Category Archives: OP-ED

BREAKING NEWS! SCUMBAG EX-FORECLOSURE MILL ATTORNEY IN CONGRESS TRYING TO AMEND THE FDCPA TO EXEMPT ATTORNEYS FROM LIABILITY!

BREAKING NEWS, OP-ED — 

Three items just crossed my desk that you should be aware of:

FIRST:

Congressman David Trott (of the foreclosure mill law firm Trott & Trott) is “hot to Trott” this legislative session, again trying to proffer amendments to the Fair Debt Collection Practices Act to exempt attorneys from liability.  Here is a pdf downloadable copy of this scumbag’s bill (sponsored only by him): H.R. 1849 (FDCPA Amendments, 2017).

The language speaks for itself and you should be speaking out against it!   Call your Congressperson and Senator immediately and tell them NOT to support this bill.  This bill takes all of the fairness out of debt collection and once again attempts to make it easier for attorneys to break the law!

SECOND: 

If you are facing Bank of America in court during your foreclosure proceeding, you should know that:

  1. Bank of America will likely produce a “robo-witness” to testify against you at trial.

This reporter has just learned from inside sources that Bank of America flies its designated key witnesses to Dallas, Texas to participate in “mock trials”, both jury and non-jury, to run its key “witnesses” through the proceedings to educate them as to what to say and how to say it in order to avoid scrutiny in cross examination.

2.  Bank of America has a “stable” of these “robo-witnesses” who spend little time looking at actual files (potentially the day before they give testimony, or the day of in some cases), working on actual case loads for a considerable length of time in order to gain the experience necessary to truthfully testify that they have actual, personal knowledge of the bank’s business records.

This reporter has further learned that witnesses are ostracized, punished and/or demoted or transferred to an administrative position within the BofA banking structure if they lose their credibility by failing to help outside counsel win their foreclosure case too many times.  Thus, it is reasonably certain that if Bank of America has a stable of whores who fabricate and embellish the truth on the witness stand, it is likely other banks are doing this too and the homeowner’s counsel should focus on the witnesses’ actual training, including time spent in front of a mock jury learning to adequately “testify” (which may have repercussions if they don’t adequately testify) to screw homeowners out of their homes!

Not only are the business records and the personal knowledge of them at risk as testimony, but the process by which these “employees” who do nothing but roam the country on a minute’s notice and do nothing but testify at trials in favor of Bank of America, should be impeached by further cross-examination and scrutiny of their real training … including, WHO trained them, HOW they were trained, HOW they are punished if they don’t “hold up” in court and WHERE they are trained.  These people cannot be believed and this is just one more reason homeowners need to have this information in their arsenal to “fight the good fight”.

NOTE: The people that attended last weekend’s Foreclosure Defense Workshop in Orlando, Florida know more than what you know.  If you didn’t attend, you didn’t find out about our new “secret tactical weapon” that will not only potentially “shut down” any foreclosure case, but force investigations by state bar associations all across the country of the parties responsible for furthering the fraud brought upon the courts across America in 99.9% of these cases! 

Knowledge is power!

Remember the saying, “My people perish for lack of knowledge”

Don’t be one of those people.  “Study to show thyself approved!”

God’s Blessings to you all!

and THIRD: 

Nationstar Mortgage LLC has changed its name to “Mr. Cooper”:

 

Mr. Cooper?  Seriously?  This sounds like the pedophile down the street.  It’s a wonderful day in the neighborhood.

We are also learning that Select Portfolio Servicing has changed its name to “EXCELERAS”!   If you have received notice of this, please email it to me at cloudedtitles@gmail.com.

 

 

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Nothing has changed much in Washington State, post-Bain!

Op-Ed —

August 16, 2012 is a day that will go down in Washington State’s history when it comes to dealing with the issues created by the licensed lenders in that State who rely on MERS to cover up “dead spots” in the chain of title to properties.  I’m attaching the Supreme Court’s en banc ruling to refresh your memory and to fill in any gaps that might be missing in your thought process.

BAIN V METROPOLITAN MORTGAGE GROUP, INC. ET AL

Only a handful of states in the union agreed with the Washington Supreme Court’s decision insofar that MERS was NOT a real “beneficiary” because it didn’t loan any money and therefore, had no interest in the borrower’s promissory note.  In fact, during the oral arguments presented before the Supreme Court, counsel for Mortgage Electronic Registration Systems, Inc. (not “MERS”, which means MERSCORP Holdings, Inc.; I’ll explain in a moment) could NOT identify WHO owned Kristin Bain’s mortgage loan! That didn’t bode well before the justices, who were stunned at the lack of knowledge and almost sheer arrogance of MERSCORP’s counsel.

You see, what the Washington State Supreme Court justices were never presented with, and thus did not have in evidence to be able to make a determination of, is that the Rules enacted by the parent of Mortgage Electronic Registration Systems, Inc., MERSCORP Holdings, Inc. (then MERSCORP, Inc.), specifically note that under Rule 1 § 1, when the term “MERS” is used, it means the PARENT, NOT THE CHILD!  Mortgage Electronic Registration Systems, Inc. is THE CHILD. The lack of knowledge by the attorneys for the homeowners (for Bain and Selkowitz) and the deliberate omission of MERS’s own “rules” by its representative counsel should be cause for alarm in the way cases are being litigated all across the country!

THE PARENT AND THE CHILD ARE NOT THE SAME!

In fact, they are two distinctly separate Delaware corporations. This was a contrived scheme of mass proportions, created in favor of the banks, which caused tens of millions of fraudulent and misrepresentative documents to be recorded into the land records of all 3,041 counties, townships and boroughs in the United States, literally clouding titles to over 80-million properties!

Thus, when Mortgage Electronic Registration Systems, Inc. shows up in any legal proceeding, it’s the “empty shell” (a bankruptcy-remote entity with no assets or liabilities; no income or expenses; and no employees) that shows up in court … NOT THE PARENT!  MERSCORP is footing the legal costs in every proceeding (because it is a roughly $2.7-billion a year business model) that operates and argues on the flawed idea that the agent (nominee) and the beneficiary can be one in the same party.

The Tennessee Supreme Court completely gutted the MERS business model in the Ditto decision. MERS v DITTO_TN Supreme Court rules against MERS!  To NOT understand all of the basic tenets of real property and mortgage law could be fatal to you in your foreclosure case!

This is why I am hosting the Foreclosure Defense Workshop in Orlando on September 30-October 1, 2017.  (see below)

Part of the “good fight” in dealing in foreclosure actions is knowing the truth and how to find it (or go after a determination to get at it).  This is a lot of what we are teaching in the workshop, even if you’re going pro se!

You have little time to make reservations, because airfare is going up the closer you get to the date and the number of seats to the event has dramatically shrunk.  If you are even thinking of remotely preparing yourself to “fight the good fight”, you need to be at this event!  Since Hurricane Irma hit Florida and knocked out a lot of the internet connections, many Florida consumers won’t know about this event until this weekend and likely, there will be an onslaught of registrations at the last minute.

FDW ORLANDO REGISTRATION FORM

Meanwhile, back in Washington State … 

It appears that the regulatory agencies that govern the behavior of the banks aren’t falling all over themselves to stop the continual process of recording documents in the land records that makes use of MERS as a “beneficiary”, post-Bain.  Here is one such Consent Order, issued in 2017, that exemplifies my point (sent to me by one of the readers of this blog):

Planet Home Lending

The Consent Order appears to have noted that a violation of the Washington Consumer Protection Act [RCW 31.04.027(2) and (13)] occurred when Planet Home Lending, a lender licensed under Washington law to conduct business in the State, caused several Assignments of Deeds of Trust to be filed in counties all across Washington State, post-Bain, characterizing MERS “as the beneficiary when MERS did not hold the corresponding promissory note.”

While I was not provided with any specific Assignment to review, I would guess (and my guesses are usually pretty right on) that the Assignment was created by employees of the servicer of the loan. Recognizing this scenario is important for two key reasons:

  1. If a consumer is economically affected by the recording of one of these subject, suspect Assignments, the consumer would have to assert a specific violation of the foregoing state statutes; and
  2. If the Assignment of Deed of Trust used MERS to characterize the Assignor as a “beneficiary”, post-Bain, for the purposes of transferring any rights in the note to a REMIC, or even more importantly, to the servicer, who then commences a foreclosure action against the Property, then there may also be a violation of 15 U.S.C. §§ 1641(f) and (g), the Federal Consumer Protection Act.

Through the use of the federal citation, the case then becomes a federal issue, so one would have to get a competent attorney to sort through which would be more effective to prove (as a Plaintiff) against Planet Home Lending, the violation of the Washington Consumer Protection Act (which has a supporting Consent Order to apply to the case as evidence) or the Federal version of the same.

The problem is however, that the Consent Order implies that Planet Home Lending didn’t admit to guilt, even though the State found violations of the foregoing Act (under Agreement and Order Paragraph C). For all intents and purposes, the Order basically said, “Don’t do it again!” and by agreement, any further violations of the Order would be dealt with in the future (to what extent, we do not know).

Now, I can surmise that all of the litigious folk out there affected by the issuance of this Consent Order have realized that there is nothing stopping a consumer from bringing a private right of action against Planet Home Lending (or any other lender or servicer violating the Washington CPA). However, I caution those considering such to use due diligence in determining “damage”, whether actual, compensatory, exemplary or punitive.  Without some sort of financial loss, it may be more difficult to press forward with a CPA violation claim.

That being said, it appears that suit may be brought under the foregoing state statutes in lieu of any decision like Yvanova v New Century Mortgage Corp. et al (California) and Miller v. BAC Home Loans Servicing, LP, 726 F. 3d 717 – Court of Appeals, 5th Circuit 2013 – Google (Texas) that gives consumers the right to challenge the creation of (and subsequent recording of) a suspect document affecting chain of title in the land records of any county in Washington State.  This may also apply in other Consumer Protection Act-related statutes across the country, but it is likely that a consumer would have to conduct some pretty specific discovery (against the mortgage loan servicers’ employees and notaries) to see who ordered the creation of the document and who caused it to be manufactured, for what purpose and determine accountability.

It should also be noted that civil conspiracy is defined in virtually every state statute.  While this term does not in of itself, constitute a cause of action in the literal sense, the act of one or more actors getting together and conspiring to do a thing to scheme that adversely affects the economic or financial well-being of another would certainly be an issue to be considered.

In Florida, for example, Florida Criminal Code § 817.535 makes it a third-degree felony to record a document containing false and misrepresentative information with the intent to deprive another of their property.  While consumers cannot commence criminal proceedings directly, they can file a criminal complaint with the local sheriff’s department (the county land records are the sheriff’s jurisdiction) and pursue a criminal case that way, especially if discovery shows that a civil conspiracy to create the document indeed occurred. You should understand that (based on our past dealings with a certain sheriff’s department) detectives at the county level are either lazy, in defiance of or lack the knowledge to properly and fully investigate such matters, as evidenced by the Osceola County Sheriff’s Department, who could find no wrongdoing in the OSCEOLA COUNTY FORENSIC EXAMINATION.

The foregoing subject matter is only PART OF what we’re going to cover in the upcoming Foreclosure Defense Workshop.  Thus, the tools and weapons that pro se litigants and litigants being represented by counsel are being refined to be more effective and the means by which documents are challenged has also been refined (AND PROVEN) to work!  There are three specific things I’m going to be sharing at the workshop in this regard, in addition to the newly-developed tactics by Rich Kalinoski, the attorney lecturing to those attending this workshop.

Again, this is the ONLY workshop we’re doing in 2017.  We have not decided whether we’re going to do another workshop again. Rich is very busy implementing his new developments and for this reason, may stifle any efforts to conduct a workshop in the future.  Know this … legal tools will be available to all of those who attend!

In the meantime, keep researching and “fighting the good fight”.

Dave Krieger is the author of several books, including Clouded Titles, available on his website.  He consults attorneys in foreclosure matters and drafts pleadings and conducts research for attorneys and litigants. Mr. Krieger is Managing Member of DK Consultants LLC in San Antonio, Texas. 

 

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Dave Krieger Hosts City Spotlight Today! LIVE AT 2 PM!

BREAKING NEWS — 

Clouded Titles author Dave Krieger is the weekly show host of WKDW-FM’s “City Spotlight – Special Edition”, which customarily airs at 6:00 p.m. EDT on Friday.  Until the station fully upgrades its phone system, we will be presenting our broadcasts as pre-taped, with the exception of today.

Those of you in the WKDW-FM (97.5 mhz) listening area can hear the broadcast live at 2:00 p.m. EDT today.  We plan on having city and county officials on the program to update conditions in the area affected by Hurricane Irma and what is being done to bring everything back to normal.

The real treat for the regular Friday night listeners, is that we are going to “embellish” the live broadcast, which will be taped to run on the internet at kdwradio.com (if the internet is back up and running by then), is the broadcast done live today, with some additional audio clips you will find to be hilarious and quite “stinging”, given Florida Governor Rick Scott’s messages of “If you don’t leave, you will die!”

This Op-Ed and informational show will be most informative and also critical of the way the news media, the National Hurricane Center and the Governor’s Office portrayed the storm.  No holds barred.  We’re taking aim at price gouging, including the retail markup of generators, which weren’t available BEFORE the hurricane, but all of sudden, they seem to be everywhere, marked up from what they were in price before the storm.

Widespread panic created by manipulated and hours-old information cannot and should not be tolerated.  That is what we are dealing with here …

You have to ask yourself, can TV weathermen and cub news reporters be trusted?  Really?   Tune in and find out how scathing we can be in our critique of the way things were handled … gas lines … traffic snarls … mass evacuations … power outages … gas shortages … and those black helicopters that keep flying at low altitude over my house (I’m not kidding here) … who do they belong to?

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FIVE REASONS NOT TO AVOID SERVICE OF PROCESS!

(OP-ED) —

I just received an email from a homeowner which stated that he “refused” service of process.

I flew into a fit of rage.  It took me 10 minutes just to calm down before answering his actions.

By nature, we have a tendency to avoid conflict.  We don’t like confrontation.  A process server coming to your door, at any hour of the day or night, means that a confrontation is about to occur which is at best unsettling, causing conflict in your life.  In the case of a married couple, you can expect that once a process server delivers their spate of bad news, you can bet that there will be immediate strife in the household.  Tempers flare.  Blood pressure goes up. Insomnia due to worry sets in.  For all practical purposes, emotion rules.  Common sense goes right out the window.  So, naturally, our tendency is to avoid service.  I believe this is wrong (and so do many attorneys I’ve talked to).  So I’ve put together a list of 5 brief reasons why NOT to avoid (or in the alternative) refuse service of process.

REASON #1: You won’t know who your enemies are! 

You’ve heard the old saying, “Keep your friends close and your enemies closer.”  This saying came about for a reason, especially in the legal profession.

When you don’t understand WHO is coming after you, you won’t know how to establish an “End Game Strategy” to beat down the action being taken against you.

REASON #2: You won’t know why your enemies (whoever they may be) are coming after you! 

If homeowners (as Borrowers on a Note) haven’t been able to make their mortgage payments, chances are likely they’ll figure out why a process server is attempting service of process … because the bank (or servicer) wants their money and they are tired of waiting.  On occasion, a servicer will send out notices (in the form of door hangers) through their local contacts, tipping off homeowners that service of process for a lawsuit (or non-judicial foreclosure sale) is likely imminent.  If you have more than one property, you definitely won’t know which property is being affected because you’re “not in the loop”.

REASON #3: You won’t have a legal “foot in the door!” 

One of the first ways foreclosure defense attorneys can defeat a case is to make the other side do its job properly. On many an occasion, a servicer has hired a process server to serve process and it was done improperly for whatever reason (tacking a note up on the door, which later blew away; false attestation, etc.) and thus, attacking service of process is the first line of defense in making the entire foreclosure process have to be refiled again.  Homeowners (as Borrowers) do not understand this principle because they’d rather “play ostrich” and stick their heads in the sand.  Remember, avoid conflict at all costs, unless it proves to be fatal.  In many states, refusing service when confronted can also mean service was accepted.  Judges don’t like it when the party being served deliberately says “NO” to process, because it’s their right to know what they’re being accused of doing (or not doing).  Judges have also been told to clear their dockets of issues like this, which is a precursor to a default judgment being issued against you.  It’s one thing NOT to be home when the process server calls, it’s quite another to refuse service when it could be something financially critical to your future well-being (and that of your family).

REASON #4: You have no idea how to strategize a defense to the service, let alone anything else! 

Many foreclosure defense attorneys understand that attacking improper service of process only frustrates the foreclosure process and doesn’t stop it altogether.  However, understand that if the other side is going to bring a claim against you, don’t you think they need to follow the letter of the law?  After all, this likely involves dispossessing you of your property and if they don’t do something as simple as to properly serve you with the paperwork, how do you know if everything else they’ve done is right too?

REASON #5: Time is of the essence! 

No matter what the outcome of service, time is working against you the longer you wait to accept service.  I’ve known at least one person that has deliberately made himself scarce when he knows a process server is attempting to serve him with papers.  He thinks that by avoiding service, he’s going to be able to delay his day in court.  Unfortunately, after a time of trying to serve a party at their residence, the process server will contact the attorney handling the opposition’s case and make mention of the facts (that you’re either avoiding or refusing service) at hand and the attorney may then request from the judge to allow for substituted service (meaning someone else close to you can be served in your stead), which makes you an open target for service at your place of employment or through a relative who lives nearest to you.

Once service has been completed, you have a timetable in place.  In judicial states (mortgage states) you have 20 to 30 days to respond to the complaint. If you don’t, a default judgment can be entered against you and the foreclosure will be commenced against the property without your knowledge and probably at a time most inconvenient to you (or your loved ones).  The last thing I’d want to see is someone being kicked to the curb.  See below (from the film 99 Homes): 

The setting of a timetable forces you to have to act to stop whatever is coming after you.  For the average homeowner, this means spending money you don’t have hiring an attorney to draft and file and answer to the Complaint.  The average homeowner should also understand that many attorneys aren’t real well versed in foreclosure defense and are likely to admit to things that they don’t understand.  Even worse, should a pro se homeowner proceed without at least some assistance of counsel, they are likely to screw themselves out of their home permanently, while putting their spouse or family at equal risk.

This is one of the reasons why we set up the FORECLOSURE DEFENSE WORKSHOP! 

If you don’t know your rights, you don’t have any!

Here is an opportunity to learn from one of the best foreclosure defense attorneys in Florida!  (see below)


Here … you have an opportunity to learn to fight back!

Download the Workshop application here: FDW ORLANDO REGISTRATION FORM

Yes, DK Consultants LLC is sponsoring this event.  This is the only event in 2017 and the ONLY event custom tailored to pro se litigants!

This means, you’re going to get educational information that is vital to saving your home … not just some sort of “delay game” strategy used by most Florida foreclosure defense attorneys!

ENROLL NOW!  SEATING IS LIMITED!

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DOUBTING THOMASES

Op-Ed Post —

OSCEOLA COUNTY FORENSIC EXAMINATION

Of late, this blog and its author have been scrutinized and belittled to the point of frustration, based on the spate of comments received by some not-so-well-meaning bloggers.  Apparently, there are still some out there that believe everything they read in the newspaper or watch on TV regarding the handling of the investigation into this Report and they continue to send me disparaging comments about the invalidity of the investigation.  Well … despite the Doubting Thomases, I’m not going away.

To dispel some of the gossip and hearsay regarding the investigation of this Report, this Author would posit the following:

(01) Then-Florida 9th Circuit States’ Attorney Jeff Ashton wouldn’t touch the report with a ten-foot pole because he regarded it as a political hot potato.  As it turns out, he would rather play on AshleyMadison.com and cheat on his wife on company time and later attribute it as an “error in judgment”.  Ashton’s own investigator, Eric Edwards, told this author in a phone conversation that if he had the budget, he would investigate the details of the Report because he read through the first few pages and thought the Report had merit.  The investigator himself told this author even he (Edwards) was having issues with his mortgage and suspected something was wrong.

(02) U.S. Congressman Alan Grayson always has, and still does, support this report … and he is an attorney who OWNS a hedge fund.  He saw the corrupt patterns outlined in the Report. He has read the entire Report, with exhibits, from start to finish, and was convinced that it was factual in detail.  Grayson accompanied Armando Ramirez, the Circuit Clerk of Osceola County to the meeting with Jeff Ashton, who was quick to suggest that the chain of command be followed and turned the matter over to the Osceola County Sheriff to investigate. “Fox guarding the hen house.” “Kick the can down the road.”  We have no idea what instructions accompanied the shipment of the Report to the Osceola County Sheriff’s Department.

(03) During the pending Osceola County Sheriff’s investigation of the Report, two of the detectives met with this author, California Attorney Al West (who was also present during the investigation and supervised much of it) and Osecola County Forensic Auditor Hector Acosta (who ran point on the set-up of the examination). The date was February 9, 2015.  Within about ten minutes of the meeting, things got ugly and turned into a heated conversation, wherein the County Attorney (whose law firm represents noted insurance companies) got into the act, advising this author that, by law, he had to divulge the names and whereabouts of all the examiners, something this author refused to do.  Hector Acosta’s step son was tasered on his own front lawn at 3:45 a.m. after arriving home (sober and drug-free) with a relative, as he was going to bed, in what Acosta and this author think was retaliation for furthering the promotion of the Report as well as support for the local homeowners’ justice group.

(04) There was an attorney present during the investigation by examiners and an attorney opinion letter accompanied the forensic examination.  Both the Orlando Sentinel and WFTV Channel 9 overlooked that fact. Matt Weidner was all too quick to condemn the Report, not knowing that two attorneys had a hand in its preparation and final opinion and that it was not this author himself, attesting to the contents of the Report.

(05) Sentinel reporter Henry Pierson Curtis was quick to report that  the Osceola Clerk hired the author and his team without putting the examination out for bids. Had Mr. Curtis checked his facts, he would have found out that the Level 3 Threshold for retention of contractors was permitted so long as the payment was under $35,000.  Besides, who else is going to conduct as extensive a forensic examination of those records, John Wright or Steve Dibert?   Matt Weidner?   How many other firms have the background to analyze fraudulent documents?   If you want to use the phrase “it takes one to know one”, then I guess that makes me qualified, because I lived through mail fraud issues.  I know what the Tampa FBI refused to investigate and I hold them accountable.

(06) For what it’s worth, as if it’s any of anyone’s business, that isn’t what I was convicted of.  Curtis got that wrong too … and through regurgitation … Wright and Dibert did too.  What does that say for their “credibility”?   4ClosureFraud jumped on the bandwagon too, but later retracted its article after readers openly criticized the blog for regurgitating the smear campaign. Still, Wright and Dibert took the “cheap shot” way out and decided to further “make stuff up of their own”, like stating that this Author was convicted of mortgage fraud.  They are worse than Henry Pierson Curtis because of their inept modus of sensationalism.  Who are they working for, the banks?

(07) Curtis reported the author was 62.  At the time the story was released. WRONG!  This author was 61.

(08) Curtis reported the author was charged with conspiracy to defraud the United States and six lesser felony charges including three counts of fraud and three counts of swindling.  WRONG!  The author thinks he knows what he was charged with and what he plead guilty to.  None of these allegations Curtis caused to be printed in the Smutinel were factual.  Besides, people who commit any kind of major crime get to do the time.  Three years probation and a $1,000 fine doesn’t say much for the word, “heinous”.  That’s what you get for sending certified letters in the mail, based on the belief of an organization that didn’t disclose they were being investigated by the FBI at the time they sold the author a packet of money orders, which they claimed were legit.

(09) What the media did not report, is that this Author filed a fraudulent concealment action in Tyler, Texas against the Family Farm Preservation and its conspirators for failing to disclose to him they were being investigated by the feds for contriving a scheme to pay off debts using phony money orders according to the UCC.  Everything looks legal, until it isn’t.  You would have to know what my state of mind was at the time, which you didn’t.  So you do NOT have all the details.

(10) In addition, Curtis made sure to report every single aspect of this author’s life, so his pack of lies would be splashed out over Google to anyone typing in any meta words relating to any of the connected material.  What an ingenious way to smear someone.  Knock out their whole way of making a living. But, remember, this is the kind of person Curtis is.  It appears there are others out there that have the means to report what’s right … and don’t.

(11) Curtis reported that the examination was conducted in the Osceola County Courthouse.  WRONG!  The examination was conducted in the conference room at the Ramada Inn in Kissimmee, in an offsite location, with wi-fi and internal access to courthouse records provided by the Clerk’s IT Department.  But, like the rest of his story, Curtis didn’t care whether he got his facts straight or not about something that happened to this author over 20 years ago.  Curtis just wanted fodder to bolster his campaign against the Clerk, no matter what kind of misrepresentations were necessary.  But yet, many of you believed everything that MFI-Miami trash-talked on its blog, followed by piggybankblog, which was nothing more than a regurgitation by a reporter for a major market newspaper that likes to make up news rather than report news.  This shows the level that some people will stoop to in an attempt to make themselves look wonderful in an effort to promote their own ambitions.  This author likens Curtis to the robosigners that help make up documents out of thin air to steal houses.  I frankly don’t care what the media thinks about this.  We’re not finished here yet.

(12) Enter Jorge Esteves and Orlando’s Channel 9 … once the station got a copy of the Report, it proceeded to regurgitate what the Orlando Sentinel reported without checking the facts of the case, plus added some misstatements of its own.  One of the worst things a media outlet can do, having been a former radio journalist, is to air material without first vetting its content. Channel 9 was quick to state it was going to attempt to get Florida Attorney General Pam Bondi to investigate the Report, to no avail.  Pam Bondi will not investigate her own constituents who happen to be banks or servicers, who contribute to her political campaigns!

(13) The Forensic Examination was delivered in two volumes. The first volume contained 4 sections, totaling 362 pages.  The second volume contained 3 sections, totaling 412 pages, including the attorney opinion letter.  That’s a total of 774 pages, not counting the Introduction and Table Of Contents.  Channel 9 looked at the back page of the report and declared there were 412 pages total in it, without even looking through the Report. WRONG! Had Esteves (and Weidner) actually read the Report, they would have seen there were two volumes totaling over 774 pages.  Maybe they would have actually investigated some of the documents and found they were actually recorded in Osceola County’s land records!

(14) Mr. Weidner has an ego and a reputation to protect.  Unlike other attorneys who have been contacting this Author (and retaining him on certain cases to assist them in putting a case together), Weidner was quick to get on television in Orlando and smear the Report, declaring, “it’s not worth the paper it’s printed on.”   How would he know?  He didn’t even read the Report.  He was seen on camera thumbing through the first few pages before making his comments.  He didn’t even read the attorney opinion letter at the end of the two-volume Report. If he did, he sure didn’t say anything about it because Esteves was out to make him shine on camera. Remember? Ego.

(15) The attorney whose Opinion Letter was included at the end of the second volume of the Report, Jennifer Englert with the Orlando Law Group, had a TV commercial for her law firm running on Channel 9, which aired five minutes before the station ran the Weidner interview.  When contacted about the lambasting of the Report (including her Opinion Letter), the attorney demanded equal time on the station, which downplayed her involvement.  It is no secret that Channel 9 and its news producers have a hard-on for the Osceola County Clerk and like Curtis, will do everything they can to turn anything positive the Clerk does, into something negative, for the sake of creating news instead of reporting it like most responsible journalists.  But remember, the whole pack of sensationalists are irresponsible and self-serving.  Unlike most affected and distressed homeowners, they don’t want to know what really happened to them involving foreclosure fraud. They don’t care about the politics of it all as much as the banks, the media and the judges who throw homeowners out of their houses do.

(16) Ashton, as well as the Sheriff, could not find any “victims”, even though the entire Report showed 17 cases of suspect documents filed in the the land records of Osceola County, Florida alone.  The witnesses names in the Report were kept as WITNESS A through WITNESS F f0r a reason.  It seems that Jack Wright, Janet Reiner and Steve Dibert overlooked the fact that hundreds of homeowners who were included in this Report were victimized because they lost their homes to REMICs and their law firms who had to retain servicers to make up documents to create standing.  Let’s face it, misery loves company and these folks don’t care who gets trashed because this is what they think they need to do to be popular with other disgruntled homeowners. “Let him who sinneth not cast the first stone.”   BTW, Witness A and Witnesses E & F were attorneys with inside information key to their respective investigations which affected certain statements made in the Forensic Examination. Witness B gave me taped statements as to the inside scam to re-create mortgage notes from scratch to create standing to steal homes. Ocwen was at the center of that controversy.  What its staff did in West Palm Beach, Florida was unforgivable.

(17) Even attorney Lynn Szymoniak, who appeared on the 60 Minutes presentation on April 3, 2011, “The Next Housing Shock”, stated, “It doesn’t matter what he did 20 years ago. What matters is what he’s doing now.”  (referring to this author)   Apparently, many of you out there think I should just quit while I’m ahead and drop off the face of the earth. You are dreaming.  Sorry, the system is rigged and judges have been told that they need to drag out your case as long as possible until you give up and walk away. I know that.  The attorneys I work with know that.  So, it becomes a test of time, money, patience and your willingness to bring forth the truth, not just mine.

(18) Since the release of the Report, Texas-based DK Consultants LLC, has been retained by multiple law firms to do chain of title and pre-trial research and to assist in consulting on cases all over the U.S.  This Author still continues to lecture around the country and in online webinars and has been listed as an expert witness in pre-trial statements.

(19) The Osceola County Sheriff released a one-page press release that said little if anything as to the sums spent investigating.  This is only one of the reasons then-Sheriff Bob Hansell did not run for re-election again. This Author offered to provide them with the names and contact information of the “witnesses” in the Report; however, the detectives weren’t really interested.   All the better.  The witnesses were listed anonymously because if their true identifies were revealed, they’d be dead.  I want them alive enough to testify before the grand jury. Two of them have inside information that could send bankers and attorneys to prison for a good long time.  It’s obvious that the sensationalists would rather not see that happen.

(20) If the law enforcement agencies wanted the Witness information, all they had to do was ask.  But, that was not their intention.  This author believes they were told to shit-can this investigation and blackball anyone involved with it, because a minimum of 4o0 people were facing jail time and Osceola County could be liable into the hundreds of millions of dollars for wrongful evictions based on fraudulent documents relied upon by foreclosure mill law firms doing the prosecuting of the foreclosure actions.  I believe this was at the directive of the attorney who was representing the County at the meeting February 9, 2015.  I wonder what the Osceola County Risk Manager would say to all of this?

(21) The fact patterns emerged during information gathering for the Report, using the search tools, MERS, HSBC, U.S. Bank, Bank of New York Mellon, as well as the other major banks who made trillions securitizing mortgage paper.  After about 90 days of alleged delinquency, the Assignments of Mortgage containing the manufactured, suspect information, would surface and be recognized by the forensic team as suspect.  One homeowner’s assignment was found to have been recorded six months AFTER the bank foreclosed on and sold her house!  You think that’s a lie?  Go look up the Ibanez case in Massachusetts.

(22) The newly-elected 9th Circuit States’ Attorney, Aramis Ayala, has been under fire since taking over for Ashton.  She is aware of the Report.  As I said previously, this isn’t over yet.  Those of you doubting Thomases that think the Report is invalid have not heard all of the facts in evidence.  The documents discussed in the Report are valid and they were used to steal peoples’ homes.  The major banks are involved, but not to the extent you think. It’s mostly the servicers and third-party document mills. The people who lost their homes, regardless of what the Sheriff says, are victims.  More than likely, I will write a detailed book about all of this, including all of the inside dirt we uncovered in the investigation that DIDN’T MAKE THE REPORT because it would have gotten us all killed!  There is at least one major bank whose 18 employees would face DOJ prosecution thanks to the contents of this Report … that is … if they’d just look at it!   I may not be an angel, but like Frank William Abagnale, Jr., I think I’ve well made up for my indiscretions. You can make up all the news you want, but if you can’t face fact, you lose!

So … if any of you are going to send me links to the sensationalists’ trash-talking blogs in denial of the real truth, go f**k yourself!  You wouldn’t know the truth if it bit you in the ass!  You should hope these sensationalist, mindless f**ks don’t print something nasty about you and your dilemma … or your past … in the future.  Do your research and discover the pertinent truth for yourself.  I played in the Patriot Movement and paid the price.  I paid my debt to society and I owe you nothing but praise and gratitude for “fighting the good fight”. Hope and pray that justice comes swiftly to those who deserve it, and condemnation, to those who don’t.

NOTE: Anyone wishing to take up the issue with this Author personally can email the author at his business email at cloudedtitles@gmail.com because no one’s comments are going to be allowed to be posted on this blog regarding this article!

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