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.

BUT REMEMBER, THAT THE FACT THAT YOU ARE PARANOID DOES NOT ELIMINATE THE POSSIBILITY THAT SOMEONE IS OUT TO GET YOU!

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.

Creative Foreclosure Avoidance Solution: Mortgage Assumption

You’re in a situation where you’re already three months late on your mortgage. Fortunately, no foreclosure lawsuits have taken place and you still have options. Your wife is starting to wonder why you’re always worried. She hasn’t received the memo. The dream house that you and your family purchased several years ago is turning out to be more than you can handle, especially with all of the unexpected bills popping up left and right. If you don’t do something soon, you’ll find yourself and your family in a very bad situation.

Looking at your situation, you can see that your property is in good shape less normal wear and tear. You can’t sell without having to come to closing with at least $35,000.00 which you don’t have right now. The reason for this is a house down the block in better condition sold last month for $150,000.00. You owe $185,000.00 and no one is willing to pay that much for your property. You don’t like the idea of doing a Short Sale as you’ve heard of the many horror stories that people go through during and after the process. Your credit does not get affected as much as it would after a foreclosure but it still takes a hit. In addition, there is still about a 35% chance that the bank may still come after you for the difference and that won’t be any fun. To top it all off the success rates of Short Sales are about fifty percent among the industry.

Listing with a Realtor and waiting for a buyer is pointless as you can’t come to closing with the difference and doing a Short Sale is definitely out of the question. Here is something that you might not have thought of: Mortgage Assumption. Some people call it different things such as Subject To the existing mortgage or Mortgage Management.

Mortgage Assumption involves transferring the deed of your property to another buyer in exchange for their bringing the mortgage current and maintaining payments. In the Real Estate market of 2013 – 2018, it’s very hard to get approved for a mortgage among American locals. This method of doing business opens the doors to thousands of buyers who, due to various circumstances, can’t qualify for a mortgage.

Your best bet in this situation is to work with a seasoned professional Real Estate buyer who can either assume the mortgage himself or find several interested parties to do so. There are not many professionals who know how to legally structure this correctly and finding an agent who knows how to do this is like finding a needle in a haystack. Find a well connected Real Estate investor who can assist you and allow you to move on with your life and preserve and maintain your good credit standing.

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.