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A Fraudclosure Story | CitiMortgage Foreclosure, Loan Mods and Lies
This was sent in by a reader of 4closureFraud.org. It pretty much covers what millions of people are going through across America. Please take the time to read it. It will help you understand how criminal these entities are...
Michael,
Searching the web and ran across your website. I know you've probably seen and read many examples of people getting worked over by the lenders, but take a look at mine if you have time and tell me what you think.
Will probably be sending this information in with my Foreclosure Review paperwork and it will also go to all of my representatives at the federal and state level. If nothing happens I may even send it to media outlets. We'll see....
Just filling out our Independent Foreclosure Review papers and we are beginning to wonder if a lawsuit is a possibility after a whole bunch of wrong doing by CitiMortgage during the last two years.
We saved our home by repaying $19,000.00 after 2 years of hassle, 3 modifications, and then we were finally told that we either had to repay or the home would be taken from us. We were put into this situation after simply calling to get a better interest rate. Check this out...
3 MONTH TRIAL PAYMENT (October 2009)
-- Called Citi to see about lowering our interest rate because as a self employed borrower our rate has always been high. We were NOT behind on payments. The representative told us that "Yes, we'll set you up on a modification. We can get this done pretty easy."
He told us to get started he would have to put us on a 3-month trial payment (come to find out later that this was a huge mistake on his part and ours). Our payment was just over $1,000 a month, he knocked it down to about $830. The way he made it sound was that if we did this, we would have everything taken care of in three months and our payment would be at about this lower rate.
We sent all of our financials immediately and made our payment on time the entire time. We were also in contact with them the entire time.
After probably the first month we began to be notified or told when we called them that our paperwork was lost and that we would have to resubmit our documents. This happened numerous times during this modification attempt.
In the end it took 6 MONTHS to get the modification answer. To our surprise when we received the modification we found that our monthly payment would actually go up!!!! I immediately called them and told them that we would be crazy to accept the agreement. The representative that day which was one of probably 100 that a spoke with over the two years, said that it wasn't a problem and that there were other options. So, she began another modification after we returned the paperwork for the first modification "denied"....
The same thing happened the second time as the first but we would be surprised once again. The lost paperwork and resubmitting documents continued the entire time.
We called Citi, over and over, trying to find out what was going on and why things weren't happening.
All the while we continued to pay the reduced payment of just over $830..
Then the totally unexpected happened...
FORECLOSURE PAPERS (January 2010)
We received foreclosure papers by mail which totally caught us by surprise and was totally unexpected. We were still under the assumption that we were working with Citi and that things would be taken care of. I instantly called Citi asking what was going on and why our house was suddenly put in foreclosure even with us working diligently to get the matter straightened out. Keep in mind, we were not behind on our payments and we were able to pay our regular payments but they put us on the reduced payment.
When I called, the representative finally told us that we shouldn't have been paying the reduced rate after the 3-month trial. The problem was that we had called them after and during the three month period and they told us to continue paying and we have a document stating such. They never told us to do otherwise and they continued to receive our payments. At some point you would think that they at least would have called us to point this out. But they didn't. In the end, they told us that because we weren't making our regular payments our mortgage fell far enough behind to put us in foreclosure.
So now not only did we have the stress of trying to get the mortgage straightened out but now we were actually faced with the possibility of completely losing our house that we have raised our two daughters in. Most stressful situation we have ever faced and it was caused by a single phone call to an incompetent mortgage company. We just wanted to get our interest rate lowered!!!!
FORECLOSURE LAWYER AND CITI
So now that the foreclosure preceding had begun we were then wondering when our sale would be, if there was a sale date, and what was going to happen next.
Citi representatives told us that because we were in the middle of the modification process that the foreclosure would be put on hold.
The problem was that we were served papers, our name was put in the local paper, and a sale date was set, and of course the County Sheriff came to the door to serve the papers and put the sticker on our door unexpectedly. Actually we weren't served the papers by hand but had to go to the Sheriff's office to pick up the paperwork. They did put the sticker on the door though. None the less, a horrible experience.
Then, of course, we were surprised once again. After telling us that the foreclosure was on hold we received another letter from Citi saying that the agreement we made was not good or hadn't been followed and that the foreclosure would continue.
We called Citi again and the rep had to "check into" whether the foreclosure was put on hold or not. They called back and said the foreclosure was put on hold. I told them that I didn't trust them because of all of the mistakes and false information they had already given me and that I wanted to call the actual lawyer in Cincinnati that was handling the foreclosure for Citi. They had to research who in Cincinnati I had to speak with and call me again to give us the number.
After calling the lawyer, they finally assured me that the foreclosure was temporarily on hold. Was good that it was put on hold but the fact still remained that our house was in foreclosure.
UNWANTED VISITORS
CitiMortgage sent people to our house on occasion to hand deliver yellow envelopes that they hung from our door with a simple note on the inside stating that we needed to call them about our mortgage. This happened numerous times and it wasn't a professional thing to be doing. The people that showed up at our door were not professional looking people and the thought that these strangers were just roaming around the kids in our neighborhood wasn't a good thing. The amazing part was what the letter stated.... "Please contact CitiMorgage".... We were contacting Citi probably 3 times a week... How ironic. You would have thought that at some point Citi would've contacted me with some answers about what was really going on... That NEVER happened, still hasn't, and never will.
WAITING ON 2010 TAXES (January 2011)
After we were denied the first modification we were told that they were going to try a tradition modification. We sent in all of our paperwork for the third time including all our financials, pay stubs, etc... etc... Months went by and nothing was being done.
So then around the first of the year (January 2011) a Citi representative tells us that she doesn't know why they were trying a traditional modification because we wouldn't qualify for that, blowing up everything we had done entirely. Yes, it was AMAZING!!! More wasted time, money, interest, lawyer fees, etc... etc... Someone by now is making money off of our single phone call that we made at the very beginning to get our interest rate lowered.... The nightmare continues...
Now the representative tells us that to get going on the new modification that we would have to get our 2010 tax returns done. So we continue to waste more time. We had already sent all of documents in two times in the last year and some of them more than that because they "lost" them.
4-MONTH AGREEMENT (FEBRUARY-MAY)
In January 2011, a Citi rep tells us that we could make a new agreement while we work out the newest modification. We were told to pay $1,000.00 per month (Feb-May) while they worked on the modification. So we did, on-time, every time. Once again we did exactly what they told us to do to get things squared away so that we could move forward. Again, according to them, we were on the right track to get things done.
By this time, we were beyond trying to get a lower interest rate which is what we called for in the first place. We were now fighting to stay in our house!!!
DECISION TIME
While this all was going on we contemplated every scenario. Should we just let the house go? Should we start looking for a place to rent? What is happening with our credit? How would our children react to having to move out of the house they've been in their entire lives? As stressful as stressful gets...
After paying the four $1,000.00 payments we finally were called by a Citi representative that finally had answers but they weren't the answers we had expected or thought we would ever have to accept.
This representative "spilled the beans" after I told her my entire story...
After learning that we were not behind on our house payments at the very beginning she told us the reason they put us on the Trial Payment Plan was to put us behind because we had to be behind on our payments to even qualify for a modification. This was astonishing to us... If they would have told us this IMPORTANT fact there is no possibility that we would have agreed to this. Period. She even agreed that it was wrong and agreed that the entire thing was wrong but she couldn't do anything about it.
The fact that Citi would put someone behind on their payments for any reason should be against the law! If we weren't behind on our payments, we weren't qualified to sign-up for the the modification and that is what they should have told us! Citi didn't tell a lie by doing this to us, but they absolutely weren't telling the truth!
So here is where the hammer falls. She tells us that the last modification attempt was not accepted and that the only option we had now was to pay the $19,000 that it would take to bring the house out of foreclosure. Amazingly we had just went a year and a half, lots of phone calls, hundreds of sheets of paper, faxes, more phone calls, stressful days, sleepless nights, and absolutely nothing had happened. Nothing. We made one call one evening hoping to get a better interest rate and it turned into a financial nightmare.
Another thing that was amazing was that during these phone calls we were speaking with people representing a giant in the banking industry, Citi, and the lack of knowledge coming from the people on the other end of the line was out of control. They had absolutely no authority and were doing nothing but answering calls giving answers, however right or wrong, and going on to the next phone call in line. And this is their "customer service" department. I could call them, speak with someone, get an answer and then call back five minutes later, speak with another rep and get a totally different answer.... I wouldn't want to know what is actually discussed behind closed doors at this company.
STAY OR GO???
This is it. Should we try to pay the outrageous amount of money (for us) to save the house we have lived in since 1997? Our first and only house, where we have happily raised two daughters who are closing in on their teenage years. Or should we get out of it by just picking up and walking away... Well, we decided to try to make it.
It would not be easy and we knew it but it is a decision that would affect us financially because it would take everything we have to make it happen.
We were put on a repayment plan that forced us to pay the $19,000 back in monthly payments in five months. Almost the entire payment was interest, late fees, and lawyer fees, meaning in the two years we went through this we didn't make a dent in our actual mortgage. Keep in mind we still paid the reduced 830 payment on time as well before we started the $1,000 payments back in February.
NOT OUT OF THE WOODS (JUNE-NOVEMBER 2011)
We ended up making a down payment on the repayment plan of about $6,000.00 and then made monthly payments of $3100.00. With my income being seasonal as a self employed individual, I knew I would be able to make it through the summer and make the payments I needed to make but that wouldn't be it for me, unlike Citi who will just see that I made the payments, mark us off as paid, and go on like nothing happened. We don't have that luxury... Citi took all of the money that I made during the summer and now my seasonal work (snow removal) will have to carry me through the winter (it doesn't always snow). The $19,000 we paid to Citi would have bought some new equipment which would have given me the confidence to go forward with expanding our business. But with ruined credit and the loss of on-hand cash, that idea was terminated.
We are definitely worse off at this moment than when we made that fateful phone call about our interest rate over two years ago!
First of all, our credit is ruined, my business has been held back because of the mortgage situation, and our financial well being and stability has been jeopardized by Citi.
RESPONSIBILITY
After all is said and done, I know that it wasn't my fault entirely and that Citi should have to take some responsibility. The only mistake I have made through this is trusting a company to treat people right and in the end I know that we were not. We simply called to see about getting our interest rate lowered and in the end we were taken down a path that led to nowhere and in the end we paid for all of the mistakes of 100's of people employed and/or paid by CitiMortgage.
I sit here typing this letter in the very home that we saved from becoming one of the 1,000's of homes that sit empty but the future is still a little fuzzy because I don't necessarily know where we are going from here.
CitiMortgage, lawyers, phone reps, investors, and all kinds of other people are getting paid with some of that $19,000 that we worked hard for and they did absolutely nothing except mess with a families future.
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I had an issue on my first home in 2005. I think the lender was GMAC Mortgage at the time. Anyhow,I paid the first monthly bill in two half payments. Both were made prior to the due date and totalled the proper amount for the first bill. No problem, right?
I used one of their stupid home equity line checks during the time that elapsed between the first half payment and the second. That also should not be a problem. I made the subsequent payments on time and for the correct amount. A couple of months go by and I receive a letter saying that I was in danger of defaulting on my mortgage.
I thought it odd, because I had paid every dime they had billed and paid it on time. I called their "customer service" number and was unknowingly redirected to their default accounts department upon entering my account number. They stated that I was half a payment late on my home equity line. Nobody on the phone had any interest (or enough knowledge?) to review the account and look for the cause of the problem.
I spent a couple weeks reviewing bills and bank statements. Sure enough, the amount paid exactly equalled the amount billed. And everything was paid on time. On further review of the bills, I found that they credited one of the original half payments to HALF of the P+I owed and the other half payment strictly to principal. It seemed to have been caused by the action of using the home equity line check.
So the issue was that GMAC had incorrectly posted my payments and was alledging that I had been behind for two months. I called and explained this to them--more than once. (remember I could only reach their default accounts dept.) It felt like I was teaching a 12-year-old to balance a checkbook. I finally got the case escalated to a manger. After about 2 months of going back and forth, I managed to convince GMAC that it was their mistake and they resolved the issue.
Scary shit though. This was a mistake on their end that cause one payment to be misallocated. Once the lender claims alledges default, it becomes a bizzare one-sided fight. The customer service reps were worthless. If I had not done all the research and explained their mistake to them in 12-year-old terms, I would have been left with two options: Pay that half payment that they misallocated and accept the two 30-day late dings on my credit, or allow them to begin the one-sided foreclosure process.
She should never pay a Cent of this $19,000 bill
this is a legalised fleecing by Citi ...they have no contract with you to rack up such a bill, take the matter to court
+1. Shoulda got adversarial and litigious well before now.
It's beyond me why Americans haven't started fire bombing these banks yet.
The secret shadow housing crisis, 11 million homes.
http://www.youtube.com/watch?v=mSedc_J1hME
In my best Beavis and Butthead voice.. Fire! Fire! Fire!
About 10 months post closing with Quicken Loans as originator, I get an "Annual Escrow Statement" from Chase (the new servicer) saying my monthly payment was too low to cover escrow (even though nothing had increased in cost since the close) and I would need to pay an extra $941 a month for the next year, THEN an extra $380 a month for the balance of the 30 year, fixed rate loan.
Both Quicken Loans and Chase refused to even discuss it with me, despite calls, letters, even a "Qualified Written Request" and an inquiry from RESPA at HUD drew no response.
There was no way I could pay an EXTRA $941 on a loan with a regular payment of $2,200, so I think this was one of those "built in bomb" loans. Quicken Loans demanded an impound for the escrow (property tax, insurance, PMI) and did the calculations of the monthly payment, so I relied on their figures. I only wonder why these Banksters aren't classified as domestic terrorists.
End of story, I stopped paying and notified Chase in a letter than since they wouldn't discuss this demand to change my payment, I sure as hell wasn't going to start sending them any extra money. So the next regular payment was credited to a suspense account instead of my mortgage, and I said fuck it and stopped paying, period.
Then of course they foreclosed (still with no discussion of the higher payment), so I asked for a loan mod. They sent a letter acknowleding receipt of the application and the letter said I had 30 days to compile the paperwork and fax it to them. However they went ahead and scheduled a sale during that period, and that was that.
I've documented everything and included it in my application for a review through the OCC, but from what I've heard the "review" is just another PR ploy as was HAMP. Lawyers in this next of the woods who even offer foreclosure defense are mostly shysters. After shelling out a hefty retainer I discovered I knew more about foreclosure defense than he did. He didn't even make it to the courthouse to file my answer on the Unlawful Detainer (I had already moved out when it was filed). I would have had much better luck going Pro Se, but from what I've heard judges in this non-judicial state won't even look at the case; they'll just go with the Foreclosure Mill lawyer automatically.
It's no wonder Americans are in the streets, and as the unemployment charade continues and more lose benefits and are pushed out of the stats, I see more and more anger bubbling up.
This is standard operating procedure for these bankstas.
Never trust them with your most valuable asset: your home.
Either save and buy for cash or rent.
Avoid the legal system at all costs as it is also corrupt.
Above all, remember, the psychopaths are running the show.
I've experienced big bank corruption anf illegal behvior first hand. Even when JPM told me my home would be sold on a certain date and there was no going back, they cancelled the foreclosure sale. I had already moved out in anticipation of the sale. I called them and they told me that the sale was cancelled by mutual agreement as I had requested a shortsale, even though I had never made any such request. I asked them to show me the documentation and called them on their bullshit. Three months later the house went back to th bank. Unfortunately I cashed in my entire retirement account to pay my mortgage while I was looking for a job that could not be found. I actually had a bank rep tell me once that it was illegal for them to do principal modifications; I screamed at her and called her a liar and told her that I hoped our conversation was being recorded as I would use it as evidence of their misrepresentations to unknowing borrowers. She apologized and told me I ws correct and that she was sorry for making that statement. I've been in the real estate business 31 years...it was then that I knew that regular borrowers were helpless against these crooks. This is organized premeditated crime...rackateering. Where is our DOJ? Where is Eric Holder? Why hasn't Lanny Bewer done anything? What the fuck is Geithner doing? How abut Bernanke? What is Obama doing? The TBTF banks will whisper in your ear, they will tell you what you want to hear, they will play you and lie to you because they know you can't do a thing about it and they willl bleed you slowly and mercilessly of everything they can take. What is so ironic is that their endless greed and irresponsible behavior is what started this mess. I will not cry when someone takes out Dimon, Blankfein, Pandit, Moynihan, Corzine or any of the other scumbags that standby and allow this unethical and illegal behavior to continue. Someone should start a list of the top 100 Bankster and Political dirtbags so all the whackos know who to prioritize when they want a little vigilante justice. Add the previous execs of WAMU, Fannie, Freddie, Lehman, Bear Stearn to the list, along with the current active dirtbags. Fuck these guys, they operate outside the rules of decent society...they think because they are smart and have the money to hire the best lawyers to write the laws that their lobbyists take to dirtbag politicians to get passed, that they can circumvent the obligation to act as decent people. Remember the golden rule? These sociopaths have no idea what the the golden rule is...they are vermin and vermin need to be exterminated. Now if you want to know what I really think....
In your top 52 financial criminal deck of cards I know who will be the Ace of Dimon's
When people who have nothing left to lose lose it... THEY LOSE IT.
Time to cry Havoc!
...and let loose the dogs of war!
This is the same foreclosure scam the financial industry has been doing for years. Here is my advice on what to do if your upside down on your house and can't afford it anymore. Take a deep breath ......and you will have more money and less stress. Heck, by the time your done reading this you will thank me and have enough money to buy a new home cash.
First and foremost don't be attached to the home, it's just a business deal and you need to save your own hide. Houses are a dime a dozen and home is where your family is. Not some bank debt box.
Don't call or deal with the banks or lenders. They all lie and have no interest in helping you. All they want is to do is drain you of every penny before they kick you out. The only reason they want to offer you a modification is because they lost or don't have the original papers and they want your new signature with fresh papers. Hire an attorney fast. It will cost roughly 1 to 2 months mortgage payments and worth every penny. (No I'm not an Attorney) You will be in your home for at least three years before the banks get around to your home. They are so backed up.
Stop making payments, don't make city tax payments or homeowners insurance. Let the bank scum eat that as well. The people who didn't hire atorneys are being run through the courts fast aka "rocket dockets" They are using retired judges to do this because the sitting ones don't want to touch this fraud with a ten foot pole. So....just by hiring an attorney you already stalled the process by at least a year and half.
Make sure your checking account is not the same bank as your mortgage company to avoid them sweeping your account. Yes they do this, so make sure your mortgage and your checking or savings are not with that bank or lender.
Now the best part. Sit in your home for years rent free, enjoy the place and save that cash. All that money saved is positive net cash. It's not cash being thrown out the window to a debt of a house that will never again have the value of what you bought it for or owe on the property. Remember all contracts can be renogitiated at any time.
Don't let pride or character come into play. That's what they want and hope for. It's a business deal and the best way to help you and your family is to plan for your next home. Don't think short term. Think about your next house you can buy for cash instead of paying interest forever. Stick it to them the same way they would have done to you. SIZE PLAYER ON THE BANKERS HEAD.
Don't talk to the lender or banks at all. If they call, tell them your lawyer's number and that's it. If they tell you the conversation is being recorded, tell them your recording it as well. Watch how fast they hang up.
Hope this helps someone. Because the banks/lenders could give a rats ass about you and your family.
While I hate the banks with the same passion as you, I can't help but think that this story is largely the home owners fault.
You should never ever ever follow something someone tells you on the phone, but should always wait to have everything in place and finalized first.
Their mortage was for $1000/month, no matter how much some customer service agent said it was OK to change the payment, without the papers and approvals in order you cannot except it to be OK.
The guys on the phone always say the easiest thing to get you off the phone, and the number of times I've been lied to is unbelievable. 5 years ago Macy's owed me $350, it took 3 years and 100 phone calls to get that money, and each time the other person said the check was approved and in the mail..... I still hate Macy's, but not as much as Citi.
I agree. Your mortgage is a written contract, and that's what you are going to hold up in front of a judge if they attempt to kick you out without cause. Until you have something in writing modifying that contract, don't deviate from it. Too bad it's not always so obvoius.
Sorry zaphod, but you've obviously not been a victim in this fraud and you don't know what you're talking about-so shut the fuck up!!!
sounds familiar
Injustice by Default
The front page of the court document gave simple but misleading instructions: "You have 30 days to respond to this lawsuit. You may respond in one of two ways: 1. File an Answer to the complaint with the Superior Court of Contra Costa County, not with the District Attorney....2. Settle the case with the District Attorney. You may call us at (925) 313-4200 to discuss your case." Concluding incorrectly (but understandably) that he could settle the matter over the phone, Pierce called -- three times that day -- and tried to weave his way through a labyrinthine phone tree. Finally he found a human being, who instructed him to leave a message with a home phone number. The department called him back the next day and left a message; it took another three calls from Pierce before he reached a caseworker for the first time.
"I said, 'What do I need to do? I'm not the father,'" he remembers. "And they were like, 'OK, well this is what you do: You just call in every day, and then we'll understand that you're not it, because if you're it, you're not gonna call us every day.'"
Pierce did everything he was told over the next three weeks of phone tag, except for comprehending that the 30-day deadline for denying paternity in writing was etched in federal law, regardless of what he discussed with Contra Costa employees -- who he says never once told him the clock was ticking. "All they were doing was delaying me from doing what I needed to do," he says. "It's a huge scam -- huge scam....They're just counting the days. They're like, 'Sucker, sucker, sucker, sucker.'...And this is the government!"
http://reason.com/archives/2004/02/01/injustice-by-default/singlepage
The gov is our enemy
FYI:
http://blogs.palmbeachpost.com/realtime/2012/01/06/bondis-office-cleared...
Bondi cleared of wrongdoing for dismantling investigation of fraudclosures.
And they all* lived happily ever after. The End.
*criminals, that is
Burn the fucking house down, go to Citi and start shooting motherfuckers. I mean really.........is anything else working? NO! Fuck it. It's gone too far.
I am a Hamp MHA Underwriter at a MAJOR mortgage Company and see and hear all kinds of Fraud, 99.99% from the homeowners.
If the homeowners were under the same rules as us, this mess would fix its self.
Best way to delay getting kicked out of your house is to apply, the re-apply over and over again til we can tell the Gov we have had enough bullshit.
48 months long enough without making a F payment?? Welcome to my world. We service 95% of our crap for Freddie, Fannie, FHA, VA.
Why not blame the real mortgage holder.
Tell me, friend, just where is the fraud in this story?
I'm of the opinion that the entire "modification" process is just another gov endorsed shake-down designed to save the banksters, stealing both cash and property in the process, all while giving people hope for relief. In other words, psychological torture.
Of course, the unasked question here, is why they were offered a modification when it sounds like they were looking to refi? Shouldn't that be considered fraud on Citi's part to begin with?
The HAMP process was a public relations creation and nothing more. It was never intended to be anything more than a dead end for actual homeowners and a way for banks to deflect pressure by having something to point at which they could (fraudulently) describe as helping to solve a problem.
It was a lie from day one.
48 months without making a payment, paying the HOA, paying for the insurance. AND THEN THE Fers file Bankruptcy the week before the real foreclosure sale and they get YET more time to delay.
HoHoHO, even better, have an 'accident' at the house, you know, a fire, or something like that and guess what?? The mortgager PAID your FN insurance for you, but YOU will be getting the check!!!!
No law in America, no law at all.
And the poor people like above, don't know that it is the corrupt US courts which make this whole mess possible ...
The poor people, like in the letter above, think a 'lawsuit' in the USA will do something, like it does on television, or in the movies ...
The poor people don't know the US lawyers and courts will rob them again, after the banks have robbed them.
And they don't know because the US media hid almost all the other stories of US court corruption
- the hundreds of thousands of innocent people amid 2.3+ million people in the US gulag prisons
- the people robbed of all their savings and assets in divorces and business extortions, where bribed judges helped one side rob the other with the lawyers.
That's the ultimate beast in this drama. We have Europeans as well robbed of homes and businesses by those US judges. It is now becoming an issue for the EU.
And we Europeans have learned, slowly, that US lawyers won't make court filings with evidence of crimes by judges with lawyers, because if they do, they get disbarred, or jailed, like Richard Fine in California ... then the media slanders them, including often the CIA's Wikipedia ... a partner of the bribed judges in America.
The political refugee from the US in Brussels that I know (I use one of his flickr pics for my avatar) is under threat of murder, because he was publicising the corruption of the US legal system that is not in the big corp media ...
Google has blocked all his websites, as part of Google Inc.'s own deals of bribery with American judges ... so people like in the above letter, cannot learn the truth, thanks to censorship by Google Inc.
Here, some of that blocked and censored journalism - some of the articles educating EU officials on how the bribed judges of America are attacking and defrauding Europeans:
Foreign Companies Face Risk of US Court Corruption:
Doing Business in the Big Bribery Nation
http://www.banned-in-america.net/us-court-big-bribery-nation.html
America's Corrupt Legal System -
A Danger to Visitors, Travellers as Well as USA Residents
http://www.banned-in-america.net/us-corrupt-legal-system.html
Americans Murdering Their Judges, and the US Crisis of Judicial Corruption
http://www.banned-in-america.net/americans-murdering-judges.html
Live Photo: Google Inc. Caught Censoring EU Search Results
Google Internet Censorship - Censure d'Internet par Google - Internet censuur door Google
http://www.flickr.com/photos/22325431@N05/6100668211/in/photostream
As recently as 20 years ago, Bill Black was putting banksters behind bars in the U.S. It's shocking how fast the presumption of the rule of law has been eroded.
Thank you for putting that out, I never heard of this website but I agree with you 100%. The US has become a technocratic third world police state where the instruments of the govt. both local, state and federal are used to protect the upper 2% of wealth. And also the govt. lackey's who want to be like them. I feel sorry for that man, because all that time paying the 830 dollars payment and then using the 19,000 to get caught up could have been saved and used for finding a smaller but better home and/or renting a condo or apt.. He was fooled into thinking that you say the right things and do the right things you will be rewarded well and people will do good by you, wrong. It's a dog eat dog world now since the kicking of the can down the road has reached the end.
Welcome to the sunny shores and balmy beaches of the banana republic of the US. If your rich, everything will be your oyster. If your poor who cares.
long boiled rope and lamposts