DIRTY DEEDS DONE DIRT CHEAP: The Successor Trustee & Non-Judicial Mortgage Fraud

“Pick up the phone, I’m here alone, Or make a social call

I’m always home. Call me any time.

Just ring 362-436-####

I lead a life of crime

Dirty Deeds Done Dirt Cheap!

Dirty Deeds and They’re Done Dirt Cheap!”

-Rock Band, AC/DC

This article has been inspired by the six foreclosure mill law firm appointees Successor Trustees which were granted by foreclosing parties in Missouri which is a non-judicial foreclosure state. These successor trustees received these appointments from fictitious foreclosing parties to fraudulently foreclose and evict 14,400 families, in Jackson County Missouri alone, each year for the last five years.

Jackson County is a medium-sized county in the United States.

This is the largest Ponzi scheme the world will ever know. The number of parties which are co-conspirators in some way is legion. Yes, it is a conspiracy, of that there is no doubt.


OK, I have just had it. I am right. You can’t work on one subject for 6 years, 7 days a week and not understand the material. I am likely no genius, but I have often been told that I am very smart. Very smart? I don’t know about that, but I am right about all of this.

There really have been over 20 million criminal foreclosures in the U.S. during the last 15 years. There are about 3 people per family, so that comes to 60 million American refugees forced from their homes with the stupidest, yet successful, Ponzi scheme of all time. Each and every wrongful and illegal non-judicial foreclosure has been allowed by our U.S. Congress, the DOJ, and the U.S. Court system.

I am not seeing this real scoop anywhere on the internet. We have a bunch of attorneys with websites spewing out information meant to convince you that they are very smart and they can sell ads in the blank spots on their website if you visit it. But, do you really care about the latest big ruling where the Borrower almost wins? Of course not, you want to know how to save your house. Or, if you are a true intellectual you want to know how to save your country.

Here is the real deal. In a judicial foreclosure state there is a normal home loan which include the logical two the parties, a borrower and a lender who have a home loan contract. One to loan some money to the other who wants to borrow some money to buy a house, preferably while are they are still less than 60 years old.

These are the Judicial foreclosure states:

Connecticut, Delaware, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, New Jersey, New Mexico*, New York, North Dakota, Ohio, Oklahoma, Pennsylvania, South Carolina, Vermont, and Wisconsin

The foreclosing party must file a lawsuit that is between the two parties, the Borrower and the Lender. Since this happens in the court it is the most fair of the two, but unless good men and women do the right thing evil will still win

But, over the years, the fellows known around town as “bankers” went around visiting with the folks we voted to represent us in our state legislatures called “attorneys”. The bankers convinced the attorneys (I know it sounds backwards, but it is true) that they needed the ability to more quickly foreclose on borrowers.

In 26 of the 50 states they agreed to create the system of Non-Judicial Foreclosures.

I am not making this up. I know that the hyphenated word Non-Judicial appears to many, myself included, to mean that the Borrower signed something that seemed to take away his constitutional right to the Due Process Clause. (We can work with it, but you really need to study this) It didn’t, but it made it much harder to win wrongful foreclosure cases fairly.

The Due Process Clause comes from the 5th and 14th amendment as the “RIGHT TO BE HEARD”. Now this has mixed up a lot of judges. Some because the don’t read or watch TV. Some because they aren’t smart enough to understand the constitution. Some because they are just bad people.

But don’t believe judges are all bad. Because there are many judges who are getting it correctly. There are fine men and women with very intelligent minds ruling with the borrowers.

Although, I have been unlucky enough to have not run into them much.

But, anyway. In a non-judicial state the party wanting to foreclose is claiming that he:

1. has the right to collect money from you,

2. can declare that you have defaulted if you don’t pay him the money you don’t owe and

3. has the right to foreclose on you out on the court sidewalk out of sight of any court and get a deed to your house. It is not a very strong deed, more like a lien on your title, but it can get you evicted although you still have the right to sue to get it back (unbelievable right?)

In the Non-Judicial foreclosure states the foreclosing parties have used the strategy of chaos and anarchy to pass laws that really just don’t make any sense.

The non-judicial foreclosure states are:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, District of Columbia, Georgia, Idaho, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Carolina, Oregon, Rhode Island, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wyoming

In a non-judicial foreclosure state there are 3 parties to a home loan. A borrower, A lender, and a Trustee who is holding the home loan for the borrower and the lender. This is like in a horse race.

The borrower can still win in these states, but it is much more difficult than in judicial foreclosure states where the foreclosing party must file a normal lawsuit and the borrower has a more fair way win before a judge, or the borrower can demand a jury trial. This is becoming a very popular strategy in all states.

Five Good Books on Foreclosure Fraud

According to Waters of Marketwatch.com, Mortgage and real estate-related frauds is the ninth most prevalent consumer scams this year, with the fake landlord and timeshare resale complaints getting the most attention from the authorities.

Ever since the Housing bubble in 2008, the incidences of mortgage-related frauds and scams have escalated to an alarming degree. Numerous homeowners have lost their homes and properties due to scam victimization, and more cases are still being reported even up to this very hour. Everyday scam artists develop new ways of tricking money out of innocent people, which accounts for why new numbers are being added to the scam victims’ statistics despite government awareness campaigns.

The fact is that it isn’t enough for consumers to entrust the issue of foreclosure scams and rip offs to federal and state agencies. Nowadays, the state and its citizen must employ a collaborative approach to fight against this type of fraudulent activities. The agencies are doing their part by busting professional and white-collared criminals. The citizens, on the other hand, should take the responsibility of educating and updating themselves about the latest scam profiles and techniques.

In light of this, several books and instructional materials about real-estate scams have been released in the market. Many authors, real-estate experts, and concerned opinion leaders have written useful tips about the scam industry to empower the regular citizens. This article is dedicated to five of the most helpful books on this subject.

Five Books of Foreclosure Fraud

People Get Screwed All the Time: Protecting Yourself From Scams, Fraud, Identity Theft, Fine Print, and More, 2007, Robert Massi

This 368-page book doesn’t just focus on real estate scams, it also covers other types of fraud that could potentially hit individuals anytime. Even though it was written by an attorney, this book aims to explain the US federal laws and its effect on citizens’ lives in plain English. Getting past through the intense scrutiny of the federal government, this book will provide you with invaluable knowledge about the loopholes in our government and what you should do to avoid being victimized by these loopholes. The book presents the subject matter in an engaging manner by using the actual experiences and stories that people can relate to. After reading this, it’s less possible that you would get caught up in undesirable after-scam situations.

 The Truth about Avoiding Scams, 2008, by Steve Weisman

“Scams can be high tech, low tech, or no tech – be prepared.”

Weisman tells about the truth on several fraud and scam activities waiting to victimize people. In this book, you can view an entire chapter for real-estate related fraud in “The Truth about Home Scams”. Immediately following this is a closely related article, investment frauds and scams, which mentioned the foreclosure and short sale scams which are prevalent in the market. The examples and scams he cited are relevant and timely, including the popular Online scams called phising and vishing. Although the discussion doesn’t go deep enough (much discussion dwells on the obvious), it’s still worthwhile to read the book because the tips and solutions he gave are still helpful.

The Art of the Steal: How to Protect Yourself and Your Business from Fraud–America’s #1 Crime, 2001, Frank W. Abagnale

This is probably the most intriguing and interesting book about frauds and scams that people can find Online. Although it wasn’t really about foreclosure and real-estate scams and totally outdates, I still deem it a necessity for people to read this book because of one simple fact: it was written by one of the most effective scam artists in the world (And probably because I was a fan of Leonardo di Caprio and his great personification of Abagnale’s character in Catch Me If You Can). By reading this book, people can get a glimpse of what scam artists would think of when they are looking for preys, and how they trap this victim with the web of lies they skillfully crafted. Take a closer look at the psychological profile of scam artists; after all, you probably wouldn’t mind reading this since it also provides entertainment value.

Protect Yourself from Real Estate and Mortgage Fraud: Preserving the American Dream of Homeownership, 2007, Roberts, Dollar and Kraynak

If you’re going to read this book, I suggest that you immediately jump on the pages dedicated for equity skimming and foreclosure rescues because I personally find those parts most interesting. Of all the books in this list, this one is probably the most helpful because it is solely dedicated and focused on information about current real-estate frauds and scams. It provides detailed step-by-step tips on how you can detect foreclosure scams and in post-scam cases run after and get back at your scam perpetrators. The story-based approach makes the reading process endurable, whilst also making the moral of the scam stories a lot easier to digest.

The 2012 Consumer Action Handbook

Of course, what is the best way to avoid consumer scams than to read this year’s consumer action handbook? People have to keep themselves updated because scam and fraud artists are always on the business of developing “better, spot-free” fraud techniques. “The best thing about consumer handbook is that they are regularly updated, so people are constantly informed about the complaints, current ploys, and traps set out in the market,” a friend of mine says.

The sad thing is that no monthly updates are available for this book, so consumers must also regularly tune in to news reports about consumer scams.

Bank Security Fraud Securitization In Illegal Mortgage Foreclosure Actions

Bank Security Fraud Securitization In Illegal Mortgage Foreclosure or bank securitization is a scheme by the banks to sell your promissory note and mortgage many, many times and making multiple amounts of money using your debt signature and good credit to swindle you out or your home or property by placing your mortgage and note in a pool of loans within a Trust.

After this mortgage and note securitization happens, your mortgage loan is electronically recorded and this strips the equality out of your note making it a worthless piece of paper. Inside the Trust, your note gets converted from a security under the Uniformed Commercial Code, UCC, Article 3, to a Stock Certificate under UCC Article 8, and selling just a small part of the same Stock Certificate to thousands and thousands of investors many times.

It is similar to you selling the same car title to many people for the same price, but you would be arrested for fraud if you did this as the banks are doing and getting away with robbery and theft of your home and commercial property.

After your promissory note was sold into the trust and was converted into a stock certificate, your note had to be destroyed under the Federal Security Law… No more Note… No more Mortgage, but hello Mortgage Foreclosure fraud!

The Trust is controlled by the Lender’s Pooling and Servicing Agreement, PSA, which spells out that the original Note and Mortgage are accepted by the Trust Custodian, what the Trustee’s job is, and the conversion of the note into a stock certificate. Almost all the time the Lender, Trustee, Investor, or Servicer DO NOT follow their own PSA or legal rules against The Securities Exchange Commission, SEC, rules and laws; therefore, the fraud against WE THE PEOPLE starts and is perpetuated by greedy lawyers representing the greedy banks in an illegal mortgage foreclosure.

This is why homeowners need to complete the Phase One, Notary Administrative procedure to satisfy the “Clean Hands Theory” to show that there is nothing to hide and to exhaust all other remedies before you begin Phase Three. This legal procedure falls under the UCC, Article 3 and all State laws.

The Bank Security Fraud Securitization Audit In any Mortgage Foreclosure is the Second Phase in this Three Phase process to get your Mortgage Lien Released so you can own your home FREE and CLEAR in under 6 months.

Can I Represent Myself Against Foreclosure Fraud? Yes, It Is Called Pro Se: "By Myself"


“George C. Marshall”

Nearly all Borrowers who have contacted me about an imminent, or already taken place, foreclosure believed that it was imperative that they find an attorney to represent them in a court foreclosure action. For three years I believed the same thing. Many judges will suggest it so strongly that a borrower believes that it is actually a law, which it is not. But, it does make sense that we believe it. We see it on TV, in the news, magazines, and, of course, most attorneys will tell that you need an attorney

But, the reality is that this so-called mortgage melt down is so big and is rife with illegal and criminal behaviour that defies what most people regard as normal, there are few, very few, attorneys that can win for a borrower.

Attorneys, for the most part, are not familiar with the subject of Mortgage Fraud. Certainly not as familiar as they will lead you to believe I have resented this fact for a very long time. As I said, most of my clients have been advised by a judge or an attorney that they absolutely must have an attorney. They are right, except for one thing. Shouldn’t that read “they absolutely must have a Good Attorney?”

You are not better off with an uninformed attorney representing you.

Can you afford an attorney at this time? What if you think you are unable to pay an attorney? Should that automatically mean that you have no choice but to leave your home?

Well, there is another way. You don’t have to hire an attorney to start the fight to save your home. In my opinion you cannot win with 99.9% of the attorneys in your state anyway. If that is not true, then why do we hear so much about mortgage fraud and so little about the victims of mortgage fraud winning their cases?

The reason you don’t know what to do, is because trials and courts are not your areas of expertise. But, you can be strong if you get the right kind of help. You can do a lot of what an attorney should do at the beginning of the threat of foreclosure. You can do it as Pro Se, which means “I am representing myself” if you have the right help and accurate information.

You can learn how to use your constitutional civil rights to force the courts to treat you in a fair way.

I now believe that finally you actually have the advantage. But, like anything new you must learn the rules to play the game.