Voices: The American Dream ,Corruption and the Victimized Homeowners

 It´s so hard for government planners, no matter how sophisticated, to ever substitute for millions of individuals working night and day to make their dreams come true.  Ronald Reagan

"In the end, all of us are paying a price for this mortgage crisis.  And all of us will pay an even steeper price if we allow this crisis to continue to deepen...." President Obama explained.  "But if we act boldly and swiftly to arrest this downward spiral, every American will benefit."  President Obama

"Now more than ever before, the people are responsible for the character of their Congress.  If that body be ignorant, reckless and corrupt, it is because the people tolerate ignorance, recklessness and corruption.  If it be itelligent, brave and pure, it is because the people demand these high qualities to represent them in the National Legislature..If the next centennial does not find us a great nation..it will be because those who represent the enterprise, the culture, and the morality of the nation do not aid in controlling the political forces."   James Garfield in 1877

"Resistance to tyrants is obedience to God"  Thomas Jefferson

Corruption is worse than prostitution.  The latter might endanger the morals of an individual, the former invariably endangers the morals of the entire Country.  Karl Kraus

I weep for the liberty of my Country when I see at the early day of its successful experiment that corruption has been imputed to many members of the House of Representatives, and the rights of  the people have been bartered for promises of office.  Andrew Jackson

"It is not acceptable for a party who believes they submitted false court documents to merely replace those documents".  Attorney General Richard Cordray

"The mortgage services hired people who would never question authority".   Attorney Peter Ticktin, msnbc Oct. 13, 2010

"The paperwork problems range from potentially forged documents to bank employees who never read borrower's files before signing off on an eviction.."While we don't expect our review to find that consumers were harmed, we will take appropriate action if we find any impact."  JP Morgan spokesman Tom Kelly, Washington Post Sep 29, 2010

"Obviously the banks do not want to grapple with the consequences of trillions of dollars of securitized mortgages having no legal standing.."  Former Rep. Grayson

"Maybe this is like shock therapy.  Maybe this will actually get the lenders to the table and encourage them to work out deals that are to the benefit of everybody."  Economist Karl E. Case quoted in the New York Times

"The U.S. banking industry is entering a new period of crisis where operating cost are rising dramatically due to foreclosures and defaults.  We are less than 1/4 of the way through the foreclosure process."  Chris Whalen

"We are serious about getting it right.  This is our time and we know that."  A.G. Miller

"You can count on us! You can count of 50 A.G's."      A.G. Miller

"How long must the American people work second jobs to stay in our homes?  Shirley Broomfield

"The kind of fraud that got us into this crisis is intolerable."  A.G. Miller

"Everything done is done by the judge who is there to protect the rights of the borrower and lender.."  said Tew, "David Stern didn't create that problem, he is representing banks who are entitled to foreclose.  Since he is the visible person, he will get a lot of bad publicity.  There's been a huge train wreck and David is like the surgeon in  the ER, he is part of the process."  Attorney Jeffrey Tew, representing David Stern

"Negative equity holds millions of borrowers captive in their homes, unable to move or sell their properties"  Mark Fleming, Economist quoted on Huffintong Post

On proposed Banks Settlement for Illegal foreclosures"verges on extortion"  Rep. Randy Neugebauer 3/17/11 Huffington Post

"Ending HAMP now, without a meaningful alternative in place, would mean that struggling homeowners would have far fewer ways of coping with the worst housing crisis in generations"  Timothy Massad, Treasury Dept. Acting Assistant Secretary for Financial Stability

I think all lawyers should be on contingencies.  It forces them to do the right thing.  I don't know if the hourly lawyer has the same incentives to get to the bottom line.  I think the whole world should be on a contingency basis.  If you don't cure the problem, you shouldn't be paid. 
Interview with attorney Thomas V. Girardi, Mortgage Servicing Fraud

"There is a way to modify people's loans so they can stay in their homes," A.G. Madigan said. "That requires principal reduction.  That is the only way for us to make some people be able to stay in and saave their homes." Any settlement must include restitution to those who lost their homes to fraudulent practices.  If her office must litigate, it will. Illinois  Attorney General Lisa Madigan, WGIL Radio Network 6/23/11

“This evidence has made it clear to me that the only way we can ever determine the total economic loss and the amount damage done to the taxpayers is by conducting a full forensic audit of all registry of deeds in Massachusetts. I suspect that at the end of the day we are going to find that the taxpayers have been bilked in this state alone of over 400 million dollars not including the accrued interest plus costs and penalties. The Audit makes the finding that this was not only a MERS problem, but a scheme also perpetuated by MERS shareholder banks such Bank of America, Wells Fargo, JP Morgan and others. I am stunned and appalled by the fact that America’s biggest banks have played fast and loose with people’s biggest asset – their homes. This is disgusting, and this is criminal”.  MA Register, John O'Brian

“It’s like giving aspirin to someone with cancer,” he said of the proposed assistance. “You had all the big players at the top of the pyramid negotiating but nobody was speaking for the homeowners who have far more at stake at the ground level.” Matthew Weidner, Florida Lawyer, N.Y. Times 7/11/11

More voices coming soon.

America Fights Back Against Foreclosure | Dylan Ratigan

America Fights Back Against Foreclosure Dylan Ratigan

Where's the Note? | Demand to see your mortgage note.

Where's the Note? Demand to see your mortgage note.

California New Program Brings Hope To Victimized Homeowners

"Keep Your Home California" new program is a reality.  Homeowners that are facing Foreclosure or have fallen behind are encourage to Apply for aid & assistance.

Primary objectives in "Keep Your Home California" programs include:

Preserving Home ownership for low and moderate income Homeowners in California by reducing the number of delinquencies and preventing avoidable Foreclosures.

Assisting in the stabilization of California Communities.

Homeowners can also benefit from this Program in leveraging negotiations with their Mortgage Servicers.

Read more about the programs  http://www.keepyourhomecalifornia.org/programs.htm

Foreclosure/Housing Crisis: Is America Fighting Back?

Devastation
As 2011 rolled in, the Housing Devastation and Families in Crisis is taking a never seen toll. Banks have continue to hurt Families across the Nation and every single Neighborhood is taking a devastating hit. There are multiple Investigations going on by Multiple Agencies, however, People are feeling unsecured by the wavering of those investigating the Criminals. On December 14, 2010, the lead Attorney General of the 50-state foreclosure investigation, Iowa’s Tom Miller, said “We will put people in jail,” in response to questions during a meeting Tuesday with more than 100 people from 15 states representing community, faith, and labor organizations, foreclosure victims and struggling homeowners from across the country. Miller also agreed that principal reductions, loan modifications, and compensation for defrauded homeowners are necessary to clean up the mortgage mess created by the big banks. Again, Attorney General Miller had promise that those that have been harmed by the issue should be compensated.

During the State of the Union, 2011, President Obama failed to mention anything about this issue. While President Obama was expected to focus largely on jobs and U.S. economic competitiveness in his State of the Union, a Democratic senator wanted to hear the president talk about how to more strongly stem the tide of housing foreclosures across the country. Sen. Jeff Merkley (D-Ore.) last week wrote Obama, urging him to do so. The freshman highlighted the well-reported troubles with Obama’s existing program to combat foreclosures, and proposes a six-point plan to keep Americans from losing their homes. Ignoring the Issue will only make it worse and taking any side of the Criminals can only add to the problem. It is an issue that should be at the very front of every Politician Agenda. Yes, we are very discourage that this issue continues to be "Whitewashed" by our leaders.

Just weeks after taking the reins of the House Oversight and Government Reform Committee, Darrell Issa is locking horns with the ranking Democrat on the committee investigating the banks' role in the foreclosure crisis. Elijah Cummings (D-Md.) said his attempts to make banks more accountable for the robo-signing fiasco, which led several banks to halt foreclosure actions in some states, are being stymied by Issa. "[Issa] is turning a blind eye to the alleged abuses by the mortgage service industry," Cummings told The Post through a representative. To play Partisan Politics on the issue would only bring an added anger towards the System and Politicians from every Victimized Homeowner. People want to believe that Crime does not pay and that those that are caught violating our Laws would be punished to the full extent of the very Law they violated.

Americans are watching. Our expectations are high that we will see justice for the millions of families who have lost their homes, the millions more who are at risk of foreclosure, and the neighborhoods across the country devastated by falling housing values and vacant properties as a result of widespread mortgage fraud.




Voices,
"In the end, all of us are paying a price for this home mortgage crisis. And all of us will pay an even steeper price if we allow this crisis to continue to deepen," President Obama explained. "But if we act boldly and swiftly to arrest this downward spiral, every American will benefit." -
President Obama

"We're serious about getting it right. This is our chance and we know that." - AG Miller

"You can count on us! You can count on 50 AGs." - AG Miller

"How long must the American people work 2nd jobs to stay in our homes." - Shirley Broomfield

"The foreclosure process should stop while modifications begin." - AG Miller

"The kind of fraud that got us into this crisis is intolerable. " - AG Miller

"So when people misrepresent the homeowners, they lie to them, they cheat them out of their homes...." - AG Miller

PLEASE SIGN PETITION AND TELL YOUR ATTORNEY GENERAL THAT "CRIME SHOULD NOT PAY"
www.showdowninamerica.org/crimeshouldntpay

The Big Fail - Credit Slips

The Big Fail - Credit Slips

Rachel Maddow Banks burned by their own fraud

Prof. Bill Black - Financial crisis probe, prosecution failure - Fire Su...

WHY ARE REPRESENTATIVES NOT SPEAKING OUT? Fraud Factories, MERS, LPS, Forgeries: Rep. Alan Grayson Explains the Fo...

WHY ARE REPRESENTATIVES NOT SPEAKING OUT?

Unlike Former Congressman Grayson, Representatives have taken the easy and quiet road against
the Criminal Activities of Wall Street and the Banksters.  Public Officials are not representing the
interest of the People by not speaking out against the Corruption and Criminal Acts perpetuated
against every American Family.  Real Estate Fraud has affected everyone, there are no exceptions,
Republicans, Democrats, Libertarians and Independents.  So, my questions remains the same,
"Why are Representatives not Speaking Out?"

GRAYSON REQUESTS HALT TO FORECLOSURES

Congressman Alan Grayson (FL-8) has requested that the Florida Supreme Court halt all foreclosures involving three firms under investigation for document fraud. In a letter to Chief Justice Charles Canady, dated September 20, 2010, Congressman Grayson highlights the issue of illegal foreclosures.

In the letter, Congressman Grayson wrote, “Taking someone’s home should not be done lightly. And it should certainly be done in accordance with the law.”

Three foreclosure mills – the Law Offices of Marshall C. Watson, Shapiro & Freeman, and the Law Offices of David J. Stern – constitute roughly 80% of all foreclosure proceedings in Florida. All three are under investigation by the Attorney General of Florida. “I respectfully request that you abate all foreclosures involving these firms until the Attorney General … has finished his investigation of those firms,” Congressman Grayson requested of Chief Justice Canady.

The Congressman’s letter highlights a foreclosure case in Jacksonville, which a judge dismissed with prejudice. In the ruling, the judge excoriated Chase, WAMU, and Shapiro and Fishman for document fraud on the court. In the case, Chase attempted to foreclose on a home, when it did not actually hold the mortgage note.

A recent New York Times story exposes the foreclosure mills in Florida, and the high-speed foreclosure process underway in some parts of the state. Several news reports discuss rampant and widespread practices of document fraud and forgery. Members of the Congressman’s staff spoke with multiple foreclosure specialists and attorneys in Florida who confirm the reports. “If the reports I am hearing are true, the illegal foreclosures taking place represent the largest seizure of private property ever attempted by banks and government entities. This is lawlessness,” said Congressman Grayson.

Fight Foreclosure: Make 'Em Produce The Note!