Wells Fargo Wrongful Foreclosure Kills Elderly Homeowner?

see http://livinglies.me/2013/04/29/hawaii-federal-district-court-applies-rules-of-evidence-bonymellon-us-bank-jp-morgan-chase-failed-to-prove-sale-of-note/

“The administrator of the estate of Larry Delassus sued Wells Fargo, Wachovia Bank, First American Corp. and others in Superior Court, for wrongful death, elder abuse, breach of contract and other charges.

Delassus died at 62 of heart disease after Wells Fargo mistakenly held him liable for his neighbor’s property taxes, doubled his mortgage payments, declared his loan in default and sold his Hermosa Beach condominium, according to the complaint.”

If you are seeking legal representation or other services call our South Florida customer service number at 954-495-9867 and for the West coast the number remains 520-405-1688. In Northern Florida and the Panhandle call 850-296-1960. Customer service for the livinglies store with workbooks, services and analysis remains the same at 520-405-1688. The people who answer the phone are NOT attorneys and NOT permitted to provide any legal advice, but they can guide you toward some of our products and services.


The selection of an attorney is an important decision  and should only be made after you have interviewed licensed attorneys familiar with investment banking, securities, property law, consumer law, mortgages, foreclosures, and collection procedures. This site is dedicated to providing those services directly or indirectly through attorneys seeking guidance or assistance in representing consumers and homeowners. We are available to any lawyer seeking assistance anywhere in the country, U.S. possessions and territories. Neil Garfield is a licensed member of the Florida Bar and is qualified to appear as an expert witness or litigator in in several states including the district of Columbia. The information on this blog is general information and should NEVER be considered to be advice on one specific case. Consultation with a licensed attorney is required in this highly complex field.

Editor’s Comment and Analysis: There are two reasons why I continue this blog and my return to the practice of law despite my commitment to retirement. The general reason is that I wish to contribute as much as I can to the development of the body of law that can be applied to large-scale economic fraud that threatens the fabric of our society. The specific reason for my involvement is exemplified in this story which results in the unfortunate death of a 62-year-old man. I have not reported it before, but I have been the recipient of several messages from people whose life has been ruined by economic distress and who then proceeded to take their own lives.  In some cases I was successful in intervening. But in most cases I was unable to do anything before they had already committed suicide.

It is my opinion that the current economic problems, and mortgage and foreclosure problems in particular, stem from an attitude that pervades corporate and government circles, to wit: that the individual citizen is irrelevant and that damage to any individual is also irrelevant and unimportant. If you view the 5 million foreclosures that have already been supposedly completed as merely a collection of irrelevant and unimportant citizens and their families then the policies of the banks on Wall Street and the politicians who are unduly influenced by those banks, becomes perfectly logical and acceptable.

I start with the premise that each individual is both relevant and important regardless of their economic status or their political status. In my opinion that is the premise of the Declaration of Independence and the United States Constitution. The wrongful foreclosure by strangers to the transaction is not only illegal and probably unconstitutional, it is fundamentally wrong in that it is founded on the arrogance of the ruling class. Our country is supposed to be a nation of laws not a nation of a ruling class.

If you start with the premise that the Wall Street banks want and need as many foreclosures as possible to complete transactions in which they received the benefit of insurance proceeds and proceeds of head products like credit default swaps, then you can see that these “mistakes”  are in actuality intentional acts intended to drive out legitimate homeowners from their homes. These actions are performed without any concern for the legality of their actions, the total lack of merit of their claims, or the morality and ethics that we should be able to see in economic institutions that have been deemed too big to fail.

The motive behind these foreclosures and the so-called mistakes is really very simple, to wit: the banks have nothing to lose by receiving with the foreclosure but they had everything to lose by not proceeding with the foreclosure. The problem is not a lack of due diligence. The problem is an intentional avoidance of due diligence and the ability to employ the tactic of plausible deniability. Mistakes do happen. But in the past when the bank was notified that the error had occurred they would promptly rectify the situation. Now the banks ignore such notifications because any large-scale trend in settling, modifying or resolving mortgage issues such that the loan becomes classified as “performing” will result in claims by insurers and claims from counterparties in credit default swaps that the payments based upon the failure of the mortgage bonds due to mortgage defaults was fraudulently reported and therefore should be paid back to the insurer or counterparty.

In most cases the amount of money paid through various channels to the Wall Street banks was a vast multiple of the actual underlying loans they claimed were in asset pools. The truth is the asset pools probably never existed, in most cases were never funded, and thus were incapable of making a purchase of a bundle of loans without any resources to do so. These banks claim that they were and are authorized agents of the investors (pension funds) who thought they were buying mortgage bonds issued by the asset pools but in reality were merely making a deposit at the investment bank. The same banks claim that they were not and are not the authorized agents of the investors with respect to the receipt of insurance proceeds and proceeds from hedge product’s life credit default swaps. And they are getting away with it.

They are getting away with it because of the complexity of the money trail and the paper trail. This can be greatly simplified by attorneys representing homeowners immediately demanding proof of payment and proof of loss (the essential elements of proof of ownership) at the origination, assignment, endorsement or other method of acquisition of loans. In both judicial and nonjudicial states it is quite obvious that the party seeking to invoke  foreclosure proceedings avoids the third rail of basic rules and laws of contract, to wit: that the transactions which they allege occurred did not in fact occur and that there was no payment, no loss and no risk of loss to any of the parties that are said to be in the securitization chain. The securitization chain exists only as an illusion created by paperwork.

The parties who handled the money as intermediaries between the lenders and the borrowers do not appear anywhere in the paperwork allegedly supporting the existence of the securitization chain. Instead of naming the investors as the owner and payee on the note and mortgage, these intermediaries diverted the ownership of the note to controlled entities that use their apparent ownership to trade in bonds, derivatives, and hedge products as though the capital of the investment bank was at risk in the origination or acquisition of the loans and as though the capital of the investment bank was at risk in the issuance of what can only be called bogus mortgage bonds.

Toward that end, the Wall Street banks have successfully barred contact and cooperation between the actual lenders and the actual borrowers. These banks have successfully directed the attention of the courts to the fabricated paperwork of the assignments, endorsements and securitization chain. The fact that these documents contain unreliable hearsay statements about transactions that never occurred has escaped the attention and consideration of the judiciary, most lawyers, and in fact most borrowers.

It is this sleight-of-hand that has thrown off policymakers as well as the judiciary and litigants. The fact that money appeared at the time of the alleged loan closing is deemed sufficient to prove that the designated lender on the closing papers was in fact the source of the loan; but they were not the source of the funds for the loan and as the layers of paperwork were added there were no funds at all in the apparent transfer of ownership of the loan that was originated by a strawman with an undisclosed principal, thus qualifying the loan as predatory per se according to the federal truth in lending act.

The fact that the borrower in many cases ceased making payments is deemed sufficient to justify the issuance of a notice of default, a notice of sale and the actual foreclosure of the home and eviction of the homeowner. The question of whether or not any payment was due as escaped the system almost entirely.

Even if the  borrower makes all the payments demanded, the banks will nonetheless seek foreclosure to justify the receipt of insurance and credit default swap proceeds. So they manufacture excuses like failure to pay taxes, failure to pay  insurance premiums, abandonment, failure to maintain or anything else they can think of that will justify the foreclosure and a demand for money that far exceeds  any loss and without giving the borrower an opportunity to avoid foreclosure by either curing the problem for pointing out that there was no problem at all.

As I have pointed out before, the entire mortgage system was turned on its head. If you turn it back to right side up then you will see that the receipt of money by the intermediary banks is an overpayment on both the bond issued to the investor (or the debt owed to the investor) and the promissory note that was executed by the borrower on the false premise that there had been full disclosure of all parties, intermediaries and their compensation as required by the federal truth in lending act, federal reserve regulations and many state laws involving deceptive lending.

Wells Fargo will no doubt defend the action of the estate of the dead man with allegations of a pre-existing condition which would have resulted in his death in all events. The problem they have in this particular case is that the causation of the death is a little easier to prove when the death occurs in the courtroom based upon false claims, false collections, and probably a duty to refund excess payments received from insurers and counterparties to credit default swaps.

The cost of the largest economic crime in human history is very human indeed.


Elderly Man Allegedly Dies in Court Fighting Wells Fargo ‘Wrongful’ Foreclosure

91 Responses

  1. My partner and I absolutely love your blog and find most of your post’s to be just what I’m looking for. Does one offer guest writers to write content available for you? I wouldn’t mind writing a post or elaborating on some of the subjects you write concerning here. Again, awesome web site!

  2. Ray Shelton May 19, 2014 at 7:49 pm
    If you are being foreclosed on By US Bank and or SN Servicing ( Please No Other banks or services please) Please check the signatures on your deed in your county clerks office, if you are sure that forgery or falsification of your documents has taken place then call me ASAP we are going after anyone who has wrong us by forgery and or uttering forgery under the RICO ACT. This is happening now 2014 Please join us. call 352 274 8467 Ray Shelton
    #1. Did A Serious Crime of forgery and Uttering forgery take place by US Bank and their attorneys against you ?
    #2. The OCCs Cease and desist order signed by US Bank and its Board of directors specifically says that US Bank and its third parties ( Servicer’s and attorneys) will stop this kind of criminal activity immediately and make restitution, but they have only escalated their activities of illegally taking homes in Florida via Forgery and falsifying documents etc.:

    MEDIA STORY LINE. A Well known highly respected Florida Notary and his wife who witness the signing of a deed and mortgage have come forward and signed a statement sworn under oath that the signatures on a deed and mortgage were originally signed in Royal Blue. They even went to the Marion County Clerk of the Court and had another notary witness the fact that they viewed the recorded deed and mortgage that was submitted by US Bank and then witnessed that the documents were not sign in Royal Blue. But in fact were signed in Black. It is clear by any reasonable person or most important by Law Enforcement and our Judges, that after US Bank claimed a lost note status for a couple of years, they had no choice but to forge the deed and note in order to have standing in court.
    The Shelton family is being illegally foreclosed on by US Bank who has already paid out multi million dollar fines, but no one has gone to jail. Who is actually committing these crimes? Was it DocX or LPS or is it their attorneys? This needs to be discovered and prosecuted by the Feds because it is a very serious issue that is costing the American public billions of dollars in loses. It apparently doesn’t matter to US bank that the homeowner is right or wrong because no normal family can stand up to the money that is used to win by attrition against a homeowner. Who will protect the public and stop the destruction of hundred of thousands of families lives all across this nation?
    This is also very wrong because Us Bank and their attorneys may be undermining the integrity of our entire Justice system and the American way of life as it is known today. Will it end up that it is ok to forge our most treasured document without any prosecution by our government? This is becoming a crime wave that is unparalleled in history and America must stop it. Have Multiple interstate crimes been committed multiple times By US Bank and their attorneys ? Should these issues be considered within the Rico Crimes Laws. US Bank has not stopped their behavior, are the fines way to low and they just don’t care because the numbers prove that they can still make huge profits by continuing on the same path? Where is Law Enforcement? Where is Eric Holder? Where is OBAMA???
    The Shelton Family didn’t discover the facts about the forgeries until they had already lost in every court even the appeals court. Now that they found out and have proof of forgery shouldn’t all the other ruling be null and void? The Shelton’s are filing a Civil Criminal Lawsuit against the attorneys Andrew Braaksma and Paul McKenna and another Civil Rico law suite against US Bank and SN servicing.
    The Shelton’s have filed a bar complaint with the Florida bar against Andrew Braaksma out of Miami and his partner Paul Mckenna for Uttering Forgery and other reasons to be announced. They have also filed a complaint with the FBI and with the Florida Attorney General. They will soon ask the Office of State wide prosecution to take the case. There will also be some press conferences set up to expose the Miami Attorneys and US Bank. Shouldn’t this case be moved up to the Federal courts and demand relief and for the prosecution of the Miami Attorneys and US Bank? To join us please call 352 274 8467 Ray Shelton

  3. Socialism is robbery by the rich Christine. We now know that America was the communists great social experiment to steal our Constitutional Republic. They also thought they would never get caught but thanks to some really honest Americans, they did.

  4. BTW, I am hardly ever shocked anymore but, I was shocked to hear that the IRS would be in charge of policing OBAMACARE. I know it’s a tax but I did not know about the IRS involvement. These investors want this OBAMACARE tax to be a regimine. All the more reason it needs to be abolished. We really don’t want these investors who hate us invested in looking into places the sun never shines. It is all pretty distasteful.

  5. Niedermeyer

    “Taking from the 99% to make the 1% richer is EXACTLY what socialism promotes …. the only people that thrive in a socialist economy are the ones directly connected to the policy makers”


    This country is done exactly for the reasons outlined by Allan Bloom in 1987. Sad. The world moves on. Moving on with it.

  6. Thanks, Deb—I appreciate it…you are exactly right.
    You can contact me at cariemac9@gmail

  7. Remember, the Constitution was written simply so every American citizen could use it to defend themselves without an attorney. Time to raise the roof.

  8. I say we start with the local hoodlums and work our way up. We need to demand private audits of everything and find out where our money went.

  9. We may need to file some lawsuits against the politicians as well for violating the public trust and treason.

  10. The people who already lost their properties and even those with bad titles need to file targeted lawsuits against these crooked banksters. We don’t need attorney’s to call their asses out.

  11. taking action is hell, honestly, carie has kids and a husband, the toll on her family would be costly, it takes years, 4, 5 maybe 7, more perhaps, ok, so maybe for some they must self preserve for the sake of their family. CARIE I don’t want to post my email on here it was a mistake before, if you know some one with pacer they can get my contact info from the case USCA 9th circuit !2- 16192 I know your parties are same as mine and I may have something which may help you later on.
    im not trying to practice law, im not a lawyer im pro se, but If I can point something out that may just help I believe i should do that but I have to be careful, my case is still evolving.

  12. Fox Business Lou Dobbs guest tonight used to work for the justice dept and said he saw first hand how this administration operates and these aren’t mistakes in Benghazi, etc. These are the people the founders feared. He said they have hijacked all branches of govt with their muscular ideology that ignore the laws of this land.

  13. If the link is blocked you can search it. It is a good read. Ezekiel Emanuel is in fact part of the Obama Administration…

  14. Back to the subject of OBAMACARE. I would bet my bottom dollar Rahm Emanuels brother, Ezekiel, who is a doctor, a commie and has been labled a “deadly doctor” had his hand in the drafting of Hillary/OBAMACARE. OBAMACARE was drafted during the Clinton presidency by the democratic underground of communists…..


  15. Fox Business reporting Obama is still paying a mortgage. What a joke. They also report most of his investment portfolio is invested in Treasuries. Blah….blah…..blah…….and he started saving for retirement when he was 31……more selling lies by the banksters. Not a word about his retirement fund that is invested in Vanguard or how much he has received from his rich commie buddies from Chicago who funded him through the years. I read a media report a while back that said he & his cronies knew for years he was going to br President and they openly bragged about it.

    FOX BUSINESS really disappointed with this story that only told a very small portion of the truth. They tried to portray Obama as just your average guy and that is simply not true. He was bred, groomed and planted in place by some very deceptive communist factions to cover up the crimes of the investors at the top of the pyramid scheme. Obama is a fraud who is no doubt covering up for that little sneak, Joe Biden and the Zionist commie agenda to destroy our Constitutional Republic.

  16. Christine—you always say you’re “not interested”, yet you always attack. Always. You enjoy attacking and making things up to make yourself look superior. Please stop…because when you do, your character is quite repulsive and not a good example for anyone.

  17. Our mortgage payments were robbery to…so are the extravagant utility bills.

  18. Look at the results from everything we entrusted with these politicians……our tax money….Medicare …Medicaid….Social Security….were all used to rob us. OBAMACARE is just another way for the investors to rob and control us. Doctors have stated OBAMACARE is no more than glorified Medicare. It is disgusting.

    The banksters will just use the OBAMACARE TAX to fund more wars and to create more weapons of mass destruction to use against us.

    There is no reason why healthcare should be unaffordable and OBAMACARE sure is not affordable esp. If you have a pre-existing condition.


  19. I believe all of that niedermeyer. OBAMACARE is tyranny.

  20. @ Stripes re: 09:24 ,

    The Obamacare SC decision MUST be overturned , first it’s a fish , then it’s a bird , then it’s a rock , then it’s a river … IT IS NOT A TAX… and if it is it was passed unconstitutionally..

    John Roberts has some serious skeletons in his closet and for some strange reason he still thinks that the world doesn’t know about his homosexuality or the illegalities regarding the acquisition of his adopted kids… it’s all in the open, it’s been known for many years. What did he get for selling the entire USA down the river? Someone got to him , he was a NO vote on that decision for a long time, Scalia said so… I make deliveries to hospitals and I keep seeing the physician directories at “med plaza’s” shrink as doctors leave … it’s quite noticeable ,, now I’m going to see my rates increase by a MINIMUM of 100% and maybe as much as 300% over the next 2 years!

  21. @ Christine , re: 04:45 post

    Taking from the 99% to make the 1% richer is EXACTLY what socialism promotes …. the only people that thrive in a socialist economy are the ones directly connected to the policy makers ,, the 1% get the tax breaks , the 1% get the Obamacare exemptions , the 1% get the courts to rule in their favor , the 1% get the regulators to look the other way , the 1% magically have anyone attempting to move up punished in some way, The 99% with no angel looking over them at the IRS have “progresively” higher taxes confiscated from them to keep them from ever accumulating wealth, THEIR children go to public schools which have been intentionally dumbed down to the point where a COLLEGE grad today knows less than an 8th grader in the 1950’s , the 99% are the ones targeted by our web of conflicting laws which make it impossible to avoid jail if the government so desires… I guarantee that I could go into your home and find you in violation of a federal law with mandatory prison time … I’ve demonstrated it to many of my friends … by showing them chemical products in their kitchens and garages where they are in non-compliance with federal law spelled out on the labels…

    Socialism is the problem …. and is what we have.

  22. Christine needs to spread her communist propaganda in some other country, not here.

  23. I agree carie there are a lot of ways to fry this fish.

  24. That is coming from christine, the most bitter thing I have ever beared witness to. I really believe that internal bitterness is the cause of communism. Internal bitterness and hatred creates communism.

  25. Carie,

    Whatever. Funny though how posting on internet on every site you could find seems to have been the entire extent of your “meaningful” actions over the past 4 years. Even funnier to realize that… you posted on the same sites as Ivent. You girls go back a long time. No wonder people confuse you…

    Miserable people love miserable company.

    Marinate in your juice. i’m not interested.

  26. THAT ALSO WOULD INCLUDE OBAMACARE IS ILLEGAL. What are the Supreme Court Justices invested in is the real question and who paid them off to call that fascist piece of shit legislation Constitutional?

  27. FYI, lovely Christine—taking action in “court” is not the only valid action…there are a lot of other things that people can do that constitute meaningful “action”—and you have no idea what actions people take in their personal lives to help make the world a better place. The fact that you love to attack people to make yourself look high and mighty is clearly a pathetic character flaw…and we all see it…but, it’s also clear that you don’t care.


  29. Take FORCED PLACED INSURANCE as a good example of this communist mindset. The banksters do not have a legal lien on our property so they are insuring property they have no legal claim on. What a scam. It is another trap they hope they can snare us with.

    The rest of the world can move on to fraudulently induced bankster hell if they want to christine but, in these United States everything the banksters/politicians are doing is illegal in our Constitutional Republic. Anything they do that weakens the legal rights of WE THE PEOPLE IS ILLEGAL.

  30. You did it again, Christine. Wow.

  31. Carie,

    Think whatever you want. The world is moving on, with or without your getting off your butt and taking any kind of an action. If your call in life is to rehash theories you never personally tested for lack of elementary courage (disguised as holy might nobody buys), don’t let me stop you, by all means.

  32. Christine clearly has an unamerican agenda. She is probably blogging her communist crap from inside the Kremlin.

  33. If the politicians are going to tax our income and turn virtually everything we pay into a tax and force us to pay for everything then they have no right to take property or anything else away from us.

    I think the property tax system should be restructured because there is no accountability for where our money is going. Property tax is therefore, tyranny. Retired people are losing their property because of the debauchery by the investors. That is wrong.

    The politicians/investors are using our property and utility bills to terrorize us with.

    We are all being held hostage by these greedy crooks because they hijacked everything that effects our Life, Liberty and Property by investment fraud.

    The American people should be filing lawsuits on them because everything they are doing is illegal and OBAMACARE needs to be done away with as well. OBAMACARE is a very deceptive way for these crooks to seize our infrastructure.

  34. Christine,
    Once again, your self-centered, egotistical, rude, and complete lack of character is on display here for all to see. Sad but true.

  35. I don’t have a problem with pitching in for police and fire services, road repairs and other improvements however, most of our money is just being pocketed by the politicians and their criminal friends and is not being used for it’s intended purpose. The towns & cities need to be audited That is why the politicians have hyperinflated the taxes and costs of everything.

  36. I agree neidermeyer, collectivism, socialism, communism, totalitarianism, all the same “big idea” and the same method….the politicians will tell you everything they do is for the “greater good” when in reality, it only makes them and their communist friends richer.

  37. Not socialistic…..? Social Safety nets and taxation are what put us here.

  38. Niedermeyer,

    Nothing socialistic about this country. In fact, the way omelets have, thus far, been made is by taking everything the 99-percenter owned and giving it to the ultra rich, 1-percenter.

    to wit:
    Job… check;
    Pension and retirement… check;
    Land… check;
    Education… check;
    Food… check;
    Trust… check;
    Freedom… check.

    Feudalism is the proper name for it. America is the only country that has striven so hard in order to recreate the Middle-ages. Everyone else knows that there is no shame at being rich… as long as it doesn’t require tearing down society’s fabric and as long as. As Warren said, those who did get rich thanks to existing infrastructures paid for by everyone do their share to keep them from crumbling.

  39. “……stem from an attitude that pervades corporate and government circles, to wit: that the individual citizen is irrelevant and that damage to any individual is also irrelevant and unimportant.”
    It’s called SOCIALISM Neil ,, whatever is good for the COLLECTIVE… or to quote almost all of them “if you’re going to make an omelet you’ve got to crack a few eggs” ,, well we the INDIVIDUAL people ARE the eggs.

    This is what you get when Marxists run the government.

  40. Yale Law Professor, Raymond Brescia who has written about foreclosure practices said in an interview in late 2011….”I think it’s difficult to find a fraud of this size on the U.S. court system in U.S. history.”


  42. Local media in Chicago reporting family in foreclosure wins the lottery and now they can afford to pay off the mortgage (fraud by the banksters).
    If they were smart, they would sue the crooks to clear title because it’s not about the money, it’s about the rule of law and our moral standards. Paying money to the very crooks that robbed you is extortion….another felony.

  43. Name calling is for morons…. and it is only happening in your fascist dreams Christine.

  44. BRICS is the NEW WORLD ORDER. They are pretending to oppose the NEW WORLD ORDER but they actually are the fake opposition and are THE NEW WORLD ORDER.
    BRAZIL ….RUSSIA….INDIA…..CHINA…….SOUTH AFRICA are the countries who benefited the most from our robbery. This phase of the evil communist plan to SPREAD OUR WEALTH AROUND was hatched at the RIO EARTH SUMMIT in BRAZIL in 1992…..

  45. She was an imbecile a year ago, she still is an imbecile today.

    Go ahead, moron. it’s happening regardless how you feel about it.


  47. Thursday 16 May 2013 08:55

    Russia’s Plan For The BRICS To Dismantle The Dollar System

    “A week before the recent BRICS summit in Durban, the Kremlin administration has silently produced a document which describes the Russian strategy in the context of BRICS cooperation. The document makes for a fascinating read for anyone brave enough to plow through the dense Russian legalese. The strategy has been designed in the “inner circle” of Vladimir Putin’s team, so it is safe to assume that it represents the official view on the BRICS future.

    In Russia, politics are Byzantine; the fact that the Kremlin decided not to hide the document or leak it to a chosen few journalists, but publish it outright is a very strong signal, a very vocal angry signal directed at the US. A signal that the Western media chose to ignore.

    In the recitals section of the document, the authors point out that “there is a common desire of the BRICS partners to reform the outdated global financial and economic framework that doesn’t take into account the growing economic weight of the emerging markets.” Moreover, the Russian strategists view the BRICS as a tool to reform the way the world is being governed. Then the document hammers home its message:

    Russia assumes that, given enough political will of the leadership of the BRICS countries to advance their cooperation, this alliance can become one of the key elements of a new system for global governance, primarily in the economic and financial domains.

    Move aside New World Order! The BRICS are coming to change the world.

    The goals are clear. In the section titled “Strategic goals,” the first point on the BRICS’ agenda is the reform of the world financial system in order to make it “fairer, more stable, and more efficient.” In the later chapters, it is spelled clearly that this “reform” is actually a dismantling of the dollar system.”

    Boy Oh Boy! Exciting as all hell!

  48. “The symposium will take place in the Academy Building, Rapenburg 73 and will be concluded with a drink for all participants. There will be a speakers dinner the evening prior to the symposium.”

    Food and drinks too. Those guys know how to live… Won’t be Monsanto either: many of those countries have banned it one way or the other. Glorious future ahead of the us. Not so much here, Canada or Mexico though… Nafta coming back to bite the US in the butt.

    Awe inspiring.

  49. Not one guy from the US will be there… Witnessing in awe the making of a third-world country in a hurry. And by golly, it’s working! No one wants anything to do with the US any longer… They ain’t even invited!!!

    “Symposium on Legal and Policy Aspects of Space Cooperation Between Europe and BRICS Countries; Inventory, Challenges and Opportunities
    When: Thursday, May 16, 2013
    Where: Academy Building, Leiden University, Room ‘Klein Auditorium’, Rapenburg 66-73, 2311 GJ Leiden, The Netherlands

    On Thursday 16 May 2013 The International Institute of Air and Space Law of Leiden Law School and The Department of Latin American Studies of the Faculty of Humanities, Leiden University jointly organise the First Symposium on Legal and Policy aspects of space cooperation between Europe and BRICS countries (Brazil, Russia, India, China and South Africa) in the Netherlands and probably in Europe. This event will be sponsored by the Secure World Foundation and Laboratoire Europeen d’Anticipation Politique.

    Speakers from the BRICS countries, the European Union and European space organisations will outline their vision. A panel discussion at the end of the day will be led by Prof. Laurens Jan Brinkhorst. Mrs. Prof. Simone Buitendijk, Vice-Rector Manificus of Leiden University will open the Symposium to underline the uniqueness of the event.

    The symposium will take place in the Academy Building, Rapenburg 73 and will be concluded with a drink for all participants. There will be a speakers dinner the evening prior to the symposium.”

  50. True…. it is another whole issue exactly where our tax money goes and that issue certainly needs to be addressed.

  51. Storms all around me on the southside of Chicago tonight but a beautiful rainbow right outside my patio door.


  53. NPV,

    Don’t waste your time. Those are rhetorical questions Carie has been pestering everyone with for years with absolutely no intention of engaging in the fight. Folded like a cheap suit the minute it got a little heated.

    “Schmo” doesn’t feed her anything any longer. Hasn’t for a sweet, long time. “Schmo” is too busy fighting and writing her book. “Schmo”s been in the fight for 9 years. Carie…? Sits on her butt backtracking when people get fed up with her with her “Why? Why? Why?”

    Taking action? No Siree! Not a chance!

  54. @iwantmynvp—I get it—I wasn’t asking you that question…I was asking you why—when I asked the servicer for the name of the “real creditor”—he told me: “We don’t have to tell you that because of privacy laws.”
    Just curious if you might know why he would say that.

  55. http://www.huffingtonpost.com/2013/05/15/eric-holder-too-big-to-jail_n_3280694.html?ref=topbar

    …On Wednesday, Holder backtracked furiously:

    “Let me make something real clear right away. I made a statement I guess in a Senate hearing that I think has been misconstrued. I said it was difficult at times to bring cases against large financial institutions because [of] the potential consequences that they would have on the financial system. But let me make it very clear that there is no bank, there’s no institution, there’s no individual who cannot be investigated and prosecuted by the United States Department of Justice.”

    And in case that was not clear, Holder added: “Let me be very, very, very clear. Banks are not too big to jail. If we find a bank or a financial institution that has done something wrong, if we can prove it beyond a reasonable doubt, those cases will be brought.”

    All righty, then. But the record is also very, very, very clear that not a single bank has been charged with any crime arising from the financial crisis. And not a single big bank has been charged with any crime involving money-laundering, though some big banks have copped to letting drug dealers and terrorists move cash through their branches…

  56. And since I am on the oft mentioned “roll”. @ carie. If you ask me one more time who owns the majority residual interest and who holds the NOTES, and i have to tell you that it is the National Associations – you are going on the bucket-list with that other schmo who feeds you the information. Tell her she is going to get an anonymous smack in the mouth. There, I am done for the evening…

    Who else likes chicken?

  57. Incidentally…

    Clear sky over Columbus tonight. But lighting and thunder all over the place!

    HAARP is alive and well. Pay your taxes: that’s where they go. Geo-engineering. Monsanto. Banks. War. Police of all shapes and forms.

    “Number of police

    The 2012 Bureau of Justice Statistics’ Census of State and Local Law Enforcement Agencies (CSLLEA), found there were 17,985 state and local law enforcement agencies employing at least one full-time officer or the equivalent in part-time officers.[2]

    In 2008, state and local law enforcement agencies employed more than 1.1 million persons on a full-time basis, including about 765,000 sworn personnel (defined as those with general arrest powers). Agencies also employed approximately 100,000 part-time employees, including 44,000 sworn officers.[2]

    From 2004 to 2008, overall full-time employment by state and local law enforcement agencies nationwide increased by about 57,000 (or 5.3%). Sworn personnel increased by about 33,000 (4.6%), and nonsworn employees by about 24,000 (6.9%). From 2004 to 2008, the number of full-time sworn personnel per 100,000 U.S. residents increased from 250 to 251.[2] From 1992 to 2008, the growth rate for civilian personnel was more than double that of sworn personnel.[3]

    Local police departments were the largest employer of sworn personnel, accounting for 60% of the total. Sheriffs’ offices were next, accounting for 24%. About half (49%) of all agencies employed fewer than 10 full-time officers. Nearly two-thirds (64%) of sworn personnel worked for agencies that employed 100 or more officers.[2]”

    When all is said and done, there will be more police force (public and private) paid by your taxes than in any other country in the world.

    You keep paying. You must like it that way… Less than 5% of the world population but over 25% of the world inmate population. Is that a great country or what? The silent majority sits on its butt blogging all day long. Working for the cabal by doing just about… nothing!

  58. I have to fix the keys on my laptop,and them smack the hellout of the kids for prying them loose. It is bad enough that I am a dimwit, with minimal command of the english language, now I look even worse.

    The kids also like chicken!

  59. @ Christine – it is sucky,primarily because they overlook the fact that the servicer is typically not hired by the current lender. When the loans are securitized these culprits either allocated the MSR’s to themselves,or sold them for a tidy profit.

    Servicers are not merely intermediaries between lender and note holder. they are capitalist entities that ara paid as a percentage of the total UPB of the pooled loans or loan servie rights they purchased from the “closing bank”,the originating bank, or the “aggregate bank”,who would have prior purchased the same from one fo the previous mentioned banks.

    They have a capital interest in the loans and a vested interest to distort the truth. i should have written a brief on that one. Well… can’t catch
    them all, but JS will be exiting planet earth within close proximity to the day I go home to papa!

    I like chicken!

  60. I don’t care what anybody thinks: the fact is people are fed up and some of them actually get off their butt, stick their neck out and go public. More and more like this woman take to the streets and speak up. Emotional? You bet! We’ll get where we want to be: free of it all. All it takes is many, many like her saying what she says.

  61. @ Neil Garfield

    “It is this sleight-of-hand that has thrown off policymakers as well as the judiciary and litigants.”
    “Thrown off policy-makers” There is no confusion amongst policy-makers” They are in on it! One need look no further then the Fannie and Freddie Master Trusts.

    It becomes difficult to learn and een more coplex when we have a self-proclaimed expert feeding misinformation.

    People forget the PSA’s – you need look no further then the actual Note and the MLPA. The exhibits filed with, or after the registration statement tell the whole story. The dark-matter that circles the universe of securtization is simply a misdirection to provide some reading material to a fund manager over cocktails and a round of golf.

    Newt Gingrich received almost $2m in lobbying dollars to tell Fannie how to improve their model. Amazingly, three months later they received approval to start purchasing lower quality paper.

    Lastly, WE THE PEOPLE PAID THE PREMIUMS FOR THE SWAPS in interest rate, which premium was calculated on a credit grading system and a corresponding interest rate based on that credit risk.

    Since the swap was purchased as part of the MLPA, not the pooled loans – the PSA is irrelevant since it occured as a result of the swaps and not subsequent. We mistake enhancement for actuality, and misdirected intention for swaps.

    In any event, this is a sad fucking story, and I for one have added John Stumpfbag to my bucket-list of people to take with me when i am diagnosed with stage 4 lung cancer. if i can get him and that other miscreant, James Dimon, to stand in single file, i will cough up a lung,take great aim, and kill two birds with one armor piercing round.

    I like chicken!

  62. I believe Biden is the real culprit here. They say keep your friends close and your enemies closer. I don’t trust Biden at all.

  63. Regarding the IRS debacle. The IRS should not be used as a weapon by the Obama Administration if that is in fact true. I don’t really see how the tea party is any threat to the Obama Administration unless there are things we are not being told. I guess this all stems from a speech Obama made a while back regarding using the IRS to target his enemies. This all seems to be happening kind of late in the game. Like Benghazi, well after the election the truth comes out. I really believe this is all staged. If Obama were to get impeached Biden would take over now, wouldn’t that just play right into Israel’s hand? Something stinks.

  64. These globalists are not spending into our economy. They don’t support the small business owner by patronizing us so why do we patronize them?

  65. If you are making money in this country you should be contributing to bettering this country, not weakening it by evading taxes.

  66. Bank analyst Dick Bove on Fox biz says J.P. MORGAN is in trouble and if J.P. MORGAN did something illegal people from that firm should go to jail.

  67. The tax evaders at the top of the pyramid scheme are the real problem. Why do they think they should make bank off of our backs and not pay taxes? That is another reason why we are all paying more for everything we do.

  68. Why are tea party members exempt from paying taxes? If they are making money they should be paying their taxes. This is another political football being punted to the punter.

  69. I see the tea party as no different than any other political lobbyist. What are they fighting for? Nobody knows.

  70. As if all of the politicians and their political appointments are not invested in this scam to steal our Constitutional Republic? This is an investor scam by these communists. The tea party has turned this investor fraud into a political football and they are sell outs IMHO…WHY? Because there never was an actual tea party. These groups are following the communist playbooks to the letter and don’t even know what they are fighting for or against. They are no more than controlled opposition to all of us who are fighting to restore our Constitutional Republic. They are all full of shit and if they are using politics to get out of paying taxes than I agree with the IRS. The tea party has not accomplished a damned thing accept try to blame the other party when they are all one party. Damned idiots all of them.

  71. Who controls the worlds central banks that have banking charters to use our Treasury to rob us?

  72. My take….investor psychopaths rule the world. The investors in CORPORATE AMERICA at the top of the pyramid scheme use many proxies to get their dirty deeds done. Take Goldman Saks for example. Who owns Goldman Saks? Goldman Saks is one of the largest SMOM/JESUIT/VATICAN banking proxies in the world. They were also the largest contributors to Obamas 2008 campaign. Who owns Bank of America….? Bank of Italy…..Most importantly who are their investors….? Who is the biggest investor in the FEDERAL RESERVE……? 47% of that stake goes to the Rothschilds….the other majority half goes to the foreign controlled banks like J.P. Morgan (BANK OF LONDON) and the Lazards & the usual suspects…

  73. The truth is clear, America has been hijacked by these investor imposters and nothing is going to change unless we stop cooperating.

  74. The House Judiciary Panel are questioning Eric Holder about his role in this ongoing scandal to steal our Constitutional Republic. Yawn…..another staged event for the sheeple….this will as usual, go nowhere.

  75. That’s the problem D. Marie, try to find an attorney to fight themselves. That is what fighting the banksters boils down to with these attorneys. The reason is, the big wheel investors at the top of the pyramid scheme made sure Wall Street created these illegal conflicts of interest and told the banks and the attorney’s to go grab our money and property. The attorney’s make more money helping out the crooks in my State, that is obvious.

    My advice, do your homework and there is a lot of info available to us. File your own lawsuit. We need millions of these suits to show these imposters who’s the boss and it is not them. We need to stand up for our rights because no one else will.

  76. @AMan

    I’LL say the IRS has problems…

    A perfect example:

    My 1099 A tax form states the “servicer” was my “LENDER”.

    Yet I was told by AZTEC FORECLOSURE MILL that my “LENDER/CREDITOR” was the Trustee (Deutsche) of the (empty) MBS Trust…

    Complete BULLS**T.

    The IRS is a fraudulent entity—just like everything else.

    Materialistic sociopaths rule the world with complete fraud.

  77. I have been following this blog for four years. I lost, and sheriff sale was on the third of may.

    My attorney never mentioned the more than 700 a month ASC over charged, the 17,000 overage on the escrow statement for 4 years, and never to this day, have i had any accounting. I know that HSBC trustee for ace 2004-he3 is a bunch of crap and that wells has been the party all along, although remain unnamed. They submitted the bid, and now have one of thier other companies PAS offering us a c4k settlement…relocation assistance with a settlement attached….that we will not be taking.

    There are two siffering copies of the note, an assignement executed 13 days before the dunning demand from MERS on behalf of WMC to HSBC, and its signed and notorized by ASC employees. I paid the lawyer almost 20,000 and he wants another 7000. He withdrew for lack of payment….

    I want to start a wrongful foreclosure and perhaps legal malpratice, but live in NW indiana, and NO ONE here “gets it”.

    If you have any referal that you think may help, Please email me back

    Dita Collins lowell indiana 708-747-2757

    On Wed, May 15, 2013 at 9:13 AM, Livinglies’s Weblog wrote:

    > ** > Neil Garfield posted: “see > http://livinglies.wordpress.com/2013/04/29/hawaii-federal-district-court-applies-rules-of-evidence-bonymellon-us-bank-jp-morgan-chase-failed-to-prove-sale-of-note/“The administrator of the estate of Larry Delassus sued Wells Fargo, > Wachovia Bank, “

  78. TOO BIG TO FAIL & TOO BIG TO JAIL are unacceptable in our Constitutional Republic where everyone is equal under the law. Show me the law that protects these criminals. THERE ISN’T ONE…

    If the President and the politicians told everyone to jump off a cliff would they do it? It’s beginining to look like the Jonestown cult or any other cult the way people keep complying with everything they are told to do by these investors.

  79. hi Stripes, we are fighting. There are many who know the truth and the list of those who “get it” is growing every day! Thank you for having the desire to respond to Neil, it shows you are one on the “get it” list!! Please keep talking and sharing!!@ hofj.org too!! Come listen and participate..keep communication open! Neil has been on CJ’s livestream, we support Neil and respect him beyond words!

  80. 4closurefraud has fraudclosure pegged today and this is what I have been saying all along……this is financial terrorism and I won’t hold back from naming the real culprits here are the investors both foreign and domestic. They are invested in everything we own, pay for and Labor for…. They are invested in everything that effects our Life, Liberty & Property and that was intentional and allowed by the traitor politicians from within who swore an oath to uphold our Constitution and failed to do so.

    I agree with what Lou Dobbs of FOX Business said last night. We are in very real danger of losing our National Sovereignty to these imposters so why are we cooperating?

  81. hi Charles, please go to hofj.org and listen to the livesteams. We are working on solutions and actions that many are finding helps them. We are filing affidavits of truth as custodian of our records to show the fraud and forgeries to the court. In an affidavit of truth, with the proof attached and affidavits from offices such as John O’Brien, we are seeing that the crooks do not want “to go there”…when it gets to the discovery stage where the crooks must produce all, including both cooked books, they are backing off. Look at Colorado right now! The truth is coming out Charles, go to hofj.org and start participating! We WILL win this WAR!!

  82. What about in the commission of a crime and a death occurs, but I guess that does not apply to TBTF!

    Why are we in court with people who have no proof other than fraudulent documentation that they are suppose to be “holder in due course”! Where is law enforcement?

  83. As long as we keep complying, conforming and cooperating with what the investors tell us to do and patronizing their Corp, the investors will continue to fraudulently control everything.

  84. This is what these traitor politicians are allowing to happen to the people who pay for everything. TOO BIG TO FAIL……THE INVESTORS….. & TOO BIG TO JAIL CORPORATE AMERICA and all their perps are imposters who are big fat frauds and phonies and we are suckers for putting up with them.

  85. These judges need to read a pooling and servicing agreement. And this was what BONY said to me: “The Bank of New York Mellon acts as the trustee for the Trust but does not service or have the authority to service the Loan.The Servicer is the party who is required to service the Loan, which includes among other things, determining whether to foreclose on the Borrower’s Loan.”
    Per the PSA there is NO authority for the trustee to the payments or foreclosure as they are ONLY the “supplemental interest trustee” with no authority to work with homeowners. JUDGES NEED TO READ PSA’S AND GET THEIR HEADS OUT OF THE ARSES OF THE BANKSTERS!

  86. The homeowners will prevail as the truth has been revealed over and over in suits by the government, investors and insurance fraud complaints. Those who attempt to discredit the facts of the fraud perpetuated by the banksters and fraudclosure mills, in many opinions, are working with and for the crooks. Anyone with half a brain sees the truth, the truth is that Neil Garfield is right, the shell game was illegal and conspired into by the banksters/servicers/wall street. The tide is turning and homeowners across the nation are WINNING! Time to get attorneys on board with the homeowners and away from the crooks. Homeowners who have paid on time got settlement checks, they also found themselves VICTIMS of the fraudclosures without one ounce of legitimacy by the banksters, as noted in the above blog. It is time to STOP ALL FRAUDCLOSURES, JAIL THE BANKSTERS/FRAUDCLOSURE MILL OWNERS and quit pretending that the crooks have ANY standing. Judges are finding complaints against their liability insurance, the crooks attorneys are being included in lawsuits for the fraud. Homeowners are filing AFFIDAVITS with their claims now and the crooks will NOT file affidavits refuting as they would then be committing further fraud in writing/notarized. John O’Briens office has required affidavits of truth to accompany any filings of assignments or notices that were found irregular and NOT ONE crook has complied and refiled with the affidavit! THAT is the truth clear, they have FAKED, FORGED, FRAUDED the county recorders with documents. Time for homeowners to be the center of the help and financial restitution/clear and full title to ALL homeowners.

  87. Wells Fargo should be held on criminal charges in a series of things but they know they are TBIF and conducts their business that way.

    Wells Fargo does business this way because it makes money and the fines don’t add up to the profits that have been made for the illegal activities. Just look the clown in the last couple of year has increased their part of the mortgage market to 1/3!

    Crime pays when they will not prosecute the criminals!

  88. Very sucky decisions… If that isn’t a “consumer transaction”, WTF is?


    Mortgage servicer isn’t held by consumer law, justices rule

    The Ohio Supreme Court has ruled that servicing a residential mortgage does not constitute a “consumer transaction” as defined by state law, a ruling that consumer groups and attorneys say eliminates a protection for homeowners trying to save their homes amid the housing collapse.

    The ruling stems from a lawsuit filed by a Norwalk homeowner against Barclay’s Capital Real Estate in U.S. District Court in Toledo.

    The homeowner, Sondra Anderson, alleged that Barclay’s, which operated the mortgage-servicing business under the name HomEq before selling it three years ago, had not applied her mortgage payments correctly. As a result, she was stuck with hundreds of dollars worth of fees that it has yet to account for, despite her attempts to obtain more information, said her attorney, John Murray of Sandusky. He said Anderson is up to date with her mortgage payments.

    The federal court asked the Supreme Court for clarification of the situation in the context of the Ohio Consumer Sales Practices Act, which generally prohibits unfair or deceptive acts in consumer transactions. It is common for federal courts to ask for guidance from the Supreme Court on questions of state law.

    The court, in a 5-2 ruling written by Chief Justice Maureen O’Connor, effectively determined that the interaction between the servicer and the homeowner is not a consumer transaction.Mortgage-servicing companies act as an agent for the lender by collecting payments, late fees and other assessments and handling day-to-day interactions between lenders and their customers.

    “Mortgage servicing is a contractual agreement between the mortgage servicer and the financial institution that owns both the note and mortgage,” she wrote. “Mortgage servicing is carried out in the absence of a contract between the borrower and the mortgage servicer.”

    O’Connor acknowledged that the servicer’s duties may involve interactions with borrowers and may even help them modify their loans, but the company does that on behalf of the financial institution.

    In his dissent, Justice William O’Neill said dealings between consumers and mortgage servicers should not be exempt from the law.

    “Given the foregoing history of protecting consumers when they are forced into the hands of third-party debt collectors, it is wholly appropriate to also protect residential-mortgage-loan borrowers when they are forced into the hands of mortgage-loan servicers,” he said.

    The issue of whether the state’s consumer-protection law applies in these relationships was important because the law would have allowed consumers the possibility of recovering attorney fees along with damages, attorneys say.

    “A lot of homeowners in foreclosure don’t have the money to pay the attorneys to represent them,” said Linda Cook, senior staff attorney for the Ohio Poverty Law Center. “Legal-aid resources are limited … so having fee-shifting statutes in consumer sales practices actions level the playing field.”

    Cook disagreed with the ruling, saying mortgage servicers “are the middlemen, and most of the time that’s the only entity that homeowners deal with once the loan is closed.”

    Murray said the problems Anderson has been facing are industry-wide.

    “It’s unfortunate for consumers to not have this protection,” he said.

    Murray said the ruling will not stop the lawsuit that he expects ultimately will include tens of thousands of homeowners.

    Attorney General Mike DeWine’s office, which also asked the court to rule on Anderson’s behalf, said it, too, was disappointed in the court’s ruling.

    “Ohio consumers deserve to have their mortgage payments applied correctly, and we will continue to work to ensure that consumers are treated fairly both in mortgage transactions and in the servicing of their mortgage,” DeWine’s office said in a statement.

    Attorneys for Barclay’s did not respond to emails and phone calls requesting comment.

  89. Shouldnt the IRS be involved? arent the big banksters violating the federal tax codes?


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