Tag Archives: Advances

INTENDED USE OF PSYOPS ON AMERICA

(OP-ED) –The author of this post continues to do research into the “corona-crisis” and its resulting effects on the American population, including but not limited to, foreclosures and the next round of the nation’s massive land grab by the mortgage loan servicing industry.  Rather than concluding that any of this is legal advice, do your own research and validate “the truth” for yourselves. The next round of foreclosures is coming soon, so ’tis time to stop “drinking the Kool-Aid” and start thinking for yourselves. This article focuses on the intended use of “fear factor” psychological operations-type “conditioning” on the American public by high-ranking officials in our own government. 

FEAR FACTOR CONDITIONING THROUGH INTENDED PSYOPS (pronounced SIGH-opps)

You should understand that President Trump may have been getting bad “public health” recommendations from the hierarchy in the Centers for Disease Control (the “CDC”), Dr. Anthony Fauci and the National Institutes of Health (the “NIH”).  What has happened since the beginning of 2020 is what I call “the perfect storm” to intentionally increase public dependence on the government, especially through media regurgitation of contradictory information.  Forget about the “Q”, conspiracy theories or anything else that has led you to change what you consider “the new normal” (new norm). My research is indicating that the data involving the number of cases and deaths involving coronavirus, specifically COVID-19, are being manipulated to achieve a “desired result”.  Whatever the case, “psyops” is something you normally use on an “enemy” you are attempting to win a waging war with to mess with the enemy’s head.

The manipulation of data can occur for many reasons, the likes of which cannot be scientifically verified because the powers that be don’t want it to be verified:

  1. Altering data to show increased caseloads to make a public health emergency “necessary”.
  2. Altering data to show a “flattening of the curve” in order to facilitate a false sense of security.
  3. Altering data to show deaths occurring from COVID-19 when scientific research data may support a different conclusion.
  4. Altering data to suggest that a situation is getting worse in order to support a proposed “miracle cure” vaccine that should be taken at the risk of the public.
  5. Altering data to support a suggestion that we should “distance” ourselves from each other as a form of social conditioning.
  6. Altering data to support continued “fear factor” behaviors in American society.
  7. Altering data to support further economic damage to America to further political objectives.
  8. Altering data to support reasoning for world-based “agendas”.

LEAVING PEOPLE “IN THE DARK” IS ALSO A FORM OF PSYOPS

It has been said that when people don’t know the real truth about a situation, they cannot make an informed decision about that situation.  Does that sound about right to you?

What would happen if you were constantly fed disinformation or misinformation (including but not limited to contradictory information) for the intended purposes of furthering an intended consequence?  In other words, can the government hierarchy, especially those in the medical community, scare you into submission and make you do things you wouldn’t normally do under normal circumstances to further its own objectives?  Ponder that one when you vote this November, if America’s elections can be conducted constitutionally and not manipulated by those whose intentions is to further “condition” you into putting all of your faith and trust in a government that has continuously “failed” you at every turn.

If you are given false or contradictory information, you tend to not only make uninformed decisions, you tend to make decisions that support an intended government consequence/solution.

For example, let’s talk about wearing masks.  

The Centers for Disease Control started out by stating that you should only wear a mask if you’re sick or you feel you may have flu symptoms.  In fact, the scenario has been manipulated so much so, that the hierarchy in the medical community has made wearing masks fashionable.

In fact, the merchants of the earth, along with everyone who has access to a sewing machine, is profiting in some way making impractical cloth masks because the number of “real masks”, which should only be afforded to medical emergency personnel, is lacking and will continue to be lacking because of the “public panic” that has been created, especially among those 65 and older who are going to spend the rest of their natural lives “afraid” because they’ve been conditioned since World War II to always trust the government in all things.  However, they’ll bitch like crazy when Congress threatens to “f**k with their social security payments. The elderly, especially those living on fixed incomes, are the first to be swayed by psyops conditioning.

So, if the CDC says that wearing a mask does what the above picture shows, which came from the CDC’s own website (just so you don’t think I’m making this stuff up), then you should think about the intended consequence of altering what was “normal” before the corona-crisis hit and WHY the sudden shift in thinking.  Wearing masks over a long period of time causes hypoxia. THAT is also a known fact, yet people are wearing masks while they’re driving and getting in accidents because they’re passing out at the wheel due to lack of oxygen in a closed space.  The stupidity of some will inevitably harm others and there’s no accounting for everyone’s smarts in today’s gene pool.

Now we focus on the “contradictory information” about mask wearing, especially the information coming out of the well-funded (including Bill Gates) World Health Organization, whose knowledge of the spread of the coronavirus was known well ahead of its landing on American shores. To find out what the World Health Organization’s “take” is on wearing masks, CLICK HERE!

For those of you who don’t want to watch the short video, here is what WHO is recommending regarding masks:

  1. Before putting on a mask, clean hands with alcohol-based hand rub or soap and water.
  2. Cover mouth and nose with mask and make sure there are no gaps between your face and the mask.
  3. Avoid touching the mask while using it; if you do, clean your hands with alcohol-based hand rub or soap and water.
  4. Replace the mask with a new one as soon as it is damp and do not re-use single-use masks.
  5. To remove the mask: remove it from behind (do not touch the front of mask); discard immediately in a closed bin; clean hands with alcohol-based hand rub or soap and water.
  6. If you are healthy, you only need to wear a mask if you are taking care of a person with COVID-19.
  7. Wear a mask if you are coughing or sneezing.
  8. Masks are effective only when used in combination with frequent hand-cleaning with alcohol-based hand rub or soap and water.
  9. If you wear a mask, then you must know how to use it and dispose of it properly.

Understand what you just read … especially Item #6, which I highlighted (in pertinent part) for you.  Do you notice that WHO’s guidelines say nothing about wearing masks in public places or wearing masks if you’re healthy?  Why is WHO putting out information contradictory to what the CDC wants for all good-little “follower” Americans who want to be fashion-conscious?  Frankly, in my world, where I put truth above all things, my “Bullshit Meter” meter is peaking at 105%!  The reason that people continue to wear masks is because of psyops conditioning vis a vis the media, which is spoonfed by the government’s medical community that are supposed to be in positions of trust; however, with the contradictions here (in getting the story uniform), I begin to wonder who’s telling the truth and who isn’t, versus wearing masks in public by people who are genuinely insecure.  These same insecure people are also quick to point a finger and scold people who aren’t wearing masks because they’re insecure, even if the people they’re scolding are perfectly healthy.  For the most part, those who are sick and who risk exacerbating their already-existent health issues, need to stay home and let someone else do their errands.  They do NOT need to be roaming around in public wearing masks if they’re that afraid they’re going to catch something.  If COVID-19 doesn’t get ’em, the regular flu just might.

Who are we to believe?  

We have state governors that continue to make decisions for their citizens based on “suggested” recommendations from the medical hierarchy, with no scientific basis in fact.  Even Fauci himself claims that a vaccine to stop the spread of coronaviruses may be years away.  So … if all of a sudden … a vaccine appears and the CDC says “this is the one to take”, how many Americans are going to fall for that assertion?  It is a certainty … YOU HAVE NO IDEA WHAT IS IN THAT VACCINE!  Yet … based on the claims made by Fauci and the CDC, you’re going to let them inject some supposedly unapproved trial drug into your system?  And at what risk?  Fauci already admitted to the Senate that there may be negative side effects (including death).

Can someone please allow common sense back into their thinking?

Now ask yourself … do you normally go out into public places when you’re sick (fever, cough, chills, dizziness, body aches, etc.) … or do you stay home and nurse yourself back to health?  Yeah, I know. There are people who are sick and go out in public anyway.  Unfortunately, in every society of right-thinking people, you’re always going to have those who just don’t give a shit about their fellow man and are of the belief system that they have the right to go anywhere they want and do anything they want, no matter the consequence (i.e., Spring Breakers). Did you ever stop to think that the spread of coronavirus through Spring Breakers was put to good use as an excuse for closing all the beaches, where scientific evidence has proven that sun exposure increases Vitamin D production in the body and the exposure to sand and salt water increases exposure to microbes designed to help boost the body’s immune system?  Of course, THAT scientific evidence wasn’t considered when all of the beaches were closed, right?  There has to be a way to “influence” people to make them think that going to the beach could be hazardous to their health, right?  What a better way than to make certain “shows” of “poster children” like Ireland Tate (and the kid whose father rejected him when he went home to New York and told him to go away) to influence closing beaches with no scientific basis in fact.  If people are going to get sick, they’re going to get sick, no matter what they do or where they go.  Second wave or no second wave, America has been crippled financially … and this is one of the effects of biological warfare as an intended consequence on America.  False flag attacks have killed Americans before and it is expected that this could be lumped into that same category as 9-11.  The problem is … since we know the NIH funded the Wuhan lab’s research in part … the U.S. government is partially responsible for this biological attack on its citizens … and I hear no one screaming at their Congressperson about holding hearings and getting to the truth of the matter.

EVERYONE WANTS TO BLAME SOMEONE FOR THIS “PANDEMIC”

Now understand the “appearance” of what cause and effect behaviors occurred within the American population based on “suggested” recommendations from the aforementioned parties. For starters, Americans like to play “the blame game”.  Go to Facebook and read the posts.  The “blame” is there.  It’s all Trump’s fault.  It’s all Pelosi’s fault.  It’s all some bureaucrat’s fault.  It’s all the bank’s fault.  It’s all the government’s fault. It’s all the Democrats’ fault.  It’s all the Republicans’ fault.  But … it’s never YOUR fault, right?  It’s just your misconception of something based on someone else’s political agenda that’s been drummed into your head.  However, much of what I see, even among family members … is we’re blaming each other based on our own insecurity!  Weren’t we “secure” before this whole crisis started?  Then what changed?  **your mindset**

In fact, if you look at the statistical data we actually do have available that might be plausible (even if it was manipulated), was the “pandemic” a “false flag attack” on America just to influence a political election cycle?  America has a population of 322-million people.  Of those, .005 percent were reportedly “infected” with the coronavirus and the mortality rate was only .06 percent of those infected. The rest are assumed to have recovered from it based on their body’s immune system’s ability to fight it.  Otherwise, why is the government wanting everyone who recovered to donate plasma so they can create a vaccine from it?

The governments, both state and federal, will obviously take issue with me saying that the “pandemic” was an intentional means of psyops in order to influence the upcoming 2020 elections; however, I base my statement on claims Fauci made that the Trump Administration was going to experience a pandemic during his first term in office.  Could this mean that President Trump might not be re-elected because he relied on false data provided to him by his own advisers in setting forth a plan of action?  Could it be that President Trump was purposefully given false information and misled by his own advisers, who make up some sort of Deep State ideology to sway America into their “vaccination” agenda, so we can chip everyone?  No … I do not believe Trump is the Anti-Christ so you can “get off that wagon”.  Trump is a CEO.  He’s a businessman.  Politicians don’t like him because he’s NOT one of them (liars, cheats and thieves).  Every President since John Kennedy has been accused of groping someone or making unwanted advances.  This is nothing new in American politics and that won’t change now … so don’t expect it to.

For those of you who did not have a chance to watch the video with Dr. Judy Mikovits, you can watch it HERE!  Someone has to make sense of the science … yet no one seems to want to (or has the ability to) read between the lines … so the psyops must be working!

WE HAVE TO “SCARE” AMERICANS INTO OUR WAY OF THINKING! 

Over 30-million Americans have lost their paychecks completely.  Compound that with the uncertainty of potential medical catastrophe and you have a great blend of scenarios for creating a “nanny state” because most Americans believe everything their government tells them.  Again, I go back to the announcement that Bruce Springsteen made to a concert venue full of spectators, “Blind faith in your leaders will get you killed!”

Remember “Scarecrow” from the movie The Wizard of Oz”?   “If I only had a brain.”  

Apparently, the hierarchy in the medical community thinks most Americans will believe anything they suggest.  Here’s an optional thought … what are your chances of death if you jump off the observation deck of the Empire State Building?  Would your death be quick … or would it be slow and painful?  Remember, it isn’t the fall that kills you … it’s the sudden stop at the end!  Like lemmings running off a cliff into the sea and drowning.  They have to be scared into doing it, right?   If you want to steer Americans into believing a certain way, create a scenario that influences their way of thinking. Then come up with a solution (or a patsy).

I point to what happened during 9-11.  Remember all of the Americans that wanted to go over to Iraq and blow Saddam Hussein’s f**king head off?  How f**king Patriotic is that?  And we call them “heroes”.  Were they misled too?  Where were the weapons of mass destruction?  Did we find any?  Did we “plant” some so we can say we found them?  I’m not being disrespectful to those who served because I served during Nam.  I’m trying to get the logical part of your brain into right thinking again because we’re being conditioned to be “followers” because of the pandemic that might not have been what they said it was.

Remember, 100,000 Americans would not be dead if we were told the truth in a timely manner.  We wouldn’t be blaming everybody and his brother for not acting fast enough.  And now we’re letting those same hierarchies tell us what to do and create new “norms” for us … and blame each other for our own insecurities in the process.  Seriously?

If you haven’t figured it out yet … MIT scientist Lydia Bourouiba’s video imaging studies revealed that the two main components of a sneeze show a shower of larger droplets can extend up to two meters from the person sneezing and a cloud, made of a mixture of smaller droplets suspended in moist, warm gas, which  contain pathogen-bearing droplets, can be suspended in the air for not just seconds, but minutes … and can travel up to 27 feet.  So cut the 6-foot social distancing crap and wear a f**king mask if you’re coughing or sneezing … or stay the f**k home … and quit bitching at everyone else for your own insecurity. Remember who “conditioned” you to behave that way!

THE FINANCIAL DISRUPTION IN THE MORTGAGE MARKETS

You knew I’d get to this part at some point, right?  People want to know about foreclosures and what the federal and state governments are going to do to stem the tide of foreclosures as the result of people not making their mortgage payments because they’ve been furloughed or terminated because of conditions beyond “their” control.

I would ask that you take a few minutes and observe my second YouTube posting Foreclosure Defense in the midst of the corona-crisis, Part 2, for an explanation of what to expect from the mortgage loan servicers when the moratoriums are lifted and what you should be considering now, while you still have the opportunity to make rational decisions based on facts and not suppositions.

At some point in the near future, I’m going to be doing an online webinar on foreclosure defense, since none of you want to hang out with me in a hotel … I’m thinking here because you’ve assumed that you’re going to catch the COVID if you travel, despite what the airlines and the travel industry are telling you as to how safe it is to travel now.  Thus, rather than take up your whole time throughout an entire weekend, I’m going to offer a 4-hour online webinar that you can subscribe to and watch at any time you have an opportunity … priced at a discount, rather than making you pay the usual fees, plus travel expenses, for attending a workshop in a live setting and being apprehensive the entire time you’re there (in other words, I don’t want to have to educate a bunch of mask-wearing followers … you have to be able to “think outside the box” to survive what’s coming).

In the webinar, I’m planning on covering the following, from a paralegal aspect of Foreclosure Defense, considering I’m NOT an attorney but I have every bit of capability to do intake and evaluate your options “out loud”, without giving you legal advice:

  1. Pre-foreclosure options … know what “they” are going to offer and plan for it.
  2. Taking notice of what’s coming (and what to expect in both judicial and non-judicial forums).
  3. False assumptions appearing real … don’t expect a positive outcome unless you work towards achieving it.
  4. Determining responses and response times (default judgments will kill your opportunities because you’re in a state of denial).
  5. How paralegals evaluate what to write in the way of responses based on judicial foreclosures.
  6. How paralegals determine what potential causes of action are necessary in non-judicial foreclosures “to head ’em off at the pass”.
  7. Writing effective responses (from a paralegal’s perspective on what and how to write responses … we’ll be spending a lot of time on this section).
  8. The forums have shifted … judges entertaining motions in a live setting versus Zoom®.
  9. Options for a “good offense” versus always playing the victim.
  10. Evaluating chain of title for defects related to foreclosures.
  11. Case reviews of what has worked and what probably won’t work.
  12. Preparing for oral arguments … because the opportunity may come.
  13. Making use of witnesses and expert witnesses (in depositions and at trial).
  14. Making use of discovery in both judicial and non-judicial settings.
  15. Plan to fail … and you will fail: Discussions centering on PLAN B.
  16. Additional research tips to help formulate your “plan of attack”.

In this webinar, you get to ask questions online.  And there’s no such thing as a “stupid question” … only the response matters.  What we won’t be doing is discussing YOUR specific case because the variables may be different from others’ cases and we want to focus our attention generally on what matters most.

As an extra added bonus, I may have a guest attorney, an expert witness or other legal professional appear with me on the webinar, so you’ll be getting some pure, legal acumen in addition to how paralegals deal with foreclosure defense cases.  Remember, the best defense is a good offense.

We will also have hand-outs for you as part of the online class, which we will send in .pdf format to your email address you used to subscribe to the class with.

If you don’t know your rights … you don’t have any.

2 Comments

Filed under OP-ED, Securitization Issues

THE C&E, ASSIGNMENTS … AND YOUR RIGHT TO CHALLENGE THEM (PART 1) …

(OP-ED) — The author of this post is a consultant to attorneys on quiet title and cancellation and expungement actions and thus, not an attorney who can give legal advice.  This overview, with its suggestive commentary, is for your educational entertainment only. 

Scenario … “The Set-Up”

You want to buy a home.  You don’t have much money, but credit is plentiful, as long as you can “fog up a mirror”.  You’re the “party of the first part” because you’re willing to take a gamble that if you can get a loan, you’ll be able to pay it back, with interest.

However, you’re not “Party A” (the party of the second part).  Party A” is a corresponding lender. That means it’s highly likely your loan is going to be securitized, which means it’s going to be put into the MERS® System, which is now owned by the same company that owns the New York Stock Exchange.

But of course, you’re ignorant of all of the shenanigans going on behind the scenes because you just want the keys to the house.

Meet “Party B” … not Cardi B; Cardi B has lots of money and she can probably pay cash for a house).

Party B is more than likely the sponsor-seller (the interim funding lender in the deal).  Party B figured out how to make a puttload of money doing securitization, so Party B hooked up with some attorneys who all engaged in “pure intellectual masturbation” together to create a “sales pitch”, known to investors as a 424(b)(5) Prospectus.  This document was drafted and signed under penalty of perjury under the Sarbanes-Oxley Act.  But that wouldn’t really matter to you, because you just wanted the keys to the house, right?

Meet “Party C” … the Depositor.  This entity is never a “member”, “user” or “subscriber” of the MERS® System; however, the Depositor plays an important role in securitization because it has to accumulate all of the documents (mortgages and notes funded by the REMIC) together by the specified “Cut-Off Date”, which is shown in the Prospectus (the sales pitch), which has to be done by a date certain (not 5 or 7 years down the road) or else the transfer of the loan into the REMIC would be void.  Party C is one of those parties that is a necessary party to securitization, so without it being named in the chain of transfers from Party A to Party B to Party C to “Party D” (the Trustee for the REMIC trust), as specified in the Prospectus, by the specified date, then it creates all sorts of legal challenges down the road, for both borrowers and investors alike.

To make even more money on the deal, Party B goes out and makes applications all over town for default insurance, while placing side bets (credit default swaps) on the performance of the certificates issued to the investors who have no idea what’s coming.

Now that all the side bets are in place and the loans have all been funded, the loan you got through Party A (the corresponding lender who only put up 5% of the deal) just closed and Party A got reimbursed by Party B, who actually funded the loan!

Later you find out the truth … but wait … if Party B was actually footing the bill with investor money it got through securitization, shouldn’t Party B be named the lender on the mortgage or deed of trust?  You’d think so.  But nope!  That puts Party B too close to the action on the assignment that’s supposed to be recorded in the land records where your house is … but somehow … Party B and its corresponding lenders are having too much fun giving loans to people they knew couldn’t repay them … so they forget about recording the required assignments altogether.

Ha! Ha! Ha!  Not!

The sponsor-seller knows what’s coming, because it’s holding all the Aces and it knows that over time … the house of cards will fall because all the loans in the pool are set to “reset” themselves within a certain period of time, causing the entire REMICs value to collapse.  I call it “Day 91”.  That’s the day the sponsor-seller gets to cash in on all of the insurance policies and credit default swaps.  The sponsor-seller can take a $500,000 loan and make $7.5-million off of the deal!

And here you are, swimming in debt, trying to figure out how to pay that mortgage that just reset itself through that adjustable rate BS you obligated yourself for.  But there’s more month at the end of the money.  You stop paying.  Party B is counting on it!  Party B set the whole thing up (using the MERS® System) to obfuscate the chain of title so it can create assignments of mortgage and deeds of trust to record in the land records vis a vis the mortgage loan servicer, who is tasked with taking your payment every month.

At least that’s what the mortgage loan servicer wants you to think when it sends you the default notice!  But alas … another lie.

The mortgage loan servicer is required to pay your principal and interest payments on your mortgage loan to the investors whether you pay them or not!   It’s called an “Advance”.  That too, is in the Prospectus … (not in the PSA)!   Simply put … are you really in default when the alleged REMIC moves to foreclose on you?   If someone is paying the investors every month, then how can they claim you’re in default.  Because they have a contract with you?   The originating lender (Party A) was paid off at closing by Party B (who used investor money to fund the loan) … this is what we call “table-funded lending”.

I’m trying to tell a story here, because this is the part where the rubber meets the road! 

Until you default (when the servicer declares you aren’t making your payments anymore) … you’ll never see an assignment recorded in the land records (99% of the time).  You have no contract with the servicer (Party E, for Empty Pockets).  Servicers have been known to “rob Peter’s account to pay Paul’s account” all the time, like Ocwen, which is why servicers are sloppy with handling money and shitty record-keeping.  But the servicer has another angle … it uses its employees to create assignments of mortgage and deeds of trust using MERS to cover up the missing links in the chain of title and conveys the title from Party A to Party D, without any recollection or mention of Parties B or C!   So who is it really coming into court to foreclose?

If you said Party E, you’re right!   These days, servicers are being even more brash, claiming they have a power of attorney from Party D (the Trustee for the REMIC) to foreclose on behalf of Certificateholders of some REMIC “series number”, claiming the certificate holders have been “harmed”, when in fact, the servicer is just trying to reimburse itself for all the defaulted payments it kept making on your behalf.   Now it’s using phony documentation to claim the note and mortgage were transferred to Party D, many years later.  The REMICs only stay open a year, so none of that makes any sense.  So the mortgage loan servicer retains the law firm to foreclose on your house … let the lying, cheating and stealing begin!   All on behalf of Party F (the investors).  I use Party “F” because in this scenario, the investors get “F**ked” in the end because the money made by stealing your house using phony assignments created by the mortgage loan servicer and its employees goes into their pockets and not those of the investors.

The attorneys continue the lie by claiming you’re not a third-party beneficiary to the assignment!   

And the judges buy into that crap hook, line and sinker!  It shows their ignorance! 

There are a lot of problems with these foreclosure mill lawyers using that falsehood.  In fact, the very pleadings or responses they file in lawsuits brought by the homeowner in deed of trust states to stop the foreclosure, or in the pleadings they put into the court record in mortgage states, contain misstatements in of themselves … and even more so when they have to rely on the recorded documents that the mortgage loan servicers put into the land records, in violation of statutes and penal codes, that contain false and misrepresentative information.

And the borrower and the attorney for the borrower run into court and wave the assignment around, telling the judge it’s a fraudulent document.  The judge of course (after hearing the attorney say you can’t challenge the assignment because you’re not a third-party beneficiary to the assignment) goes along with the bank’s argument … just because it seems to make sense.  However, there is a problem with that scenario.

Check back for PART 2 … where we discuss the bank’s flawed argument … and what homeowners are countering that flawed argument with!

HINT: Are the investors really third-party beneficiaries?  (think about it seriously, really).

Why should that affect you?

Look at your assignment!

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Filed under OP-ED

MIAMI-DADE JUDGE BITCH SLAPS US BANK!

(BREAKING NEWS — OP-ED) — 

It’s not every day a judge gets vile with a plaintiff REMIC trying to foreclose on some unsuspecting homeowner … however; in this case, Judge Beatrice Butchko (of the infamous Buset case, you know, the one she said where HSBC came into court with unclean hands?) did a smack down on U.S. Bank’s attorneys with a show cause order:

Signed-Order-to-Show-Cause

If the infamous Buset case wasn’t enough for you, this case has some serious robosigning underpinnings, thanks to your wonderful friends at Bank of America, N.A.:

ZAYAS ASSIGNMENT OF MORTGAGE

And for those of you C&E fans out there … you’ll be glad to see what’s in the assignment of mortgage that Bank of America contract workers in Simi Valley, California (B of A’s document mill) cranked out, all those famous names, the names you know … Dominique Johnson, Mary Ann Hierman and Srbui Muradyan … and lest we forget L.A. Llanos, who signed the document under penalty of perjury under California law!  Sadly, a Miami-Dade law firm was involved in the manufacture of the assignment.  Can you see the name of the attorney in the upper, left-hand corner of the recorded Instrument?

They even backdated the assignment to March 6, 2010.  But no matter … the REMIC trust was closed on March 30, 2006, so backdating the assignment to March 6, 2010 means nothing. The REMIC’s cut-off date was March 1, 2006.  And let’s talk about the ADVANCES section, shall we?

Anyone researching into MortgageIt knows this entity was fully acquired by Deutsche Bank Structured Products on January 3, 2007, nearly 3 years after MortgageIt went public.  The two would later settle fraud charges under the federal False Claims Act for repeated false certifications to HUD.  In January of 2018, MortgageIT ceased its wholesale lending practices.

Under the ADVANCES section, do you notice that this section is all about the Servicer and NOT the REMIC?  From the looks of these two paragraphs, this REMIC was subprime shit!

And for those of you who think CoreLogic is your friend, think again.  And exactly what happened to the Simi Valley, California document mill, in which a majority of the assignments involved or named CoreLogic within the document?   All of a sudden, it ceased to exist, after reportedly retaining over 40 contract robosigners to affix their signatures to assignments like the one shown in this post, supervised by at least 3 Bank of America employees.  The majority of the Simi Valley garbage was produced between 2012 and 2015.  Anything you see involving the law firm handling the processing of the foreclosure, CoreLogic and Bank of America should be considered suspect and flagged for investigation.

Where’s the Note?

Good question.  There’s no mention of it in the assignment of mortgage.  There are (to date) 181 docket listings for this case, leading up to the judge’s Show Cause Order.

The Note was never assigned.  And we all know that notes are “negotiated” right?   So … we went looking for the October 21, 2005 note in the Court file and voila:

Notice the indorsement-in-blank is undated?  There is no effective date of transfer, nor does it evidence 3 true sales as stated within the REMIC’s own sales pitch (below), needed to occur.  And exactly HOW MANY payments of principal and interest did the servicer make to the certificate holders before it demanded to be reimbursed.  How many credit default swaps were executed as part of the deal that paid out?   How much default insurance was cashed in on?   Certainly the title was screwed up?   How much did the sponsor-seller make off of claiming that the securities were equitable instruments when they were, in fact, nothing but evidence of debt.  This is the problem with Wall Street … fooling investors and the government into believing that this subprime shit actually had value when the trusts were probably empty promises to begin with!

SEC Info – Merrill Lynch Mortgage Investors Inc – ‘424B5’ on 3:29:06 re: Specialty Underwriting & Re

A lot of “proof” has to go into the pudding, so let’s take a look at the recent Certo case and see if we can glean any juicy details as far as the note is concerned:

Certo v BONY Mellon, 1D17-4421 (Apr 3, 2019)

I know.  It’s information overload.  But it’s current … and in the Certo case, the 1st DCA reversed the circuit court’s ruling of foreclosure.

And how is it that MERS alone was being relied on by people who had little to no idea was MERS was (in the assignment)?  At least one contract worker who said he worked at the BofA document mill said he signed over 225 documents a day as a Vice President of MERS and had no idea who MERS was!  If that’s not f**ked up, I don’t know what is!  But hey, when you put your faith in the American Banking System, you get F**KED!

The author of this post is the authored of Clouded Titles, available at CloudedTitles.com!  The commentary expressed herein is the opinion of the authors and does not constitute legal advice.  If you want legal advice, get an attorney that knows how to properly draft and file a cancellation and expungement action on a recorded assignment,  In Florida, we like F.C.C. § 817.535, which has a civil component to it.

To all of the C&E students who recently attended the Las Vegas workshop … see if you can spot the targets in the Assignment of Mortgage in this article!  How many in-state and out-0f-state defendants and/or deponents can you identify?   Put that show cause order date on your calendar.  I’ll be interested to see what Judge Butchko does to these morons.

It’s funny that they can come into court and assert stuff.  Then, when asked to prove it up through discovery, they refuse to give us the goods that we can use to eviscerate them.  Lest we also forget … what about this piece?: U_S_BANK_Brochure_Borrower-is-a-party_9-13

All of this stuff leaves us with a lot of questions, right?    But it appears Judge Butchko isn’t leaving a lot to chance.  She appears to have closed a lot of loopholes versus the outcome in the Buset case, where she determined HSBC came to court with unclean hands.  It won’t be the first time.

If Deutsche Bank subsumed MortgageIT in 2007, how did this REMIC, with US Bank as its Trustee, end up with the Note and Mortgage in 2010, long after the REMIC closed?

See IRC § 860(g) and New York Estates Powers & Trusts § 7-2.4.

Bruce Jacobs certainly has his hands full again, right?

To be continued.

 

 

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CFPB UPDATE ON OCWEN LOAN SERVICING LLC …

BREAKING NEWS —

For those of you who need clarification on Ocwen Loan Servicing’s “financial position” and “mortgage servicing rights”, please pay close attention to WHAT Ocwen acquired from ResCap and why ResCap had to file Chapter 11.  Here’s the 11-page update:

Update on The CFPBs Enforcement Case against Ocwen Financial Corporation

You can also read (in the last paragraph of the Report) what the status is on the lawsuit filed by the CFPB.

For those of you that have been following my blog posts, also understand that ALL SERVICERS have to comply with REMIC rules if a REMIC is involved in your mortgage loan … that includes ADVANCES!  Please refer to my other article on Ocwen in The Pooling & Servicing Agreement: Why Just Eat Half The Enchilada? 

For those of you that need “clarification” on the duties of the Servicer, please pay close attention to the attachments in the referenced article … especially under the area of ADVANCES.  This might explain more of servicer fraud, as the servicer, by omission, commits fraud on the court by NOT admitting that it has to make your mortgage payments if you fail to do so, under the 424(b)(5) Prospectus regulations (shown in the article, by Ocwen’s own admission), coming into court in a foreclosure proceeding claiming that the investors it represents (the REMIC’s certificate holders) suffered harm, when in fact (PLEASE PAY ATTENTION TO THE DISTRIBUTION DATES IN THE REMIC’S REGULATIONS), the investors have been getting paid all along, as long as the servicer is able to make the payments.  This is even more evident when you read the sentence in the Report issued by the CFPB (attached) which explains WHY ResCap filed bankruptcy!  Sorry, you actually should read the Report! 

You can learn to fight Servicer Fraud at our upcoming Foreclosure Defense Workshop … this weekend in Orlando, Florida!  Servicer Fraud is NOT just Ocwen … it’s all of them! 

FDW ORLANDO REGISTRATION FORM

There are still a few seats left!

We will be sharing information about the differences in “buying time” versus “full resolution” in your foreclosure case!

Learn to attack Assignments of Mortgage and Deeds of Trust the right way!

Learn to attack the other’s side’s Limited Power of Attorney!  … and so much more!

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Filed under BREAKING NEWS, Securitization Issues