Tag Archives: Osceola County Sheriff

REAL ESTATE AGENCIES, TITLE COMPANIES GEAR UP FOR MASS FORECLOSURES … UPDATE!

(BREAKING NEWS, OP-ED) — The information being offered in this post is current as of October 21, 2020 as of 12 noon Eastern Daylight Time and should be considered as to reasons why the foreclosure crisis is imminent. Any opinions offered are the author’s and do not constitute the rendering of legal advice. This post is for educational purposes only.

UPDATE: The webinar was held by a spokesperson for the Fidelity National Title Group (FLORIDA) at 11:00 a.m. EDT. Here’s what came of it all:

(1) FNTG’s “Agent Advantage” presentation was appealing to agents to become REO “handlers” of properties that are likely to face foreclosure, especially after the 1st of January. Homeowners that are in default with government-backed loans are going to get 120 days notice prior to the acceleration of the note. Those who don’t cure their loans will find themselves in the middle of a foreclosure proceeding, whether in a judicial or non-judicial format.

(2) Despite the fact the webinar was geared more toward Florida foreclosures, there were several key items of importance … especially where the title company downplayed what might happen if an REO-type Realtor® were told by the bank to go inspect the property, either by drive-by and/or personal knock-knock … the spokesperson used the language, “they might let their pit bull loose” or something worse, without saying that the Realtor® might get their ass blown away by a pissed off homeowner with a shotgun that doesn’t feel like leaving because they’re scared they’ll get COVID-19.

(3) All of the asset management companies that went away because the last foreclosure crisis dried up are now going to start popping up again and the spokesperson gave several locations of where to find these scalawags when they manifest themselves.

(4) If you’re a tenant, the U.S. Government says you have to be given a 90-day notice to quit. In the alternative, the bank might let you ride out your lease as long as you pay the bank your rent money. Heck, you might even make the bank an offer and finance the property out of the foreclosure!

Part of the issue here is that due to the pending foreclosure crisis … and I believe (in the first person here) that you are being given sufficient warning to understand that there will be a crisis … it’s just a matter of WHEN … how can you liquidate properties that are actually insurable when the titles to most of these properties are clouded? (I could have used another more definitive expletive to describe title conditions but I won’t … you get the picture.)

I believe the investor community will come out in full force looking for bargain basement opportunities to score on what may turn out to be another rash of shadow inventory flooding the market. In order to meet these demands, real estate agents must know how to deal in Real Estate Owned (REO) properties and how to process them, whether it be through short sales or actual seizure by parties that might not be entitled to take them. To that end, real estate companies that handle REO properties are going to be looking to hire (retain) additional agents to handle this mess.

Further, title companies have to issue policies covering the defects in title if these REO’s are going to be liquidated. The problem is … they can’t … not without a Schedule B exception. This means if an investor acquires the property that has been taken “hook or by crook”, chances are he’s going to get a quit claim or special warranty deed that exempts the alleged “grantor” from all liability connected with the purchase of the home, which in essence means that the only thing the home can be used for is rental income, at least until enough time passes when a title company will insure that property. Whatever the case, it’s going to be a free for all in the REO market.

You can bet the banks won’t be the ones doing the foreclosing either. It will be their mortgage loan servicers, who have been paying all of these delinquent bills on behalf of the borrower to the investors of the REMICs and junk debt pools (like LSF9). These shysters will go to great lengths to make their stories plausible, the likes of which make for a great criminal complaint to the county sheriff.

CRIMINAL COMPLAINTS … FALLING ON DEAF EARS?

In my book, if your State has a criminal code or statute that says it’s illegal to record documents in the land records that contain patently false and misrepresentative information, then a criminal prosecution should result. The problem is, 99.9% of homeowners do not understand what their rights are when it comes to challenging criminal issues. Nope, it’s not a citizen’s arrest. It’s a citizens formal declaration to law enforcement that a crime has occurred and a demand to law enforcement to do something about it.

To my knowledge, dozens of complaints have been lodged with county sheriffs all over the U.S. and nothing is being done. Virtually none of these complaints is being investigated. The excuses?

“We don’t have the manpower to investigate white collar crime.”

“This looks to be more of a civil matter rather than a criminal one.”

“I don’t see any injured party here.”

I’ve heard these excuses directly from the mouths of sheriff’s investigators and district attorneys I’ve met with. Two detectives from Osceola County, Florida actually had the chutzpah to tell me that the items I stated in the Osceola County Forensic Examination were “victimless crimes”.

And California attorney Al West was sitting right there beside me and heard it all, in total shock and disbelief. His comment was, “You guys are way in over your head. This is way above your pay grade.”

This is why you have the power to attack the bonds of the sheriff and the district attorney if they refuse to investigate and prosecute your complaint. The bonding information can be acquired through the County Attorney, County Executive or the county’s Risk Manager. You simply complain to the bonding company that the county violated your due process rights regarding redress of grievances under the Constitution and get your 42 USC § 1983 paperwork in order. Start with obtaining the bonding agent’s name and complete contact information. It may take you all the way into the State’s very own risk pool (a big pool of money used to pay off indiscretions carried out by public officers against the injured) in the form of a Tort Claims Action.

Again, I recall a recent post where I posited two cases, one written by Hon. Amy Coney Barrett, where due process rights come into play if “the other side” uses dishonorable means to prosecute a case:

The other case was a ruling from the U. S. Supreme Court:

What’s just as bad is when a judge goes along with all of this bogus paperwork and thinks that he/she doesn’t have to answer for any defective paperwork, even after being put on notice by the court that he/she could be an accessory to fraud on the court and/or perjury and/or subornation of perjury by the foreclosure mill attorney of any witness put on the stand if he ignores your warning.

This is one of the key items we’ll be discussing in the upcoming Foreclosure Defense 101 Workshop this Saturday (October 24, 2020) from 10:00 a.m. to 2:00 p.m. EDT, which is being offered as a online webinar. Can’t attend? That’s okay. We’re going to make the entire webinar recording available afterwards, so don’t panic … yet. Remember, there is a foreclosure crisis looming and we don’t want you to be a victim … at least not without a fight.

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

Leave a comment

Filed under BREAKING NEWS, OP-ED, webinar, workshop

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!

3 Comments

Filed under OP-ED