Re: Sub Prime Lending - Corruption of a Predatory Mortgage Servicer

The case below is the newest Mortgage Fraud that is perpetrated by a new animal called “ Mortgage Servicing Fraud” and along with their predatory attorneys reek havoc on disabled, elderly, hospital patients and now even ''DECEDENTS”. They will stoop to the lowest of the low to steal not only homes, but personal property inside the homes, too. The auction process is corrupt from start to finish. There are no monitoring or enforcement mechanisms in place. These criminals use courts, judges, attorneys and even some politicians to their commit fraud and corruption without any regard for the law of the land and forgo any human decency.

A (74) elderly veteran and longstanding homeowner was sold a sub prime mortgage loan with Washington Mutual Home Loan. On October 4, 2004 my cousin died, but was not in default at the time of his death. However, WAMU was fully aware of sometime right after his death, because the post office was returning his mail back to them, marked, "DECEASED RETURN TO SENDER", After which time WAMU still transferred/sold his loan was sold to Litton Loan Servicing, LP who initiated a fraudulent Foreclosure action March 7, 2005 on a known decedent. Instead, a Petition for Juridical Probate should have been filed with the Orphans Court in lieu of filing a illegal foreclosure on a decedent.

Attorney for WAMU filed a 'LOST NOTE AFFIDAVIT WITH THE COURT. IN ADDITION, ON APRIL 4, 2006, A JASON BOURDEAU SIGNED AN AMENDED DEED OF REMOVAL AND APPOINTMENT OF "SUCCESSOR TRUSTEE AS VICE PRESIDENT AND AUTHORIZING AGENT WITH U. S. BANK, NA. However, manager at corporate offices for U. S. Bank, .indicated they had no one by that name that worked for their company. It is believed that Jason Bourdeau was an employee of Litton Loan Servicing, LP in their Default Unit and purposely left off Litton to circumvent the law with the sole purpose to defraud the court.

Litton Loan Servicing, LP authorized victims home in Baltimore was illegally entered with forcible entry and whole contents of his household was removed without a court order, sheriff's office and his family's permission. 1st Baltimore Acquisition and Prosperity System broke into deceased cousin’s home, changed the locks and stole family belongings, i.e. furniture, housewares, antiques and silverware, computer, televisions, other personal affects, (i.e. insurance policy’s, bank books, other legal document records, money, and etc.) family memorabilia and etc., and other involved by gaining unauthorized access to decedents home without permission of family.

Debra Murray, a former Litton employee who also lost her home at the hands of Litton told decedents cousin and other Litton victims have all indicated BPO's and Field Inspectors are hired out by Litton to stake out and secure homes in foreclosure. These inspectors break locks to do inspections, removed contents of homes and make repairs. Cousin believes this is the case in her cousin’s breaking and entering of his home. Cousin also believes that purchasers are same Field Inspectors that brought into her cousin’s home are the same ones that purchase his home at the Auction Sale.

Purchasers has a business called 1st Baltimore Acquisition and Prosperity Systems run a scam artist real estate outfit are located in Baltimore, Maryland. Cousin has checked records with the Court of Deed and Records and has information indicating that purchasers have many other properties in their name that they acquired from Tax Sales . Victims home was fraudulent auctioned off, April 11, 2005 for a low-ball auction by sub trustee lawyers, “The Friedman Law Firm, attorneys for Litton has unclean hands and is believe to be in cahoots with Purchaser’s named above that bid on my cousins home at Auction sale defaulted on their loan settlement agreement contract for up to (5) months.

Victims next of kin filed her appointment of Personal Representative with foreclosure clerk's office and informed the court that victim was deceased. She also, asks for a MOTION TO VACATE FORECLOSURE, EMERGENCY INJUNCTION TO STAY AND HEARING. The court ignored and/or denied all of her court actions. The court also did not remand case to Probate court as required under ESTATE AND TRUST LAWS OF the state of Maryland. This should have been done in lieu of filing a foreclosure action, since WAMU, Litton, U S Bank, NA, as trustee, and sub trustees were all aware of victims death before filing foreclosure action. Alvin Friedman, attorney for Litton sent written correspondence to the hospital and Shock Trauma unit were victim was hospitalized and also later died.

Cousin of victim, as PR requested HUD COUNSELOR'S to ask Litton and its lawyer's to reinstate vicitms loan so she could recoup her family members home. Again, lawyer's ignored cousin's request and asked court for a resale that was granted on September 8, 2005. The lawyer has posted resale for October 14, 2005 in the Daily Journal. When cousin telephoned attorneys to verify Resale, she was told at the last minute, attorneys canceled Auction Resale without notifying her or the court. She was also told during telephone conversation that defaulted purchaser had came up with loan financing for vicitms home sometime in late September 2005 or early October 2005.

The auction purchasers multiple listed victims property with real estate outfit name Icon Realty located in Baltimore put home back on the market for a resale for twice the price, which is PROPERTY AND LOAN FLIPPING. Defaulted purchasers did not transfer DEED OF TRUST or title out of victims name UNTIL NOVEMBER 11, 2005. However, it was a deliberate and intentional act Litton, its lawyer's and with the aiding and abetting of the court kept cousin from intervening to save her victims home. Even though under the law as Personal Representative she had full rights under the law to take control of her family member's estate and protect his estate.

Finally, an attorney claiming to be an auditor whom the Baltimore Circuit Court clerk claimed they did not know, as well as the City Comptroller's Office was hired by The Friedman Law to handled the Accounting Report for the distribution of Auction Sale. The Accounting Report he compiled was flawed and fraudulent and did not include the theft of my relatives personal property.

So called Auditor overcharged late fees, interest, foreclosure/auction fees, and attorney fees which is illegal racked up over $17,000 illegal fees. I requested that he include in his report the theft of my relatives personal property. However, he became very agitated hanging the phone up on me. Since there is no monitoring by the court or any one else for that matter, he was aloud to get away with this.

After stealing the decedents home and all of his property inside. The poor deceased man didn't even received a decent burial. Instead of the hospital trying to locate his family, they use his body for research and then cremated him leaving his ashes at the Corner's Office with a bill rendered for their services.

The cousin said, she will never rest until she and her cousin get closure and also justice for what happen to him.

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Exposes happen for a reason. Let�s me say this clearly. I�m just an ole city cowboy trying not to fall out of my saddle. As Ed Attanasio wrote, unfortunately, when they're in the spotlight they're subject to the brightest lights. You may not like exposes, which is your right. You may think it's NOT your or anyone else�s business, which is your right. If I find that it is MY business, I can read about it and write about it. That's my right and my freedom. Mortgage fraud, foreclosure fraud, loan mod fraud, perjury and especially corruption is so shabby and sick that I think it's important. My intent is not simply to chronicle these events. Have we not learned lessons from bureaucrats, lawyers, politicians, corporatist, and judges? I have explored tributaries to the river of events. These exposes are stepping stones out into muddied, often very deep, water, complete with rough edges and breaking waves.

Government executives, administrators and all government employees, businesses, both non-profit and profit, legal and not legal, and every single one of their owners and employees, and all religious participants are ever increasingly more vulnerable to exposure, and accountability. Consumers have become bolder that their payment means total accountability for what consumers paid for. Consumers are less likely to keep to their place, do as they�re told and keep their opinions to themselves. Today�s governments, businesses or religions that dismiss or ignore consumers do so at their own risk. The Internet is free at public libraries, free at many businesses and free to anyone that wants to crawl on to it from a nearby wireless connection. Consumers of these goods and services more often than not relate bad experiences over good experiences. Exercising their freedom of speech rights where legal and illegal in other countries, they not only spell out and link the offending business� name and location, but also the offending employees and/or owner�s names and locations. They spell out in great detail, and link with supporting documentation, their complaints. I am glad to see �Gone are the days where settings from Auschwitz to Abu Ghraib contaminated in isolation both superiors and subordinates.� I am glad �the Internet is real-time exposure forcing attention, and repercussions.� I am glad �The result has been an increase in holding others accountable, just saying no and exposes.� Governments, schools, teachers, businesses, attorneys, judges, Realtors, home loan lenders, doctors, mechanics, hospitals, religions, etc. should be �relentlessly interviewed, closely monitored, increasingly resisted, and constantly scrutinized.� �Online exposes and nastiness� happen for a reason. Reasons like bad customer service or injustice. �As the realization sinks in that the Internet is also a real time conduit of ones� reputation,� customer service will be deliberately forced to get only better. I have come to the recent conclusion that the Internet has made the Better Business Bureau a dinosaur. The BBB does not publish what the complaint is, and without that, the complaint is useless.

That�s another reason why there is an increase on the Internet of complaints and exposes. Too often, ranks have closed in around an offending member and protected them rather than hold them accountable. Or worse, the accused makes threats against the complaintant and witnesses, or bribes are offered by the accused and accepted by the investigator(s), prosecutors and/or judges, and editors. The Internet is the medium to not only expose the offending member, but also these cover ups by those paid to investigate, judge and punish offenders. Public records are public to protect the public. That�s why our publicly elected officials voting records are public. That�s why publicly elected officials can only have public meetings �putting their opinions and conclusions easily available to everyone.�

FIRST AMENDMENT RIGHT TO ANONYMOUS FREE SPEECH The U.S. Supreme Court has ruled repeatedly that the right to anonymous free speech is protected by the First Amendment. A much-cited 1995 Supreme Court ruling in McIntyre v. Ohio Elections Commission reads: Protections for anonymous speech are vital to democratic discourse. Allowing dissenters to shield their identities frees them to express critical, minority views . . . Anonymity is a shield from the tyranny of the majority. . . . It thus exemplifies the purpose behind the Bill of Rights, and of the First Amendment in particular: to protect unpopular individuals from retaliation . . . at the hand of an intolerant society. The tradition of anonymous speech is older than the United States. Founders Alexander Hamilton, James Madison, and John Jay wrote the Federalist Papers under the pseudonym "Publius," and "the Federal Farmer" spoke up in rebuttal. The US Supreme Court has repeatedly recognized rights to speak anonymously derived from the First Amendment. The right to anonymous speech is also protected well beyond the printed page. Thus, in 2002, the Supreme Court struck down a law requiring proselytizers to register their true names with the Mayor's office before going door-to-door. These long-standing rights to anonymity and the protections it affords are critically important for the Internet. As the Supreme Court has recognized, the Internet offers a new and powerful democratic forum in which anyone can become a "pamphleteer" or "a town crier with a voice that resonates farther than it could from any soapbox." On December 21, 2007, Superior Court Judge Terence Flynn granted EFF's motion to quash the Township's September 26th subpoena seeking the identity of the truthsquad and denied a motion by the township to authorize future subpoenas, finding that the subpoena amounted to "an unjust infringement on the blogger's First Amendment rights" and that the blogger "has a right not to be drawn into the litigation." Judge Flynn denied the motion for a protective order, finding that it was unnecessary at this time. More from Judge Flynn's ruling from the bench: "And I [...] recognize that there are First Amendment issues with regard to disputes with the past administration. And that anyone [...] has a right to make their feelings clear. And they have a right not to be intimidated by the issuance of discovery requests in order to shut them down. For that reason, in many ways, the authority cited by the intervenor is correct and accurate. And first of all the [...] blogger, if in fact it�s an individual person, and I�m assuming absent any evidence that it is another individual person, has a right not to be drawn into the litigation and forced to reveal identity or to impede on his or her First Amendment rights simply on a suspicion, however founded or unfounded, and I don�t believe that this suspicion is sufficiently founded at this point to determine that it is Mr. Moskovitz. That person should not be drawn into the litigation and forced to abide by the rules with regard to exchange of information that the parties have, as opposed to a third party. So the Court is satisfied that there is no authority under law for this particular subpoena to obtain this private information. To allow the subpoena would be undue and unjust infringement on the blogger�s First Amendment rights. There�s no factual basis at this point, other than a mere suspicion for the justification. And ultimately that even if the information were obtained, it would be so remote to the actual elements of this litigation that it would not be admissible under any circumstances." �

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My Good Buddy, The Loan Officer

No wonder Nevada turned out to be the state with the highest mortgage fraud and now foreclosures.

We�re $100,000 upside down, underwater which means we owe $100,000 more than the property is worth. If the Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, or Glen Lovedahl had done their job, Nevada wouldn�t have tragically ended up number one in mortgage fraud and now foreclosures and the rest of us find ourselves now underwater on our loans - owing more than the property is worth.

When I bought my first home a few years ago I went to my good buddy Sam Britt, a then Wells Fargo Alternative Credit Specialist. Translation, sub-prime. My good buddy Sam Britt hated my wife�s credit, said I�d have to do the loan without her, which means she wouldn�t be on title, and the interest was only fixed for the first two years, and its rate was almost twice what I�d heard, but hey no problem, we�ll be refinancing just before that. Do the same thing then that we�re doing now; roll all the loan costs into the loan. No problem.

The first problem, besides second problem, the too large payment, third problem, the only two-year guarantee, and fourth problem, with really no guarantee to be able to refinance in those two years, the first and foremost problem is my wife just didn�t get why she�s not going to be on the title.

I�d heard from others about the government�s loan, a VA and I�m one. I asked my good buddy Sam Britt. He referred me to a VA Specialist but first told me not to let them know I am married. Does that mean she�s not on title I asked. Yeah, said my good buddy Sam Britt, but no problem. We�ll add her after we close. Escrow�ll do it for us.

I met with this VA Specialist. She had me at a 30 year fixed VA loan. The interest was around what I thought it to be. I had some closing cash out of pocket, but no problem. The wife and I go shopping for a house. We make an over asking price offer upon the recommendation of our real estate agent and found our offer accepted.

I got all the way to the signing at the escrow office. I�m married. They want my wife�s signature. My wife is excited that someone is admitting our marriage. My VA loan officer was surprised to found out I�m married and that my good buddy Sam Britt had told us to lie that we were not married for this VA loan as my good buddy Sam Britt felt my wife�s credit would have killed the VA loan. The VA specialist was able to salvage the VA loan as it turned out the wife� credit had issues that the VA loan officer was able to get resolved. She was pissed because she hadn�t been told earlier. She was also worried about mortgage fraud so she brought the Sales Manager to talk with us about what my good buddy Sam Britt had done to us. The Sales Manager said he didn�t want that kind of slimy business dealing here and referred us to a Karen Benson at Wells Fargo, fax # 612/312-7205. My good buddy Sam Britt later went to Countrywide Home Loans.

If my good buddy�ll do that to me, think what all those others did. My good buddy loan officer, mortgage consultant, alternative credit specialist Sam Britt first tried to get us into one of those toxic sub-prime loans. Turned out the reason was he gets more money for those loans. Lots more money.

Then only upon our pressure did he pass us on to an VA specialist. I found out VA loans were far less profitable to the bank and loan officer than the toxic sub-prime loans. Unfortunately, we really hadn�t yet figured out that our good buddy Sam Britt was not such a good buddy when it came to money. Having us lie we found out is mortgage fraud. And it�s all in writing so we�re tripping we�re so freaked out. Mortgage fraud! Felony! Million dollar fines! This Karen Benson at Wells Fargo, fax # 612/312-7205, told us our good buddy Sam Britt�s story was he never did or said any such thing. And that we had obviously lied on our own initiative to the Wells Fargo VA specialist. Yeah right. The police never followed up on our financial fraud report. Scott Bice and Sheila Walther at the Nevada Mortgage Lending Division didn�t care either. Sheila Walther told me she saw no problem upon the coaching of our loan officer with lying on the loan application about leaving off my wife who is a stay-at-home mom. That�s the job of the loan officer to get us a loan, Sheila Walther said. Your wife has no income so not relevant to the loan Scott Bice told us. That�s the same thing that Glen Lovedahl with the Reno FBI told us. We told Scott Bice, Sheila Walther and Glen Lovedahl that the VA specialist and the Wells Fargo Sales Manger had both told me it was clearly mortgage fraud, Federal felony, fines as we lied on a Federally insured home loan. I, we, wouldn�t have known to lie, or how to lie, if my good buddy Sam Britt hadn�t coached me to and how.

Wells Fargo, Countrywide, all those lenders do not rock. Neither does the Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, or Glen Lovedahl. No wonder Nevada turned out to be the state with the highest mortgage fraud and now foreclosures. If the Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, or Glen Lovedahl had done their job, Nevada wouldn�t have tragically ended up number one in mortgage fraud and now foreclosures and the rest of us find ourselves now underwater on our loans - owing more than the property is worth. In our case, we�re $100,000 upside down.

How can so many people and departments not do their job? All these people were and are paid with taxpayer dollars. I see that no as different than what U.S. Senator John Ensign, R, NV, did with his misuse of taxpayer dollars when he paid off his staffer-mistress and her husband, also on his staff. Not doing a publicly funded job is also misuse of taxpayer dollars. I am a taxpayer. I demand accountability from Nevada Mortgage Lending Division Scott Bice, Sheila Walther, the police, Dick Gammick, the FBI, and Glen Lovedahl. I want all of them to be forced to give back all their salaries for not doing the job they were hired and trained to do with taxpayer dollars. God knows we are paying the price for their failures.

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