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Bank of America Attempts Another Theft of an American Home with a PAID OFF MORTGAGE | Maria and Jose Perez v. Bac Home Loans Servicing Lp, ReconTrust, Na

MARIA AND JOSE PEREZ
v.
BAC HOME LOANS SERVICING LP, RECONTRUST, NA
From the complaint…
PLAINTIFF’S VERIFIED ORIGINAL PETITION
APPLICATION FOR TEMPORARY RESTRAINING ORDER,
PRELIMINARY INJUNCTION
AND
REQUESTS FOR DISCLOSURES AND ADMISSIONS
TO THE HONORABLE JUDGE PRESIDING:
Plaintiffs
Maria and Jose Perez, husband and wife, residents of Seguin, Guadalupe
County, Texas (“Plaintiff”) complain of BAC Home Loans Servicing LP.,
(“BAC”) and RECONTRUST, N.A. (“Recon”) collectively referred to as (
“Defendants”) and for cause of action state:
Discovery Level
This action is governed by TRCP 190.3 (Level 2). Corporate Disclosure – Public Company
Bank
of America Corp., the direct or indirect parent of Bank of BAC Home
Loans Servicing LP., and RECONTRUST, NA, is a publicly traded, NYSE
(symbol BAC) company. Jurisdiction and Venue
This
action seeks damages within the jurisdiction of the District Court.
The District Court may quiet title and enter declaratory relief. See
Tex .Civ. Prac. & Rem. Code §37.0041
Venue is proper under the mandatory venue rules, C.P.R.C. § 15.011(a) (5)2 as this action seeks to determine that Defendants have no present right to foreclose on Plaintiffs’ home and to quiet title, remove encumbrances and obtain damages arising from Defendants’ wrongful efforts to collect a previously paid note and deed of trust covering Plaintiffs’ home, property located in Seguin, Guadalupe County.
At
the risk of oversimplification, Wall Street’s interest in
“securitizing” mortgages by creating mortgage backed securities to be
sold without specific reference to the underlying mortgage loans
resulted in efforts to free up transfer of interests in the loans
(notes secured by deeds of trust) by eliminating traditional elements
of transactions in notes secured by deeds of trust covering real
property, specific endorsement of the note and recorded assignment of
the deed of trust in the county real property records. The “mortgage
backed securities industry” did so by avoiding that paper work and even
the nominal fees for recording of the assignment of the mortgages by
using a “straw lender” or “nominee” to be the named beneficiary of the
recorded original deed of trust when the loan was made. Using this
short cut, assignments of notes secured by deeds of trust (mortgages)
were no longer recorded in the real property records where the property
securing the loan was located.
Mortgage
Electronic Registration Systems, Inc. (“MERS”) entered into the
business of being the recorded entity as “nominee” for the true lender.
According to MERS’ statements about its history, MERS has “saved”
lenders “billions in recording fees.” But at the price that there is no
open public record to inspection of who was or is the actual assignee
of the loans secured by real property.
In
2007 Maria and Jose Perez purchased the property and improvements
commonly called 148 Tonto Trails, Sequin, Texas and legally described
as: LOT: 107 BLK: ADDN: GERONIMO’S HAVEN (the “Property”). This
purchase was financed in part by a note payable to Mortgage Electronic
Registration Systems, Inc., as nominee for Morgan Financial d/b/a
Morgan Funding and secured by a deed of trust covering the Property
recorded at Real Property Records Book 2559 at page 512 (the “Morgan
Loan”). There are, on information and inspection of the real property
record of Guadalupe County, no recorded assignments or transfers of the
Morgan Loan to BAC.
In August 2009
Plaintiff’s paid the Morgan Loan in full with the proceeds of a
refinancing loan. This payment is shown by the records of Orange County
Title Company of Texas (see Business Record Affidavit attached and
incorporated herein) documenting payoff of the Morgan Loan by the title
company’s wire transfer of funds effected on August 5, 2009. The
payoff was made to the Mortgage Servicer of the Morgan Loan, Taylor
Bean & Whitaker.
BAC attempts to collect the Perez’s “Morgan Loan”
BAC
claims to have received rights in the Morgan Loan from Taylor Bean
& Whitaker as of September 1, 2009. Notwithstanding that by then
the Morgan Loan was fully paid, BAC has attempted repeatedly to collect
the paid off Morgan Loan.
Since
September 2009 BAC has sent collection letters, dunning statements and
threatening letters to Plaintiff demanding payment of the Morgan Loan.
Among the letters sent to Plaintiff after the Morgan Loan was paid off
were two sets of notices that the Morgan Loan shortly would be
transferred to HUD and that Plaintiff's were going to lose their home.
Had enough yet America?
This is happening at an alarming rate.The property records are so screwed up that the "banks" don't even know who owns what...
And you're paying your mortgage because???
Full complaint below…
~
4closureFraud.org
Maria and Jose Perez v. Bac Home Loans Servicing Lp, Rec on Trust, Na
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This makes me sick. Absolutely sick. I hope these fucking banks detonate one by one. I pray and root for their demise and collapse every day.
My country has become a fucking joke.
It's sad but it will take another disaster to wake Americans from their Lazy Boy recliners. We have to stand united against these fuckers. I'm sick of being robbed blind and enslaved by these fucking bankers and politicians. I hope they fucking die.
Whatever, I think the new slogan works!
It staggers the mind to try to imagine what this means for New York, where the foreclosure process is tilted so far towards owner rights that even before these issues cropped up, it already took an average of almost four years from default to eviction of the former owner. Even the completely uncontested foreclosures take at least two years. The court system is still working on foreclosing people who defaulted before the bubble even popped, and those judges and referees kindly draaaaaaaaaaaagggg out the process while most of the freeloaders are also pile up tax liens to boot.
From the numbers of cases piled up in NY courts, looks to me like there'll be a steady diet of foreclosures through at least 2014. And I doubt the banks even want to try and count how much more losses they'll be taking.
Yum.
It staggers the mind to try to imagine the economic and social damage done by the countless abuses of the rule of law, by lenders and servicers, foreclosure mills to corrupt courts (especially in Florida)
So, you will excuse us if we can't find the energy to shed a tear for NY lenders. No one forced them to do business in that state, correct?
thank you for publishing!!
i am not surprised about the bankster terrorism inflicted upon these people. i hate bank of america and have for many many years....
i am a huge advocate of corporate capital punishment and disembowling corporate laws which allow slugs and fuckoffs to perpetrate this evil with impunity.
The executives of every large bank and every large financial corporation should have 10,000,000 year jail sentences for what they have done. And I suspect that is being very conservative.
This whole FICTION that is "corporation" (and "government") must be ended. This scam allows the most egregious predators in the history of mankind to lie, scam, cheat, defraud billions of people on an astronomical scale... but never face any personal consequences. This must end. And the ONLY way this will end is to eliminate the monsterous fraud that IS the "fictitious entity". Most people don't realize this scam (corporations) didn't even exist in the late 1700s when the USA was formed. People transacted with directly people, so everyone knew who to sue or charge (or shoot if necessary) when they were cheated. This massive fraud and fiction that is rightly called "fictitious entity" must be eliminated. Otherwise, the honest, ethical, productive people of this world will be permanently enslaved by the predators. END all fictitious entities, and let every human be fully responsible for his actions.
Limited liability corporations (aka artificial people) need to go.
no. the executives of those corporations need to be held accountable for their malfeasance, just like the captain of a ship.
Yet, at EVERY TURN, from 911 to BP to foreclosuregate we hear nothing other than "I am not responsible, I did not know, I had no way to know."
Meanwhile they steal everything not tied down. But we prosecute Martha Stewart. The entire SYSTEM is rotten.
How was Busch not impeached for 911? Or Condi Rice? If not for the incompetence of that level of fail - which would get you or I FIRED IMMEDIATELY if we fucked up that badly - but for the bold-faced lies they told about the whole thing being unanticipatable, which was complete bullshit given that not just within the previous couple of years muslims had tried to do the SAME THING.
No heads rolled. Money was just paid to shut the repugnant 911 "survivors" up...we are a nation in which the Holy Dollar rules everybody's lives. We have no morals, no principles. We love only money. We love money so much that I'm suprised we haven't all named ourselves after it, as a certain group known for historical love of money has been fond to do.
Hear! Hear!
WELL SAID. Very Eloquent.
I just sent off a letter to my servicer today with regards to them faxing me a copy of my note with my signature being fraudulent. I didn't focus on a "civil" lawsuit or look for some big payout, instead, I focused more on the criminal aspect. This crap does have to stop and some people need to start going to jail. Here are a few statues I cited in my letter as they pertain to Texas. I gave them a deadline of 21 days to release my mortgage and pay me back my principle and interest payments or I would file a criminal complaint and press charges.
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1) No recording of the claimed note or deed at the local courthouse.
Texas Property Code Sec.13.001. VALIDITY OF UNRECORDED INSTRUMENT.(a)A conveyance of real property or an interest in real property or a mortgage or deed of trust is void as to a creditor or to a subsequent purchaser for a valuable consideration without notice unless the instrument has been acknowledged, sworn to, or proved and filed for record as required by law.
2) Verification of the original “wet ink” or “blue ink” documents.
Texas Property Code Sec. 12.0011. INSTRUMENTS CONCERNING PROPERTY: ORIGINAL SIGNATURE REQUIRED FOR CERTAIN INSTRUMENTS. (a) For the purposes of this section, "paper document" means a document received by a county clerk in a form that is not electronic. (b) A paper document concerning real or personal property may not be recorded or serve as notice of the paper document unless: (1) the paper document contains an original signature or signatures that are acknowledged, sworn to with a proper jurat, or proved according to law; or (2) the paper document is attached as an exhibit to a paper affidavit or other document that has an original signature or signatures that are acknowledged, sworn to with a proper jurat, or proved according to law.
3) Forged Signature on faxed Note claiming ownership by Citimortgage Texas Penal Code Sec. 32.21 States: FORGERY. (a) For purposes of this section: (1)"Forge" means: (A) to alter, make, complete, execute, or authenticate any writing so that it purports: (i) to be the act of another who did not authorize that act; (iii) to be a copy of an original when no such original existed;(B) to issue, transfer, register the transfer of, pass, publish, or otherwise utter a writing that is forged within the meaning of Paragraph (A); or (C) to possess a writing that is forged within the meaning of Paragraph (A) with intent to utter it in a manner specified in Paragraph (B). (b) A person commits an offense if he forges a writing with intent to defraud or harm another. (d) An offense under this section is a state jail felony if the writing is or purports to be a will, codicil, deed, deed of trust, mortgage, security instrument, security agreement, credit card, check, authorization to debit an account at a financial institution, or similar sight order for payment of money, contract, release, or other commercial instrument.
4) Other potential criminal code violations
Texas Penal Code Sec. 71.02. ENGAGING IN ORGANIZED CRIMINAL ACTIVITY,
Texas Penal Code Sec. 37.10. TAMPERING WITH GOVERNMENTAL RECORD, and
Sec. 4.02. MONEY LAUNDERING. (a) A person commits an offense if the person knowingly: (1) acquires or maintains an interest in, conceals, possesses, transfers, or transports the proceeds of criminal activity; (2) conducts, supervises, or facilitates a transaction involving the proceeds of criminal activity; (a-1) Knowledge of the specific nature of the criminal activity giving rise to the proceeds is not required to establish a culpable mental state under this section. (e) An offense under this section is: (1) a state jail felony...
Texas Penal Code Sec 32.47. FRAUDULENT DESTRUCTION, REMOVAL, OR CONCEALMENT OF WRITING. (a) A person commits an offense if, with intent to defraud or harm another, he destroys, removes, conceals, alters, substitutes, or otherwise impairs the verity, legibility, or availability of a writing, other than a governmental record.(d) An offense under this section is a state jail felony if the writing: (2) is a deed, mortgage, deed of trust, security instrument, security agreement, or other writing for which the law provides public recording or filing, whether or not the writing has been acknowledged.
5) Release of Fraudulent Lien
Texas Penal Code Sec. 32.49. REFUSAL TO EXECUTE RELEASE OF FRAUDULENT LIEN OR CLAIM. (a) A person commits an offense if, with intent to defraud or harm another, the person: (1) owns, holds, or is the beneficiary of a purported lien or claim asserted against real or personal property or an interest in real or personal property that is fraudulent, as described by Section 51.901(c), Government Code; and (2) not later than the 21st day after the date of receipt of actual or written notice sent by either certified or registered mail, return receipt requested, to the person's last known address, or by telephonic document transfer to the recipient's current telecopier number, requesting the execution of a release of the fraudulent lien or claim, refuses to execute the release on the request of: (A) the obligor or debtor; or (B) any person who owns any interest in the real or personal property described in the document or instrument that is the basis for the lien or claim.(b) A person who fails to execute a release of the purported lien or claim within the period prescribed by Subsection (a)(2) is presumed to have had the intent to harm or defraud another.
Good for you Nacho. Sometimes when a man is a man, he must wear tight pants and take on the banks"!
You have to love Texas Law. It is pretty straight forward. Even the Oil men knew when they stole land for oil, they made sure from there on out there was a "title chain" and made it rigorous and necessary steps to change or tend that title.
GOOD WORK.
KEEP US POSTED.
I live in Texas as well.
BTW, Number 5 is a good one. That means all the MERS titles are all "Fradulent" under that legal standing, even if they had the wet ink. And CountryWide was HQ'ed here, and ALL their loans were not turned over to BAC either.
Class Action?
Was yours with BAC???
Mine is with Citimortgage. I'm not in foreclosure, but I called to make sure they had all the proper paperwork so that when I did pay off my mortgage one day, I would get clear title. They faxed me a note to "prove" they owned it. My signature on the note the faxed did not match the one I had on file or what was in the county records. I sent them a letter requesting all information and documentation with regards to chain of title, wet ink signture, etc. etc. and the only thing they told me was they were the servicer and Fannie Mae was the investor. Not the response I was looking for.
So, I wrote up a letter telling them that they're lack of response seemed to indicate they are aware that they are in possession of a fraudulent document. I told them they had 21 days to cure the problem (I didn't blame them for the fraud). Basically, the issue is that they are now aware of the fraud and they have to cure, if not, they run afoul of criminal law. And I WILL file criminal charges.
And the pants, they are the tight stretchy kind.
Sister Encarnación: Because those men fight for vanity, for money, for false pride. Nacho: Yes it's terrible, terrible. But is it always a sin to fight? Sister Encarnación: No. If you fight for something noble, or for someone who needs your help, only then will God bless you in battle.Well Played, Well Played!!
I like Sister Encarnación, very much!
You sir are then "blessed in battle". I do post porvocative posts here, but yours is truley great.
21 days? Can't wait. Send it into the Atty. General.
Thank you. I will keep the ZH readers updated on what happens. I'm really thinking that taking it to the Sheriff department's white collar crime unit is the way to go. They can issue warrants for arrests and such. The great part is that the letter I received ignoring my request for detailed information did tell me that I can write to their Dallas address for any other questions I might have. So, they do have a branch here in Texas and I don't think it would b e that difficult to issue and arrest warrant for some people in Dallas and have them picked up and sent down here to South Texas.
do you honestly believe you are going to get any state attorney to seek an indictment?
I don't know if the state attorney will do it, that is why I will press charges with the local authorities. My neighbor across the street is an assistant DA and my other neighbor is an ex assistant DA in private practice. Since there is also a civil component to this, punitive damages can be awarded so that would be interesting to an attorney. But I really just want to see some arrest warrants go out for forgery and fraudulent docs.
yeah good luck with that. They'll probably tase you for expecting them to do their job or for the audacity of trying to enforce the law without their plenary control of it.
Maybe BAC needs a corporate "modification" by a suitable amount of explosive?
They keep doing this crap, and the courts keep letting this crap slide in favor of Banks, it will take just one wronged person that loses everything to .....
Can you say "Truck Bomb"?
Expand your theme a bit, global scale, add social maleficence to the financial aspects, and I think you're line of thinking will fit right in with them nineeleven fellows.
No not in any way. The 9/11 "fellers" are a religious sect declaring war on the United States for social and religious issues. Additionally, the "9/11 fellers" also go after "innocent civilians". There is nothing innocent about the corrupt banker hegemony, and in my mind they deserve it in spades for the damage they have done to the Citizens of this country as well as the economic havoc they have visited upon the entire globe.
The crazy individual that has lost everything to a criminal organization that operates illegally, and responds back to that the only way an individual (read that by himself and on his own accord) can to a large corporation.
If that is all he has left, that is all he has. Americans have always stood up and took action against the criminal corrupt hegemony. I would applaud the madman's efforts. And the banks had better catch a clue and knock this shit off.
I would laugh my ass off it it happened. The first thing the banksters would do is run to the Congress for "protection". Why would a Corporation need such protection against one man on a sucicide mission?
You can spin it to fit your corrupt illogical and unintelligent view, that is your right. But don't put words in my mouth.
It is only simply a matter of time before someone takes this actions.
That is how far out there the banksters and the corrupt financial hegemony of Wall Street and K Street is, the do not recognize the gathering storm and onslaught by tens if not hundreds of thousands of damaged people, made from the banksters own mold. The monster returns to kill the creator.
I see it more as a Mary Shelly's Frankenstien story, than terrorism. The banksters made the monster took the risks yet do not want the consequences of their actions i.e. going broke, buying back the trash, recording it on their books and balance sheets, and then dealing with all those pissed off former customers, that they ripped off. Remember it is not only the mortgage recipients, it is also the pensions and the investorsa that were defrauded. That list wanting blood and payback from these corrupt selfish putrid filth called bankers is LOOONNNNGGGG. And everything is written down and recorded. People know who is responsible.
Seems like to me more of a "Free Market" issue resolving itself.
Not trying to put words in your mouth, just trying to get words out of your mouth.
Applauding madmen? Now there is a non-corrupted, logical, and intelligent view. Anger, angst, strife, frustration, disaffection, desperation, is what I hear. The madman will most certainly take precautions like protecting the innocent kids in the day care center, right?
Clueless wonders never cease.
Wishing harm to evil doers everywhere is about as far as some people ever get.
Another "no prison time" miscue by BoA
http://www.zerohedge.com/article/bank-america-attempts-another-theft-ame...
This nonsense will stop when they fill the prisons up with these banksters.
Perhaps the bank really hasn't been paid, and someone has "diverted" the funds elsewhere.
Of course, if the paper is being used a security in another instrument or 6, then the trail is going to be complicated.
I hope these people get some really fine redress from the courts.
Judges; are you shitting me? Rule of Law in America is dead.......... Bankers bought them off too. Just like the politicians......
I respectfully disagree. Thanks to the Supreme Court of the State of New York, and some judges who actually do their jobs - Judge Schack has become a legend - foreclosures have ground to a virtual halt in the state. Remember that NY is where a lot of good law has come from, like trust law, upon which the banks will eventually be hung.
First, our dearly departing Governor Patterson - bless his soul - pushed a law through the assembly that made lender-borrower conferences mandatory on all foreclosures. That was in 2008-9. When BofA decided to unilaterally suspend foreclosures back in October of this year, the chief administrative judge passed a rule requiring that the LAWYERS vouch for the veracity of all documents, thus putting the law firms on the hook for the banks' fraudulent paperwork.
Now, the lawyers are reluctant to proceed on cases which involve questionable assignments from BAC to MERS or vice versa, or just about anything involving MERS.
The judges are back to a normal working schedule - well, almost, as the caseload has slowed. Texans can shout all they like about how rough and tough they are with their guns and lassos and bulls---, but here in New York we use the law to keep civil order, usually.
Besides, the state and counties depend highly on some of the highest RE taxes in the country, so they weren't about to turn over a lot of homes to the corrupted banks. Rather have actual people living in them and maybe paying, than a bunch of crooks letting the neighborhoods deteriorate.
The law has worked in NY so far.
And this is, of course, why this ISN'T a little paper work problem. Or why these very careful chains of paperwork ownership exist. Which is why the friggin judges need to do their goddam job and follow the friggin rules.
Caveman,
I know the horse is out of the barn for millions of borrowers, but can't each state now change their laws to force BAC & others to record the transfer of the note to MERS in the public records of the state? And, if the lenders don't comply they'd lose their license to operate within the state. I really don't know enough to understand everything that's going on, but it seems like there should be a way to put the brakes on MERS at the state level.
Each state has their own rules to a certain degree and then the Federal Laws like TIL (Truth in Lending) Apply. It's my guess that things are pretty desperate now. I just refinanced my mortgage with the local credit union and 2 weeks before I was to make my first initial monthly payment, I received a letter stating my mortgage was was sold to Fannie Mae.
Well, let's see. Mortgage transfer and filing fee = say about $1000 each house on average, times the amount of mortgages assumed from countrywide, wamu, wachovia etc etc etc...
hmm that's a lot of cash. and that would have gone to some bankrupt states that could use the cash.
No matter, most mortgages are owned by Uncle Sweetie now anyway.
You see, it is not just the defaulting mortgages that were never transferred properly, it was just about all of them.
The "title Registration" is done at EVERY COUNTY COURTHOUSE IN THE COUNTRY>
There aer already "laws on the books" that prevent this crap from happening.
Answer me this, how come in the long history of Real Estate transactions we have NEVER had this problem? However, when banks are allowed to "securitize debts" via RMBS and CRMBS, CDOs, and CDS and the repeal of Glass Stegal this is what we get?
Glass Stegal may have been recended, however the correc, legal property transfers are at the County Level. Feds have NOTHING to do with this. And the need to stay the hell out.
Let the County Clerks catch holy hell from families illegally booted from their homes.
Remember in Texas you can shoot somebody legally stealing your posession.
I would think that BAC needs to re-consider their "Foreclosure position" and consider a pissed off Texan that is armed and legally able to use said arm.
I'm sure if the laws got changed (knowing law really means nothing in USA) they would be for the banks and not against them. to many judges politicians pension funds with shares in these crooks companies. Or just plain strongarming or stupidity (by judges) and people
I have been in the construction mortgage lending business for years and have never seen such utter nonsense! We make sure all of our paperwork is in tip top shape not excluding assignments are executed properly but that discharges of mortgages are properly drawn and executed in an urgent manner. What pisses me off the most about all this is that I have busted my ass for 7 years making sure we did our shit right and these hosers can just be sloppy and not have a care in the world as to whom it make affect. I hope BAC et al rot in hell for this.
This crap is never going to end until some judges start slapping these banks with huge compensation fines. Like, when they do something like this, make them pay the people the entire value of the home. In other cases, make it where the homeowner gets the home free and clear of any debt. Judges need to start holding these banks in contempt. Otherwise, nothing will ever change and these crooks will figure out a way around the mess.
Anyone see the story yesterday of the woman who hasn't paid her mortgage in 25 years, and they can't foreclose because she keeps them piled up with court paperwork and filings to block them? This is what everyone is going to end up having to do.
http://www.newser.com/story/106827/florida-woman-fights-epic-foreclosure...
Anyone who gets foreclosed on in FL and walks out of their home, obviously is a fool. A rack of pitbulls, some cameras, and some weapons work better than paperwork.
Actually, asking the judge to revoke their corporate charter in that state, making it impossible for them to legally conduct business in that state, might be a useful thing to tack on. Would certainly get their attention.
it's sad that we don't have an honest system and you have to root for women like this; fuck the banks. Steal from them every chance you get. It ain't like they really HAD the money in the first place, it's an accounting line item conjured from thin air.
This crap is never going to end until some judges start slapping these banks with huge compensation fines.
No, it's not going to stop until a LOT of bankers are bleeding, screaming and literally dying from outraged homeowners.
BoA is a really scummy organization.
I've decided to close all my BoA accounts and go with another bank. They froze my credit (temporarily) while I was inquiring as to whether they really held the note on my house. I'm not being foreclosed, just wanted to know who was the legal owner of my house and making sure my payments were going to the proper party. Apparently having a credit freeze is a "permanent mark" on your credit score. Big deal. They sent me multiple threatening letters because of my inquiry. They are bullies and I will bleed them. The local BoA manager will be in tears when I close my account. I will insure it.
Any suggestions on reputable banks? Any sources to research a bank's bottom line?
Credit Unions are your friendz!
Try Weiss ratings. Google them, or Google "safe banks"
I hesitate to mention it b/c of the connection w/Cramer, but theStreet.com used to do bank ratings also (on an A-F scale).
Also, the FDIC maintains a good database (Statistics on Depository Institutions SDI) where there's tons of data on bank financials, current and historical. You can do you own due diligence...which you should anyway.
One thing to realize is that bank ratings are based on published data and that data for banks like BofA JPM, Citi, et al, is misleading b/c of mark-2-mkt rules suspension. Tread carefully.
nah, not gunna happen! this is a perfect side show to make americans feel like "we got those bastards" when they see these cases. its a perfect distraction while all the other shenanigans go on. gov in control of judicial system will make sure no judge anywhere makes a ruling that affects more than that case. banks are protected, a little fine, a slap on the wrist and away we go. in the mean time, a few lawyers have a job and they are not part of the 25% unemployment, a single homeowner feels good, and the years just tick away.
the system is not built to provide justice for the working class or to put elite crooks in jail.