And the IRS has reported a rising number of identity theft cases. In the 2024 filing season, there were 15,242 instances of fraudulent returns, indicating they were filed by scammers to claim refunds owed to other people. The agency prevented the issuance of more than $180-million in refunds related to these returns, 20% more than the number of confirmed identity theft cases during the 2023 tax season. If you think you’re a victim of identity theft, you can file an affidavit with the IRS on Form 14039.
The IRS will investigate such matters and they really do; otherwise, they wouldn’t be reporting on it.
Now let’s talk about another scam … this time in the foreclosure industry.
If your mortgage loan has MERS on it, your loan has been securitized.
MERS only benefits the mortgage loan industry, whose servicers are all members. When it comes to foreclosures, the lenders aren’t the ones behind it, paying all of the foreclosure mills. It’s the servicers that are retaining them to steal your house, in violation of the FDCPA.
Servicers cannot legally foreclose on your home on behalf of some trust. Trusts close within one year of the date they are started up. This is right in the Internal Revenue Code. If you believe you’ve gotten a bogus 1099 form from a mortgage loan servicer, you can simply Google the EIN number and find out. A lot of my researchers are using the Form 3949-A to report these bogus claims and this should be part of your research if you have a securitized montage. This is the servicer trying to take a securitized debt, which has already been converted into a security and turning it back into a legally-enforceable note, which is impossible according to the Internal Revenue Code. If you think you’re a victim, my research is telling me that you have access to this form, which I’m attaching here:
Your next best bet, especially if you think you might be foreclosed on, is what a lot of my researchers are doing, sending a QWR (Qualified Written Request) and DVL (Debt Validation Letter) to the servicer (at the servicer’s specific QWR address) … don’t be duped into sending those letters anywhere else! If your mortgage or deed of trust has a notation at the bottom that says Fannie Mae-Freddie Mac Uniform Instrument with MERS (or without MERS, either way), either one of these two entities probably owns your loan, or at least used investor money to fund it.
Not all attorneys get it either. Many of them say they do foreclosure defense, when in fact, all they do is delay the inevitable. They already know if they push enough paper, they can keep you in your home two years or more. One couple stayed in their home for over 10 years. It cost them over $100,000 in attorney’s fees and eventually, they got foreclosed on because the attorney didn’t know the truth. I’ve assisted authorities in getting one Texas attorney disbarred and am working on getting another one put out of business for falsely claiming he was a foreclosure defense attorney when in fact, the guy didn’t know his ass from a hole in the ground! You really have to vet these people, who most distressed homeowners retain out of desperation.
Remember, you can always contact me through my websites:
CloudedTitles.com or TheKriegerFiles.com to discuss your situation.
You can hear my broadcasts live on The Krieger Files, at LibertyNewsRadio.com from 9-10 a.m. Eastern Time, Monday-Friday. Today’s show is especially important given what happened over last weekend.
You can listen here for free!
All this information is FREE!
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