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Here Is Your Chance To Check If You Are The Victim Of Mortgage Fraud
Wondering if you are one of those suckers paying a mortgage in limbo, with all the payments due to some non-existent mortgage noteholder getting retained at the servicer banks? Well, if you can spare 3 minutes then "Where's the Note" is for you. The website, which is on the verge of a viral break out, has a simple message: "Whether you are facing foreclosure, have an underwater mortgage,
or are just a concerned homeowner, it’s important that you contact your
bank and demand to see the original note on your mortgage. It only takes a few minutes using our free online tool." Quick, simple and easy. And in a few days your mortgage bank will have no choice but to tell you if they do in fact have your original mortgage note. And if not - welcome to cost-free living, courtesy of MERS and millions of rushed and fraudulent mortgage note assignments. Yes, it will mean the end of the GSEs, but it will also mean the accelerated write downs on thousands of MBS tranches which will rapidly collapse into insolvency (there is only so much Mark to Unicorn can cover up) and eventually take the insolvent TBTFs banks with them.
From Where's the Note's mission statement:
The Wall Street banks’ foreclosure system is a mess. Their total disregard for mortgage laws and standards is what created the foreclosure epidemic in the first place. Now, their total mismanagement is catching up to them. As of today, some of the largest mortgage lenders – JPMorgan Chase, Bank of America, and GMAC (now called Ally) – have been forced to halt foreclosures in 23 states and growing. We can’t rely on Wall Street banks to follow basic rules. We have to hold them accountable. At very least, they must provide the mortgage notes.
When Wall Street banks securitized, packaged, sold, and resold our mortgages, they created a system where it is often impossible to figure out who actually owns mortgage notes and therefore has the authority to foreclose on properties. But the big banks are getting tangled up in their own web. Recent events have exposed a handful of banks that are throwing families out of their homes even though they don’t have the mortgage note that proves they actually have a legal right to do so. There have been instances of two banks trying to foreclose on the same home, and in at least one case, of a bank trying to foreclose on a house where the homeowner had never even taken out a mortgage with anyone in the first place.
Whether you are facing foreclosure, have an underwater mortgage, or are just a concerned homeowner, it’s important that you contact your bank and demand to see the original note on your mortgage. It only takes a few minutes using our free online tool.
Execute your legal right to demand your mortgage note after the jump:
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Are you frustrated with Unions because you are unable to take advantage of collective bargaining?
FWIW, a duplicate of a post on another topic;
I copied the following from another blog:
"Beastie" posted the following:
"
More foreclosure info - put your tinfoil hats on
I did a little sleuthing tonight to see who owns MERSinc.org and the first place is to do a Whois lookup to see who registered the website.
I was surprised that they didn’t make it private. They registered it so long ago that privacy was a pay me more option. Guess they forgot about it.
Anyway the first address for tech contact etc. was here.
1595 Spring Hill Rd
Vienna, VA 22182
A quick google maps and this company www.ebrinc.com/ is located at this address.
If that doesn’t look like a govt. think tank I don’t what one is supposed to look like.
So the big mystery of where the MERs database is physically located is solved as far as I am concerned.
You folks are pretty good at ferreting things out, is there anything worth chewing over in this?
Shareholders played a critical role in the development of MERS. Through their capital support, MERS was able to fund expenses related to development and initial start-up.The following organizations are Shareholders of MERS.
http://www.mersinc.org/about/shareholders.aspx
I included this link in the post
http://www.corporationwiki.com/Maryland/Columbia/ericsson-federal-inc-45...
If you click that link you find all sorts of murky characters working out of that building all sucking on the govt. tit.
One of them happens to handle networking solutions for the gov. as well as the think tank I mentioned.
Here is a list of people who work for MERs at this location
Here is the whois entry on internic
Domain ID:D1742692-LROR Domain Name:MERSINC.ORG Created On:23-Dec-1995 05:00:00 UTC Last Updated On:23-Mar-2009 13:58:21 UTC Expiration Date:22-Dec-2014 05:00:00 UTC Sponsoring Registrar:Network Solutions LLC (R63-LROR) Status:CLIENT TRANSFER PROHIBITED Registrant ID:6670252-NSI Registrant Name:MERSCORP INC. Registrant Organization:MERSCORP INC. Registrant Street1:1595 SPRING HILL RD Registrant Street2:STE 310 Registrant Street3: Registrant City:VIENNA Registrant State/Province:VA Registrant Postal Code:22182-2228 Registrant Country:US Registrant Phone:+1.7037611270 Registrant Phone Ext.: Registrant FAX:+1.7037480183 Registrant FAX Ext.: Registrant Email:howards@mersinc.org Admin ID:43450904-NSI Admin Name:MERS Corp Admin Organization:MERS Corp Admin Street1:1818 Library St. Admin Street2:Suite 300 Admin Street3: Admin City:Reston Admin State/Province:VA Admin Postal Code:20190 Admin Country:US Admin Phone:+1.7037611270 Admin Phone Ext.: Admin FAX: Admin FAX Ext.: Admin Email:helmsh@mersinc.org Tech ID:43450904-NSI Tech Name:MERS Corp Tech Organization:MERS Corp Tech Street1:1818 Library St. Tech Street2:Suite 300 Tech Street3: Tech City:Reston Tech State/Province:VA Tech Postal Code:20190 Tech Country:US Tech Phone:+1.7037611270 Tech Phone Ext.: Tech FAX: Tech FAX Ext.: Tech Email:helmsh@mersinc.org Name Server:NS1.MERSINC.ORG Name Server:NS.MERSINC.ORG Name Server: Name Server: Name Server: Name Server: Name Server: Name Server: Name Server: Name Server: Name Server: Name Server: Name Server: DNSSEC:Unsigned
People at this address:
Outstanding beastie ;-)
Lots of related domains already bought, but bankssuckballs.com is still available
I just wish I knew why the SEIU is involved in this caper... if its what I think it is, .......very clever.
It's the SEIU, so wtf do you think it is?
Fill that shit out and watch all the e-mail/spam/phone calls you get from those pieces of shit.
I'm sure HuffPo will pimp this site now. Suckers.
HIGHLY SUSPICIOUS WEBSITE!!! (look at the co-sponsers)
SEIU - Andy Stern, Obama...enough said.
PICO - religious group that recently recieved a $600,000 grant from George Soro's Open society
IAF - part of the Soros HCAN (HealthCare for America Now) inner circle
National People's Action - part of Soro's HCAN, heavily tied to SEIU, was the group that terrorized the home of BoA executive Baer and only his son was home.
etc. etc. - you can look up the rest of the groups and they all have one thing in common...
1) Heavily tied to George soros
2) Heavily tied to SEIU, ACORN, and unions
3) Heavily tied to Obama
AVOID THIS SITE!!!....this is VERY, VERY FISHY
Yes. Do your OWN investigation, this is bullshit.
Setting up that type of web site would be a part of the standard Alinsky method of flooding and overloading the system until it breaks down. Every lender in the country will have to hire an extra thousand phone clerks who will obviously know nothing about mortgages. It will be a clusterFrig.
I wish I had a mortgage so I could not-pay too. I feel left out.
LOL.
you could join in the SEIU paranoia here
hook up with one of the many ZH'rs here planning to move out, then rent to unsuspecting tenants. . . I'm sure you could "default" on the "defaulters" if you like.
clusterfuck indeed.
If the mortgage was sold to one of the GSEs then you are pretty safe. The mortgages should be assigned to them and not put into the slice and dice pools. You would have received a letter from FNMA telling you that they bought your mortgage, if it is them.
The mortgage release would also come from them.
ummm, they did plenty of slicing.
The law is the law, even though SEIU and other marxists orgs are involved, those that have a mortgage should do this or something like it. But DO NOT use your real name and address on this website, put in bogus info then copy and paste the "Preview" into a WordProc and make the name/address changes, print, and mail yourself.
Oh and don't forget to spell check and proof read it, there is an incorrect word in there, no sense in sounding like an idiot.
I don't know who Esteban Lucero is, but I bet he's related to Urban Roman.
Everyone filling out the SEIU online demand email is contributing their name, address, email and servicing bank information to SEIU database.
Now just what could SEIU do with that? Heh heh
Please think before jumping in online... just sayin.
Request donations from me?
scumbag east coast mobsters
+1. SEIU = A bunch of thug punks.
Should I expect ZH to start allowing posts from the Black Panthers and the Klan?
My fault for not looking more closely before I used it--if nothing else, ZH is teaching me not to trust a single fucking website on the planet, including ZeroHedge.
zerohedge is a honeypot for the man
Sounds like that trust train left the station long, long ago. Toot! Toot!
I filled it out also. I think I'm fucked.
The Black Panthers started out as an empowerment organization. They fed school kids and helped out their own.
ZH has never censored people's speech. Other (members) have junked people, but ZH pretty much lets people dig whatever holes people want to dig for themselves.
Prove my property exists, bitchez!
Why would the banks tell the truth? How can you verify they have the original note? A copy won't do it.
Ridiculous to assert ZH has the same motive as SEIU.
I hope every single person with a mortgage demands to see the note. Then we can start to unravel this securitization mess and get on with healing our economy.
I also hope every single person with a mortgage demands to see the note, but do it independently from this site. TD should have put up some warnings as to its relation to SEIU. An abuse of trust? Then again trust no one.
I don't want the banks to be forced to restructure their mortgages. If that is the SEIU objective, then I don't support it. I think the buyers are as much to blame for irresponsible decisions as the banks. They were both greedy.
I just want this mess to get settled so we can move forward, and I certainly don't want my tax money to be paying for their greed.
I can go either way with the "warnings" concern. At some point, we must all do our own due diligence.
The banks AND borrowers should be held responsible for their poor decisions. The responsible renters are getting screwed in this deal.
"responsible renters"
Don't worry buddy, when you finish college you can move back into your mother's basement.
Thanks, but I finished school many years ago. I run my own company now. And you cannot argue for one second that renters are not getting screwed in this deal.
Agreed. A warning could be helpful, allowing time to sort through the info. A certain amount of trust in ZH has developed on the part of the readers. Foolish? Perhaps.
i think ZH needs to hire a shrink for you guys. tyler, quick insert a calming spray mist into ur keyboard before they riot.
did anyone notice that ZH posts a variety of opinions, news items and even pieces they obviously dont agree with on every point
Before TD posts anything from Goldman he gives a disclaimer, why would we not expect the same for the SEIU?
the SEIU name and address are relatively prominent on the first page.
regardless of the SEIUs ulterior motives, every borrower has a right to request the note information in an ongoing contractual relationship.
the form letter is too emotional and argumentative but appears relatively harmless. again, they prominently notify all readers the letter can be edited and they provide a tool for the same.
does anyone here disagree that a borrower has a right to note info?
That's really not the issue, NOTW777. From what I have gathered, the FAR more compelling issue is what these SEIU basturds are gonna do with our precious bodily fluids.
Get with the program, man. If you're not with us, you're against us.
How much have you donated to ZH? Until you do, you have no rights here. Keep the questions to yourself.
If everyone hates the SEIU so much but wants this to happen, then set up a different website.
We need to require banks to produce the notes. If you want to do it through this website, so be it. If not, then make another one.
For those too dumb to grasp the obvious, they are setting up the nuclear option for once the repubs get in office. It's the last gambit of the ruling class - send markets to zero, blame it on free markets, and use the fog of war to seize power.
I do not endorse this kind of reckless behavior. But I like it very much.
We're all victims. Already paid in 2008. More?
I went to high school with the guy that has his email listed as the contact info for several of the banks. Kinda funny!
Was he just as big a dork then as he is now?
He is an okay guy, but I would like to see his face when he checks his email tomorrow. Big mistake of him to have that particular email address as the contact info. Soon the whole world will have his name and direct contact info.
Logged on via Blackberry. Run a trace route on website. All my tools are on home computer. Try DNSstuff just for shits and giggles. We can have a lot of fun connecting the dots.
I sent my own letter to my servicer to find out if they could produce the wet-ink note. I cited UCC article 3 3-501 (b) 2 (1) that I am entitled to demand presentation of the negotiable instrument. I gave them 21 days. I am trying to follow private administrative process. I have stopped payment until the note is produced.
I expect they will produce the note, and that would be a fine outcome. But if they can't produce the note, I have to try and ensure that the title will not be clouded. Stopping payment is the right thing to do because the note is now in dispute. Once they produce the wet-ink note, then payment will continue.
I beg everyone to protect themselves and find out if their note still exists. (Probably not through this web site, the letter was so damn tame and toothless.)
The reason I believe they still have the note is because I have had perfect credit all my life and therefore they would not try to sell my note. They probably only sold the notes that they knew would fail. It will be a clear sign to me of the banksters guilt if my loan wasnt sold, because I will believe that only the bad loans were sold.
Care to post the template for the letter you sent?
I think this may be a mistake. The notes placed into the most secure, lowest-risk tranches for the synthetic CDOs were the most solid loans. The ones like yours. Those were the easiest to sell to big investors, like pension funds.
The crappiest, highest-risk loans were placed into the lowest-graded securities, and the banks kept a lot of that paper to earn the high yields. High risk = high yield, right?
Perhaps a bit like Costanza's gambit: whatever you think would make the most sense and be the most logical, assume the OPPOSITE.
It would be nice to hear in a few weeks what you found out.
Actually, that wasn't always the case. The better ratings and more "secure" tranches were oftentimes just made up of more diversified holdings (like different locations and stuff) which helped to get the AAA rating. In hindsight, it didn't do anything to reduce risk and actually merit the higher rating but whatever.
100% possession will be the law among the lawless! You don't have it in your hands! Gold, silver, promissory note on home, title to car or note; you don't own a damn thing among the lawless vampire squids!! ,
I entered BS info in the form just to click the next button and see what was there
no more data is asked for which is what I was expecting
the letter that is created will supposedly be emailed to the bank in question
the letter demands a written response within 30 days
use some common sense here - if you email a company demanding a written response, what do you think the company is going to do with that email? do you really think the bank will reply to an email?
this is creative data mining - don't be a sucker
See Neo's excellent post above. Enter bogus data. Generate letter. Copy/paste letter and correct it with accurate data. Print and send via registered mail. Hey, maybe even notarize it just because people take paperwork more seriously when it has a raised seal.
SEIU gets bogus info (why not use your favorite villian's name and address--Bernanke? Obama? Munger?), bank gets a physical copy of the letter, and you didn't even have to string two sentences together.
Here am I, wishing I could get a mortgage for a van down by the river...
Can we nominate one ZH'er to robo sign them all for us?
Sure. I'm fully qualified and legally authorized to append "Esq." to all my correspondence. I'm a practicing physician, too--you know, like a doctor. I dabble a bit in rendering summary judgment and dismissing frivolous cases. I can even save your immortal soul if it ever comes to that.
I'll sign anything for anyone. Where do I put the paw-print?
These are your sponsors for a free home to live in.
Been trying to help my sis with this. It's lookin like WF doesn't have the note. A big clue: Mortgage refinancers sending her letters with mortgage info from the original broker loan offering her FHA refis. Since she originally got her house her mortgage has passed through a couple other brokers, WF, WaMu, then back to WF. We are headed to county recorders office tomorrow. When we looked on MERS site, said it "didn't disclose who current investor is", but the bank servicer info was correct. Dang! Sometimes I wish I woulda become a lawyer instead of an engineer. I told her to stop paying if the lien and title records are not correct at the County Recorder. Dang! Wish I hadn't paid off my house.
Check the websites for fannimae and freddymac.
http://www.fanniemae.com/loanlookup/ or
https://ww3.freddiemac.com/corporate/.
I got the same message investor not disclosed.
Freddie has my mortgage, but the servicing rights were sold from the originating bank, Guaranty, to Cuntrywide nee B of A.
If this site is actually an SEIU sponsored site, then I do not want anything to do with it. I am sick of these cover organizations that exist to suck the blood out of the average uninformed American. I hate, and I mean literally hate Acorn, SEIU, Move on etc. . Freakin parasites.
Shorter Maverick: Boo 5 day workweeks. Yay child labor.
+10 SEIU *is* the problem, just as surely as Timmy, Jamie Dimon and Hank Paulson are. Fuggemall.
And if not - welcome to cost-free living, courtesy of MERS and millions of rushed and fraudulent mortgage note assignments.
Yeah Tyler, it's one big free fucking lunch.
Just what this country needs right now: transferred wealth from some of the least responsible corporations in the country (and/or current and future taxpayers) to some of the least responsible individuals. Plus, contract abiding and financially prudent Americans get their nose rubbed in it. Didn't buy a McMansion at the top of the boom with 1% down? Sorry sucker, maybe your fuckwit, mortgage-free neighbor will let you use his pool once in a while.
It's almost like the Obama Administration has planned this from the get-go. Lot's of talking points for 2012 teed up now about how he protected the little guy from Wall St. and made millions of deadbeat Americans 100% equity holders in their homes overnight. Hey! (high five) we even got bad-boy financial blog ZeroHedge to cheer us on the whole way, even carrying water for the national public sector union.
Useful Fucking Idiot. Look it up.
Someone go get the foil. This is bullshit.
Now now now Neptune, don't get all agitated.
Law abiding and financially prudent Americans got fucked up the dumper in 2008 and that's when Elvis and the last bastion of law officially left the square dance. The land of the free and the brave became officially a banana republic on par with Alice in wonderland.
Whether people are pissing in the soup in the kitchen or filling out forms for unions backed by huff poop who cares.
Get the popcorn and buck up cupcake.
New national anthem: http://www.youtube.com/watch?v=j5C6X9vOEkU
I'm sure it will all be hugely entertaining right up until the point where it happens to you.
The country already broken Mercury.
Don't you get an original "Note" when you sign the "Note"? The Canadian is just askin' I seem to remember signing two copies of the same thing when I took out a mortgage. Was a while ago though. Also 3 days ago I posted: " Everyone should request their original mortgage documents from the Bank...just in case" Or something close to that....
Just for clarification: the issue at stake here is who has the right to foreclose. Only the current owner of the note, or his agent, has that right. The fact that the homeowner may have a copy of the note is not relevant to determining who has the right to foreclose. However, it is extremely relevant if the entity who is foreclosing does not own the note and is not the note-owner's agent.
The link is dead.
Block has been placed.
63.251.128.76 AS14742
INTERNAP-BLOCK-4
If you are referring to the Where's the Note website, I can still get through.
Sorry I couldn't complete my post. My better half was shouting about coming to the dinner table. I never argue with my Iron Chef.
The site is still there but link is closed off. Have a look.
IP addy:
INTERNAP-BLOCK-4 - [Reached Destination]action.seiu.org [No PTR]
"I demand to see the original mortgage note proving ownership over my home loan. If you fail to produce a mortgage note proving that you have a right to collect my mortgage payments, I will be forced to consider all options available to me to ensure that my family and my home are protected. I ask that I receive my response in writing. I understand that under Section of RESPA you are legally required to acknowledge my request within twenty business days and must try to resolve the issue within sixty days. Thank you for your attention to this matter. denotes required field Massachusetts Ave NW, Washington, DC Service Employees International Union, CTW, CLC"
Who is? mcfadden usbank,usbank com,todd mcfadden,national bank,bank todd
Type link:
http://tools.seobook.com/general/website-comparison/
It was working just a few minutes ago. I dont think it will work out becuz the banksters run the beltway and the ponzi will go on and on. Too many shareholders want something for nuttin. Oh well, I aint paying even if they find the papers. I'm broke, I dont own any stocks or metals. No one give me a job becuz I is gots bad credit. Aint no hope but to die asap.
hey kitty, death is inevitable, and can happen anytime - you have a seat on one of the weirdest wildrides that may ever pop up in your life time (don't know which of the nine you're currently on). . . don't ya wanna see how it unwinds?
just pop some corn and hang with it for now. . . =^.^=
don't let the bastards grind you down.
kitty, just discharge the debt and keep your house. Learn to file the UCC 1 Financing Statement correctly and discharge the debt under Article 3 of the UCC. See the Cornell Law university website.
Fake loans are discharged with paper under this system.
I sense weakness. Mortgage paper is the heart of the dragon, not currency - this monster is mortal - It can be slayed.
Agree, D.O.C. The dragon is totally dependent on their perceived total dominance over us and on the money siphon. A tax and/or mortgage revolt and flight to PMs is one thing that just may keep them up at night.
The fact that half the posters here are angling for a method to gain something (real estate) for nothing (show me note banksta!) shows just how far we have been corrupted as a society. I fear we are totally doomed. Rather than uphold the law, and bring the banksters to account for the fraud they perpetrated, persons unharmed are looking for a freebie. If you haven't already folks, it time to flee this shit hole called the USA. It has become a haven for criminals of all sorts.
Just one problem....where does one escape to?
They don't want to hear it. Dangle a prospect of gain infront of them and they show their true faces.
I'll have to admit it's disheartening to read some of these posts lately, tho' I'm not sure why I thought it would be otherwise as the drama unfolds. . .
as to where to vacate to, I'd go where you feel the people might have similar values, amrka has had "values" pretty much trained out of them by now - of course, there will be pockets of "otherwise" - but it may not be healthy to stick around when the majority. . . yeah. . .
You may be taking this stuff too seriously.
If the forecloser is trying to steal a house, and then the resident tries to steal it too, do you really want to "pick a side" in that conflict?
They're both fuckin' crooks.
Mr Peter,
There is no money, and there is no debt. There is only fake money, and the discharge of debt. People are intuitive. They know they were ripped off, but don't know exactly how it was done.
We live in a fake monetary system. When you get a bank loan, the bank doesn't lend you any credit or money. It actually gives you access to your OWN credit and makes you pay it all back to them for something you already own.
When you are born, your birth certificate is sold to the IMF. And the US Treasury is given about $500,000 credit in your name. When you go to the bank and sign the application, the bank is accessing your exemption (credit) account at the Treasury and transferring credit to the bank. The bank takes the credit and leverages it up through the miracle of fractional reserve banking. So you take a loan for $100,00, they magically get about $1 million to make more magical loans.
Then, the bank withholds your credit and pretends you didn't get it. They make you sign a mortgage note that makes you promise to pay them back under the terms of the loan. About 3 years later, they file an abandonment form with Treasury saying that you are abandoning your credit. They get to keep your credit without your knowledge and consent.
If all goes well, you keep paying your mortgage with green money. You are thus contracting them to be your tax collector. If you can't pay them with green notes, you go into default of paying tax. They don't run after you because you are not paying. They already know: there is no money, and there is no debt. They are actually operating under the Uniform Commercial Code (UCC) that governs how debt notes are created and discharged. It is the law that when you receive a claim, you must accept for Value and Return for Discharge, Settlement, and Closure of the Account. If you don't discharge with paper, you are deliquent in observing the monetary system. Article 3 describes how you create money with your signature. You are an Accommodation/Accommodating party.
It also describes how to discharge debt. It's just three pieces of paper: a presentment, a payment bond, and a performance bond. These pieces of paper with the payment bond signed by you create the debt note equivalent to discharge debt. All debts can be discharged with green money or transfer instruments that you write yourself.
The bankers have been stealing our productivity and the money we labor for over our lifetimes. People are the true owners of all property, but they remain debtors by default, slaves or chattel, unless they file a UCC 1 form.
People know intuitively that they own the property that they have labored for. The bankers, the judges, and the lawyers all know how the debt-based monetary system works and the UCC, and they are stealing the live work of others.
My people suffer for lack of knowledge.
Banksters dont care if you dont pay. Benny will take your money by making it nearly worthless.
Why aren't bank stocks going down ? geez, remember 2007 the beatings those stocks took ? If Fraudclosure is a valid problem for the banks, their stocks would be getting crushed. Looks to me like this is a technicality that will be "worked around" - the market is telling us that.
Holding some bank shit you need to unload ASAP?
Silly me, I own all of my RE outright........
Which means you are one of the few who knows who is supposed to own your place. However, if you check, you'll probably find out a bunch of banks claim they own it too.
'The enemy of my enemy is my freind.' I find it highly ironic and logical that it is an SEIU link. The history of warfare is replete with examples of strange bedfellows who ally themselves against a common and deadly enemy.
Monetary warfare is exactly what is needed to fight this evil and we hold more power than we think we do..
+++
A pick the vampire crime family you most identify with kinda thing huh?
One will bleed you out slowly as the other catch's any droplets that might hit my boot.
In keeping with Halloween coming up...I prefer to pound a stake into both their hearts at sunrise...prolly just me though ;-)
Entered in 1600 Pennsylvania Ave and the mortgage holder is BOC. Anyone know what BOC stands for?
Barrack Obama's Crib?
Bank of China? [don't laugh, they own our ass!]
Based on the address, thought Bag of Crap was more suiting.
http://acronyms.thefreedictionary.com/BOC
Let me ask what, to me, seems like a legitimate question. Let's suppose that I paid off my now worthless house tomorrow. If no one owns the note is it possible to even get the title?
Quite possibly not. Which is why you need to make them show you the note before you make any more payments.
I just found out that my three mortgages no longer have 'wet ink' docs. Who gives a fuck about the real estate crash? I'm loaded now! Just made 50X on my money!
What a country!
All you douchebags who keep leaving comments like 'silly me I paid off my house long ago' can suck it!
File your UCC 1 form to declare yourself the holder in due course. You must be the secured party CREDITOR with an interest in all the property, liens, debts, and assets of you, the DEBTOR.
Then, discharge your debt for each of the houses. Study Article 3 of the Uniform Commercial Code on the Cornell Law university website.
Then, claim your allodial rights to the land where the houses are located.
File a Common Law lien against your own property for its true value. The rule is: first in time, first in line. The county will have to pay you first if it wants to take over the property.
You might have a chance to keep your properties! As long as you remain a DEBTOR, you own nothing.
That's so funny, I thought a mortgage was something you paid for...? Protectionism bitchez! This is a fukin' political shell game...this has nothing to do with rights! This has everything to do with pandering to the masses!!!
The now "squatters" residing in properties they aren't paying for ARE NOT VICTOMS here, wake the F' UP!
Im not american but still love that the link.
reading ZH is kind of funny. the info is so good and so far ahead of mainstream media, that I actually watch just to see how long it takes for them to start reporting on an issue.
do not pay mortgage - "just say wheres the note".
wasnt the whole thing a scam to shake down the govt for bail out funds from the beginning?
the loans were made to people who had no prospects of paying them off/down
the banks/wall street knew that so they "lost" the paper trail leading back to them.
when the loans default, instigate operation counterfeit to enable foreclosure.
wall street got to push all the debt/fraud onto society and keep their billions and stay out of jail
i guess its the enivitable conclusion when people are so powerful and disconnected from ANY society that they wreak massive destruction.
More distraction BS. The letter must be a RESPA Qualified Written Request to get any kind of action. The banks ignore these letters too. But you can follow up with a complaint to RESPA.
The best solution is to write a letter to the Office of the Comptroller of the Currency. Write in the Affidavit format and send it to the bank and the Comptroller by registered mail.
State that you thought the bank was lending you its money directly.
The bank did not disclose the material terms and conditions of the loan.
When you signed the loan application, your signature created money as you are an Accommodation/Accommodating Party.
The bank withheld your credit.
You were presented with a mortgage note to pay back the money you borrowed.
In a debt-based monetary system, a person cannot pay back money, you can only discharge debt.
The mortage note had wording in it saying "For the money received"... you promise to pay back over the course of the loan. In this instance, the mortgage note had already been sold to another agency without your knowledge. Before signing the note, you actually had not received any money. (Make sure such wording is on the mortgage note; mine was on the second page.)
The bank used my credit and did not file the 1099OID form to report the taxes due on the new creation of money.
After three years of the mortgage creation, the bank filed a form for the abandonment of credit under my name without my knowledge and consent.
The bank took my credit.
The bank created hundreds of thousands of loans for people who were unqualified to pay the mortgages.
I request a full investigation of the bank's withholding of my credit and the failure to file a corresponding 1099OID form.
Here's a bit of wording to throw at them.
Well I don't know about the validity of the site, but at the very least, it DOES give you a good 'form letter' to work with. Just print this out and send it via some other means.
Actually, see this:
http://www.shtfplan.com/headline-news/heres-what-you-can-do-demand-your-mortgage-note_10132010
For a better approach.
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