to foreclose on these loans on behalf of BofA or BoNY-Mellon (supposedly).

    Countrywide did have d/b/a filings and it had a trademark for “America’s Wholesale Lender” but both the D/B/A and the trademark (or service mark) actually require the usage of the “COUNTRYWIDE” moniker in the cited name. The loan documents are completely missing any such reference to COUNTRYWIDE. (Occasionally a loan does show up with the D/B/A on either the note or the DOT – but these are the exception, not the norm. Even when that d/b/a is present, the note is never properly handled for the trusts as was evidenced at the KEMP trial.)

    So, anyone up to filing a few MILLION of these filings against all the fraudulent “America’s Wholesale Lender Corporation” loans out there?

  11. “….That appearance may rise to an informal presumption by a Judge who believes he understands the “facts” of the case….” If a judge makes a presumption in favor of the veracity of the info in a recorded doc, than imo he is practicing bench law because recordation / judicial notice does not find in favor of the veracity of the content of a (disputed) recorded doc. Now I suppose I’ll have to dig out my case law on that one. I’m pretty sure that’s true and that I do have case law in support. If I’m right and anyone thinks I’m nit-picking, I’d have to disagree because that’s what it takes: “nit-picking” at every issue. The banksters know every trick and manipulation in the world and what we have to stand on is the law – all of it, including ‘nit-picking” issues of law which can in fact turn a case. In my lay opinion.
    Assuming NG is right about who was the true lender (but to me this may have to ignore contracts relevant thereto – not sure, I can’t tell), I can see how non-disclosure of fees to other parties might be required under TILA. I think there was a time when lenders couldn’t even charge a processing fee on the HUD (fha and va only? can’t remember) unless maybe that fee were paid to an outside company and even then, it had to be disclosed on the HUD 1 and the fee had to be included (and it still does regardless of who gets it) in the calculation of the a.p.r. – well, pretty sure. If it were found that what could be called “fees” were paid to other parties, chances are very good the a.p.r. is fatally off and may lead to a right of rescission. imo. The old good faith estimates used to have (if they don’t still) an asterisk by any items which would be used in calculating the a.p.r. on the Reg Z Tila, btw.
    And carie, please tell your source (and not to undermine her efforts) that she might want to look at the one action rule and recourse and non-recourse states for reasons why no one may try to enforce a note secured by a deed of trust when there’s no longer a dot, IF there ever were.ish. I don’t think a lender may 86 or abandon (just the) dot to try to get around f/c (an action against the collateral) as the first (if not only) remedy for default. They certainly can’t pretend there’s collateral if there isn’t. It’s about the remedy for non-payment on a collateralized
    (dot) note; that remedy is not a money judgment.
    Seems to me pretending there’s collateral would of course rise to fraud (but so far, good luck proving it. that’s not unkind – it’s just true, isn’t it?) Any act to enforce an unsecured note doesn’t involve foreclosure; it would really only be an action on an unsecured note (and I don’t think such an act is consistant with the dot remedy in the first place) It’s complicated, not sure I could express it though I have been trying (not the fraud, tho – just the mandate for the first act against the collateral), like at the last post, but these issues may well be missing parts of your puzzle regarding “collection rights”. If for ANY reason, the noteowner has no collateral (and the only reason I know of is because he didn’t get an assgt), he has an unsecured note, but the rules, at least in some states, say that guy is not to have or take recourse on the note alone – a note with a dot has to be remedied first and foremost by foreclosure. I think til he gets an assgt, he might not be able to enforce the note, even as unsecured.
    Enforcement of a note alleged to be collateralized by a dot when there is in fact no collateral dot (if it’s true – I don’t know) I think would involve those two premises, and downright fraud. I’m not saying there has been no de-recognition or fraud or whatever is at the heart of anon’s or your beliefs or anyone’s. I don’t know that stuff. A problem here is that none of us have the right words to know how to express the right issues. I’m learning some of them and what I didn’t know and or didn’t put together. If you’re right about there not being collateral on subprime loans (why pick on subprime for false default, I still don’t know nor have I heard WHY you and others think loans were falsely defaulted – not the how, the why you initially thought that and began sleuthing), in my lay opinion, not only is there no collateral, there’s no note, there’s no debt. It has to do with recourse for non-payment, no meeting of the minds, and fraud (yeah, I know the fraud is no news to you).

  12. @TU: “play it again sham” is the same tune corrupt judges parrot daily…

  13. Laughing out loud,
    In my case it was, Notice of Sale indicating name of a Trustee, then three days later also dated three days later there existed a Notice of
    Substitution of Trustee (yeah I know, you can’t exercise a right until you have it, but that judge didn’t care) and there was NEVER, EVER, NEVER a Notice of Default, only the Notice of Acceleration and Power of Sale.
    I put all evidence in the case…didn’t know how to admit it, but the judge was so rude that in arguing that I was told how to say I want it as ‘evidence’. Otherwise it was just part of the ‘answer’.
    Still the answer wasn’t read.
    Totally sucks, to be pulled into a system that will steal your home and the people issuing judgment don’t even look at what’s right there.

    And, the lender on the Deed of Trust was long gone, so the One doing the substitution was operating on a void document, but the original Trustee was on their payroll, so all fiduciary responsibilities went out the window.

    It’s just business. Licensed to steal.

    Trespass Unwanted, corporeal, life, a free and independent state, a People, the original Creditor, In Jure Proprio, Jure Divino

  14. Now my servicer/collection agency who originated the loan is trying to tell me that my note always said Freddie was the lender, even though Freddie is NOT mentioned anywhere in the entire pages of the note….LIARS !

  15. Cancellations in California: this 2008 complaint’s citations to statutes & cases may be of some guidance with its citations to statutes & cases– http://kareemsalessi.files.wordpress.com/2010/04/kareemsalessi-federal-complaint-1.pdf

  16. Would it not also require that the source of funding show if it had received other funds that may have paid to them and that is why they will not surface ?

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