Tag Archives: American Brokers Conduit


BREAKING NEWS (from the poster)! 

For those of you who are planning to attend the Honolulu, Hawaii Quiet Title Workshop, please be advised of the following:

  1. This will be the last workshop of 2016 that Al West and I are doing together.  Either be there or miss out.
  2. This will be the last quiet title workshop that Al West and I are offering to the general public, due to lack of interest.  So, this is your last opportunity to have a powerful think tank at your disposal.  You can get the information on the workshop by clicking on the following links:
  3. QT WORKSHOP_HONOLULU_REGISTRATION FORM  (Please follow the instructions on the form!)
  4. QUIET TITLE WORKSHOP FLYER_HONOLULU  (I would recommend using discount hotel services to book your room and airfare, as our group discounts have expired!)
  5. I have decided to go a different direction involving my consulting work, which means I will be handling more attorney-based cases involving investors and homeowners who have retained counsel that is willing to accept consulting services; otherwise, I will only take cases on that basis.
  6. I am not a lawyer referral service; however, I can assist you in vetting attorneys, once you find them.  This will be done on a conference call basis for a flat fee of $75.00, payable by credit card in advance of the conference call.
  7. You can still purchase The Quiet Title War Manual, Clouded Titles and The Credit Restoration Primer from the Clouded Titles website.
  8. The online COTA Workshop is still in development and probably will not be ready until 2017.  If I become aware of any COTA Workshops being hosted by other entities in the future, I will inquire as to whether the folks who monitor this blog will be allowed to attend, at which point I will post the information accordingly.
  9. Any referrals to other consulting services outside of my immediate concern are the responsibility of those parties wishing to contact and contract with those services.  I no longer am working with outside parties who may or may not have further useful information to help you with your case.
  10. The rates on my COTAs now start at $1295.00 and go up from there.  I have a “full plate” and anticipate having a full plate for the next 3 years.  Despite what the banks, MERS and law enforcement have attempted to do in smearing me all over the media, with the help of a few self-proclaimed “investigators” who run  websites that state I ripped off the U. S. Government, I am still economically intact and am not going anywhere.  The Orlando Sentinel’s Henry Curtis got his story all wrong and was probably paid off by someone to write the article against the Osceola County Clerk in the first place, which makes his brand of journalism shoddy and unreliable at best, about as unreliable as you can get.  Any news outlet that would hire him would be a huge mistake and a disservice to the public at large. The current Osceola County Sheriff STILL isn’t running for re-election and the 9th Circuit State’s Attorney who refused to investigate the Forensic Examination commissioned by the Clerk was defeated in the Democratic primary last August.  The voters have awakened!

That being said … 

  1. I will still continue to post updated information on this site.  Once the online workshops are up, please note they are general in nature and are only there to help you formulate your research in conducting chain of title issues and will not offer legal advice, attorney referrals or any other subject matter information that is not relevant to chain of title.
  2. I will still continue to be the “foe” of MERS, MERSCORP Holdings, Inc. and the banks.  I am sick and tired of them and wish they were all in prison.  Unfortunately, the United States Government is in bed with the banks; yet the average, uninformed consumer still chooses to participate in impulse buying of homes they are NOT entitled to and cannot afford; thus, the same nonsense that plagued us in the 90’s and the millennia will continue to plague us for at least the next decade as the banks continue to water down the Dodd-Frank Act through their lobbyists.
  3. If you wish for Al West and I to come to your city to conduct a Quiet Title Workshop, there are firm parameters you will have to follow. You will have to guarantee 30 paid attendance for the event and the rate will be higher than what we normally charge to do a workshop and you will have to pay our travel to and from the event, plus meeting room and hotel rooms. No exceptions.
  4. I am still working on the FDCPA book.  This book is going to be a powerful think piece, in addition to all of the case citations, strategies and legal attack plans placed within this work, based on previous history of those who have been successful in such actions.  This has become the most formidable attack plan against the servicers and their law firms who lie in court about who they truly represent.  Yes folks, we are knee deep in servicer fraud.  In my estimation, the named plaintiff in a foreclosure suit does not know they’re the named plaintiff!
  5. The federal court systems (as well as the state court systems) are corrupt as hell!   Sure, there are a few judges out there that get it academically, but until you do your research and bring an adequate “game plan” to the table, all of the bad case law will continue to screw things up in the legal system because people may be mad, but they’re still unprepared financially and in all aspects of their education involving legal matters.
  6. Most attorneys have figured out how to scam homeowners for monthly payments and give them nothing in return.  I am still getting email from homeowners who are concerned that they may have picked the wrong attorney to represent them.  I am not an attorney referral service, but I have a few that I work with that I have found to be reliable.  If you have started your litigation pro se however, they may choose not to work with you.
  7. Please do not contact me about TILA and RESPA issues. That is not my focus.  There is narrow case law in these areas and you still aren’t going to get and free house, despite what anyone tells you.  I have been contacted by United States Treasury Agents regarding certain claims made by firms who tell consumers that all they have to do is file a rescission and they get a free house.  Unlike what happened to me 20 years ago, it is not me that is the target here.
  8. I will continue to do county land record audits.  If you know of someone who needs (or has indicated) they want one done, please let me know. If you’re in California, Al West will show the County Recorder how they can get a county land record audit done without the charges coming out of their budgets.
  9. Al West and I are still working on projects together.  Al West and I will be at the U.S. 9th Circuit Court of Appeals hearings on MERSCORP v. Robinson.  Yes, I authored quite a bit of the reply brief and I am very well aware (as MERS is) of the fact that MERS sent a mole in to bug our Las Vegas Quiet Title Workshop. I found out about that from information supplied to me that originated through a federal judge in Maryland. It would appear to indicate to me that the folks at MERSCORP Holdings, Inc. (and the U.S. government) understand that I am “not going away any time soon” … and if I do, it will be by their hand and their doing and not mine!  We are still coordinating efforts regarding certain AWL and ABC mortgage loans. We are also handling IRS Whistleblower cases!
  10. In certain matters, I may also be testifying in court. This still does NOT make me an expert witness. Please do not contact me to testify at your hearing or at trial.  If subpoenaed without my knowledge or consent, consider me a hostile witness ab initio.  I still want my day in front of the grand jury, be it state or federal.  I have a lot to tell them and show them.

Beware of whack jobs that continue to dwell on what happened to me 20 years ago.  As attorney Lynn Szymoniak eloquently put it … “it doesn’t matter what he did 20 years ago, what matters is what he’s doing now!”  If Ms. Szymoniak didn’t believe in what I was doing, she would NOT have shown up to my COTA Workshop to lecture to the class.  Please support The Housing Justice Foundation.

Finally, when I’m done with the FDCPA book, I am going to pick up where I left off and finish the “other book” I have been working on … a book which explains in detail what happened to me 20 years ago, the American legal system, American politics in general, and why Americans are becoming polarized in certain aspects of society.  The U. S. Government will definitely NOT like what is in this “other book” (although it’s not as dicey as “Snowden”).  If you get a chance to see that movie … this man should be exonerated and not indicted.  He just sent a warning shot to all of you out there that think you’re “secure” when you’re anything but.

No, I’m not a doom-and-gloomer.  Like many of you out there who are evaluating your future plans and strategies, that is a wise move in my book. Remember, the U. S. government is paranoid as a whole and government employees believe everything Uncle Sam tells them.  I have found trusts to be quite handy these days.



Filed under Breaking News, Chain of Title Education, Financial Education, Quiet Title Education



Clouded Titles author Dave Krieger will be presenting a one-hour “State of the Union” address as to the current foreclosure mess in the United States on WKDW-FM 97.5!

You can hear the broadcast streaming live on the internet by going to http://kdwradio.com and clicking on the “Listen Live” link and select which format you want to listen to the program in.

The program airs tonight at 6:00 p.m. Eastern Time.  You don’t want to miss this program!   Dave is going to reveal some interesting things the banks don’t want you to know!

If you’re facing foreclosure or know someone who is, you’ll want to tune in tonight to get the “scoop” on what’s going on behind the scenes most Americans are not aware of!

Have a question, email Dave through the “Contact” page on his website: http://www.cloudedtitles.com!

Just a reminder, we still have seats left at the upcoming Fort Myers, Florida Quiet Title Workshop.  Homeowners, attorneys, paralegals and investors are welcome to attend.

Contact Dr. Klaus to register at (239) 410-7299.  There is a fee to attend this Workshop and lunch is included.

Have a loan with “America’s Wholesale Lender” or “American Brokers Conduit”?   You may wish to attend the free open forum, Sunday, July 31st at 5:00 p.m. at the La Quinta Inn & Suites, Fort Myers Airport to learn about our new “attack plan” against these two frauds!


Filed under Breaking News, Quiet Title Education



THE QUIET TITLE WAR MANUAL’s author Dave Krieger, along with California quiet title attorney Al West, will be hosting an open forum Sunday evening at 5:00 p.m., July 31, 2016, following the end of the scheduled quiet title workshop to specifically discuss America’s Wholesale Lender loans!  This would also include loans made by American Brokers Conduit and New Century Mortgage Corporation.

If you are an affected homeowner who has one of these loans and you wish to attend this forum, it is FREE OF CHARGE to attend.  You must bring your mortgage paperwork with you, along with any assignments that might have been filed in the land records affecting your property, so we can evaluate it.  We have an attack platform that you may be interested in and there will be other attorneys in the forum that you can meet with while you are there that deal in foreclosure defense issues.

Again, the event is being hosted by Dr. Klaus at the La Quinta Inn & Suites at Fort Myers Airport (RSW) at 9521 Marketplace Road, Fort Myers, Florida at 5:00 p.m. in the meeting room. We will have a presentation that will last about 30 minutes, followed by a Q&A session.  At that point, you can decide how you wish to deal with your specific situation.

For those wishing to attend the Quiet Title Workshop, there are only a few seats left.  Please contact Dr. Klaus directly at (239) 410-7299 since he is the Workshop host/sponsor.  All attendees at the Workshop (not the forum) will receive a FREE COPY of The Quiet Title War Manual along with a 16GB USB flash drive that contains over 12,000 files of over eight years of research data!  This event is for attorneys, investors, homeowners, and paralegals, slated for Saturday and Sunday, July 30-31, 2016 from 9 a.m. to 5 p.m. both days.


Filed under Breaking News, Quiet Title Education


(Op-Ed, Financial Education) — The following observations make the Florida Circuit Court in Miami-Dade County and the Third Circuit Court of Appeals look like a friggin’ joke!   In other words, how many amicus briefs can you put forward to twist the truth, bury the falsification of documents, cover up the misdeeds of counsel and misdirect all of the fraud on the court?  

SIDE NOTE: … not to mention all of the felony misrepresentation within the recorded documents used to turn this case into what it is … this case has turned the Florida court system into the laughing stock of the nation!  We’re not laughing with you, your Honor! We’re laughing AT YOU! The banks and the HOA lawyers really pulled a good one over on you this time! 

It is no surprise that the Third District Court of Appeals would rehear and reverse the Beauvais decision, which in of itself, was based on so much controversy that it boggles the mind.  It’s also no surprise that everyone was quick to say the reversal of the DCA’s previous ruling was against Florida homeowners and that my inbox would be flooded with negative comments about the decision, obviously anti-homeowner.

Let’s take the obvious for what it is, shall we?

Florida is pro bank.  The Florida Mortgage Bankers Association and Lender Processing Services own the controlling interests in the Florida legislature and have a distinct foothold on Florida Attorney General Pam Bondi.  This is why Bondi will not investigate anything having to do with the real reasons Beauvais is here in the first place!  When you have attorneys who lobby on behalf of the banks submitting amicus briefs to align themselves with this reversal, it only shows that document manufacturing orchestrated by these very attorneys hasn’t stopped.  Despite the AG Settlement in 2012, these same law firms continue to supervise (along with the title companies) the production of documents generated to steal peoples’ homes.  The circuit court justices in the State of Florida don’t want to understand that their state-sponsored retirement system is funded by fraudulent RMBS’s that have already been paid off dozens of times over and that ruling against document manufacturing won’t hurt their retirement funds.  The Florida Court system is politically motivated to screw Florida homeowners and sadly, very few Florida homeowners “get it”.  Unless you’ve been affected by a foreclosure and did the homework on your own chain of title, you wouldn’t know a corrupt document if it bit you in the ass!  Beauvais is just another example of an entire chain of title gone wrong.  It’s always the chain of title … and Florida title companies are in the middle of it!  Yup, tar and feathering is what they used to do.  There were no “settlements” back then.

While bankers’ attorneys are groveling at their latest accomplishments (including MERS attorneys who are knee deep in this), the diversion of attention to the real facts have been deliberately misplaced.  In fact, Mr. Harry Beauvais is partially to blame!  He sat on his thumbs and did nothing.  He let his HOA do the talking for him.  At that point, the whole charade was everything but “who has title”.  For those of you who have been to our Quiet Title Workshops, this case has blatantly and deliberately circumvented all of the real issues in favor of arguing “debt collection issues” having to do with statute of limitations.  What foreclosure defense attorneys don’t seem to understand is that banks’ attorneys craft their pleadings to “steer” the both the homeowner and the attorney into a corner, where they can only paint a limited picture to the courts and control the narrative.  Unless you’ve come up with something definitive you can hang your hat on, like in the infamous Nash and Dinmant cases, you’ll lose.  That is exactly what we have here!  And EVERYBODY missed the point!  Read the latest ruling and see if you can spot the real truth: DBNTCA v Beauvais et al, 3D14-575

Time for a COTA-in-brief!

The first diversion from the real truth came at the very outset of the loan!  Let’s look at the subject mortgage for a moment to see exactly where the “problem” originated. The HOA in this case never argued the fact that THE LENDER WAS A FICTION!  See for yourself: Beauvais Mortgage 

The Lender was NOT what it said it was, a New York Corporation.  In fact, like America’s Wholesale Lender (“AWL”), it was not registered to do business in the State of Florida! American Brokers Conduit (“ABC”) was in fact, another one of these fabricated posturings by the banks to fool homeowners and their attorneys, who think that this entity (an illegitimately unregistered “assumed name” of American Home Mortgage Finance Corporation) actually had some sort of authority to loan money, when in fact, everything about it parallels AWL!  Thus, the entire Beauvais case was predicated on fraud, yet the real problem was deliberately argued off in another direction so the courts would see the “real problem”: ABC Registration, NY Dept of State, Div. of Corps. (3-16-2012)  

(1) ABC was never a New York Corporation at the time Mr. Beauvais signed his note and mortgage!  And here I thought fraud vitiated the contract.  We have a serious breach issue ab initio because the Lender (as you can plainly see on its face) could NOT have loaned Mr. Beauvais a nickel because it did not exist in form.

(2) The 2012-formed “ABC” has nothing to do with the now-bankrupt chain of entities connected with American Home Mortgage Finance Corporation!  Plain and simple. Even in the first two pages, anyone researching the New York address on Page 2 of Beauvais mortgage could spot what I’m arguing here.  And the Third DCA went right along with their derailed train of thought without even giving the subject mortgage a serious glance.  Remember, you can only argue what was pontificated in the “lower tribunal”, which should be ashamed of itself, like Mr. Beauvais.  How in the hell can you sign a note and mortgage for $1.4-million and walk away when the going gets tough?  Worse is the fact that there are other documents in the chain of title that smack of the same findings that my team and I found in the OSCEOLA COUNTY FORENSIC EXAMINATION that no prosecuting entity seems to want to really investigate.

(3) Three suspect assignments followed the (note and) mortgage … and why am I not surprised that MERS is involved here!  It’s no wonder that Robert Brochin and his law firm (Morgan Lewis & Bockius, who represent MERS) put an amicus brief into the mix!  Another diversionary tactic to fool the courts. Look at the Beauvais Mortgage again.  See the MIN (100024200011269624)?  That’s evidence that the funds came from investors and not the fiction itself.  After the loan documents were uploaded into the MERS® System, they were likely shredded: (a.) to cover up any existence outside of the MERS database; and (b.) to force the bank’s attorneys to orchestrate a charade of document manufacturing found here:


MERS (a fiction) assigning a note and mortgage as nominee for another fiction (ABC) by AHMSI’s own employees, orchestrated by foreclosure mill attorney Jack S. Lewis, Esq. on behalf of the foreclosure mill law firm Adorno & Yoss, LLP: MERS ASSN OF MTG_2006 

First, understand (if you don’t already), that each REMIC trust is only allowed to stay active for one year according to IRS regulations. This assignment, dated June 8, 2006, was executed by a known robosigner who is employed by the Servicer (the “Assignee” in the document), which means that the attorney and the Servicer orchestrated the manufacture of a misrepresentative document for the purposes of stealing the property, which is a felony in Florida!

Second, if you look up the REMIC involved here that Deutsche Bank claims to represent (SEC Info – American Home Mortgage Investment Trust 2006-2 – ‘424B5’ on 7:5:06), you’ll notice the cut-off and closing dates (which I’ve restated here), signify WHEN the IRS regulations (and those of New York trust law) state you must transfer the loan documents into the REMIC: (a.) the Cut-off Date was June 1, 2006; and (b.) the Closing Date is June 30, 2006.  This means that instead of putting the loan documents into the trust pool, the assignment of the Note and Mortgage by AHMSI’s own employees to AHMSI was signed AFTER the cut-off date!  This invalidates the entire securitization process!

Third, when a search of the REMIC itself in the SEC files was conducted using the words “American Brokers Conduit”, there was no mention of ABC anywhere in the document.  

Fourth, when you look at the transaction structure for the REMIC, do you see ABC anywhere in the structure?:

2006-2 Structure

Didn’t think so.  In fact, the New York Corporation address claimed by ABC in the Beauvais Mortgage is the same address as is contained in the 424(b)(5) Prospectus for the REMIC trust, and I quote directly from it: The depositor’s principal executive offices are located at 538 Broadhollow Road, Melville, New York 11747 and its phone number is (877) 281-5500. Thus, Goldman Sachs, Lehman Brothers, RBS Investment Capital and UBS Investment Bank were involved in this “transaction structure” and ultimately had something to do with the funding of the loan.  Because of the players involved here, this “problem” is now an international one.

Also of key significance here is that the MERS business model is being used by AHMSI employees to facilitate the covering up of the misdeeds in the entire loan process and chain of title.  The banks of course set this whole charade up knowing that no one at MERS could be held directly culpable not having any knowledge of the transaction.  Only through discovery and grand jury testimony could any of this information ever come to light.

But the real points here are: (a.) ABC is the claimed “lender”, organized as a corporation under the Laws of New York, when in fact, that is false; (b.) the document was recorded in the public record as a MERS-originated Mortgage, which means “securitization” was intended; and (c.) the attorney for Adorno & Yoss didn’t care about the Cut-off Date of the REMIC because if he did (and he prepared the bloody assignment), it would have been generated long before then and the Assignee would NOT have been AHMSI, it would have been the REMIC trust!  FAILURE #1!

Suspect evidence: Notary Fraud; Document Fraud: Perjury and Subornation of Perjury by counsel; Florida Criminal Code Violations; Fraud on the Court; securitization failure; securities fraud; mortgage fraud; criminal RICO



MERS (a fiction) assigning a note and mortgage as nominee for another fiction (ABC) by AHMSI’s own employees, orchestrated by foreclosure mill attorney Jack S. Lewis, Esq. on behalf of the foreclosure mill law firm Adorno & Yoss, LLP: MERS ASSN OF MTG2_2006

WOW!  As the Forrest Gump saying goes, “Stupid is as stupid does!”  Notice from the second assignment, it appears almost identical to the first assignment, except it is dated SIX MONTHS EARLIER (January 8, 2006), unlike its predecessor assignment recorded on June 16, 2006, this document was recorded on February 8, 2007.  How can that be?   Is it because the attorney realized in drafting Assignment #1 that he screwed up?  Did the attorney even draft the assignments?  Notice that there is no second “witness” on this document, allegedly signed SIX MONTHS EARLIER (before the first assignment).  Oh, come on now!  Do the friggin’ math!   We have two assignments from MERS (who has no authority to assign the Note because it can’t prove when it HAD the Note), dated six months apart, to the SAME ASSIGNEE (instead of the REMIC), violating all of the same tenets discussed in Assignment #1, and THIS DOCUMENT was also recorded in the real property records of Miami-Dade County, Florida!  It is amazing how attorneys will step all over their own privates to reverse engineer documents in an attempt to perfect the chain of title and continue to screw it up in the process.

Also of key significance here is that the MERS business model is being used by AHMSI employees to facilitate the covering up of the misdeeds in the entire loan process and chain of title.  The banks of course set this whole charade up knowing that no one at MERS could be held directly culpable not having any knowledge of the transaction.  Only through discovery and grand jury testimony could any of this information ever come to light.

Of course, this chain of assignments looks to be no different than that of the crap issued by the Law Offices of David J. Stern before he was disbarred.  The key issue here is, neither attorney is sitting in prison right now.

But the real points here are: (a.) ABC is the claimed “lender”, organized as a corporation under the Laws of New York, when in fact, that is false; (b.) the document was recorded in the public record as a MERS-originated Mortgage, which means “securitization” was intended;  (c.) the attorney for Adorno & Yoss obviously didn’t supervise the preparation of the assignment because if he did, he would have caught the dates and realized he was now caught up in a web of deceit of his own making; and (d.) the REMIC trust still did not get the benefit of the assignment, which by now is public record!  FAILURE #2!

Suspect evidence: Notary Fraud; Document Fraud: Perjury and Subornation of Perjury by counsel; Florida Criminal Code Violations; Fraud on the Court; securitization failure; securities fraud; mortgage fraud; criminal RICO



All the while the issue of WHO HAS TITLE is working its way through the court system in Florida, employees of Homeward Residential, Inc. formerly known as AHMSI (who technically got nothing via assignment, if you’ve been keeping up with the chain of fraudulent assignments), is now assigning ONLY the Mortgage (the assignment of the Note is obviously absent) by Homeward Residential’s own employees, led by alleged Vice President April Caroon (see the following info from her LinkedIn page), finally assigned ONLY the Mortgage to the REMIC:

April Caroon Screenshot_LinkedIn

April Caroon LinkedIn Background Info

You gotta hand it to these people, they’re real smart, using Homeward Residential’s Texas address while signing off on the document in Duval County, Florida and then causing it to be recorded in the real property records using MERS (again) to cover up their misdeeds.  It would obviously necessitate some sort of discovery to show WHO actually had the shredded original note.  LOL!  But this never happened because Harry Beauvais was ready to accept the cash and move into a pricey Miami-Dade home, not caring about the consequences he left in the wake of the foreclosure on his home.

I don’t see anywhere in April Caroon’s information where she claimed to be a Vice President of Homeward Residential, Inc., do you?   If I was an officer of a company and I was posting on LinkedIn, I sure would be bragging about being an officer of that company.  But in fact, she wasn’t, was she?

As any good researcher would do, I pulled Homeward Residential’s incorporation file: Florida Dept. of State, Div. of Corps. Registration ListingHomeward Residential is an ACTIVE corporation in the State of Florida, but I didn’t see April Caroon’s name listed as a Vice President.  In fact, for the year she claimed to have signed the document (2012), I pulled the Annual Report for Homeward Residential, which you can view here: 2012 For Profit Corp Annual Reportand I sure as hell don’t see April Caroon’s name listed here as a Vice President, do you?

This assignment typifies virtually every kind of foreclosure conducted in Florida, yet in this case, we’re arguing statute of limitations issues in an attempt to get a “free house” (either by Deutsche Bank, the Servicer and/or the HOA, Aqua) the cheapest way possible, by just making shit up as you go along and then plying that shit on the court system, who eats what is put in front of it … and a mile of it at that!

But the real points here are: (a.) ABC is the claimed “lender”, organized as a corporation under the Laws of New York, when in fact, that is false; (b.) the document was recorded in the public record as a MERS-originated Mortgage, which means “securitization” was intended;  (c.) it appears that a non-lawyer working at the foreclosure mill law firm of Robertson, Anschutz & Schneid, P.L. prepared the document, which may indeed have UPL consequences if it is found that the preparation was unsupervised by an attorney; and (d.) the REMIC trust got the benefit of the assignment alright, SIX YEARS TOO LATE!  FAILURE #3!

Suspect evidence: Notary Fraud; Document Fraud: Perjury and Subornation of Perjury by counsel; Florida Criminal Code Violations; Fraud on the Court; securitization failure; securities fraud; mortgage fraud; criminal RICO, Unauthorized Practice of Law

(4) Given the manner in which securitization works … as Al West puts it, “it gets better”!  If further investigation were to take place surrounding the securitization failure, one would likely find:

(a.) that upon default (Day 91), the REMIC collected at least 82% of the value of the loan (multiple times over) based on the credit default swap insurance side bets placed on the failure of the note, making a loan through a fiction that the players knew didn’t qualify for such an expensive mortgage, but did it anyway and structured the loan to fail so it could collect;

(b.) that upon default (Day 91), the REMIC could go collect on any other default insurance policies put into place prior to the registration of the loan;

(c.) that after the default, the REMIC went screaming to the title company, claiming the title was all f**ked up, and collected on a title insurance policy.

So, if an investigation by someone with some real authority were to pan out and the real truth be known:

(a.) the real players behind this mortgage loan did NOT include ABC, which is a fictitious fraud and did NOT exist in reality at the time the mortgage loan was made;

(b.) the parties involved in the manufacture of the assignments clearly knew what was at stake and that the mortgage loan was paid in full before the foreclosure process even started; and

(c.) the parties found something new to argue about in order to deflect from the real truth because the “not so real truth” is an easier pill to swallow when it comes to screwing over Florida property owners in the courts making bad case law over something totally irrelevant as statute of limitations, when fraud vitiated Beauvais’ mortgage loan in the first place!

Did the Third District Court of Appeals get a plate full of shit to digest?  You bet!

Were the real matters involving the loan itself ever made a part of this case?   Nope!

Did the banking cartels ever mean for any of this to see the light of day?  Nope!

Did the Circuit Court judge give a damn about the chain of title to the property?  Nope!

Is there more suspect document manufacturing going on AFTER the 2012 AG Settlement? Most definitely!

Are the foreclosure mill law firms involved in this suspect criminal RICO activity?  You be the judge!

Does statute of limitations really matter, given the propensity of the banks to outspend Florida property owners to screw them over in the Florida courts?  Nope!  This is a diversion, to deflect from the real truth.

So you ignorant litigants out there, keep arguing those SOL issues and see where they get you!

And now you have Florida’s latest “joke” all neatly laid out for you … which will go unheeded because, as you know, most Florida politicians and judges are bank-owned, just like foreclosed properties, so buying real estate in Florida involves some real serious caveats, including Florida politics,  especially when buying foreclosed homes, or any home for that matter, in the Sunshine State!  This is “the joke” that is Florida!

Stick that where the sun never shines! 

I rest my case.

1 Comment

Filed under Breaking News, Chain of Title Education, Financial Education, Op-Ed Piece, Quiet Title Education


The author of this post is a consulting expert to attorneys and also conducts chain of title assessments and drafts quiet title pleadings.  The information shared here is NOT to be construed as legal advice, but is for the educational enlightenment of the reader.  In all matters involving real property, it is suggested you consult an attorney who is highly versed in quasi in rem matters. 

Imagine if you will … (Rod Serling … tongue-in-cheek LOL) …

You get out your original mortgage or deed of trust, suspecting that the original lender may not have been a real lender at all.  But how can you tell?

The first plausible idea came from research done by a multitude of paralegals (and subsequently homeowners like Linda Nash of Seminole County, Florida, whose final order is published below), revealing that within the Secretary of State’s database for ANY State in the Union, that certain “lenders” may not have actually existed from the git-go (hence the legal term “ab initio” or “from the beginning”).  Two of those suspected illegitimate “lenders” were America’s Wholesale Lender and America Brokers Conduit (which wasn’t registered until 2012, despite the fact that tens of thousands of mortgages and deeds of trust were issued in its name prior to its formal registration).  A last-minute registration does not perfect the actions of an entity taken years prior.

If you have one of these two lenders in your original mortgage, the author would like to hear from you.  Please go to the DK Consultants LLC website’s contact page and leave your full contact information.  Here’s the final judgment from Hon. Robert Pleus (pronounced Ployce), now up on appeal to Florida’s 5th DCA by Bank of America, N.A. (which Pleus served as Chief Judge for a time), highly likely to be affirmed.  Sadly, Bank of America, N.A. thinks that because its predecessor, Countrywide Home Loans, Inc. claims to have used AWL as a “dba” or “doing business as” assumed name, this may NOT be stated as such on your mortgage or deed of trust.  Instead, you may see “America’s Wholesale Lender”, a New York corporation (which of course AWL never was).  Do you see a pattern of fraud here?   Here’s what Judge Pleus asked Linda Nash’s attorney to draft in an “air tight”manner, which I believe he did accordingly:

Final Judgment

While this Judgment may shock some of you, it is to be expected, especially from a Florida circuit.  Florida was one of the “sand states” that confronted foreclosure issues to begin with, so logically, it would be anticipated that if enough homeowners (like Linda Nash) fought for the good of the common man, that something would have to give.  Can you see where the 5th DCA (if affirmed) could likely set off a “s**t storm” of new litigation?  We think so.

Many homeowners were foreclosed on by these two “dba’s” alleged successors, wherein the Final Judgment described above describes the lack of standing to the contrary of what was asserted by Bank of America.  This is a real problem for B of A.   These major banks need to be broken up into little pieces.  If I had my druthers, we’d have “state banks” (see Ellen Brown’s banking website, Web of Debt.com) instead of national banks.  One only has to look at the Bank of North Dakota to see what a successful business model looks like (all without MERS too.)

On another note …

The early bird special ends May 25th for the Chicago events (meaning the prices will go up on May 26th) … if you intend on taking the Chain of Title Assessment (COTA) Workshop, the Quiet Title Workshop, or the UCC Workshop, you need to sign up as soon as possible to get the best deal.  We are offering multiple attendee discounts as well.  Use the pull-down menu on the Clouded Titles website and check that selection and add it to your shopping cart and check out.  Then contact the host hotel and make sure to tell the registration desk you are attending one of the DK Consultants workshops, so you can take advantage of our group discount.  It is BEST to do this BEFORE May 25th.  We hope to see you there, in the furtherance of a positive outcome for America as well as your financial future!


Filed under Breaking News, Chain of Title Education, Financial Education, Quiet Title Education